Mortgages with a CCJ

Get started
illustration of CCJ

CAN I GET A MORTGAGE WITH A CCJ?

Yes, you can. It’s a case of finding the right specialist mortgage broker who can help you understand your options, and find you the right specialist lender.

If you’ve got a CCJ (County Court Judgement) on your credit file applying for a mortgage can be daunting. But some lenders will consider and accept you. Usually, as long as your CCJ is satisfied – meaning that it’s been paid in full – lenders will offer you a mortgage, but there are some lenders who might consider you even if the repayment on a CCJ is partially outstanding. 

Getting approved with a CCJ will depend on a few things:

How Recent the CCJ Is
The more recent a CCJ is, the bigger the impact that it will usually have on a mortgage application. For example, if the CCJ was served more than three years ago, the impact on a lender’s decision may be less than if it was served more recently. 

The Number of CCJs on Your Credit File
Multiple CCJs will have a bigger impact on your ability to secure a mortgage than a single one, with the majority of lenders not wanting to see more than two in place within the last two years. 

The Value of the CCJ
The lower the value of the CCJ, the less of an impact it is likely to have on your application, however, how much this affects the loan-to-value LTV ratio differs between lenders. 

The CCJ Being Satisfied
Whether or not a CCJ has been satisfied (repaid in full), as well as when this happened, can impact a lender’s decision, and when this has happened, it typically means that deals will be available from a higher number of lenders. 

The Value of Your Deposit
Having a higher deposit is likely to increase your chances of being approved for a mortgage with a CCJ, and open up your options, as you pose less of a risk.

Additional Bad Credit Issues
A CCJ is not the only bad credit issue that you may have, and having multiple marks on your credit file may impact a lender’s decision.

These may simply be late or missed payments or more severe issues such as bankruptcy, a debt management plan, an IVA, or a previous repossession.

Our calculators

Bad Credit Calculator

See how bad credit issues affect how much you can borrow on a mortgage by using our bad credit calculator.

Illustration of bad-credit-calculator-col-1602369160.svg

What is a CCJ?

How long does a CCJ last on your credit file?

How does a CCJ impact your mortgage application?

Why use Haysto?

We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.

Read our story
haysto

We help when others won’t

Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.

haysto

Speak to a real person

No robots, no automated answers. We use technology to connect you to a real person. Not replace them.

haysto

Your success is our success

Our platform connects you to the perfect specialist broker for free. We only get paid when your mortgage is approved.

SAY HELLO TO YOUR SPECIALIST BROKER

Using our platform guarantees you’ll be matched with an expert who has a proven track record of making mortgages possible for people like you. Less processing, more understanding.

Image of mortgage broker Ben Patten

Ben Patten

View bio
Image of mortgage broker Luke Grosse

Luke Grosse

View bio
Image of mortgage broker Sarah Earnshaw

Sarah Earnshaw

View bio
Image of mortgage broker Yogesh Parekh

Yogesh Parekh

View bio
Image of mortgage broker Jemma Talliss

Jemma Talliss

View bio
Image of mortgage broker Paul Clark

Paul Clark

View bio
Image of mortgage broker Lynn Cutts

Lynn Cutts

View bio
Image of mortgage broker Steve Hatton

Steve Hatton

View bio
Image of mortgage broker Jeanette Clark

Jeanette Clark

View bio
Image of mortgage broker Carrie Knight

Carrie Knight

View bio
Image of mortgage broker Jonathan Hunting

Jonathan Hunting

View bio
review io logo review io 5 stars

Get connected to a specialist CCJ mortgage broker who can make a mortgage possible for you.

Haven't we met before?