--- title: "Remortgage with Adverse Credit UK — Specialist Deals, Debt Consolidation & Capital Raising | First Rung Now" description: "How UK borrowers with existing, long-standing adverse credit can remortgage: specialist lenders, debt-consolidation remortgages, capital raising despite ba..." lang: en-GB json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "name": "First Rung Now", "url": "https://firstrungnow.com", "logo": { "@type": "ImageObject", "url": "https://firstrungnow.com/logo-512.png", "width": 512, "height": 512 }, "description": "Independent UK mortgage education and broker matching service.", "address": { "@type": "PostalAddress", "addressCountry": "GB" } }, { "@context": "https://schema.org", "@type": "WebSite", "name": "First Rung Now", "url": "https://firstrungnow.com" }, { "@context": "https://schema.org", "@type": "Article", "headline": "Remortgage with Adverse Credit", "description": "How UK borrowers with existing, long-standing adverse credit can remortgage: specialist lenders, debt-consolidation remortgages, capital raising despite bad credit, and how rates are structured.", "author": { "@type": "Organization", "name": "First Rung Now" }, "publisher": { "@type": "Organization", "name": "First Rung Now", "url": "https://firstrungnow.com" }, "mainEntityOfPage": "https://firstrungnow.com/remortgage-with-adverse-credit", "datePublished": "2026-06-15", "dateModified": "2026-06-15", "inLanguage": "en-GB" }, { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://firstrungnow.com/" }, { "@type": "ListItem", "position": 2, "name": "Remortgages", "item": "https://firstrungnow.com/remortgages" }, { "@type": "ListItem", "position": 3, "name": "Remortgage with Adverse Credit", "item": "https://firstrungnow.com/remortgage-with-adverse-credit" } ] }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "Can I remortgage to consolidate debts if I have long-standing adverse credit?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — debt consolidation remortgages are one of the most common uses of specialist mortgage lending for borrowers with established adverse credit. Specialist lenders including Pepper Money, Bluestone and Together accept applications where the purpose includes paying off credit cards, personal loans or other unsecured debts, subject to LTV and affordability limits. Be aware that consolidating unsecured debt into a secured mortgage transfers the risk to your home." } }, { "@type": "Question", "name": "I have had a discharged IVA for two years. Can I remortgage now?", "acceptedAnswer": { "@type": "Answer", "text": "A two-year-old discharged IVA puts you in the market but in a relatively small section of it. A handful of specialist lenders — Together, MBS Lending and a few building societies — will engage at this point, typically at sixty-five to seventy-five per cent LTV and at the higher end of the adverse-credit pricing range. At three years post-discharge you access a broader panel; at four years the field opens further still." } }, { "@type": "Question", "name": "What is the maximum LTV I can achieve on a specialist remortgage with long-standing adverse?", "acceptedAnswer": { "@type": "Answer", "text": "It depends on the profile. Light adverse (satisfied CCJs and defaults over twenty-four months) supports up to eighty to eighty-five per cent LTV with specialist lenders. Moderate adverse (unsatisfied items, older IVA) typically caps at seventy to seventy-five per cent. Heavy adverse (recent IVA, bankruptcy within three years) usually sits at sixty-five to seventy per cent. Capital-raising remortgages for all tiers typically apply a further five per cent LTV reduction." } }, { "@type": "Question", "name": "Can I raise capital against my home if I have adverse credit?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. Specialist lenders allow capital raising for home improvements, debt consolidation, business investment and other purposes alongside an adverse-credit remortgage. The LTV ceiling is typically tightened by five to ten per cent when capital is being raised, and the affordability assessment will include the cost of any debts being left in place as well as those being consolidated." } }, { "@type": "Question", "name": "Are specialist remortgage rates always higher than what I pay now?", "acceptedAnswer": { "@type": "Answer", "text": "Not necessarily — if your current rate was arranged before the base rate rises of 2022–2023 and is ending, the comparison point is your lender's reversion rate (SVR), not the original fix. Most SVRs today sit between seven and nine per cent, and specialist adverse-credit remortgage rates sit between five and a half and eight per cent depending on severity. You are usually comparing specialist rates against SVR, not against a previously cheap fix." } }, { "@type": "Question", "name": "How long does a specialist remortgage take to complete?", "acceptedAnswer": { "@type": "Answer", "text": "Eight to twelve weeks is the typical timeline from application to completion on a specialist remortgage. Cases with heavier adverse credit may take a week or two longer because additional documentation is required — explanation letters, bank statements, solicitor correspondence. A broker experienced in specialist lending will manage the process proactively and anticipate lender information requests before they cause delays." } } ] } ] --- [Skip to content](#main) [London 020 8088 2997 ](tel:02080882997)[National 0333 567 1185 ](tel:03335671185) [![First Rung Now](/assets/logo-mark-CNo3p3DP.png) First Rung Now UK Mortgage Guides ](/) - Mortgages - Remortgages - Buy To Let - Bad Credit - Calculators - Guides - [Find a Broker](/find-a-mortgage-broker) - [About](/about) [London 020 8088 2997 ](tel:02080882997)[National 0333 567 1185 ](tel:03335671185) [Speak to a Vetted Broker](/find-a-mortgage-broker) 1. [Home](/) 2. [Remortgages](/remortgages) 3. Remortgage with Adverse Credit UK Mortgage Guide # Remortgaging with Long-Standing Adverse Credit in the UK For borrowers who already had adverse credit when they originally took out their mortgage — whether through a specialist lender, a family arrangement or a product accessed at the outer edge of high-street criteria — the remortgage conversation is shaped by a different set of questions than it is for someone whose credit deteriorated mid-term. How has the adverse aged? Has it improved, stayed the same or got worse? Is there scope to raise additional capital, consolidate other debts, or simply move to a better rate than the one currently running? This guide addresses all of these questions specifically for borrowers with established, long-standing adverse credit histories. First Rung Now Editorial Updated 15 June 2026 7 min read On this page 1. [Key takeaways](#key-takeaways) 2. [The established adverse-credit remortgage borrower](#the-established-adverse-credit-remortgage-borrower) 3. [Has your adverse credit aged enough to unlock a better tier?](#has-your-adverse-credit-aged-enough-to-unlock-a-better-tier) 4. [Specialist remortgages: the lender landscape](#specialist-remortgages-the-lender-landscape) 5. [Debt-consolidation remortgages](#debt-consolidation-remortgages) 6. [Capital raising on an adverse-credit remortgage](#capital-raising-on-an-adverse-credit-remortgage) 7. [What to expect from the underwriting process](#what-to-expect-from-the-underwriting-process) 8. [Building towards prime rates: the long-term perspective](#building-towards-prime-rates-the-long-term-perspective) 9. [Pros](#pros) 10. [Cons](#cons) 11. [Repossession risk and information disclaimer](#repossession-risk-and-information-disclaimer) 12. [Speak with a vetted mortgage broker about remortgaging with adverse credit](#speak-with-a-vetted-mortgage-broker-about-remortgaging-with-adverse-credit) 13. [Frequently asked questions](#frequently-asked-questions) 14. [Can I remortgage to consolidate debts if I have long-standing adverse credit?](#can-i-remortgage-to-consolidate-debts-if-i-have-long-standing-adverse-credit) 15. [I have had a discharged IVA for two years. Can I remortgage now?](#i-have-had-a-discharged-iva-for-two-years-can-i-remortgage-now) 16. [What is the maximum LTV I can achieve on a specialist remortgage with long-standing adverse?](#what-is-the-maximum-ltv-i-can-achieve-on-a-specialist-remortgage-with-long-standing-adverse) 17. [Can I raise capital against my home if I have adverse credit?](#can-i-raise-capital-against-my-home-if-i-have-adverse-credit) 18. [Are specialist remortgage rates always higher than what I pay now?](#are-specialist-remortgage-rates-always-higher-than-what-i-pay-now) 19. [How long does a specialist remortgage take to complete?](#how-long-does-a-specialist-remortgage-take-to-complete) 20. [Related guides](#related-guides) 21. [Remortgaging When Bad Credit Appeared Mid-Term](#remortgaging-when-bad-credit-appeared-mid-term) 22. [Bad Credit Mortgages Hub](#bad-credit-mortgages-hub) 23. [Bad Credit Bridging Loan: Real-World Scenarios](#bad-credit-bridging-loan-real-world-scenarios) ### Remortgages — related reads Refinancing tactics — including with adverse credit. - [Remortgage with bad credit Which UK specialist lenders refinance adverse-credit borrowers and at what rates. ](/remortgage-with-bad-credit) - [Remortgage to buy another property Release equity from your home to fund a second purchase. ](/remortgage-to-buy-another-property) - [BTL remortgage Timing, ICR refinance gap and capital raising on UK BTL remortgages. ](/buy-to-let-remortgage) - [Best time to remortgage When to apply, lock and complete to avoid SVR exposure. ](/best-time-to-remortgage) - [Bad credit mortgage checker Place your situation on the lender severity scale and see what a specialist will accept. ](/bad-credit-mortgage-checker) Explore the hubs [Mortgages explained](/mortgages)[Remortgages](/remortgages)[Buy-to-let mortgages](/buy-to-let)[Bad credit mortgages](/bad-credit-mortgages)[Mortgage calculators](/mortgage-calculators)[All mortgage guides](/mortgage-guides)[Find a mortgage broker](/find-a-mortgage-broker) ## Key takeaways - Long-standing adverse credit borrowers are the core target market for specialist remortgage lenders. - The key question is whether your adverse has aged enough to access a better rate tier than your current deal. - Debt-consolidation remortgages reduce monthly outgoings but convert unsecured debt to secured — your home is at risk. - Capital raising is available on adverse-credit remortgages at tighter LTV ceilings. - Specialist lenders are almost exclusively intermediary-only — a broker is not optional. - Your home may be repossessed if you do not keep up repayments on your mortgage. ## The established adverse-credit remortgage borrower Want a vetted broker to help with The established adverse-credit remortgage borrower? Free FCA-regulated introduction. We carefully check the broker matches your scenario — no pressure, no upfront fees. [Match me with a broker](/find-a-mortgage-broker) Borrowers with long-standing adverse credit — those who had CCJs, defaults, IVA history or near-insolvency events before they even took out their current mortgage — often have a richer and more complex relationship with the specialist mortgage market than those whose credit problems are more recent. Many will have originally bought or remortgaged through a specialist lender, paid a premium rate relative to prime, and have spent several years building equity while hoping the adverse ages into a better pricing tier. Others will have had their credit position improve substantially and want to reflect that improvement in their mortgage deal. A smaller group will be looking to remortgage while the adverse credit on their file is still live but has become manageable enough to unlock a more competitive specialist product. Whatever the specific trajectory, the specialist remortgage market in 2026 is well-developed and genuinely competitive. Multiple lenders actively seek this business, pricing has become more nuanced and outcome-driven, and brokers who work in this space have far more tools at their disposal than was the case a decade ago. The question for most established adverse-credit borrowers at remortgage time is not whether they can remortgage but what they can achieve and on what terms. ## Has your adverse credit aged enough to unlock a better tier? Remortgages · keep reading - [Remortgage with bad credit Which UK specialist lenders refinance adverse-credit borrowers and at what rates. ](/remortgage-with-bad-credit) - [Remortgage to buy another property Release equity from your home to fund a second purchase. ](/remortgage-to-buy-another-property) Browse the full hub: [Remortgages](/remortgages) Want a vetted broker to help with Has your adverse credit aged enough to unlock a better tier?? Free FCA-regulated introduction. We carefully check the broker matches your scenario — no pressure, no upfront fees. [Match me with a broker](/find-a-mortgage-broker) The single most important question for a long-standing adverse-credit borrower approaching remortgage time is where their adverse items now sit on the ageing scale. Specialist lenders price in tiers that reflect the recency of adverse, and moving from one tier to another can save meaningful money over a five-year fix. As a rough guide, the tier boundaries most specialist lenders apply work as follows. Items registered within the last twelve months attract the heaviest pricing penalty and the most restrictive LTV caps. Items that cross the twelve-month boundary fall into a mid-tier where they still affect pricing but less dramatically. Items crossing twenty-four months are treated with considerably less weight. Once an item reaches thirty-six months it typically has minimal impact on specialist pricing; by four to five years most satisfied items are discounted almost entirely. For a borrower who originally remortgaged onto a specialist product two years ago with a CCJ then four months old, that CCJ is now twenty-eight months old. If it has been satisfied, the borrower has very likely moved from the moderate-adverse tier into the light-adverse tier, potentially saving half a per cent to one per cent per annum on a new product. On a £250,000 mortgage, that is £1,250 to £2,500 a year — a very clear financial argument for remortgaging even if the process involves arrangement fees and legal costs. ## Specialist remortgages: the lender landscape Want a vetted broker to help with Specialist remortgages: the lender landscape? Free FCA-regulated introduction. We carefully check the broker matches your scenario — no pressure, no upfront fees. [Match me with a broker](/find-a-mortgage-broker) The UK specialist remortgage panel for established adverse-credit borrowers is led by a group of lenders who have built their business models specifically around this market. Pepper Money operates a tiered credit scoring system that explicitly maps different adverse profiles to different products, making them unusually transparent about what they will and will not do. Kensington Mortgages has a long track record in the near-prime and moderate adverse space and considers a wide range of income types alongside credit complexity. Bluestone Mortgages takes a manual-underwriting approach to every case, which suits borrowers with complicated combinations of income and credit factors. Vida Homeloans operates a clear severity matrix. Together, primarily known for bridging, also writes specialist term mortgage business for adverse-credit remortgages, particularly where property type or income profile adds further complexity. Most of these lenders are intermediary-only, meaning they do not accept direct applications from borrowers. Their published criteria are frameworks, not firm rules — they reserve the right to price or decline individual cases based on the specific combination of factors presented, which is exactly why a broker experienced in this market is not a luxury but a necessity. A broker who regularly places cases with these lenders understands how each underwriting team reads different adverse profiles, which lender's criteria best fit a specific combination of credit history and income type, and how to present a case to generate the best possible outcome. ## Debt-consolidation remortgages Remortgages · keep reading - [BTL remortgage Timing, ICR refinance gap and capital raising on UK BTL remortgages. ](/buy-to-let-remortgage) - [Best time to remortgage When to apply, lock and complete to avoid SVR exposure. ](/best-time-to-remortgage) Browse the full hub: [Remortgages](/remortgages) Want a vetted broker to help with Debt-consolidation remortgages? Free FCA-regulated introduction. We carefully check the broker matches your scenario — no pressure, no upfront fees. [Match me with a broker](/find-a-mortgage-broker) For many established adverse-credit borrowers, the remortgage decision is driven not just by the desire to secure a better rate on the existing mortgage but by the opportunity to consolidate expensive unsecured debt — credit cards, personal loans, car finance — into the mortgage at a single secured rate. The appeal is obvious: the blended interest rate across multiple unsecured debts can easily run at fifteen to twenty-five per cent per annum, against a specialist mortgage rate of six to nine per cent. Even at the higher end of the adverse-credit mortgage spectrum, the arithmetic of consolidation typically produces a significant reduction in total monthly outgoings. Specialist lenders accept consolidation as a purpose for remortgaging. The additional capital required to clear the unsecured debts is added to the remortgage loan, and the LTV ceiling is typically tightened by five to ten percentage points compared with a straight rate-switch remortgage — most specialist lenders cap consolidation remortgages at around seventy-five to eighty per cent LTV across the range of adverse-credit profiles. Affordability is assessed on the new combined payment at the higher loan amount, which must be serviceable within the lender's criteria. The important caveat on debt consolidation is one that any responsible broker will raise. Converting unsecured debt into secured debt means your home is now the security for those balances. If you fall behind on the combined mortgage payment, the full consolidated amount — including the former unsecured debt — is now at risk of repossession proceedings. Borrowers who consolidate and then rebuild their unsecured borrowing to previous levels end up with both a larger mortgage and the same unsecured commitments they started with, in a worse position than before. Consolidation works as a financial strategy when it is accompanied by genuine behavioural change in how credit is used going forward. Many lenders require evidence of the debts being cleared as a condition of drawdown — the proceeds of the remortgage are paid directly to the creditors rather than to the borrower. This is not a restriction but a sensible discipline that confirms the transaction does what it is supposed to do. ## Capital raising on an adverse-credit remortgage Want a vetted broker to help with Capital raising on an adverse-credit remortgage? Free FCA-regulated introduction. We carefully check the broker matches your scenario — no pressure, no upfront fees. [Match me with a broker](/find-a-mortgage-broker) Beyond debt consolidation, capital can be raised on an adverse-credit remortgage for home improvements, investment, family support or other purposes. The lender will ask what the capital is for — not to pass judgement but to confirm the purpose fits within their product criteria and to ensure the affordability assessment is complete — and the advance will be subject to the same LTV ceiling as the consolidation case, typically five to ten percentage points below the straight remortgage maximum. Home improvement capital raising is generally viewed favourably because it adds to the value of the security property. Investment capital raising is accepted by some specialist lenders and declined by others — the diversity of approach here makes broker advice particularly valuable. Large capital raises — particularly where the purpose involves equity release for a family member or business funding — may require a separate product designed for that purpose, rather than a straightforward remortgage with additional capital. One practical point worth noting: if your adverse credit means the maximum LTV you can achieve is seventy per cent and the property is worth £350,000 with an outstanding mortgage of £230,000, your theoretical remortgage ceiling is £245,000 — only £15,000 of capital raise available. If the improvement or investment project requires £40,000, the remortgage alone will not fund it. A broker can model the gap and identify whether a second-charge loan against the remaining equity is a viable complement, or whether improving the LTV position first (through mortgage repayment or property value growth) is the better approach. ## What to expect from the underwriting process Remortgages · keep reading - [Bad credit mortgage checker Place your situation on the lender severity scale and see what a specialist will accept. ](/bad-credit-mortgage-checker) - [Bad credit bridging loan Short-term asset-backed lending when adverse credit closes high-street doors. ](/bad-credit-bridging-loan) Browse the full hub: [Remortgages](/remortgages) Want a vetted broker to help with What to expect from the underwriting process? Free FCA-regulated introduction. We carefully check the broker matches your scenario — no pressure, no upfront fees. [Match me with a broker](/find-a-mortgage-broker) Specialist remortgage underwriting for established adverse-credit cases is thorough. Lenders want to understand the full picture — not just the credit file items but the story around them. Expect requests for three to six months of personal bank statements, which will be analysed for income pattern consistency, regular commitments, overdraft usage and any transactions that might indicate undisclosed commitments. Payslips or accounts evidence covering twelve to twenty-four months will be required depending on employment type. A written explanation of the adverse credit events — what caused them, when they were resolved, and what has changed since — is almost always helpful and sometimes explicitly requested. Property valuations on specialist remortgages are conducted by RICS-qualified surveyors instructed by the lender. If the property has been improved since purchase, ensure the surveyor is aware of this and that you have evidence of the works — building regulations sign-off, receipts, photographic evidence. An undervaluation at the survey can change your LTV calculation and alter which product you qualify for. The underwriting timeline is typically four to eight weeks for a straightforward specialist case and up to twelve weeks where documentation is complex or where additional queries arise. A broker who manages the process actively — chasing document requests, responding to underwriter queries quickly, and presenting supporting information proactively — can meaningfully shorten this timeline. ## Building towards prime rates: the long-term perspective Want a vetted broker to help with Building towards prime rates: the long-term perspective? Free FCA-regulated introduction. We carefully check the broker matches your scenario — no pressure, no upfront fees. [Match me with a broker](/find-a-mortgage-broker) One aspect of the specialist remortgage conversation that is sometimes overlooked is the trajectory. A borrower who remortgages today onto a specialist product at seven per cent, maintains perfect mortgage conduct over a five-year fix, and watches their adverse items age off the file, will find themselves in a very different position at the next remortgage review. The five-year fix provides the breathing space for adverse items to age, for equity to build, and for income and employment stability to be demonstrated. A specialist remortgage today is not a permanent condition — it is a step in a progression that, managed well, leads back to near-prime or prime lending within one or two review cycles. This longer-term framing also affects the choice between a two-year and five-year fix. For a borrower whose adverse credit is recent but improving, a two-year fix locks in a review point sooner, potentially allowing a move to better pricing once the adverse ages. For a borrower whose adverse is stable and unlikely to improve dramatically in the next two years, a five-year fix provides rate certainty and avoids paying arrangement fees again in two years. A broker who knows your full situation is best placed to model both scenarios and recommend which serves you better. ### Pros - Specialist lenders actively compete for established adverse-credit remortgage business. - Debt consolidation can dramatically reduce total monthly outgoings even at adverse-credit mortgage rates. - Capital raising is available for home improvements and other purposes despite adverse history. - Adverse credit ages on your file — each review cycle gives scope for a better rate tier. - A well-managed specialist remortgage builds the track record needed for future near-prime lending. ### Cons - Rates are materially above prime equivalents — factor in the total cost over the fix term. - Debt consolidation converts unsecured risk to secured — your home is now at risk for those amounts. - Capital raising tightens the already-reduced LTV ceiling. - Heavy adverse — active IVA, recent bankruptcy — narrows the lender panel and pushes rates higher. - All specialist lenders in this space are intermediary-only — direct applications waste time and leave footprints. ## Repossession risk and information disclaimer Remortgages · keep reading - [Best HMO mortgage lenders Who actually competes for HMO mortgages in the UK right now. ](/best-hmo-mortgage-lenders) - [Fixed vs tracker (decision framework) A practical framework for choosing between fixed and tracker in 2026. ](/fixed-vs-tracker-mortgage) Browse the full hub: [Remortgages](/remortgages) Want a vetted broker to help with Repossession risk and information disclaimer? Free FCA-regulated introduction. We carefully check the broker matches your scenario — no pressure, no upfront fees. [Match me with a broker](/find-a-mortgage-broker) Every remortgage arranged with a specialist lender is secured against your property. If you fall behind on payments — whether through an unexpected income change, an expense shock, or a rate reset at the end of a fix — the lender has legal rights to commence possession proceedings. This risk applies regardless of whether the mortgage was arranged for rate-switching, debt consolidation or capital raising. Specialist lenders are not inherently more aggressive on enforcement than high-street names, but the consequences of default are the same across the market. Always ensure the monthly commitment on a new specialist remortgage is sustainable at the rate payable, not just at a lower teaser or initial figure. _Your home may be repossessed if you do not keep up repayments on your mortgage._ _This guide is for general information only and does not constitute regulated financial advice. We are not authorised by the Financial Conduct Authority to provide personal mortgage recommendations. Before remortgaging, please seek independent advice from a qualified, whole-of-market mortgage broker who can assess your specific circumstances._ Vetted UK Broker Match ### Speak with a vetted mortgage broker about remortgaging with adverse credit Free, no-obligation introduction to an FCA-regulated adviser with experience in your specific scenario. We've done the due diligence so you don't have to. - FCA-regulated only - Typical reply in 1 working day - No upfront fees [Match me with a broker](/find-a-mortgage-broker) ## Frequently asked questions ### Can I remortgage to consolidate debts if I have long-standing adverse credit? ### I have had a discharged IVA for two years. Can I remortgage now? ### What is the maximum LTV I can achieve on a specialist remortgage with long-standing adverse? ### Can I raise capital against my home if I have adverse credit? ### Are specialist remortgage rates always higher than what I pay now? ### How long does a specialist remortgage take to complete? ## Related guides [ ### Remortgaging When Bad Credit Appeared Mid-Term Product transfers, rate-switch options and when staying on SVR makes sense after mid-term credit deterioration. Read guide ](/remortgage-with-bad-credit)[ ### Bad Credit Mortgages Hub The full UK specialist mortgage landscape for adverse-credit borrowers. Read guide ](/bad-credit-mortgages)[ ### Bad Credit Bridging Loan: Real-World Scenarios When a short-term bridge is the right route before a specialist remortgage becomes available. Read guide ](/bad-credit-bridging-loan) First Rung Now Independent UK mortgage education and broker matching. We don't sell mortgages — we help you understand them, then connect you with vetted advisers. Brokers are FCA-regulated [hello@firstrungnow.com](mailto:hello@firstrungnow.com) ### Hubs - [Mortgages](/mortgages) - [Remortgages](/remortgages) - [Buy To Let](/buy-to-let) - [Bad Credit Mortgages](/bad-credit-mortgages) - [All Calculators](/calculators) - [All Guides](/mortgage-guides) - [Find a Broker](/find-a-mortgage-broker) ### Calculators - [Affordability Calculator](/calculators/affordability) - [Repayment Calculator](/calculators/repayments) - [Loan-to-Value (LTV) Calculator](/calculators/borrowing) - [Remortgage Savings Calculator](/calculators/remortgage) - [First-Time Buyer Calculator](/calculators/first-time-buyer) - [Buy-to-Let Calculator](/calculators/buy-to-let) - [Home Equity Calculator](/calculators/equity) - [Stamp Duty Calculator](/calculators/costs) - [Overpayment Calculator](/calculators/overpayments) - [Rent vs Buy Calculator](/calculators/comparison) - [Self-Employed Calculator](/calculators/specialist) - [Fixed-Rate Expiry Calculator](/calculators/refinance) - [Salary to Mortgage Calculator](/calculators/income) - [Rental Yield & ROI Calculator](/calculators/investment) ### Bad credit & specialist - [Bad Credit Mortgage Checker](/bad-credit-mortgage-checker) - [Poor Credit Mortgage Lenders](/poor-credit-mortgage-lenders) - [Remortgage with Bad Credit](/remortgage-with-bad-credit) - [Bad Credit + Large Deposit](/mortgage-with-bad-credit-but-large-deposit) - [Contractor Bad-Credit Mortgages](/mortgages-for-contractors-with-bad-credit) - [First-Time Buyer Adverse Credit](/first-time-buyer-adverse-credit-mortgages) - [MIP with Bad Credit](/mortgage-in-principle-bad-credit) ### Buy-to-let & bridging - [Best HMO Mortgage Lenders](/best-hmo-mortgage-lenders) - [Holiday Let Mortgages](/holiday-let-mortgages-best-rates) - [Limited Company BTL](/landlord-misconceptions-limited-company-btl) - [BTL Houses Sheffield](/buy-to-let-houses-sheffield-mortgage) - [BTL Interest-Only Calculator](/buy-to-let-interest-only-calculator) - [Bad Credit Bridging Loan](/bad-credit-bridging-loan) - [Bridging Loans for Bad Credit](/bridging-loans-for-bad-credit) ### Rates, rules & circumstances - [Fixed vs Tracker](/fixed-vs-tracker-mortgage) - [Tracker vs Fixed (Rates)](/tracker-vs-fixed-mortgage) - [Does MIP Include Deposit?](/mortgage-in-principle-deposit) - [House Buying Timeline](/house-buying-timeline) - [Two Residential Mortgages](/two-residential-mortgages) - [Parent–Child Joint Mortgage](/parent-child-joint-mortgage) - [Spouse Visa Mortgages](/mortgage-lenders-for-spouse-visa-uk) - [RIO Mortgage Calculator](/retirement-interest-only-mortgage-calculator) - [Overpay Mortgage or Pension](/overpay-mortgage-or-pension) © 2026 First Rung Now. Educational content — not financial advice. Your home may be repossessed if you do not keep up repayments on your mortgage. [About](/about)· [Privacy](/privacy-policy)· [Terms](/terms)· First Rung Now is not a broker. We connect users with FCA-regulated mortgage advisers. [Match me](/find-a-mortgage-broker)[Call Us](tel:03335671185)