When discussing whether you can obtain a mortgage with a CCJ, it is important to approach the subject with clarity and neutrality https://smartcitymortgages.co.uk/blog/can-you-get-a-mortgage-with-a-ccj-eligibility-deposits-options/ . A CCJ (County Court Judgment) indicates to lenders that you have previously defaulted on a debt and the matter was taken to court. A CCJ is a court order issued in England and Wales that requires you to repay a debt. When a CCJ is issued, it is recorded on the Register of Judgments, Orders and Fines, as well as on your credit file where it typically remains showing for six years. From a lending perspective, a CCJ does not automatically prevent homeownership, but it does influence CCJ mortgage eligibility. Lenders assess risk carefully. Consequently, the lender may request a larger deposit, offer products at a higher interest rate than usual, or apply stricter criteria. You can often plan a route to approval once you understand what lenders care about. This includes things like date registered, status (outstanding or satisfied), amount, and how many in general.