Compare Remortgages With Bad Credit

Find a bad credit remortgage that may still be available if you have poor credit. The deals in this comparison are designed for homeowners with a bad credit history looking for a better rate deal.

45 results found, sorted by affiliated products by lowest initial rate. How we order our comparisons. Commission earned affects the table's sort order.
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MBS Lending Ltd 2 year discount
Maximum LTV
70%
Initial rate
2.99% for 2 years (3.01% discount on SVR)
Subsequent rate (SVR)
6.0% variable
Overall cost for comparison
5.8% APRC
Available via brokers only.
More information
Application fee£150 paid upfront (non-refundable)
Arrangement feeNo fee
Booking feeNo fee
Completion fee£995 with an option to add to the loan
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first year

- 1.00% of amount paid, in the second year

Other fees may apply.

Eligibility
Arrears Permitted
Available in England
Available in Wales
Broker Only
Max age at term end80 years
Minimum Age18 years
Minimum Income£10,000
Number of CCJSUnlimited
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Loughborough 3 year discount
Maximum LTV
70%
Initial rate
3.29% for 3 years (2.05% discount on SVR)
Subsequent rate (SVR)
5.34% variable
Overall cost for comparison
4.9% APRC
Available via brokers only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the original loan, in the first year

- 2.00% of the original loan, between 12 and 36 months

Other fees may apply.

Eligibility
Arrears Permitted
Available in England
Available in Wales
Broker Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Number of CCJS3
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Loughborough 2 year discount
Maximum LTV
60%
Initial rate
3.39% for 2 years (1.95% discount on SVR)
Subsequent rate (SVR)
5.34% variable
Overall cost for comparison
5.2% APRC
Available via brokers only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of the original loan, in the first two years

Other fees may apply.

Eligibility
Arrears Permitted
Available in England
Available in Wales
Broker Only
Max age at term end80 years
Minimum Age18 years
Number of CCJS3
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Mansfield 2 year discount remortgage
Maximum LTV
80%
Initial rate
3.39% for 2 years (1.96% discount on SVR)
Subsequent rate (SVR)
5.35% variable
Overall cost for comparison
5.3% APRC
Available via brokers only.
More information
Application fee£199 paid upfront (non-refundable)
Arrangement feeNo fee
Booking feeNo fee
Completion fee£999 with an option to add to the loan
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of the original loan, in the first two years

Other fees may apply.

Eligibility
Arrears Permitted
Available in England
Available in Scotland
Available in Wales
Broker Only
Max age at term end85 years
Minimum Age18 years
Number of CCJS1
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Mansfield 2 year discount remortgage
Maximum LTV
80%
Initial rate
3.39% for 2 years (1.96% discount on SVR)
Subsequent rate (SVR)
5.35% variable
Overall cost for comparison
5.3% APRC
Available via brokers only. Area restrictions may apply.
More information
Application fee£199 paid upfront (non-refundable)
Arrangement feeNo fee
Booking feeNo fee
Completion fee£999 with an option to add to the loan
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of the original loan, in the first two years

Other fees may apply.

Eligibility
Arrears Permitted
Available in England
Broker Only
Max age at term end85 years
Minimum Age18 years
Number of CCJS1
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Darlington Building Society 2 year discount
Maximum LTV
80%
Initial rate
3.49% until 28 Feb 2024 (1.81% discount on SVR)
Subsequent rate (SVR)
5.3% variable
Overall cost for comparison
5.1% APRC
Area restrictions may apply.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,099 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 28 Feb 2023

- then 1.00% of amount paid, until 28 Feb 2024

Other fees may apply.

Eligibility
Arrears Permitted
Available Direct
Available in England
First Time Buyers
Minimum Age18 years
Number of CCJSUnlimited
Permanent UK Resident
Remortgage Available
Self Employed Acceptedfalse
Darlington Building Society 2 year discount
Maximum LTV
80%
Initial rate
3.49% until 28 Feb 2024 (1.81% discount on SVR)
Subsequent rate (SVR)
5.3% variable
Overall cost for comparison
5.1% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,099 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 28 Feb 2023

- then 1.00% of amount paid, until 28 Feb 2024

Other fees may apply.

Eligibility
Arrears Permitted
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers
Minimum Age18 years
Number of CCJSUnlimited
Permanent UK Resident
Remortgage Available
Self Employed Acceptedfalse
Loughborough 2 year fixed
Maximum LTV
70%
Initial rate
3.49% fixed for 2 years
Subsequent rate (SVR)
5.34% variable
Overall cost for comparison
5.1% APRC
Available via brokers only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of the original loan, in the first two years

Other fees may apply.

Eligibility
Arrears Permitted
Available in England
Available in Wales
Broker Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Number of CCJS3
Permanent UK Resident
Remortgage Available
Self Employed Accepted
MBS Lending Ltd 2 year fixed
Maximum LTV
70%
Initial rate
3.49% fixed until 31 Jan 2024
Subsequent rate (SVR)
6.0% variable
Overall cost for comparison
5.8% APRC
Available via brokers only.
More information
Application fee£150 paid upfront (non-refundable)
Arrangement feeNo fee
Booking feeNo fee
Completion fee£995 with an option to add to the loan
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 31 Jan 2023

- then 1.00% of amount paid, until 31 Jan 2024

Other fees may apply.

Eligibility
Arrears Permitted
Available in England
Available in Wales
Broker Only
Max age at term end80 years
Minimum Age18 years
Minimum Income£10,000
Number of CCJSUnlimited
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Hanley Economic Building Society term discount shared ownership
Maximum LTV
70%
Initial rate
3.59% for mortgage term (1.2% discount on SVR)
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.6% APRC
Available in branch only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first two years

Other fees may apply.

Eligibility
Arrears Permitted
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Number of CCJS5
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Mansfield 2 year discount remortgage
Maximum LTV
80%
Initial rate
3.59% for 2 years (1.76% discount on SVR)
Subsequent rate (SVR)
5.35% variable
Overall cost for comparison
5.3% APRC
Available via brokers only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£999 with an option to add to the loan
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of the original loan, in the first two years

Other fees may apply.

Eligibility
Arrears Permitted
Available in England
Available in Scotland
Available in Wales
Broker Only
Max age at term end85 years
Minimum Age18 years
Number of CCJS1
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Mansfield 2 year discount remortgage
Maximum LTV
80%
Initial rate
3.59% for 2 years (1.76% discount on SVR)
Subsequent rate (SVR)
5.35% variable
Overall cost for comparison
5.3% APRC
Available via brokers only. Area restrictions may apply.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£999 with an option to add to the loan
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of the original loan, in the first two years

Other fees may apply.

Eligibility
Arrears Permitted
Available in England
Broker Only
Max age at term end85 years
Minimum Age18 years
Number of CCJS1
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Buckinghamshire Building Society 3 year discount
Maximum LTV
60%
Initial rate
3.74% for 3 years (1% discount on SVR)
Subsequent rate (SVR)
4.74% variable
Overall cost for comparison
4.6% APRC
Available via brokers only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.50% of amount paid, in the first year

- 1.00% of amount paid, in the second year

- 0.50% of amount paid, in the third year

Other fees may apply.

Eligibility
Arrears Permitted
Available in England
Available in Wales
Broker Only
Minimum Age18 years
Number of CCJSUnlimited
Permanent UK Resident
Remortgage Available
Self Employed Acceptedfalse
Penrith Building Society 3 year discount
Maximum LTV
85%
Initial rate
3.75% for 3 years (1% discount on SVR)
Subsequent rate (SVR)
4.75% variable
Overall cost for comparison
4.7% APRC
More information
Application fee£299 paid upfront (non-refundable)
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first three years

Other fees may apply.

Eligibility
Arrears Permitted
Available Direct
Available in England
Available in Wales
First Time Buyers
Minimum Age18 years
Number of CCJSUnlimited
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Metro Bank 2 year fixed
Maximum LTV
70%
Initial rate
3.79% fixed for 2 years
Subsequent rate (SVR)
3.6% variable
Overall cost for comparison
3.7% APRC
Available in branch only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first year

- 1.00% of amount paid, in the second year

Other fees may apply.

Eligibility
Arrears Permitted
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Number of CCJSUnlimited
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Metro Bank 2 year fixed cashback remortgage
Maximum LTV
70%
Initial rate
3.79% fixed for 2 years
Subsequent rate (SVR)
3.6% variable
Overall cost for comparison
3.7% APRC
Available in branch only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first year

- 1.00% of amount paid, in the second year

Other fees may apply.

Eligibility
Arrears Permitted
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Number of CCJSUnlimited
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Metro Bank 5 year fixed
Maximum LTV
70%
Initial rate
3.79% fixed for 5 years
Subsequent rate (SVR)
3.6% variable
Overall cost for comparison
3.7% APRC
Available in branch only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, in the first year

- 4.00% of amount paid, in the second year

- 3.00% of amount paid, in the third year

- 2.00% of amount paid, in the fourth year

- 1.00% of amount paid, in the fifth year

Other fees may apply.

Eligibility
Arrears Permitted
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Number of CCJSUnlimited
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Metro Bank 5 year fixed cashback remortgage
Maximum LTV
70%
Initial rate
3.79% fixed for 5 years
Subsequent rate (SVR)
3.6% variable
Overall cost for comparison
3.7% APRC
Available in branch only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, in the first year

- 4.00% of amount paid, in the second year

- 3.00% of amount paid, in the third year

- 2.00% of amount paid, in the fourth year

- 1.00% of amount paid, in the fifth year

Other fees may apply.

Eligibility
Arrears Permitted
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Number of CCJSUnlimited
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
MBS Lending Ltd 2 year discount
Maximum LTV
70%
Initial rate
3.99% for 2 years (2.01% discount on SVR)
Subsequent rate (SVR)
6.0% variable
Overall cost for comparison
6.0% APRC
Available via brokers only.
More information
Application fee£150 paid upfront (non-refundable)
Arrangement feeNo fee
Booking feeNo fee
Completion fee£995 with an option to add to the loan
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 31 Jan 2023

- then 1.00% of amount paid, until 31 Jan 2024

Other fees may apply.

Eligibility
Arrears Permitted
Available in England
Available in Wales
Broker Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Minimum Income£10,000
Number of CCJSUnlimited
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Mansfield 2 year discount remortgage
Maximum LTV
75%
Initial rate
3.99% for 2 years (1.36% discount on SVR)
Subsequent rate (SVR)
5.35% variable
Overall cost for comparison
5.4% APRC
Available via brokers only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£999 with an option to add to the loan
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of the original loan, in the first two years

Other fees may apply.

Eligibility
Arrears Permitted
Available in England
Available in Scotland
Available in Wales
Broker Only
Max age at term end85 years
Minimum Age18 years
Number of CCJS1
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Mansfield 2 year discount remortgage
Maximum LTV
75%
Initial rate
3.99% for 2 years (1.36% discount on SVR)
Subsequent rate (SVR)
5.35% variable
Overall cost for comparison
5.4% APRC
Available via brokers only. Area restrictions may apply.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£999 with an option to add to the loan
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of the original loan, in the first two years

Other fees may apply.

Eligibility
Arrears Permitted
Available in England
Broker Only
Max age at term end85 years
Minimum Age18 years
Number of CCJS1
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Metro Bank 2 year fixed
Maximum LTV
75%
Initial rate
3.99% fixed for 2 years
Subsequent rate (SVR)
3.6% variable
Overall cost for comparison
3.7% APRC
Available in branch only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first year

- 1.00% of amount paid, in the second year

Other fees may apply.

Eligibility
Arrears Permitted
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Number of CCJSUnlimited
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Metro Bank 2 year fixed cashback remortgage
Maximum LTV
75%
Initial rate
3.99% fixed for 2 years
Subsequent rate (SVR)
3.6% variable
Overall cost for comparison
3.7% APRC
Available in branch only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first year

- 1.00% of amount paid, in the second year

Other fees may apply.

Eligibility
Arrears Permitted
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Number of CCJSUnlimited
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Metro Bank 5 year fixed
Maximum LTV
75%
Initial rate
3.99% fixed for 5 years
Subsequent rate (SVR)
3.6% variable
Overall cost for comparison
3.8% APRC
Available in branch only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, in the first year

- 4.00% of amount paid, in the second year

- 3.00% of amount paid, in the third year

- 2.00% of amount paid, in the fourth year

- 1.00% of amount paid, in the fifth year

Other fees may apply.

Eligibility
Arrears Permitted
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Number of CCJSUnlimited
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Metro Bank 5 year fixed cashback remortgage
Maximum LTV
75%
Initial rate
3.99% fixed for 5 years
Subsequent rate (SVR)
3.6% variable
Overall cost for comparison
3.8% APRC
Available in branch only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, in the first year

- 4.00% of amount paid, in the second year

- 3.00% of amount paid, in the third year

- 2.00% of amount paid, in the fourth year

- 1.00% of amount paid, in the fifth year

Other fees may apply.

Eligibility
Arrears Permitted
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Number of CCJSUnlimited
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Overall representative example

Based on borrowing£170,000 over 25 yearsThe overall cost of comparison3.68% APRC representative
Initial rate2.17% fixed for 2 years (24 instalments of £723.54pm)Subsequent rate (SVR)3.90% variable for the remaining 23 years (276 instalments of £877.63pm)
Lender fee£544Total amount payable£260,133.79

Can you get a remortgage with bad credit?

A bad credit remortgage works like a standard mortgage, but you'll pay higher interest rates and charges. You can choose from fixed, variable and discounted rates.

If you want to switch mortgages but have a bad credit history, you could find a remortgage deal by using this comparison. You can also improve your credit rating by:

  • Building your credit rating, e.g. with a credit building card

  • Repaying loans, mortgages or credit cards on time

  • Staying within your credit card and overdraft limits

  • Making sure your address is up to date

  • Registering to vote so you are on the electoral role

Alternatively, speak to a mortgage broker who could help you find a bad credit remortgage deal in your area.

If you want to change mortgages but are tied into an existing deal, e.g. one year into a 3-year fixed rate deal, you could face charges. Check with your lender before you decide.

Find out more on remortgages here

What are your options if you have adverse credit?

The first thing you should do is check your credit record so you can see if there is anything you can do to improve your credit.

If your credit is not as bad as you originally thought, you could compare from a wider range of remortgage deals.

However, if your record shows you have poor credit, your options are:

  • Stay on your lender's variable rate: You do not get credit checked, but it may leave you on a higher rate than you could get by remortgaging.

  • Remortgage with your existing lender: If you have never missed or been late with a mortgage payment, your lender may let you switch to a better deal.

  • Remortgage with a new lender: Only apply for a mortgage deal that considers bad credit applicants, or your chance of rejection increases.

If you apply for a new mortgage deal but the lender rejects your application due to bad credit, you can stay on your existing lender's variable rate.

Remortgage with bad credit FAQs

About our bad credit remortgage comparison

Last updated: 11 October, 2021

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