Cashback Remortgages · Credit problems
Mortgages with credit problems
Cashback Remortgages is an FCA-regulated, whole-of-market mortgage broker arranging adverse credit mortgages for clients across the UK, by phone, video or in person at our Uxbridge office (by appointment). A poor credit history doesn't always rule out a mortgage. What matters is what happened, when, and how it was resolved.
Who it's for
People with missed or late payments, defaults, county court judgments (CCJs), debt management plans or past IVAs, whether buying or remortgaging.
How we help
We review your credit reports with you before any application, so we approach lenders likely to accept your history and avoid unnecessary credit searches.
We compare high-street and specialist lenders. Rates and deposit requirements can be higher, so we also look at when waiting or improving your file might help.
The process and timeline
- Get copies of your credit reports.
- Review the history and timeline with an adviser.
- Agreement in principle with a suitable lender.
- Full application, valuation and offer.
Documents you'll need
Requirements vary by lender and circumstances, but expect to provide:
- Your credit reports from the main credit reference agencies.
- Satisfaction letters for any settled CCJs or defaults.
- Standard income, ID and deposit evidence.
Fees
We don't charge a broker fee for mortgage advice. Lenders pay us a procuration fee when your mortgage completes. Lender product fees, valuation and legal costs, and any early repayment charge on an existing mortgage, may still apply. We set out every cost before you proceed.
Does cashback apply?
Cashback may be available on eligible cases once your mortgage completes. The amount depends on the type of mortgage and the loan size, and we confirm it and the conditions in writing before you proceed. Cashback is subject to eligibility and conditions.
Guides and calculators
Read more before you speak to us, or use a calculator to explore the numbers.
Your questions, answered
Can I get a mortgage with a CCJ?
Possibly. Lenders look at the amount, how recent it is and whether it's been satisfied. Older, settled CCJs are viewed more favourably.
Will a mortgage with bad credit cost more?
Often, yes. Specialist lenders can charge higher rates and fees. Remortgaging later, once your record improves, may reduce costs.
Should I check my credit file first?
Yes. It helps us choose suitable lenders and lets you correct any errors before applying.
Do you charge a fee for this?
No. Our mortgage advice is free. Lenders pay us a procuration fee on completion. Lender, valuation and legal costs may still apply, and we explain them before you proceed.
Can you help wherever I live in the UK?
Yes. We advise clients in England, Scotland, Wales and Northern Ireland by phone and video. Office visits in Uxbridge are by appointment.
Sources and further reading
Published by Cashback Remortgages, a UK mortgage broker for all types of mortgages.
General mortgage information, not a personal recommendation. Lender criteria and scheme rules can change. Ask an adviser about your circumstances and a solicitor or tax adviser about legal or tax questions. Your home may be repossessed if you do not keep up repayments on your mortgage. Most buy-to-let mortgages are not regulated by the FCA.
Discuss the next step for your mortgage
Understand your options before you make a decision.