Best Bad Credit Remortgages 2026

Find out about new lenders from May 2026 offering lower rates and generous loan-to-value ratios for bad-credit remortgages. Some lenders are not available on comparison websites.

Benefits Of Remortgages For Poor Credit

• Bad Credit Remortgage interest rate at 4.56% variable
• Adverse Credit, Sub Prime, Default, IVA, CCJ
• Throughout 2026 – 5 new lenders for bad credit remortgage products not featured on the usual mortgage broker panels
• 1st UK Mortgages have lenders that offer rates only slightly higher than the big prime banks, even if you have bad credit
• 1st UK Mortgages have lenders not available on the “far from impartial” comparison websites
• Loan To Value Ratio of up to 90%
• Some 1st UK Mortgages lenders have a tolerance of previous mortgage arrears

Poor Credit History? CCJs Defaults? Arrears? We Can Help! Quick Quote Form

Further Benefits Of 1st UK Mortgages Best Remortgages With Bad Credit History:

• Friendly, impartial and professional service
• We push your application with lenders making sure it doesn’t slow down or stop
• Our through fact find process ensures minimal risk of you being rejected by the lender at the last minute
• We have spent over 11 years building rapport with lenders and their underwriting teams, while improving our internal processes

1st UK has built Relationships With Lenders That Understand People’s Needs

If (like many people) you’ve logged into a free service such as ClearScore or Noddle and discovered some credit problems, you’d be right to conclude that your high street bank might not be the best place for a bad-credit remortgage.

However, 1st UK Mortgages works with specialist remortgage lenders that will consider lending to people with past or current credit issues. Some lenders offer rates and terms not far from those of the big banks.

Interested In Remortgage Deals For Bad Credit? Other Benefits To Consider:

• Can be used to consolidate debt
• Borrow more money for things like home improvements or holidays
• Lower the existing LTV of your current mortgage
• Peace of mind that comes with fixing your repayment for a set period.

Reasons To Partner With 1^st UK As Your Adverse Credit Broker

Mortgages are financial products with some strict criteria, so comparisons are often difficult or impossible. You may meet the requirements of four or five lenders but miss the requirements of others. You may also prefer a fixed rate over a variable rate or a discounted rate over a certain term.

1st UK consistently offer some of the best rates in the UK, and that’s with exceptional thanks to our very extensive panel of lenders

For further information on bad credit remortgages or to discuss your options, contact 1st UK Mortgages today. One of our advisors (adverse history specialists) will discuss your situation and, when you’re ready, guide you through the remortgage process with a suitable lender based on your unique circumstances.

Too many remortgage applications due to bad mortgage advice will also be on your credit records. On that note what affects your credit rating?

Poorly managed debts that have resulted in bankruptcy, such as County Court Judgements, will make it difficult to obtain finance.

Active DMPs (Debt Management Plans or Trust Deeds), even when the debt is being managed successfully, remain a disadvantage.

People who are financially linked to you and have a history of defaulting on financial agreements can affect your credit assessments. Your credit reports will have details about who is economically connected to you.

The Alternatives To A Remortgage For Bad Credit (UK Nationwide)

Many of the homeowners who have helped us in the past in the UK have approached us feeling trapped. Bad credit spikes interest rates, sometimes to the point of unaffordability.

Even if your credit history is trashed, there are options available. The most popular alternative is bad credit home loans/home loan companies for adverse credit. That’s if you need to, because some high-risk lenders offer large amounts of unsecured loans.

Partial high-risk lenders list:

• The Mortgage Lender
• Precise Mortgages
• Pepper
• Vida Home Loans
• Magellan Home Loans

Different lenders take on different levels of risk. The above are just some of the lenders 1st UK works with that approve bad-credit homeowner loans when the banks and building societies refuse.

Alternatives for borrowing exist regardless of your past debt history.

It can be tough to remortgage with bad credit, arrears, or even an active DMP.

There are poor-credit home loans available from a lender somewhere. The problem is finding them while avoiding the companies that exist to extract as much profit as possible.

1^st UK prides itself on having an extensive panel of expert lenders, positioning us to offer finance when they need it most.

Alternatives To Remortgaging Your Home

If you have an existing mortgage that is an excellent deal, for example:

• An interest-only mortgage that helps with your affordability
• A mortgage with an exceptionally low fixed or tracker rate
• A mortgage that was based on your circumstances before you had bad credit
• A mortgage with a longer term that today’s lenders no longer offer

You should consider avoiding re-mortgaging completely. If you cannot borrow the money you need on an unsecured basis, you should consider getting a secured loan.

Below are some of the lenders and deals that you can look at to see if they suit your needs:

• Norton Finance
• United Trust Bank
• Masthaven Bank
• Secured Debt Consolidation Loans
• Together Money
• Pepper Loanr
• 1st Stop Loans
• Paragon
• Spring
• Precise Mortgages
• Secured Loan Direct Lender Options

Poor Credit Remortgages Are Available

Remortgaging with adverse credit is doable. However, guaranteed approval isn’t something you’ll find for very bad credit remortgage loans. All you will find is that you’ll be guaranteed consideration. Not necessarily approved.

As with many things, there are no guarantees.

Ever heard the saying, there’s always someone worse off than you? That’s true. Just turn on the news or open a newspaper and you’ll see it for yourself. It seems bad, but it could be worse.

Think Carefully Before You Apply to – Consider Expert advisers.

With bad credit, there’s much more to consider than the figures you’re presented with. We recommend using a mortgage broker with expertise in subprime loans for individuals with poor credit, as they will understand how lenders operate.

Here’s why…

A standard variable-rate tracker is not typically the best option for applicants with poor credit. The reason isthat it’s linked to one of two rates:

• The Bank of England (BoE) Base Rate
• The LIBOR (London InterBank Offered Rate) Rate

These affect bank-to-bank lending. The vast majority of mainstream lenders, such as the big banks in the UK:

• Halifax
• Barclays
• HSBC
• Lifetime mortgage quote without personal information
• Santander
• Nationwide

It will offer standard variable rate and tracker products that track the Bank of England rate, which affects the interest rate you get on your mortgage.

When you’re affected by a poor credit rating, bad credit lenders specifically cater to high-risk borrowers you’d be looking to work with.

Most adverse lenders for bad credit will provide the financing you need for your homeowner loan. That means they need to borrow, and that’s often at LIBOR rates – used for bank-to-bank lending. That pushes the borrower’s interest rates higher.

As subprime products can have high interest rates, if you opt for a tracker-type deal, capped fixed-rate remortgages are available. This type of secured loan can provide you with a safeguard. Whilst the interest rate can go down and up, when it goes up, there’ll be a ceiling for which the rate can’t go.

How Adverse Credit Remortgage Lenders Work

They work the same way as any lender you’ve ever dealt with. The only real difference is that the fees, interest rates, and deposit amounts are higher. That’s because signs on your credit files indicate that you might be a risky investment.

Every remortgage with a bad credit lender has one goal in mind. That’s to make a profit. They won’t do that if they take on customers who don’t repay. To mitigate that risk, they charge higher interest rates.

There can be higher arrangement fees, but that’s not always the case, as you can also find fee-free deals for bad credit applicants. That means the lender covers the conveyancing costs and legal costs.

How Risky Are County Court Judgements & Arrears To Bad Credit Mortgage Lenders UK?

This is the part where your selection pool of potential lenders narrows. When you apply for a remortgage online with adverse credit, UK applicants are assessed for suitability. Nobody knows what the situation is for EU nationals as of 2026.

The Independent is already reporting that mortgages are being denied due to uncertainty following the triggering of Article 50 (Brexit). To be eligible for such refinance deals, UK lenders “may” want to see proof of British Citizenship.

All lenders have different appetites for risk. To figure out if they’ll extend you finance, they’ll use a point-based system to credit score you using the information recorded in your credit reports.

CCJs and secured loan arrears are considered severe by the majority of lenders. Specialist lenders, though, will score them differently, and they’ll consider when the CCJ was issued.

What about top-rated homeowner loans for people with a poor credit history?

For some people who want to release equity, a study of homeowner loans and their rates vs your existing mortgage could be helpful to save you money.

The basic unwritten rule is that a bad credit score will make your mortgage more expensive (and less competitive). Still, it will not stop you from getting a mortgage from specialist mortgage lenders through a specialist mortgage broker.