When you take out a mortgage, your financial circumstances can change. Financial burdens can hit and credit scores can take a turn for the worse. If you’re looking to remortgage with bad credit, it’s best to turn to the specialist mortgage brokers.
As a specialist mortgage broker, Agentis has access to more flexible mortgage lenders. As Whole of Market and independent advisors, we give our clients access to exclusive deals they won’t find anywhere else. We’re dedicated to improving your chances of securing a remortgage when you need one. Contact the team today.
Whole of Market Advice
Below are some of the lenders we deal with, however we have access to the whole of the market, including exclusive deals that you won’t be able to find yourself.
What To Expect When Applying for a Remortgage
Looking for a poor credit remortgage can seem difficult, and your choices may be more limited. But there are options.
As both mortgage and financial experts, the team at Agentis can offer constructive advice. Whether there are some quick and easy ways to boost your credit score or you need to find a lender with more flexible terms, we’ll provide the best solution and bring clarity to your finances.
We’ll always tailor our advice to suit your unique circumstances. By getting to know you and your financial outlook, we can build a supportive, trusting relationship. We’ll help you reach your goals, one step at a time.
You may have to pay an early repayment charge to your existing lender if you remortgage.
The Process
Book initial consultation – We offer flexible appointments to suit our clients. From providing virtual and face-to-face meetings to offering tailored advice, we work around you.
Talk through options and solutions – There is no one–size-fits-all solution when it comes to securing a mortgage with bad credit. That’s why our mortgage experts go further and get to know your unique circumstances. All our advice is jargon-free and will help you reach your goal of securing a remortgage.
Search the market – Your dedicated advisor will browse the market and reach out to suitable lenders. As soon as they’ve found a suitable product that matches your needs and circumstances, they’ll contact you.
Apply – If you’re happy with the mortgage, we will take control of all elements of the application ensuring a smooth process from start to finish. No fuss, just an efficient, friendly service.
Speak to the mortgage broker Peterborough team today to get your remortgage plans off the ground.
Meet The Team
Established in 2014 by Christine Long and David Mortell, Agentis offers expert mortgage advice alongside the personal touch and flexibility of a smaller, family-run business. Now with a growing team of mortgage brokers in Peterborough, they have the very best mortgage and protection experts on board to help individuals, couples and families manage their property purchases and re-mortgages.
Agentis is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.
What Our Customers Think
Timothy Lawrie2024-04-18I cannot praise Agentis highly enough. Service above and beyond, all done with understanding and friendly know how. AmazingAsher2024-04-18We have just received a mortgage offer on our first property & had the pleasure of Ash Hinds being our mortgage advisor. Ash was very helpful throughout the whole process & was never too busy to answer a query or concern, going over and beyond. As first time buyers we did need a lot of stuff explained to us & Ash was more then happy to do that & make sure we understood the pros & cons of different options. I would definitely recommend Ash to anyone who needs a Mortgage Advisor 5 star service!Sarah Worsley2024-04-17Ash is a fantastic broker, who empathised with my unique situation and was very supportive and encouraging. He secured a very good deal for us, and was always there to answer questions. I would highly recommend him!Agne Rusalovskytė2024-04-15Adam was very helpful as always.Jonathan Knox2024-04-15I recently had the pleasure of working with Josh at Agentis for my remortagage, and I couldn't be more impressed with the service I received. From start to finish, the entire process was smooth, efficient, and incredibly quick. Josh's expertise and professionalism were evident from our very first interaction. He took the time to understand my financial situation and goals, providing personalized guidance every step of the way. His knowledge of the mortgage industry ensured that I got the best possible deal tailored to my needs. What truly stood out to me was the speed at which Josh worked. Despite the complexities involved in securing a mortgage, he made the process seem effortless. Communication was prompt and clear, and I always felt informed and supported throughout. If you're looking for a mortgage broker who is efficient, knowledgeable, and committed to providing exceptional service, look no further than Josh at Agentis. You won't be disappointed. Thank-you.Bob Green2024-04-08Lee was great to work with, always keeping us updated and available whenever we needed. Lee often provided updates before our solicitors and estate agents. He was very knowledgeable and helped explain all steps of the process. I would 100% recommend both Lee and Agentis.Johnsy Raju2024-04-06Caren arranged our first mortgage, and she was fantastic with us! She demystified the entire house buying process for us, which can be a minefield. Caren helped us know how much we could spend on a home and how much of a mortgage we could afford, and achieve. She was able to give us a step-by-step plan, which really helped ease our anxiety. Caren also looked through home reports of homes we were looking into, to let us know of any issues that we might run into - this is very helpful, as the language can be impenetrable! We would recommend anyone looking to buy a home contacting Caren first. Thank you soomuch Caren @agentis for the wonderful help.Nesta2024-04-03We had Adam Long as our mortgage broker. He was amazing from start to finish throughout the entire process. Very good at explaining the whole process, very knowledgeable and professional. We couldn’t recommend a better mortgage advisor! Thanks Adam!Adrian Woolley2024-04-03Caren was informative, contactable and managed to get a mortgage when I feared I couldn’t. Thank you.Jodie Tyers2024-03-27Anton Sgroni was absolutely amazing at sorting out our remortgage. Any problems he sorted out straight away and was able to keep us updated along the way. This is the third time we have used Agentis and we can not fault them! Always a great service and lots of helpful advice and information is provided to get the best deal
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Want to know more about the different types of mortgages and how they work? Discover advice, top tips and how-tos from our mortgage and protection experts in the Mortgage Advice Hub.
From first time buyers to equity release, our advice hub is designed to answer all the top questions that property owners want to know. From preparing you for your initial consultation with a mortgage advisor right the way through to becoming a proud property owner and beyond, we’ve got you covered.
For jargon-free answers on all things mortgages, browse the sections you’re interested in below.
Frequently Asked Questions
Can you get a remortgage with really bad credit?
It’s not impossible to secure a remortgage even if you have a really bad credit score. Other factors are taken into account and can make you appear less of a risk to lenders. It may depend on the reasons behind the bad credit score and whether you or your mortgage partner have a decent income and sizable assets or savings. Your current LTV value will also be taken into account. The more you can prove that you’re able to keep up on your mortgage repayments, the better. With really bad credit, you may have limitations on the types of remortgages offered. But, Agentis can help find the most suitable deal for you.
How are bad credit mortgages different?
Bad credit mortgages often come with higher interest rates and deposits. There can also be a limit on how much you can borrow. This can also mean limitations on additional borrowing.
Are there lenders that don’t use credit scores?
There are specialist poor credit and no credit lenders that don’t require a credit score. Instead, applications are based on other factors, and you may have the option to add a guarantor. Speak to Agentis to find out more.
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