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Get a Mortgage Quote Mortgages with CCJ's -Advice, mortgages, information and guides from mortgage brokers. If you have CCJ's lodged against you, obtaining a mortgage can be more difficult. Find advice, information and guides on mortgages with CCJ's, information on poor credit and bad credit mortgages, advice on mortgage arrears, guides on mortgages with county court judgements and solutions for bad credit mortgages through specialist mortgage brokers. A County Court Judgement (CCJ) is a judgement made against you by a County Court in respect of an unpaid debt.

People end up with CCJs against them for all sorts of reasons. Often it is through no fault of their own. It might only take a month or so off work through redundancy or ill-health for someone to fall behind with payments on a loan or other debt, and end up being taken to court and having a County Court Judgement registered against them.

All CCJ's are recorded and a note of the CCJ will be shown on your credit record. The only exception is if you pay off the debt in full within thirty days of receiving the CCJ judgement from the County Court.

The Register of County Court Judgements holds publicly available records of all CCJs and if you get a CCJ this will remain on the Register of County Court Judgements for six years.

Even once you have paid off the debt that you got the CCJ for, your CCJ will still appear on this Register of County Court Judgements, but it will be marked as satisfied.

Even a satisfied CCJ is likely to stay showing on your personal credit record and will mean you have a bad credit history when it comes to trying to get a mortgage.

So getting a mortgage with CCJs is not easy. In fact, getting a mortgage with a CCJ can be very difficult.

However, as with all credit problems, there are mortgage lenders who are willing to consider offering a mortgage or remortgage to people with CCJs.

In most cases, the mortgage consultants who work with Clean Slate Mortgages can usually help people who are trying to obtain a mortgage with CCJs. As specialist mortgage brokers, they have a good knowledge of which mortgage lenders will offer mortgages to people with one or more CCJs.

So, if you have got CCJs or other forms of bad credit, but need to try to get a mortgage or remortgage, please use our enquiry form to contact a mortgage broker from our panel of specialists mortgage consultants.


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