Award-Winning Bad Credit Specialist · FCA No. 301173
Bad Credit Mortgage FAQs Every Question Answered
The most comprehensive bad credit mortgage FAQ guide anywhere in the UK. Every question Darryl Dhoffer gets asked — answered honestly and in plain English.
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Award-Winning
90+ Lenders
FCA No. 301173
01234 237321
The Complete Bad Credit Mortgage FAQ 2026
Over 20 years of helping people with bad credit get mortgages Darryl Dhoffer has answered thousands of questions. This page brings together the most important ones — covering every aspect of bad credit mortgages from understanding your credit file to getting your application approved.
If your question is not here contact Darryl directly — free assessment no credit search no obligation.
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.
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Frequently Asked Questions
What exactly is a bad credit mortgage? ›
A bad credit mortgage also called an adverse credit mortgage impaired credit mortgage or subprime mortgage is a mortgage product designed for people whose credit history contains issues that prevent them from qualifying with mainstream high street lenders. Specialist lenders assess these applications individually looking at the full picture rather than using automated scoring systems that high street banks rely on.
Which types of bad credit can be considered for a mortgage? ›
Specialist lenders consider all types of adverse credit including missed or late payments defaults County Court Judgments CCJs Individual Voluntary Arrangements IVAs Debt Management Plans DMPs bankruptcy repossession payday loan use and thin or no credit history. The severity and age of the credit issue determines which lenders will consider you and at what rate.
How is a bad credit mortgage different from a standard mortgage? ›
The product works exactly the same way — you borrow money secured against a property and make monthly repayments. The differences are that bad credit mortgages are offered by specialist lenders who take a more flexible underwriting approach the rates are typically 0.5-2% higher to reflect the additional risk and the deposit requirement is often higher at 10-25% rather than the 5-10% available to clean credit borrowers.
Will I definitely be declined by high street banks if I have bad credit? ›
Most high street banks use automated scoring that declines any application with adverse credit regardless of the full picture. However some high street lenders do have policies for minor historic adverse credit. Darryl Dhoffer will advise whether a mainstream lender is viable for your specific situation before considering specialist lenders. This avoids unnecessary credit file searches.
How do I know which lender is right for my bad credit situation? ›
This is exactly what Darryl Dhoffer specialises in. Different specialist lenders have different criteria for different types of adverse credit. The right lender for someone with a single satisfied CCJ from 3 years ago is completely different from the right lender for someone with an active IVA. Darryl matches your specific credit profile to the most suitable lender from his panel of 90+ lenders.
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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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