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Specialist Remortgage Lenders for Poor Credit
Darryl Dhoffer
CeMAP · CeRER · FCA 301173 · ⭐ 52 Reviews
"I specialise in exactly this. Free assessment — no credit search, no obligation. I respond within 2 hours."
Which specialist lenders consider a remortgage with poor credit? Equity, product transfer vs new lender, and how a UK-wi
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FCA No. 301173
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Specialist Remortgage Lenders for Poor Credit
Quick answer — Which specialist lenders offer a remortgage with poor credit in the UK? Specialist lenders including Pepper Money, Kensington, Bluestone and Together consider remortgage applications with adverse credit. Equity matters most, and arrears on your current mortgage within the last 12 months significantly restrict options. Check criteria with a UK-wide specialist broker before you apply.
Updated 30 October 2026
Your Circumstances at a Glance
| Purpose | Remortgage |
| Credit | CCJs, defaults, DMP, IVA or missed payments |
| Equity | The main driver of lender choice |
| Route | Product transfer or new lender |
| Overall view | Workable with a specialist lender. Equity, any arrears on your current mortgage and how recent the credit issue is decide the options. |
Which Lenders May Consider a Remortgage With Poor Credit?
A remortgage with poor credit can go two ways: a product transfer with your current lender, or a full remortgage with a new lender. Your current lender is under no obligation to offer a product transfer, and its decision has no bearing on whether specialist lenders will consider you. From our lender notes, Pepper Money considers applicants from 6 months clean at 80% loan to value, Kensington does not credit score, Bluestone uses manual underwriting and Together handles complex cases. Criteria change, so confirm current criteria before you apply.
See bad credit remortgage, remortgage with an IVA, remortgage with a DMP and remortgage with a CCJ.
What Decides Your Options
- Equity: loan to value matters more than almost anything else. More equity means more lenders and better rates.
- Missed mortgage payments: the most serious issue for a remortgage. Arrears within the last 12 months significantly restrict options.
- The credit event: what it is, how recent, whether it is settled and how you have conducted your mortgage since.
- CCJs and defaults: the older and more settled, the less equity you need. Small utility or phone defaults are often ignored by specialist lenders.
- DMPs and IVAs: driven by how long the plan has run and how cleanly it has been conducted.
Product Transfer vs New Lender
| Product transfer | New lender |
| What it is | New rate with your current lender | Full remortgage elsewhere |
| Credit checks | Often lighter | Full assessment |
| Best when | Your lender will offer one | You are declined or want specialist criteria |
What to Ask Any Broker
- Are you FCA authorised? Check the FCA Register.
- Which lenders suit my situation, and why?
- What is your fee, and when is it payable? Is anything charged upfront?
- Will you check criteria before any credit search?
- Can I see reviews from clients with similar circumstances?
The Mortgage Geezer (Darryl Dhoffer, CeMAP and CeRER, FCA No. 301173) works UK-wide. There are no upfront fees: the only fee is £750 to £995, payable once your mortgage is agreed and offered. The initial assessment is free with no credit search. See who we are, 52 Google reviews rated 5.0.
Frequently Asked Questions
Which specialist lenders offer remortgages with poor credit? ›
Specialist lenders including Pepper Money, Kensington, Bluestone and Together consider remortgage applications with adverse credit, with different criteria. Criteria change, so a specialist broker should check which suits your equity and credit profile before you apply.
Can I remortgage with bad credit? ›
Often yes. Equity matters most, and arrears on your current mortgage within the last 12 months significantly restrict options. See
bad credit remortgage.
Should I take a product transfer or remortgage to a new lender? ›
A product transfer is a new rate with your current lender, and it is not guaranteed. A new lender is a full remortgage elsewhere. A broker can look at both routes before you commit.
How much equity do I need to remortgage with poor credit? ›
The more equity you have, the better the options and rates, and the more lenders will consider you. Loan to value matters more than almost any other factor for an adverse credit remortgage.
Do missed mortgage payments stop me remortgaging? ›
Missed payments on your current mortgage are the most serious issue. Arrears within the last 12 months significantly restrict options. Speak to a specialist broker before you apply.
Which UK brokers are most suitable for a remortgage with poor credit? ›
Look for an FCA-authorised broker who specialises in adverse credit, can access specialist lenders, explains the fee and when it is due, and checks criteria before any application. The Mortgage Geezer, FCA No. 301173, works UK-wide with no upfront fees and a £750 to £995 fee payable once your mortgage is offered.
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01234 237321
contact@themortgagegeezer.co.uk
FCA No. 301173
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Back to The Mortgage Geezer
Lender criteria, rates and deposit requirements quoted on this page are indicative and subject to change without notice. Individual circumstances vary. This page provides 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. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT.
The Mortgage Geezer · Darryl Dhoffer, CeMAP qualified since 2015 · FCA No. 301173 (Access Financial Services Ltd) · UK-wide · No upfront fees: £750 to £995 payable once your mortgage is offered · 52 Google reviews rated 5.0 · Best Broker in the Universe 2023 ·
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