Bad Credit Remortgage in Bath — Specialist Help Available
Bath homeowners with CCJs, defaults or an IVA can still remortgage — it just usually means going through a specialist lender rather than a high-street one. Darryl Dhoffer handles the whole process remotely, so location in Bath makes no difference to the service you get.
🏦 What Lenders Look At
- Your current loan-to-value — equity built up helps
- Type and age of adverse credit
- Payment history on your current mortgage
- Current income and affordability
- Whether a product transfer with your current lender is possible
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🎯 Get My Free Score →❓ Common Questions
Fixed or tracker rate for a bad credit remortgage?
Many specialist bad-credit lenders price similarly either way, so it often comes down to how much payment certainty you want versus flexibility — Darryl can talk through the trade-offs for your situation.
Can I remortgage while I'm still in an active DMP or IVA?
It's harder than after the arrangement has ended, but some specialist lenders will still consider you, particularly at a lower loan-to-value with a clean payment record on the arrangement itself.
How long does adverse credit stay relevant to a remortgage?
Most lenders look back over the last 3-6 years, but the impact usually fades the older the event is. Waiting for a default or CCJ to age can open up more lender options, though it isn't always necessary.
Will consolidating debt into my remortgage help my credit?
It can reduce monthly outgoings and simplify your finances, but it converts short-term debt into long-term secured debt — worth modelling the full cost before deciding.
Can I remortgage in Bath with bad credit?
Yes — remortgaging with adverse credit is often more achievable than a new purchase, particularly if you have built up equity. Specialist lenders assess the loan-to-value alongside your credit history.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT.
This page is for general information only and does not constitute regulated financial advice. The Mortgage Geezer is a trading style of Access Financial Services Ltd who are authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 301173. Registered in England No. 04427489. Registered office address Access Financial Services Ltd, Unit 1 Furtho Court, Towcester Road, Old Stratford, Milton Keynes, MK19 6AN.