March 18, 2025

Adverse Credit Remortgage

Remortgage with bad credit – CCJs, defaults, missed payments. Specialist adverse credit lenders. Expert guidance for credit issues.

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Adverse Credit Remortgage

Specialist remortgage advice for homeowners with CCJs, defaults, missed payments, or other credit issues. Bad credit doesn’t mean you can’t remortgage.

FCA Regulated (535515)
Whole of Market Access
Specialist Advisers
Fast 4-8 Week Process
No Upfront Fees

Overview

Our adverse credit remortgage service helps UK homeowners secure competitive rates and expert guidance throughout the remortgage process, even with credit challenges.

How We Help

Whole Market Access

We compare rates from all major and specialist UK lenders who accept adverse credit

Expert Guidance

Qualified mortgage advisers with years of experience in adverse credit cases

Application Management

We handle the process from start to completion, liaising with lenders on your behalf

FCA Regulated

Appointed Representative of Rosemount Financial Solutions (FCA 535515)

Eligibility Requirements

Requirements vary by lender and individual circumstances. Generally you’ll need:

Sufficient equity in your property (typically 10-25%)
Proof of income and affordability
Acceptable credit history (varies by lender)
UK residency or appropriate visa status

The Process

Initial Consultation

We discuss your needs and circumstances to understand your situation

Market Search

We compare rates across the whole market from specialist lenders

Recommendation

We present your best options with clear explanations and advice

Application

We submit your application and manage the process with the lender

Completion

Your new mortgage completes and your new rate begins

Frequently Asked Questions

Typically 4-8 weeks from application to completion, depending on complexity and lender processing times. We keep you updated throughout the process.
Fees vary by lender and may include arrangement fees, valuation fees, and legal costs. We explain all fees upfront before you proceed, so there are no surprises.
Yes. We compare rates from major high street lenders and specialist providers to find you the best deal for your circumstances. We have access to deals not available directly to consumers.

Ready to Get Started?

If you’re considering this type of remortgage, speak to one of our qualified mortgage advisers for expert guidance.

Call 0800 612 3367 Request a Callback

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Adverse Credit Remortgage

Your home may be repossessed if you do not keep up repayments on your mortgage.

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← Self-Employed Remortgage
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