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Mortgage Lenders That Accept CCJs: Finding Homeownership Opportunities


Having a County Court Judgment (CCJ) on your credit record can make it challenging to secure a mortgage. However, there are mortgage lenders who specialize in working with individuals who have experienced financial difficulties in the past. In this article, we will explore the concept of CCJs, their impact on mortgage applications, and provide insights into mortgage lenders that accept CCJs, opening up opportunities for those seeking homeownership despite their credit history.

Understanding CCJs and their Impact:

A CCJ is a legal judgment issued by a County Court in the UK against individuals who have failed to repay a debt. It typically occurs when creditors take legal action to recover outstanding amounts owed. Having a CCJ on your credit record can significantly impact your creditworthiness and make it more challenging to access financial products, including mortgages.

CCJs can stay on your credit record for six years from the date they were issued, making it crucial to address and resolve any outstanding judgments before applying for a mortgage. However, even with a CCJ, it is still possible to find mortgage lenders who are willing to work with individuals in these circumstances.

Mortgage Lenders that Accept CCJs:

  • Specialist Mortgage Lenders
    Specialist mortgage lenders focus on providing mortgage products to individuals with adverse credit histories, including those with CCJs. These lenders have specific expertise in evaluating credit risk and may offer more flexible lending criteria for applicants with a CCJ on their record. They understand that financial difficulties can arise due to various circumstances and take a holistic approach to assess an individual’s creditworthiness.
  • Subprime Mortgage Lenders
    Subprime mortgage lenders cater to borrowers who have experienced financial setbacks, including CCJs. These lenders specialize in offering mortgages to individuals with lower credit scores or adverse credit histories. While subprime mortgages often come with higher interest rates and fees, they provide an opportunity for individuals with CCJs to secure a mortgage and potentially improve their credit standing over time.
  • High-Street Lenders with Specialist CCJ Products
    Some high-street lenders may also offer specialist mortgage products designed for applicants with CCJs. These products typically have more stringent eligibility criteria, and the interest rates may be higher compared to standard mortgage products. However, they can still be an option for individuals who prefer to work with established lenders.

Factors to Consider:

While there are mortgage lenders that accept CCJs, there are several factors to consider when applying for a mortgage with a CCJ:

  1. Severity and Recency of CCJs
    Lenders may have different thresholds when assessing CCJs. Some may be more lenient towards smaller or older judgments, while others may consider the overall creditworthiness of the applicant. It’s important to understand each lender’s specific criteria to identify those most likely to consider your application.
  2. Deposit Requirements
    Having a larger deposit can enhance your chances of securing a mortgage, even with a CCJ. Lenders may be more willing to approve a mortgage application if you can provide a higher deposit, as it demonstrates your commitment and reduces their risk.
  3. Specialist Mortgage Advice
    Seeking advice from a mortgage broker who specializes in adverse credit mortgages is highly recommended. These professionals have extensive knowledge of the mortgage market and can guide you through the application process, helping you find suitable lenders based on your specific circumstances.

Improving Your Mortgage Prospects:

If you have a CCJ and are looking to improve your chances of securing a mortgage, there are steps you can take:

  1. Resolve Outstanding CCJs
    Paying off or settling any outstanding CCJs can demonstrate your commitment to addressing past financial issues. This can positively impact your creditworthiness and increase your chances of approval.
  2. Rebuilding Your Credit History
    Building a positive credit history after a CCJ is crucial. This can be done by ensuring timely payments of current debts, keeping credit utilization low, and avoiding further financial issues.
  3. Saving for a Deposit
    Saving for a larger deposit can improve your prospects when applying for a mortgage. It shows lenders that you have financial discipline and reduces their risk.


Having a CCJ on your credit record does not necessarily mean you are excluded from obtaining a mortgage. There are specialist mortgage lenders who understand the challenges individuals with CCJs face and are willing to work with them. By understanding the options available, considering factors such as severity and recency of CCJs, and seeking specialist advice, you can explore homeownership opportunities and take steps towards achieving your goal of owning a property, even with a CCJ on your record.

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