Can you get a bridging loan with a CCJ?
Yes — a county court judgment, satisfied or not, won’t automatically stop a bridging loan with Berkeley Credit. We lend against the asset and the exit, so CCJs are considered case-by-case. Loans from £50,000 to £25,000,000 across England and Wales, for business and investment purposes, with a same-day decision.
A CCJ is one of the most common reasons a bank declines, even on a strong deal. Because we don’t run automated credit scoring, the existence of a judgment matters far less than the quality of the security and the credibility of your exit. We’ll want to understand the CCJ — its size, whether it’s satisfied, and the story behind it — but it’s context, not an automatic no.
Satisfied judgments are generally more straightforward; unsatisfied ones are still considered, and may simply factor into the rate or LTV. Disclose any CCJ up front so we can price and structure the deal correctly. Acceptance is subject to underwriting.
Can I get bridging with an unsatisfied CCJ?
Often yes. Unsatisfied CCJs are considered case-by-case — they may affect terms, but the asset and exit drive the decision, not the judgment alone.
Do I need to clear the CCJ first?
Not necessarily. We can assess the deal with the CCJ in place. Clearing it may improve terms, but it isn’t a precondition to being considered.
Berkeley Credit Limited is registered in England & Wales (Company No. 16111009) and with the FCA under the Money Laundering Regulations (No. 1029007); not fully FCA authorised; no regulated advice. All lending is for business and investment purposes only, on property the borrower does not occupy, and subject to valuation, legals and underwriting.