⚡ Quick Answer
CCJ on your file? You can still get a mortgage. Find out which lenders accept CCJs and what deposit you need. Use our mortgage calculator to estimate your payments, and see our full mortgage hub for all guides.
How to Get Started
The first step is always to check your credit score for free and understand your current financial position. Then use our mortgage calculator to estimate what you could borrow.
Trusted Resources
For official UK government guidance, visit GOV.UK property buying guide ↗. For free independent advice, see MoneyHelper ↗ or Citizens Advice ↗.
Quick Links
External Resources
- FCA — Official Mortgage Consumer Guide ↗
- MoneySavingExpert Mortgage Guide ↗
- Which? Mortgages & Property ↗
- MoneyHelper — Buying a Home ↗
Frequently Asked Questions
- Benchmark total cost over the fixed period — rate plus fees, not headline rate alone
- Loan-to-value bands (95/90/85/80/75%) drive pricing — check the nearest band boundary
- Get a soft-search decision in principle before house-hunting — it costs nothing and reveals problems early
- Whole-of-market brokers see deals comparison sites don't carry, especially for non-standard income
Beyond the Basics
Timing your remortgage matters more than most borrowers realise. Most lenders let you secure a new rate up to 6 months before your current deal ends — if rates rise you're protected, and if they fall you can usually re-lock lower before completion.
Get your decision in principle before falling in love with a property. It's a soft-search estimate of your borrowing power that estate agents increasingly require before viewings, and it surfaces credit-file surprises while there's still time to fix them.
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