CCJ Mortgage — How Long Do You Need to Wait?
There is no legal minimum waiting period to apply for a mortgage after a CCJ. You can apply with a CCJ registered yesterday — though your options will be more limited. Every 12 months that passes makes your options significantly better.
🏦 What Lenders Look At
- The age of the CCJ — lenders often use 1, 2 and 3 year thresholds
- Whether the CCJ is satisfied
- The size of your deposit
- Your full credit profile since the CCJ
- Evidence of financial stability since the CCJ
❓ Common Questions
When does a CCJ drop off my credit file?
A CCJ is removed exactly 6 years from the date it was registered regardless of whether it has been satisfied.
Does satisfying a CCJ reset the clock?
No. The 6-year clock runs from the date the CCJ was registered not the date it was satisfied. However satisfying a CCJ does improve your mortgage options immediately.
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.