Mortgage With Arrears UK — Can You Get One?

Can you get a mortgage if you have arrears? Yes in most cases. Darryl Dhoffer explains your options honestly. 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.

🏠 Mortgage Arrears · Specialist Lenders Available

Mortgage With Arrears Your Options Explained

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Darryl Dhoffer

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Arrears — whether on a current mortgage, credit card or personal loan — do not automatically prevent you from getting a new mortgage. The key factors are whether the arrears are historical or current, how much was owed, and whether they have since been cleared.

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🏦 What Lenders Look At

Whether the arrears are current or historical
The amount of arrears and how many months they represent
Whether the arrears have been cleared
How long ago the arrears occurred
The reason for the arrears

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🧮 Check What You Could Borrow — Free

No credit search at this stage

Annual income (or joint income)

Deposit or equity available

Credit situation

Arrears — current or historical — can be worked around with the right lender

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❓ Common Questions

Can I remortgage if I have current mortgage arrears?

More difficult but not impossible. Some specialist lenders will consider a remortgage where there are current arrears particularly to reduce monthly payments.

How many months of arrears can I have and still get a mortgage?

There is no fixed limit. 1-2 months historical arrears is manageable. 6+ months requires specialist matching. The key is whether they are now resolved.

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.