CCJ Mortgages UK
A CCJ is part of your story. It is rarely the whole story.
- A CCJ does not automatically prevent a mortgage — every case is different
- We review the whole file — age, satisfaction, amount, deposit, and what else is on your report
- Free adviser review before any application — no hard credit search at this stage
Worried one CCJ means no lender will ever consider you? That is rarely true — but applying to the wrong lender first can make things worse. Let us read your file before you apply again.
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
Quick answer
The right answer depends far more on your circumstances than your credit score alone.
Real-world scenarios (UK)
Illustrative only — every application is underwritten to lender criteria; outcomes vary by deposit, stress rate, and documentation.
Likely: More lenders may be in play; deposit may be in the 10–15% range+
Smaller, older, satisfied CCJs are often the easiest case — still expect a credit check and full affordability proof.
Likely: Narrower market; expect higher deposit and specialist pricing
Recency and status matter. Satisfying a CCJ (where possible) can materially widen the lender set.
Likely: Often more options than a purchase at high LTV
Equity changes risk — but conduct on the current mortgage and overall affordability still need to line up.
Want a route matched to your credit, income, and timeframes — not a generic blog checklist?
Book a CCJ mortgage reviewTwo clients with identical CCJs can receive completely different mortgage outcomes — because the CCJ is only one part of the overall picture.
What clients usually worry about
- Most people contacting us worry they've already ruined their chances — that one CCJ means no lender will ever consider them.
- Many assume a high street decline is the final answer, when specialist lenders assess the full picture manually.
- People often fixate on the CCJ amount alone, without realising two clients with identical CCJs can have completely different outcomes.
- Satisfied vs unsatisfied feels like a simple yes/no — in practice, lenders weigh it alongside everything else on the file.
- Some have been told to wait six years before applying — that is rarely the only route, especially with a satisfied CCJ and a reasonable deposit.
What we look at first
Not a generic checklist from a comparison site — the order we use when a real client sits in front of us.
Date registered, amount, satisfied or unsatisfied status, and whether there is more than one CCJ on the file.
Defaults, missed payments, IVAs, DMPs, and recent searches — lenders rarely look at a CCJ in isolation.
Loan-to-value often matters as much as the CCJ. Equity on a remortgage can change the picture entirely.
Stable, provable income and sensible borrowing levels still need to stack up — adverse credit does not remove affordability rules.
Twelve to twenty-four months of clean payments on cards, loans, and utilities can materially strengthen an application.
Whether you need to move now, can satisfy the CCJ first, or should wait a few months for a wider lender set.
Common misunderstandings
What people often believe
A satisfied CCJ always means you'll be accepted.
What we see in practice
Satisfaction helps — it shows responsibility — but lenders still assess age, amount, deposit, and the wider file. Satisfaction widens options; it does not guarantee approval.
What people often believe
An unsatisfied CCJ always means decline.
What we see in practice
Unsatisfied CCJs narrow the market and usually need a larger deposit. Approval is still possible when the wider profile is strong and the CCJ is being actively addressed — but it is never guaranteed.
What people often believe
Deposit is always the biggest issue.
What we see in practice
Sometimes recency or multiple adverse items matter more. A strong deposit with a very recent unsatisfied CCJ can still be difficult; an older satisfied CCJ with 15% deposit can be workable.
What people often believe
A CCJ automatically means you need a specialist lender.
What we see in practice
With a small, old, satisfied CCJ and clean conduct since, some near-mainstream lenders may consider you — especially at lower loan-to-value.
What people often believe
You must wait until the CCJ drops off after six years.
What we see in practice
Many borrowers apply successfully years before removal, particularly once a CCJ is satisfied and aged two to three years.
Experience from the desk
“One pattern we have seen repeatedly over the years: clients obtain mortgages while a satisfied CCJ is still visible on their credit report — especially when the amount was modest, the CCJ is aged, and conduct since has been clean. Outcomes vary; every case is underwritten individually.”
Your Home Finance — FCA-regulated mortgage advisers
What happens next
Not “contact us” — here is what we would normally work through together.
- 1
We listen to your full story
Not just the CCJ — income, deposit, property, and what happened when the debt arose. Context matters to underwriters.
- 2
We map realistic lender categories
Based on your file, we identify who is worth approaching — and who would waste a hard credit search.
- 3
We check affordability carefully
Often starting with a soft search or indicative conversations so we do not damage your credit unnecessarily.
- 4
We prepare a clear narrative
Specialist underwriting is manual. A short, honest explanation of what happened and what has changed since can make a real difference.
- 5
We support you through to completion
From agreement in principle to valuation, satisfaction requirements, and exchange — including if a lender asks for the CCJ to be satisfied before completion.
Credit situations are rarely identical
Many people have more than one credit issue, and the overall picture is usually more important than any single entry on a credit report.
If you're unsure which explanation best matches your circumstances, start with the Adverse Credit Hub or speak to one of our advisers.
We don't start with your credit problems. We start with your whole situation.
Bad credit tells part of the story. Good advice looks at all of it.
Common mistakes we see
Practical mistakes we see most often in cases like this — the ones that cost people their best lender options.
Applying before satisfying when payment would open lenders
If you can satisfy the CCJ, doing so before application often widens the market. We work out whether to proceed now or satisfy first — case by case.
Applying direct to high street banks
Most high street lenders auto-decline adverse credit. You get a no and a hard search — options narrow before a specialist ever sees your case.
Using too many eligibility checkers
Results are often misleading for complex files. A real adviser read of your credit report beats another generic score.
Applying too early — or waiting too long
Sometimes a few months opens better lenders. Sometimes you are already in a realistic window. You need someone to tell you which — honestly.
What I'd be thinking if you had a CCJ
When someone contacts me about a CCJ, I don't start with the headline amount. I want to know when it was registered, whether it is satisfied, what else is on the file, and whether income and deposit support the case today.
I weigh age, satisfaction, number of CCJs, amount against the loan, deposit, affordability, and what has changed since — in that order, not as a score on a screen.
Two clients with identical CCJs can receive completely different outcomes because the CCJ is only one part of the picture. If I were in your shoes, I would want someone to say plainly: apply now, satisfy first, or wait three months. That is what this review gives you.
That is the conversation you get with Your Home Finance — not another application that was never going to succeed.
What we would assess before applying
The order we use when a real file sits in front of us — not a comparison-site checklist.
CCJ registration date
Under twelve months is a different conversation from three years ago.
Satisfied or unsatisfied
Satisfaction often widens the lender set — but the entry remains visible.
Amount vs loan size
A £400 CCJ on a £200k loan is weighed differently from £5,000.
Other credit entries
Defaults, missed payments, or IVAs alongside the CCJ change the tier.
Deposit or equity
Stronger deposit often compensates for a smaller, older CCJ.
Income proof
Payslips, accounts, or contracts — whatever shows stable affordability today.
Recent applications
Hard searches and declines — we avoid repeating the same mistake.
Unsure if your CCJ still rules you out?
Get an adviser assessmentThe YHF Assessment
The same framework on every adverse case — different questions for this chapter. This is what we look at before choosing any lender.
Answer a few quick questions — we will give you an honest view before you enquire.
Typical case
Anonymised illustration — realistic, no hype. Outcomes vary; every file is underwritten on its own merits.
- ·£245,000 purchase
- ·1 CCJ — £750, satisfied 18 months ago
- ·10% deposit
- ·Stable employment
Approved — manual underwriter. High street auto-decline was the only blocker.
Real cases like yours
Anonymised outcomes from our adverse files — situation, what we changed, and how it ended.
Situation
First-time buyer with a £4,200 satisfied CCJ from 3 years ago. High street bank declined after automated score.
What we noticed
The CCJ was satisfied within 6 months and income was stable PAYE — the decline was lender selection, not affordability.
What we changed
We matched to a specialist lender, wrote a clear letter of explanation, and structured the application around satisfied status and 12% deposit.
Outcome
Mortgage approved at competitive specialist rate. Client remortgaged to mainstream pricing 18 months later.
Situation
Unsatisfied CCJ £8,500, 30% deposit, employed — two declines from comparison sites.
What we noticed
Comparison routes triggered multiple searches without matching lender policy. Unsatisfied CCJ narrowed the panel but did not close it.
What we changed
Stopped search cycle, single soft review, targeted lender accepting unsatisfied CCJ with 25%+ deposit and payment plan evidence.
Outcome
Approved with higher rate tier as expected. Client satisfied CCJ 8 months post-completion.
Situation
Self-employed director declined by bank with old satisfied CCJ and complex accounts.
What we noticed
Bank used automated self-employed rules; accounts showed strong net profit but irregular dividends.
What we changed
We reframed income using lender-specific calculation, switched lender before another hard search, and led with satisfied CCJ narrative.
Outcome
Approved with specialist lender using 2-year accounts average. Client retained existing business structure.
Names and identifying details removed. Individual results vary — illustrations only, not guarantees.
How we work
We spend time understanding your case before choosing lenders. That's why people enquire — not because we've been around 29 years, but because we read the file properly first.
- 1Understand your situation
- 2Review your credit profile
- 3Match lenders before applying
- 4Prepare your application
- 5Submit once we're confident
How judgement made the difference
Anonymised illustrations from real cases — no lender names, no promises. Just how an adviser reads a file.
Client situation
Client came to us after two high street declines with a satisfied £600 CCJ from three years ago.
What I noticed
Income was stable and deposit 15%. The CCJ was small, satisfied, and not the affordability blocker.
What we changed
We stopped applying to auto-decline lenders and approached a specialist who manually underwrites satisfied CCJs under £1,000.
Why that mattered
The issue was lender selection, not the judgement. One search, realistic tier, honest packaging.
Client situation
Unsatisfied CCJ registered eight months ago; client wanted to buy immediately.
What I noticed
Options were genuinely limited at high LTV. Satisfying the CCJ was achievable within weeks.
What we changed
We advised satisfying first, waiting four months for conduct, then one application to a matching adverse lender.
Why that mattered
Patience avoided a string of declines. They applied once, to the right tier, with a stronger file.
Outcomes vary; every file is underwritten on its own merits.
Where do I go next?
Pick the situation closest to yours — read the full explanation, then come back or speak to us.
A CCJ doesn't automatically mean you can't get a mortgage. Eligibility depends on the date, value and your overall profile.
How we helpReady for an honest read of your CCJ?
We will review your situation before recommending your next step — whether that is applying now, satisfying the CCJ first, or waiting.
Does satisfying my CCJ guarantee approval? No — but it often widens options. We tell you what is realistic for your file before any application.
Let's review your CCJ situation
Free adviser assessment • No credit search • FCA regulated
We review your whole situation — CCJs, defaults, declines, all of it — before recommending a lender. No credit search at this stage.
CCJ is only part of your file
If you also have defaults, a recent decline, or other marks — these chapters explain how we judge them together.
Defaults alongside your CCJ — lenders weigh both.
The full adverse picture if CCJ is not your only mark.
Turned down after a CCJ? Often wrong lender, not final no.
Accounts and a CCJ together — how we weigh both.
Practical steps before you apply.
Not sure which chapter fits? Start here.
Before you get in touch
Should I apply yet?
Not always. Sometimes satisfying the CCJ first opens better lenders. We say plainly whether to proceed now — before any hard search.
Should I wait?
A few months of clean conduct after satisfying a CCJ can widen options. If waiting is the honest answer, we tell you — rather than another application that was never going to succeed.
Have I ruined my chances?
A CCJ does not automatically prevent a mortgage. High street auto-decline is common; specialist lenders read the full file — age, amount, satisfaction, deposit, and conduct since.
What we would recommend
We review your whole picture, not the CCJ alone. If this were our own case, we would want the same honest answer: proceed now, fix something first, or wait.
Will getting in touch start another application or credit search?
No. We review your CCJ and full file first. A hard search only happens when we agree together that an application to the right lender is realistic.
Jay Sabine
Expert mortgage adviser specialising in complex cases including adverse credit, self-employed borrowers, and first-time buyers. All advice is tailored to your individual circumstances.
Content reviewed: January 2026
CeMAP awarded by The London Institute of Banking & Finance. Cert CII (MP) awarded by the Chartered Insurance Institute.
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 |
Still researching?
If you have read enough and want an adviser view of your CCJ, the form above is the fastest route — we review before recommending any next step.
Back to enquiry formHow Long Does a CCJ Stay on Your Credit File?
A CCJ stays on your credit file for exactly 6 years from the date the judgement was issued. This applies regardless of whether you pay it off or not - the 6-year clock starts from the original judgement date, not when you satisfy it. After 6 years, the CCJ is automatically removed by all three credit reference agencies (Experian, Equifax, and TransUnion).
The good news for mortgage applicants is that the impact of a CCJ diminishes over time. Most specialist lenders become significantly more flexible once your CCJ is 2-3 years old, especially if it's been satisfied. For a complete guide on CCJ timelines and removal options, see our CCJ removal guide.
Satisfied CCJ and Mortgages
A satisfied CCJ is one that has been paid in full. While the CCJ still appears on your credit file for the full 6 years, it's marked as "satisfied" which significantly improves your mortgage prospects. Many lenders require CCJs to be satisfied before they'll consider your application, and a satisfied CCJ demonstrates financial responsibility.
Satisfied CCJ Benefits
- More lenders will consider your application
- Lower deposit requirements (15-20% vs 25%+)
- Better interest rates available
- Shows financial recovery to lenders
Unsatisfied CCJ Challenges
- Fewer lender options available
- Higher deposit requirements (25%+)
- Higher interest rates
- May be required to satisfy before completion
CCJ Credit Score Impact
A CCJ has a significant negative impact on your credit score. When first registered, you can expect your score to drop by 200-300 points or more depending on your starting position. The CCJ signals to lenders that you've previously failed to repay a debt, which makes you appear higher risk.
However, the impact lessens over time. As your CCJ ages and you demonstrate good financial behaviour, your credit score will gradually recover. Paying off the CCJ (satisfying it) helps, as does maintaining low credit utilisation and making all current payments on time.
For mortgage purposes, many specialist lenders focus less on your actual credit score number and more on the individual CCJ details - when it was registered, how much it was for, and whether it's satisfied. Have questions about your situation? See our quick answer guide on CCJ mortgages.
Can You Remove a CCJ From Your Credit File?
There are limited circumstances where you can get a CCJ completely removed from your credit file before the 6-year period ends:
Certificate of Cancellation
If you pay the full CCJ amount within 30 days of the judgement date, you can apply for a Certificate of Cancellation. This completely removes the CCJ from the Register of Judgments and your credit file, as if it never existed. The cost is £15 via form N443.
Set Aside Application
If you never received the original court claim, or you have a valid defence to the debt, you can apply to have the CCJ "set aside". This requires completing form N244 and potentially attending a court hearing, but if successful, the CCJ is removed entirely.
For step-by-step instructions on both methods, read our comprehensive remove CCJ from credit file.
Can You Get a Mortgage with a CCJ?
Yes, you can get a mortgage with a CCJ. While high street banks typically decline applicants with County Court Judgements, the specialist lending market in the UK has grown significantly to serve borrowers with adverse credit histories. Whether you have one CCJ or multiple CCJs, there are lenders who will consider your application based on your individual circumstances rather than automatically rejecting you.
The key factors that determine whether you can get a mortgage with a CCJ include how old the judgement is, the amount involved, whether it's been satisfied, and your current financial stability. Many borrowers are surprised to learn that specialist lenders take a more holistic view of their application, considering factors like steady employment and a clean recent credit history alongside any historic CCJs.
- CCJs over 2-3 years old have more lending options available
- Satisfied CCJs are treated more favourably than outstanding ones
- Small CCJs under £500 may be disregarded by some lenders
- A larger deposit typically opens up more lender choices
For a quick overview of your options, check our guide to getting a mortgage with a CCJ, or explore our wider bad credit mortgages section for related information.
CCJ Mortgage Lenders: Which Lenders Accept CCJs?
Specialist CCJ mortgage lenders operate differently from mainstream banks. Rather than relying solely on automated credit scoring, these lenders employ underwriters who manually assess each application. This approach means your CCJ is viewed in context - a single small CCJ from several years ago is treated very differently from multiple recent, large CCJs.
The UK specialist lending market includes building societies, challenger banks, and private lenders who specifically cater to borrowers with adverse credit. These lenders understand that life circumstances can lead to financial difficulties, and they're often more interested in your current ability to afford the mortgage than in past credit issues.
What CCJ Mortgage Lenders Look For
- Evidence the CCJ circumstances won't recur
- Stable income and employment history
- Clean credit conduct since the CCJ was registered
- Reasonable deposit relative to the property value
- Clear explanation of what caused the original CCJ
Working with a specialist mortgage broker gives you access to lenders who don't deal directly with the public. Learn more about improving your application in our CCJ removal guide, or speak to our team about bad credit mortgage options.
What CCJ Mortgages Typically Cost
Every CCJ case is different — lender pricing depends on your full credit file, deposit, and affordability. The bands below are illustrative only and not a quote or guarantee. A specialist adviser will confirm what applies to you.
Satisfied CCJ (3+ years, smaller amount)
Often ~0.5–1.5% above standard market rates, with deposits from ~10–15% where the rest of the file is clean.
Recent or unsatisfied CCJ
Often ~2–5% above standard rates (sometimes more), with deposits typically 20–25%+ and specialist lender underwriting.
One recent case on our file: satisfied CCJ, approved at 0.6% above standard after 18 months of clean credit — see real client outcomes.
How to Get a Mortgage with a CCJ: Step by Step
- 1
Check your credit file
Review CCJ amount, satisfaction status and date via Experian, Equifax or TransUnion.
- 2
Satisfy the CCJ if you can
Paying in full marks the CCJ satisfied — many lenders require this before lending.
- 3
Build your deposit
Typically 15–25% with a CCJ; more deposit widens lender choice and may improve rates.
- 4
Match the right lender
Specialist lenders manually underwrite — a broker routes you away from auto-decline high street banks.
- 5
Apply with evidence prepared
Stable income, explanation of the CCJ, and clean credit since registration strengthen your case.
Multiple CCJs? See our multiple CCJs mortgage guide.
CCJ Mortgage Deposit: How Much Do You Need?
Your CCJ mortgage deposit requirement depends on several factors including the age and size of your CCJ, whether it's satisfied, and any other adverse credit on your file. Generally, expect to need a larger deposit than borrowers with clean credit - typically between 15% and 25% of the property value.
The good news is that a larger deposit significantly improves your options. With 25% or more, even borrowers with recent or unsatisfied CCJs can often find suitable lenders. Conversely, if you only have a 10% deposit, your CCJ needs to be older (typically 3+ years) and satisfied to access competitive rates.
Lower Deposit (10-15%)
- CCJ must be 3+ years old
- Typically needs to be satisfied
- CCJ value usually under £1,000
- Clean credit since the CCJ
Higher Deposit (20-25%+)
- More flexibility on CCJ age
- Unsatisfied CCJs may be considered
- Larger CCJ values accepted
- Better rates available
If you're unsure about your deposit requirements, our CCJ mortgage guide explains what to expect. You might also find our bad credit mortgages page helpful for understanding the broader landscape.
Mortgage with Satisfied or Settled CCJ
Getting a mortgage with a satisfied CCJ is significantly easier than with an unsatisfied one. When you pay off your CCJ in full, the court updates the Register of Judgments to show it as "satisfied", and this status is reflected on your credit file. Most specialist lenders view a satisfied (also known as settled) CCJ much more favourably, as it demonstrates you've taken responsibility for the debt.
Many lenders specifically require CCJs to be satisfied before they'll consider an application. Even those who accept unsatisfied CCJs often charge higher rates or require larger deposits for unsettled judgements. If you have the means to satisfy your CCJ before applying for a mortgage, doing so can open up more lender options and better rates.
- Satisfied CCJs qualify for more mainstream specialist lenders
- Lower interest rates are typically available with settled CCJs
- Deposit requirements are often lower (15-20% vs 25%+)
- Shows lenders you've resolved past financial difficulties
- Combined with age of CCJ, satisfaction status is a key factor
For detailed information on satisfying your CCJ and the timeline involved, see our comprehensive CCJ removal guide. Our CCJ mortgage answers page also covers common questions about the process.
Can You Get a Joint Mortgage with a CCJ?
Yes, you can get a joint mortgage even if one applicant has a CCJ on their credit file. In fact, applying jointly with a partner who has a clean credit history can sometimes improve your chances of approval. Lenders will assess both applicants' credit profiles, and a strong co-applicant may help offset the impact of one person's CCJ.
However, both applicants' credit files will be linked going forward, so it's important your partner understands that your CCJ may affect their credit rating through association. Some couples choose to have the CCJ-free partner apply alone if their income is sufficient, though this means only their income is considered for affordability.
- Joint applications combine both incomes, allowing higher borrowing
- A partner with clean credit can strengthen the overall application
- Both credit files become linked after a joint mortgage application
- Specialist lenders assess joint applications on their individual merits
For more information on joint borrowing with adverse credit, see our joint mortgage with bad credit guide or explore our bad credit mortgages section.
CCJ Mortgages and High Street Lenders
High street banks such as Halifax, Nationwide, Santander, and Barclays typically decline mortgage applications from borrowers with CCJs. These mainstream lenders use automated scoring systems that often reject applications with any County Court Judgements, regardless of the circumstances. Even satisfied CCJs or those for small amounts may trigger an automatic decline.
This doesn't mean you're out of options. The UK's specialist lending sector has grown significantly, with many building societies and challenger banks specifically designed to help borrowers that mainstream lenders turn away. These specialist lenders manually underwrite applications, considering your full circumstances rather than just a credit score.
Why Work with a Specialist Broker?
Many specialist CCJ lenders don't deal directly with the public. A specialist mortgage broker has access to lenders you won't find on comparison websites and knows exactly which lenders are most likely to approve your application based on your specific CCJ details.
Rather than applying directly to high street lenders and risking multiple rejections (which can further damage your credit), speak to our team about your options. We access the full specialist lending market to find lenders who genuinely consider bad credit mortgage applications.
People Also Ask: CCJ Mortgages
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.
No. Satisfaction widens lender options and shows responsibility, but approval still depends on CCJ age, amount, deposit, affordability, and the rest of your credit file.
Sometimes, yes — usually with a larger deposit and a specialist lender. Unsatisfied CCJs narrow the market but do not always mean automatic decline if the wider profile is strong.
Real Stories: CCJ Mortgages Approved
See how we've helped clients with CCJs secure their mortgages:
From CCJ to First-Time Buyer
First-time buyer with a satisfied CCJ approved for £180,000 mortgage at competitive rates—only 0.6% above standard market rates in 18 months.
Read full storyMultiple Adverse Credit Overcome
Client with CCJ and defaults approved after we found a specialist lender who assessed their case individually rather than auto-declining.
Read full storyRelated Specialist Guides
Many borrowers with CCJs also have other credit issues. Our specialist guides cover every scenario:
Protect Your New Mortgage
Once approved, protect your home and family with the right insurance. Life insurance ensures your mortgage gets paid if the worst happens.
Explore Protection OptionsRelated Topics
Can I Get a Mortgage with a CCJ?
Quick answers to common CCJ mortgage questions.
How to Remove a CCJ From Credit File
Learn how long CCJs stay on your credit file, when they can be removed, and your options for satisfaction or cancellation.
Multiple CCJs Mortgage Guide
More than one CCJ? How lenders assess multiple judgements and what deposit you may need.
Default Mortgages
Mortgage options with defaults on your credit file - often seen alongside CCJs.
Missed Payments Mortgages
How missed payments alongside a CCJ affect your application and which lenders consider both.
How Many Missed Payments Stop a Mortgage?
Exactly how many missed payments block high-street lenders — and what your options are.
Mortgage After Payday Loans
If you've also used payday loans, find out which lenders can still help.
Bad Credit Mortgages
Explore mortgage options for borrowers with various credit issues including missed payments and defaults.