Bad Credit Mortgage Eligibility Checker

The Geezer Score

The short answer

What is a bad credit mortgage eligibility checker? A bad credit mortgage eligibility checker is a free tool that gives you an indicative readiness score based on your actual situation — the type and age of any CCJs, defaults, IVAs or missed payments, your deposit, and your income. Unlike a generic mortgage calculator built for clean credit, the Geezer Score is built specifically around real specialist lender criteria, so it reflects what adverse-credit lenders actually look for rather than a one-size-fits-all number.

Find out if you're mortgage ready — in 60 seconds, no report upload needed

Built by Darryl Dhoffer after 20+ years placing bad credit mortgages, because too many people never even ask how to get mortgage ready — they just assume a CCJ, default or IVA means the door's shut. If you're wondering "am I ready for a mortgage?", this tool gives you a real, personalised answer before you speak to anyone, based on the same thinking Darryl uses with every client. Read the full story →

What are you looking to do?

🏠 Buy a home

🔄 Remortgage

Which credit issues apply to you? (tap all that apply)

✅ None — clean credit

⏰ Missed payments

⚠️ Defaults

⚖️ CCJ(s)

📋 Debt Management Plan

📄 IVA

📉 Bankruptcy

Roughly what deposit or equity do you have? (% of property value)

Under 10%

10–15%

15–25%

25–30%

Over 30%

Employment status?

Employed

Self-employed

Other / retired / contractor

How stable is your income?

Same job/income for 2+ years

Stable, but under 2 years

Recently changed or variable

Since this happened, how has everything else on your file been?

Perfect — nothing missed since

Mostly clean, one or two minor slips

Ongoing issues since

Have you been declined for a mortgage before?

No, haven't applied yet

Yes, once

Yes, more than once

0

/ 100

Please note: Your Geezer Score is an indicative guide only, based solely on the information you've provided here. It does not constitute a mortgage offer, mortgage approval, a credit decision, or regulated financial advice, and is not a guarantee that any lender will lend to you. Actual lending decisions depend on a full assessment of your circumstances — including a full credit check, income verification and affordability assessment — carried out by the individual lender, not by this tool. Your real outcome may differ from your score. Speak to Darryl for advice specific to your situation.

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