Many borrowers with adverse credit assume their remortgage options are limited. The reality is that, with the right lender, there may be more opportunities available than they expect.
At Bluestone Mortgages, we support clients whose circumstances don’t always fit the high street mould, helping brokers place cases that might otherwise struggle to find a home.
Fee-free remortgage options
Our fee-free remortgage range can help reduce upfront costs for your clients, with:
- No arrangement fees
- No valuation fees
- £500 contribution towards solicitor fees or free basic legals
Whether your client is looking for a straightforward remortgage, debt consolidation, capital raising, or funding home improvements, we offer flexible solutions designed around real-life circumstances.
A pragmatic approach to underwriting
Our criteria are designed to help more clients access the finance they need, including:
- No credit scoring
- CCJs and defaults under £500 ignored, even within the last three months
- All telecoms CCJs and defaults ignored
- Debt Management Plans accepted and able to remain in place
- Day 1 contractors accepted
- Just one year’s accounts required for self-employed applicants
So, if you’re reviewing clients approaching the end of a deal, don’t assume adverse credit is a barrier to remortgaging. We’d be happy to discuss how we may be able to help.
Get in touch with your BDM or our team to discuss your next case.Bluestone Mortgages
T: 0800 368 1833
E: sales@bluestonemortgages.co.uk