BAD CREDIT REMORTGAGE

Getting a remortgage can be difficult when you have a bad credit rating, county court judgements (CCJs), payment defaults, mortgage arrears, bankruptcy or no credit history on your record– but we may be able to help. Our mortgage advisers have a great deal of experience in getting suitable remortgages with bad credit and all remortgage enquiries are considered on a case-by-case basis.

We work closely with the major providers to bring you the right deal

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Your home may be repossessed if you do not keep up repayments on your mortgage.

Bad credit remortgages

We have access to a large number of specialised lenders who offer poor credit remortgages. Do not worry if you have been refused before - it is worth having a chat with our expert mortgage advisers who will consider your unique circumstances while looking for the right remortgage.

How we can help

Understand your situation: We will work with you to get the full picture of your financial situation and what you are looking to achieve.
Find the right deal: Our adviser will make a recommendation that will provide you with the right deal to help you get back in track.
Repair you credit score: Based on your circumstances, your credit score should improve within a certain time frame, typically within two years. At that point, we will review your mortgage to see if we can get you back to the high street.
Help you stay in control: We will keep working to ensure that you get the best rates possible over the life of the mortgage. Unlike other advisers, we stay appraised of your financial situation through yearly calls and look at ways to help you pay back your mortgage as efficiently as possible. We can also help with your overall financial planning, find out more by visiting www.wisefp.co.uk.

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Filling out your details will not have any effect on your credit rating.  An advisor will contact you once you've submitted your details.

Does my credit score affect my mortgage?

To help a lender assess your application, it is usual that they will use a form of scoring system to decide whether to accept your application. Speak to an adviser today to discuss your options.

How can I look to improve my credit history?

There are a number of ways that you can look to improve your credit score. Request a call back from an adviser today to discuss your options.

Can I get a mortgage with a CCJ?

Disclosing any issues to a lender does not automatically mean the application will be declined – indeed many lenders have provision for this type of business.

Speak to the experts

Mortgage Wise advisers are on hand to speak to you today. Whether you’re looking for a face-to-face appointment or a quick chat on the telephone, we are here to provide the mortgage broker advice you need for your next mortgage.

Let us handle everything

From application to liaising with lenders, solicitors and estate agents - we handle it all.
Our dedicated processing team to ensure your application is handled smoothly until the day you complete.

We provide a lifetime service

We’ve built our reputation on long lasting relationships with our clients. You will recieve regular contact from us beyond your initial application. When it’s time to remortgage, we will be in touch to discuss your options. Let Mortgage Wise take the hassle out of managing your mortgage.

The right mortgage for you in just three steps!

Compare the market

Call us or send an enquiry to get the ball rolling.

Complete your application

Our experts will handle all of the admin.

Let us do the hard work

We will chase everything for you and keep you updated until completion.

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Speak to our expert advisers today for assistance

We’ve built our reputation on long lasting relationships with our clients. You will recieve regular contact from us beyond your initial application. When it’s time to remortgage, we will be in touch to discuss your options. Let Mortgage Wise take the hassle out of managing your mortgage.

*Our lines are open Monday to Friday, between 9:00 am and 7:30 pm.