0800 197 0504

0800 197 0504

Remortgages with bad credit

TrustScore 4.8 | 217 reviews

We’ve helped 1000s of customers remortgage with bad credit to be able to achieve cheaper mortgage payments

Bad credit can be seen as a barrier when trying to get a remortgage. Clever Mortgages don’t see it this way and specialise in helping those with bad credit secure a mortgage whether you are looking at buying a house or remortgaging.

A bad credit history can be problematic when you’re looking to remortgage. If you’re eager to switch to a better deal and your credit rating is letting you down, we may be able to help. The brokers at Clever Mortgages are experienced in helping people just like you remortgage with bad credit.

  • Even with a registered CCJ, Default, Missed Payment, DMP, IVA
  • Many lenders will still loan to people with bad / poor credit
  • Remortgages
  • Declined a mortgage

Case Study

We saved Mr H and Mrs H, almost £500 per month.

Mr H had finished an IVA but Mrs H was still in her DMP, they also had 3 other debts and wanted to consolidate all into one mortgage payment.  Combining both mortgage and secured loan would overall bring the interest rate down.

We managed to find the couple a low fixed rate of 2.10% which makes a real impact to what was the combined monthly repayments of £1,583 (mortgage £490, secured loan, £436, other debts, £657), lowering them to £1,098 – meaning they are making an impressive saving of £485 a month

 BalancePaymentRate
Previous Mortgage£61,000£4901.25%
Previous Secured Loan£43,000£43610%
Previous Unsecured debts £44,320£657
New Mortgage£150,000£1097.672.10%

No obligation advice on Bad Credit remortgages

Why use a mortgage broker?

Most of our customers have had some form of credit difficulties, from low credit score, missed payments or declined a mortgage elsewhere.

Watch our video on the mortgage application process

There are many reasons why you may want to consider a remortgage, even if you have bad credit.  You may just need a better interest rate, which could save you money each month or give you security of payment.  Perhaps you wish to raise additional funds to consolidate debts or make improvements to your home.

Whatever your need, we have access to a wide range of products and could help to secure you finance no matter what your circumstances.

6 Great reasons to choose Clever Mortgages

Specialists in bad credit

Every member of our team is trained in bad credit situations and know how to find the right solutions for customers – helping them get the mortgage that’ll get them back on track.

Over 100 lenders

The number and quality of lenders we work with means we have access to a diverse spectrum of best-rate deals. The lenders we use means we have all areas covered – even for those in particularly niche circumstances.

Not every case is the same

As each customer’s situation is unique, we take the time to understand your situation, and we carefully assess your goals and how we’ll make sure the mortgage we get helps you to achieve them.

Access To Exclusive Rates

The relationship we have with our lenders means we have access to products and deals that simply aren’t available to customers going direct. This is true particularly for those in adverse credit situations.

Offering the best support

We know that buying or moving house and getting a mortgage is stressful, so we do our upmost to make the process as hassle-free as possible. We’re there for you at every step, always keeping you in the loop.

Excellent Reviews

We’re proud of our long-standing 5 Star Rating on Trust Pilot, and love all the positive feedback we get from customers every day. We feel privileged to help people get a great deal with far less stress.

About Clever Mortgages

We specialise in assessing an individual’s situation, and finding the right mortgage solution for them. We can help:

  • With remortgages, buy-to-let, and first-time buyers mortgages. We have experts who cover these areas
  • Even if you’ve got bad credit – we help people every day with a variety of credit histories to find the right mortgage
  • With applications, as we’ll take the hassle away. We require your details once and we’ll know the best lenders for your circumstance
  • Our team know the lenders that are most likely to say ‘yes’, and give you the best rates

What should I do next?

  • You enquire online with us today or request a call back
    Our simple form takes a couple of minutes to fill in, this gets the ball rolling
  • One of our experts will give you a call to find out more about your situation
    We have experts in remortgaging, who focus solely on helping customers save money
  • We do all the hard work for you
    We search the market for the trusted lender that’s right for you
  • Our expert will get back in touch
    We can guide you every step of the way, and we’ll always keep you up-to-date with progress

Speak to a broker

Laura Connor

Laura is a specialist mortgage broker, whose been working for Clever Mortgages for 7 years and has over 13 years experience in Financial Services.

Call us on: 0800 197 0504

Below are some of the lenders we work with