If you have a CCJ, a default or a run of missed payments on your credit file, a high street lender will usually say no — often automatically, without anyone looking at why. That is not the end of it. Specialist lenders exist precisely for this, and the brokers below deal with adverse credit every week.
This page lists the bad credit mortgage brokers who have been quoted in the national press — the Mirror, the Express and The Times — most recently quoted first.
Each one is a verified Newspage expert: a real, practising professional confirmed by a human, not a paid listing. Nobody on this page paid to be here, and nobody can. The order is set by when the press last quoted them.
What they say, summarised: a small unpaid bill can become a County Court Judgment that costs thousands in extra mortgage interest; one lender’s “no” does not mean every lender will say “no”; and a specialist lender will look at why the credit stain is there, how old it is, whether it has been satisfied and how someone has managed money since.
Newspage’s experts urge people to pay disputed bills first and argue afterwards, keep their addresses up to date with the DVLA and on their V5C, and to talk to a broker before they apply anywhere.
Mortgage adviser
Emma Jones
Director at When The Bank Says No
“One lender saying no doesn’t mean every lender will. There are specialist lenders who are prepared to look at the whole picture, including why the CCJ happened, how long ago it was, whether it’s been satisfied and how the applicant has managed their finances since.”
Quoted in The Times, 6 August 2026 · Mirror, 27 July 2026 · Express, 27 July 2026 · See Emma’s Newspage →
Mortgage broker
Jamie Elvin
Director at Strive Mortgages
“Once an unpaid parking fine or bill turns into a default or CCJ, lenders are no longer interested in the principle of the dispute — they just see adverse credit. That can mean fewer lenders, higher rates or a declined application altogether.”
Quoted in The Times, 6 August 2026 · Mirror, 27 July 2026 · Express, 27 July 2026 · See Jamie’s Newspage →
Mortgage broker
Aaron Strutt
Product and Communications Director at Trinity Financial
“Missed payments often transfer automatically to the credit reference agencies, and red marks are put on credit files pretty quickly. It is often easier to pay the debt and then try to get it back through the normal complaints procedures.”
Quoted in The Times, 6 August 2026 · Mirror, 27 July 2026 · See Aaron’s Newspage →
Mortgage broker
Darryl Dhoffer
Founder at The Mortgage Geezer
“What should have been a straightforward high-street mortgage application turned into a specialist lending nightmare. Because of that unpaid CCJ, major banks slammed their doors. He was forced into the specialist market, facing significantly higher interest rates and thousands in extra costs.”
Quoted in Mirror, 27 July 2026 · Express, 27 July 2026 · See Darryl’s Newspage →
Mortgage broker
Ben Perks
Managing Director at Orchard Financial Advisers
“There are lenders that are more lenient and will ignore a parking CCJ, so it might not scupper your chances of buying, but it’ll certainly mean you’re paying more a month. My advice is get these things dealt with asap. Don’t bury your head in the sand.”
Quoted in Mirror, 27 July 2026 · Express, 27 July 2026 · See Ben’s Newspage →
Mortgage adviser
Martin Rayner
Financial Adviser at Compton Financial Services
“A £60 fine can end up costing thousands in extra interest payments on a mortgage. The simplest advice is to update both your driving licence and vehicle logbook (V5C) whenever you move house.”
Quoted in Mirror, 27 July 2026 · Express, 27 July 2026 · See Martin’s Newspage →
Mortgage adviser
Nouran Moustafa
Director at Roxton Wealth
“Fight a bill if it is genuinely wrong, absolutely. But keep it documented, respond to every letter, use the formal complaints route and never ignore court paperwork. Principle is expensive when it damages your borrowing power.”
Quoted in Mirror, 27 July 2026 · See Nouran’s Newspage →
How this list is compiled
Every broker on this page is Newspage-verified — a real, practising professional confirmed by a human — and has been quoted in the national press on adverse-credit mortgages. The list is ordered by the date of their most recent quote on the subject and is updated as new coverage is published. Position cannot be bought, requested or edited. Verification is free and is never sold. Newspage is a news agency; the brokers listed are independent of us and we do not receive fees for introductions.
Common questions
Can I get a mortgage with a CCJ?
Often, yes. Most high street lenders will decline automatically, but specialist lenders consider the whole picture — why the CCJ happened, how old it is, whether it has been satisfied and how you have managed your finances since. A broker who works with adverse credit will know which lenders will look at your case.
Does a parking fine really affect a mortgage?
Not the fine itself — the CCJ it can become if it is ignored. Brokers on this page say parking-related CCJs are a surprisingly common reason for rejection, and a £60 ticket can end up costing thousands in extra interest.
Should I pay a bill I think is wrong?
The brokers’ advice is consistent: pay it, then dispute it through the proper channels. Lenders are not interested in who was right, only in whether a debt was left unresolved.
How long does a CCJ affect a mortgage application?
A CCJ stays on your credit file for six years, but its effect fades: how long ago it was registered and whether it has been satisfied both matter to specialist lenders. Talk to a broker before applying rather than after a rejection.
What does a bad credit mortgage broker actually do?
They know which lenders will consider adverse credit, what each one will and won’t accept, and how to present your case. That usually means access to lenders you would not find on the high street, and a rate that reflects your circumstances rather than an automatic no.
Related reading
- The Times: Parking fine cost me a mortgage (6 August 2026)
- The Mirror: Unpaid parking fines can mean specialist lending nightmare (27 July 2026)
- The Express: Brits’ relatively minor mistake can mean expensive mortgage (27 July 2026)
- Newspage: Unpaid parking fine CCJs can turn a high street mortgage application into “a specialist lending nightmare” (27 July 2026)
- Newspage: The most common reasons high street banks reject your mortgage application (14 July 2026)
