CCJ & Guarantor Mortgages

Posted on 29 June 2016 by byron

I have a ccj on my record and I am struggling to get a mortgage. Could I get a mortgage if I had a guarantor or would this not matter?

Hi Byron

I do not think a guarantor will make any difference to your ability to get a mortgage. Lenders will usually accept a guarantor where the main applicant can not quite afford the current monthly repayments, but there is every indication that they will in the reasonable future. They are not used where an applicant's poor credit record is preventing them getting a mortgage.

This doesn't mean that it is not worth still looking for a mortgage and depending on the size of your CCJ, when it was registered and whether or not you have settled it we might be able to help you. Please call 0344 346 3672 and speak to one of our independent mortgage advisers about your situation.

Answers provided in response to Ask the experts 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.


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