When it comes to applying for a mortgage there are lots of myths and untruths, one of which surrounds how a CCJ can affect your eligibility. If you have a CCJ from 2013 that has been paid, satisfied, or perhaps was never resolved you might have some concerns over whether you can apply for a mortgage. Here’s the answer.

Yes, you can get a mortgage with a CCJ from 2013. CCJs will stay on your file for 6 years even if you pay it before it’s removed. If 6 years have not yet elapsed since you had the CCJ against your name, there are still mortgage providers prepared to lend, particularly if the CCJ has been satisfied.

How our advisers can help

Our advisers are specialists in helping people with CCJs get mortgages. They work with a range of lenders prepared to accept applications from people with bad credit.

If you have a CCJ from 2013, then you will still have some options available to you, and the fact it’s older than 3 years puts you in a very good position.

However, you still might struggle to get accepted by the high street lenders which is where our specialist advisers can help.

They understand the processes and lenders involved in offering mortgages for those with CCJs from 2013.

To find out how we can help and take advantage of a free consultation, please call us or complete a quick enquiry form to get in touch.





Will I get a mortgage with a CCJ from 2013 or not?

Each applicant will be treated by lenders on an individual basis, and there are some factors which come into play when they view your application. These factors include:

  • When was the CCJ registered and how old is it?
  • Why did one of the joint mortgage applicants have a CCJ issued?
  • How many CCJs have been registered against one of the joint mortgage applicants?
  • What was the value of the CCJ?
  • Has the CCJ been satisfied?

Of all those factors, the most important one of all is usually the date of the CCJ.

Lenders are far more inclined to lend to those with a CCJ that is more than 3 years old, versus new CCJs on your credit file.

The date at which the CCJ was satisfied will also play an important part, as it shows that you are getting to grips with your finances.

Having said that, there are still lenders that our advisers have access to who will offer mortgages even where the CCJ hasn’t been paid off and satisfied (read about satisfied CCJ mortgages here).

What type of mortgage can I get?

Our advisers can help you get a mortgage with a CCJ from 2013 in a wide range of scenarios including:

What is a CCJ?

CCJ is an acronym for county court judgement and will be registered against your name if you have not kept up payments on a loan or financial agreement.

The institution that you failed to repay will apply for a CCJ, at which point you will get a letter from the county court, detailing the claim being made against you.

Receiving a CCJ notification is worrying, but if you do settle the debt inside of 30 days, it could mean it’s very quickly removed from your name, and you can move on.

However, if you can’t pay within 30 days, you will need to go onto a repayment plan, and that CCJ will be registered against you for 6 years, even if you do pay and satisfy it.

How will a CCJ affect my credit file?

If you have received a CCJ, then the chances are that you already have bad credit, as default notices will have been issued against you, way before a CCJ is.

The CCJ will then remain on your credit file for 6 years and will remain there even if you pay it off and it’s set to satisfied status. Any person or company can check the publicly available register for CCJs, as long as they pay a small fee.

If you attempt to take out additional credit, lender can check against your name for CCJs.





However, once 6 years are up from the date the CCJ was issued, the details will be removed from the public register as well as your credit file. Even if you haven’t paid the CCJ off, it will still be removed from your credit file at this point.

The impact of a CCJ on your credit worthiness, as well as taking out a mortgage, can be negative. Some lenders won’t want to lend to people with a CCJ, but our advisers do have access to a range of mortgage lenders where this isn’t the case.

To find out how our advisers can help you, contact us today for an initial free consultation on how a CCJ from 2013 could impact your mortgage chances. They are specialists in helping people with bad credit get a mortgage (read more here).

How long do CCJs stay on your credit file?

As we’ve already explained, a CCJ will stay on your credit file for 6 years, unless you pay it off inside of 30 days of receiving the notice letter.

This 6-year term applies even if you pay the debt off in full after agreeing a payment schedule. That means satisfied CCJs, despite being paid, will still be on your file for a 6 year period. 

Can I remove a CCJ from my credit file?

Yes, you can.

The quickest way to do so is to pay the CCJ off in full in the first month of having received it. If you do that, it will be taken off the public register and your credit file.

You will need to show proof of payment when applying for a certificate of cancellation from the County Court. It will cost a small fee to arrange, but those on low incomes can sometimes have this fee waivered.

Once the County Court has seen the evidence of payment inside the month of the CCJ being issued, it will be removed from the public register.

If you cannot pay the CCJ off in 30 days from the judgement, it won’t be removed. You can repay the debt over time, and once you do, apply for a certificate of satisfaction again.

This will show anyone searching the public register that you have satisfied the CCJ, at which point lenders will be more inclined to lend to you.

More facts about CCJs

There are some common misconceptions about CCJs. We aim to answer a few of those below.

  1. CCJs are registered against an address, not a person – NOT TRUE
  2. Ignore the CCJ, don’t pay it, and it will go away – NOT TRUE
  3. If you move abroad the CCJ won’t affect you – NOT TRUE

What to do next…

Contact us now if you want to get a mortgage and have a CCJ from 2013. In just a few minutes our specialist advisers will be able to get some basic information from you and be able to arrange a more detailed analysis including some calculations.

Call out team now for your free initial consultation.