Just Been Declined?

Don’t Apply Again Until You Read This

A self-employed decline isn’t the end — but applying somewhere else right now could make things much worse. Every fresh application leaves a footprint on your credit file. Speak to a specialist who places declined self-employed cases every day.

  • Declined By Your Bank?
  • Refused Despite Good Income?
  • Self-Employed Under 2 Years?
  • Adverse Credit On File?

See What Went Wrong

60 Seconds. No credit check. No second decline.

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1,000+ 5★ Reviews | £500M+ Placed | Award Winners 2026

Min. 1 Yr Trading | Fast Decisions | 6 x Income

Just Been Declined?

Don’t worry this isn’t the end

Speak to a specialist who places declined self-employed cases every day.

Find Out Where You Stand

60 Seconds. No credit check. No second decline.

Trustpilot

1,000+ 5★ Reviews | £500M+ Placed | Award Winners 2026

Approved When Others Said NO

Reviews from self-employed clients who came to us after a decline — and walked away with a mortgage offer

If you are using a mobile device please turn to landscape to read them.

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The Decline Wasn’t The End

A decline rarely means “you can’t get a mortgage.” It usually means “you applied to the wrong lender.”

Limited company directors, contractors, CIS subbies and sole traders get knocked back every day by banks that don’t understand their income — then placed days later by a specialist broker who does.

We’ve done it literally thousands of times before and continue to do so — every single day.

Take our 60 second quiz or speak to the team. No credit check. No second decline. Just a clear next step.
Self Employed
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No Hard Sell. Just A Straight Answer.

No Hard Sell. Just A Straight Answer.

How To Get Approved Without The Fuss

Are you worried the recent decline will affect you?
Or feeling scared to apply somewhere else?

Have a 15-minute call with one of our specialists. We’ll talk through what went wrong, whether we can help and what realistic next steps look like. No credit check. No application made until we’re confident a lender will say yes.

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DO YOU QUALIFY

The Lenders That Said Yes

The Ones Others Don’t Know About

When the high street says no, the rest of the market is still open. Our lenders actively want self-employed business — these are the ones your bank and other brokers don’t talk about. That’s how a decline becomes a placement, often within days not weeks.

There’s Many Reasons Self-Employed Get Declined

Every one of them is fixable with the right lender. Here’s how we do it.

Income
Strategy

Income Strategy

We know the exact strategy to maximise your earnings

Only 1 Yr Trading

12 months trading is enough — not 2 or 3 years

Your Day Rate Counts

Contractors and CIS — your day rate is your income

In-House Underwriting

Every case is pre-checked by our underwriters before a lender sees it

Adverse Credit Accepted

Defaults, CCJs, missed payments — most cases are still placeable

Get Your Self Employed Mortgage Pre-Approved Today

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Know Your Options In Minutes

60 Seconds. No credit check. No second decline.

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Self Employed Mortgage FAQ’s

Ask Our Experts…

Our experts like to keep things simple and in plain English.

Yes. Every application leaves a hard search on your credit file, and multiple searches in a short window flag you as high-risk. That’s why we never apply for you until we’re confident a lender will say yes. No credit check on the first call.

Find out if you qualify. Take our online quiz

Every case we take on is pre-checked by our in-house underwriting team before any application is made. They’ve seen thousands of self-employed cases — they know what each lender will flag and how to package your income so it gets a yes.

Find out if you qualify. Take our online quiz

There’s no fixed waiting period — but applying to the wrong lender at the wrong time will make things worse, not better. We can usually identify a viable path in one phone call. The right lender often matters more than the timing.

Find out if you qualify. Take our online quiz

Rarely a brick wall. Specialist lenders place clients with defaults, CCJs, missed payments and even ex-bankrupts. We’ll review your credit before any application, so the next search counts.

Find out if you qualify. Take our online quiz

Self-employed mortgages are our entire business — including the declined ones. £500M+ placed. 1,000+ 5★ reviews. Multiple Award Winners and recently nominated for the British Specialist Lending Awards 2026 — Complex Income. Unlike others, we do this every day.

Find out if you qualify. Take our online quiz

Nothing upfront. Our broker fee is £1,495 and is only payable when your mortgage is officially offered. If we can’t get you a mortgage, you don’t pay us a penny. After a decline is the worst time to be paying upfront fees — and we wouldn’t.

Find out if you qualify. Take our online quiz

Usually within one 15-minute call. We’ve seen enough self-employed cases to know quickly whether a specialist lender will look at you, and what they’ll need. If we can’t help, we’ll tell you straight — and often point you toward what to fix first.

Find out if you qualify. Take our online quiz

Still not the end. We’ve placed clients with two, three, even four prior declines on file. The key is stopping the bleeding now — no more applications until we’ve identified the right lender. That’s the difference between a fifth decline and a mortgage offer.

Find out if you qualify. Take our online quiz

Got a different question? Click here

Get your Self Employed Mortgage Today

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