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Adverse Credit Remortgage
This page is for general guidance only and does not constitute personalised mortgage advice. Credit history can affect lender choice, rates, borrowing options, and affordability checks. Your home may be repossessed if you do not keep up repayments on your mortgage or other debt secured on it.
An adverse credit remortgage may still be worth exploring if your credit file has past issues, but the details matter. Lenders will usually look beyond the label of “bad credit” and consider what happened, when it happened, how your finances look now, and whether the new mortgage would be affordable.
Credit issues that may affect a remortgage include missed payments, defaults, CCJs, arrears, a low credit score, debt arrangements, or historic financial difficulty.
Book a free remortgage consultation now
Think carefully about securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your remortgage or other debt secured on it.
Understanding What Lenders May Review
Before looking at an adverse credit remortgage, it is important to understand what appears on your credit file and how recent the issue is. A missed payment from several years ago may be viewed differently from recent mortgage arrears or an unsettled CCJ.
Lenders may look at the type of credit issue, the amount involved, whether it has been satisfied, and how you have managed your current mortgage. They will also assess your income, regular commitments, property value, and loan-to-value before deciding whether the remortgage is affordable.
Your current mortgage conduct is especially important because the application is based on an existing home loan. If your mortgage payments have been maintained, this may help show that the current arrangement has been managed, although it does not guarantee acceptance.
Important: An adverse credit remortgage can be affected by the severity, timing, and status of credit issues. Rates and lender choice may be different from a standard remortgage.
Support for Complex Cases
Adverse credit can make remortgaging feel stressful, especially if you are worried that a lender will only see the problem and not the wider picture. We help review the details carefully so the situation can be understood before lender options are considered.
We can look at the type of credit issue, when it happened, whether it has been resolved, and how it may affect lender criteria. Where appropriate, we may approach lenders who consider more complex credit histories.
We aim to give clear guidance, not unrealistic promises. If remortgaging is not suitable at the moment, we can explain why and help you understand what you may need to improve before looking again.
When It May Be Better to Pause and Review
This information offers general guidance and may not apply to every remortgage situation.
May suit:
- Homeowners with past missed payments, defaults, CCJs, or other credit issues.
- Borrowers whose current mortgage deal is ending, but who are worried about their credit history.
- People with settled or older adverse credit who want to review remortgage options.
- Homeowners who need help understanding how specialist lender criteria may apply.
May not suit:
- Borrowers with very recent or ongoing severe mortgage arrears.
- Anyone whose income does not support the proposed remortgage payments.
- Homeowners with limited equity, where lender options may be restricted.
- Anyone who needs urgent debt advice before considering a secured borrowing option.
Book a free remortgage consultation now
Think carefully about securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your remortgage or other debt secured on it.
Frequently Asked Questions
What counts as adverse credit for a remortgage?
Adverse credit can include missed payments, defaults, CCJs, arrears, debt arrangements, bankruptcy history, or other issues shown on your credit file.
Can I remortgage after missed mortgage payments?
Missed mortgage payments can make remortgaging more difficult, especially if they are recent. Lenders will look closely at current mortgage conduct and affordability.
Will adverse credit mean higher remortgage rates?
It can do. Rates may be affected by credit history, loan-to-value, income, product availability, and the lender’s view of risk.
Should I wait before remortgaging with adverse credit?
In some cases, waiting may improve options, especially if credit issues become older or are settled. This depends on your current mortgage, costs, and circumstances.
Can a high-street lender accept adverse credit?
Some high-street lenders may consider minor or older issues, but more complex adverse credit may require specialist lender consideration.
What Our Clients Say
These are individual client experiences. Past performance is not a guarantee of future results. Your outcome may differ depending on your circumstances.
Last Updated 10/06/26