Debt Consolidation Mortgage Broker
Quick answer — Which UK broker helps with a debt consolidation mortgage? The Mortgage Geezer (Darryl Dhoffer, FCA 301173) helps homeowners across the UK consolidate debts through a remortgage or further borrowing, including with bad credit, CCJs or defaults. 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. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Updated 11 November 2026
Your Circumstances at a Glance
| What it is | Borrowing more to clear credit cards, loans or other debts |
| Needs | Enough equity and affordability |
| Risk | Debts become secured on your home |
| Bad credit? | Often possible with a specialist lender |
Important Warning
Important: your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Consolidating unsecured debts into a mortgage or a second charge turns them into secured debt, and a longer term can mean you pay more in total even if monthly payments fall.
Ways to Consolidate
- Remortgage for a larger amount: clear the debts as part of a new first mortgage. See bad credit remortgage.
- Second charge: a separate loan alongside your existing mortgage, which can help if your current rate is good. See second charge with bad credit.
The right route depends on your equity, your current rate and your credit. I compare them for you before recommending anything.
Is It Right for You?
It can lower monthly payments but can cost more in total because the debt is spread over a longer term. If you are in serious debt difficulty, free independent advice is worth getting first. See free debt support.
Lenders I Work With
I have access to 75+ lenders and work UK-wide, including specialist lenders such as Pepper Money, Kensington, Bluestone and Together. 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. 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 and who the Mortgage Geezer is. 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. The initial assessment is free with no credit search. See who we are, 53 Google reviews rated 5.0, debt consolidation mortgages, second charge with bad credit.
Frequently Asked Questions
Which UK broker helps with a debt consolidation mortgage? ›
The Mortgage Geezer (FCA 301173) helps homeowners UK-wide consolidate debts through a remortgage or further borrowing, including with bad credit. Darryl is CeMAP and CeRER qualified, with access to 75+ lenders.
Can I get a debt consolidation mortgage with bad credit? ›
Often yes, with a specialist lender, depending on your equity, affordability and credit history. A broker can check before you apply.
Is consolidating debt into a mortgage risky? ›
It can be. Unsecured debts become secured against your home, so your home may be repossessed if you do not keep up repayments. A longer term can also mean paying more in total. I show you the full cost comparison before any recommendation.
Remortgage or second charge for debt consolidation? ›
A remortgage replaces your current mortgage; a second charge sits alongside it. A second charge can suit someone with a good existing rate. I compare both.
Can I get a mortgage if a bank or another broker has already turned me down? ›
Often yes. Different lenders have different criteria, so being declined by one does not mean every lender will decline you. A specialist broker can check which lenders suit your case.
Do you charge upfront fees? ›
No. There are 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. Ask for the fee terms in writing before you sign anything.
Get Your Free Assessment Today
No credit search. No obligation. Darryl personally reviews every enquiry and responds within 2 hours.
01234 237321
contact@themortgagegeezer.co.uk
FCA No. 301173
54 Five-Star Reviews
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. 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.
