Remortgaging with bad credit

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Can I remortgage with bad credit?

Yes, you can remortgage with bad credit! You just might need a bit more help getting the right mortgage compared to someone with a better credit score. 

Most mortgage lenders and banks will look at your remortgage application in the same way they would if you were applying for the first time. Many high street lenders will look at a bad credit score as an indicator that you’re not great with credit and might decide they don’t want to take the risk. But it’s a big misconception that if you try to remortgage with bad credit then it’s an automatic ‘no’. This isn’t the case.

There are plenty of specialist lenders who’ll look at your mortgage application in detail, rather than automatically reject you based on your credit score. The specialist mortgage market isn’t well known because often specialist lenders aren’t available directly to borrowers. They don’t advertise because they’re only available through specialist mortgage brokers who can help people that have a complex situation. 

If you have a low credit score, it’s a good idea to work with a specialist mortgage broker because they have access to specialist mortgage lenders - the ones with the better deals for people like you. Get in touch if you need a specialist mortgage broker.

Got questions?

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

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.

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Ben Patten

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Image of mortgage broker Luke Grosse

Luke Grosse

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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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Lynn Cutts

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Steve Hatton

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Jeanette Clark

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Carrie Knight

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Jonathan Hunting

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Our Guides

Applying for a mortgage or understanding your options shouldn't be confusing, yet there are just so many myths doing the rounds and it's not easy to know where to turn to get the right advice.

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

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