Mortgage With a Recent CCJ UK — Options in 2026

A recent CCJ in the last 12-24 months makes getting a mortgage harder but not impossible. Specialist lenders can help. 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 CCJ · Specialist Lenders Required

Mortgage With a Recent CCJ Solutions Exist — Here Is What to Expect

Placement difficulty Straightforward with the right lender

Good chance with specialist lenders

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 CCJ registered in the last 12-24 months is the most challenging CCJ position for mortgage purposes. Mainstream lenders will almost certainly decline. However a panel of specialist lenders specifically exists to help people in this situation — and with the right deposit and broker a mortgage is achievable.

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🏦 What Lenders Look At

Exact date of the CCJ
Whether the CCJ has been satisfied
Deposit size — 25%+ typically required for a CCJ in the last 12 months
The amount of the CCJ
The reason and whether your situation has since stabilised

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Annual income (or joint income)

Deposit or equity available

Credit situation

A recent CCJ is challenging but specialist lenders exist for exactly this situation

Solutions exist — the key is matching you to the right lender. WhatsApp me for a free assessment.

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❓ Common Questions

Can I get a mortgage with a CCJ registered this year?

Yes though options are limited. Bluestone, Pepper Money and Together Money will consider CCJs registered within the last 12 months with a 25%+ deposit.

Should I wait for my CCJ to be older?

Waiting does improve your options. A CCJ over 2 years old opens significantly more lenders. However if you need to move now specialist solutions exist.

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.