Life happens
It’s normal for your circumstances to have changed since you last got a mortgage. Perhaps you’ve had a missed payment, your employment status has changed, or your relationship has ended.
Fortunately we don't mind if you're simply looking for a new rate to reduce your repayments, or want to borrow more to complete renovations or consolidate debts.
We don’t just rely on credit scores to make our lending decisions. Instead, we see the person behind the numbers. All of which means we can often lend when others can’t.
Common questions about remortgaging
You should think carefully before choosing to use a secured loan to repay credit which is unsecured, because with a secured loan your home may be at risk if you do not maintain the repayments. In addition, when using a loan to consolidate other debts you may increase the total amount repayable.