If you have a County Court Judgment (CCJ), you may be worried that getting a mortgage is impossible.
The good news is that having a CCJ does not automatically prevent you from getting a mortgage – but it can make borrowing more difficult, and the options available to you may be more limited.
In this guide, we’ll explain how a CCJ affects mortgage applications, what lenders look at, and what you can do to improve your chances.
Disclaimer: This article is for general information only and does not constitute legal or financial advice. Always seek professional advice if you are unsure about your situation.
Can you get a mortgage with a CCJ? (Quick answer)
👉 Yes – it may still be possible to get a mortgage with a CCJ.
However, lenders will usually consider:
- how old the CCJ is
- whether it has been paid
- how much the CCJ was for
- your income and affordability
- your wider credit history
👉 In general, older and satisfied CCJs are viewed more favourably.
How does a CCJ affect your mortgage chances?
A CCJ can signal to lenders that there has been a previous problem with debt repayment.
This may lead to:
- fewer lenders being willing to lend
- higher deposit requirements
- higher interest rates
- stricter affordability checks
Paid vs unpaid CCJ
Whether the CCJ has been paid can make a big difference.
Satisfied CCJ
If the CCJ has been paid:
👉 lenders may view this more positively
It shows the debt has been resolved.
👉 See our guide on whether a paid CCJ can be removed.
Unsatisfied CCJ
If the CCJ remains unpaid:
👉 mortgage options may be more limited
Some lenders may refuse outright.
How old is the CCJ?
Age matters:
Recent CCJ (last 12–24 months)
This may make approval more difficult.
Older CCJ (several years old)
If your credit conduct has improved since:
👉 lenders may be more willing to consider your application.
Example scenario
Applicant A:
- small CCJ (£250)
- paid two years ago
- strong income
- good recent payment history
👉 may still find mortgage options
Applicant B:
- large unpaid CCJ
- recent missed payments
- unstable income
👉 may struggle to qualify
What can improve your chances?
1. Pay the CCJ if possible
A satisfied CCJ may be viewed more favourably.
2. Improve your credit profile
Consistent on-time payments can help rebuild trust.
👉 See our guide on how to improve your credit score.
3. Check your credit report for errors
Make sure your file is accurate and up to date.
👉 Learn how in our guide on how to fix errors on your credit file.
4. Save a larger deposit
A bigger deposit may reduce lender risk.
5. Consider specialist advice
Some mortgage brokers specialise in adverse credit cases.
Can you remortgage with a CCJ?
Possibly – but the same factors usually apply.
Your lender will often look at:
- payment history
- current affordability
- whether the CCJ is satisfied
- how recent it is
How long does a CCJ affect mortgage applications?
A CCJ usually remains on your credit file for:
👉 six years
After that, it will usually no longer appear on standard credit reports.
👉 See our guide on how long CCJs stay on your credit file.
Key takeaway
It may still be possible to get a mortgage with a CCJ, especially if the judgment is older, paid, and your wider finances are in good shape. Improving your credit profile and understanding your options can make a real difference.
Need further support?
If you’re feeling overwhelmed or unsure what to do next, you’re not alone – there are free, trusted organisations that can offer confidential advice and support.
- StepChange Debt Charity – Free, impartial debt advice and personalised support with managing and repaying debt.
- Citizens Advice – Independent advice on your rights, dealing with creditors, and resolving disputes.
- National Debtline – Clear guidance and practical tools, including template letters and advice on handling enforcement action.
- Samaritans – Confidential emotional support if you’re feeling stressed or anxious about your situation.
It’s often a good idea to seek advice before making any decisions, especially if you’re unsure about your rights or the validity of a debt.
These organisations offer free support and are not affiliated with this website.
FAQ
Will a mortgage lender reject me because of a CCJ?
Not automatically – but your options may be more limited.
Does paying a CCJ help?
Generally yes – satisfied CCJs are often viewed more positively.
How long does a CCJ affect your mortgage chances?
Usually while it remains on your credit file (up to six years).