Mortgage While on Sick Leave UK — Your Options

Can you get a mortgage while on sick leave? In many cases yes — it depends on your income and expected return date. Darryl Dhoffer specialist broker 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.

🏥 Sick Leave · Long-Term Illness · Mortgage Options

Mortgage While on Sick Leave — Your Options Honestly Explained

Placement difficultyPossible with the right circumstances and lender

Return date and income level are the key factors

Darryl Dhoffer — The Mortgage Geezer

CeMAP · CeRER · FCA 301173 · 20+ years · ⭐ 47 Reviews

"Whatever your situation — I have seen it before. Free assessment, no credit search, I respond within 2 hours."

Being on sick leave — whether short or long term — creates uncertainty about income that lenders need to assess carefully. Whether you can get a mortgage depends largely on three things: what income you are receiving during sick leave, whether you have a confirmed return-to-work date, and whether you have any income protection insurance in place.

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📋 Three Scenarios — Which Are You?

Short-term sick leave with confirmed return date: Strongest position. Many lenders will use your full salary if you have a confirmed return-to-work letter from your employer. Similar approach to maternity leave.
Long-term sick leave with income protection insurance: If your employer or private income protection policy is paying a proportion of your salary, lenders can use this as income. Evidence of the policy and payment is required.
Long-term sick leave on statutory sick pay only: Most challenging scenario. SSP is £116.75/week which limits borrowing significantly. Waiting until return to work is often the most practical option.

🏦 What Lenders Look At

Current income during sick leave — full pay, reduced pay, SSP or income protection
Confirmed return-to-work date if available
Length of time on sick leave and reason if comfortable sharing
Income protection insurance — employer or private
Partner income if joint application

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On sick leave and need a mortgage?

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❓ Common Questions

Can a lender discriminate against me for being on sick leave?

Lenders cannot discriminate against you for having a disability or illness under the Equality Act 2010. However they can assess affordability based on current and likely future income. The distinction is between discriminating against you as a person versus assessing a genuine financial risk.

What is income protection insurance and how does it help?

Income protection insurance pays a proportion of your salary — typically 50-70% — if you are unable to work due to illness or injury. This income can be used by mortgage lenders as qualifying income, often making the difference between being able to apply and having to wait.

Should I apply now or wait until I return to work?

For short-term sick leave with a clear return date — applying now with an employer letter is viable. For long-term sick leave without a clear return date — waiting is usually the more practical option. Darryl will give you an honest view of whether applying now makes sense.

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.