Don't Let Poor Credit Stop Your Purchase or Remortgage

Expert advice to help you remortgage or buy a new property even with a poor credit history. We look beyond the numbers to find the right solution for you.

BAD CREDIT REMORTGAGES

Struggling to remortgage or purchase with bad credit?

Have missed payments led to a declined mortgage application?

Worried that CCJs or defaults are standing in your way?

You are not alone. Thousands of homeowners secure competitive remortgages despite past credit hurdles. Our specialist panel of lenders looks beyond the automated score to understand your unique situation.

Book a free call

Fill out our quick enquiry form below or give us a call to set up an initial chat. We can help you borrow more, save money and move in to the home you deserve.

Frequently Asked Questions

Find answers to the most common queries regarding bad credit remortgages and how we can help secure your financial future.

Can I remortgage with a CCJ?

Yes, many specialist lenders consider applicants with CCJs, depending on the age and amount.

How much can I borrow with bad credit?

This depends on your income, equity, and the severity of the credit issues.

Will a bad credit remortgage cost more?

Interest rates may be higher than standard mortgages, but we aim to find the most competitive deal available.

WHY OAKVALE

Why Choose Oakvale Financial?

Specialist Expertise

We understand the complexities of bad credit and know which lenders are most likely to accept your application.

Exclusive Rates

Access to a wide range of specialist lenders that aren’t available on the high street.

Personalized Support

We guide you through every step of the process, ensuring you get the best possible outcome for your situation.

EASY REMORTGAGING

Our Simple 4-Step Process

Initial Consultation

We discuss your situation and goals.

Credit Review

We analyze your credit report to understand the options.

Lender Matching

We find the best specialist lenders for you.

Application & Completion

We handle the paperwork and guide you to completion.

Book a free call

Fill out our quick enquiry form below or give us a call to set up an initial chat. We can help you borrow more, save money and move in to the home you deserve.

      EXCELLENT  
   Based on 22 reviews 
    
 
 
 
   
 
 
      Posted on Google  
   
   R M 
 9 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I couldn't recommend Dwight highly enough. He was incredibly helpful throughout the entire mortgage process. He was always available to answer any questions I had, no matter how big or small, and nothing ever seemed too much trouble. Thank you for all your support and guidance.
  
 
     Posted on Google  
   
   S Dixon 
 24 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Got us an offer we were happy with given our unique circumstances, worked with us to accommodate for awkward timings due to shift work patterns.
  
 
     Posted on Google  
   
   J Humphries 
 36 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Dwight has been exceptional in our journey in getting our first property. We are first time buyers and wouldn’t know where to begin but the service Dwight has provided is amazing! He is really patient and knowledgeable and I would recommend anyone to him.
  
 
     Posted on Google  
   
   L Andrews 
 45 days ago
 
 
 Trustindex verifies that the original source of the review is Google. From my first meeting to getting the keys, Dwight was excellent, his knowledge in the sector was second to none, he made the whole process easy and sorted everything out. Very easy to reach if there were any questions.
Will definitely be using his services again.
  
 
     Posted on Google  
   
   C Henry 
 61 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Dwight couldn’t have been more helpful. We were keen to look at all available options and he patiently went through it all with us, fully explaining everything and helping us come to an informed decision. I would fully recommend Oakvale Financial, when it comes to remortgaging again, there is no doubt we will be returning here. Customer service was fantastic. Thanks Dwight.
  
 
     Posted on Google  
   
   L Rana 
 84 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Easy to reach, comfortable to speak, explain us with detail with out no any rush.
  
 
     Posted on Google  
   
   J 
 97 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I can’t thank Dwight enough for his support, patience, and professionalism throughout my home-buying journey.
From the very beginning, he took the time to get to know me and made the whole experience feel personal.

Dwight was always quick to respond to emails and happy to talk me through any questions I had, no matter how big or small. His clear communication and regular updates made what could have been a stressful process feel straightforward and stress free.

Most importantly, Dwight worked hard to secure the best mortgage deal for me. I wouldn’t hesitate to recommend him to anyone looking for a knowledgeable, trustworthy, and genuinely caring mortgage broker.
  
 
     Posted on Google  
   
   V Pagot 
 103 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We had an exceptional experience with Dwight Scaife at Oakvale Financial.  Dwight was incredibly helpful and friendly and was always available to answer our questions. He often went above and beyond to ensure we were taken care of.                                                The service was professional and the results exceeded our expectations.  We would not hesitate to use this company again and would highly recommend Dwight to anyone.
  
 
     Posted on Google  
   
   D Kirby 
 111 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Dwight is very professional and explains everything clearly.  From the first  phone call, he was easy to talk to. I needed help with a remortgage and although it can be a daunting process, Dwight explained everything in simple terms so it was easy to understand. He was quick to respond to emails and kept me up to speed as my remortgage progressed. Would definitely recommend.
  
 
     Posted on Google  
   
   P Games 
 113 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Dwight was super helpful in explaining the mortgage process to us, he explained everything in a clear, easy to understand way and his dog Sasha brought us lots of joy in his office aswell :) He kept us informed through the process via email and text and answered all the million questions we had too.

He was a pleasure to deal with and I'd recommend him to anyone wanting to get a mortgage.
  
 
 
  
 
   Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

Frequently Asked Questions

Find answers to the most common queries regarding bad credit remortgages and how we can help secure your financial future.

Can I remortgage with a CCJ?

Yes, many specialist lenders consider applicants with CCJs, depending on the age and amount.

How much can I borrow with bad credit?

This depends on your income, equity, and the severity of the credit issues.

Will a bad credit remortgage cost more?

Interest rates may be higher than standard mortgages, but we aim to find the most competitive deal available.

Navigating CCJs and Defaults

Having a County Court Judgment (CCJ) or a default on your credit file can feel like a major roadblock, but it doesn’t have to be. At Oakvale Financial, we specialize in helping clients remortgage even with active or satisfied CCJs and defaults. Many lenders will consider your application if the CCJ or default is over a certain age, or if you can provide a clear explanation for the financial difficulty. We work with specialist lenders who look at the story behind the CCJ or default, rather than just the credit score.

Managing Missed Payments

Missed payments on credit cards, loans, or even previous mortgages are common reasons for a lower credit score. However, a few missed payments don’t automatically disqualify you from a remortgage. We help you present your case to lenders, highlighting how you’ve managed your finances since those missed payments occurred. Whether you have recent missed payments or older ones, we can identify the lenders most likely to offer you a competitive rate. Don’t let past missed payments stop you from securing a better financial future.

R M

9 days ago

I couldn't recommend Dwight highly enough. He was incredibly helpful throughout the entire mortgage process. He was always available to answer any questions I had, no matter how big or small, and nothing ever seemed too much trouble. Thank you for all your support and guidance.

S Dixon

24 days ago

Got us an offer we were happy with given our unique circumstances, worked with us to accommodate for awkward timings due to shift work patterns.

J Humphries

36 days ago

Dwight has been exceptional in our journey in getting our first property. We are first time buyers and wouldn’t know where to begin but the service Dwight has provided is amazing! He is really patient and knowledgeable and I would recommend anyone to him.

L Andrews

45 days ago

From my first meeting to getting the keys, Dwight was excellent, his knowledge in the sector was second to none, he made the whole process easy and sorted everything out. Very easy to reach if there were any questions. Will definitely be using his services again.

C Henry

61 days ago

Dwight couldn’t have been more helpful. We were keen to look at all available options and he patiently went through it all with us, fully explaining everything and helping us come to an informed decision. I would fully recommend Oakvale Financial, when it comes to remortgaging again, there is no doubt we will be returning here. Customer service was fantastic. Thanks Dwight.

L Rana

84 days ago

Easy to reach, comfortable to speak, explain us with detail with out no any rush.

97 days ago

I can’t thank Dwight enough for his support, patience, and professionalism throughout my home-buying journey. From the very beginning, he took the time to get to know me and made the whole experience feel personal. Dwight was always quick to respond to emails and happy to talk me through any questions I had, no matter how big or small. His clear communication and regular updates made what could have been a stressful process feel straightforward and stress free. Most importantly, Dwight worked hard to secure the best mortgage deal for me. I wouldn’t hesitate to recommend him to anyone looking for a knowledgeable, trustworthy, and genuinely caring mortgage broker.

V Pagot

103 days ago

We had an exceptional experience with Dwight Scaife at Oakvale Financial. Dwight was incredibly helpful and friendly and was always available to answer our questions. He often went above and beyond to ensure we were taken care of. The service was professional and the results exceeded our expectations. We would not hesitate to use this company again and would highly recommend Dwight to anyone.

D Kirby

111 days ago

Dwight is very professional and explains everything clearly. From the first phone call, he was easy to talk to. I needed help with a remortgage and although it can be a daunting process, Dwight explained everything in simple terms so it was easy to understand. He was quick to respond to emails and kept me up to speed as my remortgage progressed. Would definitely recommend.

P Games

113 days ago

Dwight was super helpful in explaining the mortgage process to us, he explained everything in a clear, easy to understand way and his dog Sasha brought us lots of joy in his office aswell :) He kept us informed through the process via email and text and answered all the million questions we had too. He was a pleasure to deal with and I'd recommend him to anyone wanting to get a mortgage.

Verified by Trustindex

Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

Don't Let Poor Credit Stop Your Purchase or Remortgage

Struggling to remortgage or purchase with bad credit?

Have missed payments led to a declined mortgage application?

Worried that CCJs or defaults are standing in your way?

Book a free call

Frequently Asked Questions