🏆 Award-Winning Bad Credit Specialist · FCA No. 301173
CCJ Mortgage Broker Telford
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 Telford 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 Telford
Every CCJ case is different, and that's exactly why a whole-of-market broker matters. Darryl Dhoffer doesn't rely on one lender's rulebook — he has access to over 65 lenders, including specialist names who look at CCJ applications individually rather than rejecting them automatically.
That specialist knowledge is available to clients across Telford and nationwide, all delivered remotely by phone and online, so wherever you're based the process is the same.
Start with Darryl's free assessment. No credit search takes place, there's no obligation, and you'll come away with an honest picture of what's possible for your circumstances.
✅ Bad Credit We Help With in Telford
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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 — Telford
How do I actually get a mortgage with a CCJ in Telford? ›
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.
How long does a CCJ stay on my credit file and affect a mortgage application? ›
A CCJ normally stays on your credit file for six years from the date it was registered, though its impact on mortgage applications tends to fade well before that, especially once it's satisfied. Many lenders are most cautious about CCJs from the last one to two years and become noticeably more flexible after that. Once it drops off your file entirely after six years, it typically has no bearing on a new application.
Does it matter whether my CCJ is satisfied or unsatisfied? ›
Yes, it's one of the first things a specialist lender will look at. A satisfied CCJ — one that's been paid off — is viewed more favourably and tends to open up a wider choice of lenders and rates. An unsatisfied CCJ isn't an automatic block, but it usually narrows the panel and may mean a larger deposit. If you're able to settle it before applying, that's often worth doing.
Can I still get a mortgage if I have more than one CCJ? ›
Often, yes. Lenders look at the total picture — how many CCJs, their combined value, how old they are, and whether they're satisfied — rather than simply refusing anyone with more than one. Some specialist lenders are comfortable with several smaller, older CCJs, while others focus on the total amount owed. Darryl will know which lenders on his panel are the right fit for your specific mix.
⭐ 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 — Telford
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.