🏆 Award-Winning Bad Credit Specialist · FCA No. 301173
IVA Mortgage Broker UK
Darryl Dhoffer
CeMAP · CeRER · FCA 301173 · ⭐ 50 Reviews
"I specialise in exactly this. Free assessment — no credit search, no obligation. I respond within 2 hours."
Current or completed IVA — Darryl Dhoffer helps clients across the whole of the UK secure mortgages when high street 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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⭐⭐⭐⭐⭐ 50 Google Reviews
🏆 Award-Winning
🏦 65+ Lenders
✅ FCA Regulated
📞 01234 237321
📰 Daily Express · The Intermediary · Daily Mirror
IVA Mortgage Broker — Whole of UK
If you have had an IVA — current or completed — Darryl Dhoffer can help. As an independent whole-of-market broker, Darryl works with 65+ lenders, including specialist lenders who consider IVA applications that high street banks automatically decline.
Darryl works with clients nationwide, across the whole of the UK — entirely online and over the phone, so distance is never a barrier. He has helped clients in London, Birmingham, Manchester, Glasgow and everywhere in between. For the full breakdown of timelines, lender criteria and credit score impact, see the complete IVA mortgage guide.
The process starts with a free, no-obligation assessment — no credit search, nothing on your file. Darryl reviews your full situation and gives you an honest picture of what's possible. Most clients are surprised by how many options they actually have.
✅ Debt Situations We Help With
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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.
🏦 Specialist Lenders Darryl Works With
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Bluestone Mortgages
Considers applications from IVA completion with a 20%+ deposit — one of the more accessible options early on.
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Kensington
Typically requires 2+ years post-completion, with rates improving the further you are from discharge.
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Pepper Money
Assesses IVA applications on an individual basis rather than a fixed rulebook.
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Aldermore
Becomes available around 12–24 months post-completion for many applicants.
Criteria changes regularly and varies by individual circumstances — Darryl confirms current criteria at your free assessment.
❓ IVA Mortgage Broker FAQs
Do I need a broker or can I get an IVA mortgage direct from a bank? ›
Most high street banks decline IVA applicants automatically through their credit scoring — a human never reviews the case. A whole-of-market broker has direct access to specialist lenders who assess IVA applications individually, including several not available to the public without going through a broker.
Which lenders accept mortgage applications with an IVA? ›
Specialist lenders including Bluestone, Kensington, Pepper Money and Aldermore will consider applications from borrowers with a current or completed IVA, each with different criteria on timing and deposit. Darryl reviews your specific circumstances and matches you to the lenders most likely to accept your case.
How much does an IVA mortgage broker cost? ›
The initial assessment and quote are completely free with no obligation. A broker fee may apply on completion depending on the complexity of your case — this is always discussed and agreed upfront, and you pay nothing until you have a mortgage offer you're happy with.
I was declined by my bank because of my IVA — can a broker still help? ›
Yes — being declined by a mainstream bank because of an IVA is one of the most common reasons clients come to Darryl. Specialist lenders take a manual, individual approach rather than automated scoring, so a decline from your own bank does not mean a decline everywhere.
⭐ 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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No credit search. No obligation. Darryl personally reviews every enquiry and responds within 2 hours.
📞 01234 237321
✉️ contact@themortgagegeezer.co.uk
🔒 FCA No. 301173
⭐ 50 Five-Star Google Reviews
🏦 Why Use a Specialist IVA Mortgage Broker
What does a broker do that I can't do myself?
A broker knows which of the 65+ lenders in the market currently accept IVA applications, at what stage, and with what deposit — criteria that changes regularly and isn't published on comparison sites. Applying direct to the wrong lender wastes a credit search and can make the next application harder.
Will using a broker affect my IVA?
No — a free initial assessment involves no credit search and has no bearing on your IVA. If you're still in an active IVA, your Insolvency Practitioner's written consent is required before any mortgage application proceeds, and Darryl will guide you through that step.
How is this different from your full IVA mortgage guide?
This page is about finding and working with a specialist broker. For the detailed breakdown of timelines, exact lender criteria at each stage and how your credit score is affected, see our full IVA mortgage guide.
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.