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.
Data refreshed 2026-05-03. Information only — not advice.
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High Street Lenders
- Barclays— Up to 95% LTV, max 1 satisfied CCJ ≤£200 in last 3yr
- Clydesdale Bank— Up to 95% LTV, max 1 satisfied CCJ ≤£500 in 6yr (none in 6m)
- HSBC— Up to 95% LTV, total CCJs ≤£500 in last 3yr
- Metro Bank— Up to 95% LTV, ≤£1,500 in last 36m (none in 3m)
- Nationwide— Refer — depends on value & date registered
- Virgin Money— Up to 95% LTV, max 1 satisfied CCJ ≤£500 in 6yr (none in 6m)
Building Societies
- Bath Building Society— Up to 70% LTV if CCJ ≤£500 in last 3yr satisfied; 95% LTV if none in 6yr
- Beverley Building Society— Up to 95% LTV, satisfied CCJ ≥3yr
- Buckinghamshire Building Society— Up to 90% LTV, ≤£100 in last 3yr (none in 2yr)
- Cambridge Building Society— Up to 95% LTV, CCJ <£500 satisfied >24m
- Chorley Building Society— Up to 95% LTV, 1 CCJ ≤£500 in 3yr satisfied >12m
- Coventry Building Society— Up to 95% LTV, CCJ <£500 satisfied >6m
- Cumberland Building Society— Up to 95% LTV, CCJ ≤£500 in last 3yr settled
- Darlington Building Society— Up to 95% LTV, CCJ ≥36m old
- Dudley Building Society— Up to 90% LTV, max £5,000 / 2 CCJs registered ≥3yr
- Earl Shilton Building Society— Up to 95% LTV, ≤£500 (CCJ+default combined) in last 3yr satisfied
- Ecology Building Society— CCJ satisfied >36m, or 12-36m permitted with conditions
- Family Building Society— Up to 80% LTV, up to 3 satisfied CCJs ≤£500
- Furness Building Society— Up to 95% LTV, CCJs ≤£500 in last 3yr
- Godiva Mortgages— Up to 95% LTV, CCJ <£500 satisfied >6m
- Hanley Economic Building Society— Up to 95% LTV, max 1 CCJ satisfied ≥12m
- Hinckley & Rugby Building Society— Up to 95% LTV, max 2 satisfied CCJs ≤£500, registered ≥3m
- Leeds Building Society— Up to 95% LTV, max 1 CCJ in last 3yr satisfied
- Leek Building Society— Up to 95% LTV, CCJs <£500 settled ≥6m, registered ≥3yr
- Loughborough Building Society— Up to 95% LTV, max 3 CCJs <£500 satisfied ≥3m
- Mansfield Building Society— Up to 95% LTV, ≤£6,000 in last 3yr (none in 12m)
- Market Harborough Building Society— Up to 80% LTV, CCJs ≤£500 in last 3yr
- Marsden Building Society— Up to 95% LTV, CCJ ≥3yr old (max £2,500)
- Monmouthshire Building Society— Up to 95% LTV, ≤£500 satisfied >6m
- Newcastle Building Society— Up to 95% LTV, CCJ satisfied within last 3yr OK
- Nottingham Building Society— Up to 95% LTV, ≤£500 in last 3yr satisfied
- Principality Building Society— Up to 95% LTV, CCJs ≤£500 in last 6yr
- Saffron Building Society— Up to 95% LTV, CCJs ≤£500 settled in last 24m
- Scottish Building Society— Up to 95% LTV, up to 2 satisfied CCJs (≤£250 if <1yr)
- Skipton Building Society— Up to 100% LTV, 1 CCJ ≤£500 in last 3yr satisfied
- Suffolk Building Society— Up to 95% LTV, ≤£2,000 in last 3yr (none in 12m)
- Teachers Building Society— Up to 95% LTV, no CCJs outstanding in last 3yr
- The Melton Building Society— Total CCJs ≤£1,000 satisfied >3yr (existing homeowners with no missed mortgage)
- Tipton & Coseley Building Society— Up to 95% LTV, max 3 CCJs ≤£500 combined, satisfied prior to completion
- West Bromwich Building Society— Up to 95% LTV, CCJs ≤£500 in last 3yr
Specialist Lenders
- Aldermore— Up to 95% LTV, satisfied CCJ ≤£300 ignored; otherwise ≥36m old
- Atom Bank— Up to 85% LTV, satisfied/unsatisfied CCJ ≤£500 in last 3yr
- Bluestone Mortgages— Up to 90% LTV, none in last 6m, >£500 ignored after 36m
- Castle Trust— CCJ ≥12m old, max £5,000 satisfied across 3 instances in 36m
- CHL Mortgages— Up to 75% LTV (BTL), CHL2 max £500 satisfied in last 3yr
- Fleet Mortgages— Up to 75% LTV, CCJ ≤£250 unsatisfied in last 36m
- Foundation Home Loans— Refer — accepted on F2/F3/F4 product range
- Gatehouse Bank— Up to 80% LTV, no CCJs in last 3yr
- Generation Home— Up to 95% LTV, satisfied CCJ ≤£100 in last 3yr (with rationale)
- Hodge Bank— Up to 95% LTV, CCJs ≤£500 in last 3yr satisfied
- Kensington Mortgages— Up to 95% LTV, satisfied CCJ ≥6m old (Resi 12 product)
- Keystone Property Finance— Up to 80% LTV (BTL), no CCJ in last 24m
- LendInvest— Up to 90% LTV, CCJ ≥12m old (Progress tier)
- LiveMore— Up to 80% LTV, CCJs ≤£500 in last 3yr satisfied
- Moda Mortgages— 0 in 24m, max 1 in 36m
- Norton Home Loans— Up to 80% LTV, CCJ assessed individually with payment info
- Pepper Money— CCJ ≥6m old, no need to be satisfied, no value cap
- Perenna— Up to 95% LTV, ≤£500 in last 3yr
- Precise Mortgages— Up to 95% LTV, CCJ ≥24m old
- Rely Mortgages— CCJ ≥24m old (Light adverse); satisfied at application
- Tandem Bank— Up to 90% LTV, CCJs considered (no satisfaction required)
- The Mortgage Lender— Up to 95% LTV, 1 CCJ in 36m (none in 6m), <£300 ignored
- Together— Refer — CCJs assessed per product card
- United Trust Bank— Up to 85% LTV, CCJs ≥24m old (UTB-1+)
- Vida Homeloans— Refer — adverse tier per product guide
- West One Loans— Up to 97.5% LTV, satisfied CCJ ≥36m (Premier); 24m (Platinum); 12m (Prime Plus)
Why 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
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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.
