Remortgage With Bad Credit
A change in your credit history since your last mortgage doesn't rule out remortgaging. Specialist lenders weigh your equity, current affordability and payment history since the issue — not just a credit score — when assessing your application.
Get Your Free Remortgage AssessmentA change in your credit history since your last mortgage doesn’t have to stop you remortgaging onto a more suitable deal. Specialist lenders examine your current financial position, your payment history since any credit issue, your equity in the property, and your income — not simply a credit score.
Common reasons to remortgage with adverse credit include avoiding a lender’s standard variable rate, releasing equity for debt consolidation, funding home improvements, or securing better terms after circumstances have changed. A credit issue in your past doesn’t automatically rule out a competitive remortgage deal — it just narrows which lenders will consider your application.
We look at the whole market, including broker-only deals not available on comparison sites, to find the option that fits your situation now.
What Lenders Look At
Equity in your home
Greater equity expands your lender options considerably, even where adverse credit is present.
Age & type of credit issue
Older or satisfied issues receive more favourable consideration than recent or unresolved ones.
Current affordability
Lenders assess whether you can sustain the new mortgage based on your finances today, not your circumstances when you first took out the loan.
Payment history since the issue
A clean payment record since the credit issue demonstrates financial recovery and carries real weight.
Remortgage With Bad Credit FAQs
Can I remortgage if my credit has got worse since my last mortgage?
Yes — specialist lenders prioritise your current circumstances over historical changes, weighing your equity and income significantly.
Will I have to stay with my current lender?
No. We explore the broader market, including adverse-credit specialists, whenever your current lender's rates aren't competitive.
Can I use a remortgage to consolidate debt?
Yes, though it's worth understanding the risks of converting unsecured debt into a debt secured against your home before proceeding.
What if I have very little equity?
Low equity combined with adverse credit creates more challenges, but it isn't automatically disqualifying — it narrows the field rather than closing it.
Ready to Explore Your Options?
Get a free, no-obligation assessment of your mortgage options — whatever your credit history.
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- No Impact on Credit Score