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If one has an outstanding county court judgement or CCJs, then the obtaining of mortgages with CCJs or a remortgage with a CCJ may be more difficult than for those with an unblemished credit record. Despite this consideration, a county court judgement should not be seen as a permanent impediment to the obtaining of a mortgage or remortgage products.
Mortgages with CCJs – The Legal Status of Getting a Mortgage with CCJs
Whilst outstanding CCJs will appear on one's credit record and affect the ability of an individual to access both mortgages and credit products, there is no legal impediment to an individual who has a CCJ actually buying a property or obtaining a mortgage for that purpose.
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