Award-Winning Bad Credit Specialist · FCA No. 301173
Self Employed Bad Credit Mortgage Expert Specialist Advice
Being self employed AND having bad credit is a double challenge for mortgage lenders. But specialist solutions exist. Darryl Dhoffer has extensive experience with exactly this combination.
43 Google Reviews
Award-Winning
90+ Lenders
FCA No. 301173
01234 237321
Self Employed Plus Bad Credit — What Lenders Look For
Self employed applicants already face more complex income assessment requirements than employed borrowers. Add bad credit to this and the number of available lenders narrows significantly. However specialist lenders exist who understand both self employment and adverse credit and assess them together rather than applying double penalties.
The key is finding a lender whose self employed criteria AND adverse credit policies both align with your situation. Darryl Dhoffer regularly arranges mortgages for self employed borrowers with CCJs defaults IVAs and other adverse credit.
Darryl Dhoffer — The Mortgage Geezer
20+ years in mortgages. Award-winning specialist. Featured in the Daily Express, FT Adviser and The Intermediary. I have helped hundreds of people across the UK who were told no by their bank — and I work with 90+ lenders including specialist adverse credit lenders you will not find on comparison sites.
When you contact me, you speak to me directly. No call centres. No being passed around. I personally review every case and respond within 2 hours.
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Frequently Asked Questions
Can I get a mortgage if I am self employed with bad credit? ›
Yes. It requires a specialist approach but self employed bad credit mortgages are achievable. Darryl Dhoffer has access to lenders who specifically cater for self employed applicants with adverse credit. The combination of the right lender the right income evidence and the right presentation of your case is key.
How many years of accounts do I need as self employed with bad credit? ›
Most specialist lenders require 2-3 years of self employed accounts or SA302 tax returns. Some will consider 1 year of trading with a strong profit figure. Darryl will identify which lenders are most flexible on trading history for your specific income level and credit profile.
What income do lenders use for self employed bad credit mortgages? ›
Most lenders use an average of your last 2-3 years net profit or salary and dividends if you are a limited company director. Some use the most recent year if income has increased. Darryl will identify which calculation method produces the best affordability figure for your specific income structure.
Do I need a bigger deposit if I am self employed with bad credit? ›
Usually yes. The combination of self employment and adverse credit typically requires a deposit of 15-25% depending on the severity of the credit issues. A larger deposit reduces the lender risk and opens up more lender options. Darryl will calculate exactly what deposit you need.
Which lenders accept self employed applicants with bad credit? ›
Specialist adverse credit lenders including Kensington Pepper Money and Together are generally more flexible on both self employment and adverse credit than high street banks. They assess each case individually rather than applying automated scoring. Darryl knows their specific current criteria.
Get Your Free Assessment Today
No credit search. No obligation. Darryl personally reviews every enquiry and responds within 2 hours.
01234 237321
darryl@themortgagegeezer.co.uk
FCA No. 301173
43 Five-Star Reviews
The Mortgage Geezer is a trading style of Access Financial Services Limited, authorised and regulated by the FCA No. 301173. Your home may be repossessed if you do not keep up repayments on a mortgage.
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