Will I still be able to have a mortgage with CCJ's on my record?

Answered on 4 February 2019

I have several CCJs and looking to apply for a mortgage – will I still be able to apply for a mortgage?

There are very few lenders at the moment who are willing to consider mortgage applications from people with recent credit problems.

There is currently one lender who will consider a mortgage of up to 60% of the purchase price if no CCJs have been registered in the last 2 years.  This would mean putting down a large deposit and waiting to apply. Even then there is no guarantee that a mortgage offer would be forthcoming. An alternative lender will go as high as 80% LTV, but the CCJ's have to have been satisfied for at least 6 months before you can apply.

Without knowing the reasons behind why the CCJ's were registered, your current credit record and whether anything in your circumstances has changed I cannot give you a definitive answer and I recommend that you get a copy of your credit report from one of the major Credit Reference agencies: Experian, Equifax or Callcredit, the maximum cost to see your statutory report is £2 and you can view it online or get a copy by post, and then call 0330 433 2927 to speak to one of our consultants, they will then be able to advise you on your situation.

Equifax Ltd

Credit File Advice Centre

PO Box 1140



0844 335 0550


Callcredit Plc

Consumer Services Team

PO Box 491



0870 060 1414


Experian Ltd

Customer Support Centre

PO Box 8000


NG80 7WF

0844 481 8000


Ask The Mortgage Experts answers are based on the information provided and do not constitute advice under the Financial Services & Markets Act. They reflect the personal views of the authors and do not necessarily represent the views, positions, strategies or opinions of John Charcol. All comments are made in good faith, and John Charcol will not accept liability for them. We recommend you seek professional advice with regard to any of these topics where appropriate.