A County Court Judgment is a court order issued when a creditor wins a case for unpaid debt. Whilst a CCJ is serious, it does not automatically disqualify you from getting a mortgage. Many specialist lenders understand that financial difficulties can happen to anyone and are willing to work with borrowers who have a CCJ on their record.
The key factors lenders consider are: the age of the judgment, how it was settled, your current financial stability, and your deposit size. A judgment from 6+ years ago, especially if satisfied, significantly improves your chances.
CCJs drop off your credit file after 6 years. Recent judgments are harder to get approved for, but not impossible with the right lender and deposit.
A satisfied CCJ shows you paid the debt. This is viewed far more favourably by lenders. Apply to get your judgment marked as satisfied if you’ve repaid it.
A larger deposit (15-20%+) and proof of stable income significantly strengthen your case. Lenders want to see you’re financially stable now, regardless of past issues.
High street banks rarely lend with a CCJ. Specialist lenders have different criteria and can often approve you when others won’t.
Yes, but it’s harder. Specialist lenders will want to understand why it remains unsatisfied and assess your current financial position carefully.
A CCJ will be automatically removed from your credit file 6 years after the judgment date, even if unpaid.
Possibly. CCJs increase your perceived risk, so rates may be higher than standard mortgages. This varies by lender.
Most specialist lenders require 15-20% deposit minimum with a recent CCJ. Older, satisfied judgments may allow 10-15%.