County Court Judgment (CCJ)
A court order to pay a debt; stays on credit file 6 years.
Full definition
A CCJ is a court order to pay a debt. It is recorded on the Register of Judgments and on your credit file for 6 years. CCJs significantly impact mortgage applications; specialist lenders place CCJ cases, with rate and deposit penalties depending on size, age, and whether the CCJ is satisfied. See our Bad Credit Mortgage guide.
How this affects you
Whether county court judgment (ccj) is relevant to your mortgage depends on your circumstances — lender, product, deposit, employment, credit profile, and stage of application. An FCA-authorised mortgage broker will tell you exactly where it applies to your case.
Ready to talk to a broker?
An FCA-authorised UK mortgage broker can explain where county court judgment (ccj) fits into your specific application — free.
Get matched with a broker