Can I Get a Mortgage With a CCJ on My Credit File?
Can you get a mortgage with a CCJ? Yes. A CCJ does not prevent you getting a mortgage in the UK. High street banks usually decline automatically, but specialist lenders assess CCJs individually — looking at the age, the amount, and whether it is satisfied. Some lenders consider CCJs from 3 months old; most from 6 months. A CCJ paid in full within 30 days of being issued is removed from the register entirely.
The short answer is yes. Having a CCJ on your credit file does not automatically prevent you from getting a mortgage. High street banks use automated scoring that may auto-decline your application but there is a dedicated market of specialist mortgage lenders who assess CCJ cases individually.
🏦 What Lenders Look At
- Age of the CCJ
- Amount of the CCJ
- Whether the CCJ is satisfied or unsatisfied
- Whether there are multiple CCJs or other adverse credit
- Deposit size, income and overall affordability
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Why did my bank decline me if I can still get a mortgage?
High street banks use automated credit scoring that auto-declines applications where a CCJ appears within a set period. Specialist lenders take a different approach and look at the full picture.
How do I find out if I have a CCJ?
Check the Register of Judgments at trustonline.org.uk or your credit report via Experian, Equifax, TransUnion or Checkmyfile.
Can a CCJ be removed from my credit file early?
If you pay the CCJ in full within one month of it being registered you can apply to have it cancelled and removed. After one month it stays for 6 years even if paid.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT.
This page is for general information only and does not constitute regulated financial advice. The Mortgage Geezer is a trading style of Access Financial Services Ltd who are authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 301173. Registered in England No. 04427489. Registered office address Access Financial Services Ltd, Unit 1 Furtho Court, Towcester Road, Old Stratford, Milton Keynes, MK19 6AN.