🏆 Award-Winning UK Bad Credit Specialist · FCA No. 301173

Self Employed Mortgage Defaults — Yes, It's Possible

Darryl Dhoffer

CeMAP · CeRER · FCA 301173 · ⭐ 48 Reviews

"I specialise in exactly this. Free assessment — no credit search, no obligation. I respond within 2 hours."

Self Employed Mortgage Defaults — Darryl Dhoffer places cases the high street declines. He works with 65+ lenders including specialist adverse credit lenders, and knows which of them will genuinely consider your situation and at what rate.

Being declined feels personal. It isn't — banks use computers. Darryl uses judgement.

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⭐⭐⭐⭐⭐ 48 Google Reviews 🏆 Award-Winning Broker 🏦 65+ Lenders 📞 01234 237321 ✅ FCA Regulated 📰 Daily Express · The Intermediary · Daily Mirror

Self-Employed Mortgages With Defaults — What You Actually Need to Know

Banks and high street lenders often decline automatically when they see a default. Specialist lenders don't. They look at the full picture — how old the default 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 if I'm self-employed with a default?›

Yes. Being self-employed with a default doesn't rule you out — but it does mean two separate things need to line up: a lender who accepts your income evidence, and one who accepts your specific default. Darryl works with lenders who manually underwrite both self-employed income and adverse credit together, rather than declining automatically because either box is ticked.

How does self-employment affect a mortgage application with a default?›

Most lenders want 2-3 years of accounts or tax returns to assess self-employed income, which is unrelated to your default but assessed alongside it. A newer business (under 2 years) narrows your lender options further on top of the default itself, so the combination genuinely does need a broker who can place both factors with the same lender.

Do I need to clear my default before applying as self-employed?›

Not necessarily, but a satisfied default is viewed more favourably by most lenders than an unsatisfied one, and this matters more when your income is already being assessed more closely as a self-employed applicant. Darryl will advise whether clearing it first genuinely improves your options or whether it's not worth the delay in your specific case.

What deposit do I need for a self-employed mortgage with a default?›

Typically 15-25%, depending on the age and amount of the default and how established your business is. A longer trading history and a smaller or older default both work in your favour on deposit requirements. Darryl will give you a realistic figure once he's seen your accounts and credit file together.

Will being self-employed with a default mean a higher rate?›

Often slightly, since you're combining two factors a mainstream lender would decline outright. Specialist lenders price for that risk, but the gap is usually smaller than people fear — and as your business trading history lengthens and the default ages, remortgaging onto a better rate becomes realistic.

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REAL CASE STUDY

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

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📞 01234 237321 ✉️ contact@themortgagegeezer.co.uk 🔒 FCA No. 301173 ⭐ 48 Five-Star Reviews

Not sure if you qualify?

Self Employed Mortgage Defaults — Yes, It's Possible

Self-Employed Mortgages With Defaults — 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?

Defaults on your file? Find out what's possible