Specialist information for UK homeowners with adverse credit

Check your remortgage options

About Bad Credit Remortgage

We help UK homeowners with a less than perfect credit history understand their remortgage options, and put them in touch with an authorised adviser when they are ready.

What we do

Remortgaging with a CCJ, defaults, missed payments, arrears or a past insolvency can feel like a closed door, especially after a decline. Often it isn’t. The difficulty is that lenders take very different views of the same credit history, and those differences are rarely explained anywhere in plain English.

Bad Credit Remortgage does two things. We publish clear, practical information about how adverse credit affects a remortgage, and we offer a simple enquiry form so you can ask an authorised adviser about your own situation.

What we are not

We are not a lender and we do not give mortgage advice. We don’t make lending decisions, and we can’t tell you whether a particular lender will accept you. Nothing on this website is a recommendation or a personal assessment of your circumstances.

How enquiries are handled

When you send an enquiry, we pass your details to [AUTHORISED PARTNER FIRM NAME], who may contact you to talk through your options. You are under no obligation to go ahead with anything they discuss with you.

[REGULATORY WORDING TO BE SUPPLIED BY COMPLIANCE PARTNER]

[PARTNER / AUTHORISED FIRM WORDING TO BE SUPPLIED BY COMPLIANCE PARTNER]

Bad Credit Remortgage is not a lender and does not give mortgage advice. We pass your enquiry to [AUTHORISED PARTNER FIRM NAME], who may contact you to discuss your options. [CONFIRM FEE / COMMISSION DISCLOSURE WITH COMPLIANCE PARTNER]

How we are paid

[FEE AND COMMISSION DISCLOSURE TO BE SUPPLIED BY COMPLIANCE PARTNER. For example, whether the website receives a fee from the partner firm for introductions, and whether the partner firm charges customers a fee.]

Our editorial standards

  • We explain how credit files and remortgages generally work. We do not invent lender criteria or quote rates.
  • We never promise approval or suggest that anyone will be accepted.
  • We describe alternatives, including staying with your current lender and getting free debt advice, not only remortgaging.
  • Where we give figures that are not fixed rules, we label them as illustrative.
  • Every page shows the date it was last reviewed, and we update pages when rules or common practice change.

If you are struggling financially

If you are behind with your mortgage or other bills, speak to your lender as early as you can. Free, confidential debt advice is available from MoneyHelper, StepChange and National Debtline.

Company details

Bad Credit Remortgage is a trading name of [COMPANY LEGAL NAME]. Company number [COMPANY NUMBER]. Registered office: [REGISTERED OFFICE ADDRESS].

Questions about this website? See our contact page.

Check your options

Find out what may be possible for you

Tell us a little about your circumstances and we’ll help you understand your next steps.

  • Takes about two minutes
  • No obligation to go ahead
  • No credit check to enquire
Check your remortgage options

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