Mortgage Services

Mortgage with a CCJ

Our advisors are experts in dealing with these kinds of complications and will guide you every step along the way so that everything goes smoothly.


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Getting a mortgage with an outstanding CCJ (County Court Judgment) can be tricky, but we’re here to help you through the process.

One of the most popular questions we get is ‘can I get a mortgage with a CCJ?’.  The answer is yes! You can still get a mortgage with CCJs. However, it all depends on different factors:

One of the key factors is how recently your CCJ was registered. The older it is, the better chance that you will be successful in finding a lender.

You will have a much better chance of getting a mortgage if the CCJ has been satisfied. This means that you settled any outstanding charges and resolved them with no further action needed. Some lenders prefer a 12-24 month gap from the settlement, but others may be more lenient and give an extension for good faith.

The financial amount of the CCJ can have a major impact. If it’s considered too high or more than what is necessary, which in turn would make lenders less likely to take the risk. However, there are lenders out there albeit with higher rates. As a mortgage is secured against you home, it could be repossessed if you do not keep up the mortgage repayments. 

If you are struggling with more than one CCJ, this can cause major issues. History of late or missed payments will restrict your mortgage options and make it difficult to qualify for future loans.

After receiving a CCJ, make sure that you meet payments on all accounts and other agreements to rebuild your credit score. 

In that case, it is important to contact the lender as soon as possible so they may help work out an arrangement where their services can still be utilized while rebuilding some of those lost points with them (you’ll never know what might happen). 


Ask us about

Mortgages with a CCJ

Just give one of our friendly experts your details, and they’ll take care of everything from there, including telling which lender would be best for your requirements and needs as well as giving pointers on finding out if refinancing might make sense given where rates are now.


Insurance and Protection

At Airborne we like to support our clients with all of their needs. That’s why we are happy to help with life insurance and critical illness cover too.

Even although we all hope that it’s something we’ll never need, it’s vitally important to protect your investment and cover yourself and your loved ones for those unexpected events.

Beyond exploring mortgage deals, as specialist mortgages, we can also assist you in securing life insurance and critical illness coverage. Our team understands the importance of safeguarding your family's future, and we're here to guide you in choosing the right policy to suit your specific needs.

Speak to a member of our friendly team to find the very best policy for your specific needs


Protecting your investment for those unexpected events we hope will never happen. 


Making sure that the essential bills can be paid should you be unable to work.

Related Blog Posts

Helpful blogs for Mortgages with a CCJ

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What our clients have to say

Kam and his team at Airborne have been a real game changer for us. They were understanding of our requirements from the beginning and accessible on the phone throughout the process. We had a fairly complex case, but this didn't stop Kam from finding a tailored solution for us, and we will be using Airborne again moving forward. We highly recommend Airborne to anyone who needs a Mortgage, and you will also gain a valuable friend in Kam - Top Man.

Jonathan Monk Avatar Jonathan Monk
March 12, 2022

Mr Lodhia and Savraj were incredibly professional and prompt with my mortgage. Mr Lodhia was honest, well informed and was able to offer sound advice. I was given options within 24 hours, and they remained supportive throughout the process. I was thoroughly impressed and grateful for all the hard work the team put in!

I highly recommend Airborne to anyone who is looking to buy.

Devyani Bhatt Avatar Devyani Bhatt
March 12, 2022

My brothers and I were looking to jointly buy our first home and weren’t sure of how to go about it, High street banks couldn’t help us.
A friend recommended Kamlesh at Airborne Mortgage Solutions. He understood what we wanted and advised us on a great mortgage which we completed last week.
Thanks Kamlesh for putting up with our endless questions and being there to help.
Highly recommended to our friends and family.

January 12, 2022

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Pickford House
16 High View Close
Vantage Park

08000 835 209