🏆 Award-Winning Bad Credit Specialist · FCA No. 301173
CCJ Mortgage Broker Huddersfield
Darryl Dhoffer
CeMAP · CeRER · FCA 301173 · ⭐ 51 Reviews
"I specialise in exactly this. Free assessment — no credit search, no obligation. I respond within 2 hours."
Got a County Court Judgment? Darryl Dhoffer helps clients across Huddersfield secure a mortgage despite CCJs when banks say no. Free quote. No obligation. Responds within 2 hours.
Being declined feels personal. It isn't — banks use computers. Darryl uses judgement.
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⭐⭐⭐⭐⭐ 51 Google Reviews
🏆 Award-Winning
🏦 65+ Lenders
✅ FCA Regulated
📞 01234 237321
📰 Daily Express · The Intermediary · Daily Mirror
Bad Credit Mortgage Specialist Serving Huddersfield
A CCJ doesn't automatically close the door on a mortgage — it just means you need a broker who knows which lenders still open it. That's where Darryl Dhoffer comes in. As an independent broker, he has direct access to 65+ lenders, including a number of specialist names that focus specifically on adverse credit.
He works with clients across Huddersfield and the rest of the UK entirely remotely, so there's no need to travel to meet him — a phone call or video call covers everything.
Darryl's process starts with a free assessment. He'll look at your full situation — the CCJ itself, your income, your deposit — and tell you plainly what's achievable, with no obligation to go any further.
✅ Bad Credit We Help With in Huddersfield
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CCJs
Satisfied or unsatisfied, recent or historic. We know which lenders look past them.
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Defaults
Single or multiple defaults. Age and amount matter — we know which lenders to approach.
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IVA / DMP
Currently in or recently completed an IVA or Debt Management Plan.
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Missed Payments
Late or missed payments on any credit commitment.
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Repossession
Previous property repossession is not necessarily a barrier.
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Bankruptcy
Discharged bankruptcy. Options often exist sooner than people expect.
❓ Bad Credit Mortgage FAQs — Huddersfield
How do I actually get a mortgage with a CCJ in Huddersfield? ›
It starts with a short, free conversation with Darryl. He'll ask about the CCJ itself — when it was registered, how much it was for, and whether it's been satisfied — along with your income, deposit and what you're looking to buy or remortgage. From there he matches you to lenders on his panel of 65+ who are comfortable with that kind of case, and puts your application together in the way that gives it the best chance.
Can I remortgage a property I already own if I've got a CCJ? ›
Yes, remortgaging with a CCJ is something Darryl arranges regularly. Lenders will look at your payment history on the current mortgage alongside the CCJ itself, so if you've been keeping up your repayments that counts in your favour. Whether you're looking to move to a better rate, release some equity, or simply avoid dropping onto a standard variable rate, it's worth getting your options reviewed rather than assuming a CCJ rules it out.
My partner has a CCJ but I don't — can we still apply for a mortgage together? ›
Yes, this is a very common situation and most lenders will assess both applicants' full financial history, including credit issues, as part of the joint application. Having one applicant with a clean file doesn't automatically override the other's CCJ, but it can help, particularly where income and deposit are strong. Darryl will look at both of your circumstances together and find lenders that work for the application as a whole.
I'm self-employed and have a CCJ — does that make things harder? ›
It adds an extra layer lenders will want to understand, but it isn't a dealbreaker. You'll typically need your last one to two years of accounts or tax returns alongside the usual details about the CCJ, and some specialist lenders are particularly geared up for self-employed applicants with credit issues. Darryl works with self-employed clients regularly and knows which lenders are comfortable assessing both factors together.
⭐ What Clients Say
★★★★★
"Excellent service from start to finish. Darryl was extremely responsive throughout, always replying quickly to questions and keeping me updated at every stage. His communication was clear and easy to understand, even with the more technical parts of the mortgage process. Darryl worked hard to find the right options for my situation and made the whole process feel straightforward and stress-free. Would definitely recommend him to anyone looking for a mortgage broker."
Fizz Solmon — Google Review
★★★★★
"Just when I had lost all hope, I found Darryl and within weeks my mortgage was approved. Given my bad credit history, I honestly didn't think any of this would be possible."
Tim Ellis — Bad Credit Mortgage
★★★★★
"After approaching Darryl with what I thought was a tricky case, he immediately put my nerves at ease. Within a few weeks he had secured us a deal."
Hayley Beale — Complex Case
★★★★★
"Darryl was absolutely amazing from the first phone-call to the very quick mortgage offer! This actually feels like nothing short of a miracle!"
Kate Dalton — First-Time Buyer
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Get Your Free Bad Credit Assessment — Huddersfield
No credit search. No obligation. Darryl personally reviews every enquiry and responds within 2 hours.
📞 01234 237321
✉️ contact@themortgagegeezer.co.uk
🔒 FCA No. 301173
⭐ 51 Five-Star Google Reviews
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.