You will have a much better chance of getting a mortgage if the CCJ has been satisfied. This means that you settled any outstanding charges and resolved them with no further action needed. Some lenders prefer a 12-24 month gap from the settlement, but others may be more lenient and give an extension for good faith. The financial amount of the CCJ can have a major impact. If it’s considered too high or more than what is necessary, which in turn would make lenders less likely to take the risk. However, there are lenders out there albeit with higher rates.