Specialist Mortgage Solutions for UK Business Owners & Contractors
Being self-employed already makes mortgage applications more complex — add bad credit and many high-street lenders will automatically say no. The good news is that specialist lenders assess real income, business stability, and affordability, not just credit scores or standard payslips. With the right advice, self-employed borrowers with bad credit can and do secure mortgages.
Lenders care more about proven income than whether you’re PAYE or self-employed.
Past credit issues are weighed against current cash flow and stability.
Specialist lenders apply manual underwriting rather than automated rejections..
We specialise in helping sole traders, limited company directors, freelancers, and contractors secure mortgages despite adverse credit.
We work with lenders who understand irregular income and bad credit.
Your application is positioned to minimise the impact of defaults, CCJs, or missed payments.
We structure your income correctly using accounts, SA302s, or retained profits.
From document review to lender negotiation, we manage the entire process.
What Our Clients Say
Your Self-Employed Bad Credit Mortgage Questions Answered
Yes. Specialist lenders assess income and affordability alongside credit history.
Typically one to two years, depending on the lender and your circumstances.
Often yes, as this reduces lender risk when bad credit is involved.
Yes. Many lenders allow salary plus dividends or retained profits.
If you’re self-employed and bad credit is holding you back, specialist advice can change everything.
3110 Feathers Hooves Drive
Selden, New York 11784
hello@agency.com
631-696-7601
