🏆 Award-Winning Bad Credit Specialist · FCA No. 301173
IVA Mortgage Broker Worcester
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 Worcester 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
📞 01234 237321
📰 Daily Express · The Intermediary · Daily Mirror
IVA? Still Get a Mortgage in Worcester
Being turned down by your bank because of an IVA is frustrating, but it isn't the end of the story. Darryl Dhoffer specialises in exactly this kind of case for clients across Worcester.
High street banks tend to decline automatically the moment an IVA shows up on a credit file. Specialist lenders take a more considered view — looking at when your IVA was registered or completed, your current income, and your deposit.
A free assessment with Darryl is the fastest way to find out what's realistic for you. No credit search is carried out, and there's no obligation to proceed.
✅ Bad Credit We Help With in Worcester
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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 — Worcester
Can I remortgage in Worcester 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.
Do I need my Insolvency Practitioner's permission to apply for a mortgage? ›
If your IVA is still active, yes — your IP needs to agree to any new borrowing, including a mortgage, before you proceed. Darryl can work alongside you and your IP to keep that process straightforward, and once your IVA has completed this requirement falls away entirely.
Do lenders treat an IVA differently to a Debt Management Plan (DMP)? ›
Yes. An IVA is a formal, legally binding insolvency arrangement, while a DMP is informal. Some lenders that accept a DMP won't accept an IVA, and vice versa — the specialist panel Darryl works with includes lenders comfortable with both, but the criteria and required deposit can differ.
I'm self-employed with a past IVA — can I still get a mortgage? ›
Yes, though lenders will look closely at your income evidence — typically two to three years of accounts or tax returns — alongside your IVA history. Darryl works regularly with self-employed clients in this position and knows which lenders take a sensible view of both factors together.
Can I get a buy-to-let mortgage with an IVA on my file? ›
It's possible with the right specialist lender, though the buy-to-let panel for IVA applicants is smaller than for residential mortgages. Rental income cover, deposit size and the status of your IVA (active or completed) will all factor into which lenders are realistic options.
⭐ 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 — Worcester
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
Which specialist lenders consider IVA mortgage applications?
Lenders including Kensington, Pepper Money, Bluestone and Together all consider IVA cases, though their criteria vary significantly and most only accept applications through regulated brokers rather than directly from the public. Darryl knows which of his 65+ lenders are the best fit for each stage of an IVA.
Will an IVA mean I'm offered a higher interest rate in Worcester?
Specialist lenders who accept IVA applicants generally price for the additional risk, so rates tend to be somewhat higher than a mainstream mortgage — though the gap narrows the longer your IVA has been completed and the cleaner your credit since. Darryl will show you real, comparable rates during your free assessment rather than generic averages.
What's the difference between an active and a completed IVA for mortgage purposes?
An active IVA means you're still making payments to your creditors — lenders who'll consider you are limited and usually require your Insolvency Practitioner's permission. A completed IVA, where you've received your Completion Certificate, opens up a much wider panel of specialist lenders, and the deposit required is typically lower too.
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.