Mortgage With Multiple CCJs Solutions Do Exist
Having multiple CCJs is more challenging than a single CCJ but specialist mortgage solutions do exist. The key factors are the total amount across all CCJs, their age and satisfaction status and whether there are other adverse credit issues alongside them.
🏦 What Lenders Look At
- Total amount across all CCJs combined
- Number of CCJs — some lenders have maximum thresholds
- Age of each CCJ — lenders typically look at the most recent
- Whether all CCJs are satisfied
- Deposit size — typically 20-25% required
❓ Common Questions
How many CCJs can I have and still get a mortgage?
There is no absolute maximum but lenders become increasingly selective above 3 CCJs. The total combined amount often matters more than the number.
Does it help to satisfy all my CCJs before applying?
Yes significantly. Satisfying all CCJs demonstrates that you took responsibility for the debts and resolved them.
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.