Can You Get a Mortgage in Hull With a CCJ?

Having a County Court Judgment (CCJ) doesn’t automatically mean you can’t get a mortgage.

Some lenders are happy to consider applications from borrowers with previous credit issues, although the outcome will depend on the circumstances surrounding your CCJ and your financial position today.

For example, lenders may look at when the CCJ was registered, how much it was for, whether it’s been paid, and how you’ve managed your finances since. If the rest of your application is strong, there may still be a good range of mortgage options available.

If you’re looking for mortgage advice in Hull, it’s often worth finding out what’s available before assuming you’ll need to wait.

Can I Get a Mortgage if My CCJ Hasn’t Been Paid?

Yes, it’s still possible to get a mortgage if you have an unsatisfied CCJ, although your options are likely to be more limited. Some lenders are prepared to consider applications with outstanding CCJs, while others may require the debt to have been settled first.

They’ll usually look at the size of the CCJ, when it was registered, and the rest of your financial circumstances before making a decision.

How Long Does a CCJ Stay on Your Credit File?

A CCJ normally stays on your credit report for six years from the date it was registered, regardless of whether you’ve paid it. If you settle the debt within one month of receiving the judgment, you can apply to have it removed from the register.

After that, it’ll remain visible for the six-year period but will be marked as satisfied if you’ve paid it.

Can First Time Buyers in Hull Get a Mortgage With a CCJ?

Yes. Having a CCJ doesn’t stop you from buying your first home. Mortgage lenders will assess your application as a whole, taking into account your deposit, income, affordability and recent credit history alongside the CCJ.

If your finances have improved since the judgment was registered, there may still be mortgage options available.

Will a CCJ Affect How Much I Can Borrow?

It can, but not always. Some lenders may reduce the amount they’re willing to lend if you’ve had previous credit issues, while others will base their decision mainly on your income and affordability.

The age, value and status of your CCJ can all influence how a lender assesses your application.

Can We Help if You’ve Been Declined for a Mortgage Because of a CCJ?

Yes. Being declined by one lender doesn’t necessarily mean every lender will make the same decision. Mortgage criteria vary across the market, and some lenders are more willing to consider applicants with previous credit issues than others.

If you’ve previously been turned down, we can review your circumstances and explore mortgage options better suited to your situation.

Does the Size of a CCJ Matter When Applying for a Mortgage?

Yes. Lenders don’t just look at whether you have a CCJ, they also consider how much it was for. A smaller, older CCJ may have less impact than a recent judgment for a larger amount.

They’ll also take into account whether it has been paid and how you’ve managed your finances since.

Can I Remortgage if I Have a CCJ?

Yes, it’s possible to remortgage if you have a CCJ. Whether you’re coming to the end of your current mortgage deal or looking to borrow more, lenders will assess your current financial circumstances alongside your credit history.

Depending on the age and status of your CCJ, there may still be a range of remortgage options available.

Will a Mortgage Lender Ask About My CCJ?

Yes. As part of the application process, mortgage lenders will carry out a credit check, which is likely to show any CCJs recorded against your name.

It’s always best to be honest about your credit history from the outset, as this helps avoid delays and allows your application to be matched with lenders whose criteria are more suitable for your circumstances.

Date Last Edited: 08/03/2026