Adverse Credit Remortgage

Compare Remortgages for Adverse Credit

Latest Deal - NatWest 2 Year FIXED »

Call FREE - 0800 158 2934 

1.32%Reverts to 3.75% after 2 years
  • 2 Year Fixed - 60% LTV Deal
  • Call FREE - 0800 158 2934


Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.

Looking for an adverse credit remortgage deal? Adverse credit, otherwise known as poor or bad credit, can affect your ability to remortgage your home. Call our independent mortgage team on 0117 332 6063.

Adverse Credit Mortgage Service
ProviderLTV**CCJsDefaultsBankruptcyIVAMissed Loan Payments* 
Up to 75%None in 12 Months - Maximum 5None in 12 MonthsDischarged 12 Months AgoSatisfactorily Conducted 12 Months AgoNone in 12 MonthsMore Info >

Call 0117 332 6063

Our View:

"Credit repair mortgage service to help you get back to a high street mortgage deal - If you have suffered a one off event such as divorce, redundancy, serious illness which has resulted in a "bad" credit entry on your credit file over 12 months ago this service will help you get back on track".

*Secured or Unsecured Loans

**LTV = Loan to Value

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Compare Remortgages for Adverse Credit

Adverse credit remortgages or also known as bad credit remortgages, allow you to take out a mortgage on your property even though you have a poor credit record. You may have bad credit items including CCJs, mortgage arrears or IVAs you may be finding it a little difficult to obtain the right remortgage deal.

 

The potential benefits of adverse credit remortgage deal can include:

  • Reducing your monthly outgoings if you can find a cheaper deal
  • Paying off other debts with the savings to improve your credit rating
  • Releasing equity in your property to help pay off debts
  • Consolidating all your existing debts into one monthly payment
  • Improving your credit rating by keeping up with future mortgage payments

 

Our service compres the market through a network of remortgage specialists who can provide quotes and information based on your particular situation. Click on the link and fill in an enquiry form to get the best remortgage deal for your needs.

 

Many people in the UK have poor credit ratings but that does not necessarily mean that you will be unable to find a remortgage deal. Adverse credit remortgages allow many potential borrowers with past or present credit issues to get a mortgage or remortgage their property.

There are many reasons for why your finances have taken a turn for the worse and now you have bad credit problems but there are some things you can try to do to get back on track:

 

  • Contact a mortgage adviser who can talk to you about the best route to take
  • Shop around and collect a number of different prices and policies
  • Speak to a mortgage broker if you are struggling to find a good deal
  • Think about the type of product you want (e.g. fixed rate, variable rate or flexible rate mortgage)
  • Wait until your credit history has been repaired or it is back on track.

Although you will probably find it a little more difficult to find a provider who will offer you the chance to remortgage with adverse credit history, there are a few companies that could help you.

However, you should expect that interest rates will be higher and fees. This is because mortgage lenders are very risk averse and those with bad credit problems are considered to be a risky investment.

Although limited, there are some providers who could help you remortgage with adverse credit issues. Comparing remortgage deals is an important part of the searching process when looking for a policy that is best suited to your personal requirements.

Top 5 Mortgage Deals

Find a selection below of top mortgage deals based on "loan to value" or LTV - so if you have a 25% deposit or 25% equity in your home click on the 75% LTV tab for latest deals

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed

1.32%

Reverts to 3.75%

2

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.60% APRC. This is the cost of the mortgage over the full term.
Tracker

1.59%

Reverts to 3.75%

2

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Fixed

1.88%

Reverts to 4.24%

3

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Fixed

1.97%

Reverts to 3.75%

5

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.20% APRC. This is the cost of the mortgage over the full term.
Fixed

1.97%

Reverts to 3.75%

5

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.20% APRC. This is the cost of the mortgage over the full term.

*LTV = Loan to value (how much mortgage you have or require in relation to the value of your property).

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above 60% Loan To Value mortgage products are a selection of deals available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you contact our independent mortgage broker team at - independent mortgage broker or call on 0117 332 6063

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above mortgage products highlighted on this website are available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker