I am a mortgage broker looking to help a client who is self employed with low income and bad credit .

Hi mark40 and welcome to the forum.

Without sounding cynical here, I would have thought that being a mortgage broker, your own experience would have been able to place finance for your client. It is a long time since I was actively involved in mortgage finance but I can tell you that being self employed, on a low income and with a bad credit history are all factors that suggest mortgage finance would almost certainly be declined.

Hi again mark40 .... My comments still apply as unsecured lending to clients such as you describe will be harder without security provided. A lot depends on age, proveable income history and the amount that needs to be borrowed. For example, ?500 is relatively easy for someone in full time gainful employment but anything above that may not be. We are in an age of hardened attitude to all types of lending as you know. Would your client be able to provide a home owner/guarantor for this loan?

This page gives access to lenders who consider home owner/guarantor loans :

http://www.money.co.uk/loans/bad-credit-loans.htm

Hello, mark.

Snoopy was trying to be helpful. I don't think your abrupt reply is in the spirit of this Forim.