CCJ Mortgages: Getting a Mortgage with a County Court Judgement
Having a CCJ on your credit file doesn't mean you can't get a mortgage. Many specialist lenders consider applications from borrowers with CCJs, and with expert guidance, you can find options that work for your situation.
Content reviewed: 13 January 2026
CCJ Mortgages at a Glance
- •Yes, you can get a mortgage with a CCJ - many specialist lenders consider applications
- •Satisfied CCJs are viewed more favourably than unsatisfied ones
- •CCJs under £500 may be disregarded by some lenders
- •You'll typically need a 15-25% deposit with CCJ history
- •After 6 years, CCJs are removed from your credit file automatically
What is a CCJ?
A County Court Judgement (CCJ) is a court order registered against you if you fail to repay money you owe. It can be issued for unpaid credit cards, loans, utilities, phone contracts, or any other debt. Once registered, a CCJ stays on your credit file for 6 years and can significantly impact your ability to borrow.
Satisfied CCJ
A CCJ that has been paid in full. Shows as "satisfied" on your credit file and is viewed more favourably by lenders.
Unsatisfied CCJ
A CCJ that remains unpaid. More challenging for mortgage applications as it suggests ongoing financial difficulty.
How CCJs Affect Your Mortgage Application
The older the CCJ, the less impact it has. CCJs over 3 years old are viewed more favourably, and after 6 years they're removed entirely. Recent CCJs (under 12 months) significantly limit your options.
Small CCJs (under £500) may be disregarded by some lenders. Larger CCJs (over £1,000) will require specialist lending. Very large CCJs (over £5,000) may require even more specialist lenders and larger deposits.
Multiple CCJs are more challenging than a single one. Lenders look at the pattern - several CCJs suggest ongoing financial difficulty, while a single CCJ may be viewed as an isolated incident.
Deposit Requirements with a CCJ
| CCJ Situation | Typical Deposit | Lender Availability |
|---|---|---|
| Satisfied, 3+ years old, under £500 | 10-15% | Many specialist lenders |
| Satisfied, 1-3 years old | 15-20% | Specialist lenders |
| Unsatisfied or under 1 year old | 20-25% | Limited specialist lenders |
| Multiple CCJs or large value | 25-30% | Very specialist lenders |
Frequently Asked Questions
Yes, many specialist lenders consider CCJ mortgage applications. Your options depend on factors like CCJ amount, age, satisfaction status, and your overall credit profile.
A CCJ stays on your credit file for 6 years from the date of judgement. After 6 years, it's removed automatically. Most lenders become more flexible after 2-3 years if the CCJ is satisfied.
While not always required, satisfying (paying off) your CCJ significantly improves your options. Many lenders prefer satisfied CCJs, and some require satisfaction before application.
Typically 15-25% deposit is needed with a CCJ, though this varies. Older, satisfied CCJs may only need 10-15%, while recent or large CCJs may require 25% or more.
You can apply to have a CCJ set aside if it was wrongly issued, or have it marked as satisfied once paid. However, satisfied CCJs remain visible for 6 years from the original date.
Yes, multiple CCJs are more challenging than a single one. Lenders look at total CCJ value, how many you have, and whether they're satisfied. You'll likely need a larger deposit and specialist lending.
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Content reviewed: 13 January 2026