🏆 Award-Winning Bad Credit Specialist · FCA No. 301173
IVA Mortgage Broker Norwich
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."
CCJs, defaults, IVAs, missed payments — Darryl Dhoffer helps clients across Norwich secure mortgages 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
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Mortgages After an IVA — Norwich
Plenty of Norwich homeowners and buyers assume an IVA rules out a mortgage completely. In most cases it doesn't — it simply means you need a broker who knows the specialist lenders that still say yes.
Darryl Dhoffer has built relationships with 65+ lenders across the UK, several of whom specialise almost entirely in adverse credit cases like IVAs, CCJs and defaults.
He'll start with a free, no-obligation assessment of your situation — no credit search, no pressure — so you know exactly where you stand before deciding anything.
✅ Bad Credit We Help With in Norwich
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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 — Norwich
How soon after my IVA completes can I apply for a mortgage in Norwich? ›
Some specialist lenders will consider an application as soon as your Completion Certificate is issued, provided you have a suitable deposit. Others prefer to see six to twelve months of clean credit history afterwards. Darryl will match you to lenders based on exactly where you are in that timeline.
What deposit will I need for a mortgage with an IVA? ›
As a general guide, a completed IVA from the last few years typically needs a 20-25% deposit, reducing as more time passes since completion. An active IVA usually requires 25-35%, reflecting the higher risk lenders are taking on. Your individual case may vary — Darryl will confirm figures for your situation during the free assessment.
What documents will I need for an IVA mortgage application? ›
Typically your IVA Completion Certificate (if completed), a confirmation letter from your Insolvency Practitioner, recent credit reports showing the IVA as satisfied, proof of income, and bank statements. Darryl will send you a clear checklist once he's reviewed your circumstances.
How long does an IVA stay on my credit file? ›
An IVA remains on your credit file for six years from the date it was registered, regardless of whether you completed it early. This is set by the credit reference agencies, not by your IVA provider.
Do I still need to disclose an old IVA once it's dropped off my credit file? ›
If a mortgage application asks whether you've ever had an IVA, yes — you need to answer honestly, even once it's no longer showing on your credit report. Lenders can and do check further back than six years for certain applications, and non-disclosure is treated as fraud.
⭐ 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 — Norwich
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
❓ Common Questions
I've had more than one IVA — does that rule me out?
It makes things more complex but rarely rules you out entirely. Lenders will want to understand what happened with each arrangement and how your finances have been managed since. Darryl will talk through the full history with you before approaching any lender, so there are no surprises later in the process.
Can I get a joint mortgage if only one of us has an IVA?
Yes, this is common. Most specialist lenders will assess the application based on both applicants' circumstances, and having one applicant with a clean credit history can genuinely strengthen the case. The partner with the IVA will still need to meet the usual requirements around completion status or IP permission.
Can I remortgage in Norwich while my IVA is still active?
It's possible in some circumstances, though options narrow considerably while an IVA is ongoing and your Insolvency Practitioner's agreement will be needed. It's far more straightforward once the IVA has completed — most clients find remortgaging opens up shortly after their Completion Certificate arrives.
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.