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        Getting a Mortgage With a CCJ

        Worried a CCJ might stop you from getting a mortgage? The mortgage brokers we work with, who deal with bad credit cases every day, will be able to help.

        Firstly, have you had a CCJ registered in the last 6 years?

        No impact on your credit score

        Getting a mortgage with a County Court Judgement (CCJ) against your name does make the process a little more tricky, but it’s still very much possible.

        There are a variety of options available and this guide will lay them out for you, including the criteria you’ll need to meet, where to get professional advice and more.

        Can you get a mortgage with a CCJ?

        Yes. It is still possible to get a mortgage with a CCJ on your credit file, although it is an added complication which usually results in higher interest rates.

        This is due to the increased risk on the mortgage lender’s part that you may miss some monthly repayments, so as a result they might up your interest rate to help offset the risk they’d be taking on.

        Factors such as how recently you were issued with a CCJ and how much you owed, do affect your chances of getting a mortgage.

        There are a rising number of lenders who specialise in offering mortgages to applicants with CCJs and a bad credit mortgage broker would be able to help you in finding the best deal.

        Will it help if your CCJ is satisfied?

        Yes. It will certainly increase your number of approachable mortgage lenders. To put it another way, once you’ve proved you have paid off your CCJ in full, you will improve your chances of being accepted for a mortgage.

        You will also stand a better chance of securing a favourable interest rate than you would with an unsatisfied CCJ hanging over your head.

        How can you improve your chances of success?

        Having a regular stable income, a clear credit history since the CCJ and it having been paid off prior to applying, will all increase your chances of being accepted for a mortgage.

        In addition, there’s a number of other steps you can take, such as:

        Bullet Tick Save as much deposit as you can - anything above 25% would be good and could also reduce the interest rates on offer from lenders
        Bullet Tick Try and avoid any other unnecessary credit applications in the months running up to lodging your mortgage application
        Bullet Tick Be patient! As tempting as it is to want a mortgage and move house, some times it pays to wait until your credit score has sufficiently improved

        The majority of the mortgages available to those with a CCJ tend to be for residential, however buy-to-let and remortgage options are also both accessible.

        Get Started with a Broker

        Maximise your chance of approval with specialist advice from an expert in Bad Credit Mortgages.

        Mortgage lenders who consider applicants with CCJs

        At the time of writing (September 2021), there are 27 lenders who would offer a mortgage to an applicant with a CCJ. The maximum loan-to-value (LTV) available was 95% with interest rates at this LTV tier averaging around 3-3.5%.

        At the 75% LTV tier rates did fall below 1.5%, however all the mortgages are subject to approval by the lender and depend on various criteria, which is harder to achieve for the higher LTV and lower rate products.

        The best rates are usually exclusively available through bad credit mortgage lenders, as they have the flexibility to take the age, amount and reason for the CCJ on board before making a final lending decision. They also offer bespoke deals for customers with this type of bad credit.

        To access these products it is wise to use the services of a specialist bad credit mortgage broker, as they will improve your chances of gaining access to the best deals available.

        Which lenders have you already tried?

        40% of our customers had been declined elsewhere before coming to us. The brokers we work with will be able to assess your circumstances and then identify the right lender for you instead of going direct.

        — Choose from the tiles below to continue:

        Lending criteria

        Where lending criteria is concerned, the majority of mortgage providers have a limit on the amount of CCJ debt you can have and still qualify for a mortgage.

        The amount of debt owed that a lender will accept usually ranges from between £300 and £10,000, with the rate offered varying based on the total sum.

        As well as this, the amount of deposit that you are able to put down will impact whether a lender is likely to offer you a mortgage. The more you can part with, the better your chances of approval, and most lenders will insist on more than the minimum for this type of bad credit.

        This is all in addition to the standard eligibility requirements that you will need to meet such as age, credit rating, income and the property type.

        All lenders will have specific eligibility requirements for their CCJ products, however a mortgage broker will be able to pair you with the best one based on your individual circumstances.

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        What to do if you’ve been declined for a mortgage because of a CCJ

        The most important thing to do after being declined for a mortgage because of a CCJ is to avoid rushing into applying for another and risking being rejected for that as well by another lender.

        If you have two rejections in quick succession you will further decrease your chances of being accepted and could damage your credit report.

        Your best course of action after your first rejection would be to contact a mortgage broker and ask them to identify exactly why you have been turned down in order to avoid making the same mistake the second time round with a different lender.

        If there are grounds to appeal against the lender’s decision, your broker will take the lead on that, but they will also explore whether moving to another lender – such as a specialist bad credit mortgage provider – is in your best interest.

        It is also important to bear in mind that after six years your CCJ will be removed from your credit report, which means lenders will no longer be able to see it and reject you on that basis.

        Once your CCJ has been removed your credit score will increase, which improves your overall application from a mortgage lender’s perspective.

        Speak to an expert about CCJ mortgages today!

        To put it simply, you’ll need a broker to get a mortgage if you have a CCJ on your file, whether it’s satisfied or otherwise.

        Ideally, you’ll want to find a mortgage advisor who specialises in helping people with CCJs get onto the property ladder, and we’ll match you with an expert who fits the bill through our broker-matching service – it’s free to use and could save you time, money and potential disappointment in the long run.

        Call 0808 189 0463 or make an enquiry and we’ll set up a free, no-obligation chat between you and your ideal mortgage broker today. We don’t charge a fee, and there’s absolutely no further obligation or marks to your credit rating.


        Yes, and if there is scope to do this, it could boost your chances of getting approved for a mortgage. There are ways in which to negotiate a CCJ; after receiving your CCJ in the post, a reply form will be included within the letter.

        You must send this off within 30 days of the date the letter was sent and you can dispute the claim that you owe debt.

        If you are still required to pay the debt, you can then negotiate the date it needs to be paid by and whether you can pay in instalments.

        There are several ways to improve your credit rating after your CCJ has been marked as satisfied. These include registering for the electoral roll and minimising your number of credit applications.

        Keeping a regular check on your credit report to make sure all the details are correct is also good financial practice.

        Once you have been issued a CCJ it will be added to a public database called the Register of Judgments, Orders and Fines.

        It will only not be added if you pay the full amount within one calendar month of the CCJ being issued or if you dispute the CCJ and prove there was an error.

        However, after six years all information on your CCJ will be removed from the register.

        Ask a quick question

        We can help! We know everyone's circumstances are different, that's why we work with mortgage brokers who are experts in bad credit mortgages. Ask us a question and we'll get the best expert to help.

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        Pete Mugleston

        Pete Mugleston

        Mortgage Expert, MD

        About the author

        Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

        Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for OMA of course!

        FCA Disclaimer

        *Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us as well as any of our own are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

        Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.