Mortgage With Late Payments on Credit File UK

Late payments on your credit file do not have to stop you getting a mortgage. Specialist lenders assess your full situation. 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.

🏠 Late Payments · Most Straightforward Bad Credit Case

Mortgage With Late Payments on Your Credit File More Options Than You Think

Placement difficulty Easiest to place

Very high chance of finding a solution

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."

Late or missed payments are the most common form of adverse credit and the most straightforward to work with. Most people with late payments are surprised by how many lenders will consider them — particularly if payments have since been brought up to date.

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🏦 What Lenders Look At

Whether the accounts are now up to date
The age of the late payments
The number of accounts affected
Whether late payments led to any defaults or CCJs
Your overall credit score trend

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Annual income (or joint income)

Deposit or equity available

Credit situation

Late payments on your credit file are very commonly placed

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❓ Common Questions

What is the difference between a late payment and a missed payment?

A late payment is made after the due date but before formally marked as missed. A missed payment was not made at all. Both appear on your file but a late payment is generally viewed less seriously.

Can I remortgage with late payments?

Yes. Remortgage applications with late payments are treated similarly to purchase applications.

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.