Bad Credit Remortgage in Maidstone — Specialist Help Available
Maidstone 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 Maidstone 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
Instant readiness score out of 100 in 60 seconds. No credit check, no obligation.
🎯 Get My Free Score →❓ Common Questions
Will I have to pay an early repayment charge to remortgage?
Only if you're still within the fixed or discounted period of your current deal — it's worth checking your mortgage offer or asking your current lender before you commit to switching.
Does self-employment make a bad credit remortgage harder?
It adds an extra layer of underwriting — usually 1-2 years of accounts or tax calculations — but it doesn't rule you out. Specialist lenders regularly assess self-employed applicants alongside adverse credit.
What LTV do I need for a bad credit remortgage?
The lower your loan-to-value, the more lenders are willing to overlook adverse credit. A 50% LTV remortgage is generally far more achievable than a 90% LTV one with the same credit profile.
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.
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.
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.