Your fixed rate is ending and you have bad credit. Don't default to the SVR — specialist lenders offer remortgage deals even with adverse credit history.
The SVR trap: When your fixed rate ends, if you don't remortgage you move to your lender's Standard Variable Rate — typically 7-9% in 2026. On a £200,000 mortgage that's £300-400/month more than a specialist fixed rate. Bad credit does not mean you must accept the SVR.
For remortgage applications with adverse credit, your loan-to-value ratio matters more than almost any other factor. The more equity you have built up, the better the rates available and the more lenders will consider you. A borrower with 40% equity and recent CCJs has significantly better options than one with 10% equity and identical credit history.
Indicative ranges, June 2026. Subject to individual circumstances and lender criteria.
Contact Darryl at least 6 months before your current deal ends. This gives time to identify the right lender, package the application and have a mortgage offer in place before your fixed rate expires. Leaving it to the last month risks a gap where you sit on the SVR.
If you have already moved to SVR, act now — specialist lenders can typically turn applications around in 3-4 weeks. Every month on SVR costs you money that could be saved.
This is more common than people realise. Your current lender is under no obligation to offer you a new deal. A specialist broker can approach other lenders who will consider your application based on your current equity position and credit profile.
Yes — additional borrowing as part of a remortgage is possible with adverse credit. The total loan must remain affordable and within specialist lender LTV limits. Darryl assesses whether the additional borrowing is viable before any application.
Your credit score affects which lenders will consider you and at what rates. Your income and existing equity determine the maximum loan. Darryl calculates both figures at the outset so you know exactly what is achievable.
Missed mortgage payments are the most serious adverse credit issue for remortgage applications. However, if payments are now up to date and the missed payments are over 12 months old, some specialist lenders will still consider your application — particularly if you have substantial equity.
CeMAP and CeRER qualified independent mortgage broker. FCA regulated — No. 301173. Based in Bedford, serving clients across the UK since 2015. Specialises in adverse credit, complex income and specialist mortgage cases. Every client works directly with Darryl — no handoffs, no call centres.
Your home may be repossessed if you do not keep up repayments on your mortgage. Darryl Dhoffer is an appointed representative of Access Financial Services Ltd, authorised and regulated by the Financial Conduct Authority — FCA No. 301173. Registered England No. 04427489. General information only — not regulated financial advice.
Free, no-obligation call. No credit check. Darryl responds personally within 2 hours Mon–Fri 9am–6pm.