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 2026-04-22. Information only — not advice.

Your situation

Deposit (% of property value)

Adverse credit (CCJ, default, DMP)?

Sole or joint?

59 of 59 matching lenders for your situation

High Street Lenders

Barclays— Up to 95% LTV, CCJ must be ≥36 months old
Clydesdale Bank— Up to 95% LTV, CCJ must be ≥6 months old
HSBC— Up to 95% LTV, CCJ must be ≥36 months old
Metro Bank— Up to 95% LTV, CCJ must be ≥36 months old
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
Cumberland Building Society— Up to 95% LTV, CCJ must be ≥36 months old
Darlington Building Society— Up to 95% LTV, CCJ must be ≥36 months old
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— CCJ must be ≥36 months old
Family Building Society— Up to 80% LTV, CCJ must be ≥36 months old
Furness Building Society— Up to 95% LTV, CCJ must be ≥36 months old
Godiva Mortgages— Up to 95% LTV, CCJ must be ≥6 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
Leek 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 95% LTV, CCJ must be ≥36 months old
Monmouthshire Building Society— 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
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 100% LTV, 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— CCJ must be ≥36 months old
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— Up to 95% LTV, CCJ must be ≥36 months old
Bluestone Mortgages— Up to 90% LTV, CCJ must be ≥36 months old
Castle Trust— CCJ must be ≥12 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
Kensington Mortgages— Up to 95% LTV, CCJ must be ≥6 months old
Keystone Property Finance— Up to 80% LTV, CCJ must be ≥24 months old
LendInvest— Up to 90% LTV, CCJ must be ≥12 months old
LiveMore— Up to 80% LTV, CCJ must be ≥36 months old
Moda Mortgages— CCJ must be ≥36 months old
Pepper Money— CCJ must be ≥6 months old
Perenna— Up to 95% LTV, CCJ must be ≥36 months old
Precise Mortgages— Up to 95% LTV, CCJ must be ≥24 months old
Rely Mortgages— CCJ must be ≥24 months old
Tandem Bank— Up to 90% LTV, CCJ must be ≥24 months old
The Mortgage Lender— Up to 95% LTV, CCJ must be ≥6 months old
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

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.

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Frequently 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.