Mortgage With a CCJ From 3 to 5 Years Ago UK | Lenders

Mortgage With a CCJ From 3 to 5 Years Ago

Quick answer — Can I get a mortgage with a CCJ registered 4 years ago? Often yes. A CCJ stays on your file for up to six years, but its impact fades with age, and more lenders will consider one that is 3 to 5 years old, especially if it is paid. An unpaid CCJ still narrows your choice. Check criteria with a UK-wide specialist broker before you apply.

Updated 6 November 2026

Your Circumstances at a Glance

CCJ age	3 to 5 years since registered
Status	Paid is far easier than unpaid
Stays on file	Up to 6 years from the judgment date
Overall view	Good prospects with a specialist lender, and some mainstream lenders if it is paid.

Why Age Matters

Lenders weigh how recent a CCJ is. Many are happiest with one that is a year or more old, and the older it gets, the less weight it carries. By three to five years it is close to dropping off your file, which happens six years from the judgment date. See how long a CCJ affects a mortgage.

Paid or Unpaid

This is the biggest factor after age. Newspage research sponsored by TMG on 15 October found six of the UK's ten largest lenders (TSB, Barclays, HSBC, Virgin Money, Coventry and Accord) may consider a paid CCJ one year after registration. An unpaid CCJ narrows the field to specialist lenders. Criteria change, so confirm before you apply. See mortgages with a satisfied CCJ.

Which Lenders May Consider It

Specialist lenders assess the full picture rather than relying on automated scoring alone. TMG's lender notes include Kensington (does not credit score), Bluestone (manual underwriting) and Pepper Money. See lenders that accept CCJs and the most lenient lenders.

Other Factors

The amount, and whether there is more than one CCJ.
Your deposit. Some lenders consider 10% deposits.
Your payment history since the CCJ.
Your income and affordability.

What to Ask Any Broker

Are you FCA authorised? Check the FCA Register.
Which lenders suit my situation, and why?
What is your fee, and when is it payable? Is anything charged upfront?
Will you check criteria before any credit search?
Can I see reviews from clients with similar circumstances?

The Mortgage Geezer (Darryl Dhoffer, CeMAP and CeRER, FCA No. 301173) works UK-wide. There are no upfront fees: the only fee is £750 to £995, payable once your mortgage is agreed and offered. The initial assessment is free with no credit search. See who we are, 53 Google reviews rated 5.0, mortgages with a CCJ, how long to wait after a CCJ.

Frequently Asked Questions

Can I get a mortgage with a CCJ from 4 years ago? ›

Often yes. The older the CCJ, the more lenders will consider it, and a paid one is easier still. A specialist broker can check which lenders suit your case before you apply.

Will a 4-year-old CCJ stop me getting a mortgage? ›

Not necessarily. Lenders weigh age, amount, whether it is paid and your credit since. An older, paid, small CCJ is much easier to place than a recent unpaid one.

When does a CCJ drop off my credit file? ›

Six years from the date of the judgment, whether or not it has been paid. Paying it does not remove it but marks it as satisfied, unless it was paid within one month of the judgment.

Should I pay off an old CCJ before applying? ›

Usually yes if you can. A paid CCJ opens more lenders than an unpaid one. Ask a broker before paying, in case timing affects your application.

Can I get a mortgage with an unpaid CCJ from 4 years ago? ›

Possibly, with a specialist lender. Your choice is narrower than with a paid CCJ, and a bigger deposit may be needed. A broker can check before any credit search.

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Mortgage With a CCJ 3 to 5 Years Old