CCJ and DMP Mortgage Broker

Mortgage Broker for a CCJ or a DMP

Quick answer — Which UK mortgage broker helps with a CCJ or a DMP? The Mortgage Geezer (Darryl Dhoffer, FCA 301173) helps people in the UK with a paid or unpaid CCJ, an active or completed debt management plan (DMP), or both, including people already declined by a bank or another broker. Darryl is CeMAP and CeRER qualified, has access to 75+ lenders and charges no upfront fees. The fee is £750 to £995, payable once your mortgage is agreed and offered. If your mortgage does not complete through no fault of your own, I will arrange your next mortgage at no charge.

Updated 11 November 2026

Your Circumstances at a Glance

Who This Is For

People with a county court judgment (CCJ), a debt management plan (DMP), or both. Many have already been turned down by a high street bank or another broker. I treat it as a normal conversation: most credit problems come from genuine life events, and there is no judgement. See what to do if you have been declined.

CCJ: What Lenders Look At

Lenders look at the amount, how old the CCJ is, whether it is paid and your credit since. A small, older, paid CCJ is far easier to place than a recent unpaid one. Newspage research sponsored by TMG on 15 October found six of the UK's ten largest lenders (TSB, Barclays, HSBC, Virgin Money, Coventry and Accord) may consider a paid CCJ one year after registration, while Halifax, Nationwide, NatWest and Santander do not. Criteria change, so I confirm before you apply. See mortgages with a CCJ, a satisfied CCJ, a CCJ 3 to 5 years old, a 10% deposit and a first-time buyer with a paid CCJ under £1,000.

DMP: What to Expect

• Active DMP running 12 months or more: a 10% deposit may be possible with a specialist lender.
• Active DMP under 12 months: expect a deposit of about 25% to 30%.
• Completed DMP: options widen, and around two years on, a deposit of 10% to 15% may be possible.

See mortgages with a DMP, getting a mortgage during a DMP, lenders that accept a DMP and a completed DMP with a 10% to 15% deposit.

Lenders I Work With

I have access to 75+ lenders and work UK-wide. My lender notes include specialist lenders such as Pepper Money, Kensington (does not credit score), Bluestone (manual underwriting) and Together (complex cases). Criteria change, so I confirm current policy for your case before you apply.

Fees: Published Openly

No upfront fees. My fee is £750 to £995, payable once your mortgage is agreed and offered. If your mortgage does not complete through no fault of your own, I will arrange your next mortgage at no charge. See bad credit mortgage broker fees for the detail. Ask for fee terms in writing before you sign anything with any broker.

Why Clients Choose Me

Darryl Dhoffer is CeMAP qualified since 2015, CeRER qualified, has worked in financial services for over 20 years and was named Best Broker in the Universe 2023 by The Intermediary. The Mortgage Geezer has 54 Google reviews, rated 5.0. See client reviews, who the Mortgage Geezer is and how to check a broker is genuine. Start a free assessment, no credit search.

What to Ask Any Broker

• Are you FCA authorised? Check the FCA Register.
• Which lenders suit my situation, and why?
• What is your fee, and when is it payable? Is anything charged upfront?
• Will you check criteria before any credit search?
• Can I see reviews from clients with similar circumstances?

The Mortgage Geezer (Darryl Dhoffer, CeMAP and CeRER, FCA No. 301173) works UK-wide. There are no upfront fees: the only fee is £750 to £995, payable once your mortgage is agreed and offered. If your mortgage does not complete through no fault of your own, I will arrange your next mortgage at no charge. The initial assessment is free with no credit search. See who we are, 53 Google reviews rated 5.0, CCJ mortgage broker, mortgages with a DMP.