If you have previously had County Court Judgements (CCJs) against your name, or against the name of any applicant for the mortgage or anyone that shares a 'financial interest' - e.g. spouse or partner, then getting a mortgage can be problematic.
As long as there are only 1 or 2 CCJs then there are options open to you with a CCJs Allowed Mortgage. These count as higher risk mortgages as you have previously demonstrated some sort of financial problem and the lender is worried that you might default on the mortgage.
But not all CCJs may be your fault. A friend of mine was held responsible for a car accident and their insurers were slow to pay up so the other party issued a CCJ against them to force the insurers to pay. They didn't know themselves until they tried to take out a loan. For this reason, before applying for a mortgage is can be a good idea to run a Free Credit Report Check From Experian to make sure there aren't any nasty surprises! If there are, you may be able to sort them BEFORE applying for the mortgage - and possibly being turned down, which could also end up on your credit report...
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