Mortgage Lenders That Accept CCJs
Lender criteria last reviewed: September 2026
Which CCJ mortgage lenders should you consider? The main CCJ mortgage lenders are Bluestone Mortgages, Pepper Money, Vida Homeloans, Aldermore, Kensington and Buckinghamshire Building Society — all consider applicants with CCJs. Criteria differ meaningfully: Vida will consider a CCJ from 3 months old, Pepper Money and Kensington from 6 months, and Bluestone accepts up to 4 CCJs within the last 3 years. Most cap total outstanding CCJ value at £1,000–£2,500 if unsatisfied.
Published CCJ criteria by lender
| Lender & product | CCJ criteria | Max LTV |
|---|---|---|
| Pepper Money – Pepper6 | No CCJs in the last 6 months | 80% |
| Pepper Money – Pepper12/24 | None in 12 or 24 months | 85% |
| Pepper Money – Pepper36/48 | None in 36 or 48 months | 90% |
| Kensington – Resi 6 | 0 CCJs in 6 months; 1 in 24 months up to £1,000 | Not published |
| Kensington – Select | 36 months clear (72 months if above 90% LTV) | Not published |
| Aldermore – Level 1 | 0 CCJs in 36 months | 95% |
| Aldermore – Level 4 | 4 CCJs in 36 months, 1 in the last 6 | 90% |
| Bluestone – Clear | None in 36 months. Underwritten manually, does not credit score | 85% |
| Vida | Product name (Vida 36/24/6) indicates months clear required | 90%+ needs no current unsecured arrears |
Pepper Money ignores up to two defaults/CCJs of £200 or less on most products, limited to utilities, communications and mail order. Kensington disregards combined utility items up to £250. Aldermore allows combined CCJs and defaults up to £300 per application. Bluestone and Vida both disregard telecoms and utility items under £500. A forgotten mobile phone judgment can move a case up an entire tier.
Criteria correct as at 18 August 2026, drawn from published lender intermediary criteria and product guides. Lender criteria change without notice and Darryl confirms live criteria for every case before any application.
/div>Does the CCJ need to be satisfied?
Not always. Several lenders accept unsatisfied CCJs where the total value is modest — commonly under £1,000 to £2,500. Satisfying the CCJ widens the panel and improves the rate offered. If you can pay it in full within 30 days of it being issued, it is cancelled and removed from the public register entirely.
How much deposit will you need?
For a satisfied CCJ under 12 months old, expect 20–25%. Satisfied and 12–24 months old typically needs 15–20%. Past 24–36 months, 10–15% becomes achievable. Unsatisfied CCJs generally require more at every stage.
Do any high street lenders accept CCJs?
Some will consider small, old, satisfied CCJs — particularly under £500 and over three years old — but their automated scoring usually declines before a human sees the case. The realistic route is a specialist lender who underwrites manually.
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.
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.
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Lender criteria, rates and deposit requirements quoted on this page are indicative and subject to change without notice. Individual circumstances vary. This page provides 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. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT.