Can I Get a Mortgage If I Have a CCJ?

If you have bad credit, you might believe that you aren’t able to get a mortgage. However, with the large panel of lenders available, some who specialises in different areas, you may still be able to get a mortgage with a CCJ or bad credit history.

What is a CCJ?

A CCJ stands for a County Court Judgement and it is a court order registered against you for failing to make an agreement to a company or an individual. A CCJ can be very detrimental to your name, especially when it comes to opening bank accounts or applying for credit cards and mortgages.

Can you get a mortgage with a CCJ?

Yes, it is possible to secure a mortgage when you have a CCJ on your credit file however there is a number of factors to take into consideration.

  • How recent the CCJ was – it will be on your credit file for six years and usually, the older it is, the more mortgage lender options you’re likely to have.
  • Marked as satisfied – if you have settled the outstanding charge then the CCJ has been resolved, more lenders may be available as you have paid your outstanding debt.
  • How much the CCJ was – if it was quite a large amount, it can affect the loan to value ratio and lenders are less likely to take the risk.
  • Having multiple CCJs represent a history of late or missed payments which will limit your mortgage options
  • The deposit you need to put down to secure your potential house may vary due to the type of CCJ you have or the age of it.

The type of lender that would consider those with a CCJ tend to be specialist lenders and would likely set a higher interest rate and/or request a larger deposit than standard mortgage available to clients who have good credit. With all this in mind, there is no guarantee that a lender would approve your mortgage application if you have a CCJ on your credit file.

How do I know if I have a CCJ?

If you have been experiencing credit issues and you’re unsure why you may have a CCJ that you were unaware of. You may be unaware of this as you may have moved addresses and missed the notice.

To be certain, you can check the Register of Judgement, Orders and Fines and perform a CCJ check against your name.

However, it might be worth checking your credit report beforehand and seeing if there is anything that is appearing on there. We recommend using Check My File, you can receive a 30 day trial.

How does someone get a CCJ?

A CCJ isn’t something that you would receive if you missed a mobile phone payment of £10 once and you paid it within the next couple of days for example.

A CCJ is when someone takes court action against you, saying that you owe them money.

You must respond to the court claim by the date on the email or letter you receive. If you do receive a judgement, it means that the court has formally decided that you owe the money and will state how much you owe, how to pay, the deadline for paying and who to pay it to.

You can learn more about a County Court Judgement through the official Gov.UK.

* will take you through to a separate website which Amplo Mortgages and Financial Solutions have no responsibility for the content and links on that website.

How can a mortgage broker help to get a mortgage when you have a CCJ?

A mortgage broker like us are highly knowledgeable and has access to a large panel of lenders. With knowledge of which lenders to approach, your chances of getting a mortgage is increased as we know where to go.

Whereas, if you were to do this yourself and complete full applications with separate lenders, submitting multiple applications may be seen as you’re desperate for credit.

If you would like to speak to our team about your mortgage requirements, don’t hesitate to get in touch with us. Call us on 01270 443510 or complete our enquiry form and we’ll be in touch whenever is best for you.