Mortgage With a CCJ and Missed Payments Commonly Placed Together
Quick answer: Having both a CCJ and missed payments on your credit file is one of the most common combinations Darryl works with. A CCJ often arises from a period of financial difficulty that also resulted in missed payments on other accounts. Specialist lenders understand this pattern.
🏦 What Lenders Look At
- Age of the CCJ — this is typically the most influential factor
- Whether the CCJ is satisfied
- Age and number of missed payments
- Whether there are any defaults alongside the CCJ and missed payments
- Deposit size and overall affordability
❓ Common Questions
Is a CCJ and missed payments worse than just a CCJ?
The CCJ is generally the more significant marker. Missed payments alongside a CCJ from the same period are often treated as part of the same episode of difficulty.
What if the missed payments are more recent than the CCJ?
If missed payments occurred after the CCJ this suggests ongoing financial difficulty rather than a resolved episode and is viewed more cautiously.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT.
This page is for 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.