Get A Mortgage With CCJ's
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We specialise in getting a mortgage with CCJ’s and know the lenders that will help you.

Understanding what lenders want to know if you have a County Court Judgement (CCJ) on your credit profile is key to a successful mortgage application. Thanks to Adverse Mortgage Advisors’ experience and understanding of the process, we can help match you with the right lender for your circumstances.

The information here explains how a CCJ can affect your chances and the things that can impact getting your mortgage application accepted.

How Will a County Court Judgement (CCJ) Affect Getting a Mortgage?

A County Court Judgement is a court order to repay a debt and can mean that there are different criteria for a successful application, having a larger deposit for instance.

Lenders will look at your unique circumstances, such as what the CCJ’s for and how old it is, but don’t worry, we don’t get discouraged if we come up against a rejection, we will just try another lender that has different criteria.

Our mortgage advisors understand which lender might be willing to offer you a mortgage based on your personal circumstances.

Here’s some information about CCJ’s that might help you get a mortgage with CCJ

CCJs stay on your credit report for six years unless you repay it within 30 days of the judgement being made against you. If you satisfy the CCJ within this 30-day period you can apply to have it removed, otherwise the CCJ will remain on your credit profile. Removal of a CCJ won’t remove any defaults or records of arrears that led to the CCJ.

If the CCJ has been paid off, lenders will still have to consider other criteria before accepting your application. They’ll also be interested in the circumstances surrounding your CCJ.

For example, they’ll look at how recent and what the CCJ was for, when it was settled, any other credit problems you’ve had and your current financial circumstances.

If the CCJ was issued over two years ago, you’re more likely to get a mortgage with a lower deposit if everything else on your application is satisfactory to the lenders’ criteria. You’ll also require less deposit the older the CCJ is. If the CCJ has been paid, you might only need a 15% deposit. Whereas if a CCJ is unpaid, a larger deposit will likely be required.

For some lenders, the date the CCJ was satisfied is also important. Some won’t require settlement at all for a CCJ mortgage, whereas others require it to have been settled for at least 36 months.

Get A Mortgage With CCJ's
Find out if you qualify in less than a minute. It won’t affect your credit score!
Get started

Getting you the right mortgage
We are confident that we can find you a lender, but you may not feel it’s the right mortgage for you. Whether the repayments are too high, or the deposit requirement is too much, we will help you to understand what you need to do, to get the right deal.

No broker fee mortgage
We appreciate the financial benefits of a mortgage from a high street lender, so will help our clients understand what it takes to get one.  Once their credit file is repaired and the mortgage we previously arranged for them is up for renewal, we will help them celebrate their successful application with a high street lender, by waiving our broker fee.

Get A Mortgage With CCJ's
Find out if you qualify in less than a minute. It won’t affect your credit score!
Get started

Getting you the right mortgage
We are confident that we can find you a lender, but you may not feel it’s the right mortgage for you. Whether the repayments are too high, or the deposit requirement is too much, we will help you to understand what you need to do, to get the right deal.

No broker fee mortgage
We appreciate the financial benefits of a mortgage from a high street lender, so will help our clients understand what it takes to get one.  Once their credit file is repaired and the mortgage we previously arranged for them is up for renewal, we will help them celebrate their successful application with a high street lender, by waiving our broker fee.


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FAQs

If you have questions about getting a mortgage with an adverse credit score, read our FAQs. Our wealth of knowledge within this market means that we’re confident in our ability to offer specialist mortgage advice and secure the mortgage you want regardless of your credit history.

Read more FAQs
What is a CCJ?

CCJ stands for County Court Judgement, which is a court order issued by a county court in the UK. A CCJ is typically issued when an individual or company has failed to repay a debt or has not responded to a court claim regarding an outstanding debt.

The CCJ will state the original amount of money owed plus additional costs that have been added by the court. A deadline will be provided for the debt to be repaid, if the debt is not repaid within the specified time then a CCJ will be recorded on your credit file. Once a CCJ has been recorded on your credit file it will have a negative impact on your credit score which will make it harder and more expensive to borrow money in the future.

The difference between a CCJ and Defaults

Default’s and CCJ’s are both legal actions related to debt and payment obligations which have not been met. A default is a notice of intent to take legal action, whereas a CCJ is a court order that has been issued against a borrower who has failed to repay a debt.

A default is a notice that a lender or creditor sends to the borrower when they have failed to maintain the agreed monthly payments on an agreement or failed to meet a deadline for repayment. It is a warning that should not be ignored.  It means the creditor or lender intends to take further action unless the debt is repaid in full, or an agreement is reached. 

Although a default is not a court order, it can still severely impact your credit score and financial reputation and will remain on your credit file for 6 years.

When does a CCJ get removed?  As an actual court order that has been issued by a County Court against a borrower who has failed to repay a debt, a CCJ will stay on the borrower’s credit file for 6 years unless the CCJ is cleared within a month of the registration date. The court will set a repayment schedule for the outstanding agreed debt along with any additional charges like court fees and interest.  

If you are already a homeowner, a creditor or lender may apply to the court for a charge to be registered against the property. That charge will then stay on the title deeds until it has been repaid. If this happens the property can’t be sold or remortgaged unless the charge is removed. This will involve repaying the debt plus any interest that has been added.

Can I still get a mortgage with a CCJ or default?

The short answer is YES, however there are lots of factors that will determine the level of deposit required to support your mortgage application, and the interest rate you will be charged by the bank or lender that makes them feel comfortable against the risk.

The main things to consider are as follows:

A specialist lender, who will likely charge a higher interest rate, will ignore a CCJ and defaults that have been registered for over 36 months (3 years) even if they have not been satisfied.

The older the CCJ or default, the more lenders you will have available to apply for a mortgage with. 

High Street lenders (like building society’s and banks) will give lower interest if the CCJ or default been satisfied (repaid) for over 36 months. 

How much does a CCJ affect my credit score? On average a borrower’s credit score can go up by as much as 200 points by satisfying a CCJ or default.

The amount the CCJ or default that was recorded against you and the higher the balance will reduce the number of lenders that will consider your application unless they have been satisfied for 36 months. The tolerance that most mainstream lenders will have generally ranges between £250 to £500. If you have a CCJ or default that is more than this, it doesn’t mean a mortgage is not possible. However, it is likely that you will need a larger deposit and can expect to pay higher interest rates.

How many CCJ’s can you have? It doesn’t matter however, the number of CCJ’s or defaults that have been recorded against you will reduce the number of lenders that will consider your mortgage, especially if they are all recorded against you within the last 36 months. 

Lenders will all have their own unique criteria around CCJ’s and defaults and will also have different tolerance levels around the number that they will consider recorded against you. The more CCJ’s and defaults that you have had recorded against you, especially within the past 36 months, will directly affect the amount of deposit you will likely have to put down to support your mortgage application and the interest rate which will be made available to you.

The type of CCJ that has been recorded against you will also determine which lenders can consider your application. For example, if you have just one CCJ for a parking offence then it would be looked upon differently then if you had a CCJ recorded against you for not paying a financial commitment such as credit cards, hire purchases or personal loans.

Just like with CCJ’s the type of default that has been recorded against you will be viewed differently by lenders. For example, defaults for communication (mobile phones & broadband) and utility (household bills such as gas, electricity and water) will be viewed differently to defaults that have been recorded against you for credit card, personal loan & car hire purchase agreements.

How long after a CCJ is registered can I get a mortgage?

It will depend on what the original balance of the CCJ was and what it was for. It is possible that a lender will consider your application once your CCJ has been satisfied for at least 3 months for minor court orders under £500 for things such as parking fines.

However, if the lender considers the CCJ is for a more serious commitment, such as Credit cards, loans etc… and the balance was over £500 fewer lenders would be willing to consider your application until the CCJ had been registered for at least 6 months, even if it had been repaid. The interest rates are likely to be higher than a high street lender, and the minimum deposit required to support your application would also need to be 25% or more.