Having a County Court Judgement (CCJ) registered against your name is a serious sign to many lenders that you could present a risk as a borrower. However, it doesn’t mean you can’t get a mortgage, and even those applicants with a CCJ from 2019 could still get onto the property ladder.

Can I get a mortgage with a CCJ from 2019? Yes, it is possible to get a mortgage with a CCJ from 2019. It will stay on your credit file for 6 years, even if it’s satisfied. But there are still specialist mortgage lenders prepared to lend to people with bad credit.

How our advisers can help

We have a large panel of specialist mortgage advisers who help people with bad credit issues, defaults, and CCJs registered against them (find out more). Our advisers have an in-depth knowledge of the bad credit mortgage market, as well as access to a range of lenders prepared to lend to applicants with a CCJ on their credit file.

With the support of our advisers, you could get accepted on a mortgage with a CCJ from 2019. The fact that your CCJ is now over 3 years old puts you in an even better position, as many of the lenders our advisers work with offer less strict lending criteria once a CCJ has aged – as long as there has been no further default or bad credit since that point.

High street lenders are stricter though, which is why it’s important to work with a specialist adviser who can help you prepare an application to the right lender to suit you.

If you want to know if you can get a mortgage with a CCJ from 2019, contact us today for a free initial consultation. Compete the enquiry form or call our number at the top of the website.

Can I get a mortgage with a CCJ from 2019 or not?

When the credit crunch and recession hit, many of the high street lenders drastically changed the way in which they were prepared to lend.





Whilst many of them decided to withdraw their sub-prime mortgage products, a new range of lenders came into the market who were prepared to offer home loans to people with bad credit history.

By 2014 there was a collection of specialist mortgage lenders, offering 119 different types of mortgages, many of which could be accessed by people who had a CCJ against their name.

What this now means for you is that there is a lot of competition in the market, and with the support of one of our advisers, it might be possible for you to get a mortgage, despite your CCJ from 2019.

To get started contact Specialist Mortgage Online today where you can take advantage of an initial free consultation to find out what your options could be.

What will mortgage lenders want to know?

Any person who applies for a mortgage will have their application treated individually, but for those with CCJs from 2019, there are additional factors to consider. This can 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?

The most important one will be on what date the CCJ was registered in 2019.

Due the time that has passed, it is now over 3 years ago that your CCJ was placed on your credit file. That is very advantageous, as the lenders our advisers work with will be more prepared to consider you for a home loan due to the time that has passed.

If you have paid and satisfied the 2019 CCJ, that will also help you. It demonstrates to the mortgage lender that you have taken steps to improve your financial and credit history and could open up more options to you.

Despite that, even if your 2019 CCJ is still not paid, the fact that’s it over 3 years old still means you might be able to find a lender prepared to accept your application.

For more information on how our advisers can help with mortgages for people with satisfied CCJs click here.

What type of mortgage can I get?

Our advisers might be able to help you get a mortgage with a CCJ from 2019, with the scenarios that are most common including:

  • First time buyer mortgages
  • Self-employed mortgages
  • Buy to let mortgages
  • Shared ownership mortgages
  • Joint mortgages
  • Help to buy schemes

How much deposit will I need?

In many cases, you might have to pay a higher interest rate due to your bad credit history. This isn’t the only possible restriction, all of which our advisers will tell you about, as you might also find that:

  • You might need a larger deposit if you have a CCJ and bad credit on your credit file.
  • The mortgage interest rate could be higher as lenders will consider you more of a risk.
  • You might also have to pay arrangement fees that are higher than the high street lenders are offering.

When you talk with our advisers, they will take some initial information from you which will help them to calculate your options, and which lenders you could apply to.





What is a CCJ?

A CCJ is the shortened-term for County Court Judgement. They are court orders issued in England, Wales and Northern Ireland, sometimes called a County Court Summons if you are in Scotland.

CCJs are registered against you if you owe money from a financial agreement such as a loan or credit card. The CCJ will have been filed by the company or organisation to whom you owe money to, as they make a claim to recover their losses.

When you receive a letter of this type it can be very worrying, but if paid off in the first 30 days of it being issued, it won’t end up on your credit file or the public register.

If you cannot pay the CCJ amount in full inside of 30 days of it being registered, you could be placed onto a repayment schedule, and the CCJ will be listed on your credit file.

It will remain on file for 6 years, and even if you pay it off (which is called a satisfied CCJ), it will still appear on your credit file.

How will a CCJ affect my mortgage chances if listed on my credit file?

By the point you receive a CCJ, it’s likely that you are already in bad credit, as defaults will have been previously issued against your name.

During the 6 years it’s on your credit file, a person or company can pay a small fee and check the public register, with financial institutions also being able to credit check you on it.

This can harm your chances of taking out further credit during this 6-year period.

But, once the 6 years has passed, the details of the CCJ will be expunged from the public register as well as your credit file. And that applies even if you didn’t pay off the debt amount.

The majority of high street mortgage lenders will see a person with a CCJ from 2019 as being too much of a risk.

However, our advisers have access and knowledge of specialist mortgage lenders who are less strict with their loan criteria scoring, meaning you could still get a home loan.

To find out how our advisers can help you, contact us today for some initial free advice on how a CCJ from 2019 could impact your mortgage chances. They are specialists in helping people with bad credit get a mortgage. 

Can I remove a CCJ from my credit file?

Yes, you can, with the quickest method being full payment of the total amount within the 30 days of the CCJ being registered. If you did that, then CCJ from 2019 won’t have been added to the public register and your credit file.

When doing this, you need to prove the payment has been made when applying for a certificate of cancellation from the County Court. This tends to have a small charge associated to it but can be waivered for people on low incomes.

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.

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 – FALSE
  2. Ignore the CCJ, don’t pay it, and it will go away – FALSE
  3. If you move abroad the CCJ won’t affect you – FALSE

What to do next…

If you want to get a mortgage with a CCJ from 2019 then please contact our friendly and specialist team today. They will ask you a few simple questions to better understand your circumstances, offering an initial free consultation.

Call Specialist Mortgage Online today to arrange your initial free consultation so you can better understand what your mortgage chances and options could be.