Refinance Your Home with Poor Credit
We Compare 100's of loans from leading lenders
If you have bad credit, you might assume that remortgaging your home is out of reach. However, there are options available to help you refinance, even with an adverse credit history. A bad credit remortgage allows homeowners to switch to a new mortgage deal, to access their equity for various purposes.
A bad credit remortgage is designed for individuals with a low credit score or a history of financial difficulties. This may include late payments, defaults, County Court Judgments (CCJs), or even bankruptcy. While mainstream lenders may be hesitant to offer refinancing options, specialist mortgage lenders cater to those facing financial challenges now or in the past.
There are several reasons why remortgaging with bad credit might be beneficial:
From high value loans for home improvements and debt consolidation to mortgage expertise and short-term bridging loans, we help you save valuable time, money and effort by doing all the hard work for you.
Reduce your outgoings and combine your debts into one monthly payment.
Fast and flexible loans for borrowers who need effective, short-term deals
Our guide covers answers to some common property-related questions.
Find affordable loans that can help you increase the value of your property
No matter your credit rating we’ll help you find a deal that works for you.
Raise the deposit you need to invest in new property or refurb an existing one.
Getting a quote won’t affect your credit score
Willows Finance has helped countless people from all walks of life to access the money they need without complicated delays. And we don’t just say that our customers come first – it’s something we put into action every single day.
Helpful and Efficient
I would highly recommend Willows Finance. They helped us organise finance recently and were efficient, transparent and proactive throughout the process. They understood our needs, identified and explained the solution clearly, and helped us to seemlessly complete the application. Thank you Willows!
S Hampton
Helpful and informative staff …
Willows finance have been extremely helpful and efficient in finding me a loan, I feel I’ve had just the right amount of contact not too pushy or overbearing, however they did chase me when I was slow with paperwork etc which was not a bad thing and ended in me receiving a loan in a timely manner.
Julie
10 out of 10 service
Willow finance were great start to finish, they always answered promptly and it was so helpful that they were able to communicate via WhatsApp as I couldn’t always be available for phone calls. Willows Team was patient, answered all my questions and endeavoured to make the process as seamless as possible. I would definitely recommend Willow and would use their services again if I ever needed it!
Faultless service
Great communication and very straightforward process. Everyone I dealt with was knowledgeable and helpful and replied really quickly to any queries I had. Would 100 percent recommend.
Sarah
Helpful
Helpful, understanding and very responsive.
Laura N.
If you are looking for a company that really does put their customers first then look no further.
If you are looking for a company that really does put their customers first then look no further. Their service is second to none. A personal thank you to Willows team who helped me no end.
Nicola
When assessing a bad credit remortgage application, lenders typically evaluate:
When assessing a bad credit remortgage application, lenders typically evaluate:
.
Finding the Right Lender
Not all lenders offer bad credit remortgages, so it’s essential to explore your options. Specialist mortgage lenders focus on adverse credit applicants can provide tailored advice and help you find suitable deals.
Tips to Improve Your Chances of Approval
If you’re considering a bad credit remortgage, taking the following steps can boost your approval odds:
Finding the right finance doesn’t have to be complicated – so, we’ve made the process clear and simple. Whether you’re applying for a Secured Loan, Mortgage or Bridging Finance, we’ll compare the market for the best options that meet your criteria and provide you with a fast no-obligation quote.
Complete a short online form and tell us how much you would like to borrow.
See if you meet the basic criteria for the loan and that you can afford the monthly repayments
We submit the application for the underwriter to review and issue the binding offer.
You sign and return the offer, and the lender releases the funds.
Although bad credit can make remortgaging more challenging, it’s not impossible. By working with specialist lenders and taking proactive steps to strengthen your financial profile, we can help secure a remortgage that suits your needs. Whether you aim to reduce payments, consolidate debt, or access your equity, exploring your options can help you regain financial stability and work towards a brighter future.
If you have a question – we’d be happy to talk to you – simply call us…
(Mon-Fri 9am-8pm, Sat 10am-1pm)
See why we're rated
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.
LOANS ARE SECURED AGAINST PROPERTY. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED UPON IT.
Willows Finance is a credit broker not a lender using a representative panel of lenders. We work with a Panel of Lenders whose particulars will be supplied upon request to find a potentially suitable arrangement for your consideration.
For credit broking, we do not provide or offer advice or recommendation. Whichever lender we introduce you to we will receive commission from. Different lenders pay different amounts based on different commission models and interest amounts. For transparency we work with the following commission models: percentage of the amount you borrow, rate for risk (this is based on the risk profile of the proposal).
Willows Finance Limited is authorised and regulated by the Financial Conduct Authority. Our Financial Conduct Authority FCA register number is 670052. We are registered under the Data Protection Act No. Z1447660 and are a member of the Association of Finance Brokers.
Willows Finance Limited registered address is Brocastle, Bridgend CF35 5AS. Company registered in England.
Registration number 6678545. Copyright © 2025 Willows Finance Ltd
Legal
At Willows Finance we ensure your personal information is kept secure and confidential.
PRIVACY OF YOUR INFORMATION
At Willows Finance Ltd, we appreciate that your privacy is extremely important to you. With this in mind, we have put in place a number of measures to ensure that any personal details we obtain from you as a result of visiting this website is processed and maintained in accordance with accepted principles of good information handling and also in accordance with the Data Protection Act 1988.
This statement provides you with details of the type of information we may hold about you, how we obtain and use information and how we protect your privacy.
Willows Finance Limited
Brocastle, Bridgend, CF35 5AS
Authorised and regulated by the Financial Conduct Authority
Firm Reference Number: 670052
Company Number: 6678545 (Registered in England and Wales)
This document outlines the services we provide. If you need clarification, please contact us at 01656 766158.
We offer first and second charge regulated mortgage contracts for business or personal use.
Other finance options may include:
Regulatory Status:
We offer an advised mortgage broking service and provide enough information for you to make an informed decision.
We are not independent financial advisers. Free debt advice is available from the Money Advice Service.
You can view our privacy policy at: https://willowsfinance.co.uk/privacy-cookie-policy/.
Lenders may also have their own privacy policies which will be provided to you.
We charge a broker fee upon loan completion. The average fee is approximately 5%, depending on your situation.
Fee details:
No refund is offered after completion. You may pay upfront or add the fee to your mortgage. Fees and commission will be detailed in your ESIS and Mortgage Agreement.
You will receive a Mortgage Agreement and an ESIS document detailing:
You may cancel your application anytime before completion without any charge. Mortgages cannot be cancelled after completion.
Missing payments can lead to charges, repossession, and negative impacts on your credit rating.
Consolidating debt may result in higher long-term interest. Securing debt against your home increases risk.
Your home may be repossessed if you do not keep up repayments on a mortgage or other loan secured on it.
If you wish to complain, contact us at:
Willows Finance Limited
Brocastle, Bridgend, CF35 5AS
Tel: 01656 766158
You may be able to refer your complaint to the Financial Ombudsman Service.
We are covered by the FSCS. You may be eligible for compensation of up to £85,000 per person per firm for mortgage advice and arranging.
More info: www.fscs.org.uk
After processing your application, you’ll receive a Mortgage Agreement and have a 7-day reflection period.
Contact us during this period with any questions. To proceed, sign and return the agreement.
Let us know what you're looking for today
