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A remortgage with bad credit in Liverpool allows you to switch to a new mortgage deal despite having a poor credit history.
Whether you’ve missed payments, have defaults, or a low credit score, some lenders may still consider your application.
Specialist lenders assess your situation differently from mainstream banks, offering solutions tailored to those with bad credit.
To improve your chances of securing a remortgage with bad credit in Liverpool, you’ll need to show lenders that you can manage repayments.
This may involve proving stable income, reducing existing debts, or working with a mortgage broker in Liverpool to find a lender who considers bad credit applications.
While rates may be higher than standard deals, remortgaging could still help you secure a better arrangement or release equity from your home.
Yes, some lenders specialise in offering remortgages with bad credit in Liverpool, providing options for those who may struggle with high street banks.
These lenders assess applications differently, focusing on factors like recent financial stability rather than past issues.
Our mortgage advisors in Liverpool can help you find a lender suited to your situation, increasing your chances of securing a remortgage.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
You may still be able to remortgage, but it depends on how recent and severe the missed payments were.
Some lenders are more flexible than others, especially if you can show improved financial management since the missed payments.
Speaking to a mortgage broker in Liverpool like us could help you find lenders who consider applications from those with past payment issues.
Lenders may require you to have a higher level of equity in your home, as this reduces their risk.
While some may consider applications with lower equity, having more available could improve your chances of securing a better deal.
Our mortgage advisors in Liverpool can look at your options based on your current mortgage and financial situation.
Some lenders may allow you to remortgage to consolidate debts, but this depends on factors such as your credit history, income, and the amount of equity in your home.
While consolidating debt through a remortgage can reduce your monthly outgoings, it could also mean paying more interest over the long term.
It’s important to explore all options before making a decision.
The remortgage process may take slightly longer if you have bad credit, as lenders often conduct more detailed affordability and risk assessments.
In general, it can take a few weeks to a couple of months, depending on the complexity of your application.
Working with a mortgage broker in Liverpool may help speed up the process by ensuring everything is in place before you apply.
Remortgaging itself won’t automatically improve your credit score, but keeping up with repayments on a new mortgage may have a positive impact over time.
If you’re consolidating debt through a remortgage, reducing other credit commitments could also help improve your score.
Each lender assesses credit history differently, so it’s worth checking how your situation might be viewed before applying.
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I used MoneyMan for my first mortgage, I was thrilled with the service they provided back in 2017 therefore I went back to them for my remortgage Chris & Debbie were super helpful with my remortgage. Would highly recommend.
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I have been using Liverpool Moneyman for my mortgages and remortgages since 2014. Great flexible and friendly service.
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Leo and the team have been exceptionally thorough in explaining all my options. I truly felt that Leo had my best interests at heart, going above and beyond even offering advice and support beyond his usual remit. He’s been incredibly patient with...
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Brilliant from start to finish. No fuss. Chris found me a new deal with my existing provider. Have recommended this company to my friends.
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Fantastic service from beginning to end, extremely informative and supportive. Daniel was very easy to communicate with and provided all the information we needed.
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Excellent service, always professional and friendly. This is the second time I’ve used moneyman and their advice has been invaluable. Jason and Lizzi have been outstanding.
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Vitor
I am so glad I find this Mortgage Broker , specially Tom Bowes and Debbie Stones, they both were very professional and polite from start to end , they keep me informed and updated at all times, the process was very smoth and fast, highly...
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I wanted to say a big thanks to Paula, Leo, and the Liverpoolmoneyman team. Both Paula and Leo have managed to secure me a great mortgage deal. Making this whole process seamless and less stressful with clear communication during each stage. I would...
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Tarique
I wanted to personally thank Leo Shakespeare, and Paula Milner. And the UK Moneyman team for outstanding customer service in securing my new mortgage. Your outstanding expertise, patience, and clear communication has made this whole process much...
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Georgia
Daniel was so helpful throughout our remortgage process. We used Liverpool Money Man when taking out the original mortgage and we didn’t regret it at all, so helpful and made us feel so reassured at each stage. Thank you again!
8 months ago
Shauna
Matt and Debbie at Liverpool Money Man were so helpful throughout the process of securing me my mortgage offer. From start to finish, they were friendly & explained every step of the process. They were also easily contactable and responded to any...
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Very good service
11 months ago
Rajeetha
I am with Liverpoolmoneyman from 2020. Always reminding me the end of terms make good offer from mortgage providerS.
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Katie
Very happy with the service provided. Both Dan and Jonathan were very informative and supportive throughout the process, and I especially thank them both for their patience in answering all of my questions and clarifying everything for me. I will...
1 year ago
Anonymous
Very patient crew although we showered them with a lot of questions and frequently asked for updates
1 year ago
Our mortgage advisors in Liverpool will assess your situation and discuss your options.
We’ll look at your credit history, income, and equity to see what remortgage deals may be available to you.
Not all lenders offer remortgage with bad credit in Liverpool, but some specialise in these cases.
We’ll search for lenders who may consider your application based on your circumstances.
Once we’ve found a suitable deal, we’ll help you prepare your remortgage application.
Lenders will assess your financial situation before making a decision on your new mortgage.
If approved, your new lender will pay off your existing mortgage, and your new deal will begin.
If you’re releasing equity or consolidating debt, the funds will be arranged as part of the process.
We understand that past financial issues can make remortgaging feel difficult.
Our mortgage advisors in Liverpool have experience helping homeowners find lenders who may consider applications from those with bad credit.
Not all lenders accept applicants with bad credit, but we have access to a range of specialist lenders.
As a mortgage broker in Liverpool, we can explore options beyond the high street to find a deal that may work for you.
Remortgaging with bad credit can take longer, but we’ll keep you informed at every stage.
We handle the paperwork, liaise with lenders, and ensure your application is as strong as possible before submission.
Every homeowner’s situation is different, which is why we take the time to understand your needs.
Whether you’re looking to secure a better deal, consolidate debts, or release equity, we’ll explore the options that may be available to you.
If you’re currently on a high-interest rate or a lender’s standard variable rate, remortgaging may allow you to switch to a deal with more manageable repayments.
While interest rates may still be higher with bad credit, finding a better-suited lender could help reduce your monthly costs.
If your property has increased in value since you took out your mortgage, you may be able to release some of that equity.
This could provide a lump sum to use for home improvements, covering unexpected expenses, or even helping with financial stability.
Getting mortgage advice in Liverpool can help you understand how much equity you may be able to access.
Some homeowners may be able to remortgage to consolidate outstanding debts into their mortgage.
This could reduce the number of monthly payments you’re managing and potentially lower overall outgoings.
However, spreading debts over a longer term may mean paying more interest in the long run.
When a fixed or discounted mortgage deal ends, many borrowers are automatically moved to their lender’s standard variable rate, which is often higher.
Remortgaging before this happens could prevent your payments from increasing unexpectedly.
Although securing a remortgage with bad credit in Liverpool may come with higher rates initially, keeping up with repayments could help rebuild your credit score.
This may put you in a stronger position to secure better mortgage deals in the future.
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Liverpoolmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Liverpoolmoneyman 2025.
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Liverpoolmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Liverpoolmoneyman 2025.
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