It’s not a deal-breaker — but you’ll need a specialist approach.
A County Court Judgment (CCJ) on your credit file can feel like a massive barrier to getting a mortgage. But the truth is: many people with CCJs still manage to buy homes — with the right advice and lender.
The key is understanding how lenders treat CCJs and what steps you can take to boost your chances.
⚖️ What Is a CCJ?
A CCJ is a court order issued when you fail to repay money you owe. It stays on your credit report for 6 years, even if you pay it off.
Lenders see CCJs as a sign of previous financial difficulty — but they’ll also look at the bigger picture.
🏠 Can You Get a Mortgage with a CCJ?
Yes — especially if:
- The CCJ is older than 12–24 months
- You’ve satisfied (paid off) the debt
- The amount is small (usually under £1,000)
- You have a larger deposit or a strong income
Some lenders accept unsatisfied CCJs, though it’s harder and may involve higher rates.
🧠 What Do Lenders Look At?
✅ How recent is the CCJ?
✅ Has it been paid?
✅ How many CCJs do you have?
✅ What’s your current credit behaviour like?
✅ Are there any other credit issues (missed payments, defaults)?
💷 How to Strengthen Your Application
✅ Save a bigger deposit (15–25%)
✅ Get a copy of your credit report
✅ Pay off the CCJ if you can (get it marked as ‘satisfied’)
✅ Avoid applying for new credit before your mortgage application
✅ Use a broker who knows CCJ-friendly lenders
💬 I’ll Help You Find a Lender Who Listens
A CCJ doesn’t mean homeownership is out of reach. I’ll help you explain your situation, find lenders that specialise in bad credit, and make your application as strong as possible.
✅ Tailored advice for applicants with CCJs
✅ Access to flexible, understanding lenders
✅ Guidance on improving your eligibility