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By Pete Mugleston | Mortgage Advisor

Pete has been a mortgage advisor for over 10 years, and is regularly cited in both trade and national press.

Updated: 11th January 2021*

There is a misconception that people are not able to get a mortgage with a newly registered CCJ. This is absolutely not true as you can see from my response to Johns question below.


Hi Pete,

I’m planning to apply for a mortgage soon but recently had a county court judgement (CCJ) registered against my name. I understand that this means I’d be classed as having bad credit and this could make it more difficult for me to get approved.

The judgement is for £1,000 and I have saved 20% deposit so far. Are there lenders who might offer me a mortgage under my current circumstances, or will I need to delay my plans until the debt has been settled and I’ve saved up more deposit.

Thank you,

John, Ipswich


Hi John,

Thanks for getting in touch. There could well be mortgage options available to you as things stand. While it’s true that most mortgage lenders prefer customers to settle their CCJ before they apply, there are a minority of specialist mortgage providers who will consider applications like these on a case-by-case basis.

It’s also the case that lenders prefer you to wait at least two years from when the issue was registered, but again, flexible lenders may take a broader view of your application.

One thing that will work in your favour is that your CCJ is for a relatively short amount. Since the debt is no more than £1,000, some lenders might be willing to overlook the fact that it was only registered within the last 12 months.

You could boost your chances of approval by putting down extra deposit. The 20% you have saved so far will likely give you a few lender options, but waiting until you have amassed 25-35% will see those options increase and potentially give you access to better interest rates.

In summary, there may be mortgage options available to you right now from specialist lenders, but waiting until your CCJ has been settled and you’ve built up more deposit will increase the number of approachable lenders.

Either way, you should talk to a specialist bad credit mortgage broker before you apply, as they will make sure you’re matched with the right lender for your needs and circumstances.

Many thanks,

Pete Mugleston

I answer more questions about CCJ’s and mortgages here:

Updated: 11th January 2021
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FCA disclaimer

*Based on our research, the content contained in this article is accurate as of most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs. Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.