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Specialist advisors for remortgaging with bad credit.

Bad credit isn’t the be-all and end-all. Our team of specialist advisors will help you achieve approval on a mortgage deal that works for you.

Your home may be repossessed if you do not keep up repayments on your mortgage. When The Bank Says No is a mortgage broker, and not a lender.

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Finding You The Best Remortgage Deal With Bad Credit

Maybe you started on the property ladder with a clean credit history, but something happened and your credit score has suffered. Don’t panic; we’re all human and things happen. The good thing is bad credit doesn’t mean your plans aren’t possible. We’ve helped customers with various severities of adverse credit apply for a remortgage and achieve approval. Whether you’re struggling to navigate the process or have already been declined, our friendly mortgage advisors are here to show you the way forward.


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No one wants to have a bad credit history hanging over them, and you may be upset if you discover a new mark on your credit report. Or perhaps you had historically poor credit previously but now want to remortgage to access better mortgage terms.

Whatever the case may be, bad credit remortgages are achievable. You can trust our specialist mortgage brokers to guide you through the remortgage with a bad credit process and make sure we locate the most suitable deal for you. We’re passionate about helping our customers achieve approval from remortgage lenders despite their circumstances and previous poor credit ratings. Don’t let your bad credit score and reluctant high-street lenders define your plans!

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We can support you and help you to make yourself as attractive to banks as possible, ready for your next application!

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Check your credit file.

In order for us to assess your credit history and suitability for different mortgage products, you will need to check your file.

Can I remortgage if I have bad credit?

YES! Bad credit remortgages can be a bit more complicated, but that doesn’t mean they’re not possible. While most lenders require borrowers to have a good credit rating, there are still specialist bad credit remortgage lenders out there who may be able to help you.

As you already have a mortgage, lenders will want to see that you have been making your mortgage repayments on time, and doing so will have a positive effect on your application. If you’ve made late payments, this can make remortgage more difficult, but some lenders may allow you to remortgage despite your credit problems.

Our team of bad credit mortgage brokers can help you find a bespoke deal that will enable you to invest in property, pay back debts, switch to a better rate, or whatever else it is that you want to do.

Whether you’ve got multiple incidents of bad credit, have previously defaulted on payments, or have large unsecured debts to deal with, using a mortgage advisor from When the Bank Says No can help you determine the best course of action. Get in touch today!


Will I face higher interest rates if I remortgage with bad credit?

Unfortunately, yes, bad credit remortgage rates are less favourable to those looking to borrow. It’s quite likely you will face higher rates of interest when you remortgage if you have an adverse credit history. Don’t worry though; bad credit doesn’t mean double or triple your current rate – it all depends on your circumstances and the nature of your bad credit.

The interest rates available to you will be based on the perceived level of risk you pose to the lender. If you have adverse credit and low equity in your property, this will affect the remortgage deals available to you.

Our team of highly qualified advisors will help you find a sympathetic mortgage lender and the best bad credit remortgage deal for your circumstances. Just because you have bad credit, it doesn’t mean a competitive mortgage product isn’t within your reach. We know life happens – but it doesn’t have to get in the way of your remortgaging plans.

Turning Your Nightmares Into Dreams

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When you think you’ve hit that brick wall and have all but given up hope of finding mortgage finance, When the Bank Says No are here to turn your ‘No’ into a ‘Yes’. We have access to a range of specialist lenders who are willing to help those that the High Street banks just won’t touch. Get in touch today and see how we can turn your dreams into a reality.

How do I apply for a remortgage with bad credit?

Bad credit? No problem. If you know remortgaging is for you and want to get started, fill out an initial enquiry form and speak with a specialist mortgage broker from When the Bank Says No.

Our specialist poor credit mortgage advisors will complete a mortgage fact find and provide you with market insights and information about what you can borrow and what it will cost. Once we’ve reviewed your credit file and talked through your situation, we’ll liaise with lenders and find the right deal for you.

Can I pay off debts using the funds from a bad credit remortgage?

It is possible to remortgage your home to pay off debts, this is called a Debt Consolidation Mortgage. The rate of interest you receive through remortgage is often lower than what you would get on a personal loan or a credit card, so it can be an attractive option. However, a mortgage is typically taken out over a longer term than unsecured debts, so more interest may ultimately be payable.

To go through all the options available in your situation, talk to our friendly team! We’ll take the time to listen and understand your credit history without judgment before providing bespoke recommendations for a remortgage with bad credit.

Frequently Asked Questions

Is it possible to remortgage with a CCJ?

Having a CCJ doesn’t rule you out of remortgaging, but it can make things more difficult. Mortgage lenders will assess the details of your CCJ in addition to your overall credit record. Recent CCJs can be more problematic, whereas older CCJs shouldn’t impact getting a remortgage too much, especially if you’ve satisfied your CCJ.

Yes, having more equity in your property when you remortgage will reduce the overall risk to the lender. This in turn will mean there are more options and remortgage deals available to you, and your chances of achieving some competitive rates increase.
When you remortgage, equity is effectively your deposit. And like with deposits, the larger the better – particularly if you have bad credit. A higher level of equity will give the mortgage lender more confidence in you as a borrower as the risk to them will be minimised, so your chances when applying for a remortgage will be greatly enhanced, even if you have a bad credit score.

It can take around 6-8 weeks to remortgage and complete, but this can be expedited depending on how quickly we receive documents and the lender’s current workload. A remortgage offer is typically valid for 6 months, and you can complete your remortgage application at any time until this expires. For more guidance about the remortgaging process, contact our friendly team of advisors!

Not necessarily. A declined mortgage is not in itself recorded on your credit file. What does get recorded is the type of search they carry out when processing your application – either hard or soft. A soft search will not leave a footprint on your credit report, whereas a hard search will.

When the Bank Says No works with some lenders who only ever record an enquiry as a soft footprint. This will not harm your score but still enables them to make an informed decision about lending to you.

If you intend to switch from your current mortgage to a new provider then it is almost certain that the lender will check your credit rating and any adverse credit has the potential to create difficulties for your remortgage application. You should therefore consider improving your credit rating, especially if looking to remortgage with bad credit and a different lender.

The only circumstances where you might be able to remortgage without a credit check would be if you are looking to remortgage with your existing lender. Even then, if you are looking to take money out of the property, change the repayment term, or amend the type of mortgage, the existing lender will need to look at your credit report.

Poor credit history or a low credit score can make a difference to your remortgage application, and the more severe your credit issues, the greater the difficulties you may face. Adverse credit issues include factors like late payment, mortgage arrears, defaults, credit card debt, County Court Judgements (CCJs), Individual Voluntary Arrangements (IVA), debt management plans, bankruptcy and repossessions.

These are all major factors and can have a significant impact on any remortgage application that people with bad credit make. The good news is that there are specialist lenders, each with their way for how they assess a remortgage with bad credit, so there is still some hope of achieving a remortgage even for people with a less than favourable credit score.

Ideally, you should look to improve your credit score as it appears with credit reference agencies before making your application, but we know this is not always possible, especially when time may be a factor when looking to remortgage. That said, your poor credit score doesn’t have to mean the end of your remortgaging ambitions.

In addition to your credit score, mortgage lenders will also look at other factors when assessing your suitability for a remortgage. The amount you are looking to borrow compared to the value of your current property (loan-to-value) will be carefully considered, with a low LTV usually opening up better remortgage deals.

Lenders will also look at affordability based on your income and outgoings, as well as the overall health of your finances. If you have got your finances in better order since your poor credit issues, this will boost your chances of mortgage approval. The older your bad credit issues, the more advantageous this will be to secure a remortgage with bad credit.

While some lenders will consider you as too much risk for a remortgage until after your IVA, others may be more willing to help you during your IVA. Lenders will need to be satisfied that you’ve been making your IVA repayments on time, so you’ll need to produce evidence. If your IVA took place many years ago, and you can demonstrate better debt management, this can make remortgaging with an IVA easier.

Professional support for bad credit remortgages.

When the Bank Says No is a team of remortgaging experts, helping people all over the UK achieve their property plans despite their poor credit rating. Whatever the complexity and severity of your situation, our mortgage broker advisors will listen to your story without judgment and determine the best next steps for you.

We’ll search the whole of the market and help you access specialist lenders to find the right lender and get the best bad credit remortgage deal available within your circumstances. Don’t let a no from a bank or a mark on your credit report scare you off – your remortgage deal is out there waiting!

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