Remortgaging with bad credit

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Can I remortgage with bad credit?

Yes, you can. The main issue with remortgaging with bad credit is you might not be able to get the most competitive interest rates. Lenders might want to charge a higher interest rate to offset what they see as the ‘risk’ your credit score creates.

So even though having bad credit can make it less smooth for you, you shouldn’t be rejected – it’s just a case of finding the right lender.

Our calculators

Bad Credit Calculator

See how bad credit issues affect how much you can borrow on a mortgage by using our bad credit calculator.

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Why should I remortgage my property?

How long does it take to remortgage?

Can I remortgage if I’m currently on a fixed-rate deal?

How does bad credit affect remortgaging?

Can I remortgage to pay off my debts?

Will all lenders let me remortgage if I have poor credit?

Should I improve my credit score before remortgaging my property?

How can I improve my credit score before I remortgage?

Will my mortgage rate be higher because of my bad credit?

Can I afford to remortgage my home?

How do different bad credit issues affect remortgaging?

Why use Haysto?

We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.

Read our story

We help when others won’t

Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.


Speak to a real person

No robots, no automated answers. We use technology to connect you to a real person. Not replace them.


Your success is our success

Our platform connects you to the perfect specialist broker for free. We only get paid when your mortgage is approved.


Using our platform guarantees you’ll be matched with an expert who has a proven track record of making mortgages possible for people like you. Less processing, more understanding.

Image of mortgage broker Ben Patten

Ben Patten

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Image of mortgage broker Luke Grosse

Luke Grosse

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Image of mortgage broker Sarah Earnshaw

Sarah Earnshaw

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Image of mortgage broker Yogesh Parekh

Yogesh Parekh

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Image of mortgage broker Jemma Talliss

Jemma Talliss

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Image of mortgage broker Paul Clark

Paul Clark

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Image of mortgage broker Lynn Cutts

Lynn Cutts

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Image of mortgage broker Steve Hatton

Steve Hatton

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Image of mortgage broker Jeanette Clark

Jeanette Clark

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Image of mortgage broker Carrie Knight

Carrie Knight

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Image of mortgage broker Jonathan Hunting

Jonathan Hunting

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Get connected to a specialist bad credit remortgage broker who can make a mortgage possible for you.

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