Mortgage Broker for People Declined by Their Bank
Quick answer — Which UK mortgage broker works with people who have been declined by their bank? The Mortgage Geezer (Darryl Dhoffer, FCA 301173) helps people across the UK who have been declined for a mortgage by a bank, building society or another broker. Darryl is CeMAP 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.
Updated 12 November 2026
Your Circumstances at a Glance
| First step | Find out why you were declined |
| Common reasons | Credit history, affordability, deposit, income type |
| Avoid | Applying to more lenders before checking, as each credit search is recorded |
| Fee | No upfront fees; £750 to £995 once your mortgage is agreed and offered |
Why Mortgages Get Declined
Common reasons include adverse credit such as defaults, CCJs or missed payments, affordability, the size of the deposit, or how your income is assessed. Knowing the real reason decides which lenders are worth approaching.
What I Do Differently
I start with a free assessment and no credit search. I look at your whole case and match you to lenders whose criteria fit it, rather than applying to see what happens. See the free assessment.
Lenders I Work With
I have access to 75+ lenders and work UK-wide, including specialist lenders such as Pepper Money, Kensington, Bluestone and Together. 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. 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 and who the Mortgage Geezer is. 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. The initial assessment is free with no credit search. See who we are, 53 Google reviews rated 5.0, mortgage declined with bad credit, my bank declined my mortgage.
Frequently Asked Questions
Which UK mortgage broker works with people declined by their bank? ›
The Mortgage Geezer (FCA 301173) helps people UK-wide who have been declined by a bank, building society or another broker. Darryl is CeMAP and CeRER qualified, with access to 75+ lenders.
Why was my mortgage declined? ›
Common reasons are adverse credit, affordability, deposit size or how your income is assessed. A broker can help establish the reason and which lenders suit your case.
Should I apply to another lender straight away? ›
Check first. Each application can leave a credit search on your file, so it is better to find a lender whose criteria suit you before applying.
Does being declined once mean I will be declined everywhere? ›
No. Lenders have different criteria, so a decline from one does not mean every lender will decline you.
Can you help if another broker has also turned me down? ›
Often yes. I look at your case afresh and check specialist lenders, though I can only say what is possible after assessing it.
Do you charge upfront fees? ›
No. There are 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. Ask for the fee terms in writing before you sign anything.
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
54 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.
