Find out how much you could borrow with CCJs, defaults, IVA or bankruptcy. Based on specialist lender criteria — not high street banks.
Being declined feels personal. It isn't — banks use computers. Darryl uses judgement.
Specialist lender affordability — assumes no monthly unsecured commitments such as loans or credit cards.
Estimate your monthly payments based on your mortgage amount and rate.
These calculators give an estimate. Darryl will give you the exact figure based on your full situation — free, no credit search, responds within 2 hours.
🚀 Get My Free Assessment 💬 WhatsApp DarrylWhat specialist lenders might consider based on common situations
£35,000 income · Late payment on record · No dependants
£35k + £25k income · Satisfied CCJ · 1 dependant
£40,000 income · IVA completed · No dependants
£30k + £20k income · Multiple defaults · 2 dependants
£50,000 income · Discharged 2+ years · No dependants
£40k + £30k income · Minor issues · No dependants
High street banks use automated credit scoring systems that reject applicants with any adverse credit history. Specialist lenders — like Kensington, Pepper Money, Together and Aldermore — assess each case individually, considering the nature and age of the credit issue, your current stability, and the overall picture of your finances. This is why Darryl can often find solutions where banks have said no.
Monthly commitments such as car finance, personal loans, credit card minimums and maintenance payments all reduce what lenders will lend. The calculator above assumes no unsecured monthly commitments. If you have existing commitments, Darryl will factor these in during your free assessment and give you an accurate adjusted figure.
Free assessment. No credit search at this stage. Responds within 2 hours.
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