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About The Mortgage

Quick mortgage quote no credit score required.

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Remortgaging

Which is the Best Remortgage for You?

Remortgages and mortgages alone can be confusing. Amber Mortgage Solutions ensure that you are assigned an independent mortgage adviser with the expertise to find you the best deal.

We offer you whole of market independant advice on the best mortgage option for you, following an in depth consultation to ensure we fully understand your mortgage needs.

Call us on 01702 619 221 and we will put you in touch with one of our locally based mortgage advisers who will guide you from the initial fact finding questionnaire through to completion answering any questions you have along the way.

We’ll concentrate on helping you compare mortgage rates with the following in mind:

  • Fixed, tracker, discount and variable rate mortgages
  • Repayment and interest only mortgages
  • Free survey and cash back deals
  • Early repayment charges

Have a chat with one of our friendly advisers today who are on hand to help you, not judge you, on 01702 619 221.

How We Work

  • To start with please either call us or complete the above application form.
  • One of our mortgage consultants will be in touch with you to discuss your application.
  • After we have your details, we will search the market for the best schemes to suit you.
  • We will then talk you through the details of your mortgage.
  • 100% Secure, Confidential and hassle free.

It is much simpler to remortgage than buying your first home or moving home.

The Deeds to the property are registered to you already, so the solicitors do not need to transfer deeds do the searches that are involved with a new purchase.

There are two main options when it comes to Remortgaging.

Stay with your existing Lender

You may choose to remain with your existing lender and remortgage onto another deal. This makes the process even easier. You can get a broker to assist you with this or approach your lender yourself.

Switch to a new lender

If you choose to switch to a new lender Amber Mortgage Solutions can assist you every step of the way, we can find you the right mortgage for your needs. We can do all of the hard work for you, call us on 01702 619 221 to book an appointment or go through your application over the phone, we will find you the mortgage that suits your needs, taking into account all aspects of the loan, from the booking fee to the penalty for early buyout.

You will likely need some documents for the application, these usually include:

Proof of income, and expenditure, so a P60, recent payslips, bank statements and latest mortgage statement(where applicable) Information from your employers, other lenders, your landlord. Identification, Birth Certificate or Passport.

Here at Amber Mortgage Solutions will manage this side for you and ensure that you have provided sufficient evidence to support your application if you are aware of the requirements before you apply and you have them all ready you will find it much easier. Maybe get a folder and put all of these documents in there ready for the application.

Our Remortgage Top Tips

How Do I Know if I Have a
Bad Credit Rating?

You may be receiving letters from credit card companies, are aware of missed payments, being visited by debt collectors or declined by a high street lender.

The only way to know for sure what condition your credit history is in, is to secure a copy of your credit report.

Who
Shouldnt remortgage?

There are several sets of people who shouldn’t remortgage.

If you have High Early Repayment charges. Some mortgage deals come with early repayment charges where the lender charges you a penalty for repaying early. These can amount to thousands of pounds.

Buy To Let
Remortgage

Our expert team are made up of independent mortgage advisers who have the experience to find the best buy to let mortgage deals in the UK.

We’ll assign you with your own buy to let mortgage adviser to help the buying process go smoothly. Then we’ll help you find suitable tenants.

Quick FAQs

Have a question about remortgages with bad credit?

Take a look at our extensive FAQ section for the answers to some of our most commonly asked questions, below.

Some people may decide to remortgage as a way to clear any existing debts, such as credit cards and personal loans. This can be a beneficial way of reducing the amount of interest charged on your outstanding debts as mortgage rates tend to be considerably lower than the interest rates on other forms of borrowing.

When you remortgage with a different lender, then you may be able to borrow extra money. This depends on the lender’s maximum loan-to-value (LTV) ratio, the equity available in your property and your affordability.

If you do decide to go down this route, then it is still important to remember that whilst you might be paying a lower rate of interest, you may end up repaying more in the long term, over a much longer amount of time.

Whilst it may be possible to remortgage and borrow extra funds to pay off any debts you owe, with credit problems such as defaults or CCJs on your file, getting a mortgage deal of any kind can become more difficult.

Fortunately, there are lenders who specialise in mortgage and remortgage deals for people with a poor credit history.

Please note, if you are hoping to secure extra money against your property, you may risk losing your home in the event that you fail to make your mortgage repayments.

With sufficient equity in your property, it may be possible for you to remortgage and borrow extra finance to pay the tax amount that you owe to HM Revenue & Customs.

Whilst the majority of lenders will not lend to a homeowner for the purpose of clearing a tax bill, there are some specialist lenders who will be happy to consider your application. With experience of different lenders across the whole market, our bad credit brokers can advise on the best lenders to suit your unique circumstances.

Even though most high street lenders will not permit finances raised on a remortgage to be used for businesses, there are some specialist lenders who are more accommodating to those who wish to remortgage for business purposes. Again, it is important to remember that by borrowing money against your property for business, you risk losing your home if you or your business run into financial troubles.

Even with a poor credit history, it is possible to remortgage your standard residential mortgage to a remortgage buy to let with bad credit mortgage with a different lender. However, with affordability assessments for buy-to-let mortgages now using stricter criteria, a history of adverse credit may reduce the options available to you.

An expert bad credit broker can help to increase your chances of finding the best lender to suit your needs.

Contact us today! Our friendly advisors will be happy to talk you through the next steps available to you and help you on your way to obtaining the mortgage you need.

We’re here to help you, not judge you, so call us on 01702 619 221.

Bad Credit Remortgage Solutions

Want to Remortgage With Bad Credit? Find Out How

Worried about how your credit score may impact you chances of getting a mortgage?

Thinking of remortgaging? A remortgage can be a great way of releasing capital in an existing property when you’re looking to raise funds, whether it’s for home renovations, a holiday or even buying a new car.

Whilst remortgaging can be relatively straightforward for most, for people in need of a bad credit remortgage, things can be trickier.

Fortunately, here at Amber Mortgage Solutions we have helped to successfully arrange a remortgage with bad credit history for hundreds of clients who have been turned away elsewhere.

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Call Us On

01702 619 221

Open: Monday - Friday 8:30am - 5:30pm