
Find out if Axio Mortgages can help you remortgage for debt consolidation with bad credit in 2025. Axio Mortgages is a new lender that is not featured on the comparison websites. They have a new open-minded view of people with bad credit.
- New direct lender
- Fast in principal decision with no hard credit search
- Free home valuation
- The full market value applied to all homes, including leasehold houses and flats
- Consolidate all your debts, including 2nd and 3rd charge loans
- 90% loan to value
- 5.15% fixed for life
- No early repayment charges
- One penalty-free payment holiday per year if you need one
- No lender fees, completion fees or broker fees

How To Remortgage For Debt Consolidation With Bad Credit In 2025
The cheapest money you will ever borrow will likely be based on the 1st charge on your home.
Because of the lender’s level of security, the pledge of an asset that is high quality, then the lender can award you with a good rate, even if you have had problems with defaults, ccjs and arrears in the past.
Is it easy to get a debt consolidation remortgage?
Yes, it can be very easy. Just get all your paperwork together to prove to the lender that you can afford the payments.
Do debt consolidation mortgages have a lot of fees?
No, for example, Axio Mortgages have no fees at all. And they have a free valuation.
Are Axio Mortgages a regulated mortgage lender?
Yes, Axio Mortgages is an established regulated mortgage lender.
Does a debt consolidation mortgage impact my credit report
No, you can get a debt consolidation mortgage decision in principle without any impact on your credit rating or credit report.
Will my monthly repayments be higher than my existing mortgage payments?
With debt consolidation mortgage lenders, you get a bigger mortgage to pay off your other existing debts, so your payment will likely be higher.
Could a debt consolidation mortgage broker suggest I keep my existing lender?
They could say yes if your existing mortgage deal is a good one. A secured loan may be a better option for you.
Is there another way to consolidate debt so my monthly payments are lower? I have a poor credit rating.
Debt consolidation remortgages are very common, but if your unsecured borrowing is very high, you might be better off with an IVA or DMP.
I have a remaining mortgage balance and multiple lenders 2nd charge mortgage loans. What are my options?
There are other debt consolidation options without changing your current mortgage provider, even with missed payments. You should get professional advice.
How much will my unsecured debt change my mortgage advice?
When you get a remortgage with bad credit, the lender will look at your unsecured debts in your credit file, but your monthly payment and overall interest payments should go down.
How does a debt consolidation mortgage work?
A mortgage broker will tell you about proving your income and getting your home valued. Release equity with a poor credit score can be expensive with specialist lenders, as not all remortgage deals save money.
Is it a good idea to remortgage to pay off debt?
If the mortgage debt consolidation calculator suggests it’s practical, it can be a good idea. But if you have too much debt, it might be worth doing an IVA or debt management.
Should I seek professional advice when it comes to my credit card debts and balance transfer credit cards?
The advantage of credit cards is it is not secure borrowing. So, in the worst case, you can deal with this debt differently to a bad credit history further advance.
For people looking for stated income finance in 2025, Ravenwood Services can often help with a shortage of paperwork or contracts. Even now, some lenders are willing to minimise monthly outgoings with interest-only mortgages. The rate starts at 2% above the Bank of England base rate, with some lenders offering deals with fixed rates for 2 to 5 years.
When it comes to credit scoring, self-employed people will always score lower than full-time employees. The laws in the UK protect the employed at the expense of the employer. What a lender really cares about is a borrower’s ability to service their mortgage. Back in the 2000s, self-cert mortgages were very popular. Ravenwood Services can help you find a mortgage that fits based on today’s lenders’ terms.
How many years of accounts, if any, are needed?
Two years of accounts from a reputable chartered accountant, a good credit history and an appropriately sized deposit are often all that are needed. Many of the mortgages available via Ravenwood Services are the same mortgage products as for people with jobs. All the leading high-street lenders are willing to accept the self-employed. Some very risk-averse high-street lenders like to see 3 years accounts. But there are many lenders that Ravenwood Mortgage Services know that require much less proof of income. Don’t forget if you have income from buy-to-let properties, bonds or stocks, this may help you also.
Things that might help you:
The following are essential but not mandatory: • A good credit score • Up-to-date accounts, both personal and for your company if you have one • Your SA302s from the inland revenue • Proof of other income, including dividends from shares and rental income
What lenders want in 2025?
The more you can offer the lender, the better the deal you will get. Also, the more you give to Ravenwood, the more lenders we can start a dialogue with, minimising the risk of refusal. Ravenwood doesn’t want you to apply for mortgages you will get refused as it is unsuitable for your credit score. We aim to get your mortgage application right the first time. If you have not got any accounts because you have not done them and have not paid your taxes, it would be unwise to tie up money in an illiquid asset like a residential or commercial property as it would be rapid and easy for the taxman to take them.
UK Interest Only Mortgages
Lenders recently re-entering the mortgage market are offering interest-only terms. Self-cert mortgages are back for the British people. Borrower loan-to-value (LTV) can be 80%, 85%, 90%, or even up to 95%.
No Doc Mortgage – interest only?
If you are a high-net-worth individual and you simply want to cheaply upgrade your home to maintain your stock portfolio, self-certification mortgages are an ideal opportunity.
US stocks are a bit expensive now, but European and UK stocks are still relatively cheap, considering the low interest rates.
Tipton and Coseley Building Society
Royal Bank of Scotland
Coventry Building Society
NatWest
Yorkshire Building Society
Interest only lifetime mortgage Santander
Halifax
Legal and General
HSBC
Nationwide Building Society
Nationwide
Lloyds
RBS
Traditional lenders Loan to Income Ratios
Many mainstream good credit only prime lenders have an LTI ratio of around 4 to 4.5. Ravenwood has a lender that will consider applications with 6x wages mortgages 2025 at an excellent rate below 85% LTV—better rates at 75% LTV or lower. Also, we have a lender that will consider 95% LTV at 5.5 LTI.
Recently self-employed?
Find out from Ravenwood about a good lender that lends to people with only one year’s accounts. These deals are nearly as good as Self-certified mortgage options from many years ago.
When will selfcert.co.uk come back with money to lend? Well its had to enforce a mortgage with no proof of income, so self-assessment mortgage is a very risky option for a responsible lender.
Rates for a poor credit remortgage don’t need to be much higher than the big banks as long as the loan to value is not very high.


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If you are interested in options for financing your home purchase or remortgage with the minimum of paperwork, without the need for accountants and other third-party verification, please inquire below.
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