First Time Buyer Mortgage with CCJs
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First Time Buyer Mortgage with CCJs
Can I get a mortgage as a First Time Buyer if I have CCJs?
Yes, it is possible as a First Time Buyer to get a mortgage with CCJs. High street lenders may decline those situations, but there are lots of specialists or ‘adverse credit’ lenders who will consider applications from a First Time Buyer with CCJs.
Approval depends on how old the CCJ is, the size, whether it’s been paid and how many CCJs you have. It also comes back to income and deposit. This is somewhere that a good specialist broker can really help you.
Do my CCJs need to be satisfied or paid off to get a mortgage as a First Time Buyer?
Not always, but it will help. If you’re in a position to pay those CCJs off, obviously it looks better to lenders.
They’ll still accept unsatisfied CCJs, but you may pay higher rates or get a lower loan amount. There may be a bigger deposit requirement. If the CCJ is satisfied, we have a greater choice of lenders.
How old do my CCJs need to be before I can apply for a mortgage as a First Time Buyer?
Every lender we go to will have a different risk appetite and set of rules. As a general guide, though, a CCJ that’s under six months old will make it quite difficult to find a lender for a First Time Buyer.
Once it reaches six to 12 months, some specialist lenders may consider it. From 12 to 24 months we have a wider choice again. Once it’s over two years old it becomes less of a problem, and after six years the CCJ will drop off your credit file entirely, and we get the whole market back again.
How soon can I apply for a mortgage as a First Time Buyer once my CCJs are settled?
We can apply immediately to the right type of lenders. But if you want to go to high street lenders, I suggest leaving it for at least a three month period. If you’ve satisfied your CCJ, there will be a lender for you, even in those adverse areas.
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Does the value or number of CCJs affect my chances of being approved for a mortgage as a First Time Buyer?
It does. Obviously, the lenders are trying to build a picture of credit worthiness. If there’s a large CCJ or lots of CCJs, even for smaller values, that gives them a sense of how you repay debts.
Lenders typically look for the total value of the CCJs, the number of them, when they were registered and whether they’ve been satisfied. We work with our clients to find the most suitable mortgage options.
Are government schemes available to help First Time Buyers who have CCJs?
If you have a CCJ, we find you a lender and then look at the schemes that are available.
Obviously there aren’t as many government schemes nowadays, but there is still shared ownership and the First Home scheme and Right to Buy. We can absolutely assist in those areas and the lenders all support those schemes, as well [information correct at the time of recording in December 2025].
Will I need a bigger deposit for a mortgage as a First Time Buyer because of my credit history and CCJs?
Often that’s exactly what they’re looking for. With a CCJ as a First Time Buyer, whatever the circumstance, you’ll be seen as a slightly higher risk. The lender will want to give themselves more comfort – either by charging a little extra or asking for more of your own money to be put in. That gives them more security.
A typical expectation is a 10% to 25% deposit, depending on the age and the value of the CCJs.
Will I have to pay a higher interest rate as a First Time Buyer because of my CCJs?
Yes, usually. Lenders will price for risk. If you come along with a little blemish on your history, that’s fine – it happens. They will just charge higher interest.
Can I remortgage later for a better deal once my credit improves?
Absolutely. That’s part of the job that we love as mortgage brokers, because we always try to get people the cheapest borrowing we can.
We always stay in touch with clients and try to switch them over to a high street lender as soon as possible. We want to reduce your interest rate and lower your monthly payments.
Can I improve my chances by applying with a guarantor or a co-applicant?
Absolutely. If we’ve got a guarantor or a co-applicant with good credit, a lender looks at that case overall. One person might have a great risk profile and the other has a credit blemish.
Merging the two together will help.
We can’t always promise it will work – and it might still be with an adverse lender. But we will absolutely try.
How can a mortgage broker help me with my First Time Buyer mortgage application?
The role of a broker here is to obtain a mortgage for the cheapest amount possible. We’re well versed in what the lenders are looking for. We check credit reports and match clients with the lenders who will offer them the mortgage they are looking for.
We will advise whether it’s right to apply now or wait. We recognise that multiple credit checks can affect your file, and we make sure we’re protecting that all the time. It’s all about maximising your chances of approval.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS.