There are 65+ UK mortgage lenders and many specialise in adverse credit. The challenge is most are only available through specialist brokers. Darryl Dhoffer has direct access to all of them.
Quick answer — Which lenders accept defaults for mortgages? Specialist lenders including Kensington Bluestone Pepper Money Precise and Together all accept defaults with varying criteria. The number of defaults the total amount their age and whether they are satisfied all affect which lenders will consider you and at what rate. Darryl matches your specific default profile to the right lender.
The UK has a large number of specialist adverse credit mortgage lenders but most are only available through brokers not directly to the public. You will not find them on comparison sites. This is why working with an independent whole-of-market broker like Darryl Dhoffer is so important.
Specialist lenders include Kensington Mortgages Pepper Money Together Money Aldermore Bluestone Mortgages Precise Mortgages and many others. Each has different criteria. Some specialise in CCJs others in defaults IVAs or self-employed adverse credit. Darryl knows exactly which lender is right for your specific profile.
20+ years in mortgages. Award-winning specialist. Featured in the Daily Express, FT Adviser, The Intermediary and Daily Mirror. 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.
No credit search · No obligation · 2hr response
Answer 9 quick questions and get an instant, personalised readiness score out of 100 — built from the same lender criteria Darryl uses on real cases. No credit check. No upload. No obligation.
🎯 Get My Free Geezer Score →No credit search. No obligation. Darryl personally reviews every enquiry and responds within 2 hours.
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. The Mortgage Geezer is a trading style of Access Financial Services Ltd who are authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 301173. Registered in England No. 04427489. Registered office address Access Financial Services Ltd, Unit 1 Furtho Court, Towcester Road, Old Stratford, Milton Keynes, MK19 6AN. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT.