Mortgage with CCJ

You could still take out a mortgage even if you’ve had a CCJ

If you have a registered or settled County Court Judgement (CCJ), there are still mortgages available. As CCJs are issued when you haven’t paid money you owe, this can impact you taking out a mortgage. At Clever Mortgages we work with lenders that could accept your application.

  • Up to 95% mortgages for CCJs registered over three years
  • No need to wait 6 years for your CCJ to fall off your credit report
  • The CCJ does not always need to be repaid
  • Can still be considered for Help-to-Buy, Right-to-Buy and Shared Ownership

A County Court Judgement (CCJ) is a court order that creditors can apply for against you if you don’t repay money owed. If the courts issue the CCJ, this means they agree with your creditor and will order you to pay the money back. You’ll usually have fair warning of this happening through a court summons and a CCJ will usually follow late payment notices and a default letter.

If you pay the full amount owed within one month of the CCJ being issued, it shouldn’t be recorded however if you fail to do this and your CCJ is recorded, it’ll stay on the register for 6 years.

Having a CCJ can be stressful and many people believe that this will totally prevent them from accessing credit, like a mortgage- but that isn’t always the case. Highstreet lenders rarely look favourably on credit issues like a CCJ, but there are plenty of specialist lenders who take your current financial situation into account, taking a more open approach and considering all factors. Our brokers have access to these lenders, meaning they could help you find a mortgage even after a CCJ.

Factors to consider:

Specialist lenders will look more towards your circumstances and consider:

Is the CCJ satisfied?

Getting a mortgage with a satisfied CCJ will be far easier, but this doesn’t define your chances. If you’re still in a CCJ lenders will look at:

How long ago was it

Specialist lenders will prioritise how recent the CCJ was when considering you for a mortgage. Many require that any CCJ was settled within the last 12 months. However, the more time since the CCJ was registered, the higher your chances are of getting a mortgage.

The amount of the CCJ

The size of the CCJ is typically less important to the lender than the date of registration; however, it is still taken into consideration. If the CCJ is over 3 years old then any value is usually considered. However, if the CCJ is within 2 years old then it is typically limited to around £2,500 and if it’s within the last year a maximum of £1,000.

There are steps you can take to help increase your chances of getting a mortgage with, or after a CCJ.

Keep up repayments:

Make sure you keep up all credit and CCJ repayments. Missing payments can impact your credit score further and could risk your creditor taking further action. Keeping up your repayments can help show potential lenders that you can be a responsible borrower and over time will help repair your credit score.

Avoid multiple credit applications:

If you’re looking for a mortgage with a CCJ, you might struggle to find a mainstream lender that will accept your application and making several failed applications in a short space of time can impact your credit report.

Going through a specialist bad credit broker like Clever Mortgages can help you find lenders that are likely to accept your application, sometimes accessing better rates and deals through the specialist lenders we work with.

Close old accounts:

If you’ve got any old credit accounts that you’re not using, make sure you close them. Having many open accounts can negatively impact your credit score, so closing unused ones can help boost your score.


Like with all credit agreements repayment ability is a big factor. Having stable employment, or consistent employment in the same field helps boost your application and make you a more attractive borrower.

Keep track of your credit report:

Whilst Clever Mortgages can run a credit report for you, there are three main credit reference agencies in the UK, Experian, Equifax and TransUnion. You can view your credit report online using these agencies. Your credit report shows you what lenders can see when they’re considering you for credit, and keeping track of your report can help you better understand your credit and what influences it.

Save up a large deposit:

Whilst it might be difficult at the time of experiencing a CCJ. As with most bad credit circumstances, a large deposit vastly increases your chances of getting your mortgage application approved. With a large deposit, it means the amount you need to borrow is less, resulting in a lower LTV ratio. A lower LTV makes you a better prospect and less risky for a lender, meaning you’re more likely to get a better interest rate.

Unless paid within 30 days, a recorded CCJ will stay on your credit report for 6 years and can negatively impact your credit score. You’ll also need to take into account the late payment notices and default that would have occurred leading up to your CCJ which will appear on your credit report.

Late payments: a late payment recorded on your credit report will stay there for 6 years, however the impact it has on your score reduces with time.

Defaults: a default will also last 6 years from the date of default.

If you miss payments on your CCJ, further action can be taken against you. This could include:

  • Using bailiffs to take control of your belongings
  • Obtaining an ‘attachment of earnings order’, where the creditor takes deductions from your wages before you receive them
  • If your debt is a secured loan, the creditor could seek to repossess your property

It’s important to meet all repayments on a CCJ. If you can’t afford to pay it in full, you can usually agree on a monthly instalment plan with your creditor.

For free initial advice from our qualified mortgage brokers about a mortgage after an IVA, call 0800 197 0504 or click below to request a callback at a time to suit you.

Case Study

Securing a mortgage for one customer who’d previously been declined because of a CCJ

We help customers do just that. Our customer Mr Z was able to:

Take out a mortgage of almost £300,000 even though his wife had a CCJ and other previous defaults Secure a fixed rate of 1.73% for the initial 5 years Complete the purchase of his property in just one month

Mr Z wanted to buy a property but had previously been declined for a mortgage as his wife had bad credit, including a CCJ. At Clever Mortgages, we enabled him to:

Another reason why the couple’s previous mortgage application had been declined was because the new property was next door to the home of another family member.

Having access to so many products though meant we were able to secure a mortgage with a lender which was happy to offer them a mortgage despite the CCJ, previous defaults and the property’s proximity to another family home.

Completing the purchase within just one month was another factor which made this case so successful for the couple.

New Mortgage£297,000£1,006.271.73%5 year fixed rate32 years
New Mortgage£63,900£362.863.09% 2 year fixed rate20 years

No obligation advice on CCJ mortgages

6 Great reasons to choose Clever Mortgages

Specialists in bad credit

Every member of our team is trained in bad credit situations and know how to find the right solutions for customers – helping them get the mortgage that’ll get them back on track.

Over 100 lenders

The number and quality of lenders we work with means we have access to a diverse spectrum of best-rate deals. The lenders we use means we have all areas covered – even for those in particularly niche circumstances.

Not every case is the same

As each customer’s situation is unique, we take the time to understand your situation, and we carefully assess your goals and how we’ll make sure the mortgage we get helps you to achieve them.

Access To Exclusive Rates

The relationship we have with our lenders means we have access to products and deals that simply aren’t available to customers going direct. This is true particularly for those in adverse credit situations.

Offering the best support

We know that buying or moving house and getting a mortgage is stressful, so we do our upmost to make the process as hassle-free as possible. We’re there for you at every step, always keeping you in the loop.

Excellent Reviews

We’re proud of our long-standing 5 Star Rating on Trust Pilot, and love all the positive feedback we get from customers every day. We feel privileged to help people get a great deal with far less stress.

Why use a mortgage broker?

Mortgage brokers can help you find the best deals on the market – not just from one lender. With a broker you’ll get:

  • Valuable knowledge, through years of experience helping customers to find mortgages
  • An improved chance at finding a mortgage, some mortgages are only available through a broker
  • Help with the application process, as usually just one application can be used across various lenders
  • Advice on how to improve your chances, for instance getting a guarantor or applying for a joint mortgage

About Clever Mortgages

We specialise in assessing an individual’s situation, and finding the right mortgage solution for them. We can help:

  • With remortgages, buy-to-let, and first-time buyers mortgages. We have experts who cover these areas
  • Even if you’ve got bad credit – we help people every day with a variety of credit histories to find the right mortgage
  • With applications, as we’ll take the hassle away. We require your details once and we’ll know the best lenders for your circumstance
  • Our team know the lenders that are most likely to say ‘yes’, and give you the best rates

What should I do next?

  • You enquire online with us today or request a call back
    Our simple form takes a couple of minutes to fill in, this gets the ball rolling
  • One of our experts will give you a call to find out more about your situation
    We have experts in remortgaging, who focus solely on helping customers save money
  • We do all the hard work for you
    We search the market for the trusted lender that’s right for you
  • Our expert will get back in touch
    We can guide you every step of the way, and we’ll always keep you up-to-date with progress
Meet the team

Ashleigh Bottomley

Ashleigh is one of our Front Line team ready to answer your mortgage questions.

Call us on: 0800 197 0504

Below are some of the lenders we work with