Adverse Remortgage

Compare Adverse Credit Remortgage Deals

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.

Use our free service to compare adverse remortgage deals - to find the best deals, 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 Adverse Remortgage

If you have an adverse credit history, you may find it particularly difficult to find a suitable remortgage at a price that would suit your budget.  However, it is not necessarily impossible to find a remortgage if you have a poor credit rating. If this is the case, then there are various remortgaging services available to you even if you are unable to get one from high street banks.

Advantages of remortgaging include:

  • Reducing your monthly payments if you have a problem keeping up with your current outgoings
  • Releasing money to spend on other things
  • Enjoying a fixed rate so you know where you stand financially
  • Consolidating all of your existing debts into a more manageable arrangement
  • Potentially saving money by finding a discount remortgage rate
  • Being able to get a remortgage despite having problems with an adverse remortgage in the past

 

When choosing an organisation for your remortgage, you should be aware that even though your monthly payments may decrease, you will be extending the term of your debt and the total amount that you end up repaying could be higher. There may also be various fees that they might charge, such as mortgage valuation fees, arrangement fees, exit fees, early repayment fees and legal fees.

 

There are a number of specialist lenders who could offer you an adverse remortgage deal.  It could be a good idea for you to contact a number of these to see what each might be prepared to offer you, before opting to invest in a particular adverse remortgage deal.

 

The following comparison tables could be of use to you in your search for a remortgage deal.

 

Currently, many people in the UK have poor credit ratings, yet this need not prevent them from getting a remortgage. Adverse remortgages tend to work in a similar way to a standard remortgage, in that it would replace an existing mortgage for a new mortgage that could sometimes work out as a better deal for you. 

 

However, as those with poor credit ratings tend to present themselves as more of a risk to lenders, an adverse remortgage could be fairly difficult to obtain. 

 

It should also be noted that interest rates on an adverse remortgage could be significantly higher than that of a standard remortgage. It could therefore be all the more important to shop around with different providers to ensure that you get a good deal on an adverse remortgage.

 

Remortgaging itself can also be a fairly costly business; therefore it is important that you make yourself aware of any charges that you might have to pay when applying for an adverse remortgage. These could comprise the following:

 

  • Administration fees
  • Surveyor fees
  • Charges that you might be expected to pay your existing mortgage lender
  • Legal costs

 

Finding the best remortgage deal for you is a matter of comparing the offers that are available in the market, and our easy to use comparison tables are designed to help you do just that.

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