Mortgage With an Old Default UK — 3 4 or 5 Years Ago

An old default from 3, 4 or 5 years ago gives you access to a wide range of specialist lenders. 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.

❌ Old Default · Wide Range of Options Available

Mortgage With an Old Default Your Options Are Strong

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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."

A default from 3 or more years ago is in the most manageable zone for mortgage purposes. At this age specialist lenders will compete for your business. By the time a default is 3+ years old Darryl typically has multiple lenders to approach on your behalf.

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🏦 What Lenders Look At

Age of the default — 3, 4 and 5 year thresholds each improve your options
Whether the default is satisfied
The amount — old small defaults carry very little weight
Overall credit behaviour since the default
Deposit size — 10-15% usually sufficient for older defaults

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Annual income (or joint income)

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Old default from 3+ years ago? You have more options than you realise

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❓ Common Questions

Is a 3-year-old default a significant issue?

It is a consideration but far from a barrier. Most specialist lenders have favourable criteria for defaults over 3 years old with a 10-15% deposit.

Can I get a mortgage with a 5-year-old default?

Yes with good options available. A 5-year-old default is close to the 6-year point when it drops off. Many specialist lenders will price your case close to their standard rates.

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.