We speak to clients all the time that have ended up with a County Court Judgement (CCJ) and sometimes they didn’t even know they had one until they were declined for a mortgage. It can be quite difficult if not impossible to remove a CCJ from your credit report once it is on there.
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CCJs are no longer viewable on your credit report after 6 years but it is possible to get a mortgage before they actually disappear. The longer ago it was registered the easier it will be but you can expect to put down a higher deposit than usual if your credit score has been adversely affected. Apply now, for a free mortgage appointment. Once you get in touch, as a mortgage broker, it's our job to help you try and get a mortgage with a CCJ.
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Derek
They were great when handling our mortgage application even though it was a bit different to the normal one. Highly recommended
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Michelle
The team at UK Moneyman have been excellent, really informative, providing sound advice with no judgement and supporting the best possible way forward for myself. I would definitely use the team again, they’ve made the whole process simple and...
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Great company to work with, very helpful and excellent communication. Chris and Jo did a great job with our application. I highly recommend.
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Excellent speedy service and always available to work around the best times for us, including calls at weekends
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Having dealt with Leo previously I knew I would be getting a brilliant service and a good deal.
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Very helpful.Quick response to any questions or concerns. Selected the right product to meet our requirements.
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Stephen
We went to the Moneyman to start with regarding a new mortgage only which went really smoothly and everything was explained in simple terms at our request Malcom made it feel at ease . Once i had the confidence with them we asked them to help with...
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Jenna was very quick to sort out my mortgage, it was very straight forward and easy.
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UK money man are excellent and have walked me through every stage of both the initial mortgage process and the remortgage two years later, couldn’t recommend them enough!!
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Matt Collinson and Meghan Robinson were absolutely wonderful. Provided updates, always avaliable and dealt with our mortgage so quickly! We had a mortgage offer within 2 and a half days and they sorted it all. Absolutely over the moon and would...
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Babak
So fast and brilliant services which surprised us and the agent by receiving the mortgage offer less than one week. Malcolm is very responsive
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Alistair
We used UK Moneyman for our first mortgage back in 2021. When it came to remortgaging, we confidently used their services again. Chris has been fantastic at reassuring us around the changes in interest rates and explaining everything clearly. Meghan...
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Hannah
The whole team at UK Moneyman have been so friendly and helpful, whilst also providing an excellent service and securing me a mortgage offer really quickly. Even when there were questions and changes, they went over and above to help and always came...
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Sarah
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Brooke
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Khristopher
Malcolm and Meghan did a great job with my application which due to a chain breaking down had to be done for two different properties, was kept informed throughout and they made me aware of changes in the market i didn't know about. Would happily...
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Hilary
Matt and Wendy worked tirelessly and creatively to reach a great mortgage outcome for me in what was a less than straightforward journey. The commitment and advocacy was fist class and communication, always excellent. Matt really earned his broker...
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Nina
I'm very happy with the services UK Moneyman have been providing during my buying process so far. I'm a first-time buyer so it was very important to me to have a mortgage broker who could answer all my questions in a timely and professional manner....
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Great team who works to get you exactly what you need, they made the whole process smooth and painless, so I would highly recommend them.
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I honestly couldn't have asked for a better service with UK Moneyman! I have been working with Charlie and Wendy! They have been SO helpful throughout the whole process and so supportive, never a hassle for them when I've been bombarding them with...
5 months ago
A County Court Judgement (CCJ) is a court order in England, Wales and Northern Ireland that you may find registered against you, should you fail to repay money that you owe to a creditor. A CCJ can only be pursued by a creditor when they have exhausted all of their other options for making things right with their borrower.
When you receive a CCJ, you will get a short window of opportunity in which you can pay it off and have it removed from your credit file. The court will give you 30 days to pay back the amount owed. If you manage to meet this then the court will approach the registry to get the CCJ removed from your credit file. If you fail to pay back the money that you owe, you will have a permanent record of a CCJ on your credit file for 6 years.
If you have paid back your debt, you will have a satisfied CCJ. If you do not pay the debt that you owe, you will have what is called an unsatisfied CCJ. Generally speaking, the longer the length of time that has passed since your CCJ was issued, the better a chance you will have of obtaining a mortgage, whether your CCJ is satisfied or not. If your CCJ is a lot more recent, say within the last year or two and is unsatisfied, obtaining a mortgage may be a lot more difficult.
The amount of CCJs you have attached to your credit file can also have an impact on your chances of mortgage success. If you have one or two CCJs and a larger deposit of perhaps around or above 25%, you may have a better chance of being accepted by a mortgage lender. Any more than one or two, especially if they are more recent CCJs, you would need a rather substantial deposit to find mortgage success. It is very likely in this case that you would be immediately declined by a mortgage lender. Some mortgage lenders out there will also have a cap in place, meaning they will only lend to applicants who have below a certain amount of CCJs. You could have a sufficient deposit, but if you have passed their cap, you won't find much success there.
Your CCJ will stay around on your credit file for 6 years from the date that it was issued, so to increase your credit score, you will need to show improvement and reliability. We would recommend that you minimise your applications for further credit and always keep up-to-date with your ongoing financial commitments. It’s also good practice to check your credit report regularly and make sure that all of your details are correct.
If you want to dispute a CCJ and want to re-open the case against you, you will need to make sure that you can supply enough evidence to why you shouldn’t have been issued a CCJ in the first place. You can appeal the CCJ by completing a N244 form. The fee will be quite large for them to reopen your case, however, if the court agree that you shouldn’t have been issued the CCJ, it will be removed from the register altogether.
The maximum length that a CCJ will stay on your credit file for is 6 years. After this point, it will no longer appear on your credit file. The impact on your ability to get accepted for a mortgage depends on how long ago the CCJ was issued and the amount that is owed.
A mortgage broker like us has access to specialist mortgage products, some of which have been made for applicants with CCJs. We will be able to review your CCJ, seeing how recently that you were issued the CCJ in question and check whether or not you will be able to obtain a mortgage or remortgage. If you match the criteria for a mortgage, you may need to put down a higher deposit to show your reliability; our advisors will talk you through all of this.
We understand that everyone's lifestyle is different which is why our team are available when you are.
There is no hidden or additional fees upfront. Once we have successfully helped you, that's when we request the payment.
With a dedicated case handler by your side, you will always know who you are dealing with throughout the process.
Obtaining a mortgage with adverse credit can be difficult, however, our team can look into your case and provide a plan that could improve your credit score and potentially increase your chances of obtaining a mortgage.
We will try and find an insurance product to run alongside your mortgage so that you are protected in the future.
Our team has access to specialist lenders who may offer mortgage products suitable for circumstances with adverse credit.
Our team are experienced in dealing with many self-employed cases and can provide you with the support and advice you need to help back up your application.
Going through the mortgage journey as a self-employed applicant can be quite a challenge. Our mortgage advisors utilise their experience within the mortgage industry to overcome any obstacles you may experience.
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UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
