A shared ownership mortgage with a CCJ is still possible. High street banks are strict, but specialist lenders can be flexible — especially if the CCJ is older or settled. Because you only buy a share, deposits and borrowing are lower, which helps approval odds.
What is a CCJ and How Long Does it Stay on File?
A County Court Judgment (CCJ) is a court ruling that you owe money to a creditor. It stays on your credit file for six years from the date issued. Paying it doesn’t remove it, but it can be marked “satisfied,” which most lenders view more positively.
Settled vs Unsettled CCJs – What’s the Difference?
Unsettled CCJs are usually a hard stop with most lenders. Settled CCJs — especially those settled 12+ months ago — can be acceptable to certain specialist lenders alongside strong affordability.
How the Age of a CCJ Affects Your Chances
- < 12 months old: Very difficult — most lenders decline.
- 12–24 months old: Possible with specialist lenders if settled and your conduct is clean.
- 3+ years old: Much easier, particularly with no new issues since.
“I had a CCJ two years ago and thought no one would help. Honest Mortgages found a shared ownership lender who said yes.”
— Client review
Do I Need a Deposit If I’ve Had a CCJ?
Some specialist lenders can lend up to 100% of your share, so a deposit isn’t always required by the lender. However, many housing associations still ask for a minimum 5% deposit of the share. Having savings also helps with fees.
Practical Steps if You’ve Had a CCJ
- Check your report — confirm dates and status are correct.
- Settle CCJs where possible — “satisfied” looks far better.
- Show stability — clean conduct for 6–12 months, steady income.
- Save a small deposit — many HAs ask for 5% of the share.
- Use a broker — most bad-credit friendly options are broker-only.
FAQs About Shared Ownership and CCJs
Can I get shared ownership with an active CCJ?
Very unlikely. Most lenders require CCJs to be settled first.
Do I need a deposit if I’ve had a CCJ?
Not always with lenders (some go to 100% of your share), but many housing associations require at least 5%.
Do satisfied CCJs still affect my chances?
Yes, but far less than unsettled ones — and the older it is, the better.
How long before a CCJ drops off my file?
Six years from the issue date, whether paid or not.
