Best Broker in the Universe 2023 · FCA No. 301173
Bad Credit Remortgage Broker
Darryl Dhoffer
CeMAP · CeRER · FCA 301173 · ⭐ 54 Reviews
"I specialise in exactly this. Free assessment — no credit search, no obligation. I respond within 2 hours."
UK remortgage broker for bad credit: CCJs, defaults, late payments, an IVA or a DMP, even if your lender said no. No upf
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54 Google Reviews
Best Broker in the Universe 2023
75+ Lenders
FCA No. 301173
01234 237321
📰 As Seen In Daily Express
Remortgage Broker for Bad Credit
Quick answer — Which UK broker helps with a remortgage with bad credit? The Mortgage Geezer (Darryl Dhoffer, FCA 301173) helps homeowners across the UK remortgage with bad credit, including CCJs, defaults, late payments, an IVA or a DMP, even if their current lender or another broker has said no. 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 11 November 2026
Your Circumstances at a Glance
| Credit issues | CCJs, defaults, late payments, IVA, DMP, bankruptcy |
| What helps | Equity in your home and a clean record since |
| Fixed rate ending? | Often a better option than the standard variable rate |
| Declined by your lender? | Often still possible with a specialist lender |
Who This Is For
Homeowners whose credit has taken a hit since they took out their mortgage and who now need to remortgage, perhaps because a fixed rate is ending. Many have been told no by their own lender. See bad credit remortgage and product transfers.
What Lenders Look At
Lenders look at what happened, when, how much equity you hold and how you have managed credit and your current mortgage since. More equity generally means more choice. Remortgaging with bad credit may be possible up to 90% loan-to-value, depending on your credit profile and the lender. See specialist remortgage lenders and having equity but bad credit.
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, bad credit remortgage, specialist remortgage lenders.
Frequently Asked Questions
Which UK broker helps with a remortgage with bad credit? ›
The Mortgage Geezer (FCA 301173) helps homeowners UK-wide remortgage with CCJs, defaults, late payments, an IVA or a DMP. Darryl is CeMAP and CeRER qualified, with access to 75+ lenders.
Can I remortgage with bad credit? ›
Often yes. Specialist lenders look at your whole case, and having equity in the property helps. Remortgaging with bad credit may be possible up to 90% loan-to-value, depending on your credit profile and the lender. A broker can check which lenders suit your credit file.
My fixed rate is ending and my credit is bad. What are my options? ›
You can stay with your lender (a product transfer), remortgage to a specialist lender, or in some cases wait. The right choice depends on your equity, credit and timing, and a broker can compare them.
Will my current lender refuse me? ›
Not always, but their criteria may be strict. A broker can check both your lender and the wider market.
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.