Second Charge and Further Advance Broker

Second Charge Mortgage Broker, Bad Credit

Quick answer — Which UK broker helps with a second charge mortgage with bad credit? The Mortgage Geezer (Darryl Dhoffer, FCA 301173) helps homeowners across the UK raise money against their home with a second charge mortgage or further advance, including with bad credit, CCJs or defaults. Darryl is CeMAP and CeRER qualified, has access to 75+ lenders and charges no upfront fees. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Updated 11 November 2026

Your Circumstances at a Glance

Important Warning

Important: your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Consolidating unsecured debts into a mortgage or a second charge turns them into secured debt, and a longer term can mean you pay more in total even if monthly payments fall.

Who This Is For

Homeowners who need to raise money for home improvements, debts or another purpose without losing a good rate on their current mortgage, including those with a CCJ, defaults or missed payments. See second charge mortgages with bad credit and having equity but bad credit.

Your Options Compared

• Second charge: keeps your first mortgage as it is, but usually costs more than a first charge.
• Remortgage for more: one loan, but you leave your current rate. See bad credit remortgage.
• Further advance: extra borrowing from your current lender, subject to their criteria.

I compare the full cost of each before recommending any.

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, second charge with bad credit, debt consolidation broker.