Getting a Mortgage with CCJs

Getting a Mortgage with CCJs is obviously more of a challenge than if you have a clean credit file. A County Court Judgement (CCJ) occurs when somebody takes you to court claiming that money is owed. The judgment is usually granted when you fail to respond or fail to make any kind of agreeable payment.

You can get a mortgage for both residential and buy to let purposes if you have CCJs on your credit file.Getting a Mortgage with CCJs Mortgage Guardian

Whilst not impossible it is fairly unlikely that high street and mainstream mortgage lenders will consider you but depends on a range of factors. These types of mortgages are called bad credit or adverse credit mortgages. Specialist lenders thrive on providing mortgages to clients with CCJs. We work with both specialist and mainstream lenders every day to get you the best mortgage for your needs.

Avoid Getting a CCJ

You can avoid getting a CCJ if you pay the full amount within 30 days of the judgment being granted. If you do not, then the CCJ will stay on your credit file for 6 years.

Depending on circumstances it is not an impossibility in most instances to get a mortgage with CCJs on your credit file. It really depends on your circumstances!

How Long Ago Did You Get The CCJ?

If you have not been able to avoid getting a CCJ mortgage lenders are firstly going to be interested how long ago the judgment was made? Most mortgage lenders that accept CCJ’s which are less than 1-year-old will usually expect the CCJ to be at least older than 3 months before you can apply for a mortgage. Saying that there are still some lender options if the CCJ is less than 3 months old.

The longer the CCJ was awarded the better. This is crucial as the older the CCJ is the more lenders come into play. More lenders can usually mean more choice and perhaps being able to choose the lowest rates and better conditions.

Mortgage lenders vary depending on whether the CCJ is:

  • Less than 12 months’ old
  • Greater than 12 months’ old
  • Greater than 24 months’ old
  • Greater than 36 months’ old


What is the Amount of the CCJ?

The amount of the CCJ is very important as some lenders will ignore CCJs under a certain amount or if mobile phone contract related. Likewise, if over a certain amount some mortgage lenders will expect the CCJ to be older than 12, 24 or 36 months before they will lend.

The amount still outstanding will also be a factor when trying to obtain a mortgage.

Multiple Judgements

The more CCJs on your credit file the more difficult it will be to obtain a mortgage. You can still be considered for a mortgage but the lenders decision will depend on when the CCJs were issued, how much whether the CCJ has been settled, the amount

Has the CCJ Been Settled or Satisfied?

Lenders react differently to whether the CCJ has been satisfied or not. Some lenders will ignore the CCJ if it has been satisfied within a certain amount of time.

Providing us with a recent copy of your credit file is an essential part of the process and one that allows us to provide you with the best mortgage advice.

If the CCJ is not yet satisfied there are lenders who will still consider you.


The reason for the CCJ is important as some lenders will ignore communication CCJs for instance. Lenders will always want to know the background behind the CCJ.

Additional Reading

It is worth going onto the GOV.UK website

We have a page dedicated to Mortgage after Bankruptcy