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.

Christopher Smith 18/07/2023 Christopher Smith 18/07/2023

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