🏆 Award-Winning UK Bad Credit Specialist · FCA No. 301173
Remortgage Post Bankruptcy — Yes, It's Possible
Darryl Dhoffer
CeMAP · CeRER · FCA 301173 · ⭐ 51 Reviews
"I specialise in exactly this. Free assessment — no credit search, no obligation. I respond within 2 hours."
Remortgage Post Bankruptcy — Darryl Dhoffer places cases the high street declines. He works with 65+ lenders including specialist adverse credit lenders, and knows which of them will genuinely consider your situation and at what rate.
Being declined feels personal. It isn't — banks use computers. Darryl uses judgement.
🏆
The Geezer Guarantee — If we can't find you a mortgage offer, we'll send you a £50 Amazon voucher
Start Free Assessment →
⭐⭐⭐⭐⭐ 51 Google Reviews
🏆 Award-Winning Broker
🏦 65+ Lenders
📞 01234 237321
✅ FCA Regulated
📰 Daily Express · The Intermediary · Daily Mirror
Remortgaging After Bankruptcy — What You Actually Need to Know
You cannot borrow during an active bankruptcy, so you must be discharged first (12 months for a standard bankruptcy). After discharge, specialist lenders will consider a remortgage, some from the day of discharge, others after 1–3 years. Your current lender is under no obligation to offer you a product transfer, and its decision has no bearing on whether specialist lenders will consider you: they assess your current circumstances, equity and credit profile.
Requirements fall sharply with time. As a guide, with equity playing the part a deposit does on a purchase:
| Time since discharge | Equity needed | Lender availability |
|---|
| 0–12 months | 25%+ | Very limited |
| 1–3 years | 20%+ | Limited specialist options |
| 3–6 years | 15%+ | Broader specialist access |
| 6+ years (off your file) | 5%–10% | Near-mainstream access |
Context can matter in manual underwriting: a bankruptcy caused by a business failure is viewed differently to a pattern of financial mismanagement, and Darryl's covering letter presents the circumstances in the most favourable accurate light.
Guide only. On a remortgage your equity plays the part a deposit does on a purchase. Lender policy changes, so criteria are confirmed live before any application.
The first step is a free, no-obligation assessment where Darryl reviews your full situation and gives you an honest picture of what is possible, before any application is made and before anything touches your credit file. For the full picture see the bad credit remortgage guide.
✅ Bad Credit We Specialise In
⚖️
CCJs
County Court Judgments — satisfied or unsatisfied, recent or historic. We know which lenders look past them.
📋
Defaults
Single or multiple defaults across telecoms, utilities, credit cards or loans. Age and amount matter — we know how.
📑
IVA / DMP
Currently in or recently completed an IVA or Debt Management Plan. Options exist — we'll find them.
💸
Missed Payments
Late or missed payments on mortgage, loans or credit cards. Context matters more than the mark itself.
🏚️
Repossession
Previous property repossession. Specialist lenders will consider this — timeline and deposit are key.
📉
Bankruptcy
Discharged bankruptcy. Many clients are surprised what's possible even shortly after discharge.
Darryl Dhoffer — The Mortgage Geezer
20+ years in mortgages. Award-winning specialist. I've helped hundreds of people across the UK who were told "no" by their bank — first-time buyers, remortgagers, landlords and homeowners with every type of adverse credit history.
I work with 65+ lenders including specialist adverse credit lenders that don't appear on comparison sites. I don't just find you a mortgage — I find you the best mortgage your situation allows, and I create a plan to improve your options at every future remortgage.
CeMAP QUALIFIED
CeRER QUALIFIED
FCA NO. 301173
AWARD WINNING
FEATURED: DAILY EXPRESS
FEATURED: FT ADVISER
💬 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
★★★★★
"Darryl was absolutely amazing from the first phone-call to the very quick mortgage offer! As first-time buyers who weren't even sure we could get a mortgage, this actually feels like nothing short of a miracle!"
Kate Dalton — First-Time Buyer
★★★★★
"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 going to be a tricky case, he immediately put my nerves at ease. Within a few weeks he had secured us a deal."
Hayley Beale — Complex Case
❓ Frequently Asked Questions
Can I remortgage after bankruptcy? ›
Yes, once you have been discharged. You cannot borrow during an active bankruptcy. After discharge, specialist lenders will consider you, some from the day of discharge, others after 1–3 years.
How long after bankruptcy can I remortgage? ›
Options improve with time: very limited in the first 12 months after discharge, limited specialist options at 1–3 years, broader access at 3–6 years, and near-mainstream access once the bankruptcy drops off your file after 6 years.
How much equity do I need to remortgage after bankruptcy? ›
As a guide, 25%+ in the first 12 months after discharge, 20%+ at 1–3 years and 15%+ at 3–6 years, falling to around 5%–10% once the bankruptcy is off your file. Equity plays the part a deposit does on a purchase.
Does the reason for my bankruptcy affect a remortgage? ›
It can in manual underwriting. A bankruptcy caused by a business failure is viewed differently to a pattern of financial mismanagement, and Darryl's covering letter presents your circumstances in the most favourable accurate light.
My current lender won't give me a product transfer after my bankruptcy. What can I do? ›
Your current lender is under no obligation to offer you a product transfer, and its decision has no bearing on whether specialist lenders will consider you: they assess your current circumstances, equity and credit profile. Darryl can approach specialist lenders on your behalf.
Ready to Find Out What's Possible?
Free assessment. No credit search. No obligation. Darryl personally reviews every enquiry and responds within 2 hours.
📞 01234 237321
✉️ contact@themortgagegeezer.co.uk
🔒 FCA No. 301173
⭐ 51 Five-Star Reviews
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.