Remortgage with bad credit.

  • Joint borrower, sole proprietor allowed
  • Automated valuations accepted
  • Available for personal or business use
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Remortgaging your home when you have a low credit score

Remortgaging with bad credit can often be difficult but if you’re worried that a change in your circumstances will lead to lenders saying no, we’re here to help. Our common sense approach to lending means that we can be flexible when it comes to your income and credit status.

All of our decisions are made by people, not computers and our team are experts at separating the low credit scores from the individual. By judging each case on its merits and, most importantly, whether the sums add up, we can often lend when others can’t.

So, if you are looking to remortgage your home or you simply want to change rates to reduce your monthly payments, we won’t let a couple of missed payments or change in your employment status get in the way of remortgaging your property.

Why choose Together?

Our mortgage key facts
  • 7.99%

    Fixed rates from 7.99%
  • 10.05%

    Variable rates from 10.05%
  • LTV

    Borrow up to of the property's value

Common questions about remortgaging with low credit

Can I get a mortgage with a low credit score or adverse credit?

Yes, if you're trying to get a mortgage but have a low credit score or no credit history, you may find your options limited. But not with Together, we’ll listen to your story and look for the most suitable solution.

Mortgage Repayment Calculator

Do you want to quickly understand the potential cost of your mortgage?

We can give you an idea of the monthly costs with just a few details like the property value, your deposit amount and how long you need the loan to last.

Calculate costs

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Your home may be repossessed if you do not keep up repayments on your mortgage. All mortgages are subject to our terms and conditions.
Overall cost for comparison

For example: A mortgage of £146,000 payable over 22 years, initially on a fixed rate for 5 years at 8.65% (and then on a tracker rate for the remaining 17 years at 1.8% above the Together Homeowner Managed Rate (THMR)) would require 60 instalments of £1,258.34 followed by 203 monthly payments of £1,483.27 plus a redemption administration fee of £100.00. Read more information on THMR.

The total amount payable would be £378,187.48 made up of the loan amount (£146,000) plus interest on the loan (£226,808.87), arrangement fee (£1,495) plus interest on this fee (£1,853.12), broker fee £862 plus interest on this fee £1,068.49) and the redemption administration fee (£100.00).

The overall cost for comparison is 10.6% APRC representative.

The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.

Your home may be repossessed if you do not keep up repayments on your mortgage.

You are likely to repay more overall if you select a longer-term mortgage to reduce your monthly payments.
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