Calling a company specialising in mortgage advice can be crucial to finding ways to improve your credit score. Specialist brokers have the expertise needed to locate in their databases lenders willing to offer you a mortgage on suitable conditions. However, it should be mentioned that both in Liverpool and elsewhere in the UK, a CCJ is a checkmark that is hard to ignore, and you will most likely have to pay a more significant interest rate or place a larger deposit, generally over 10% of the market value of the home if you want to obtain a future loan.