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Home » Mortgages » Bad Credit Mortgages » Defaults/CCJs

Last Updated: 18th September 2023

Understanding CCJs

A County Court Judgement, commonly known as a CCJ, is a legal verdict issued when you fail to repay specific debts. Creditors usually resort to a CCJ as a last measure after trying to contact you through calls, letters, and notices. A CCJ isn’t a trivial matter, as it can impact various financial transactions, from opening a bank account to obtaining a credit card. It’s recorded on your credit history, affecting any future credit applications, including loans and mortgages.


Can I Get a Mortgage with a CCJ?

The good news is, yes, it’s possible to secure a mortgage with a CCJ in your credit history. However, it’s essential to note that different lenders have varying criteria and may offer different terms based on your unique situation. Here are key factors lenders consider:

Number of Applicants: If you’re applying jointly, your partner’s credit history matters too. Some lenders may assess your partner’s credit profile even for a single applicant.

Other Credit Issues: Aside from a CCJ, lenders will also scrutinise other credit issues like credit card debt and missed payments.

Your Deposit: The size of your deposit plays a crucial role in securing a mortgage, especially with a CCJ.

Your Income: Your income is an important factor in determining mortgage eligibility.

Key Considerations When Getting a Mortgage with a CCJ

Besides the general eligibility and affordability criteria set by mortgage lenders, CCJs come with specific conditions:

Date of the CCJ: The recency of the CCJ is a critical factor. An older CCJ may have less impact than a recent one, but with expert guidance, even recent CCJs can be managed.

Date of Settlement: Some lenders may require the CCJ to be settled for a minimum duration, while others may not require settlement at all.

Size of the CCJ: The size of the CCJ matters, especially if it’s recent. Lenders have varying limits based on when the CCJ was issued.

Number of CCJs: While fewer CCJs are preferable, having more than one doesn’t necessarily disqualify you. A larger deposit can improve your chances.

Deposit Size: A larger deposit increases your likelihood of mortgage approval, even with a CCJ. Recent CCJs have less impact with a bigger deposit.

Satisfied vs. Unsatisfied CCJs: The status of your CCJ matters. Some lenders accept satisfied CCJs if paid before application, while unsatisfied ones can be more challenging to handle.

How do I know if I’ve got a CCJ?

Checking Your CCJ Status

If you suspect you have a CCJ on your record, it’s essential to confirm it. You can obtain a copy of your credit report from a UK credit reference agency or contact the Register of Judgements, Orders, and Fines for information. Knowing your financial situation is the first step towards securing your financial future. Use checkmyfile – to get a quick scan of your credit report.

At Mortgage Experience, we specialise in assisting individuals with CCJs in navigating the complex landscape of mortgage applications. Contact us today, and let’s embark on your journey to homeownership despite a CCJ on your record.

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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