🏆 Award-Winning UK Bad Credit Specialist · FCA No. 301173
Mortgage With CCJ UK Specialist Broker
The short answer
Can you get a mortgage with a CCJ in the UK? Yes. A CCJ and mortgage application aren't mutually exclusive — specialist lenders place CCJ cases every week. Deposit requirements depend mainly on how old the CCJ is and whether it is satisfied — typically 20–25% for a satisfied CCJ under 12 months old, falling to 10–15% once it is 24–36 months old. Lenders commonly cap total outstanding CCJ value at £1,000–£2,500.
✅ CCJs are straightforward — CCJs are one of the most commonly placed bad credit cases — most of my lender panel will consider you.
Darryl Dhoffer
CeMAP · CeRER · FCA 301173 · ⭐ 48 Reviews
"I specialise in exactly this. Free assessment — no credit search, no obligation. I respond within 2 hours."
Getting a mortgage with CCJ — what lenders actually look at
Applying for a mortgage with CCJ registered against you is far more common than people assume. Lenders assess four things: how long ago the CCJ was registered, the amount, whether it has been satisfied, and how your credit has behaved since. A mortgage with a CCJ under £1,000 that was satisfied two years ago is a straightforward case; a recent unsatisfied CCJ for £5,000 needs more careful placing. Both are placeable — they just go to different lenders.
A County Court Judgment does not have to stop you getting a mortgage. Darryl Dhoffer is the UK's award-winning CCJ mortgage specialist — he knows exactly which lenders will consider your situation and at what rates.
Being declined feels personal. It isn't — banks use computers. Darryl uses judgement.
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✍️ Author: Darryl Dhoffer, CeMAP · CeRER · FCA 301173
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🕐 12 min read
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📅 Updated 15 August 2026
CCJ Mortgages — What You Actually Need to Know
Banks and high street lenders often decline automatically when they see a CCJ. Specialist lenders don't. They look at the full picture — how old the CCJ is, the amount, whether it's satisfied, and the rest of your financial profile.
Darryl Dhoffer has arranged mortgages for clients with CCJs ranging from very recent to several years old, satisfied and unsatisfied, large and small. He knows exactly which of his 65+ lenders will consider each scenario and how to present your case to maximise your chances of approval at the best available rate.
The first step is a free, no-obligation assessment where Darryl reviews your full situation and gives you an honest picture of what's possible — before any application is made and before anything touches your credit file.
🏦 Which Lenders Accept CCJs? Real Criteria
This is exactly the kind of lender-matching Darryl does for every client — knowing which of his 65+ lenders will actually say yes to your specific situation, rather than applying speculatively and risking a search that goes nowhere. Criteria below reflects typical current specialist lender policy and is checked at the time of your assessment, since criteria can change.
| Lender |
CCJ Criteria |
| Bluestone Mortgages | Will accept a maximum of 4 CCJs within the last 3 years |
| Pepper Money | Any CCJ must be at least 6 months old |
| Vida Homeloans | CCJ must be at least 3 months old; no limit on number if over 6 months old |
| Aldermore | Will consider applicants with any CCJs over 6 months old |
| Kensington Mortgages | Any CCJ must be at least 6 months old |
| Buckinghamshire Building Society | Can consider CCJs 3–12 months old, up to a maximum 70% LTV |
Source: lender criteria as published, correct at time of writing. Lender policy changes regularly — Darryl confirms live criteria for every case before any application is submitted.
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📊 What Credit Score Do You Need With a CCJ?
There's no single "magic number" that guarantees approval — lenders weigh your credit score alongside income, deposit and employment. But knowing where you sit on each agency's scale helps set realistic expectations.
| Band |
Experian |
Equifax |
TransUnion |
| Excellent | 961–999 | 466–700 | 628–710 |
| Good | 881–960 | 420–465 | 604–627 |
| Fair | 721–880 | 380–419 | 566–603 |
| Poor | 561–720 | 280–379 | 551–565 |
| Very Poor | 0–561 | 0–279 | 0–550 |
A CCJ will typically place you in the Poor or Very Poor band on whichever agency reported it — but a below-average score with a CCJ doesn't mean automatic decline. Specialist lenders look past the headline number to the full picture. Not sure where you stand? Get your free Geezer Score for a personalised readiness check in 60 seconds, based on your actual situation rather than a generic score band.
Also dealing with a different credit issue?
💬 What Clients Say
★★★★★
"Excellent service from start to finish. Darryl was extremely responsive throughout, always replying quickly to questions and keeping me updated at every stage. His communication was clear and easy to understand, even with the more technical parts of the mortgage process. Darryl worked hard to find the right options for my situation and made the whole process feel straightforward and stress-free. Would definitely recommend him to anyone looking for a mortgage broker."
Fizz Solmon — Google Review
★★★★★
"Darryl was absolutely amazing from the first phone-call to the very quick mortgage offer! As first-time buyers who weren't even sure we could get a mortgage, this actually feels like nothing short of a miracle!"
Kate Dalton — First-Time Buyer
★★★★★
"Just when I had lost all hope, I found Darryl and within weeks my mortgage was approved. Given my bad credit history, I honestly didn't think any of this would be possible."
Tim Ellis — Bad Credit Mortgage
★★★★★
"After approaching Darryl with what I thought was going to be a tricky case, he immediately put my nerves at ease. Within a few weeks he had secured us a deal."
Hayley Beale — Complex Case
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❓ Frequently Asked Questions
Can I get a mortgage with a CCJ in the UK? ›
Yes — CCJs are one of the most common credit issues Darryl deals with, and there's a genuinely active specialist lending market for them. What matters is how many you have, how old they are, whether they're satisfied, and the total amount owed. Darryl has placed mortgages for clients with a single small satisfied CCJ and for clients with several unsatisfied CCJs on their file — the right lender exists for most situations.
Does a CCJ make it harder to get a mortgage? ›
Yes, genuinely — a CCJ is a court judgment confirming you failed to repay a debt, and mainstream high street lenders will almost always decline automatically once their system flags it. That's not the end of the story though. Specialist lenders manually assess the full picture — the amount, the age, whether it's satisfied — rather than issuing a blanket "no." This is exactly the kind of case Darryl places every week.
How old does a CCJ need to be to get a mortgage? ›
There's no fixed minimum age — Darryl has placed mortgages for clients with CCJs registered within the last 12 months. That said, your options genuinely improve with time: under 12 months, the panel is small and specialist; past 12 months, it widens; past 24–36 months, considerably more choice opens up. After 6 years, the CCJ drops off your file entirely and mainstream lending is back on the table.
Do I need to pay off my CCJ before getting a mortgage? ›
Not necessarily, though it genuinely helps. One thing worth knowing: if you pay a CCJ in full within 30 days of it being issued, it's cancelled and removed from the public register entirely — as if it never happened. Beyond that 30-day window, some lenders will still accept an unsatisfied CCJ, particularly if the total value is modest, while others require it settled first. Darryl will tell you which applies to your specific situation.
Are some CCJs worse than others? ›
Yes — value matters a lot here. Many specialist lenders cap the total outstanding CCJ value they'll accept, often somewhere between £1,000–£2,500, so a £300 CCJ and a £6,000 CCJ are very different conversations. Multiple CCJs from the same underlying issue (like one missed loan spiralling into court action) are generally viewed more sympathetically than several unrelated CCJs across different accounts.
What deposit do I need for a CCJ mortgage? ›
For a satisfied CCJ under 12 months old, expect to need around 20–25%. Once satisfied and 12–24 months old, that often drops to 15–20%. Past 24–36 months, 10–15% becomes achievable with the right lender. Unsatisfied CCJs typically need a higher deposit at every stage — sometimes 25–30%+ if very recent. Darryl will confirm exactly where you sit once he's seen your actual file.
Will a CCJ mortgage cost me more? ›
Usually, yes — specialist lenders price in the additional risk, so rates tend to sit above mainstream high street deals. How much more depends heavily on your specific CCJ profile and deposit size. The gap narrows significantly as the CCJ ages and if it's satisfied, and many clients remortgage onto a mainstream rate once enough time has passed and their credit has rebuilt.
How much can I borrow if I have a CCJ? ›
A CCJ doesn't directly reduce your borrowing amount — that's calculated from your income, outgoings and circumstances the same as any application. What the CCJ actually affects is which lenders will consider you and what deposit and rate they'll offer. Once matched to the right specialist lender, the amount you can borrow follows their standard affordability calculation.
Do only certain lenders accept CCJs? ›
Yes — there's a genuine specialist lending sector built around adverse credit including CCJs, and beyond that, many mainstream lenders also have their own specific CCJ policy for smaller, older, satisfied judgments. Darryl's role is matching your exact CCJ profile — amount, age, satisfied status — to the lender whose criteria genuinely fits, rather than applying speculatively and risking a search that goes nowhere.
What types of mortgages are available with a CCJ? ›
The full range — fixed or variable rate, repayment or interest-only, various terms. Having a CCJ narrows which lender will offer you a deal, not the type of deal available. The right structure depends on your CCJ profile and wider circumstances, which Darryl works through with you directly.
How can I improve my chances of getting a mortgage with a CCJ? ›
If you can settle it within 30 days of issue, it's removed from the register entirely — the single strongest thing you can do. Beyond that: keep everything else on your file completely clean going forward, since lenders want to see the CCJ as an isolated event, not part of an ongoing pattern. A bigger deposit helps meaningfully. And speak to a specialist broker before applying anywhere — an application to the wrong lender leaves a mark and can genuinely make the next attempt harder.
Can I get a mortgage if my partner has a CCJ? ›
Yes. A CCJ on your partner's file doesn't block a joint application outright, but it does mean the case is assessed on the full picture together — both incomes, and both credit histories. Some specialist lenders will lend based primarily on the stronger applicant's profile provided both parties are on the mortgage; others weigh both files equally. If only one of you has the CCJ, telling your broker upfront which of you it affects makes a real difference to which lender gets approached first.
Can I get Right to Buy with a CCJ? ›
Yes. Buying your council home through Right to Buy with a CCJ still registered is genuinely achievable — several specialist lenders will consider a Right to Buy application even where the CCJ isn't yet cleared. The discount you're entitled to under the scheme often works in your favour here too, since it effectively increases your deposit without you needing to save it separately.
Can I get shared ownership with a CCJ? ›
Yes. Shared ownership lenders assess a CCJ the same way as any specialist mortgage — by its age, amount and whether it's satisfied. Several lenders on Darryl's panel will consider shared ownership applications with a CCJ still on file, which matters given shared ownership is often the route people with a smaller deposit are exploring in the first place.
📋 What you'll need to apply
- Proof of ID — passport or driving licence
- Proof of address — recent utility bill or bank statement
- Proof of income — payslips, tax returns, or an accountant's reference if self-employed
- Full credit report — showing the CCJ and your wider credit history, ideally checked against all three agencies
- 3-6 months of bank statements — lenders manually underwriting a CCJ case look at these closely
📚 CCJs & Your Specific Situation
📚 More Guides & Situations (27)
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🔒 FCA No. 301173
⭐ 48 Five-Star Reviews