Affordable CCJ Mortgage Deals

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  • You have no more than one CCJ registered within the past 2 years.  
    Maximum value £1000 within 12 months and £2500 in 2 years.
  • You have CCJ's of any value more than 2 years old
If you do not fit the above criteria but have a 20% + deposit we may still be able to help depending on your circumstances. 
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CCJ Mortgage Help From Adverse Credit Experts


re you the subject of a county court judgment (CCJ) for an unpaid debt? If you are, it may have an effect on your ability to get credit, including mortgage lending.

It’s not all bad news though as there are a number of factors that mortgage providers will take into account when deciding whether to lend to an applicant who has had a CCJ...

How Mortgage Providers Assess your cCJ

The first thing to know is that County court judgments stay on your record for six years. If the judgment hasn’t yet been satisfied (i.e. the debt hasn’t been paid off in full) or if it was satisfied less than a year ago, then you will find it difficult get a mortgage.

However, if the CCJ was some time ago, and has been fully satisfied, lenders will take this into account. They may also consider the amount of the judgment when making a decision on whether or not to lend to you

Mainstream banks and building societies can and do lend to individuals who have had a CCJ against them. However, mortgage lenders’ credit scoring policies are stricter than they were in the mid-2000s.

CCJ Mortgage Products

Fortunately, there are other, more sympathetic lenders out there who can help customers who have
had past credit problems – and some even provide mortgage products that are specifically designed for customers who have had CCJs.

In common with other types of credit made available to people with a poor credit history, adverse credit mortgages may not, at first glance, seem particularly attractive when compared to those available to applicants with a good credit rating.

At the very least, the interest rate charged will be higher than for equivalent high street mortgages. Product fees may also be higher. Lenders impose these conditions in order to offset the potential higher risk involved in lending to those who have a previous record of failing to meet debt repayments.

While many banks and building societies are now offering mortgages up to 90 per cent or 95 per cent of the property value, you may find that adverse credit mortgage lenders will require a higher deposit to be put down. Again, this is because minimising the loan to value (LTV) ratio reduces their exposure to risk in the event of non-payment.

Get the right advice

The mortgage market can be confusing at the best of times. When you start to consider interest rates and product fees, LTV ratios and lending limits – not to mention other factors such as tie-in periods and early repayment charges – it can be difficult finding your way to the best mortgage for you.  Price comparison websites can be useful, but they don't always present the full picture.

By dealing with our dedicated bad credit mortgage brokers, you can be assured you will receive impartial mortgage advice that best meets your circumstances.

If you have had CCJs, it’s also a good idea to look for an advisor who has had specific experience of handling mortgage applications for people with past credit problems or low credit scores. That means they’re more likely to have come across similar situations and to be aware of the best lenders and deals for you.

What to do next...

For a free no-obligation quote from a specialist adverse credit mortgage broker, simply complete our Get A Quote only takes 60 seconds and there's no-obligation whatsoever.