Joint Mortgage with CCJ
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Joint Mortgage with CCJ
We welcome back Lewis Shaw to explain how a joint mortgage works if you have a County Court Judgement (CCJ).
Can I get a mortgage with a CCJ? Can you get a joint mortgage if one person has a CCJ?
Yes, in most cases, you absolutely can! But it does hinge on a few things – mainly when the CCJ was registered, its value, and whether it’s been paid off (satisfied). Your deposit amount also plays a significant role.
For joint mortgages where only one person has a CCJ, it’s not quite a simple balancing act. Lenders don’t average out your credit scores; they always focus on the person with the lower credit profile.
Despite this, getting that joint mortgage is definitely achievable. It might mean looking beyond high street banks towards specialist lenders, but options are certainly available. Don’t let a CCJ stop you from seeking advice.
What if I’m self-employed with a CCJ? Can I still get a joint mortgage?
Yes. Being self-employed and having a CCJ doesn’t automatically close doors. Yes, self-employed mortgages sometimes feel like they involve extra paperwork, but it’s manageable.
It really boils down to providing the correct documents to assess your income properly.
Often, self-employed people with a CCJ feel like the odds are stacked against them.
However, you likely have access to the same mortgage deals and schemes as someone who’s employed.
A bit more admin is involved, but that’s what brokers like us handle. It’s possible, so reach out and see how we can help.
Are there specific lenders for joint mortgages with CCJs?
Yes, definitely. Some lenders specialise in helping people with less-than-perfect credit histories – CCJs are just one part of that puzzle.
Most lenders have lending policy around County Court Judgements, and certain lenders will accept all types of CCJ. You might be surprised at how many options exist, especially with lenders who aren’t household names you see on the high street.
Does being married make a difference when applying for a joint mortgage with a CCJ? What if my partner has a CCJ and I don’t?
Being married can make a difference. If one of you has a recent, unpaid CCJ, lenders will likely insist on a joint application, even if the other partner could afford the mortgage alone.
Why? Lenders get cautious, especially about where the deposit comes from. If it’s from a joint account, they’ll almost certainly require both names on the mortgage.
And remember, even if one partner has a clean credit history, it doesn’t cancel out the impact of the other’s CCJ. Lenders base their decision on the weaker credit profile. But here’s the good news: a CCJ disappears from your credit report after six years. So, even if your initial mortgage rate isn’t the market’s cheapest, it’s not forever.
Down the line, we can consider remortgaging to a new lender, maybe with better terms, potentially with a high-street lender. This is just about navigating a temporary bump in the road.
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What if I’ve been declined for a joint mortgage with a CCJ in the past? What happens now?
Having been declined for a joint mortgage with CCJ in the past doesn’t mean you can never apply again. You may have approached the wrong lender. Maybe you weren’t even aware of the CCJ in the first place.
A past decline isn’t the end of the story. We’d need to understand when it happened, why, and which lender it was with. Getting into those details helps us find the right path forward.
People often worry, probably unnecessarily, about their credit profile. There’s always something on the TV or radio about this. But mortgage lenders understand that things happen. People aren’t always able to pay everything on time, and lenders can deal with that.
If you’ve been declined, don’t lose hope. You can likely still get a mortgage. Don’t let it weigh you down.
What if I’m a First Time Buyer and have a CCJ? Can I still get a mortgage?
Yes, absolutely. Being a first-time buyer with a CCJ doesn’t automatically disqualify you.
The specifics—the CCJ’s age, amount, and whether it’s paid—will influence the deposit size you’ll need and which lenders are suitable.
We’ll look at your exact situation, explore the options, and pinpoint the right lender for First-Time Buyers with CCJs.
Buying your first home is still achievable. You might need to save a bit more for the deposit, but it’s definitely possible.
Will I need a larger deposit for a joint mortgage with a CCJ?
It depends on when the CCJ was registered and if it’s satisfied (paid). Paying it off shows lenders you’ve acknowledged and rectified the issue, which is always viewed positively. Repaying a CCJ is highly recommended if you can.
The deposit needed is directly linked to the CCJ’s details: its age, value, and the original type of credit it related to.
Many specialist lenders are comfortable with a 10% deposit, even with a CCJ. It gets trickier if the CCJ is large and recent but potentially doable.
If you have multiple recent CCJs totalling thousands of pounds, you might need a 15%, 20%, or even 25% deposit.
It’s hard to give a precise figure without knowing your specific circumstances. The best step is always to chat with a broker to get personalised advice and make a clear plan.
What documents will I have to apply for a joint mortgage with a CCJ?
The documents you’ll need are generally the same whether you have a CCJ or not:
Proof of ID (like a passport or driving licence)
Proof of address (utility bills, council tax statements)
Proof of income (payslips, P60s)
Recent bank statements
If you’re self-employed, expect to provide tax calculations (SA302s), tax year overviews, and possibly business accounts. You’ll also need proof of your deposit or your current mortgage statement if you’re moving home.
Crucially, we’ll need a detailed copy of your credit report showing the CCJ specifics: when it occurred, the amount, and its current status (paid or unpaid). This information is vital for identifying the right lender.
What else do we need to know about getting a joint mortgage with a CCJ?
It’s completely understandable to feel a bit embarrassed about past CCJs. However, as mortgage brokers, we deal with these situations daily and have access to a wide range of lenders, many of whom specialise in helping people buy or remortgage a home.
Our job is to look at your entire situation and find the most suitable mortgage recommendation. We know the lenders and their criteria inside out.
While success isn’t guaranteed 100% of the time, many people are pleasantly surprised by what’s achievable, even when they think their situation is hopeless.
I strongly encourage anyone in this position to pick up the phone and get in touch. That CCJ might not be the huge obstacle you imagine it to be.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS.
