Can I Get a Mortgage with a CCJ?
Yes, you can get a mortgage with a CCJ (County Court Judgement).
Many specialist lenders will consider applications from borrowers with CCJs, though terms depend on factors like the CCJ amount, age, whether it's satisfied, and your overall credit profile. Satisfied CCJs over 3 years old have the least impact, while recent or large unsatisfied CCJs may require larger deposits or attract higher rates.
Your home may be repossessed if you do not keep up repayments on your mortgage. Your Home Finance Ltd is authorised and regulated by the Financial Conduct Authority (FCA 989177).
Key Points
- 1Satisfied CCJs are viewed more favourably than unsatisfied ones
- 2The older the CCJ, the better your mortgage options become
- 3CCJs under £500 may be disregarded by some lenders
- 4You'll typically need a deposit of 15-25% with recent CCJs
- 5Multiple CCJs will limit your options more than a single one
- 6Some lenders require CCJs to be satisfied before application
Eligibility Criteria
- CCJ registered more than 12 months ago (ideally 2+ years)
- CCJ amount under £5,000 for most specialist lenders
- Minimum 10-15% deposit (higher for recent/large CCJs)
- Stable income with affordability evidence
- No ongoing payment defaults
Typical Timeframe
A satisfied CCJ stays on your credit file for 6 years from the date of judgement. After 6 years, it's removed automatically. Most lenders are more flexible once a CCJ is 2-3 years old and satisfied.
Next Steps
- 1Check your credit report to confirm CCJ details and status
- 2Satisfy any outstanding CCJs if possible before applying
- 3Gather proof of income and deposit funds
- 4Speak to a specialist mortgage broker who works with adverse credit lenders
- 5Get a Decision in Principle to understand your options
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Related Questions
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Bad Credit MortgagesContent reviewed: 13 January 2026