Award-Winning Bad Credit Specialist · FCA No. 301173
Bad Credit Mortgage Lenders UK Who Will Actually Lend to You
Darryl Dhoffer
CeMAP · CeRER · FCA 301173 · ⭐ 48 Reviews
"I specialise in exactly this. Free assessment — no credit search, no obligation. I respond within 2 hours."
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.
Which Lenders Accept Bad Credit Mortgages in the UK?
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.
Darryl Dhoffer — The Mortgage Geezer
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.
CeMAPCeRERFCA 301173AWARD WINNINGINDEPENDENTWHOLE OF MARKET
Frequently Asked Questions
Which mortgage lenders accept CCJs in the UK? ›
Several specialist lenders consider CCJ applications including Kensington Pepper Money Together Money Aldermore and Precise Mortgages. The terms vary. Some accept CCJs registered in the last 12 months others require 24-36 months. The amount of the CCJ and whether it is satisfied also affects which lenders will consider you. Darryl Dhoffer knows the exact current criteria for each lender.
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.
Can I go directly to a specialist lender without a broker? ›
No. Specialist adverse credit lenders only accept applications through FCA-authorised mortgage brokers. They do not have direct retail operations. This is why a specialist broker like Darryl Dhoffer is essential. He is your only route to these lenders.
Are specialist mortgage lenders safe and regulated? ›
Yes. All UK mortgage lenders must be authorised and regulated by the Financial Conduct Authority. Specialist adverse credit lenders like Kensington Pepper Money Together and Aldermore are all FCA-regulated and must follow the same consumer protection rules as high street banks.
How do specialist lenders assess bad credit differently to banks? ›
High street banks use automated scoring so any adverse credit triggers an automatic decline. Specialist lenders make manual underwriting decisions looking at the full picture including the age and severity of the credit issue whether it is resolved your overall financial stability income and deposit.
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No credit search. No obligation. Darryl personally reviews every enquiry and responds within 2 hours.
01234 237321
contact@themortgagegeezer.co.uk
FCA No. 301173
48 Five-Star Reviews
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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. 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.