Mortgage With Both a Default and CCJ UK

Having both a default and a CCJ makes getting a mortgage more complex but specialist lenders handle these combined cases. Darryl Dhoffer — 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.

⚖️ Default Plus CCJ · Specialist Matching Required

Mortgage With a Default and a CCJ Combined Issues Can Still Be Placed

Placement difficulty Straightforward with the right lender

Good chance with specialist lenders

Darryl Dhoffer

CeMAP · CeRER · FCA 301173 · ⭐ 47 Reviews

"I specialise in exactly this. Free assessment — no credit search, no obligation. I respond within 2 hours."

Having both a default and a CCJ on your credit file is more complex than having either one alone. The combination is viewed more seriously by lenders but specialist mortgage solutions do exist. Darryl places combined default and CCJ cases regularly.

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🏦 What Lenders Look At

Age of both the default and the CCJ
Whether both are satisfied
Total amounts across both
Whether the default and CCJ relate to the same debt
Deposit size — typically 20-25% for combined adverse credit

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Annual income (or joint income)

Deposit or equity available

Credit situation

Default and CCJ together — Darryl places these combined cases regularly

Solutions exist — the key is matching you to the right lender. WhatsApp me for a free assessment.

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❓ Common Questions

Can the default and CCJ relate to the same original debt?

Yes this is common. A single unpaid debt can result in both a default and a CCJ. Specialist lenders understand this and will assess these as a single episode of difficulty.

What deposit do I need with both a default and a CCJ?

Typically 20-25% for combined adverse credit though this depends on the age and severity of each issue.

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.