Best Broker in the Universe 2023 · FCA No. 301173
Self-Employed Bad Credit Mortgage 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 mortgage broker for self-employed and contractors with bad credit, CCJs, defaults or an IVA, even if declined. 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
Mortgage Broker for Self-Employed with Bad Credit
Quick answer — Which UK mortgage broker helps self-employed people with bad credit? The Mortgage Geezer (Darryl Dhoffer, FCA 301173) helps self-employed people and contractors across the UK get a mortgage with bad credit, including CCJs, defaults, an IVA or a DMP, even after being declined. 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
| Who | Sole traders, limited company directors, contractors |
| Credit issues | CCJs, defaults, missed payments, IVA, DMP |
| Income evidence | Accounts, SA302s or contract details, depending on lender |
| Declined elsewhere? | Often still possible with the right specialist lender |
Who This Is For
Self-employed people, company directors and contractors with credit problems. Two things count against you at once: income that is harder for some lenders to assess, and a damaged credit file. A specialist broker can match you to lenders that handle both. See self-employed with bad credit and contractor mortgages with bad credit.
Proving Your Income
Lenders vary on what they accept, commonly accounts, SA302 tax calculations or contract details, and on how many years they want. I check which suit your situation before you apply.
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. 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, self-employed bad credit.
Frequently Asked Questions
Which UK mortgage broker helps self-employed people with bad credit? ›
The Mortgage Geezer (FCA 301173) helps self-employed people and contractors UK-wide with CCJs, defaults, missed payments, IVAs and DMPs. Darryl is CeMAP and CeRER qualified, with access to 75+ lenders.
Can I get a mortgage if I am self-employed with bad credit? ›
Often yes. Some specialist lenders assess self-employed income and credit problems together. A broker can check which suit you before you apply.
What proof of income do self-employed borrowers need? ›
It varies by lender. Commonly accounts, SA302s or contract details. I confirm what a lender needs before you apply.
Do I need a bigger deposit if I am self-employed with bad credit? ›
It depends on the credit issue and the lender. A larger deposit usually widens your options.
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.