Yes — but you’ll need the right lender and the right guidance.
Having either a County Court Judgment (CCJ) or a default can make getting a mortgage more challenging. Having both? That can make it feel impossible — but it’s not.
Specialist lenders look at the overall picture, not just the credit blips. Here’s what to expect if you’ve got both on your file.
⚖️ CCJs and Defaults: What’s the Difference?
- Default: You missed payments, and the lender closed the account
- CCJ: You failed to repay, and the court got involved
Both stay on your credit file for 6 years — and both signal financial difficulty. But lenders also want to know how recent they are, whether they’re settled, and how you’ve handled things since.
🏠 Can You Still Get a Mortgage?
Yes — especially if:
- The CCJ and default are older than 12–24 months
- They’re for small amounts
- One or both are satisfied (paid off)
- You’ve maintained a clean record since
It’ll narrow your lender options — but not eliminate them.
🧠 What Do Lenders Look At?
✅ Date of each issue (older = better)
✅ If they’re settled or outstanding
✅ The number of adverse records
✅ Your current income and outgoings
✅ The size of your deposit (more = less risk)
💡 Some lenders will accept recent CCJs/defaults — but usually only with a bigger deposit or higher rates.
💷 What Helps Your Case?
✅ A deposit of 15–30%+
✅ No other adverse credit since
✅ Clear explanations for the issues (e.g. redundancy, illness)
✅ A broker who knows non-high street lenders that don’t auto-reject
💬 Get Help From a Broker Who Specialises in Complex Credit
You’re not alone. Many people have bumps in the road — and there are lenders who take a fair view. I’ll help you find the right ones and build a solid application around your circumstances.
✅ Advice for complex credit scenarios
✅ Specialist lender access
✅ Honest guidance and no false promises