It’s a common worry, but having a County Court Judgment (CCJ) doesn’t mean you can’t get a mortgage. In fact, many people with a CCJ on their credit file still go on to buy a home. The key is understanding how lenders view this and what you can do to improve your chances.

Mortgages with a CCJ in Manchester are more accessible than many think. Some lenders will take a stricter approach, while others are more open-minded, especially if the rest of your application is strong. Speaking to a mortgage broker in Manchester can help you explore the right options based on your situation.

What Is a CCJ, and Will It Stop You Getting a Mortgage?

A CCJ is a legal notice that means a lender or service provider has taken court action over unpaid debt. It stays on your credit file for six years and can affect how mortgage lenders view you.

That doesn’t mean your application will be declined. Many lenders are more flexible than people realise. If the CCJ is over a year old, has been paid, or was for a small amount, there’s often room to move forward. A mortgage advisor in Manchester will look at your full circumstances to find the lenders most likely to say yes.

How Recent Was Your CCJ?

If your CCJ is recent, you may need to provide a bit more detail or offer a higher deposit. Lenders will want to know the size of the CCJ, when it was registered, and whether it’s been settled. The further in the past it is, the more likely a lender is to consider your application.

Even if the CCJ was within the last 12 months, some lenders may still help. It depends on the wider picture. With professional mortgage advice in Manchester, it’s easier to see what’s possible and which route suits you best.

Can You Still Get a Good Deal?

Yes, in many cases. A mortgage broker in Manchester can help match you with lenders who specialise in applications like yours. These lenders understand that financial blips happen and often offer competitive rates to those who have bounced back.

Your credit history is only one part of the application. If you’ve been managing your money well since the CCJ, and you have a stable income and a deposit ready, your options are often better than expected.

Why Mortgage Advice in Manchester Matters

The mortgage market can feel confusing when there’s a CCJ involved. Applying to the wrong lender could lead to a refusal, which might make things worse. That’s why speaking to a mortgage advisor in Manchester is so important. They will review your credit history, income, deposit, and goals, then recommend lenders who are likely to support your application.

Tailored mortgage advice in Manchester removes the uncertainty and helps you move forward with confidence.

Mortgages With a CCJ in Manchester Are Within Reach

Getting a mortgage with a CCJ might seem out of reach, but it doesn’t have to be. With the right mortgage advice and the right lender, many customers in Manchester are finding success and moving into their new homes.

Whether your CCJ was small or large, paid or unpaid, recent or older, there’s almost always a way forward. A mortgage broker in Manchester will take the time to understand your situation and find a solution that works for you.

Date Last Edited: November 17, 2025