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  • Writer's pictureMatthew Pigrome

Getting a Mortgage with a County Court Judgement (CCJ)

Updated: Nov 6, 2023

A County Court Judgment (CCJ) on your credit file can make securing a mortgage seem like an uphill battle. However, at Mortgage321, we understand that life can throw unexpected financial challenges your way. We're here to tell you that having a CCJ doesn't mean your dreams of homeownership are out of reach.

In this advice and tips blog post, we'll explore what a CCJ is, how it affects your mortgage application, and how Mortgage321 can connect you with lenders who are willing to accept CCJs and offer competitive mortgage rates.

How Mortgage321 Can Help
Understanding Mortgages with CCJs

Understanding County Court Judgments (CCJs):

A CCJ is a court order issued against an individual who has failed to repay a debt. It is a legal declaration that you owe a specific amount to a creditor, and it can have a significant impact on your credit file. CCJs can arise from various sources, such as unpaid bills, loans, or even unresolved disputes. Once a CCJ is registered, it stays on your credit report for six years, which can make securing credit, including a mortgage, more challenging.

The Impact on Mortgage Applications:

Lenders use your credit history to assess your creditworthiness when you apply for a mortgage. A CCJ on your record can raise concerns for lenders, as it suggests a history of financial difficulties. This can result in higher interest rates, larger deposits, or even flat-out rejections from traditional lenders.

How Mortgage321 Can Help:

Mortgage321 specialises in finding solutions for individuals with credit challenges, including those with CCJs. We have access to a network of lenders who are more understanding of your circumstances and are willing to work with you.

Here's how we can assist you:

  1. Lender Connections: We have established relationships with lenders who are experienced in dealing with CCJ cases. These lenders are more likely to consider your application on its individual merits, rather than solely relying on your credit score.

  2. Tailored Solutions: We work closely with you to understand your financial situation and mortgage needs. By taking a personalised approach, we can identify lenders who are the best fit for your circumstances and can offer competitive mortgage rates.

  3. Expert Advice: Our team of experienced mortgage advisors will guide you through the entire process. We'll provide valuable insights, help you prepare a strong application, and assist in addressing any concerns or questions you may have along the way.


While a CCJ on your credit file may present challenges, it doesn't have to stand in the way of your homeownership goals. Mortgage321 is here to help you navigate the complexities of mortgage applications with a CCJ. Our access to understanding lenders and expert guidance ensures that you can explore competitive mortgage options tailored to your unique situation.

Don't let a CCJ hold you back from securing the home you desire.

Contact us today to discuss your mortgage needs and take the first step towards homeownership.


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