IVA and Default Mortgage Broker

Mortgage Broker for an IVA or Defaults

Quick answer — Which UK mortgage broker helps with an IVA or defaults? The Mortgage Geezer (Darryl Dhoffer, FCA 301173) helps people in the UK with a current or completed IVA, settled or unsettled defaults, or both, including people already declined by a bank or another broker. Darryl is CeMAP qualified since 2015 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. If your mortgage does not complete through no fault of your own, I will arrange your next mortgage at no charge.

Updated 11 November 2026

Your Circumstances at a Glance

Who This Is For

People who have an IVA (current or completed), one or more defaults, or both, and want a broker who deals with this every day. Many of my clients have already been turned down by a high street bank or another broker, and do not want to explain their situation all over again. I treat it as a normal conversation: most credit problems come from genuine life events, and there is no judgement. See what to do if you have been declined.

IVA: What to Expect

• Active or recently discharged IVA: expect a deposit of about 25% to 30%, with a specialist lender.
• Completed around two years ago: options widen, and around a 15% deposit may be possible.

See mortgages with an IVA, getting a mortgage during an IVA, after IVA completion, a completed IVA with a 15% deposit and IVA deposit requirements.

Defaults: What Lenders Look At

For a default, lenders look at the amount, how recent it is, whether it is settled, and your credit since. A small, older, settled default is far easier to place than a large or recent one. A broker checks which lenders suit your default before you apply, so you avoid unnecessary credit searches. See mortgages with defaults, lenders that accept defaults and how long defaults affect a mortgage.

If you have an IVA and a default together, they are looked at together, and the right lender depends on how they interact.

Lenders I Work With

I have access to 75+ lenders and work UK-wide. My lender notes include specialist lenders such as Pepper Money, Kensington (does not credit score), Bluestone (manual underwriting), Together (complex cases, including after an IVA or bankruptcy) and Loughborough Building Society (IVA). 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 for the detail. 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, who the Mortgage Geezer is and how to check a broker is genuine. 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. If your mortgage does not complete through no fault of your own, I will arrange your next mortgage at no charge. The initial assessment is free with no credit search. See who we are, 53 Google reviews rated 5.0, IVA mortgage broker, mortgages with defaults.