Mortgages with CCJ.

If you have a County Court Judgment, also known as a CCJ, you may still have mortgage options. The outcome depends on the date, amount, satisfaction status, number of CCJs, deposit and overall affordability.

[ WHAT THEY CONSIDER ]

  • Date the CCJ was registered

  • CCJ amount

  • Whether the CCJ is satisfied

  • Date of satisfaction

  • Number of CCJs

  • Other adverse credit

  • Deposit size

  • Current credit conduct

  • Income and affordability

  • Explanation behind the CCJ

What is a CCJ?

  • A County Court Judgment is a court order confirming that money is owed.


  • It can appear on your credit file and may make mortgage applications more difficult.

    Some specialist lenders may still consider the case depending on the details.

Satisfied and unsatisfied CCJs

A satisfied CCJ means it has been paid or settled. Some lenders may require CCJs to be satisfied before application. Others may consider unsatisfied CCJs depending on value, date and loan-to-value.

How we help?

Mortgage Centre reviews the CCJ details, credit file, income, deposit and affordability before a lender approach is considered. This can help reduce the risk of unsuitable applications and avoidable declines.

[ FAQs ]

  1. Can I get a mortgage with a CCJ?

    Possibly. It depends on the CCJ date, amount, satisfaction status, deposit, affordability and lender criteria.

  2. Does a CCJ need to be satisfied before I apply?

    Some lenders require this, while others may consider unsatisfied CCJs in certain circumstances.

  3. Are recent CCJs harder?

    Yes. Recent CCJs are generally more difficult than older CCJs, especially if unsatisfied or high in value.

  4. Can you help if I am in Birmingham?

    Yes. We help clients across Birmingham, the West Midlands and the wider UK.

[ WHAT DO YOU NEED ]

Personal

Passport

Proof of address

Credit report

Income

Payslips & P60



SA302s & Accounts



Bank statements

Property

Memorandum of Sale

Estate agent details

Solicitor details

Your Questions, Answered

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[ GLOSSARY ]

  • HMO: House in Multiple Occupation

  • SPV: Special Purpose Vehicle

  • IVA: Individual Voluntary Arrangement

  • DMP: Debt Management Plan

  • CCJ: County Court Judgment

[ DISCLAIMER ]

Your home may be repossessed if you do not keep up repayments on your mortgage.