Last Updated: 4th December 2025
At AIMS NI, we specialise in helping clients across Northern Ireland with past credit issues, including CCJs, secure suitable mortgage solutions. As an independent, whole-of-market brokerage, we can access lenders who are prepared to consider applications that high street banks may decline.
Having a County Court Judgement (CCJ) on your credit file can make getting a mortgage feel difficult, but it does not mean homeownership is out of reach. With the right advice and access to specialist lenders, it is still possible to secure a CCJ mortgage and move forward with your plans.
At AIMS NI, we specialise in helping clients across Northern Ireland with past credit issues, including CCJs, secure suitable mortgage solutions. As an independent, whole-of-market brokerage, we can access lenders who are prepared to consider applications that high street banks may decline.
A County Court Judgement (CCJ) is a type of court order registered against you when you fail to repay a debt. It stays on your credit file for six years and can significantly affect how lenders view your application.
From a lender’s perspective, a CCJ suggests a higher level of risk, which is why some will decline applications automatically. However, not all lenders treat CCJs in the same way. Specialist mortgage providers may still be happy to lend, particularly if:
AIMS NI will help you identify which lenders are more likely to consider your circumstances.
Yes, it is possible to get a mortgage with a CCJ, but your options will depend on several key factors:
A specialist broker like AIMS NI can assess your full situation and match you with lenders who regularly work with customers who have CCJs.
The exact type of mortgage you can obtain with a CCJ will depend on your broader circumstances, but common options include:
If your CCJ has been paid in full and marked as satisfied on your credit file, you may have more choices. Some lenders will consider you after a certain period has passed since satisfaction.
If the CCJ is still outstanding, options may be more limited and may require a higher deposit. However, some specialist lenders will consider unsatisfied CCJs in certain situations.
Mainstream banks are often stricter with CCJs. Specialist lenders, on the other hand, have criteria designed to accommodate adverse credit, including recent CCJs.
You may still have access to fixed-rate and variable-rate mortgages, although interest rates could be higher to reflect the perceived risk. AIMS NI will compare options across the whole market to find the most suitable product for you.
There are several practical steps you can take to give yourself the best possible chance of being approved for a CCJ mortgage:
Taking these steps can significantly improve the range of mortgage options available.
Borrowers with CCJs often need a higher deposit than applicants with clean credit. Factors that influence deposit requirements include:
As a general guide, borrowers with CCJs may be asked for:
AIMS NI will review your circumstances and explain what deposit level is likely to be required by different lenders.
At AIMS NI, we understand that life does not always go to plan and that credit issues can happen for many reasons. Our role is to help you move forward.
We provide:
Independent, whole-of-market advice – We are not tied to any one lender and can access specialist CCJ mortgage providers.
Over 20 years of experience – Helping clients with a wide range of credit backgrounds.
Tailored recommendations – Based on your current situation, not just your past credit.
Local advisors across Northern Ireland – Offering in-home or remote appointments.
Clear, honest explanations – No jargon, just straightforward advice.
Support from start to finish – From initial enquiry to mortgage completion.
If you need a CCJ mortgage, AIMS NI is well-placed to guide you towards the most suitable solution.
We make the process as simple and transparent as possible:
Free, No-Obligation Consultation – We discuss your CCJ, credit history and goals.
Full Credit and Affordability Review – We look at your income, existing commitments and overall financial position.
Deposit and Product Assessment – We assess how much you can put down and what types of products may be available.
Whole-of-Market Search – We identify suitable lenders and CCJ mortgage options across the market.
Application and Documentation- We complete and submit your application, managing documentation and lender queries.
Ongoing Support to Completion – We keep you informed throughout and support you through to completion.
A CCJ does not have to be the end of your homeownership plans. With the right lender and the right support, it is still possible to secure a mortgage and move forward.
At AIMS NI, we provide specialist advice on CCJ mortgages across Northern Ireland, using our whole-of-market access and experience to give you realistic, honest and practical options.
Contact AIMS NI today for a free, no-obligation consultation and take the first step towards finding a mortgage solution that works for you, even with a CCJ on your record.
It may be possible, but your options will be more limited and you may need a larger deposit. AIMS NI can look for specialist lenders who consider unsatisfied CCJs on a case-by-case basis.
Some lenders may consider you immediately, particularly if the CCJ is satisfied, while others prefer it to be at least one to three years old. The older the CCJ, the better your chances.
In many cases, yes. A higher deposit reduces the lender’s risk and can improve the chances of approval. AIMS NI will advise you on likely deposit requirements based on your specific situation.
Some high street banks may decline applications with CCJs, particularly if they are recent. However, specialist lenders and building societies may be more flexible. We can help identify these lenders.
Yes, but the case will typically be more complex. Lenders will look closely at your income history, accounts and credit file. AIMS NI has experience in self-employed and adverse credit applications.
It is likely that rates will be higher than for applicants with a clean credit history, especially initially. Over time, as your credit improves, you may be able to remortgage to a more competitive rate.
Disclaimer
A MORTGAGE IS A LOAN SECURED AGAINST YOUR PROPERTY. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
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