CCJ Mortgage UK 2026 | Can You Get a Mortgage with a CCJ?
If you’ve received a County Court Judgment (CCJ), getting a mortgage can feel uncertain — but it’s far from impossible.
In 2026, lenders are more flexible than many people realise. Whether you’re buying, moving, or remortgaging after your fixed rate ends, there are still options available.
This guide explains exactly what you need to know.
The key is understanding:
how lenders assess CCJs, what criteria matter most, and which lenders are willing to consider your case.
This guide explains exactly what you need to know.
Reviewed by Jason Foord, Director at Verifi Mortgages | FCA No. 997175 | Last reviewed: April 2026
Can You Remortgage with a CCJ in 2026?
Yes — and this is one of the biggest opportunities right now.
With around 1.8 million UK homeowners due to remortgage in 2026, many are coming off fixed rates with changed credit profiles.
If you now have:
You may still be able to remortgage through specialist lenders.
Jason Foord, Director at Verifi Mortgages (FCA No. 997175):
“In many cases, switching away from your current lender’s SVR could save hundreds per month — even with a CCJ.”
What Verified Mortgage Customers Say About Verifi Mortgages
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Was professional, clear, and supportive from start to finish. He explained everything thoroughly with no jargon or time-wasting. Highly recommended for anyone wanting straightforward, expert mortgage advice.
They did an excellent job managing the entire remortgage process. Proactive in resolving any issues that arise and works closely with both lenders and solicitors to keep everything running smoothly from start to finish.
Handled my mortgage from start to finish with ease. He also set up a protection policy, giving us real peace of mind. I’ve used his services multiple times — highly recommend for remortgage, equity release, or buying a home.
Used Verifi mortgages when was having trouble securing a mortgage. Kept me informed through out & secured my mortgage offer quite quickly. Would definitely recommend especially if you have some adverse credit history
What Is a CCJ and How Does It Affect a Mortgage?
A County Court Judgment (CCJ) is issued when a debt hasn’t been repaid and legal action is taken.
It stays on your credit file for 6 years and can impact:
However — a CCJ does not automatically mean rejection.
Most lenders now assess:
“Key point: lenders care more about today than your past.”
How Lenders Assess CCJs
Lenders don’t treat all CCJs the same. Decisions are based on risk — not just the fact you have one.
What matters most:
Some lenders will even ignore certain CCJs entirely depending on circumstances.
Explore Related Bad Credit Options
How to Improve Your Chances of Approval
Even with a CCJ, approval is achievable if you position your case correctly.
Best ways to strengthen your application:
Theo Insight:
“One clear pattern we see is that most people don’t feel the loss because it’s spread monthly — but over time, it becomes one of the most expensive financial mistakes homeowners make.”
Don’t Just Check Remortgage Rates — Know When to Act
Remortgage rates can change, and the best deals don’t stay available for long. Theo tracks your mortgage against the market and alerts you when better options appear, so you don’t miss the right moment.
Theo Insight: The biggest savings often come from acting early — not waiting for rates to change again.
Track Your Mortgage Rate
Monitor your rate and spot better deals early
Get Alerts When Rates Drop
Get notified when you could save money
Know When to Remortgage
Understand your ideal remortgage timing
Theo is a mortgage intelligence platform designed to help you monitor your mortgage and identify potential savings. It does not provide advice. Always speak to a qualified adviser. Built by FCA regulated mortgage experts at Verifi Mortgages
Can You Get or Remortgage with a CCJ in 2026?
Yes — even with a CCJ, you may still be able to get a mortgage or remortgage. In 2026, many homeowners are coming off fixed rates with changed credit profiles, and lenders are adapting. Rather than focusing only on your past, they assess your current affordability, the age and status of the CCJ, and how much deposit or equity you have. With the right lender and approach, there are still realistic options available.
How to Improve Your Chances Further
What Mortgage Options Are Available with a CCJ?
Depending on your situation, you may be eligible for:
The right option depends on your credit history, deposit, and income.
Expert Insight
Jason Foord, Independent Mortgage Broker FCA No. 997175“In my experience, bad credit doesn’t stop a mortgage — it just limits who you go to. Most people get declined because they apply to the wrong lender, not because it’s impossible.
What lenders really care about is how recent the issue is and whether your current finances stack up. When the case is placed correctly, approvals are far more common than people expect.”
CCJ Mortgage FAQs
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Take the Next Step with Confidence
A CCJ doesn’t stop you getting a mortgage — it just changes the route. In 2026, more lenders are supporting adverse credit cases, especially for those coming off fixed rates. The key is using the right lender, structuring your case properly, and acting early.
Before you go, explore more helpful mortgage advice and guides in our Verifi Mortgage Advice Hub.
This page provides general information about mortgage options. It does not constitute regulated financial advice. Verifi Mortgages Ltd is FCA-authorised (No. 997175). All mortgage decisions should be made following a personal assessment.