Mortgage With Missed Payments in the Last Year UK

Recent missed payments in the last 12 months do not automatically stop you getting a mortgage. Specialist lenders consider your full picture. 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.

🏠 Recent Missed Payments · Specialist Lenders Available

Mortgage With Missed Payments in the Last Year Recent Issues Can Still Be Placed

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Darryl Dhoffer

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

Having missed payments within the last 12 months is more challenging but far from impossible. Specialist lenders assess your full picture — the reason for missed payments, your current financial stability and your deposit size all play a significant role.

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🏦 What Lenders Look At

The reason — illness, redundancy, relationship breakdown are understood
Whether payments are now up to date
How many payments were missed and across how many accounts
Deposit — 15-25% significantly improves options with recent missed payments
Current income stability and affordability

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Annual income (or joint income)

Deposit or equity available

Credit situation

Recent missed payments are placeable — you need the right lender

This is very likely solvable — WhatsApp me now and I will tell you exactly where you stand.

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❓ Common Questions

Can I get a mortgage with missed payments in the last 6 months?

Yes though options are more limited. Bluestone and Pepper Money will consider very recent missed payments if you can demonstrate payments are now up to date.

Will I pay a higher rate with recent missed payments?

Typically yes. Specialist lenders price for risk. However as your credit history improves you can remortgage to better rates — usually within 2-3 years.

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.