Obtaining a mortgage with a 5-year-old County Court Judgment (CCJ) can be challenging, but it’s not impossible. A CCJ is a public record of a court judgment against you for an outstanding debt.

In this article, we will explore the steps you can take to improve your chances of securing a mortgage, despite having adverse credit on your file. We will cover topics such as credit reports, mortgage applications, specialist lenders, credit scores, eligibility criteria, and valuable advice relevant to your current financial situation.

Understanding Your Credit File and Credit Report:

When applying for a mortgage, lenders will assess your credit file and report to evaluate your creditworthiness. It’s essential to obtain a copy of your credit report from credit reference agencies such as Equifax, Experian, or TransUnion. Review the report carefully to ensure its accuracy. Check for any potential issues, such as errors, that could negatively impact your credit record and address them with the relevant credit reference agency. Ensure you pay off any outstanding debt like credit card payments in order to avoid a poor credit score and retain an acceptable credit history.

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Seeking Specialist Lenders and Mortgage Advisors:

To increase your chances of mortgage approval, it’s advisable to work with specialist lenders and experienced mortgage advisors. These professionals have extensive experience helping individuals with credit issues and can guide you through the mortgage application process. They have access to deals specifically designed for applicants with CCJs or poor credit history, helping you find an affordable deal that suits your personal circumstances.

Improving Your Credit Score and History:

While a 5-year-old CCJ may still affect your credit score, there are steps you can take to improve your creditworthiness. Focus on paying bills and existing debts on time, including any outstanding amounts from the CCJ. Consistently demonstrating responsible financial behaviour will gradually improve your credit score over time. Being on the electoral roll, closing unused credit accounts, and minimizing credit applications can also have a positive impact on your credit rating.

Understanding Lender Criteria and Eligibility Requirements:

Each mortgage lender has specific criteria and affordability requirements. Working with a specialist mortgage broker can help you navigate these requirements effectively. They will match you with potential lenders based on your individual circumstances and credit status, expanding your pool of options beyond traditional high-street banks and building societies. Specialist lenders understand the complexities of adverse credit situations and have tailored criteria for people with CCJs.

Exploring Different Mortgage Types and Products:

Specialist mortgage lenders offer a wide range of products tailored to individuals with adverse credit histories. These products include adverse credit mortgages, secured loans, and even buy-to-let mortgages. An experienced mortgage broker can guide you in selecting the most suitable mortgage type and product for your financial situation and long-term goals. They will consider factors such as the size of the CCJ, your income, employment status, and the amount of deposit you can provide.

Applying for a Mortgage with a CCJ:

During the mortgage application process, be prepared to provide necessary documentation such as bank statements, proof of income, and details of your CCJ. A specialist mortgage broker will assist you in presenting your financial circumstances in the best possible light to potential lenders. They can also help you navigate the legal process and provide any required legal advice regarding the CCJ. If you have been making consistent repayments towards the CCJ, it can demonstrate your commitment to managing your debts responsibly.

Considering Remortgage Deals and Competitive Rates:

If you already own a property and have a 5-year-old CCJ, it may be worth exploring remortgage deals to secure more favourable rates. Expert mortgage advisors can guide you through the process and help you find the most suitable deal, taking into account your credit situation and financial goals. Remortgaging can also provide an opportunity to release equity in your property or consolidate existing debts, improving your overall financial situation.


Securing a mortgage with a 5-year-old CCJ may seem challenging, but with the assistance of specialist mortgage brokers and lenders, it is possible to achieve your homeownership goals. By understanding your credit file, seeking expert advice, improving your credit score, and exploring a wide range of mortgage products, you can navigate the mortgage market and find a suitable mortgage deal. Remember, everyone’s circumstances are unique, and it’s crucial to seek unbiased advice tailored to your personal financial circumstances. With perseverance and the right support, you can overcome past credit issues and step onto the property ladder.

About The Author

mortgage broker damian youell

See some of Damian’s client reviews below

Damian is an experienced mortgage broker, founder of NeedingAdvice.co.uk Ltd and company director. With over a decade working as a mortgage broker he has a strong understanding of hard to place mortgage cases. With hundreds of 5 star client reviews. hundreds of repeat clients his work speaks for himself.

He started NeedingAdvice.co.uk as a one man band with the philosophy of putting clients needs ahead of his own. This ethos of offering excellent customer service has helped the business grow over the years. He gets satisfaction on getting cases pushed through to offer stage where other mortgage broker and companies have failed.

Throughout his time as an adviser he has carved out a niche area of advice helping clients with their business protection requirements too. Having helped hundreds of client with Relevant Life Policies, Shareholder Protection Insurance, Keyperson Policies and other important protection requirements of large to small businesses.

At home he is a family man and likes to spend his time with his four children and wife Lisa. He enjoys going on holidays spending time with friends and going for walks.