TL;DR - Quick Answer
Many specialist lenders accept CCJs, even unsatisfied ones registered recently. The key factors are: whether it's satisfied/unsatisfied, the amount, when it was registered, and your overall credit profile. With the right lender match, CCJs don't have to stop your mortgage application.
Key Points
- Specialist lenders accept CCJs registered as recently as yesterday
- Satisfied CCJs are viewed more favourably than unsatisfied ones
- CCJs under £500 have minimal impact with many lenders
- Multiple CCJs require specialist lender access
- Higher deposits typically improve approval chances
- Some lenders ignore CCJs over 3 years old entirely
Lender Examples
How different lenders approach this scenario
| Lender Type | Accepts | Notes |
|---|---|---|
| High Street Lenders | No recent CCJs | Typically require 6 years clear |
| Building Societies | Satisfied 3+ years | Case-by-case for smaller amounts |
| Specialist Tier 1 | Satisfied 12+ months | Up to 85% LTV available |
| Specialist Tier 2 | Unsatisfied accepted | Higher rates, 75% LTV max |
| Adverse Specialists | Any CCJ status | Must meet affordability, typically 70% LTV |
Frequently Asked Questions
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