CCJ - worth waiting out ?

Hi all, I have a CCJ that has been settled back in 2021. It's due to expire in Jan 2027. S/O and I are currently renting and we're originally hoping to move out later this year. My credit score on checkmyfile seems okay (690-700) and we have some AIPs, but it seems we are being frozen out of some of the more attractive mortgage rates.

Has anyone been in similar position and was there a marked difference to the mortgage offers that were available to you? Landlord has told us they wish to continue with us and no price increase for the meantime but am weighing up if it's worth waiting the 6 months

Posted Jun 11, 2026, 9:29 PM UTC

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