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Adverse Credit Mortgages (CCJ)

Move forward with a mortgage - even after a CCJ

  • Peace of Mind

  • No Upfront Fees

  • Specialised Advice

  • Personal One to One Service

Having a CCJ doesn’t just make getting a mortgage more difficult. It can mean missing out on the home you really want or, if you’re trying to remortgage, being stuck on a higher rate and paying more each month than you should.

And the hardest part? Not knowing where you stand.

One lender tells you to wait a year. Another says two, three, or more. After a while, it feels like nobody can give you a straight answer — which makes it difficult to move forward with any confidence.

So instead of taking action, many people do nothing. They stay with their current lender, overpaying each month, simply because they don’t want to risk being declined again.

The reality is — your CCJ doesn’t tell the whole story

What really matters is:

  • When the CCJ was registered
  • Whether it’s been satisfied
  • The amount and overall context of your situation

When these details are assessed properly, there are lenders who will consider you — even if you’ve been turned down elsewhere.

Realistically, if you have a CCJ, you’ll usually need a 90% loan-to-value mortgage or lower, which means you’ll normally need at least a 10% deposit. And don’t worry if you’re not sure what that actually means in pounds and pence, we work it out with you based on the property price you’re looking at, or based on your current home’s value if you’re remortgaging. That way you’ll know exactly where you stand before you take any risks or waste time applying to the wrong lender.

brown brick house under blue sky during daytime

That’s where we come in

At Zeo Mortgages, we specialise in helping people like you with CCJ’s find the right mortgage lender for your exact situation, based on the real details of your CCJ and your overall affordability. The rate might not be perfect straight away, but it can improve. This doesn’t have to be the end goal – it can be a stepping stone to get you moving again, lower your payments, and create a realistic path back to mainstream deals over time.

We’ll have a proper conversation, and guide you on what you need to disclose and how to do it in the best way, and help you avoid the common mistakes that cause declines and wasted applications. From your first call to completion, you’ll get personal, one-to-one service. We’ll handle the paperwork, the lender communication, and the overall application packaging, so it feels clear and manageable — not stressful and overwhelming.

There are no upfront fees. If we don’t succeed in getting you a mortgage offer, you pay nothing, we only charge once you’ve received your mortgage offer – so we’re fully invested in getting the right mortgage for you approved quickly.  

Fill in our quick enquiry form and your specialist adviser will call you for a chat to find out how much you could borrow – and which lender is most likely to say yes.

Why choose us?

Because we specialise in mortgages for people with CCJs, we can offer you all sorts of benefits you won’t find elsewhere

Adverse Credit Mortgages (CCJ)
  • Two Female Friends Or Same Sex Couple Celebrating With Pizza And Wine On Moving Day In New Home

    No wasted applications

    Because we know the market, we know who to approach and what they want to see.
    This means that you get matched with the lenders most likely to say yes, based on the details of your CCJ and your situation, so you don’t have to gamble or guess

  • Couple relaxing while moving in new home together

    Risk Free 

    A lot of mortgage brokers will charge you a fee just for submitting your mortgage application, regardless of whether the application is successful or not.

    Here at Zeo Mortgages, all initial work and advice is free.
    If we don’t succeed in getting you a mortgage offer, you pay nothing.

  • Beautiful shot of old houses along a narrow street on a foggy day in Burford, Cotswolds, Oxfordshire

    Save You Time and Stress

    We know you don’t want to tell your story over and over again to a call centre.

    We handle the admin, the paperwork, and the lender communication for you, so you can focus on your life while we move the mortgage forward

  • Have a Confident Future

    With CCJs, the goal isn’t just “get any mortgage”… it’s to get the right mortgage now, and then move toward better rates over time. 

    Zeo Mortgages gives you a realistic, step-by-step plan so you can lower your payments, reduce stress, and feel confident about the future

How it works…

  • Get in Touch

    Complete our quick enquiry form and book a time for your first appointment call.

    Your adviser will call you and find out about your unique situation and what you want to achieve.


  • We find the right mortgage for you

    After your initial call we do the research from 1000’s deals to find the best mortgage for you.
    Your adviser will then talk you through the mortgage and everything that it entails.


  • We deal with the application

    Relax while we submit the application and documentation to the lender, keeping you updated every step of the way.

  • …your mortgage is offered!

    With our help you will have the best opportunity to get the right mortgage for you and your future.