When discussing whether you can get a mortgage with a CCJ, it is important to approach the subject with clarity and realism. A CCJ (County Court Judgment) indicates to lenders that you have previously defaulted on a debt and the matter was taken to court https://smartcitymortgages.co.uk/blog/can-you-get-a-mortgage-with-a-ccj-eligibility-deposits-options/ . As a result, lenders assess risk more cautiously. This directly affects CCJ mortgage eligibility and the range of products potentially available to an applicant. A CCJ is a court order issued in England and Wales requiring repayment of a debt. Once issued, it is recorded on the Register of Judgments, Orders and Fines and appears on your credit file for six years. During this time, lenders reviewing an application will see key details, including the date registered, whether it is satisfied or outstanding, the total amount, and whether there are multiple judgments. In many cases, obtaining a mortgage with a CCJ is possible. Approval is more likely when the CCJ is older, has been satisfied, and involves a relatively small amount. However, if the CCJ is recent, unpaid, substantial in value, or one of several judgments, options may be more limited. In such circumstances, borrowers often explore specialist lending solutions designed for applicants with adverse credit histories. These products may come with higher interest rates, stricter affordability checks, and additional underwriting requirements. Deposit size is another critical factor. The size of the CCJ mortgage deposit is not fixed; it depends on the overall risk profile. Generally, the more recent or serious the CCJ, the larger the deposit required. While some lenders may consider higher loan-to-value scenarios, such as 90–95%, this depends heavily on the applicant’s broader financial position, income stability, and credit conduct since the judgment. From a neutral perspective, platforms operating in areas such as Smart City developments or other modern housing projects may work alongside brokers or advisers familiar with complex credit cases. However, each lender applies its own internal criteria, and outcomes vary significantly. Smart City locations do not automatically change CCJ mortgage eligibility, but property type and valuation can also influence lending decisions.