Last Updated: 13th May 2025
Have you been refused a mortgage because of a County Court Judgment (CCJ)? You’re not alone — but it doesn’t mean you can’t buy a home.
At AIMS-NI, we understand that financial difficulties happen — and that a CCJ shouldn’t define your future. Based in Belfast, we specialise in helping people across Northern Ireland secure mortgage deals, even with adverse credit. Thanks to our access to a wide network of specialist lenders and our experience handling complex credit cases, we’ve helped many clients turn rejection into approval.
Whether you’re a first-time buyer, home mover, or looking to remortgage, AIMS-NI can guide you through the process of securing a CCJ mortgage that works for your situation.
A County Court Judgment (CCJ) is issued when someone takes legal action against you for unpaid debt and the court rules in their favour. It is a formal record of non-payment and is added to your credit report.
You might receive a CCJ for:
A CCJ can remain on your credit file for up to six years, making it harder to borrow money. For many people, it’s only when they apply for credit — including a mortgage — that they realise a CCJ is still listed. Even if the CCJ has been paid (also called ‘satisfied’), it can still impact your creditworthiness. That’s why seeking guidance from a specialist mortgage broker like AIMS-NI is so important.
Yes, it’s entirely possible to get a mortgage with a CCJ — even if you’ve been declined elsewhere. However, approval will depend on a number of factors, including:
Some lenders may accept applicants with CCJs that are as recent as 6 months old — especially if they have been satisfied and you meet other criteria. Others may require a longer period to have passed. The key is knowing which lenders are open to your circumstances — that’s where our expertise comes in.
While we can help you get a mortgage with a CCJ, taking steps to strengthen your application will open up better deals and lower rates.
Here are some practical ways to improve your chances:
Satisfy the CCJ: If possible, pay off the judgment before applying. A “satisfied” CCJ looks better to lenders and shows you’ve taken steps to resolve the issue.
Build a bigger deposit: The more deposit you can provide (aim for at least 15–30%), the more likely a lender is to approve you — and on better terms.
Keep your credit file clean: make sure there are no recent missed payments, defaults, or new CCJs. Lenders place a strong emphasis on recent financial behaviour.
Check your credit reports: Use services like Experian, Equifax, and TransUnion to review your credit file. Look for any errors or outdated information that can be corrected.
Reduce outstanding debt: Lowering your existing credit balances (like credit cards or loans) will help improve your affordability and credit score.
At AIMS-NI, we believe past credit issues shouldn’t define your financial future. We offer:
Expertise in adverse credit mortgages: Our team has extensive experience dealing with CCJ and other complex cases.
Access to specialist lenders: We work with mortgage providers who understand the nuances of CCJ cases — many of whom don’t deal directly with the public.
Tailored guidance: We don’t believe in one-size-fits-all advice. We’ll assess your full situation and find the most suitable lender for your needs.
Friendly, non-judgmental support: We understand that financial difficulties happen. Our goal is to help — not to judge.
End-to-end service: From your first enquiry to mortgage offer, we’ll be with you every step of the way.
Having a CCJ on your credit file can make getting a mortgage more challenging — but it doesn’t have to stop you. At AIMS-NI, we specialise in helping people across Belfast and Northern Ireland secure mortgages, even with adverse credit histories.
With the right support, the right lender, and the right advice, your dream of homeownership is still within reach. Let us help you take the next step. Ready to Get Started? Contact Our Friendly Team Today.
Yes. Some lenders accept multiple CCJs, especially if they are older or satisfied. We can advise based on the number, amount, and timing.
A CCJ remains for six years from the date it was issued — whether it’s paid or not. After six years, it should be automatically removed.
It means the debt has been repaid. It’s still listed on your credit file for six years but is viewed more positively than an unpaid (unsatisfied) one.
Yes — though recent CCJs (under 12 months) will narrow your lender options. However, it is still possible with the right lender and a strong overall profile.
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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