Remortgage with Bad Credit

Talk to Simply Adverse today, the adverse credit remortgage experts can help with:

  • Remortgage with bad credit
  • Best bad credit remortgage rates
  • Adverse credit history
  • Our reviews and service is second to none, find out how we can help you

Take our Online Remortgage Quiz to find out if you qualify; it takes a couple of minutes with no credit check

Do You Qualify?

Take Our Online Quiz >>
It's quick & easy. No credit check or upfront fee.
*95% Max LTV. IVAs or Ex-bankruptcy 85% Max LTV
Coronavirus (COVID-19) Remortgage With Bad Credit Update

Throughout the current crisis, Simply Adverse will be here to support our customers with all remortgage applications. Our work can be carried out over the phone or online, ensuring that physical distancing measures are maintained.

For more information, take a look at our guide to the impact of coronavirus on bad credit remortgages, which we’ll be updating regularly.

This includes:

How lockdown has affected bad credit remortgage applications

Information on mortgage payment holidays

Can I Remortgage with Bad Credit? Yes, Say the Bad Credit Experts | Simply Adverse

If your existing mortgage deal is coming to an end, or you want to free up some extra cash, then you might be thinking about remortgaging your home. If you’re applying for a remortgage with bad credit though, it’s not always plain sailing. Having an existing mortgage on your home doesn’t guarantee that you’re going to find it easy to get a remortgage.

You may now be asking yourself the question ‘can I remortgage my house with bad credit?’, particularly if your financial circumstances have changed. While the path to arranging a remortgage may not be as simple, there are lenders out there who will allow you to remortgage a house with bad credit.

So, if you’re wondering how to get a remortgage with bad credit, then our specialist Simply Adverse mortgage brokers are on hand to help.

Contact Us

Why Choose Simply Adverse for a Bad Credit Remortgage?

Reason 1 To Choose Simply Adverse - Bad Credit Mortgage Specialists

Simply Adverse has been trading as a specialist poor credit mortgage broker in the UK for since 2009. Our brokerage services are tailored towards UK residents who have struggled with financial problems and found themselves trying to find a mortgage or remortgage a house with bad credit.

Reason 2 To Choose Simply Adverse - 9 Years Experience In Adverse

The solutions that we provide are tailored towards your unique needs, which means that if you have an adverse credit rating and are searching for a remortgage, we’re the right service for you. Our Cemap qualified expert advisers, experienced pre-underwriters, and dedicated case managers make finding you the best bad credit remortgage rates much easier.

Got Mortgage Questions?

Adverse credit, missed payments on credit cards or loans, CCJs, been bankrupt, or just confused & need no strings support?
Ask On The Forum Today

Read Our Latest Reviews...

Turn your mobile to landscape to read them.
call 01245 330163 For A Free Quote
Lines Open: Mon-Fri 09:00 - 21:00 and Saturday/Sunday 09:00 - 17:00. Alternatively request a call back at a time convenient to you.
Contact Us
Do You qualify?
It's quick & easy. No credit check.

What Is a Bad Credit History?

Your credit history shows a record of how well you’ve managed debt repayment in the past, as well as other factors that contribute to a credit score, like whether you’re on the electoral roll. A bad credit history is one where the repayment of debt has been handled irresponsibly, which is normally judged via a score – the higher the score, the better your credit history.

There are a number of reasons why you may have a bad credit history, such as payment defaults, missed payments, IVAs, CCJs, or bankruptcy. No matter the reason why you may have a bad credit history, we can provide bad credit remortgage advice based on our years of experience.

remortgage with bad credit history

How Do I Know If I Have a Poor Credit Score?

The best way to discover how good or bad your credit score is, is to check for yourself. Here’s how to check your credit score, improve it, and judge your eligibility with bad credit remortgage lenders:

Want to discuss your credit score with an expert? Call us today for impartial advice on finding a remortgage with bad credit.

Can I Remortgage with Bad Credit History?

The simple answer to ‘can I remortgage my house with bad credit?’, is yes, but if you have more than a minor problem with your credit score then it is unlikely that you will get a remortgage on the high street. You are much more likely to find a remortgage for people with bad credit by using a specialist broker.

How easy it is to find a remortgage with bad credit will depend on factors such as why your credit history is adverse. What credit history is acceptable for a remortgage will depend on the specific lender, as lenders consider remortgages on a case-by-case basis. You may find that one lender will accept you with a CCJ, whilst others may reject your application due to missed payments.

Your affordability test, which considers income vs expenses, along with your equity amount, will also be factored into the equation of whether you can remortgage house with bad credit. The ratio of your debt to income should be lower than 45% for the best chances of being accepted.

To gain access to specialist bad credit lenders that are likely to accept you for a remortgage with bad credit, you need the help of a bad credit expert mortgage broker, who can arrange a mortgage on your behalf. Simply Adverse has access to the whole market of lenders, so we can source the best remortgage bad credit rates for you.

Remortgage with Bad Credit FAQs

Remortgaging with bad credit can be a very different experience from person to person. Here the are answers to some of the most frequently asked questions about getting a remortgage with bad credit:

If you would like to know more about getting a remortgage with bad credit, then please contact us today.

call 01245 330163 For A Free Quote
Lines Open: Mon-Fri 09:00 - 21:00 and Saturday/Sunday 09:00 - 17:00. Alternatively request a call back at a time convenient to you.
Contact Us
Do You qualify?
It's quick & easy. No credit check.

How Simply Adverse Can Help

At Simply Adverse, we make it our aim to go above and beyond to arrange a remortgage for you. If you’re worried about the question ‘can I remortgage with bad credit history?’, then take a look at what we can do for you:

We Do the Hard Work

When you choose Simply Adverse to help you find a mortgage, we take care of the difficult parts for you. We’ll provide a full assessment of your circumstances, advise you on your eligibility for a remortgage, find highly competitive rates, and simplify the whole remortgage process. Our service is unrivalled when it comes to customer service and results – just take a look at our glowing Trust Pilot reviews!

Not Tied to a Panel of Lenders

Bad credit remortgage UK lenders can be hard to come by on the high street, which is why our specialist adverse credit remortgage service is a great benefit to UK homeowners. We cover all bad credit remortgage lenders, high street and niche lenders, to bring you the best rates from across the board. Not being tied to a panel of lenders also means that we can deliver exclusive rates that aren’t available on the high street.

You Only Pay When a Formal Offer is in Place

There are absolutely no up-front fees when you choose Simply Adverse, we offer everything from the first situation assessment to the detailing of potential mortgages without fees. We only get paid when we’ve arranged for a formal mortgage offer to be given and when the bank has committed to lending. You’re also not tied into the process, you can choose to walk away whenever you want.

Take Our Bad Credit Remortgage UK Eligibility Quiz

To ease your doubts over the stressful question of ‘how to get a remortgage with bad credit?’, our online bad credit remortgage quiz is always available to help to you get an idea of your eligibility for a mortgage.

Interested in learning more about the comprehensive service that we provide at Simply Adverse? You can call our friendly team of mortgage experts for advice about questions like ‘how can I remortgage with bad credit?’, completely free of charge.

What Bad Credit Remortgage Lenders Do Simply Adverse Work With?

For the best bad credit remortgage rates, we search far and wide to locate the best lenders and niche lenders who can offer a remortgage with bad credit score. Here are some of the main bad credit remortgage lenders that we work with:

  • Secure Trust Bank
  • Pepper
  • Aldermore
  • Foundation Home Loans
  • The Mortgage Lender
  • Kent Reliance
  • Saffron Building Society
  • Magellan Home Loans
  • Bluestone Mortgages
  • Kensington
  • Masthaven
  • Precise Mortgages

Find a Bad Credit Remortgage UK with Simply Adverse

If you’re worried about questions like ‘how can I remortgage with bad credit?’, then we’re the experts to call. Our professional bad credit brokerage service will help you to find the best bad credit remortgage deals in as quick of a time as possible.

Don’t worry a second longer about bad credit remortgages, give Simply Adverse a call today and learn more about your ability to get a remortgage from friendly lenders in the UK.

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

What You Will Pay For Our Services and When – Mortgage Advice

This fee is for advice, research, recommendation and implementation (e.g. application, administration of arranging the loan). We will also be paid by commission from the lender.

Our broker fee is £1995 which is payable upon receipt of your mortgage offer. You may have the option to pay the broker fee upon completion for remortgage applications only, the broker fee for this would be £2495.

Our fee is only payable upon receipt of your mortgage offer, we do not charge any upfront fee for identification of any potential solutions.

Legal Information

Simply Adverse is a trading style of Simply Investment Ltd. Simply Investment Limited is an Appointed Representative of Simply Lending Solutions Ltd who are authorised and regulated by the Financial Conduct Authority FSR Number 745164. 

The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

Simply Investment Ltd. Registered in England and Wales Company no: 06528590. Registered Office: Runwell Hall Farmhouse, Hoe Lane, Rettendon Common, Essex, England, CM3 8DQ.

Simply Adverse
15 Runwell Hall Farmhouse
Hoe Lane
Rettendon
Chelmsford
Essex
CM3 8DQ

Email: info@simplyadverse.co.uk
Tel: 01245 330163

Help and Advice

Disclaimer

All content on the Simply Adverse website is believed to be accurate at the time of publication. However, this is a fast-moving sector and lender criteria and policies change regularly. For this reason, we always recommend that you speak to one of our brokers for the most up to date information.

Articles can only ever provide general information and do not constitute financial advice. Our mortgage brokers are fully regulated by the Financial Conduct Authority, and it is only by speaking to them that you will receive advice and information tailored to your individual circumstances. Your home may be repossessed if you do not keep up with repayments on your mortgage.

You should always think carefully, and seek professional advice, before securing other debts against your home or releasing equity from your home.

Copyright © 2016-2020 SimplyAdverse.co.uk.
Simply Adverse Facebook PageSimply Adverse On TwitterSimply Adverse on Linkedin
x
Ask mortgage questions anonymously