Self employed with bad credit mortgage rates

Published 11 August 2016 · Last reviewed 1 May 2026

Self employed with bad credit mortgage solutions even for people with 1 years accounts:

Missed payments, defaults, CCJs accepted
Can work of last year’s account / Tax return figures
Deposit levels as little as 10 to 15%
Missed payments on communication bills ignored

If you are Self employed with a bad credit mortgage products are going to difficult to obtain and the chances are you have already tried and been declined by the Lenders with a high street presence. Bad credit mortgages can be classed as many different things: it could be a few simple missed payments that are relatively recent; or more serious missed payments on secured loan; or mortgages right the way through to defaults and county court judgements (ccjs).

Another challenge with a Self employed with bad credit mortgage is the fact that many high street lenders will need a least 2 to 3 years account figures, and will generally take the average of your earnings, which means if you’ve had a bad year in that period it could come and affect your mortgage, even though your business is now booming.

The good news is at Niche Advice we specialise in getting Self employed with bad credit mortgage applicants with bad credit. I personally have helped many clients overcome the challenges of getting a mortgage, even though there has been past credit problems, and am more than happy to speak to prospective clients who may have already been rejected down the high Street.

Features: 1 Year’s Trading. Consider small defaults and CCJs registered over 2 years ago. 1 or 2 missed payments. Self employed minimum trading period 1 year.

Features: Unlimited satisfied CCJs. Unlimited defaults satisfied or not. Mortgage arrears. Provided no adverse credit registered in the last 2 years. Self employed minimum trading period 2 years..

Features: CCJs up to £2,500 in total (no limit if over 2 years old). Defaults up to £1,500 in total (no limit if over 1 year old). Mortgage arrears 3 missed payments (only 1 missed in last 12 months). Self employed minimum trading period 12 months.

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Secured loans (also known as second-charge mortgages or homeowner loans) secured against your main residence are regulated by the Financial Conduct Authority under MCOB rules. Secured loans against investment, buy-to-let or commercial property are not FCA-regulated.

Secured loans typically carry higher interest rates and fees than a first-charge mortgage and are repaid over a fixed term, with your home or property as security. As with any borrowing secured against your home or property, it could be repossessed if you do not keep up the repayments. Secured loans are often used to consolidate debts — if that applies to your case, the debt-consolidation warning shown elsewhere in this article also applies.

Niche Advice Limited is a Credit Broker authorised and regulated by the Financial Conduct Authority (FCA No: 750263). We are not a secured-loan specialist in all sub-sectors. For some secured-loan cases — particularly those requiring access to specialist master-broker panels — we may refer you to a partner broker authorised for that sub-sector. Where we refer, the partner broker takes on the regulated broking relationship for that case, and we disclose the referral and any commercial arrangement we have with that partner up-front, in line with the FCA's CONC rules.