Award-Winning Bad Credit Specialist · FCA No. 301173
Bad Credit Mortgage Rates UK What to Expect in 2026
Bad credit does not mean you cannot get a competitive rate. Darryl searches 65+ lenders to find the best rate for your credit history.
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47 Google Reviews
Award-Winning
65+ Lenders
FCA No. 301173
01234 237321
📰 As Seen In Daily Express
How Much More Do Bad Credit Mortgages Cost?
Bad credit mortgage rates are typically 0.5% to 2% higher than standard rates depending on the severity and age of your credit issues. However the difference is often smaller than people expect and narrows as your credit history improves.
The key is working with a specialist broker who knows exactly which lenders offer the most competitive rates for your specific adverse credit. Darryl Dhoffer has access to 65+ lenders including specialist adverse credit lenders not available on comparison sites.
0.5-2%
Typical extra cost above standard rates for bad credit mortgages
65+
Lenders Darryl searches including specialist adverse credit lenders
6 yrs
How long adverse credit stays on your file before dropping off
2 hrs
Darryl response time to every new enquiry
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 interest rates can I get with bad credit? ›
Bad credit mortgage rates in 2026 typically run 0.5-2% above standard rates. A recent CCJ or unsatisfied default will attract the highest rates. An older satisfied CCJ or single missed payment from 2+ years ago may only add 0.3-0.5%. Darryl will identify exactly which rate you can achieve for your specific situation.
Do bad credit mortgage rates improve over time? ›
Yes significantly. As adverse credit ages and eventually drops off your credit file after 6 years your available rates improve. Darryl creates a plan for every client so that at each remortgage point your rate improves. Many clients move from specialist to high street lenders within 2-3 years.
How do I get the best rate with bad credit? ›
Work with an independent whole-of-market broker like Darryl Dhoffer who has access to all specialist adverse credit lenders. The best rate depends on the type of credit issue its age your deposit size and your income. Darryl will identify the most competitive rate available and advise on what steps will improve your rate at remortgage.
Are bad credit mortgage rates fixed or variable? ›
Both fixed and variable rate mortgages are available to bad credit borrowers. Fixed rates are generally recommended for bad credit borrowers as they provide payment certainty. Darryl will compare all available options and recommend the most suitable product for your circumstances.
Can I remortgage onto a better rate after my credit improves? ›
Absolutely. Once your credit issues age or drop off your file remortgaging to a better rate can save hundreds of pounds per month. Darryl plans this from day one identifying the right time to remortgage and which lenders will offer the best deal.
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.
Back to The Mortgage Geezer
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.