Bad credit remortgages in Greater Manchester
Deal ending? Credit worsened since you bought? Want to release equity? We help homeowners across Greater Manchester remortgage despite adverse credit.
Free chat · No obligation · Whole-of-market access
Your deal's ending and your credit's changed?
Life moves on between mortgages. Maybe you took out your current deal with a clean file, but the last few years brought a CCJ, a default, or some missed payments. Now your fixed rate is ending, and you're worried your bank won't remortgage you — leaving you stuck on an expensive standard variable rate.
This is one of the most common situations we deal with. As a specialist bad credit remortgage broker covering Greater Manchester, we have whole-of-market access to lenders who remortgage people with adverse credit. Whether you want to switch to a better rate, release equity, or consolidate debt, there's usually a route forward.
We're an appointed representative of Oak Mortgages Ltd, authorised and regulated by the Financial Conduct Authority. Honest, regulated advice for homeowners across Leigh, Bolton, Wigan and the wider region.
Who we help
We help homeowners remortgage in all sorts of credit situations:
CCJs & defaults since buying
Credit issues that appeared after you took out your current mortgage. Specialist lenders will still consider you.
Missed payments
Missed payments on credit or even your current mortgage. A product transfer may sidestep a new credit check.
IVAs & DMPs
Active or discharged. Some specialist lenders remortgage applicants still in a Debt Management Plan.
Wanting to release equity
Raising funds for home improvements or other purposes against the value built up in your home.
Consolidating debt
Rolling expensive unsecured debt into your mortgage to reduce monthly outgoings — where it makes sense to do so.
Stuck on SVR
Your fixed deal ended and you've drifted onto an expensive standard variable rate. Let's review your options.
How it works
Free chat
Tell us about your current mortgage, what's changed, and what you want to achieve. No-obligation conversation.
Soft credit check
We review your credit position without a hard footprint, and compare it against your current mortgage terms.
Lender matching
We weigh up a product transfer with your current lender against a remortgage to a new specialist lender.
Application & completion
We handle the paperwork and chase progress through to completion of your new deal.
Where we help across Greater Manchester
Local remortgage advice for homeowners with adverse credit, wherever you are in the region:
Leigh
Our home town. Local knowledge of the area and the lenders comfortable with it. Bad credit remortgage advice in Leigh.
Atherton
Helping Atherton homeowners remortgage despite credit issues. Remortgage with bad credit in Atherton.
Tyldesley
Specialist remortgage help for Tyldesley homeowners. Bad credit remortgages in Tyldesley.
Bolton
Remortgage advice for Bolton homeowners whose credit has changed. Remortgage broker for bad credit in Bolton.
Wigan
Whole-of-market remortgage advice for Wigan and surrounding areas. Bad credit remortgage help in Wigan.
Greater Manchester
Covering the wider region for homeowners with adverse credit. Bad credit remortgages across Greater Manchester.
Understanding bad credit remortgages
A remortgage means moving your existing mortgage to a new deal — either with your current lender or a new one. When you have adverse credit, the process is the same, but your choice of lenders narrows to those who accept credit issues.
Product transfer vs remortgage
If your credit has worsened, a product transfer with your existing lender can be valuable because it usually doesn't require a fresh credit check or affordability assessment. The downside is you're limited to that lender's deals. A remortgage to a new lender opens up the wider market and lets you release equity, but involves a full application. We compare both for you.
Releasing equity with adverse credit
If you've built up equity in your home, a remortgage can release some of it — for home improvements, or other needs. With bad credit, the amount you can release and the rate you'll pay depend on your credit profile and income. Where a remortgage isn't the best fit, a secured loan for bad credit can sometimes be a better route to raising funds.
Timing your remortgage
It's worth reviewing your options before your current deal ends, so you don't drift onto an expensive standard variable rate. If your credit issues are recent, sometimes waiting a few months for them to age can widen your options — we'll give you an honest view. If you're buying rather than remortgaging, see our bad credit mortgages in Greater Manchester.
What our clients say
Frequently asked questions
Can I remortgage with bad credit?
Why would I remortgage with bad credit?
What happens when my fixed rate ends with bad credit?
Can I release equity from my home with bad credit?
Will remortgaging with bad credit cost more?
Should I stay with my current lender or remortgage?
Do you charge a fee?
Related services
Deal ending? Let's review your options.
One call. Honest answer. No judgement, no pressure, and no fee for finding out where you stand.
Call Chris on 07359 911 696Monday to Friday, 9am–7pm · Saturday 10am–2pm
Your home may be repossessed if you do not keep up repayments on your mortgage.
Think carefully before securing other debts against your home. Consolidating debt into your mortgage may reduce monthly payments but could cost more overall as the debt is repaid over a longer term.
Chris Smith Mortgages is an appointed representative of Oak Mortgages Ltd, which is authorised and regulated by the Financial Conduct Authority. FRN 1026569.