First Time Buyer Mortgage With Missed Payments UK

First time buyers with missed payments can still get a mortgage. Specialist lenders assess your full picture. Darryl Dhoffer — FCA 301173.

Can I get a mortgage with a CCJ in the UK?

Yes. A CCJ does not automatically prevent you from getting a mortgage in the UK. The key factors are how old the CCJ is, the amount, and whether it has been satisfied (paid off). Many specialist lenders will consider CCJs that are 12 months or older, and after 3 years your options increase significantly. Darryl Dhoffer specialises in CCJ mortgages and knows exactly which lenders will consider your specific situation.

How old does a CCJ need to be to get a mortgage?

Some specialist lenders will consider CCJs from as recent as 12 months ago. After 2-3 years, more options become available. After 6 years the CCJ drops off your credit file entirely. The key factor alongside age is whether the CCJ has been satisfied — a paid-off CCJ is viewed much more favourably than an outstanding one.

Do I need to pay off my CCJ before getting a mortgage?

Not necessarily, but satisfying your CCJ significantly improves your options. Some lenders require satisfaction before they will lend; others will consider unsatisfied CCJs depending on the age and amount. Darryl will advise on whether settling your CCJ before applying makes financial sense for your specific situation.

What deposit do I need for a CCJ mortgage?

Most specialist CCJ lenders want at least 10-15% deposit, though this depends heavily on the age and amount of the CCJ. With a 25% deposit your options improve significantly. Darryl has secured CCJ mortgages with smaller deposits in cases where the CCJ is old, small or satisfied.

Will a CCJ mortgage cost me more?

CCJ mortgages typically carry slightly higher interest rates reflecting the lender's perception of risk. However, the difference is often smaller than people expect — and as your credit improves and the CCJ ages, you can remortgage onto better rates. Darryl will show you the best available rate for your CCJ situation and create a plan for future improvement.

🏠 First Time Buyer · Missed Payments · Solutions Available

First Time Buyer Mortgage With Missed Payments — Yes It Is Possible

Placement difficulty Easiest to place

Very high chance of finding a solution

Darryl Dhoffer

CeMAP · CeRER · FCA 301173 · ⭐ 47 Reviews

"I specialise in exactly this. Free assessment — no credit search, no obligation. I respond within 2 hours."

Being a first time buyer with missed payments is more common than you might think. The good news is that being a first time buyer is viewed positively by many lenders — you have no previous mortgage history to worry about.

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🏦 What Lenders Look At

How old the missed payments are
Whether the missed payments have been cleared
Whether they escalated to defaults or CCJs
Your current income stability
Your deposit — shared ownership may be available

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No credit search · No obligation · FCA No. 301173

🧮 Check What You Could Borrow — Free

No credit search at this stage

Annual income (or joint income)

Deposit or equity available

Credit situation

First time buyer with missed payments — this is very commonly solved

This is very likely solvable — WhatsApp me now and I will tell you exactly where you stand.

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❓ Common Questions

Can a first time buyer with bad credit use Shared Ownership?

Shared Ownership remains available to first time buyers in England and may be accessible with mild adverse credit though criteria vary by housing association.

What deposit do I need as a first time buyer with missed payments?

A 10% deposit is the minimum most specialist lenders require. 15-25% opens significantly more lenders and better rates.

The Mortgage Geezer is a trading style of Access Financial Services Limited, authorised and regulated by the Financial Conduct Authority — FCA No. 301173. Registered in England No. 04427489.

Your home may be repossessed if you do not keep up repayments on your mortgage.

This page is for general information only and does not constitute regulated financial advice. Individual circumstances vary. Lender criteria are subject to change without notice.