Award-Winning Bad Credit Specialist · FCA No. 301173
Remortgage With a CCJ UK
Darryl Dhoffer
CeMAP · CeRER · FCA 301173 · ⭐ 52 Reviews
"I specialise in exactly this. Free assessment — no credit search, no obligation. I respond within 2 hours."
Can you remortgage with a CCJ? How lenders assess it, your options and what to check first.
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Remortgage With a CCJ
Quick answer — Can you remortgage with a CCJ? Often yes. A CCJ does not automatically block a remortgage, but it limits which lenders will consider you. A paid CCJ with some equity and a clean record since gives you the most options; a recent or unsatisfied CCJ usually means a specialist lender.
Updated 23 October 2026
Remortgaging with a CCJ is treated as a fresh application. The lender will assess your credit file, income and equity as well as the judgment itself, so the strength of the whole case matters.
How Lenders Assess a CCJ When You Remortgage
- The amount of the CCJ, and whether there is more than one.
- How recently it was registered.
- Whether it is satisfied, and the evidence of that.
- Your payment record since, on the mortgage and everything else.
- Your equity: more equity widens the choice.
Newspage research sponsored by The Mortgage Geezer found six of the UK's 10 largest lenders publish criteria under which a paid CCJ may be considered one year after registration. See the CCJ mortgage guide.
Darryl Dhoffer — The Mortgage Geezer
20+ years in mortgages. Featured in the Daily Express, FT Adviser, The Intermediary and Daily Mirror. When you contact me you speak to me directly. Read more about Darryl.
CeMAPCeRERFCA 301173INDEPENDENT
Frequently Asked Questions
Can I remortgage with a CCJ? ›
Often yes. A CCJ does not automatically stop a remortgage, but it narrows your choice of lender. What matters is the amount, how recent it is, whether it is satisfied and how your payments have been since.
Can I stay with my current lender if I have a CCJ? ›
Sometimes. Some lenders offer existing customers a product transfer without a full credit assessment, but that depends on the lender and your circumstances. A product transfer does not release equity or add borrowing.
Does a paid CCJ make remortgaging easier? ›
Yes, generally. A satisfied CCJ is viewed more favourably than an unsatisfied one. It stays on your file for six years from the date it was registered, even once paid, unless it was paid within one month, in which case it can be removed.
How much equity do I need to remortgage with a CCJ? ›
Typically a loan-to-value of 75% to 85% or lower gives the most options, but this varies by lender and the details of the CCJ. More equity usually means more choice and better rates.
Will remortgaging with a CCJ cost more? ›
Usually the rate is higher than the best standard deals, though specialist rates reduce as the CCJ ages. Compare the full cost, including fees and any early repayment charge on your current deal.
Should I apply directly to lenders? ›
Applying to several lenders can leave multiple searches on your file. A broker can check lender criteria first, so you only apply where your case fits.
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FCA No. 301173
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Lender criteria, rates and deposit requirements quoted on this page are indicative and subject to change without notice. Individual circumstances vary. This page provides 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. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT.