How to Get a Mortgage with a CCJ on Your Credit File

Applying for a mortgage with any adverse credit history can be daunting – but what happens if you have a CCJ on your file, and how long will it be until you can apply for a mortgage?

About your mortgage

Error: Yearly income income must be between £1 and £10,000,000.

Error: Regular bonus must be between £1 and £10,000,000.

Based on your yearly income, you may be able to borrow:


Most lenders will let you borrow 4.5 times your annual salary so, as long as you have a standard 10% deposit, you should be able to borrow this much.


Depending on your personal circumstances, some lenders may let you borrow 5 times your salary.


Lenders usually cap the amount they lend at 5.5 times your salary, so it’s unlikely you’ll be able to borrow more than this.

This calculator is an estimation of how much you could borrow. If you’re ready to take out a mortgage, speak to a Revolution brokers to see what options are available.

How to Get a Mortgage with a CCJ on Your Credit File

Having a CCJ can make it more difficult to find a mortgage - but usually not impossible! Let's examine why mortgage lenders might reject a CCJ application - and what criteria they will look for when considering whether they can lend.

Let's examine why mortgage lenders might reject a CCJ application - and what criteria they will look for when considering whether they can lend.

If you need tailored support with finding a mortgage after a CCJ, give the bad credit specialists at mortgage advisors a call on 0330 304 3040.

Applying for a Mortgage With CCJ History - the Basics

Lenders all have different criteria about what they can accept.

Some might be happy to lend provided the CCJ has been satisfied, whereas others will need a minimum number of years to have passed.

In most cases, you can get a mortgage after a CCJ provided over two years have passed. In that scenario, you can generally borrow up to five times your annual income.

However, you will need to meet the other lending terms to qualify.

Given the higher risk of lending to a mortgage applicant with a CCJ on their credit file, lenders might also ask for a higher deposit, have stricter rules about your employment type, or charge less competitive interest rates.

What are the Criteria for Getting a Mortgage With a CCJ?

Lenders will look at various criteria to decide whether they can offer to lend. Firstly, they'll want to know all the details of the existing CCJ itself.

  • When Can I Get a Mortgage With a CCJ? - You can get a mortgage after one year, although most banks will need several years to have passed or for the debt to have been settled at least 12 months ago.
  • How Debt Values Impact Getting a Mortgage With a CCJ? - if it was within a couple of years and less than £2,500, you have a better chance than with a similarly recent CCJ of a higher value.
  • Can I Get a Mortgage With a Satisfied CCJ? - If the judgment were over two years ago, most bad credit mortgage providers wouldn't require the CCJ to have been repaid in full.
  • How many CCJs you have had - if you have had multiple judgements against you, you will often need a deposit of 25% to 35% to be considered for a mortgage.

Can You Get a Mortgage With a CCJ With Any Deposit Value?

Your deposit, with most lenders needing at least a 25% deposit for a CCJ mortgage applicant within a year of the judgement date.

Again, this depends on the lender.

Some will consider a small deposit, provided the CCJ was several years ago and is shortly due to expire from your credit history. Others will command much higher deposit requirements for any applicant with a previous CCJ.

Is it Possible to Get a Mortgage With a CCJ for a Buy to Let?

The type of mortgage you are applying for is also a factor in a bad credit applicant assessment process.

Residential home purchases are more likely to be approved, whereas a buy to let investment will be subject to stricter criteria.

Buy to let mortgages also look at different eligibility factors, so the lender will want to assess the future rental income from the property and how much coverage this offers against the mortgage interest charges each month.

If you have a CCJ on your credit file, lenders will likely want to see at least a couple of years of landlord experience, so they have confidence that you're not investing in a first-time rental and will be able to manage the property well.

Can You Get a Mortgage With a CCJ and Other Credit Issues?

Other credit issues on top of a CCJ may make finding a mortgage a little more complex.

Lenders work on a risk vs reward basis.

In short, they need to know whether they're likely to have to pursue a repossession (always a last resort) and what sort of risk there is that the property isn't going to sell for enough to recoup their losses.

Unfortunately, a bad credit history does mean you're more likely to fall into arrears and thus are a higher-risk applicant for any lender.

They'll want to check your credit file and see what other circumstances there are. Even though a generally minor credit issue, late payments are a more severe scenario when there's also a CCJ to contend with.

Should you have a few minor issues on your credit report, you'll usually still be able to find a mortgage but will need a larger deposit than usual or at least 15% of the property value.

Affordability Requirements to Get a Mortgage With CCJ History

Typically, a bad credit lender will lend up to four or 4.5 times your annual income. However, the deposit required will rely on the dates when the CCJ was registered and repaid.

The below table gives an indicative example of what sort of Loan to Value you can achieve on a mortgage after a CCJ and the standard conditions you might find apply.


Maximum LTV

CCJ registration date

CCJ repayment date


Lender A


It must have been registered over three years ago.

Repayment isn't essential.

Must have no further adverse credit issues within three years.

Lender B


Will accept two CCJs within two years, provided values do not exceed £1,000 in the last year and £2,500 in the remainder of the previous two years.

Repayment isn't essential.

Must have no further credit issues in the last two years aside from a maximum of two late payments and two defaults.

Lender C


It must have been  registered over two years ago.

Repayment isn't essential.


Lender D


It cannot be within the last three months.

Repayment isn't essential.

Most credit issues are acceptable, provided they were not in the last year.

Can I Get a Mortgage With a CCJ?

In most scenarios, you'll be able to find a mortgage provided you've settled the CCJ - in short, you've repaid the debt, cleared the charges and don't have anything outstanding.

While most lenders will want to see at least one year of good credit behaviour since the CCJ was settled, there are specialists out there who have more flexible policies.

Take a look at the above table for an indication as to what kind of Loan to Value (i.e. what you want to borrow vs what your property is worth) you can apply for depending on the time element.

Getting a Mortgage With a Satisfied CCJ

Remember that you won't have a CCJ on your credit file forever!

Credit issues remain on your report for six years. Therefore, if you're close to that time, it might be worth hanging fire for a few months, as you'll have a much easier time securing a mortgage with a clean credit record.

Likewise, if you've had a few minor credit issues since satisfying your CCJ, it's better to wait for the more serious credit issue to be removed from your report. At that stage, most lenders will offer more favourable interest rates.

How Can You Get a Mortgage With a Paid CCJ?

Mainstream banks and high street lenders won't automatically accept your application when you have repaid your CCJ.

Even though you've paid back the debt, the report still exists that shows you experienced difficulties making payments on another form of borrowing and ended up with a court judgement against you.

It's essential to consult an experienced broker with whole-of-market access to find competitive deals before getting a mortgage with a satisfied CCJ.

Choose the right lender, and you'll lower your monthly repayments, speed up the application process, and can get your mortgage borrowing in place with fewer queries.

Most lenders will ask for some background information, though, so don't be surprised if they request an account from you to give some context as to how the CCJ occurred.

CCJs arising from sudden, one-off life events such as redundancy are often something a lender will take a more lenient view towards since they can be reasonably confident you won't experience the same situation again.

Can I Apply for a Mortgage With 5 Year Old CCJ History?

You can - although we might recommend you wait. In another 12 months, your CCJ won't appear on your credit file and won't have any bearing on the mortgage application process.

However, if you're keen to go ahead with your mortgage or are looking at a time-sensitive property purchase, you might not have that extra year to play with.

The good news is that you'll have a significantly broader number of lenders to choose from than when your CCJ was newer, and most will be reasonably open to considering your application, depending on any other risk factors involved.

Professional Help With Mortgages After a CCJ

As you can see, there are lots of different ways to find a mortgage after a CCJ. Much depends on what sort of deposit you have available and if there are other credit issues to bear in mind.

If you'd like to get started on your mortgage application, or compare the rates available from specialist bad credit lenders, get in touch with the Revolution Brokers team at

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The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature. We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.

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