Call 03301 334 199 or Whatsapp us 07950545264 hello@abc-mortgages.co.uk
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Call 03301 334 199 or Whatsapp us 07950545264 hello@abc-mortgages.co.uk
At ABC Mortgages, we understand that life doesn’t always go to plan. Missed payments or financial difficulties can sometimes result in a County Court Judgment (CCJ), and many people believe this means homeownership is out of reach.
The good news is that it may still be possible to get a mortgage if you have a CCJ. While it may limit your options with some mainstream high street lenders, there are specialist lenders who may consider applications from borrowers with adverse credit. That’s where our expertise as mortgage brokers comes in — helping you identify suitable lenders and secure the best mortgage deal for your individual circumstances.
Discover how much you can afford to borrow.
Your home / property may be repossessed if you do not keep up repayments on your mortgage.
Last Updated: 21st August 2025
A County Court Judgment (CCJ) is a court order issued against you if you fail to repay money you owe. It stays on your credit record for six years, even if you pay it off.
For lenders, a CCJ signals that you may be a higher-risk borrower. However:
Not all lenders treat CCJs the same.
The age of the CCJ matters — older CCJs have less impact than recent ones.
Whether the CCJ is satisfied (paid) or unsatisfied (unpaid) also plays a big role.
At ABC Mortgages, we work with lenders who understand that a CCJ in your past doesn’t define your financial future.
Yes — but the right solution will depend on:
How long ago your CCJ was registered – lenders are often more flexible after 2–3 years.
How much the CCJ was for – smaller amounts may be overlooked.
If the CCJ has been satisfied – showing that you’ve repaid the debt can improve your chances.
The size of your deposit – a larger deposit reduces risk for the lender.
Even if your CCJ is recent or unsatisfied, there may still be options with specialist mortgage providers.
If you have a CCJ, you may be able to access:
Specialist bad credit mortgages – designed for those with CCJs, defaults, or other credit issues.
High deposit mortgages – the bigger the deposit, the more flexible lenders are likely to be.
Remortgages with a CCJ – refinancing your current mortgage may still be possible.
Adverse credit lenders – specialist lenders who look beyond your credit file and assess your overall situation.
When you apply for a mortgage with a CCJ, lenders will consider:
How recent the CCJ is.
Whether it’s satisfied or unsatisfied.
The total value of the CCJ(s).
Your other credit history (defaults, missed payments, loans).
Your income, job stability, and affordability.
The size of your deposit.
Every case is different — which is why expert advice can make all the difference.
Here are some practical steps that can help strengthen your application:
Save for a bigger deposit – the higher the deposit, the lower the risk to the lender.
Settle your CCJ if possible – paying off the debt shows lenders you’ve taken responsibility.
Keep up with all current payments – this builds a positive recent track record.
Avoid multiple credit applications – too many searches can lower your score further.
Work with a specialist mortgage broker – we know which lenders are most likely to approve your application.
At ABC Mortgages, we believe getting a mortgage should be as simple as ABC — even if you’ve had financial difficulties in the past.
Here’s why clients across Sittingbourne and Kent trust us:
Expert bad credit mortgage advice – we understand how lenders view CCJs and know how to present your case.
Support from start to finish – from paperwork to lender negotiations, we handle everything.
Personalised service – we tailor solutions to your unique situation and goals.
Having a CCJ doesn’t mean you can’t own your dream home. With the right guidance and access to specialist lenders, securing a mortgage with a CCJ is possible.
At ABC Mortgages in Sittingbourne, Kent, we help clients across the region — and beyond — find the right mortgage, no matter their credit history.
Yes, but your options will be more limited. Some lenders will consider unsatisfied CCJs, especially if they are older.
The older the CCJ, the better. Some lenders require it to be at least 12–24 months old, while others are more flexible.
Often, yes. A deposit of 10–30% may be required depending on your circumstances.
Absolutely. A satisfied CCJ shows lenders that you’ve repaid your debts and can significantly improve your approval chances.
Important Information
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding, but we estimate it will be £395.
The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate some forms of Buy to Lets.
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding, but we estimate it will be £395.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
ABC Mortgages Ltd trading as ABC Mortgages are an Appointed Representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.
ABC Mortgages Ltd are registered in England and Wales. Registered No:13184891. Registered OƯice: Suite 103, St Georges Business Park, Castle Road, Sittingbourne, Kent, England, ME10 3TB.
