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CCJ mortgages

If you are looking to secure a mortgage, but have been issued a CCJ (County Court Judgement), you may find it more difficult to track down a deal that suits your circumstances. However, with support and guidance from the team here at CLS Money, it may be possible to either remortgage or buy a new home sooner than you think.

A CCJ is a court order made in England, Wales or Northern Ireland that can be registered against you, if you fail to make the agreed repayments on a finance plan. There’s no hiding from these kinds of marks on your credit record because CCJ information is in the public domain. A lender will be able to see straight away whether or not you owe, or have owed, another party money and have failed to settle your debts on time, and this could affect your chances of being accepted for a mortgage.

When it comes to applying for a mortgage with a CCJ, your success rate largely depends on how long ago the CCJ was issued. It takes six years for a County Court Judgement to disappear from your credit report. However, mortgage companies will view you more favourably, if the judgement was registered more than three years ago. Lenders are also more likely to consider you for a mortgage if you only have one CCJ. If you have multiple court orders or the value of the CCJ is/was high, you may still be able to get a deal. But you may have to accept a lower Loan to Value (LTV).

So, depending on the amount of your CCJ, how long ago it was registered and whether or not your CCJ has been satisfied, we may be able to source you a product to suit your needs, its often the case you may also be eligible for a wider range of mortgage products than you initial thought – you just have to know where to look.

Contact CLS Money today to discuss your options with one of our experienced CCJ mortgage specialists.

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6 reasons to choose CLS Money

  • Mortgages that suit you

    Mortgages that suit you

    No matter your circumstances, we are here to get the right mortgage for you.

  • Appointments at your convenience

    Appointments at your convenience

    We can meet you seven days a week from 8am to 8pm at a place that suits you, whether it be at your home, place of work or our offices.

  • Free of charge, no obligation advice

    Free of charge, no obligation advice

    Our advice is completely free and there is no obligation to proceed with us if you are not entirely satisfied with the mortgages we recommend

  • At your side

    At your side

    We handle the entire mortgage application process through to completion, liaising with your lender, solicitor and estate agent to deliver a smooth, stress-free experience

  • With you all the way

    With you all the way

    As a responsible broker, we want your mortgage to always be the best fit for you. So when it's time to review it, we will be here to help.

  • Protecting what matters most

    Protecting what matters most

    We provide tailored life and home insurance solutions, so you can be assured that your loved ones and possessions are protected.

How it works

3 simple steps to securing a mortgage with CLS Money

  • Enquire

    Complete our quick and easy form to see the available mortgage products that suit you

  • Apply

    We will handle all the necessary paperwork and manage your entire mortgage application

  • Complete

    Start enjoying the benefits of your new mortgage

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