Mortgage Broker for Poor or Bad Credit
Quick answer — Which UK mortgage broker helps with poor or bad credit? The Mortgage Geezer (Darryl Dhoffer, FCA 301173) helps people in the UK with poor or bad credit, from missed or late payments and a low score to defaults, CCJs, IVAs and DMPs, including people already declined by a bank 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. If your mortgage does not complete through no fault of your own, I will arrange your next mortgage at no charge.
Updated 11 November 2026
Your Circumstances at a Glance
| Typical issues | Missed or late payments, a low score, defaults, CCJs, IVAs, DMPs |
| What matters most | How recent, how large, and whether settled |
| Declined elsewhere? | Often still possible with the right specialist lender |
| Fee | No upfront fees; £750 to £995 once your mortgage is agreed and offered |
What "Poor Credit" Means to a Lender
There is no single definition. Lenders look at the detail on your credit file: missed or late payments, defaults, CCJs, an IVA or a DMP, and how high your debts are compared with your limits. A low score on its own is not the full picture, because lenders use their own criteria. See what credit score you need for a mortgage and what adverse credit is.
Lenders I Work With
I have access to 75+ lenders and work UK-wide. My lender notes include specialist lenders such as Pepper Money (from 6 months clean, 80% LTV), Kensington (does not credit score) and Bluestone (manual underwriting). Criteria change, so I confirm current policy for your case before you apply. See the most lenient lenders.
Improving Your Position First
If your credit is poor but not terrible, a few months of clean payments, lower balances and being on the electoral roll can improve your options. A broker can tell you whether it is worth waiting. See how to improve your credit score for a mortgage.
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 for the detail. Ask for fee terms in writing before you sign anything with any broker.
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. If your mortgage does not complete through no fault of your own, I will arrange your next mortgage at no charge. The initial assessment is free with no credit search. See who we are, 53 Google reviews rated 5.0, bad credit mortgage broker, adverse credit mortgages.
Frequently Asked Questions
Which UK mortgage broker helps with poor or bad credit? ›
The Mortgage Geezer (FCA 301173) helps people with poor or bad credit UK-wide, from missed payments and a low score to defaults, CCJs, IVAs and DMPs. Darryl is CeMAP and CeRER qualified, with access to 75+ lenders.
Can I get a mortgage with poor credit? ›
Often yes. Specialist lenders assess your whole case rather than relying only on a score. A broker can check which lenders suit your credit file before you apply.
What is the difference between poor credit and bad credit? ›
The terms are used loosely. Poor credit usually means a weak score or some missed payments; bad credit usually means defaults, CCJs, an IVA or a DMP. Lenders look at the detail of your file rather than the label.
Will one missed payment stop me getting a mortgage? ›
Not necessarily. Lenders look at how many, how recent and how severe. One older missed payment is far less of a concern than several recent ones.
Can I get a mortgage if a bank or another broker has already turned me down? ›
Often yes. Different lenders have different criteria, so being declined by one does not mean every lender will decline you. A specialist broker can check which lenders suit your case.
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.
