Mortgage With CCJ and Missed Payments UK

Having both a CCJ and missed payments is very common and is placed by specialist lenders regularly. Darryl Dhoffer explains. 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.

⚖️ CCJ Plus Missed Payments · Very Common Combination

Mortgage With a CCJ and Missed Payments Commonly Placed Together

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Darryl Dhoffer

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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.

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🏦 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

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Annual income (or joint income)

Deposit or equity available

Credit situation

CCJ and missed payments together — Darryl places this combination regularly

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❓ 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.

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.