Remortgage with a CCJ
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Remortgage with a CCJ
Lewis Shaw explains how remortgaging works if you have a County Court Judgment (CCJ).
Can you remortgage with a CCJ? Will many lenders offer a remortgage to someone with a CCJ?
Yes, you can remortgage with a CCJ. Whether you’re eligible depends on several factors, including:
- Whether the CCJ is still outstanding or has been satisfied
- Was the amount of the CCJ a small sum or several thousand pounds?
- When the CCJ was issued—was it recent (six months to a year ago) or several years old?
Many lenders will consider a remortgage if you have a CCJ, but their decision will depend on these variables. They will assess whether the CCJ has been repaid, its size, what it was for, and the Loan-to-Value (LTV) of your existing mortgage. The right lender will depend on the specifics of your situation.
Can mortgage lenders see a CCJ after six years?
No, a CCJ is removed from your credit report after six years, meaning lenders typically can’t see it.
However, if the CCJ was issued by a specific lender, they may keep internal records separate from standard credit reports. This means they could still be aware of the CCJ, even if it was registered 10 years ago or more.
It’s always best to disclose a past CCJ, even if it’s no longer visible on your credit file. If a lender has internal records of the CCJ and you haven’t mentioned it, it could cause complications. Being upfront ensures you get the best advice and the right mortgage deal.
Can I remortgage with a satisfied CCJ?
Yes, you can remortgage with a satisfied CCJ. Lenders will look at:
- When the CCJ was settled
- How much was it for
These factors determine which lenders will approve a remortgage with a CCJ. Generally, the older and smaller the CCJ, the less impact it will have.
How long does it take to remortgage with a CCJ?
A remortgage with a CCJ takes about the same time as a standard remortgage.
The exact timeframe depends on:
- The lender’s service levels when you apply
- Any extra documents they require
But in most cases, a CCJ doesn’t significantly delay the remortgage process.
Does the date of my CCJ matter for a remortgage?
Yes, the older the CCJ, the more lender options you will have.
If the CCJ is recent, there may be fewer lenders willing to approve your remortgage. The Loan-to-Value (LTV) ratio and whether the CCJ is settled or outstanding also affect your options.
Because lenders treat CCJs differently, it’s best to get expert advice based on your specific circumstances.
Does the size of the CCJ affect a remortgage?
Yes, the amount of the CCJ makes a difference:
- A small CCJ (a few hundred pounds) may have little to no impact, especially if it has been settled.
- A large CCJ (several thousand pounds), particularly if unsatisfied, may limit your lender options.
Some lenders are flexible, but they will assess the amount, timing, and status of the CCJ before approving a remortgage.
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Will I have to pay any fees or penalties when remortgaging if I have a CCJ?
If your current mortgage has early repayment charges, you may need to pay fees when switching lenders. However, having a CCJ itself doesn’t automatically mean higher fees or penalties.
- The costs involved will depend on:
- Your existing mortgage terms
Whether you’re leaving your current lender early
What if I’m self-employed and have a CCJ? Can I still remortgage?
Yes, self-employed applicants can remortgage with a CCJ, but lenders will consider additional factors, including:
- How long you’ve been self-employed – Most lenders require two years’ trading history, although some accept just one year.
- Your Loan-to-Value ratio – The lower the LTV, the better.
- The details of the CCJ – When was it registered, whether it’s satisfied, and what its size is.
Self-employed applicants with a CCJ still have options, but lender selection must be done carefully.
What happens if I’m declined a remortgage with a CCJ?
If you’re declined, the first step is to understand why. Then, we can approach a different lender who is more suited to your situation.
In our experience, most people with a CCJ aren’t declined for a remortgage—because we gather all the necessary information upfront and recommend lenders accordingly.
If you applied on your own and were declined, it doesn’t mean you can’t remortgage. Other lenders may still approve you, though possibly at a higher interest rate.
What else should I know about remortgaging with a CCJ?
When remortgaging with a CCJ, a mortgage broker is essential.
- We understand lender policies inside out and know which ones will approve CCJ cases.
- We can quickly assess your credit report and determine the best lenders for your circumstances.
- If there are no immediate options, we can help you create a plan to remortgage in the future.
Being honest with your broker ensures you get accurate guidance and the best available mortgage deal.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOU MAY HAVE TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISTING LENDER IF YOU REMORTGAGE.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS.
