FCA-Regulated Mortgage Advice

Self-Employed Bad Credit Mortgages in Liverpool

Specialist help for self-employed Liverpool 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
Get in Touch
FCA regulated, Firm Ref 1002905 Rated Excellent on Google Whole-of-market broker No upfront advice fees on most cases

If you trade through a limited company or work as a contractor in Liverpool, you already know your income does not fit the neat monthly payslip that lenders prefer. Add a default or a missed payment and the high street often stops listening. Specialist lenders do not. They are set up to read retained profit, dividends and contract day rates, and to look past credit issues that are ageing or explained.

We bridge the gap between how you actually earn and how a lender needs to see it.

80,490
There were 80,490 homeowner mortgages in arrears in the final quarter of 2025, though the figure has been falling and lenders increasingly work with borrowers rather than rush to act. Past arrears are a recognised situation, not an automatic barrier to borrowing again.Source: UK Finance, mortgage arrears and possessions, Q4 2025. ukfinance.org.uk
Understanding the process

Why the high street says no and the specialist market says maybe

Understanding the split helps you stop wasting applications on lenders who were never going to fit.

01

Automated scoring

High street lenders lean on credit scoring and rigid income rules, so a self-employed file with adverse credit fails the filter early.

02

Manual underwriting

Specialist lenders read the case by hand, weighing context that a scorecard ignores.

03

Risk-based pricing

Specialist rates sit a little higher to reflect the added risk, then improve as your file recovers.

04

Whole-of-market access

A broker reaches lenders who never appear on comparison sites, which is where most of these cases are placed.

Sound familiar?

We help Liverpool clients in situations like these

An accountant who can evidence a healthy forward order book
Dividends that vary year to year alongside a past arrangement
A partnership where one partner has the adverse credit
One year of trading accounts and a default from a tough first year
A limited company director taking low salary and high dividends
A contractor on a day rate that accounts do not fully reflect
Step by step

What working with us looks like

1

Talk it through

A relaxed conversation about your business and your goals.

2

Get a clear picture

An honest read on what is achievable and when.

3

Choose the lender

We select from the whole market, not a narrow panel.

4

Complete the move

We handle the legwork and keep you updated throughout.

Why My Mortgage Specialist

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.

Authorised and regulated by the FCA (Firm Ref 1002905)
Whole-of-market access to specialist lenders
Rated Excellent by clients on Google
Common questions

Self-employed mortgages with adverse credit in Liverpool: 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 Liverpool 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.

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.

Which income figure will a lender use for my application?

It depends on how you trade. Sole traders are usually assessed on net profit, company directors on salary plus dividends, and some lenders will also add retained profit left in the company. Contractors are often judged on day rate annualised. Choosing the right basis can materially change what you can borrow, and it is one of the first things we work out with you.

Can a broker really get me a better outcome than going direct?

A specialist broker knows which lenders look favourably on which kinds of adverse credit, so your application goes to the right place first time. Going direct often means repeated hard searches and rejections, each of which can further dent your score.

Do you charge for advice?

The initial advice and assessment of your situation is free with no obligation. If you decide to proceed, we will explain any fees clearly and in writing before you commit to anything.

Talk to us

My Mortgage Specialist, 11a Park Lane Business Centre, Park Lane, Nottingham, NG6 0DW
Send an enquiry

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.