Mortgage with County Court Judgment

Mortgage with A CCJ

Here at Lothian Mortgage Services we help our clients find the best mortgage deal when they require a mortgage and have a County Court Judgment against them. We aim to make it easier for you to find a lender prepared to lend when you have this appearing on your credit record. While these issues effect people north of the border we are still able to help any of our customers who are moving up to Scotland with this still on their record. Please do not hesitate to get in touch to discuss your financial situation and how the experts at Lothian Mortgage Services are able to assist. We never judge any of our customers or share any information about the credit issues they are currently facing. We pride ourselves on offering a reliable and understanding ear to listen before providing expert advice.

What is a CCJ (County Court Judgment)?


A county court judgment or better known by the abbreviated term CCJ is a type of debt that is being collected due to a county court judgment. This is a process carried out when someone is owed money. Filing one of these will then take your case to the courts where they will decide if there is a debt to be paid.

If the courts agree a CCJ is then issued and a payment plan confirmed. If you pay the CCJ within 30 days, then this will have no affect on your credit score. It is only when the debt is ignored, or the agreed payment plan is broken that more issues start to occur. This is most notably when looking to take out a large loan such as a mortgage.

The country court judgment is only available in England, Wales and Northern Ireland. While this excludes Scotland, we have numerous customers now who have chosen to relocate to Scotland but that does not mean the CCJ just disappears.

Can I Get A Mortgage with a CCJ?

The simple answer is Yes, with the right expert advice you can certainly get a mortgage with a CCJ.  The best way to find out exactly how Lothian Mortgage Services can help you land your dream property is by organising an initial chat. We can do this via Home / Office Visits, Telephone or Skype. How long does a County Court Judgment remain on my credit score? A County court judgment will remain on your credit record for 6 years. It’s a common misconception that people must wait the full time before applying and being accepted for a mortgage. This is due to people often being rejected first time by high street banks. With the right advice and guidance, you can obtain a mortgage while still dealing with the County Court Judgment (CCJ). Please note that if a CCJ is paid within 30 days this will in no way effect your credit score should always look to pay it where possible.

Your Next Mortgage Steps:

If having a CCJ and getting a mortgage affects you, we would love to hear from you. Our team of experienced mortgage advisors can provide independent and impartial mortgage advice that can help you and the family get that home you have always dreamed of having often quicker than customers can believe. We have a wealth of experience dealing with customers who have  adverse credit so know best ways to obtain mortgages working around these issues. We start off the process by having a free no obligation chat around your Court County Judgment and any other negative impacts that has had on your credit score and potential issues that it is causing in obtaining a mortgage. After this chat it will be 100% up to yourself if you would like to work alongside the team at Lothian Mortgage Services to get a mortgage. Dependent on your own specific circumstances we will carry market research on your behalf and recommend a lender that matches your priorities. If we are unable to obtain a mortgage at this point in time we will give guidance as how to correct your current position.

Contact Us

Get in touch today to discuss how you can obtain a mortgage while having a county court judgment on your credit record. We can offer independent mortgage advise that will real benefit you! The best number to call us on is  0800 0236 805  alternatively you can fill in the contact form below and a member of our team will get back to you.