Summary
Get a Mortgage with CCJ’s - Free Friendly Advice!
A past County Court Judgment doesn’t shut the door on a mortgage. Lenders look at how recent the CCJ is, whether it’s settled, the amount, and your overall conduct since. We explain the rules in plain English, compare realistic options, and build a clear plan. CeMAP-qualified, FCA-regulated advisers. Rated 5★ with 2,500+ Trustpilot reviews and 5/5 on Google.
What you’ll get (quick overview)
Fast, soft eligibility check first (no impact on your credit score).
CCJ treatment explained: settled vs unsatisfied, age and amounts matter (varies by lender).
Deposit and LTV guidance (loan-to-value = mortgage as a % of the price).
Affordability made simple: income, outgoings and recent payment behaviour.
Clear document list: ID, address history, payslips or SA302s, bank statements, and settlement proof if paid.
Timeline and next steps from application to offer.
When to speak to an adviser
- Your CCJ is recent, unsatisfied, or there are multiple credit blips.
- You were declined elsewhere or offered less than expected.
- You need higher LTV or have variable/self-employed income.
- You’re buying new build, shared ownership, or working to a tight deadline.
- You want a plan to improve your profile before applying.
Trust & transparency
CeMAP-qualified advisers. FCA-regulated. UK-wide support. Rated 5★ with 2,500+ Trustpilot reviews and 5/5 on Google.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Access Mortgage Lenders who Accept CCJ’s
CCJ’s are among the normal things that we see with our successful mortgage customers. Along with unsecured debt, defaults and various other credit file blemishes – our lenders are moving towards taking a more common sense approach. Over 15 million people have “adverse credit”. so please do not worry, we will try and get you exactly what you need with lenders that accept CCJ’s.
- CCJ’s do not need to have been satisfied
- We can accept CCJ’s over 3 months old
- They do not need to be 5 years ago!
- No max size, no max number.
Can I get a mortgage with CCJ’s on my credit file? YES!
Most of the lenders in the mortgage are becoming more accepting of certain scenarios. CCJ’s are very normal, and we can work with you in finding the best mortgage for your circumstances. CCJ’s are acceptable, and you don’t have to have satisfied them all. Even if it is within the last 6 months, The Mortgage Broker can get you a mortgage with one of lenders that accept CCJ’s.
Accepted If your CCJ is over 3 monhts old get in touch. Unlimited No maximum number of CCJ's or size matters. We can look at it.Most Requested CCJ Mortgage FAQ’s
Yes, it is possible to get a mortgage even if you have a County Court Judgement (CCJ) on your credit file. Lenders look at factors like the age and size of the CCJ, as well as whether it has been satisfied, to assess your application.
No, a CCJ does not need to be completely satisfied to apply for a mortgage. There are lenders who consider applications even if the CCJ hasn’t been paid off.
The older the CCJ, the more mortgage options you might have. Lenders generally prefer CCJs that are at least one to three years old.
A CCJ is a legal order made against you if you fail to repay a debt. It is recorded on your credit file and can impact your ability to get credit, including mortgages. It remains on your credit file for six years.
Yes, having a CCJ may require you to provide a larger deposit due to the increased perceived risk by lenders.
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The Mortgage Broker work with specialist lenders that accept mortgage applications with CCJ's
Getting a bad credit mortgage is possible through our panel of specialist lenders. Speak with one of our friendly team to understand the solutions that may be available to you. Please do not worry – CCJ’s and other defaults are very common and we completely understand how frustrating these can be.
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Getting a mortgage with CCJ’s?
Yes, a mortgage broker can guide you through the process, help find suitable lenders, and improve your likelihood of mortgage approval.
Yes, the lender may consider the reason for the CCJ, such as whether it was a result of unpaid utility bills or larger financial issues.
Recent CCJs may limit your lending options, but there are lenders who may still consider your application, especially with a larger deposit.
A CCJ can be removed from your credit file if it was settled within 30 days or if a mistake was made. Otherwise, it will typically remain for six years.
Improving your credit record, settling debts where possible, and working with a specialist broker can improve your chances.
Yes, if you have a CCJ against your business and you’re a sole trader, it may affect personal mortgage applications. Corporate CCJs might impact applications depending on involvement in the business.
Yes, it is possible, though terms might require a larger deposit or higher interest rates. Consult a broker for guidance.
Lenders perform credit checks and require detailed documentation to assess your financial status and risk.
You’ll typically need proof of income, identity, address, and any documents relating to the CCJ.
Some lenders may use more nuanced assessments rather than just credit scores, looking at the overall financial situation, which means they might be more willing to lend despite a CCJ.