🏆 Award-Winning Bad Credit Specialist · FCA No. 301173
Bad Credit Mortgage Broker Portsmouth
Darryl Dhoffer
CeMAP · CeRER · FCA 301173 · ⭐ 52 Reviews
"I specialise in exactly this. Free assessment — no credit search, no obligation. I respond within 2 hours."
CCJs, defaults, IVAs, missed payments — Darryl Dhoffer helps clients across Portsmouth & Hampshire secure mortgages when banks say no. Free quote. No obligation. Responds within 2 hours.
Being declined feels personal. It isn't — banks use computers. Darryl uses judgement.
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⭐⭐⭐⭐⭐ 52 Google Reviews
🏆 Award-Winning
🏦 65+ Lenders
✅ FCA Regulated
📞 01234 237321
📰 Daily Express · The Intermediary · Daily Mirror
Bad Credit Mortgage Broker in Portsmouth
If you've been turned down for a mortgage in Portsmouth because of your credit history, you're not out of options. Darryl Dhoffer is a whole-of-market broker with access to 65+ lenders, including specialist adverse credit lenders that don't appear on comparison sites and won't take applications directly from the public.
Everything is handled remotely — by phone, WhatsApp and email — so wherever you are in Portsmouth or Hampshire, there's no need to visit an office. Darryl works with clients across the whole of the UK in exactly the same way.
It starts with a free, no-obligation assessment. No credit search, nothing recorded on your file — just an honest conversation about what's realistically possible for your situation.
✅ Bad Credit We Help With in Portsmouth
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CCJs
Satisfied or unsatisfied, recent or historic. We know which lenders look past them.
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Defaults
Single or multiple defaults. Age and amount matter — we know which lenders to approach.
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IVA / DMP
Currently in or recently completed an IVA or Debt Management Plan.
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Missed Payments
Late or missed payments on any credit commitment.
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Repossession
Previous property repossession is not necessarily a barrier.
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Bankruptcy
Discharged bankruptcy. Options often exist sooner than people expect.
❓ Bad Credit Mortgage FAQs — Portsmouth
How soon after a CCJ, default or missed payment can I apply? ›
There's no single answer — it depends on the lender, the type of issue and how long ago it happened. Some specialist lenders will consider you very soon after an event; others prefer to see a period of clean conduct first. Darryl's job is to match you with lenders whose criteria you meet now, rather than making you wait unnecessarily.
Does it matter whether my score is with Experian, Equifax or TransUnion? ›
It can. The three main UK credit reference agencies don't always hold identical information, and different lenders use different agencies — or their own scoring built on that data — to make decisions. A low score with one agency doesn't automatically mean every lender will see you the same way, which is exactly why matching you to the right lender matters more than the number on any single app.
How much deposit will I need in Portsmouth? ›
It depends on the severity of your credit history. Many specialist products are available from 10-15% deposit, milder cases such as older or satisfied issues are sometimes accepted from 5-10%, while more serious or recent issues like an unsatisfied CCJ may need 15-25%. Darryl will confirm realistic figures once he's seen your full picture.
What documents will I need to apply? ›
Typically recent payslips or accounts, bank statements, proof of ID and address, and details of any credit issues. Darryl will confirm exactly what's needed once he understands your situation, so you're not left guessing.
⭐ What Clients Say
★★★★★
"Excellent service from start to finish. Darryl was extremely responsive throughout, always replying quickly to questions and keeping me updated at every stage. His communication was clear and easy to understand, even with the more technical parts of the mortgage process. Darryl worked hard to find the right options for my situation and made the whole process feel straightforward and stress-free. Would definitely recommend him to anyone looking for a mortgage broker."
Fizz Solmon — Google Review
★★★★★
"Just when I had lost all hope, I found Darryl and within weeks my mortgage was approved. Given my bad credit history, I honestly didn't think any of this would be possible."
Tim Ellis — Bad Credit Mortgage
★★★★★
"After approaching Darryl with what I thought was a tricky case, he immediately put my nerves at ease. Within a few weeks he had secured us a deal."
Hayley Beale — Complex Case
★★★★★
"Darryl was absolutely amazing from the first phone-call to the very quick mortgage offer! This actually feels like nothing short of a miracle!"
Kate Dalton — First-Time Buyer
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Get Your Free Bad Credit Assessment — Portsmouth
No credit search. No obligation. Darryl personally reviews every enquiry and responds within 2 hours.
📞 01234 237321
✉️ contact@themortgagegeezer.co.uk
🔒 FCA No. 301173
⭐ 52 Five-Star Google Reviews
❓ Common Questions
Can I get a joint mortgage if one of us has bad credit?
Yes. Lenders assess joint applications on the combined picture, and a strong second income or clean credit history from one applicant can help — though it depends on the specific lender and the nature of the credit issue.
What if I've had more than one type of credit issue?
It's common to have more than one — for example a default alongside missed payments. Darryl looks at the whole picture together rather than any single issue in isolation, and matches you to lenders who can accommodate the combination.
Is a guarantor mortgage an option in Portsmouth?
It can be, particularly for first-time buyers or where affordability is tight alongside credit issues. A guarantor mortgage isn't right for everyone, but it's one of several routes Darryl will consider if it suits your situation.
Lender criteria, rates and deposit requirements quoted on this page are indicative and subject to change without notice. Individual circumstances vary. This page provides general information only and does not constitute regulated financial advice. The Mortgage Geezer is a trading style of Access Financial Services Ltd who are authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 301173. Registered in England No. 04427489. Registered office address Access Financial Services Ltd, Unit 1 Furtho Court, Towcester Road, Old Stratford, Milton Keynes, MK19 6AN. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT.