No, a default is not a CCJ. A default is added to your credit report by a lender when you miss payments on an account. A County Court Judgment (CCJ) is a court order telling you to repay a debt. They are different — but a default can sometimes lead to a CCJ if the debt isn't resolved. Lenders treat CCJs as more serious, but both can be accepted by specialist mortgage lenders, especially if they're settled or older than 12–24 months.

How long do defaults and CCJs stay on your credit file in the UK?

Defaults and CCJs both stay on your UK credit file for six years from the date they were registered, and then drop off automatically — even if the debt hasn't been paid. A default stays for six years whether it's settled or not, though settled defaults are marked 'satisfied' and viewed more favourably by lenders. A CCJ also stays for six years, but if you pay it in full within one month of the judgment, it can be removed from your credit file completely. After six years, lenders can no longer see them. You don't always need to wait that long to get a mortgage though — many specialist lenders accept CCJs and defaults that are only 12–24 months old, particularly when settled.

Can you get a mortgage with a CCJ or default in the UK?

Yes, you can get a mortgage with a CCJ or default in the UK. High-street lenders usually prefer the CCJ or default to be at least three years old and settled, but specialist bad credit mortgage lenders will often accept ones registered in the last 12 months — sometimes even unsatisfied ones if the amount is small. The key factors lenders look at are how long ago the issue happened, whether it's satisfied, how many you have, the amount owed, and your deposit size. A specialist mortgage broker can match you to the lenders most likely to approve your situation. Call Chris on 07359911696 for a quick, no-pressure chat to find out what's possible.

Self Employed — Can I Get a Mortgage With a Default? Yes! Learn How Today

Let’s Talk!

Speak to a Broker for free today.

Schedule a callback

About Us

Blog

Contact Us

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Oak Mortgages is a limited company registered in England and Wales, company number 15595031.

Registered Office: Navigation Business Centre, Mill Gate, Newark NG24 4TS

Chris Smith Mortgages Trading Address is 32 Clough House Drive, Leigh, Gtr Manchester, WN7 2GD

Chris Smith Mortgages is a trading style of Oak Mortgages Ltd.

Oak Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FRN 1026569).

Chris Smith is an adviser of Oak Mortgages Ltd and is authorised to advise on and arrange regulated mortgage contracts and protection products on its behalf.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Getting the right mortgage support can make all the difference when you are looking for a new home. Oak Mortgages will help you work out what you can afford and will navigate the mortgage market to put you with the right lender for your individual circumstances.

Chris is very knowledgeable and Oak is very knowledgeable as to the various products that are available & is extremely efficient, turning enquiries into agreements in principle very quickly & follows up to ensure that estimated timescales are met. Oak's communication skills are also excellent, always keeping you in the loop as things progress.

The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.