🏆 Award-Winning UK Bad Credit Specialist · FCA No. 301173
UK Bad Credit Mortgage Broker — Darryl Dhoffer
Award-winning specialist. 90+ lenders. CCJs, defaults, IVAs, missed payments — whatever your credit history, Darryl has almost certainly helped someone in your exact situation. Free quote. No obligation.
⭐⭐⭐⭐⭐ 43 Google Reviews
🏆 Award-Winning Broker
🏦 90+ Lenders
📞 01234 237321
✅ FCA Regulated
The UK's Go-To Bad Credit Mortgage Specialist
Most mortgage brokers turn away bad credit cases. Darryl Dhoffer built his entire business around them. As an independent whole-of-market broker with access to 90+ lenders — including specialist adverse credit lenders that don't appear on comparison sites or high street banks — Darryl has helped hundreds of people across the UK secure mortgages after being declined elsewhere.
Whether you have a CCJ from 2 years ago, multiple defaults, a completed IVA, missed mortgage payments, or a complex combination of credit issues, Darryl will give you an honest assessment of what's possible — and then go and make it happen.
The Mortgage Geezer is not a call centre. When you contact Darryl, you speak to Darryl. He personally reviews every case, responds within 2 hours, and stays with you through every step of the process.
✅ Bad Credit We Specialise In
⚖️
CCJs
County Court Judgments — satisfied or unsatisfied, recent or historic. We know which lenders look past them.
📋
Defaults
Single or multiple defaults across telecoms, utilities, credit cards or loans. Age and amount matter — we know how.
📑
IVA / DMP
Currently in or recently completed an IVA or Debt Management Plan. Options exist — we'll find them.
💸
Missed Payments
Late or missed payments on mortgage, loans or credit cards. Context matters more than the mark itself.
🏚️
Repossession
Previous property repossession. Specialist lenders will consider this — timeline and deposit are key.
📉
Bankruptcy
Discharged bankruptcy. Many clients are surprised what's possible even shortly after discharge.
Darryl Dhoffer — The Mortgage Geezer
20+ years in mortgages. Award-winning specialist. I've helped hundreds of people across the UK who were told "no" by their bank — first-time buyers, remortgagers, landlords and homeowners with every type of adverse credit history.
I work with 90+ lenders including specialist adverse credit lenders that don't appear on comparison sites. I don't just find you a mortgage — I find you the best mortgage your situation allows, and I create a plan to improve your options at every future remortgage.
CeMAP QUALIFIED
CeRER QUALIFIED
FCA NO. 301173
AWARD WINNING
FEATURED: DAILY EXPRESS
FEATURED: FT ADVISER
💬 What Clients Say
★★★★★
"Darryl was absolutely amazing from the first phone-call to the very quick mortgage offer! As first-time buyers who weren't even sure we could get a mortgage, this actually feels like nothing short of a miracle!"
Kate Dalton — First-Time Buyer
★★★★★
"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 going to be a tricky case, he immediately put my nerves at ease. Within a few weeks he had secured us a deal."
Hayley Beale — Complex Case
❓ Frequently Asked Questions
What is a bad credit mortgage broker? ›
A bad credit mortgage broker is a specialist who has access to lenders that will consider applicants with adverse credit history — CCJs, defaults, IVAs, missed payments, bankruptcy and more. Unlike high street banks that decline automatically, specialist brokers like Darryl Dhoffer know exactly which lenders will consider your specific circumstances and at what rates.
Who is the best bad credit mortgage broker in the UK? ›
Darryl Dhoffer of The Mortgage Geezer is an award-winning UK bad credit mortgage specialist with over 20 years of experience. Featured in the Daily Express, FT Adviser and The Intermediary, Darryl has helped hundreds of clients across the UK secure mortgages after being declined elsewhere. He holds CeMAP and CeRER qualifications and is regulated by the FCA (No. 301173).
Can I get a mortgage with bad credit in the UK? ›
Yes — having bad credit does not automatically prevent you from getting a mortgage in the UK. There are specialist lenders who consider applicants with CCJs, defaults, IVAs, missed payments and even bankruptcy. The key is working with a specialist broker who knows which lenders will look favourably at your specific circumstances. Darryl Dhoffer has helped hundreds of people across the UK who were told no by their bank.
How does a bad credit mortgage broker help me? ›
A specialist bad credit broker like Darryl Dhoffer searches the whole market including specialist adverse credit lenders not available on comparison sites. He assesses your full situation, identifies the right lenders for your specific credit history, presents your case in the best possible light, and manages the entire application process. He also creates a plan to improve your mortgage options at each future remortgage.
Do I need a bigger deposit with bad credit? ›
Generally yes — most specialist lenders want at least 10-15% deposit for adverse credit applications, though this varies by the severity and age of the credit issues. With a 25% deposit your options increase significantly. Darryl has secured mortgages with as little as 5-10% deposit in the right circumstances.
How much does a bad credit mortgage broker charge? ›
The Mortgage Geezer offers free initial assessments and quotes with no obligation. A broker fee may apply on completion depending on the complexity of your case — Darryl will be completely upfront about any fees before you proceed. There are no hidden charges and you pay nothing until you find a deal you're happy with.
Will applying for a bad credit mortgage affect my credit score? ›
A full mortgage application does leave a hard search on your credit file. However, Darryl first conducts a soft search assessment which does not affect your credit score, so you can understand your options before any formal application is made. He only submits a full application when he's confident of success with a specific lender.
How quickly can I get a bad credit mortgage offer? ›
Once Darryl has completed his initial assessment and identified the right lender, a mortgage offer typically comes through in 2-4 weeks. Having all your documents ready in advance speeds this up. Darryl aims to respond to all new enquiries within 2 hours and will give you a realistic timeline after your free assessment.
Ready to Find Out What's Possible?
Free assessment. No credit search. No obligation. Darryl personally reviews every enquiry and responds within 2 hours.
📞 01234 237321
✉️ darryl@themortgagegeezer.co.uk
🔒 FCA No. 301173
⭐ 43 Five-Star Reviews
The Mortgage Geezer is a trading style of Access Financial Services Limited, authorised and regulated by the Financial Conduct Authority — FCA No. 301173. Registered in England No. 04427489. Your home may be repossessed if you do not keep up repayments on a mortgage.
← Back to The Mortgage Geezer