A County Court Judgement (CCJ) isn't the end of your mortgage ambitions. Enlist the support of our expert mortgage advisors and achieve the mortgage approval for the home of your dreams. Your home may be repossessed if you do not keep up repayments on your mortgage. When The Bank Says No is a mortgage broker and not a lender.
Your home may be repossessed if you do not keep up repayments on your mortgage. When The Bank Says No is a mortgage broker, and not a lender.
Finding The Best CCJ Mortgage Deal For Your Circumstances
Navigating the mortgage process can be tricky, particularly if you have a CCJ on your credit report. Though serious, CCJs don't necessarily mean you need to put your homeowning dreams to bed. Our specialist mortgage advisors have helped many people with bad credit and complex credit histories find their way to get a mortgage and the right deal for them.
Don't fear your credit score and don't be disheartened if having a CCJ registered against you is yet another obstacle in your journey to getting a mortgage. Our advisors are here to provide plenty of useful mortgage advice to make everything much clearer. With our team on your side providing specialist support, you can plot your way to getting a mortgage with a CCJ and stop it from getting in the way of your future home-owning ambitions.
Can I get a mortgage with a CCJ?
If you have a CCJ on your credit report, don’t worry; it is still possible to get a mortgage. While high street lenders may be reluctant to lend to you, and there may be fewer options open to you than if you had a perfect score, there are lenders out there who specialise in providing finance to those with a poor credit record.
What is a CCJ?
A County Court Judgment (CCJ) is a court order registered against someone who owes money. It is typically applied following a series of attempts by the creditor to agree with you after repeated late or missed payments.
If you have a CCJ, future lenders looking into your credit history may become alarmed by evidence of an unwillingness to repay debts. That’s why CCJs are always best avoided. However, it’s not necessarily the end of the road when you try to get a mortgage as there are specialist mortgage lenders who accept CCJs and other bad credit issues.
Maximise your chance of approval with specialist advice from an expert in CCJ Mortgages
Can I remove a CCJ from my credit report?
You may be able to get a CCJ removed from your credit file if you pay the outstanding debt within 30 days of issue. Once this is done, you should apply for a certificate of cancellation from the County Court hearing centre and provide proof of payment.
If you fail to pay within one month, it is unlikely you will be able to have it removed unless there is clear evidence the CCJ was made in error and should never have been put on your file.
How long do CCJs stay on my credit file?
Like many other pieces of information on your credit report, CCJs appear on your credit file to anyone searching for 6 years from when the CCJ was registered. It won’t come off if you pay the amount owed, unless you do so within one month. When the CCJ is 6 years old, it will be entirely removed, even if you still haven’t managed to pay it all back. It is possible that when you have paid off your CCJ, that it may not be marked as satisfied on your credit file. Due to the administration involved, this may take a few weeks, so you should wait until this has been processed before making an application to get a mortgage.
If you are keen not to miss out on a property and are unable to wait to get a mortgage, you can contact the court and ask that they provide a certificate of satisfaction that will prove to a lender that the CCJ has been satisfied.
Mortgages with CCJ FAQs.
CCJ Mortgage Calculator
Tailored advice & support for mortgages with CCJs.
CCJs are not ideal, but our mortgage advisors are here to help you see what's possible when it comes to CCJ mortgages and bad credit mortgages in general. Though many will be unwilling to consider mortgage applications from those with CCJs, some specialist mortgage lenders accept CCJs and those with poor credit scores.
With years of expertise in the industry, our mortgage brokers can help you scour the market for the best adverse credit mortgages available within your circumstances, and tailor your application so you have the best chances of success.
As expert mortgage brokers, we've helped many would-be homeowners with CCJ mortgage advice and to find the right specialist lenders for their situation. Even when it doesn't seem possible, we're here to prove that mortgages, even with CCJs or an adverse credit history, are often easier than you think.
Helping you find your way.
Any negative marks on your credit report can seem like significant obstacles in your journey, but you don't have to give up on your aspirations. We've helped people with a range of tricky credit situations and histories to finance the purchase of their new home.
We'll provide you with advice from a specialist CCJ mortgage broker who will take the time to understand your circumstances, with no judgment, and guide you through the process from enquiry to approval for a mortgage with a CCJ. When the bank says no, we're here to listen.