Intelligent Financial Solutions

If you are looking for a competitive remortgage, even if you have a poor credit history, come to IFS first to see what we can do. Your poor credit history does not exclude you from getting a remortgage.

As a home owner it's likely that the value of your house is greater than the value of your outstanding mortgage. The difference between between your existing mortgage balance and your property value is called 'equity'.

Currently due to the credit crunch it is still possible in some cases to obtain a maximum of 95% loan to value on a Remortgage, gone are the days of being able to obtain up to 130% of your property value, in most cases this allows you to consolidate other debts you may have or to carry out those home improvements you have always wanted to.

Even if your poor credit rating has meant you've had special terms imposed on a mortgage quote on the past, we have access to a large number of specialist lenders that have been able to get people in this situation, with a poor credit rating, to arrange a suitable remortgage at a more competitive rate of interest.

You may want to remortgage to consolidate existing debts including loans and credit cards into one easy repayment or you may want the additional money to finance a new car, a holiday home or home improvement works. Whatever you need to remortgage for, our team of fully qualified advisers will work with you to get the best deal possible according to your personal circumstances.

Why choose IFS?