Self Employed Mortgage With Self UK

Self Mortgages — What You Actually Need to Know

Banks and high street lenders often decline automatically when they see a Self. Specialist lenders don't. They look at the full picture — how old the Self is, the amount, whether it's satisfied, and the rest of your financial profile.

Darryl Dhoffer has arranged mortgages for clients with Selfs ranging from very recent to several years old, satisfied and unsatisfied, large and small. He knows exactly which of his 65+ lenders will consider each scenario and how to present your case to maximise your chances of approval at the best available rate.

The first step is a free, no-obligation assessment where Darryl reviews your full situation and gives you an honest picture of what's possible — before any application is made and before anything touches your credit file.

✅ Bad Credit We Specialise In

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Selfs

County Court Judgments — satisfied or unsatisfied, recent or historic. We know which lenders look past them.

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Defaults

Single or multiple defaults across telecoms, utilities, credit cards or loans. Age and amount matter — we know how.

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IVA / DMP

Currently in or recently completed an IVA or Debt Management Plan. Options exist — we'll find them.

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Missed Payments

Late or missed payments on mortgage, loans or credit cards. Context matters more than the mark itself.

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Repossession

Previous property repossession. Specialist lenders will consider this — timeline and deposit are key.

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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 get a mortgage with a CCJ in the UK? ›

Yes. A CCJ does not automatically prevent you from getting a mortgage. The key factors are how old it is, the amount, and whether it's been satisfied. Darryl specialises in exactly these cases and knows which lenders will consider your specific situation.

How old does a CCJ need to be to get a mortgage? ›

Some specialist lenders will consider CCJs from as recent as 12 months ago. After 2-3 years, more options become available. After 6 years it drops off your credit file entirely regardless.

Do I need to pay off my CCJ before getting a mortgage? ›

Not necessarily, but satisfying it significantly improves your options. Some lenders require satisfaction before they'll lend; others will consider an unsatisfied CCJ depending on its age and amount.

What deposit do I need for a mortgage with a CCJ? ›

Most specialist lenders want at least 10-15% deposit, depending on the age and amount of the CCJ. With a 25% deposit your options improve significantly.

Will having a CCJ mean a higher interest rate? ›

Often slightly, reflecting the lender's view of risk, but the difference is usually smaller than people expect. As the CCJ ages and your credit improves, remortgaging onto a better rate becomes realistic.

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REAL CASE STUDY

See a real Self mortgage case study

Anonymised · Real outcome · Real lender

Ready to Find Out What's Possible?

Free assessment. No credit search. No obligation. Darryl personally reviews every enquiry and responds within 2 hours.

🚀 Get My Free Quote 💬 WhatsApp Darryl

📞 01234 237321 ✉️ contact@themortgagegeezer.co.uk 🔒 FCA No. 301173 ⭐ 51 Five-Star Reviews

Not sure if you qualify?

Self Employed Self Mortgage — Yes, It's Possible

Self Mortgages — What You Actually Need to Know

✅ Bad Credit We Specialise In

Darryl Dhoffer — The Mortgage Geezer

💬 What Clients Say

❓ Frequently Asked Questions

Ready to Find Out What's Possible?

Not sure if you qualify?

Self Employed Self Mortgage — Yes, It's Possible

Self Mortgages — What You Actually Need to Know

✅ Bad Credit We Specialise In

Darryl Dhoffer — The Mortgage Geezer

💬 What Clients Say

❓ Frequently Asked Questions

Ready to Find Out What's Possible?

Self on your file? Find out what's possible