CCJ Mortgages Southport | Getting a Mortgage with a CCJ

At Rosa Mortgages, we understand that financial difficulties can happen to anyone. Whether it was a missed utility bill, an old credit card, or a dispute with a service provider, a County Court Judgment (CCJ) doesn’t have to stop you from owning a home. Our team specialises in helping people who have experienced credit issues—offering guidance, understanding, and access to mortgage solutions designed to support your goals, not punish your past.

If you’ve been turned down elsewhere, we’re here to show you that there are options and we’re committed to finding the right one for you.

What Is a CCJ and How Does It Affect Your Credit?

A County Court Judgment is a legal ruling issued when someone fails to repay a debt. It’s recorded on your credit file for six years and can make lenders view you as higher risk. However, the impact depends on several factors:

How long ago the CCJ was issued
Whether the debt has been paid (satisfied)
The amount of the debt
Whether you have any other adverse credit markers

Some lenders will reject applications outright, but others—including specialist or adverse credit lenders—look at the bigger picture. This is where Rosa Mortgages can make a real difference.

Can You Get a Mortgage with a CCJ? Yes, You Can.

While a CCJ can make getting a mortgage more complex, it’s far from impossible. At Rosa Mortgages, we work with a panel of lenders that consider applications from people with:

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Unsatisfied or satisfied CCJs

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Multiple CCJs

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Older CCJs (e.g. over 2–3 years)

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Additional adverse credit like defaults or missed payments

Even with recent CCJs, some lenders may accept your application if you have a stable income, strong affordability, and a higher deposit. The key is knowing which lenders to approach—which is exactly what we do for you.

Types of Mortgages Available to Applicants with CCJs

Whether you’re buying your first home, remortgaging, or investing in a buy-to-let, having a CCJ doesn’t necessarily limit your goals. We help clients secure:

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First-Time Buyer Mortgages – Enter the market with realistic, lender-matched options.

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Home Mover Mortgages – Move up the property ladder with confidence.

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Buy-to-Let Mortgages – Build a property portfolio, even with adverse credit.

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Remortgages – Refinance for better rates or release equity, despite your credit history.

Some lenders specialise in adverse credit and assess affordability rather than relying solely on credit scores. We connect you to the right ones.

Improving Your Mortgage Chances After a CCJ

Even small steps can make a big difference in securing approval and better rates:

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Pay off or settle the CCJ – this improves your creditworthiness.

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Wait if possible – older CCJs are viewed more favourably.

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Increase your deposit – 15%+ is often recommended.

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Keep a clean credit record since the CCJ – no new missed payments.

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Register on the electoral roll – this helps verify your address.

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Work with a broker – so you avoid high-street rejections and credit checks that hurt your score.

We’ll show you where you stand and how to strengthen your application.

Why Choose Rosa Mortgages for CCJ Mortgage Help?

Dealing with a CCJ can feel isolating—but you don’t have to go it alone. Rosa Mortgages offers:

Access to specialist CCJ-friendly lenders
A judgement-free, supportive environment
Fully tailored advice and step-by-step application support
Credit report reviews and improvement guidance
Local Southport expertise with national reach

We’ll handle the mortgage process for you—from sourcing the right deal to submitting your application—so you can focus on planning your future.

Take the First Step with Rosa Mortgages

Don’t let a CCJ stop you from achieving your homeownership goals. At Rosa Mortgages, we’ve helped many clients just like you secure the right mortgage—and we’re ready to help you too. Contact us today to get started with a free, no-obligation chat.

FAQs About Adverse Credit Mortgages

Can I get a mortgage with a CCJ from last year?

Yes, some lenders will consider recent CCJs, especially if they’re low-value or now satisfied. You may need a higher deposit and show strong affordability.
Will I always need a specialist lender?

Not necessarily. If your CCJ is several years old and you’ve built a strong credit profile since, mainstream lenders might consider you.
Is the mortgage process longer with a CCJ?

It can take slightly longer, depending on the lender and paperwork needed—but we’ll handle all of that to keep the process smooth.
Can I still remortgage with a CCJ?

Yes—whether you’re looking for better rates or releasing equity, we can help find lenders who are open to your credit background.

CCJ Mortgages