Award-Winning Bad Credit Specialist · FCA No. 301173
Find Your Nearest Bad Credit Mortgage Broker 116 UK Locations Covered
✅ Difficulty varies by situation — Not all bad credit is equal. Missed payments and CCJs are placed daily. IVAs and bankruptcy need more specialist help.
📊 Bad Credit Difficulty Scale — Easiest to Hardest
Missed payments & arrearsMost commonly placed — wide lender panel
CCJsStraightforward with specialist lenders — placed daily
DefaultsVery manageable — age and satisfaction status are key
DMPManageable — completion significantly improves options
IVANeeds careful lender matching — discharged IVA has good options
BankruptcyMost complex — solutions exist with time and specialist help
Every situation is individual. Darryl will tell you exactly where your case sits and what is achievable.
Darryl Dhoffer
CeMAP · CeRER · FCA 301173 · ⭐ 47 Reviews
"I specialise in exactly this. Free assessment — no credit search, no obligation. I respond within 2 hours."
Darryl Dhoffer covers the whole of the UK, online and by phone — but if you'd rather find your specific town or city, here's the full list of local pages.
Find Your Town Below
Darryl Dhoffer works with clients across the whole of the UK — fully online and over the phone, so distance is never a barrier. These are the towns and cities with a dedicated page, but if yours isn't listed, get in touch anyway; every UK location is covered.
A
B
C
D
E
F
G
H
I
K
L
M
N
O
P
R
S
T
W
Y
Darryl Dhoffer — The Mortgage Geezer
20+ years in mortgages. Award-winning specialist. Featured in the Daily Express, FT Adviser, The Intermediary and Daily Mirror. I have helped hundreds of people across the UK who were told no by their bank — and I work with 65+ lenders including specialist adverse credit lenders you will not find on comparison sites.
When you contact me, you speak to me directly. No call centres. No being passed around. I personally review every case and respond within 2 hours.
CeMAPCeRERFCA 301173AWARD WINNINGINDEPENDENTWHOLE OF MARKET
Frequently Asked Questions
What is a bad credit mortgage? ›
A bad credit mortgage is a mortgage product offered by specialist lenders to people whose credit history contains adverse events including missed payments defaults CCJs IVAs DMPs bankruptcy or repossession. These lenders assess applications individually rather than using automated scoring systems making mortgage approval possible for people declined by high street banks.
Who qualifies for a bad credit mortgage? ›
Anyone with adverse credit history may qualify for a bad credit mortgage depending on the type of credit issue its age the amount involved whether it is resolved your income and affordability and the deposit available. Even very recent and severe adverse credit can be considered by some specialist lenders. Darryl Dhoffer will give you an honest assessment of your options.
How do bad credit mortgages work? ›
Bad credit mortgages work exactly like standard mortgages. You borrow money to buy or remortgage a property make monthly repayments of capital and interest and the mortgage is secured against the property. The key differences are that they are offered by specialist lenders who take a more flexible underwriting approach and the interest rates are typically slightly higher.
How do I apply for a bad credit mortgage? ›
The right process: 1 Check your credit files from all three agencies. 2 Contact Darryl Dhoffer for a free assessment. He will review your credit history and give you an honest picture of your options before any formal application. 3 Darryl identifies the right lender for your specific situation. 4 A soft search is conducted to confirm eligibility without affecting your credit file. 5 Formal application is submitted to the right lender. 6 Mortgage offer received.
Is a bad credit mortgage right for me? ›
For most people with adverse credit who want to buy or remortgage a property a specialist bad credit mortgage is the only viable route. The alternative of waiting until credit is completely clean can mean waiting 6 years or more. Bad credit mortgages allow you to get onto the property ladder now and remortgage onto better rates as your credit improves.
Get Your Free Assessment Today
No credit search. No obligation. Darryl personally reviews every enquiry and responds within 2 hours.
01234 237321
contact@themortgagegeezer.co.uk
FCA No. 301173
47 Five-Star Reviews
Back to The Mortgage Geezer
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.