Mortgage Lenders That Accept CCJs
Which mortgage lenders accept CCJs? 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 | CCJ Criteria |
|---|---|
| Bluestone Mortgages | 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 |
| Aldermore | Will consider applicants with any CCJs over 6 months old |
| Kensington Mortgages | Any CCJ must be at least 6 months old |
| Buckinghamshire BS | CCJs 3–12 months old, up to maximum 70% LTV |
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.