Cashback Remortgages · Eligibility
Mortgages With a CCJ
A county court judgment (CCJ) on your record can affect a mortgage, but how much depends on its size, age and whether it is satisfied.
How a CCJ is viewed
Recent or unsatisfied CCJs weigh more heavily than older, satisfied ones. Some lenders decline any CCJ within a certain period; specialist lenders may accept them, sometimes with a larger deposit or higher rate.
A satisfied CCJ shows the debt was cleared, which helps.
Preparing to apply
Obtain evidence the CCJ is satisfied, check your credit files, and be ready to explain the circumstances. Advice helps match your record to a suitable lender.
Sources and further reading
General mortgage information, not a personal recommendation. Lender criteria and scheme rules can change. Ask an adviser about your circumstances and a solicitor or tax adviser about legal or tax questions. Your home may be repossessed if you do not keep up repayments on your mortgage. Most buy-to-let mortgages are not regulated by the FCA.
Discuss the next step for your mortgage
Understand your options before you make a decision.