Can I Get a Mortgage with a CCJ?

If you’ve ever had a County Court Judgment (CCJ) against you, it can feel like the end of the road when it comes to buying a home. But here’s the good news: yes, you can still get a mortgage with a CCJ - it just takes a bit more planning and the right support.

 

What Is a CCJ and How Does It Affect Mortgage Applications?

A CCJ is issued when you fail to repay a debt and the creditor takes legal action. It stays on your credit report for six years and can damage your credit score, which often makes lenders more cautious.

However, not all CCJs are seen in the same light. Lenders will look at:

• How recent the CCJ is - older CCJs are less concerning than recent ones

• Whether it’s been paid - settling the debt shows responsibility

• The amount involved - small CCJs (e.g. parking fines) are treated differently to large unpaid loans or credit cards

• The reason behind it - a one-off mistake is more forgivable than signs of ongoing financial trouble

Lenders want to understand the context and whether you've taken steps to improve your financial habits.

 

Can You Get a Mortgage with a CCJ?

Yes, it’s possible - even with an active CCJ. Your chances improve if:

• The CCJ is satisfied or nearing expiry

• You have a good track record since the judgment

• You can offer a solid deposit

• Your income and outgoings show financial stability

Some high street lenders may decline your application, but there are specialist mortgage lenders who work with people with adverse credit histories. These lenders consider your overall financial situation, not just your credit file.

You may face higher interest rates or be asked for a larger deposit, but they offer a route forward when others say no.

How Klink Can Help You

This is where Klink steps in. Klink is a home-buying app that connects to your bank accounts and helps you understand how your finances look from a lender’s perspective.

If you’ve had a CCJ, Klink can help you:

• Build better money habits

• Spot risky spending or missed bills

• Track your mortgage readiness over time

• Understand what lenders are looking for - and how to meet it

With the Mortgage Readiness Check, Klink gives you tailored feedback and clear next steps, so you can move forward with confidence.

Tips for Getting a Mortgage with a CCJ

If you’re serious about buying a home after receiving a CCJ, here’s what to focus on:

• Settle the CCJ if you haven’t already

• Show steady, responsible financial behaviour

• Avoid taking on new credit or unnecessary debt

• Save consistently and aim for a higher deposit

• Consider working with a mortgage broker who specialises in credit challenges

A CCJ Doesn’t Mean the End

Getting a mortgage with a CCJ isn’t always easy - but it is possible. With patience, a clear strategy, and the right tools, you can still achieve your homeownership goals.

Download Klink today to take control of your finances and start building a mortgage-ready profile, one step at a time.