Settled CCJ Mortgage
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Settled CCJ Mortgage
Sam Hubbard explains how the mortgage process works if you have a settled County Court Judgment (CCJ).
Can I get a mortgage with a settled CCJ? How long after a settled CCJ can I get a mortgage?
Yes, absolutely. A satisfied CCJ doesn’t automatically stop anybody getting a mortgage. There are many lenders that will consider situations like this.
Depending on the size of the CCJ and how long ago it was, some mainstream lenders may even look at it too.
In terms of the timing, it varies. There are lenders that will accept applications relatively soon after a CCJ has been satisfied, although most high street banks would prefer to see it to have been cleared a minimum of 12 to 24 months in the past. They like to see clean credit behaviour since, to demonstrate that things are under control.
How will a settled CCJ affect my mortgage application? Is there anything else to add around this?
The summary really is to expect fewer product options and lender choices. There could also be higher rates. A settled CCJ that’s still on your credit file will have some impact.
What lenders really want to see after the CCJ has been settled is evidence
that the issue is behind you and everything is now OK. As time goes by you’ll have better chances of a good rate.
How does a settled CCJ affect your credit score when applying for a mortgage?
A CCJ will remain on public record for six years from the judgment date, even if it’s been paid. But marking it as satisfied helps your credit score recover more quickly and is viewed more favourably by lenders than an unpaid CCJ.
So if you happen to have a CCJ, get it settled as quickly as you can, because your credit profile will improve sooner.
How much deposit do I need for a mortgage if I have a settled CCJ?
It comes back to the variables we’ve talked about. The deposit can be as low as 5%, depending on the size of the CCJ, whether it’s been settled and how long ago it was.
If the CCJ is larger, not settled and fairly recent, you may be looking at a deposit of 15% to 25%, depending on the relevance of those factors.
These things are all variable. If you’re in this situation, chat it through with a professional so that we understand how it came about. We have good relationships with lenders and can discuss your case with them. They do make exceptions to the rules and there may be a way around it.
How much can I borrow for a mortgage with a settled CCJ?
Lenders base the amount you can borrow on affordability. It may be that they apply a slightly lower income multiple if there have been recent credit issues. So, instead of going up to five or even six times your income, they may restrict you to 3.5 times.
Invariably, it comes down to the lender being comfortable with the amount they are offering you, and that you can afford it. It’s a woolly answer – essentially, it all depends on each individual situation.
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Can I get a settled CCJ removed to improve a mortgage application?
Only in limited circumstances. Generally, if you have a CCJ and pay the full amount within a month of the judgment, you can avoid it being registered. If it’s after that month, it will stay on the register. But once you’ve paid, it shows as satisfied.
Which mortgage lenders accept settled CCJs?
There are lenders in the UK that consider situations like this. They are normally lenders that the general public haven’t heard of like Precise, Bluestone, Pepper and Together – all of which have an appetite for this market.
We’re seeing more and more new lenders come to this market in recent years and getting into these niche areas. It changes as their appetites change, so it’s always good just to chat the situation through and find the right solution for you [information correct at the time of recording in October 2025].
How do I improve my chances of getting a mortgage with a settled CCJ?
Once it’s settled, work on your credit profile. Keep all payments up-to-date and make them on time. Reduce any debts – if you’ve got credit cards or finance, try to reduce that down.
A simple thing is to register on the electoral roll. Lenders like to make sure you’re registered where you live and this will strengthen your credit profile. Build up consistent savings, because that demonstrates you’re financially sound.
Also, it’s good to be able to document how the CCJ came about. There could be a legitimate reason for it, or a situation in life like the loss of a job. Evidence of that will strengthen your situation when you come to want to borrow money.
You’ve demonstrated how a mortgage broker can help. Have you got anything else to add?
I think we’ve covered it all, for once. But we are always here to assist, and there are other episodes on CCJs you can listen to for more information if you need it.
Key Takeaways:
- A satisfied CCJ does not automatically prevent you from getting a mortgage; there are lenders that will consider such situations, depending on the CCJ’s size and age.
- The timing for mortgage applications after a settled CCJ varies; some lenders accept applications relatively soon, though high street banks prefer 12-24 months of clean credit behaviour.
- A settled CCJ will likely result in fewer product options, limited lender choices, and potentially higher interest rates, but demonstrating that the issue is resolved and time passing will improve your chances of better rates.
- A CCJ remains on public record for six years, even if paid, but marking it as satisfied helps your credit score recover faster and is viewed more favourably by lenders.
- To improve your chances of getting a mortgage with a settled CCJ, focus on improving your credit profile by making timely payments, reducing debts, registering on the electoral roll, building consistent savings, and documenting how the CCJ occurred.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS.