📊
Bad Credit Mortgage
Readiness Score
8 quick questions. 60 seconds. Instant personalised score.
No credit search. No obligation.
🔒 No credit search
⚡ 60 seconds
✅ FCA 301173
🎯 Instant result
Used by 200+ people this month · No data shared without consent
Question 1 of 8
What type of mortgage are you looking for?
This helps set the right baseline for your assessment
Buying a home
First time buyer or moving home
Remortgage
Switch deal or release equity
Buy to let
Investment property
Not sure yet
Just exploring options
Question 2 of 8
What is your main credit issue?
Be honest — all situations are considered and this determines your score
Missed or late payments
Easiest to place — most commonly solved
CCJ — County Court Judgment
Very commonly placed with specialist lenders
Default on credit file
Straightforward with the right lender
DMP — Debt Management Plan
Active or completed
IVA — Individual Voluntary Arrangement
Active or discharged
Bankruptcy
Discharged — solutions exist
Payday loan history
Or Buy Now Pay Later issues
Low credit score — no specific issue
Just a poor score from limited history
Question 3 of 8
How long ago did the credit issue occur?
The age of the issue is one of the most important factors
Within the last 12 months
Recent issues are more challenging — but still solvable
1–2 years ago
Good specialist options available
2–3 years ago
Wide specialist panel available
3+ years ago
Best position — strong options
6+ years ago or not sure
May have already dropped off your credit file
Question 4 of 8
Is the debt resolved or outstanding?
Satisfied issues are viewed significantly better by lenders
Yes — fully paid and satisfied
Best position to be in
Partially paid — still outstanding
Manageable in some circumstances
No — still outstanding
Reduces options but solutions exist
Not sure — haven't checked
Darryl will check this with you for free
Question 5 of 8
What deposit or equity do you have available?
Larger deposits significantly improve your options with bad credit
5%
Minimum — limits options with adverse credit
10%
Good starting point — opens specialist panel
15–20%
Strong position — wide lender choice
25%+
Excellent position — maximum lender choice
Not sure yet
Darryl can help you calculate what you need
Question 6 of 8
What is your employment situation?
Income stability matters to lenders alongside your credit history
Employed — PAYE
Salary with payslips — strongest income type
Self-employed — 2+ years accounts
Good options with specialist lenders
Self-employed — under 2 years
More limited but solutions exist
Contractor or zero hours
Specialist lenders consider contract income
Benefits or mixed income
Some benefits accepted — depends on type
Retired — pension income
Pension income assessed positively
Question 7 of 8
How is your credit since the issue?
What you have done since the adverse credit matters as much as the issue itself
Completely clean since — no further issues
This significantly strengthens your application
Mostly clean — one or two minor blips
Still manageable with the right lender
Mixed — some ongoing issues
More complex but Darryl has seen worse
Not sure — haven't checked recently
Darryl will review your full credit file for free
Question 8 of 8 — Almost there!
Have you been declined by a bank or lender?
Important — each decline leaves a footprint on your credit file
No — not applied anywhere yet
Best position — no footprints on your file
Declined once
One footprint — still manageable
Declined twice
Two footprints — important to stop applying now
Declined three or more times
Stop applying — speak to Darryl first
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Darryl Dhoffer — The Mortgage Geezer
CeMAP · CeRER · FCA 301173 · 20+ years
"Your score is ready. WhatsApp me and I will tell you exactly what this means for your mortgage."
The Mortgage Geezer — FCA No. 301173. This score is an indicative tool only and does not constitute regulated financial advice. Your home may be repossessed if you do not keep up repayments on your mortgage. Individual circumstances vary — speak to Darryl for a full assessment.