Mortgage with County Court Judgements

Whether your CCJs are satisfied or not - we may be able to help you with a mortgage product to meet your needs.
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Can we help you get a mortgage even if you have CCJs?

YES We Can


Getting a Mortgage with County Court Judgements Questions and Answers

Answer: Yes it will if your current credit profile is poor and it would appear that you are struggling financially.  What lenders are looking for is good conduct of your financial affairs since discharge.

Answer: Yes, you should always access your credit file yourself to see how lenders will view your credit profile. You can access your file for a one off payment of £2 from

Yes the more historical the CCJ is, the more favourable view the lender will take

Not all lenders require the CCJ to be satisfied, but it would always open the underwriting door a little bit wider if it is satisfied

This will very much depend on the date the CCJ was registered, but in all cases the larger deposit you have, the more attractive the terms will be from the lender

Most lenders would require no CCJ’s in the last 12 months and no more than two or three within the last 24 months

Yes the size of the CCJ does have an impact, if it is considered to be a very large CCJ the lender may restrict their level of borrowing, and we do have a lender who will ignore CCJ’s of less than £300

At 95 % LTV no CCJ’s within the last 36 months and at 90% LTV none within the last 24 months at 85% LTV two within the last 24 months but none within the last six months.

Getting a Mortgage with County Court Judgements

Relevant Products for Those with County Court Judgements

Buy to Let Mortgages

On a very positive note we now have far more lenders who will accept a degree of historical bad or adverse credit in this very competitive market.

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Mortgage for Discharged Bankrupts

We offer a range of mortgage products for those who are discharged bankrupts. Even if you’ve only been discharged for a short period of time we can help.

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Bad Credit Mortgages

If you have bad or adverse credit we may be able to help you secure a mortgage – from IVAs to CCJs, Discharged Bankruptcy and more – A Mortgage 4 You can say YES.

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Mortgage with CCJs

Getting a mortgage with CCJ’S has become easier with the new specialist lenders who have come to the market looking to help clients who have had credit problems in the past.

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Can We Help?

This is a question that many clients ask because in almost all cases the High Street lenders would refuse an application where the client has a CCJ (County Court Judgement). This is based on the fact that High Street lenders make their decision to lend on credit scoring, which can be quite unforgiving and does not take into account how or why the CCJ was registered.

More Information on County Court Judgements & Mortgage Eligibility


Getting a Mortgage with a CCJ

Types of Bad Credit


Turned down elsewhere? We can help!

Whether you have been discharged 3 years or 12 months – it doesn’t matter, we can help.

We’ve been helping discharged bankrupts get back on to their feet and back on to the property ladder despite their circumstances.  Arranging a bad credit mortgage or mortgage product for discharged bankrupts is a scenario we regularly deal with.  Even if you have a history of bankruptcy and resposession we have access to whole of market lenders who will consider your application on various factors.

Latest Bad Credit Mortgage News

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