Self-Employed Bad Credit Mortgages in Manchester
Specialist help for self-employed Manchester buyers and homeowners whose credit history has a few bumps in it. Whole-of-market advice from a regulated broker who understands variable income.
- Lenders who accept one year of accounts, retained profit or day rate
- Free, no-obligation initial chat about your situation
- An enquiry here leaves no mark on your credit file
Self-employed income and an imperfect credit history are not a barrier on their own, they are simply a combination that the high street is poorly set up to assess. Lenders built for salaried applicants struggle to read a set of accounts, and when adverse credit sits alongside it, they often decline rather than dig deeper. For Manchester business owners that is frustrating, because the underlying case is frequently strong.
Our job is to translate your trading position into the form specialist lenders want to see, then place it where your credit history will be judged fairly rather than filtered out.
Improving your position before you apply
Small moves in the months beforehand can widen your options considerably.
Keep payments clean
A run of on-time payments before applying shows lenders the issues are behind you.
Register to vote
Being on the electoral roll at your current address helps verification and scoring.
Finalise your accounts
Up-to-date, finalised accounts give lenders confidence and may lift the income figure used.
Build the deposit
Every extra few per cent of deposit opens more lenders and better rates.
We help Manchester clients in situations like these
Clear steps, no jargon
First conversation
Free, no obligation, no credit mark.
Assessment
A realistic view of your options today.
Recommendation
The lender and product that fit your case.
Completion
Full support through to the mortgage offer.
A regulated broker who does this every day
Adverse credit lending is not a sideline for us, it is a core part of what we do. We have helped thousands of clients secure mortgages across the full range of credit situations, from a single missed payment to bankruptcy discharge.
You will work with qualified, named advisors who explain things honestly, including when the timing is not yet right. We would rather give you a straight answer than send you towards a rejection.
Adverse credit situations we cover
Bad credit mortgages
Our core service for any kind of adverse credit history. Start here if you are not sure which applies to you.
Mortgage with a CCJ
How a County Court Judgment affects your application, and which lenders will still consider you.
Mortgage with an IVA
Options during and after an Individual Voluntary Arrangement.
Mortgage with a default
Why the type, age and status of a default matters more than its existence.
Mortgage after bankruptcy
Routes back to home ownership once you have been discharged.
Self-employed with bad credit
Combining variable income with an imperfect credit file.
Self-employed mortgages with adverse credit in Manchester: your questions
Where is your office, and do I need to visit?
Our office is in Nottingham, at Park Lane Business Centre, NG6 0DW. You do not need to visit us. We help Manchester clients by phone and video, which is how most adverse credit advice is handled, so you get the same level of service wherever you are.
Will checking my options affect my credit score?
No. An initial conversation and a look at your situation is a soft enquiry and leaves no mark on your credit file. A hard search only happens later, with your permission, when you formally apply to a specific lender.
Will being self-employed and having adverse credit mean a much higher rate?
Specialist lenders price for the added risk, so the rate is usually a little higher than a clean, employed applicant would get. The gap narrows as your credit issues age and your accounts strengthen, and remortgaging onto a better rate later is often possible. A larger deposit also helps bring the rate down.
How many years of accounts do I need if I also have bad credit?
Most lenders prefer two or three years, but some specialists will consider one full year where the business looks healthy and the credit issues are explained and ageing. With only one year, the rest of the case, deposit, income evidence and the recency of any credit marks, carries more weight. We will tell you honestly whether your file is ready or whether a short wait improves it.
Do you work with people outside Nottingham?
Yes. We are based in Nottingham but we advise clients right across the UK, and almost everything can be handled by phone, email and video. Where you live does not limit the advice we can give.
Talk to us
Ready to see what is possible?
A short, free conversation is the quickest way to find out where you stand. No pressure, no jargon, and no mark on your credit file.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
My Mortgage Specialist Ltd is registered with the Data Protection Act 1998 registration No. ZB679050 and is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 1002905, an Appointed Representative of TMG Direct Limited which is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 786245 and registered with the Data Protection Act 1998 registration No. ZA178200. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
My Mortgage Specialist Ltd. Registered Office: 11a Park Lane Business Centre, Park Lane, Nottingham, NG6 0DW. Registered in England Number: 14430556.
Some types of buy to let mortgages are not regulated by the Financial Conduct Authority. As a mortgage is secured against your property, it could be repossessed if you do not keep up the mortgage repayments.