Mortgage With a Satisfied CCJ

Mortgage With a Satisfied (Paid) CCJ

Quick answer — Can I get a mortgage with a satisfied CCJ? Often yes. A satisfied CCJ is one you have paid in full, and many more lenders will consider it than an unpaid one. Some of the UK's biggest lenders may look at a paid CCJ about a year after it was registered, and specialist lenders look at it sooner. The amount, how recent it is and your credit since all matter, so check criteria with a UK-wide specialist broker before you apply.

Updated 6 November 2026

Your Circumstances at a Glance

What "Satisfied" Means

A county court judgment (CCJ) is satisfied once the debt has been paid in full. If you pay within one month of the judgment, the CCJ can be cancelled and removed from the register. If you pay after that, it stays on your credit file for up to six years from the date of the judgment, but is marked as satisfied. You can ask the court for a certificate of satisfaction (a fee applies), which some lenders like to see. See mortgages with a CCJ and how long a CCJ affects a mortgage.

How Lenders View a Satisfied CCJ

Research from Newspage, sponsored by TMG on 15 October, found that six of the UK's ten largest lenders (TSB, Barclays, HSBC, Virgin Money, Coventry and Accord) may consider a paid CCJ one year after registration, while Halifax, Nationwide, NatWest and Santander do not. Criteria change, so treat this as a guide and confirm before you apply. Specialist lenders such as Kensington, Pepper Money and Bluestone assess the whole case, and some will look at a satisfied CCJ sooner. See lenders that accept CCJs.

What Lenders Look At

• The amount of the CCJ, and whether more than one is registered.
• How long ago it was registered, and when it was paid.
• Whether you have paid everything on time since.
• Your income, deposit and the loan size you need.

A small, old, paid CCJ is viewed far more kindly than a recent or large one. See a mortgage with a CCJ under £1,000 and how long to wait after a CCJ.

Deposit

A larger deposit gives you more choice. Some specialist lenders consider smaller deposits for paid CCJs. See a CCJ mortgage with a 10% deposit. Your broker can tell you what is realistic for your CCJ.

What to Ask Any Broker

• Are you FCA authorised? Check the FCA Register.
• Which lenders suit my situation, and why?
• What is your fee, and when is it payable? Is anything charged upfront?
• Will you check criteria before any credit search?
• Can I see reviews from clients with similar circumstances?

The Mortgage Geezer (Darryl Dhoffer, CeMAP and CeRER, FCA No. 301173) works UK-wide. There are no upfront fees: the only fee is £750 to £995, payable once your mortgage is agreed and offered. The initial assessment is free with no credit search. See who we are, 53 Google reviews rated 5.0, mortgages with a CCJ, a CCJ mortgage case study.