CCJ Mortgage Broker Worthing

Bad Credit Mortgage Specialist Serving Worthing

Here's the short version: yes, you can usually get a mortgage with a CCJ, and Darryl Dhoffer is the person to help you find the right lender for it. He's an independent, whole-of-market broker who works with 65+ lenders, including specialist adverse credit lenders the high street doesn't offer.

Location isn't a factor — Darryl works with people across Worthing and the whole of the UK using phone, video and email, so you get the same level of service wherever you're based.

There's no cost and no obligation to find out where you stand. A free assessment, no credit search, and a straight answer about what's realistic for your situation.

✅ Bad Credit We Help With in Worthing

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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.

Free Assessment — Worthing & Surrounding Area

No credit search. No obligation. Darryl personally responds within 2 hours.

✅ Thank you! Darryl will be in touch within 2 hours.

❓ Bad Credit Mortgage FAQs — Worthing

What does it cost to get advice from Darryl? ›

Nothing upfront. The initial assessment, the review of your situation and the first recommendations are all free, with no obligation to proceed. If you do go ahead and complete on a mortgage, a broker fee may apply depending on how complex the case is — Darryl will always tell you exactly what that is before any work begins, so there are no surprises.

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.

Can I get a buy-to-let mortgage with a CCJ on my file? ›

Yes, there are specialist buy-to-let lenders who will consider applicants with CCJs, though the criteria tend to be a bit stricter than on residential deals and rental income coverage matters more. As with a residential mortgage, the age, amount and status of the CCJ all play a part in which lenders are realistic options. Darryl can talk you through what's achievable for your specific investment plans.

⭐ 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

❓ Common CCJ Mortgage Questions

→ Can you get a mortgage with a CCJ?→ How long does a CCJ affect a mortgage? → Does a CCJ stop you getting a mortgage? → Which high street lenders accept CCJs? → Mortgage with a satisfied CCJ → Case study: 3 CCJs, mortgage approved

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Get Your Free Bad Credit Assessment — Worthing

No credit search. No obligation. Darryl personally reviews every enquiry and responds within 2 hours.

🚀 Get My Free Quote 💬 WhatsApp Darryl

📞 01234 237321 ✉️ contact@themortgagegeezer.co.uk 🔒 FCA No. 301173 ⭐ 51 Five-Star Google Reviews

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CCJ Mortgage Broker Worthing

Bad Credit Mortgage Specialist Serving Worthing

✅ Bad Credit We Help With in Worthing

Free Assessment — Worthing & Surrounding Area

❓ Bad Credit Mortgage FAQs — Worthing

⭐ What Clients Say

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