Can you get a mortgage with a CCJ?

Yes, you can get a mortgage with a County Court Judgment (CCJ). However, it is likely to be more difficult. CCJs will affect your credit score & make lenders cautious. Still, there are many lenders who specialise in lending to people with bad credit, including those with CCJs. These lenders may be more willing to consider your application, especially if the CCJ is satisfied, or older & for a smaller amount.

To improve your chances, try to pay off the CCJ if possible, satisfying your CCJ will boost your credit score, save for a larger deposit, and seek advice.  As specialists in this area, Adverse Mortgage Advisors can help you the right lender for your circumstances.

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