Having a County Court Judgment, often called a CCJ, can make getting a mortgage feel more difficult. But it does not always mean homeownership is out of reach.
At Just Mortgages, our Adverse Credit Solutions Team works with clients who have experienced credit challenges, including CCJs. We take time to understand when the CCJ was registered, whether it has been paid, how much it was for, and what your wider financial position looks like today.
Can I get a mortgage with a CCJ?
It may still be possible to get a mortgage with a CCJ, although your options can depend on the details. Lenders will usually look at how recent the CCJ is, whether it has been satisfied, the amount involved, your deposit, your income and your current affordability.
Some high street lenders may be cautious, but specialist lenders may be willing to consider applications where there is a clear explanation and evidence of improved financial stability.
What lenders may consider
When reviewing a mortgage application with a CCJ, lenders may look at:
- The date the CCJ was registered
- Whether it has been paid or remains outstanding
- The value of the CCJ
- Your recent credit conduct
- Your deposit amount
- Your income, outgoings and affordability
- Whether there are any other adverse credit issues
How Just Mortgages can help
Our specialist advisers will review your circumstances and help you understand which lenders may be more suitable for your situation. We can assess your credit file, explain what a lender is likely to look for, and help you avoid making multiple unsuitable applications.
Speak to an adverse credit mortgage adviser
A CCJ does not have to define your future. If you are thinking about buying, moving home or remortgaging, speak to Just Mortgages’ Adverse Credit Solutions Team for clear, supportive guidance.
Book an appointment with our Adverse Credit Solutions Team.
Mortgage with a CCJ FAQs
Can I get a mortgage with a CCJ?
It may be possible to get a mortgage with a CCJ, but it depends on your circumstances. Lenders will usually consider when the CCJ was registered, whether it has been satisfied, the amount involved, your deposit, income, affordability and recent credit conduct.
Does a satisfied CCJ improve my mortgage chances?
A satisfied CCJ may be viewed more positively than one that remains unpaid. It shows the debt has been dealt with, although lenders will still consider when the CCJ was registered and your wider credit history.
How long after a CCJ can I apply for a mortgage?
There is no single timescale that applies to every lender. Some may want the CCJ to be older or satisfied before they consider an application, while others may take a more flexible view depending on the overall case.
Will all lenders accept mortgage applications with a CCJ?
No. Some high street lenders may be more cautious if you have a CCJ on your credit file. Specialist lenders may be more willing to consider applications from people with adverse credit, subject to criteria and affordability.
How much deposit do I need for a mortgage with a CCJ?
The deposit needed can vary depending on the lender, the age and value of the CCJ, whether it has been satisfied, and your wider financial circumstances. A larger deposit may improve the number of options available to you.
Should I check my credit file before applying?
Yes. Checking your credit file before applying can help you understand what lenders may see. It also gives you the opportunity to correct any errors and prepare an explanation for any adverse credit.
Can Just Mortgages help if I have a CCJ?
Yes. Our Adverse Credit Solutions Team can review your circumstances and help you understand which mortgage options may be suitable for your situation.