Home › Self-Employed Mortgage with Bad Credit UK 2026
Self-Employed Mortgage with Bad Credit
Darryl Dhoffer
CeMAP · CeRER · FCA 301173 · ⭐ 47 Reviews
"I specialise in exactly this. Free assessment — no credit search, no obligation. I respond within 2 hours."
Self-employed with bad credit is a dual challenge. The right specialist lender considers both your income structure and your credit history together — the wrong approach applies standard rules to both and declines.
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Income Assessment for Self-Employed with Bad Credit
Standard lenders average the last 2-3 years of income. Specialist lenders for self-employed bad credit cases can often use just the most recent year — valuable if your most recent year was significantly better than previous years. For limited company directors, some lenders allow salary plus dividends; others look at salary plus retained profit.
Scenario
Rate Range
Min Deposit
Sole trader, 2yr accounts, minor adverse credit
5.5–6.5%
15%
Ltd director, salary+dividends, CCJ satisfied
5.8–6.8%
15–20%
Self-employed, recent IVA completion
6.5–7.5%
20%
Self-employed, multiple adverse, complex income
7.0–8.5%
25%
Indicative ranges, June 2026. Subject to individual circumstances and lender criteria.
Key Strategies for Self-Employed Bad Credit Applications
The two most important decisions are lender selection and income presentation. A bad credit specialist who doesn't understand self-employed income will use the wrong calculation and either get you declined or under-borrow. Darryl has specific expertise in both areas — he selects lenders who use the most favourable income assessment for your specific trading structure alongside the most appropriate adverse credit criteria.
About Darryl Dhoffer
CeMAP and CeRER qualified independent mortgage broker. FCA regulated — No. 301173. Based in Bedford, serving clients across the UK since 2015. Specialises in adverse credit, complex income and specialist mortgage cases. Every client works directly with Darryl — no handoffs, no call centres.
My accounts show low profit but I actually take a higher salary. How is this assessed?
For Ltd company directors, some specialist lenders use salary plus dividends drawn. Others use salary plus 100% of retained profit. The methodology varies by lender and can significantly affect the mortgage available. Darryl selects the lender whose calculation produces the best outcome for your specific income structure.
I have 1 year of self-employed accounts and a satisfied CCJ. What are my options?
Limited options with 1 year of accounts plus adverse credit, but options do exist. Darryl will identify whether this is viable now or whether waiting for a second year of accounts significantly improves outcomes — including the cost comparison between waiting and proceeding now.
⭐⭐⭐⭐⭐48 Five-Star Reviews
FCA No. 301173
⚡ Responds within 2 hours
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1
Situation
2
About You
3
Contact
How can Darryl help you?
Purchase type
Property cost (estimate fine)
Deposit
Amount to borrow
Stage
Property value
Outstanding mortgage
Deal end date
A bit about you
Applying on your own or with others?
Employment status
Credit issues? (CCJ, IVA, defaults etc)
Almost done
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Anything else? (optional)
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We will be in touch shortly. Darryl personally responds within 2 hours Mon–Fri 9am–6pm.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT. This page is for 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.
Darryl personally reviews every enquiry and responds within 2 hours. Free assessment — no credit search, no obligation. Find out what's possible for your situation.
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