The number of CCJs listed on your credit report can greatly affect your ability to secure a mortgage. If you have one or two CCJs in Manchester and can provide a substantial deposit of 25% or more, your chances of getting approved by a mortgage lender are higher.
However, if you have multiple CCJs, particularly if they are recent, you will need an even larger deposit to increase your chances of mortgage success. A mortgage lender will likely reject your application outright in such instances.
Additionally, some mortgage lenders have a restriction in place, only offering mortgages to individuals with a certain maximum number of CCJs. Therefore, even if you have an adequate deposit, exceeding their limit will severely impact your chances of success with them.