Mortgage With One Missed Payment UK

One missed payment does not prevent you getting a mortgage. Most specialist lenders will consider you. 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.

🏠 Missed Payments · Most Commonly Placed

Mortgage With One Missed Payment You Almost Certainly Qualify

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."

A single missed payment is the mildest form of adverse credit and one of the easiest situations to place with a mortgage lender. The majority of specialist lenders — and even some high street lenders — will consider you, depending on how long ago it was and whether the debt was subsequently paid.

🏆 The Geezer Guarantee — If we can't find you a mortgage offer, we'll send you a £50 Amazon voucher Start Free Assessment →

⭐⭐⭐⭐⭐ 47 Google Reviews 🏆 Award-Winning Broker 🏦 65+ Lenders 📞 01234 237321 ✅ FCA Regulated 📰 Daily Express · The Intermediary · Daily Mirror

🏦 What Lenders Look At

How long ago the missed payment occurred — older is better
Whether the debt has since been paid
Your overall credit profile since the missed payment
Deposit size — 10%+ significantly widens your options
Your income and affordability

⚡ Free Callback — I respond within 2 hours

No credit search · No obligation · FCA No. 301173

🧮 Check What You Could Borrow — Free

No credit search at this stage

Annual income (or joint income)

Deposit or equity available

Credit situation

One missed payment is very unlikely to stop you getting a mortgage

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

💬 WhatsApp Darryl — Free 🚀 Start Free Assessment

❓ Common Questions

Will one missed payment stop me getting a mortgage?

In most cases no. A single missed payment is the mildest form of adverse credit. Most specialist and many mainstream lenders will consider you depending on age and overall credit profile.

How long does a missed payment stay on my credit file?

Six years from the date recorded. However many lenders focus on pattern of behaviour rather than a single isolated missed payment.

Which lenders accept one missed payment?

Many mainstream lenders will consider a single missed payment over 2-3 years old. Specialist lenders including Kensington, Pepper Money, Bluestone and Precise consider more recent ones.

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.