CCJ Mortgage London

Get a Mortgage even with CCJs & Poor Credit. Overcome credit hurdles and step into homeownership with Your Mortgage Experts. Our expert team specialises in guiding you toward a successful mortgage application, no matter your credit history.

  • We get your application considered by a human
  • Our know-how secures your approval seamlessly
  • Get a fast approval
information yellow your mortgage

A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

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What can you expect

Get access to 1000s of mortgage rates from across the market in 3 simple steps

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Free Initial Assessment

Answer a few questions about you
and your preferences. This initial
call usually takes about 30 min.

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Tailored Mortgage Deal

We’ll present you with some of the
best mortgage deals and guide you
throughout the process.

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Approved by Lender

Congratulations! You’re on
track to a better mortgage
despite past credit hiccups.

Mortgages with CCJs

When it comes to getting a mortgage with County Court Judgements (CCJs) and a low credit score, things are not necessarily straightforward.

Banks can be biased and may not even consider you, no matter your other circumstances and how many years you have been a loyal customer to them. There is often a “computer says no” regime at the banks.

You might have already been turned down by a bank, and this might have left you with a bad experience and hard-foot print on your credit file that could make your situation even worst.

A CCJ and a poor credit score, more often than not, will mean that the banks will reject you, and close their doors to you.

Why choose Your Mortgage Experts?

At Your Mortgage Experts we are specialist in arranging mortgages for individuals with bad credit and a low credit score.

  • We strive to see you as an individual, above the pure numbers, and adopt a common-sense approach, rather than been led by a computer decision.
  • We work with specialist lenders, many of whom you probably have not heard of as they only deal with specialist brokers, that better understand your space and have specific lending policies and products tailored to individuals like yourself.
  • We will help you find the best available options, including exclusive deals, from a range of more than 90 lenders.
  • We’d love for you to take advantage of our expertise and help you secure a great deal to give you peace of mind with your mortgage.

Why us

Ready to get a mortgage? We’ve got you covered! From understanding how it works to comparing the available rates on the market, we’ll guide you through the entire process.

Expert at your service

Make well-informed decision.
With 20 years experience in financial services and in the property market,
you will get the reassurance you need.

Tailored advice

Save you money and time.
We will de-mystify the complexity of
mortgages, and we will navigate and
guide you through options and criteria.

Hassle-free experience

24/7 mortgage status updates.
The entire process will be done
through HomeBuyer app to keep you

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You Can Count On An Expert

We have years of experience with finding the right mortgage solution for people like you, and get the best available deals to suit your circumstances. We will de-mystify the complexity of mortgages with CCJ, and navigate through the criteria and requirements, with an independent and comprehensive range of mortgages from across the market.

Some of our happy clients

Hear what our happy clients say about us.

Alexandra Adela Pelivan
Alexandra Adela Pelivan
19 May 2023
We worked with Luca for our first ever house buy. He is very knowledgeable and really works hard to provide you with the best solution for your needs. He answers calls and emails promptly and is there for you if you have any additional questions! He even contacted us when a better offer was available on the market and quickly applied for it so that we can get a better deal. Thanks Luca!
abiharan sivanadarajah
abiharan sivanadarajah
21 April 2023
I encountered Luca's services via Google and haven't regretted my choice. He has methodically, expertly and calmly navigated through a rather difficult set of circumstances to get me a mortgage offer for my property purchase. In this time he has navigated various hurdles including the potential expiration of the offer by working tirelessly with the lender to ensure I'm happy. I would highly recommend Luca's services if you're looking to secure a mortgage with the best possible rate. He is honest and open and works in your best interest.
Nathan Paterson
Nathan Paterson
8 April 2023
Luca was simply fantastic from start to finish as a mortgage advisor. He was readily available to answer my queries, a true expert in his profession, and a trusted source of invaluable advice in my home-buying journey. I highly recommend his services.
Virga Virga
Virga Virga
6 April 2023
I had the pleasure of working with Luca Bertolino recently and cannot recommend his services highly enough. As I was having remortgage i was nervous about the mortgage process and had many questions. Luca was patient, knowledgeable, and incredibly helpful throughout the entire process. From our initial consultation to the final closing, Luca was always available to answer our questions and provide guidance. He took the time to explain the different types of mortgages and helped us find the one that was the best fit for our financial situation. Additionally, Luca went above and beyond to ensure that the process was as smooth and stress-free as possible. He kept us updated on the progress of our application and worked closely with the lender to make sure everything was on track. Overall, I had an excellent experience working with Luca and would highly recommend him to anyone in need of a mortgage advisor. His professionalism, expertise, and dedication to their clients make him stand out in a crowded industry. Virginia
Lorenzo Bencivenni
Lorenzo Bencivenni
24 March 2023
Thank you so much to Luca of Your Mortgage Experts. Buying a property is really stressful, but Luca made it really easy for me and my partner. Really knowledgeable and always professional and available. I recommend him to everyone that is going to the same process. Thanks again
Rachael Cole
Rachael Cole
20 March 2023
Luca has been brilliant throughout the entire mortgage application process; offering explanations and advice in a clear, concise and friendly manner. He acted quickly and efficiently when needed and within my best interests. Would highly recommend, especially to first time buyers.
Joshua Le Cornu
Joshua Le Cornu
21 February 2023
Luca was excellent and provided great service from the start. Made the mortgage application process smooth and offered well thought out advice on numerous different aspects!
Aleksandra M.
Aleksandra M.
26 October 2022
Luca is amazing broker! No matter where you look you won’t find a better broker then him. He is so passionate and determined to do his job properly and in the timely manner.He ensured us that we understood the process and he explained very well every step of the way.He dedicated his time to us and we are very thankful to him.He is so polite, kind and pleasant.He is the person who you can trust.It was our first mortgage and it went very smoothly.He knew it exactly who would be the best lender for us and with who to apply.And the best of all his prices are very affordable compared to others. We would recommend Luca to anyone. One of the best customer experience ever! Words cannot explain our satisfaction and happiness.

Speak to an expert today.

Select the best option for you to discuss your needs.