When you take out a mortgage, your financial circumstances can change. Financial burdens can hit and credit scores can take a turn for the worse. If you’re looking to remortgage with bad credit, it’s best to turn to the specialist mortgage brokers.
As a specialist mortgage broker, Agentis has access to more flexible mortgage lenders. As Whole of Market and independent advisors, we give our clients access to exclusive deals they won’t find anywhere else. We’re dedicated to improving your chances of securing a remortgage when you need one. Contact the team today.
Whole of Market Advice
Below are some of the lenders we deal with, however we have access to the whole of the market, including exclusive deals that you won’t be able to find yourself.
What To Expect When Applying for a Remortgage
Looking for a poor credit remortgage can seem difficult, and your choices may be more limited. But there are options.
As both mortgage and financial experts, the team at Agentis can offer constructive advice. Whether there are some quick and easy ways to boost your credit score or you need to find a lender with more flexible terms, we’ll provide the best solution and bring clarity to your finances.
We’ll always tailor our advice to suit your unique circumstances. By getting to know you and your financial outlook, we can build a supportive, trusting relationship. We’ll help you reach your goals, one step at a time.
You may have to pay an early repayment charge to your existing lender if you remortgage.
The Process
Book initial consultation – We offer flexible appointments to suit our clients. From providing virtual and face-to-face meetings to offering tailored advice, we work around you.
Talk through options and solutions – There is no one–size-fits-all solution when it comes to securing a mortgage with bad credit. That’s why our mortgage experts go further and get to know your unique circumstances. All our advice is jargon-free and will help you reach your goal of securing a remortgage.
Search the market – Your dedicated advisor will browse the market and reach out to suitable lenders. As soon as they’ve found a suitable product that matches your needs and circumstances, they’ll contact you.
Apply – If you’re happy with the mortgage, we will take control of all elements of the application ensuring a smooth process from start to finish. No fuss, just an efficient, friendly service.
Speak to the mortgage broker Peterborough team today to get your remortgage plans off the ground.
Meet The Team
Established in 2014 by Christine Long and David Mortell, Agentis offers expert mortgage advice alongside the personal touch and flexibility of a smaller, family-run business. Now with a growing team of mortgage brokers in Peterborough, they have the very best mortgage and protection experts on board to help individuals, couples and families manage their property purchases and re-mortgages.
Agentis is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.
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Frequently Asked Questions
Can you get a remortgage with really bad credit?
It’s not impossible to secure a remortgage even if you have a really bad credit score. Other factors are taken into account and can make you appear less of a risk to lenders. It may depend on the reasons behind the bad credit score and whether you or your mortgage partner have a decent income and sizable assets or savings. Your current LTV value will also be taken into account. The more you can prove that you’re able to keep up on your mortgage repayments, the better. With really bad credit, you may have limitations on the types of remortgages offered. But, Agentis can help find the most suitable deal for you.
How are bad credit mortgages different?
Bad credit mortgages often come with higher interest rates and deposits. There can also be a limit on how much you can borrow. This can also mean limitations on additional borrowing.
Are there lenders that don’t use credit scores?
There are specialist poor credit and no credit lenders that don’t require a credit score. Instead, applications are based on other factors, and you may have the option to add a guarantor. Speak to Agentis to find out more.
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