CCJ Mortgage Information

Can you get a mortgage with a CCJ?

Yes. Having a CCJ will reduce the number of lenders that may consider an application, but it does not automatically prevent you from getting a mortgage. Outcomes usually depend on factors such as when the CCJ was registered, the amount involved, whether it has been settled, and your wider credit profile.

Mortgage Bridge provides clear information to help you understand how CCJs are commonly viewed by lenders. Where appropriate, we can introduce you to an FCA-regulated mortgage adviser who can review your circumstances and provide regulated advice.

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How lenders typically assess CCJs

While each lender sets its own criteria, CCJs are usually reviewed across several key areas.

1. How old the CCJ is

The age of the CCJ is often one of the most important considerations.

• Under 12 months old: Fewer lenders, but not always ruled out

• 12 to 24 months old: Broader range of specialist lenders

• Over 3 years old: Often viewed as less severe

• Over 6 years old: Usually drops off your credit file

2. Whether the CCJ is settled

Settlement status can affect lender appetite.

• Settled within 3 months: Sometimes viewed more favourably

• Settled after 3 months: Still acceptable to many specialist lenders

• Unsettled CCJs: More limited options, depending on age and amount

3. The CCJ amount

Lower value CCJs are generally easier for lenders to work with.

• Under £500: Often less of a concern, especially if settled

• £500 to £2,500: Possible with specialist lenders

• Over £2,500: Fewer options unless older or settled

4. Number of CCJs

More than one CCJ does not automatically prevent an application, but options reduce as the number increases.

5. Current financial position

Lenders usually also review:

• Recent bank statements

• Existing debt commitments

• Affordability

• Any missed payments in the last 12 months

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Can you get a mortgage with a recent CCJ?

Yes. Some lenders will consider CCJs registered within the last 12 months, although this often comes with:

• Higher deposit requirements

• Higher interest rates

• A focus on specialist lenders only

Recent CCJs are usually assessed alongside the strength of the rest of the case, including income stability and recent bank conduct.

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Deposit requirements with a CCJ

Deposit expectations vary based on the age and size of the CCJ, as well as the wider credit profile.

General guidance only:

• CCJ within 12 months: Around 15% to 30%

• CCJ older than 12 months: Around 10% to 20%

• CCJ older than 3 years: From around 5% to 15%, depending on circumstances

Where CCJs sit alongside other credit issues such as defaults or arrears, lenders will usually look at the full picture rather than any single issue.

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Improving your chances before applying

Some practical steps that may help include:

• Checking your full credit report across all agencies

• Settling smaller CCJs where possible

• Avoiding new missed or late payments

• Keeping recent bank statements clean

• Reducing unnecessary outgoings where possible

Different lenders place weight on different factors, which is why understanding criteria in advance can be important.

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How Mortgage Bridge supports you

Mortgage Bridge provides information to help you understand how CCJs are commonly assessed by lenders and what factors may affect your options. We do not provide mortgage advice or recommend lenders.

Where appropriate, we can introduce you to an FCA-regulated mortgage adviser who can review your full circumstances, assess affordability, and provide regulated advice tailored to your situation.

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When it may be worth speaking to a mortgage adviser

You may benefit from speaking to an adviser if:

• Your CCJ is under 6 years old

• You have more than one CCJ

• The CCJ is recent or unsettled

• You have CCJs alongside defaults or arrears

• You are unsure what deposit may be required

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Common questions

Will a settled CCJ improve my chances?
Often yes. Many lenders prefer CCJs to be settled, even if paid recently.

Does a CCJ automatically stop me getting a mortgage?
No. It can limit lender choice, but it does not automatically prevent an application.

Will I need a larger deposit?
In many cases, yes, particularly where the CCJ is recent.

Can I apply with more than one CCJ?
Possibly, depending on dates, amounts, and overall credit profile.

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Next steps

If you have a CCJ and want a clearer understanding of how it may affect your mortgage options, Mortgage Bridge can provide information and, where appropriate, introduce you to an FCA-regulated mortgage adviser.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

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