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MORTGAGECONNECTOR

Prepare the file

Mortgage after a CCJ

A county court judgment is a fact on the file, not a score this site can turn into an approval chance. Enter the amount, date and whether it is satisfied. The result is a preparation list.

What a broker is likely to need

  • The judgment amount: £500.
  • The judgment date: the date you enter.
  • Status recorded here: satisfied.
  • Deposit context: 10% of the purchase price.
  • The court reference and any certificate of satisfaction or set-aside order.

This list does not estimate an approval probability, a waiting period, or a lender.

What this page will not do

  • Satisfied does not mean every lender ignores the judgment.
  • A small CCJ and a large CCJ are both facts. This site does not rank them.
  • Check the record on your statutory credit files before the appointment so the dates match.
  • It will not name a lender, a product, or an approval chance.

Questions

How long after a CCJ can I get a mortgage?
There is no single waiting period MortgageConnector can quote. Lenders set their own criteria, and a broker has to apply them to the actual file.
Does satisfying a CCJ remove it?
Satisfying a judgment updates how it is reported. It does not guarantee a lender will ignore it. Ask the broker what evidence of satisfaction they need.
Will you tell me my chances?
No. An approval probability would be a lending judgement. We can introduce you to an FCA-authorised broker who can assess the case.

MortgageConnector provides free mortgage research and calculators. If you want personalised advice, we can introduce you to an FCA-authorised mortgage broker. We do not provide regulated mortgage advice ourselves.

The matching service is free for you. Partner brokers pay MortgageConnector for introductions. If you ask for an introduction, the details you submit are shared with the selected partner. The broker is responsible for regulated advice. Check the firm on the FCA Register.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Want a broker to look at your own numbers?

An FCA-authorised broker can look at your income, credit and the property. MortgageConnector will introduce you. We do not recommend a mortgage.

Match me with a broker experienced in adverse credit