Remortgage with bad credit — even if your circumstances have changed.
Coming off a fixed rate but worried your credit's slipped since you bought? Need to release equity? CCJ or default since the last mortgage? We work with specialist lenders who remortgage homeowners other brokers can't. Free chat. No judgement.
What is a bad credit remortgage?
A bad credit remortgage is a remortgage arranged for a homeowner whose credit profile makes mainstream lenders reluctant — or unwilling — to remortgage them. Maybe you've had a CCJ, default, or missed payment since you took your current mortgage out. Maybe your income has changed and you can't satisfy mainstream affordability checks. Maybe you've already been turned down for a remortgage by your existing lender.
Whatever the reason, specialist remortgage lenders exist precisely for these situations. They underwrite based on context, not just credit scores — and many of them only work through brokers like us.
Don't let your fixed rate roll onto SVR.
If your fixed rate is coming to an end and you stay put, your lender will roll you onto their Standard Variable Rate — usually 2-4% higher than what you could get elsewhere. That's hundreds of pounds extra a month for doing nothing.
Start the conversation 6 months before your fix ends
Most lenders let you secure a remortgage offer up to 6 months in advance. That gives us time to find the best lender, get an offer agreed, and switch you the day your old rate ends. Leave it to the last minute and you're rushing — and rushing rarely gets the best deal, especially with adverse credit on your file.
Who we remortgage most often
Coming off a fix
2-year, 3-year, or 5-year fix ending? Lock in a new rate before SVR kicks in.
Credit slipped since you bought
CCJ, default, missed payment since your last mortgage? Specialist lenders still consider you. More on CCJs & defaults.
Releasing equity
Home improvements, debt consolidation, supporting family — whatever the reason, we'll find a lender comfortable with it.
Self-employed
Income changed since the last mortgage? Lenders judge self-employed remortgages more strictly than purchases.
Existing lender said no
Your current lender's product transfer offer doesn't suit you, or they've declined a request. Whole-of-market view often opens better doors.
Buy-to-let remortgages
Landlords with adverse credit or limited company structure — specialist BTL lenders welcome.
Why use a broker for a bad credit remortgage?
Whole-of-market access
Your existing lender will offer you a "product transfer" — but it's rarely the best rate. We compare 60+ lenders.
Adverse credit specialists
If your credit's dipped, mainstream lenders may decline. We work with lenders who specifically handle that.
Timing & ERCs
Remortgage too early and you pay early repayment charges. We'll calculate the right window.
Affordability advocacy
Specialist lenders use different affordability tests. We know which ones look favourably on your situation.
Remortgage or secured loan? Quick test.
Before you commit to a remortgage, it's worth checking whether a secured loan ("second charge") might suit better. We'll talk both options through honestly.
Remortgage probably better if…
Your current rate is poor anyway, you want one single monthly payment, you're not in an early repayment charge window, or you need to borrow significantly more.
Secured loan probably better if…
Your current mortgage rate is excellent, you need money fast, your credit's dipped recently, or you're tied into early repayment charges. More on secured loans.
How it works — three simple steps
Free phone chat
Tell Chris about your current mortgage, your file, and what you want to achieve. Honest answer about what's possible.
Lender match
We pick the lender most likely to say yes — comparing your existing lender's offer against the wider market.
Switched and settled
We package, submit, chase. You stay updated. The new rate kicks in seamlessly when the old one ends.
Bad credit remortgage FAQs
Can I remortgage if I've had a CCJ or default since buying?
Will my existing lender remortgage me with bad credit?
How much equity do I need to remortgage with bad credit?
Can I borrow more on the new mortgage to consolidate debt?
What rates can I expect on a bad credit remortgage?
How long does the remortgage process take?
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Related guides & pages
Fix ending? Equity to release? Let's talk.
Free chat. No pressure. Honest answer about your remortgage options.
Call Chris on 07359 911 696