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Expert advisors for mortgages with CCJs.

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.

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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.

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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.

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Let's get the ball rolling.

We can support you and help you to make yourself as attractive to banks as possible, ready for your next application!

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Check your credit file.

In order for us to assess your credit history and suitability for different mortgage products, you will need to check your file.

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.

Turning Your Nightmares Into Dreams

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When you think you’ve hit that brick wall and have all but given up hope of finding mortgage finance, When the Bank Says No are here to turn your ‘No’ into a ‘Yes’. We have access to a range of specialist lenders who are willing to help those that the High Street banks just won’t touch. Get in touch today and see how we can turn your dreams into a reality.

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.

Frequently Asked Questions

Does the value of the CCJ make a difference when applying for a mortgage?

Yes, the value of the CCJ in question can affect a lender’s decision. A lower value is seen to be less serious and may therefore have less of an impact on your application.

More than that, lenders will look into whether or not the CCJ has been satisfied – whether it has been paid off, solved or settled. A partial settlement will be disregarded, so it’s important to pay off an outstanding CCJ as quickly as possible if you’re looking to borrow money to buy a home.

Some lenders will require you to have a satisfied CCJ before they will consider you, whereas other lenders are more open to lending to those with an unsatisfied CCJ. A satisfied CCJ will generally lead to a wider choice of mortgage lenders, especially if you go to a mortgage broker who is a specialist in mortgages with CCJs.

Settling Any Outstanding CCJs

The simplest way of reducing the impact of a CCJ is settling it as quickly as possible. As previously mentioned, if a CCJ is resolved within 30 days of it being served, your record may walk away unscathed, and you won’t have to bear it in mind when approaching lenders. Even if you exceed the 30-day window, settling any unresolved CCJs still opens some previously closed doors. Not all lenders accept applications from those with satisfied CCJs, but a mortgage advisor can help you find the ones who do.

Deposit Size

When trying to secure a mortgage with a CCJ, the size of your deposit is very important. The higher your deposit, the more likely you are to be granted a mortgage. If you are only able to offer a 5% deposit, any CCJs need to be at least 3 years old. On the other hand, if you’re able to put down a deposit of 25% or more, lenders may restrict their assessments to a more limited timeframe. In short, the greater your deposit, the freer you are from the restraints of your CCJ.

Income Status

When applying for a mortgage with a CCJ, your income and credit history will go under the microscope. Being able to offer lenders proof of a regular, stable income, a good credit rating and a clear credit history since the CCJ, will increase your chances of getting a mortgage. You should also consider avoiding any other unnecessary credit applications in the months running up to lodging a mortgage application.

Lenders will pay attention to the date the CCJ was added to your file. This is because an old CCJ is seen as less indicative of your current borrowing habits, and is likely to have less of an impact on underwriting decisions. Also, once 6 years have passed since the CCJ, it will be removed from your credit report entirely so it will not be picked out by credit reference agencies.

Clear any outstanding debt before applying for a mortgage is always a good idea. Any additional tolls on your monthly finances will make lenders question your affordability. If you repay your CCJ, it can repair some of the damage to your credit score, allowing you to access a greater number of different lenders.
If your CCJ has not yet been satisfied, then your mortgage broker should only approach specialist lenders for whom CCJ settlement isn’t an issue. A mortgage advisor from When the Bank Says No will ensure that only the lenders who are likely to consider you are approached for mortgage approval.

The more blots you have on your credit report, the more limited your options become. If you have more than one CCJ, this can adversely impact the amount of mortgage deals open to you. Moreover, many lenders that do consider you may require a larger deposit to reduce Loan to Value (LTV) ratio and thereby minimise overall risk.

Typically, if you have more than two CCJs, you may need a deposit of about 25%, and some lenders require the CCJs to be over 12 months old. Some lenders will simply not consider lending to you if you have multiple CCJs.

However, the good news is multiple CCJs do not always mean your mortgage application will be automatically declined. There are options available to you, and mortgage advisors who specialise in your situation will be able to help you find them. When the Bank Says No can help you find the best deal available based on your credit score and the factors surrounding your CCJs.

Settling Any Outstanding CCJs

The simplest way of reducing the impact of a CCJ is settling it as quickly as possible. As previously mentioned, if a CCJ is resolved within 30 days of it being served, your record may walk away unscathed, and you won’t have to bear it in mind when approaching lenders. Even if you exceed the 30 day window, settling any unresolved CCJs still opens some previously closed doors. Not all lenders accept applications from those with satisfied CCJs, but we can help you find the ones who do.

Deposit Size

When trying to secure a mortgage with a CCJ, the size of your deposit is very important. The higher your deposit, the more likely you are to be granted a mortgage. If you are only able to offer a 5% deposit, any CCJs need to be at least 3 years old. On the other hand, if you’re able to put down a deposit of 25% or more, lenders may restrict their assessments to a more limited timeframe. In short, the greater your deposit, the freer you are from the restraints of your CCJ.

Income Status

When applying for a mortgage with a CCJ, your income and credit history will go under the microscope. Being able to offer lenders proof of a regular, stable income and a clear credit history since the CCJ will increase your chances of being accepted for a mortgage. You should also consider avoiding any other unnecessary credit applications in the months running up to lodging a mortgage application.

The more blots you have on your credit report, the more limited your options become. If you have more than one CCJ, this can adversely impact the amount of mortgage deals open to you. Moreover, many lenders that do consider you may require a larger deposit to reduce Loan to Value (LTV) ratio and thereby minimise overall risk.

Typically, if you have more than two CCJs, you may need a deposit of about 25%, and some lenders require the CCJs to be over 12 months old. Some lenders will simply not consider lending to you if you have multiple CCJs.

However, the good news is multiple CCJs do not always mean your mortgage application will be automatically declined. There are options available to you, and mortgage advisors who specialise in your situation will be able to help you find them. When the Bank Says No can help you find the best deal available based on your credit score and the factors surrounding your CCJs.

Many other factors come into play when lenders are considering a mortgage application with a CCJ. They will also look at the size of the deposit you are putting down, your income status, as well as any other accounts and how they have been conducted.

The amount of deposit you’ll need could be determined by the value of your CCJ. If you have a very large CCJ, a deposit of around 30% may be required by potential lenders. A smaller deposit may be possible if your CCJ is a small amount, perhaps less than £1,000.

If you only have a small deposit, then the CCJs on your credit record will usually need to be over three years ago. A much larger deposit (25%+) can open up more lenders to you, even if your CCJ was registered within the last year.

Our team of mortgage advisors are here for you, whatever the details on your credit file. As mortgage brokers, we are not restricted, meaning we have access to the whole market with seeking out your mortgage with a CCJ deal. We take great pride in guiding those with complex credit to the finance they need to buy their home.

Buy-to-let mortgages can be very difficult to secure when you have a CCJ or even a number of CCJs. Many lenders will have eligibility criteria where they expect the CCJ to be satisfied before you apply and will also require a large deposit. Other lenders may not be as strict about a mortgage with a satisfied CCJ, and instead may require the CCJ to be over 2 years old.

Buy to Let mortgages typically have higher fees and interest rates than other mortgages, and this can be further impacted by the presence of CCJs. The minimum deposit for Buy To Let mortgages tends to be 25% of the property’s value, though CCJs or an adverse credit file can sometimes push this towards 40%.

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.

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