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

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

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Having a CCJ can make it more difficult to find a mortgage - but usually not impossible! 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.

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

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.

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

The following topics are covered below:

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

How Does Affordability Work on a Mortgage Application with a CCJ?

Professional Help With Mortgages After a CCJ

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

Lenders will look at various criteria to decide whether they can offer to lend:

  • When the CCJ was registered. 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.
  • The value of the 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.
  • Your deposit, with most lenders needing at least a 25% deposit for a CCJ mortgage applicant within a year of the judgement date.
  • 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.
  • Whether the CCJ has since been satisfied - i.e. the debt has been repaid. If the judgment was over two years ago, most bad credit mortgage providers won't require the CCJ to have been repaid in full.
  • The type of mortgage you are applying for. Residential home purchases are more likely to be approved, whereas a buy to let investment will be subject to stricter criteria.
  • Whether you have other credit issues - having late payments, for example, as well as a CCJ, will make it harder to find a mortgage. If you have minor credit issues over a year ago, you will usually find a mortgage with at least a 15% deposit.

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How Does Affordability Work on a Mortgage Application with a CCJ?

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.

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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FCA disclaimer

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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