Having a County Court Judgment (CCJ) on your credit file doesn’t mean homeownership is out of reach. Whether your CCJ is active, partially paid, or fully satisfied, specialist lenders still offer mortgage options — if you know where to look. This page explains how mortgages with CCJs work and how expert guidance can dramatically improve your chances of approval.
Many specialist lenders will still consider applications with unpaid CCJs, depending on age, value, and circumstances.
Once a CCJ is settled, more lenders become available and interest rates may improve.
Deposit size, income stability, and lender selection often matter more than the CCJ itself.
We work with CCJ-friendly mortgage lenders who assess your current affordability — not just your past mistakes. Our approach is personalised, discreet, and designed to maximise approval.
We match you with lenders who actively accept applicants with one or multiple CCJs.
We advise on the ideal deposit level to unlock better terms, even with active CCJs.
Your application is presented strategically to reduce risk flags and improve acceptance.
From documents to lender negotiation, we handle everything to avoid costly rejections.
Success Stories That Speak for Themselves
Your CCJ Mortgage Questions Answered
Yes. Some specialist lenders accept active CCJs, especially if they are small or over a year old.
CCJs remain on your credit file for six years, but their impact reduces over time.
Usually yes. A higher deposit helps offset lender risk and improves approval chances.
In most cases, yes. A satisfied CCJ opens access to more lenders and better rates.
No judgement, no pressure — just expert advice for mortgages with CCJs.
3110 Feathers Hooves Drive
Selden, New York 11784
hello@agency.com
631-696-7601
