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Can you get a mortgage with CCJs?

There are lots of mortgage options for people with County Court Judgements (CCJ’s) in their credit history or people with a current CCJ. Lots of people ask ‘can you get a mortgage with CCJs?’ and it is a common question for mortgage brokers or lenders.

This independent expert guide looks at the answers to can you get a mortgage with a CCJ and we explain how it works for new and existing mortgage borrowers. Many households in the UK have some form of bad credit and it’s fairly common for mortgage borrowers to have issues with CCJs and other types of bad credit.

It can be slightly more difficult to get a mortgage with a CCJ, regardless of whether it was your fault or not. There are a number of things that you can do to improve the mortgage application process and to reduce your mortgage rates, to ultimately help to you pay less each month with your mortgage repayments.

CCJs and other forms of poor credit can be annoying and stressful, especially because of the impact on your credit score for several years. According to the Civil Justice Court quarterly report for April to June 2023, Judgements increased by 20% to 277,000 compared to the same period in 2022.

Mortgages with CCJs are typically slightly more complicated than a standard mortgage application, and would usually be 1% to 2% higher rates. The process for applying for a mortgage with a CCJ can also be more difficult if you don’t get the right advice from a bad credit mortgage specialist, and if you apply to the wrong mortgage lender.

Credit checks are a big part of the mortgage assessment, which can cause complications and delays with getting a mortgage. There are lots of things that you can do to improve your chances of getting a mortgage with CCJs and to help reduce your mortgage rate to save you money.

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60-Second Summary – Can you get a mortgage with CCJs?

A County Court Judgement (CCJ) will usually be issued by a court to a borrower or credit customer, if they fail to meet the repayment terms of the credit agreement. This can cause issues with getting a mortgage in the future, and there are a number of things to think about when applying for a mortgage with a default.

Mortgages with CCJs are available with several of the main Highstreet mortgage lenders and some specialist lenders, depending on several key factors.

  • Mortgages and mortgage rates with CCJs will depend on your credit history and how well you have managed your credit since the CCJ was registered against you.
  • CCJs that have been fully satisfied within 30 days or CCJs that you have disputed and had them overturned, might not even appear on your credit report.
  • Mortgages with CCJs often come with other credit problems and so there can be a number of credit factors that might need to be taken in to consideration.
  • Bad credit mortgage specialists are usually the best places to start to get an idea of how complicated the application process will be for you, which lenders would be likely to offer a mortgage, and what you can do to prepare.

Having a CCJ on your credit file may make it feel impossible to get a good mortgage deal without encountering some major issues. However, the process can be more straightforward than you think, especially if you get the right advice before putting in your application and by being properly prepared.

Financial journalist Martin Lewis was asked about mortgages with CCJs in an interview on ITV’s This Morning, where he gave his advice and provided his own opinions about this topic.

I Have A CCJ, Can I Buy A Property? | This Morning

In this independent expert guide, our team of mortgage specialists explain how you can get a mortgage with CCJs and the best ways to save you valuable time, stress, and ultimately to help you to save money. Many borrowers end up being frustrated by applying for mortgages with CCJs and can end up with higher interest rates than they should be paying.

Common mistakes that people make when they apply for a mortgage with a CCJ:

Applying for a mortgage with a CCJ is all about doing your research and being properly prepared before you make an application.

A County Court Judgement is more commonly referred to simply as a CCJ by most people. A CCJ is a court order which is filed against you, if you owe a person, lender, or a company money, and you don’t repay the loan as agreed.

A CCJ will usually be a last resort after a default notice has already been submitted and you have not responded within 30 days, for whatever reason. A CCJ means that a court has reviewed your debt and formally decided you owe the money, which must be repaid. The judgement will arrive as a letter in the post and state:

  • The deadline for paying off the debt
  • How much money is owed
  • How to pay the debt (in full or in instalments)

When you get a CCJ recorded against you, it must be repaid as the court has judged it to be for it to be marked as satisfied to avoid further financial problems. There are also other potential implications such as getting a mortgage with a CCJ or applying for other types of credit, such as loans or credit cards.

There are options for someone to get a CCJ removed from their credit file if the CCJ was incorrectly or unfairly issued. There is a standard appeal process for this and there are several resources to help if you need advice about getting a CCJ removed.

You can also have a CCJ removed if you are able to repay the amount in full within 1 month of the CCJ being issued by the court.

How to get a CCJ removed:

1.  Complete an N244 form here: Gov.uk – N244 Application

2. Send the form to the court that issued the CCJ

3. Wait for the court to agree to hear the appeal

4. You may have to pay a court fee of £275

5. Attend a private hearing to explain the circumstances and the appeal

Some of the resources that are available to you that can be accessed for free to discuss your case are Step Change and Citizens Advice, as discussed by financial journalist Martin Lewis on an episode of ITV’s This Morning.

How Do I Start Repaying My Debt? | This Morning

It is rare for a CCJ to stop you from getting a mortgage altogether and usually there are several options for people with CCJs. There are still several things that can stop you from getting a mortgage with a CCJ, such as CCJs over £2,500 and recent CCJs that are unsatisfied.

Ultimately, your chance of getting a mortgage with a CCJ will depend on your financial situation and whether there are any other credit issues.

When you receive a County Court Judgment CCJ, you might be concerned about how long this will affect your credit history for and when you can get a mortgage. Luckily, a CCJ will not stay on a person’s credit file permanently and there are several ways to reduce the impact of CCJs for longer periods of time.

A CCJ will no longer appear on your credit history 6 years after the date when it was originally recorded against you. This will happen even if you’ve not finished repaying the debt at this point, though of course you will still be obligated to continue with the repayments as dictated by the judgment.

If there are no other credit issues and you have managed your credit in that period, there should be no issues with getting a standard mortgage deal at this point. The table below explains the various points in time where a CCJ might still affect your mortgage application and how to address this.

Time since CCJ was registered  Mortgages with CCJs guidelines
Incorrect or Unfair CCJYou can have a CCJ removed from your credit report and history immediately if it has been issued incorrectly or unfairly. You should appeal to the court in these instances and then this would automatically be removed from your credit score and will not have an impact on your mortgage application.
0 to 3 yearsYour CCJ will normally need to be satisfied for most of the standard Highstreet lenders to consider your mortgage application. If your CCJ has not been satisfied, then you might be able to get a better mortgage deal with a specialist mortgage lender. Mortgage rates within this period will usually be higher than standard mortgage rates.
3 to 6 yearsIf your CCJ is still not satisfied then you might not be able to get a mortgage with a Highstreet mortgage lender in this period, however more lenders are allowing unsatisfied CCJs over 3 years old. If your CCJ is over 3 years old and has been satisfied for more than 12 months, then it can be much easier to get a mortgage and rates can be more competitive.
Over 6 yearsCCJs will automatically stop showing on your credit history after 6 years, regardless of whether or not they have been satisfied. As we’ve mentioned above, you must still continue to repay your CCJ under the terms that have been instructed by the court.

If you’ve received a CCJ within the last 6 years and want to buy a property, don’t assume you will have to delay the purchase until after the 6 years have passed. Mortgage lenders will still offer mortgages to people with an element of bad credit in many cases, and especially if the CCJ or other credit problem has been satisfied.

A mortgage lender will consider how long ago the judgement was issued and how large the debt amount is before making the decision whether to lend or not. It may be that a specialist mortgage lender will be a better fit when it comes to mortgages for people with CCJs.

There can at times be difficulties when trying to take out a mortgage with a CCJ on file. When applying for a mortgage, a lender will always take into account your income and financial past. Your credit history will usually be included as a part of these affordability checks.

There are several issues that can arise when trying to get a mortgage for people with CCJs:

  • Mainstream lenders may decline the application
  • Associated fees could be more expensive
  • You could need to explain what led to the CCJ and the circumstances of the debt
  • Certain deals and lenders may not be accessible
  • Online brokers may not be experienced enough to help

If you are concerned about your poor credit affecting your mortgage, speak to a mortgage specialist for further advice. Even if you have been previously declined, we should be able to help you find the right lender for your needs.

For more information on getting a mortgage with poor credit CLICK HERE. With the right broker you may even be able to access more specific mortgage products like buy to let mortgages or first time buyer mortgages.

Most mortgage lenders will lend up to 85% to new customers or existing customers with CCJs, so you would need a minimum of 15% deposit or equity. Mortgage borrowers with CCJs will often find that they have more options and access to better rates with a bigger deposit or more equity.

Mortgage lenders will automatically consider smaller loans and higher deposits to be a lower risk to them. Ultimately, if you were to default on your mortgage then the lender will want as much equity as possible and especially for higher risk lending. 

The amount owing on the CCJ can also have an impact on whether you would be able to get a mortgage and your mortgage rate. Mortgage lenders will also consider the amount that the CCJ was ‘originally’ issued for and not the amount that you owe on the judgement.

Mortgages with CCJs will be judged based on the amounts, such as:

  • CCJs over £2,500 will be more difficult to get a mortgage, especially if they’re within the past 2 years and even more so if they’re unsatisfied.
  • CCJs over £2,500 that are more than 2 years old can be easier to get a mortgage if there are no other credit issues and repayments have been maintained.
  • CCJs over £2,500 that are satisfied and over 2 years old can still have an impact on the mortgage rates, but it can be easier at this stage.
  • CCJs under £2,500 will often be easier to get a mortgage and even smaller amonts can have less significance on your mortgage application.

If you have had a CCJ recorded against you in the past 12 months, then the amount must be lower and ideally would be less than £1,000 to get a mortgage. Usually, small amounts when it comes to CCJs are less of an issue with mortgage lenders and especially if they have been satisfied for more than 12 months.

It is always going to be easier to get a mortgage with a satisfied CCJ, unless it is over 6 years old. Some mortgage lenders will also only lend to borrowers that have satisfied their CCJ more than 12 months ago.

If your CCJ is unsatisfied then there are some specialist mortgage lenders who might be more suitable for your situation. This is especially true if the CCJ was issued under 3 years ago or for CCJs that were more than £2,500 in value.

You can also get your CCJ removed from your credit file if you satisfy the debt or order within 30 days from the date it was issued.

There are some simple steps to follow to help you to get a mortgage with CCJs and to help you to reduce your mortgage rates. If you prepare yourself and prepare your credit then you can save yourself time, stress, and money.

This is especially true if the CCJ was ‘satisfied’, meaning it was paid off in full within 30 days of issue. This will still be on file but will look better to lenders than a debt that is still being repaid.

  1. Get your credit file or credit report: It’s often easier to get your credit report before you start looking at mortgage applications or speak to a mortgage advisor.
  2. Appeal your CCJ if you need to: You can appeal your CCJ with the court if you don’t think that it’s correct or that the debt was settled.
  3. Satisfy your CCJ (if possible): The best way to improve your mortgage options and to get a better mortgage rate, is to satisfy your CCJ before you apply (ideally 12 months).
  4. Get advice from a poor credit mortgage specialist: A mortgage advisor or broker with experience of dealing with mortgage applications for people with CCJs will be able to find the best mortgage deals and offers.

WARNING: Your credit score and your credit history will also include the number of credit searches that you have had in the past 12 to 24 months. It’s important that you don’t make too many applications and have numerous credit searches, because this will also impact your mortgage application.

People applying for a mortgage with CCJs and other types of bad credit on their credit file will be judged based on all areas. Mortgage applications will be judged based on the combination of any bad credit (including CCJs, Defaults, IVAs, Missed Payments, Bankruptcy etc.).

Borrowers with multiple credit problems and CCJs would generally find it more challenging to get a mortgage, especially with more serious bad credit. When you apply for a mortgage with CCJs and bad credit, it is often best to get proper advice from a qualified bad credit mortgage specialist.

In order of seriousness, this is how bad credit will affect your mortgage with CCJs:

  1. Missed payments (e.g. credit cards, telecoms or loans)
  2. Defaults
  3. IVAs (Individual Voluntary Arrangements)
  4. Mortgage arrears
  5. Bankruptcy

If you’re concerned about your credit history and credit score then you can seek advice or guidance from Citizens Advice or Step Change (National debt charity).

In reality, there are lots of mortgage lenders that accept CCJs and there can be far more options than many people think. Some of the top lenders that consider mortgages with CCJs are Barclays, Coventry Building Society, Halifax, HSBC, Nationwide, Natwest, Newcastle Building Society, Santander, Virgin Money, and Yorkshire Building Society.

There is no guarantee that Highstreet or mainstream lenders will offer you a mortgage with CCJs, it depends on your overall circumstances.

It can also be slightly overwhelming, because the research and comparing different options is often the key to getting the most competitive mortgage rates. With so many options available, it can be hard to know where to begin and how to improve your chances of getting a mortgage.

Credit problems such as CCJs can be common in the UK, especially in the current economic climate. There are also several specialist mortgage lenders that are better for people with more serious credit problems or more complicated credit histories, such as:

Each lender will have their own policies related to mortgages for people with CCJs and defaults, so it is still a good idea to compare policies across lenders.

A CCJ will affect your mortgage application in several ways and can often cause further financial questions or checks. It can be difficult to go through a mortgage application with CCJs and other credit problems, however you can save time and money by speaking to a mortgage specialist.

Being in any form of debt can be very stressful, especially if court proceedings have been involved. It can still be an area of concern years later, as any court judgements will have an impact on your credit history for up to 6 years.

There are a range of mortgage providers operating in the UK currently, that specialise in providing loans to people with credit problems. This means that even if you may struggle to get a mortgage through Highstreet lenders, there will still usually be a provider willing to loan to you.

When it comes to applying for a mortgage with CCJs, defaults and other types of bad credit, the further in the past they were issued the better. If it has been more than 2 years since receiving the CCJ, it will usually be easier to get a mortgage than if it was issued more recently.

A lender will generally be more willing to overlook debt or credit issues if several years have passed and you can evidence you are now financially stable. Mortgage lenders will also look a lot more favourable to lenders if the CCJ has already been ‘satisfied’ (repaid in full) before your application is submitted.

Of course, there will be lenders willing to provide mortgages to people with CCJs even if they are still repaying. It just may be that the choice of lenders available will be more limited

Multiple CCJs can cause more complications when applying for a mortgage, especially for larger debts (Over £2,500) and unsettled CCJs. Lenders will look on two or more CCJs less favourably because it can indicate additional risk or a history of bad credit worthiness.

Generally a mortgage lender considers two or more CCJs to indicate that there have been multiple issues where payments have been defaulted in the past. This may make some lenders more wary in case you cannot keep up with your mortgage repayments and default on those as well.

There are ways to improve your chances of getting a mortgage if you have more than one CCJ on file. The first way is by saving a larger deposit than normally required if possible. This can indicate more financial responsibility to the lender and means the amount you need to request for the loan will be lower.

It is also wise to avoid accumulating any further debts before applying for a mortgage. This means either avoiding borrowing where possible or ensuring all bills are paid promptly.

Mortgages with CCJs are fairly common and it is rare for a CCJ alone to prevent you from getting a mortgage. Usually, there would be other issues that can cause further complications and ultimately cause a lender to refuse your mortgage.

Every mortgage borrower will have different financial circumstances, credit scores, affordability, and amount of deposit or equity. Mortgage lenders will assess whether to offer you a mortgage on a case by case basis. This also applies to people with elements of debt or bad credit history.

Defaults or CCJs can put off some mortgage lenders, but there will usually be one or more lenders willing to consider previous bad credit. This is providing that you can show you have enough income and stability evidencing that you are unlikely to default on the new mortgage repayments.

A specialist lender will often be a better choice than a high street lender for mortgages with bad credit, which includes CCJs, defaults etc

There are also specialist mortgage brokers like us, who specialise in helping people with CCJs and other debt or bad credit to find a mortgage. Speak to our team if you need advice on how your CCJ may affect your loan and which lenders may be best for your situation.

Note: It’s a good idea to regularly check your credit report/credit record on websites or apps like ClearScore or Credit Karma. By addressing any issues and working to improve your credit score, you can increase your chances of qualifying for a mortgage. 

With the need to borrow less capital, a shared ownership mortgage has become a popular choice in recent years. Shared ownership is a government scheme, applying to new build properties only.

With a shared ownership mortgage, the borrower will only buy a percentage share of the property with the landlord owning the rest and rent being paid on that portion.

A shared ownership mortgage can be a great option for people who may find it difficult to save enough deposit for a traditional mortgage.

There is no need to worry that a CCJ will affect the ability to secure this type of loan. A shared ownership mortgage can still be accessible, even with a poor credit history.

If wanting a shared ownership mortgage but concerned your CCJ may affect this, speak to a mortgage broker or specialist. Specialist mortgage advisers such as us will be able to help you. There are several mortgage providers that cater to those with bad credit – and we have a partnership with many of these great lenders.

Getting a joint mortgage with CCJs can be frustrating, and it can be a stressful time for a couple who are trying to get a new mortgage. It’s often difficult if one of the mortgage applicants has good credit and the other applicant has a CCJ, because the mortgage will be assessed on the basis of any bad credit.

It’s important to be upfront with your partner and then manage the mortgage application between you to get the best mortgage rates and deals. Lots of couples have issues with bad credit and it’s usually slightly easier because the mortgage lender will use both applicants income and affordability.

If one applicant has a CCJ on their credit file, this can cause some concern that you won’t be able to get a joint mortgage. As we’ve said earlier in this guide, there are usually more options than people think for mortgages with CCJs, and especially for joint mortgages.

Even with a single mortgage application, CCJs can be overlooked with some lenders. This means that a joint mortgage where one partner has significantly better credit should be even easier to get a good mortgage deal or rate.

Of course, lenders will assess both applicant’s incomes and how they score based on their affordability criteria. Having someone else on the application with better credit can be beneficial in a lot of cases.

It can be more complicated if both applicants have CCJs on file. In this instance, your best option will be to go to a more specialist lender. They will have dealt with many borrowers with poor credit and be best equipped to offer you a loan with reasonable rates.

Here are some possible outcomes for joint mortgages with CCJs:

Mortgage Applicant OneMortgage Applicant TwoMortgage OptionsMortgage Rates (Compared to Std.)
Income: Higher
Income: Lower
CCJ: Yes
GoodAverage or slightly higher
Income: Higher
CCJ: Yes
Income: Lower
Below Average1% to 2% higher
Income: Lower
Income: Higher
ExcellentLowest rates and deals
Income: Lower
CCJ: Yes
Income: Lower
CCJ: Yes
LowSpecialist mortgage lenders

The table above shows the different combinations that are possible for joint mortgages with CCJs and how it can affect your mortgage application.

Our team of fully qualified mortgage experts has nearly 30 years of experience and expertise in helping people with CCJs and other bad credit to get the right mortgage deals.

It’s our mission to help families all over the UK to get the best mortgage deals to fit their needs and their satiation. Mortgages with CCJs can be stressful and applying to the wrong mortgage broker can cause your mortgage to be refused which causes extra stress to you and your family.

Speak to one of our qualified mortgage team if you need advice about mortgages with CCJs and you want to get your mortgage sorted. We promise that we’ll help you to find you the best mortgage lender, even with a less than perfect credit history. As trusted brokers authorised and regulated by the Financial Conduct Authority, you know you can rely on us.