Bad Credit Mortgages with CCJs

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Bad Credit Mortgage with CCJs

What is a CCJ (County Court Judgement)?

When you take out any form of credit, you have an agreement with the creditor to pay back a certain amount, usually each week or each month, against the debt you have with them. When you miss these payments, a default notice will be applied to your credit file. 

After a default, you have fourteen days to rectify the missing payment. Most creditors will then make an attempt to reclaim their money from you, however, if you fail to repay them, they will issue a County Court Judgment or CCJ. Finding a mortgage can be more difficult when you have a CCJ or similar credit issues, however, it is possible, and we can help you to find those lenders who are more likely to consider you.

Can I still get a Mortgage if I have a CCJ?

If you resolve a CCJ within thirty days, it may not appear on your credit file, in which case, 

You’ll have a higher chance of being able to secure a mortgage.

When you do have a CCJ, you may find that there are a smaller number of lenders who are willing to offer you a competitive mortgage deal, however, there are lenders who specialise in helping applicants with a history of bad credit who should be able to help you, so long as you meet the other acceptance criteria.

Does the date of a CCJ matter for a mortgage?

The date that the CCJ was registered is actually quite important to your mortgage application, as the longer ago the issue occurred, the less impact it will have on your credit rating. In fact, if it’s older than six years, then it will no longer appear on your credit file and it will no longer impact your ability to obtain a mortgage.

Some lenders will be more interested in whether or not the debt has been settled, rather than the age of the debt. An unsatisfied CCJ of any age may be seen as worse than a recent, but satisfied CCJ by some lenders.

Can I get a CCJ removed from my credit file?

It is sometimes possible to have a CCJ removed from your credit history before you apply for a mortgage. For example, if you repaid the debt within thirty days, or if you can prove that the reason the payment deadline was missed was not your fault. 

In order to action this, you can request that a ‘notice of correction’ is added to your credit file. It’s important to remember, however, that you must contact each credit referencing agency independently to make this request, as you cannot be sure that they will share this data.

Speak To An Expert

Total Home Loans are a national mortgage broker with whole of market access. Their combined experience of over 50 years in the mortgage and financial services industry means they have an enviable reputation and one which makes them well-placed to find the most suitable mortgage solution for you.

How can I rebuild my credit score after receiving a CCJ?

The best way to repair your credit score is to show that you’re now a responsible borrower. The following tips will help you to do this:

  • Repay your CCJ as soon as possible
  • Don’t take out any further credit
  • Review your credit file regularly for accuracy of address details, defaults etc
  • Ensure that you are registered on the electoral roll at your current address
  • Close old accounts
  • Dissolve financial attachments with others
  • Ensure all bills are paid on time and in full

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Does the size of the CCJ affect my mortgage?

The amount that the size of your debt affects your potential to get a mortgage will vary depending on the lender’s individual acceptance criteria, although larger CCJ’s will generally have some impact on the lending decision. The age of the CCJ is usually of more importance, and can also impact how much of a problem the value will be. 

If your CCJ occurred less than two years ago, then £2,500 is usually the highest debt lenders will consider, whereas if it’s a very recent CCJ, anything above £1,000 could pose a problem. Again, this will vary, so it’s important to seek advice about which lenders will be optimal to approach in your circumstances.

How can speaking to Total Home Loans help me?

Here at Total Home Loans, we have access to a broad spectrum of specialist lenders who consider applicants with adverse credit. If you’ve got a CCJ, there’s a strong chance that we’ll be able to match a lender to your specific circumstances, even if you’ve been turned down elsewhere. 

We’ll make sure that you achieve the most competitive interest rates for your circumstances and find a mortgage that works for you, whether you’re first time buyers, or portfolio property owners.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Kevin Franklin

May 31, 2022


Very professional company. I’m 63 Years old and was having trouble sorting any kind of mortgage but Mark from Total Home Loans saved the day. please do not hesitate to contact them first as I wasted a lot of time hunting around for others.

Well done Mark and the team, the number 1 company.

Lolita Cooksley

May 16, 2022


Very professional fast efficient service and really caring and genuine people to deal with. They have helped us with our mortgage twice and been great both times.

We wouldn’t hesitate to use them again in future.

Karin Salmons

May 16, 2022


Thanks to Total Home Loans and their patience, care and understanding, along with their skill and kindness, my partner and myself are now home owners something I never thought would happen,

Please even if you think it’s not something you can achieve give Total Home Loans a call they will work for you.

Again thank you all at Total Homes Loans.

Arfan Ramzan

May 5, 2022


Great service, I tried so many brokers but no one could help but Total Home Loans were the only ones who found me a lender. It was really hard to find someone, I went to 8 brokers all found online with there so called promising words trying to bring customers in still no good for me but Total Home Loans got the job done, excellent service, will recommend 💯💯💯 and there was no fee till all applications was complete unlike some brokers.

Steve Greenfield

May 4, 2022


Very happy with my experience with Total Home Loans. Very professional company, were always quick to reply and action whatever was needed.

Will definitely be back! I’ve already recommended them to a friend and they had the same positive experience that I had.

Why Total Home Loans?