Mortgage Sorter | Can I Get A Mortgage If I Have A CCJ?

Mortgage Guide
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Mortgages for people with a bad credit history
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County Court Judgement Mortgages / CCJs

Intro

What Are County Court Judgements?

Can I Get A Mortgage If I Have A CCJ?

How Do I Get A County Court Judgement Mortgage?

What Kind Of Mortgage Can I Get With A CCJ?

How to Repair Your Mortgage Credit Rating

County Court Judgment Mortgages: Frequently Asked Questions

Can I Get A Mortgage If I Have A CCJ?

Yes ! Almost certainly.

The secret is knowing where to look. Most high street lenders are still quite conservative and inflexible in their approach to lending – they have a fixed set of criteria for lending mortgages, and if they can't tick every box, they simply reject you – even if you are able to pay!

Fortunately, there are a number of more specialist lenders who take a different approach.

They look at your circumstances individually, and decide whether or not you can afford the mortgage – regardless of any CCJs or other problems you may have had.

After all, a CCJ might just be the result of an unlucky month off work through illness or redundancy – through no fault of your own. Having a County Court Judgement on your credit record does not necessarily make you a bad credit risk.

Important: CCJ Satisfaction

Although there are plenty of lenders who will give you a mortgage if you have CCJs, most of them will insist that the CCJs have been satisfied.

Once you have paid off a CCJ in full, you should notify the court of this to ensure that your credit record is updated - ie to show that the CCJ has been satisfied.

Once you have notified the court, it will be a few weeks before your credit record is updated – but this is a vital step, as you will find it much easier to get credit once your CCJs are satisfied.

How Do I Get A County Court Judgement Mortgage?

Getting a CCJ mortgage is not as difficult as you might think, but you will have to look away from the high street.

Conventional lenders are not usually very flexible with people who have CCJs and to get the best possible CCJ mortgage deal, you will need to go through a specialist bad credit mortgage broker.

The reason for this is that most of the lending companies who will provide mortgages to people with judgements against them do not deal directly with their customers – they prefer to make their products available through mortgage brokers.

Specialist mortgage brokers are usually independent and will have access to mortgages from all lenders – including specialist and high street lenders. This means they will be able to find the mortgage that fits your needs best – taking into account your County Court Judgements.

Read on What Kind Of Mortgage Can I Get With A CCJ?

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