Adverse Credit Remortgage

Remortgaging with a previous adverse credit history

If your mortgage is in arrears or you have CCJs then regular borrowing can be difficult. We provide a specialist service that will help you find a lender focusing on aiding people with a poor credit history.

Adverse credit remortgages:

• Are a great way to clean up your credit.
• Can be used to consolidate all your bills.
• Can help give you relief from the harassing calls of creditors.
• Are available for home improvements or any worthwhile purpose.
• CCJs are not a problem.
• You can even restructure your debt to avoid bankruptcy.

With hundreds of remortgage packages on the market, we recommend that you speak to a independent poor credit mortgage specialist to ensure you get the right deal for your circumstances. Take these steps beforehand to clarify your ideas:

Decide what you are looking for in a remortgage. Would you prefer the peace of mind of a fixed-rate package, or can you be more flexible? If you’ve suffered a poor credit history in the past, use our mortgage service to find the best mortgage taking into account your previous credit history. As a rough rule of thumb if you have not suffered any bad credit issues in the last 12 months then it should be possible to find a mortgage solution although it will depend on your personal circumstances.

Contact your current lender for a redemption statement. A remortgage can incur various legal and arrangement charges, which you’ll need to factor into your calculations.

Find out what deals are available. Our remortgage service lets you check the cost of repayments under different interest rates and mortgage loan types.