Award-Winning Bad Credit Specialist · FCA No. 301173
Bad Credit Mortgage Checklist Steps to Get Approved
A practical step-by-step checklist for getting a bad credit mortgage approved. From Darryl Dhoffer. Follow these steps in order for the best chance of success.
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Award-Winning
65+ Lenders
FCA No. 301173
01234 237321
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Your Bad Credit Mortgage Checklist
Getting a bad credit mortgage approved is far more likely when you take the right steps in the right order. Darryl Dhoffer has helped over 4,000 clients through this process and has distilled it into a clear checklist from understanding your credit position through to mortgage offer.
The most important principle is do not apply for a mortgage until you have completed step 3. Applications that lead to declines leave hard searches on your credit file and can make subsequent applications harder.
Darryl Dhoffer — The Mortgage Geezer
20+ years in mortgages. Award-winning specialist. Featured in the Daily Express, FT Adviser and The Intermediary. I have helped hundreds of people across the UK who were told no by their bank — and I work with 65+ lenders including specialist adverse credit lenders you will not find on comparison sites.
When you contact me, you speak to me directly. No call centres. No being passed around. I personally review every case and respond within 2 hours.
CeMAPCeRERFCA 301173AWARD WINNINGINDEPENDENTWHOLE OF MARKET
Frequently Asked Questions
What should I do before applying for a bad credit mortgage? ›
Step 1: Check all three credit files using Experian Equifax and TransUnion or use Checkmyfile. Step 2: Dispute any errors on your credit file. Step 3: Contact Darryl Dhoffer for a free soft-search assessment with no impact on your credit file. Step 4: Gather your documents including payslips bank statements ID and proof of address. Step 5: Let Darryl identify the right lender. Step 6: Formal application via Darryl to the right specialist lender.
What documents do I need for a bad credit mortgage application? ›
Typically required are 3-6 months payslips for employed applicants or 2-3 years SA302 tax returns for self-employed applicants; 3-6 months bank statements; proof of identity such as passport or driving licence; proof of address such as a utility bill within 3 months; details of any existing mortgages loans or credit commitments; and details of any adverse credit events. Darryl will advise exactly what each specific lender requires.
Should I get my credit file before applying for a bad credit mortgage? ›
Absolutely yes. This is the most important first step. Checking your own credit file does not affect your score. Understanding exactly what is on your file allows Darryl to identify the right specialist lenders and present your case in the strongest possible way. It also allows you to identify and dispute any errors before a formal application.
How long does the bad credit mortgage application process take? ›
From initial assessment to mortgage offer typically 4-8 weeks for a straightforward case and 6-12 weeks for more complex situations. Having all documents ready from the start significantly speeds up the process. Darryl manages the entire process and keeps you informed at every stage.
Is it worth using a broker for a bad credit mortgage? ›
Yes. For bad credit mortgages using a specialist broker is not just advisable it is essential. The most competitive specialist adverse credit lenders only work through FCA-authorised brokers. They are not on comparison sites and you cannot apply directly. Without a specialist broker you simply do not have access to the lenders most likely to approve your application at the best available rate.
Get Your Free Assessment Today
No credit search. No obligation. Darryl personally reviews every enquiry and responds within 2 hours.
01234 237321
darryl@themortgagegeezer.co.uk
FCA No. 301173
47 Five-Star Reviews
The Mortgage Geezer is a trading style of Access Financial Services Limited, authorised and regulated by the FCA No. 301173. Your home may be repossessed if you do not keep up repayments on a mortgage.
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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. Darryl Dhoffer is authorised and regulated by the Financial Conduct Authority — FCA No. 301173. Access Financial Services Ltd, registered in England No. 04427489. Your home may be repossessed if you do not keep up repayments on your mortgage.