Your fixed rate is ending. You have adverse credit. Don't accept the SVR — specialist lenders remortgage borrowers with bad credit, often at rates far below the Standard Variable Rate.
When your fixed rate ends, your mortgage automatically moves to your lender's Standard Variable Rate unless you remortgage. In June 2026, SVRs typically sit at 7-9%. Even a specialist adverse credit remortgage at 6-7% saves hundreds of pounds per month. The worst decision is to do nothing.
Indicative ranges, June 2026. Subject to individual circumstances and lender criteria.
Darryl reviews your current mortgage, your equity position, your credit profile and your income. He identifies which specialist lenders will consider your application and at what rates. He packages the application with full context notes to give your case the strongest possible presentation to the underwriter. He monitors your case through to mortgage offer.
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.
Yes. Your existing lender's decision has no bearing on whether specialist lenders will accept your remortgage application. Specialist lenders assess on current circumstances, equity and credit profile — not on your existing lender's decision.
Yes if there is sufficient equity and the total borrowing remains affordable. Specialist lenders will consider remortgage plus equity release for borrowers with adverse credit. Darryl advises on the maximum available and the appropriate lender.
Mortgage arrears within the last 12 months significantly restrict options. If arrears are over 12 months ago and now resolved, some specialist lenders will consider your application — particularly if equity is strong. Darryl assesses the specific timing and advises on feasibility.
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.