Which UK Lenders Lend With a CCJ in the Last 3 Years?
Many UK lenders accept recent CCJs if they're satisfied and the applicant can document the circumstances. The lender pool narrows sharply for unsatisfied or multi-CCJ cases.
As of 2026-07-15, published criteria from 55 of the 58 UK lenders we track can accommodate this scenario — 4 high-street, 31 building societies and 20 specialist — with minimum deposits from 2.5%.
Data refreshed 2026-07-15. Information only — not advice.
Your situation
55 of 55 matching lenders for your situation
High Street Lenders
- Barclays— Up to 95% LTV, CCJ must be ≥36 months old
- HSBC— Up to 95% LTV, CCJ must be ≥36 months old
- Metro Bank— 3 months since registration; a rolling 36-month window applies to the £1,500 value cap
- Virgin Money— Up to 95% LTV, CCJ must be ≥6 months old
Building Societies
- Bath Building Society— Up to 95% LTV, CCJ must be ≥24 months old
- Beverley Building Society— Up to 95% LTV, CCJ must be ≥36 months old
- Buckinghamshire Building Society— Up to 90% LTV, CCJ must be ≥36 months old
- Cambridge Building Society— Up to 95% LTV, CCJ must be ≥24 months old
- Chorley Building Society— Up to 95% LTV, CCJ must be ≥36 months old
- Coventry Building Society— Up to 95% LTV, CCJ must be ≥6 months old
- Darlington Building Society— Up to 95% LTV (80% for London/M25 remortgage), CCJ must be satisfied 3+ years and under £500
- Dudley Building Society— Up to 90% LTV, CCJ must be ≥36 months old
- Earl Shilton Building Society— Up to 95% LTV, CCJ must be ≥36 months old
- Ecology Building Society— Green-gated lending only — every product requires the property to meet ecological/EPC criteria; LTV varies by product (Eco Home/Green Renovation 80%, Renovation 90%, Shared Ownership 95% of share), satisfied over 3 years ago
- Family Building Society— CCJs registered over 36 months ago can potentially be disregarded; anything inside 36 months is outside standard policy (a single satisfied CCJ under £500 may be considered as an exception)
- Furness Building Society— Up to 95% LTV, CCJ must be ≥36 months old
- Hanley Economic Building Society— Up to 95% LTV, CCJ must be ≥12 months old
- Hinckley & Rugby Building Society— Up to 95% LTV, CCJ must be ≥3 months old
- Leeds Building Society— Up to 95% LTV, CCJ must be ≥36 months old
- Loughborough Building Society— Up to 95% LTV, CCJ must be ≥3 months old
- Mansfield Building Society— Up to 95% LTV, CCJ must be ≥36 months old
- Market Harborough Building Society— Up to 80% LTV, CCJ must be ≥36 months old
- Marsden Building Society— Up to 80% LTV for adverse, CCJ registered 36+ months ago and satisfied 12+ months, £2,500 cap
- Monmouthshire Building Society— Temporarily paused — not accepting new residential applications while they upgrade their systems. Previously: Up to 95% LTV, CCJ must be ≥6 months old
- Newcastle Building Society— Up to 95% LTV, CCJ must be ≥36 months old
- Nottingham Building Society— Up to 95% LTV, CCJ must be ≥36 months old
- Progressive Building Society— Up to 95% LTV, CCJ must be ≥36 months old
- Saffron Building Society— Up to 95% LTV, CCJ must be ≥24 months old
- Scottish Building Society— Up to 95% LTV, CCJ must be ≥36 months old
- Skipton Building Society— Up to 95% LTV (its 100% Track Record product is clean-credit only), CCJ must be ≥36 months old
- Suffolk Building Society— Up to 95% LTV, CCJ must be ≥36 months old
- Teachers Building Society— Up to 95% LTV, CCJ must be ≥36 months old
- The Melton Building Society— Up to 95% LTV (interest-only 60%, London 60%), satisfied over 3 years ago; exposure £500-£1,000
- Tipton & Coseley Building Society— Up to 95% LTV, no age restriction
- West Bromwich Building Society— Up to 95% LTV, CCJ must be ≥36 months old
Specialist Lenders
- Aldermore— Up to 95% LTV, CCJ must be ≥36 months old
- Atom Bank— 12 months on Prime/Near Prime up to 90% LTV; 36 months at 95% LTV
- Bluestone Mortgages— Up to 90% LTV, CCJ must be ≥36 months old
- Fleet Mortgages— Up to 75% LTV, CCJ must be ≥36 months old
- Gatehouse Bank— Up to 80% LTV, CCJ must be ≥36 months old
- Generation Home— Up to 95% LTV, CCJ must be ≥36 months old
- Hodge Bank— Up to 95% LTV, CCJ must be ≥36 months old
- InterBay— Up to 85% LTV, CCJ must be ≥36 months old
- Kensington Mortgages— tiered by product: Select needs 36 months (72 months above 90% LTV), Core 24 months, Resi 12/6 from 12 or 6 months
- Keystone Property Finance— Up to 80% LTV, CCJ must be ≥24 months old
- LendInvest— tiered by product: 48 months on Premier (to 90% LTV), through 24 months, down to 12 months on Support (75% LTV)
- LiveMore— LiveMore announced in June 2026 that it had cut its assessment window from 3 years to 18 months, but its published criteria guide still shows 3 years — confirm the current position with the lender
- Pepper Money— Up to 85% LTV (75% above £750k), no CCJ registered in the last 6 months
- Perenna— Up to 95% LTV, CCJ must be ≥36 months old
- Precise Mortgages— no minimum age since satisfaction — assessed on a 3-month recency floor and how many were registered in the last 24 months
- Rely Mortgages— tiered: 72 months for the No Adverse tier, 24 months, or 12 months on Light Adverse
- Tandem Bank— Up to 90% LTV, CCJ must be ≥24 months old
- The Mortgage Lender— 36 months on the mainstream RL0/RL1 tiers; from 6 months on RL2/RL3 with count and value caps (higher-priced products)
- United Trust Bank— Up to 85% LTV, CCJ must be ≥24 months old
- West One Loans— Up to 97.5% LTV, CCJ must be ≥36 months old
A lender name is only half the answer — the amount each might lend varies by tens of thousands — our figures are conservative estimates, not offers.
See your figuresWhy some lenders say no
- Most high-street lenders auto-decline on any CCJ inside 3-6 years.
- Unsatisfied CCJs are almost always declined; satisfied ones have more options.
- Total count and value matter — multiple or large CCJs narrow the pool further.
Related reading: Getting a mortgage with CCJs · Adverse credit timeline
See an estimate of what each of these lenders might lend you
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Run My Affordability CheckFrequently asked questions
Does a satisfied CCJ count differently than unsatisfied?
Yes. Satisfied CCJs (paid off) have many more lenders than unsatisfied. Most lenders insist on satisfaction as a starting point, then apply their own age-months rule on top.
Does it matter how much the CCJ was for?
Yes. Some lenders have a £ threshold (e.g. CCJs under £500 disregarded). Others count every CCJ regardless of amount. Larger CCJs usually need a longer 'clean since' period.
Will I pay a higher rate?
Usually. Adverse credit products typically sit 0.5-1.5% above standard rates. The rate premium varies by how recent, how many, and whether satisfied.
Should I use a mortgage broker?
For adverse-credit cases, yes — specialist brokers know which lenders will actually say yes, reducing wasted credit searches on your file.
