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Home » Mortgages » Bad Credit Mortgages » Defaults/CCJs

What is a CCJ?

CCJ stands for County Court Judgement, and can be issued if you fail to repay certain debts. It is often the last resort taken by creditors; they won’t issue a CCJ before trying to contact you with calls, letters and notices. 

Receiving a CCJ isn’t something to be taken lightly, and it can make a number of financial dealings tricky. It can count against you even if you try to open a bank account or get a credit card. Having a CCJ will be reported on your credit history, which is checked each time you apply for any type of credit, including a loan or mortgage.


Can I get a mortgage with a CCJ?

Yes, it is possible to get a mortgage even if you have a CCJ on your credit history. Some lenders will reject customers if you have a CCJ on your record, whilst others may offer less favourable rates or ask for a higher deposit. Others will be satisfied with a CCJ that has been paid in full; what is deemed acceptable on your credit file can vary widely from lender to lender. 

It is still possible to get a bad credit mortgage, but there will be several factors that lenders will look at, such as:

– How many are applying for the mortgage. If you have a good credit history but your partner has a CCJ, and you are applying for a joint mortgage, then this will be taken into consideration . Even if the application is in one name, some lenders may financially associate you with your partner’s credit profile which could affect you getting approved

– Other credit issues such as credit card debt, missed payments, etc. 

– Your deposit amount

– Your income

What do I need to be aware of about getting a mortgage with a CCJ?

Every mortgage lender will have eligibility and affordability criteria that you have to meet in order to be considered for a mortgage, regardless of your credit history. In addition to these criteria, your CCJ will also have to meet some conditions, which we have outlined below:

Date of the CCJ

How recently you received the CCJ is possibly the most important factor that will be considered when it comes to your mortgage eligibility. A CCJ that is four years old will be less of an issue than one that was issued in the last year, although the latter is still possible with the right guidance.

Date of settlement

The date your CCJ was settled is also incredibly important. Some lenders may not require a settlement at all, whereas others will want it to have been settled for a minimum of 12 months.

Size of the CCJ

Another key factor considered by specialist mortgage lenders is the size of the CCJ against your name, especially if it was registered recently. The maximum size of a CCJ that lenders will accept varies entirely on when it was issued; the more recently you received it, the lower the limit will be.

Number of CCJs

Of course, the fewer CCJs you have against your name, the better, but it is still possible to be approved for a mortgage if you have more than one. What helps with multiple CCJs is having a larger deposit available. Many specialist CCJ mortgage lenders will restrict the number you can have against your name if they were registered in the last 12 to 24 months or less, if you have a small deposit of 5-10%. 

If you have a larger deposit available – for example, 25-35% – then mortgage lenders can consider a higher number of CCJs if they are over a year old. 

Deposit size

The higher the deposit you can put down, the better chance you’ll have of being approved for a mortgage, especially if you have a CCJ. As we mentioned previously, a bigger deposit will mean more recently registered (can younger be replaced, maybe with recently registered?) CCJs won’t have as much of an impact.

Satisfied vs unsatisfied CCJs

Let’s look at what how a satisfied and unsatisfied CCJ can affect your mortgage application:

– Satisfied CCJ – If you have a satisfied CCJ on your file, some lenders will consider your application as long as it was paid off before you applied. Others will want it to have been satisfied for at least 12 months

– Unsatisfied CCJ – Many traditional high street lenders will want a CCJ to have been settled in full. If the CCJ was issued more than two years ago and is still not repaid, many specialist lenders don’t require it to be satisfied. However, you may have a more difficult time if it was issued within 24 months

How do I know if I’ve got a CCJ?

If you have noticed your credit score has taken a hit recently, or you have been denied a credit card or loan, but are unsure why, then you might have to do a little digging. If you suspect that you have a CCJ against your name, then the easiest way to confirm is to contact a UK credit reference agency and ask for a copy of the information they have on you. Use checkmyfile– to get a quick scan of your credit report.

If you know you have a CCJ on your record, you can contact the Register of Judgements, Orders and Fines. By paying a £4 fee, you can see what has been issued to your name.

Although it may seem daunting, knowing what you are dealing with when it comes to your finances can help you move forward and take the right steps towards a secure future.

How Mortgage Experience can help you

When it comes to CCJ mortgages, we are the experts that you can trust – we have helped countless people like you with often complex mortgage applications. We take pride in providing a personal service without judgement.

Our expertise and database can search thousands of mortgage products, which often includes products from specialist CCJ mortgage lenders that you may not find elsewhere.

Take the first step towards a new mortgage or remortgage today by using our CCJ mortgage calculator.

CCJ mortgage FAQs

How long does a CCJ stay on my credit history?

A CCJ will remain on your credit file for six years from the date it was served. It may remain on your file even if you pay off the CCJ. If you however have paid the CCJ in full within 30-days of it being issued, or have successfully disputed the CCJ in the first place, then you can request for the CCJ to be removed from your file.

Does the date of my CCJ matter for a mortgage?

Yes. Each lender may look at CCJs Yes. Each lender may look at CCJs differently, although more often than not they will consider how long ago the CCJ was issued, along with when or if it was settled.

How do I get a CCJ removed?

A CCJ can be removed if the full debt amount is paid to the creditor within 30 days of the court issuing it. If you don’t, the CCJ will remain on your credit history for six years. If you believe a CCJ was issued in error, you will need to contact the claimant, ask them to acknowledge the mistake, and then contact the credit reference agency who has it on their records.

How do I pay a CCJ?

When you have not paid money back to a creditor and a court rules against you, you will be sent a judgement on how much you owe (including the debt plus legal or court fees), who you should pay (this will likely be the creditor or their representative), how you should pay, and when you need to pay by. If you have financial difficulties, you may be allowed to pay in installments.

We take a personal approach to your mortgage

With a Mortgage Experience adviser on your team, you can sit back, relax, and be safe in the knowledge that we will be doing all the heavy lifting to find you a suitable CCJ mortgage with the best rates available. This gives you more time to pack, and well, do the actual physical heavy lifting (should you wish) as you move into and enjoy your new home. Get in touch with our expert team today to be assigned your specialist mortgage lender and get started on your journey.

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