Award-Winning Bad Credit Specialist · FCA No. 301173
Bad Credit Mortgage Explained Your Complete 2026 Guide
Everything you need to know about bad credit mortgages in the UK explained in plain English by specialist broker Darryl Dhoffer with 20 years experience.
43 Google Reviews
Award-Winning
90+ Lenders
FCA No. 301173
01234 237321
What Is a Bad Credit Mortgage?
A bad credit mortgage also called an adverse credit mortgage or non-standard mortgage is a mortgage product designed for people whose credit history contains issues that prevent them from qualifying with mainstream high street lenders.
The key thing to understand is that bad credit does not mean no mortgage. The UK mortgage market has a large and active specialist sector specifically for people with CCJs defaults IVAs missed payments bankruptcy and other credit issues.
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 90+ 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 is a bad credit mortgage? ›
A bad credit mortgage is a mortgage product offered by specialist lenders to people whose credit history contains adverse events including missed payments defaults CCJs IVAs DMPs bankruptcy or repossession. These lenders assess applications individually rather than using automated scoring systems making mortgage approval possible for people declined by high street banks.
Who qualifies for a bad credit mortgage? ›
Anyone with adverse credit history may qualify for a bad credit mortgage depending on the type of credit issue its age the amount involved whether it is resolved your income and affordability and the deposit available. Even very recent and severe adverse credit can be considered by some specialist lenders. Darryl Dhoffer will give you an honest assessment of your options.
How do bad credit mortgages work? ›
Bad credit mortgages work exactly like standard mortgages. You borrow money to buy or remortgage a property make monthly repayments of capital and interest and the mortgage is secured against the property. The key differences are that they are offered by specialist lenders who take a more flexible underwriting approach and the interest rates are typically slightly higher.
How do I apply for a bad credit mortgage? ›
The right process: 1 Check your credit files from all three agencies. 2 Contact Darryl Dhoffer for a free assessment. He will review your credit history and give you an honest picture of your options before any formal application. 3 Darryl identifies the right lender for your specific situation. 4 A soft search is conducted to confirm eligibility without affecting your credit file. 5 Formal application is submitted to the right lender. 6 Mortgage offer received.
Is a bad credit mortgage right for me? ›
For most people with adverse credit who want to buy or remortgage a property a specialist bad credit mortgage is the only viable route. The alternative of waiting until credit is completely clean can mean waiting 6 years or more. Bad credit mortgages allow you to get onto the property ladder now and remortgage onto better rates as your credit improves.
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
43 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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