Find out if Axio Mortgages can help you remortgage for debt consolidation with bad credit in 2026. Axio Mortgages is a new lender that is not featured on the comparison websites. They offer a new, open-minded approach to people with bad credit.

New direct lender
Fast in-principle 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

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How To Remortgage For Debt Consolidation With Bad Credit In 2026

The cheapest money you will ever borrow will likely be based on the 1st charge on your home.

Because of the lender’s security, pledging a high-quality asset lets them offer you 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 gather all your paperwork to show the lender 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 affecting 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 good. A secured loan may be a better option.

Is there another way to consolidate debt to lower my monthly payments? 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?

You may have 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 remortgage with bad credit, the lender will review the 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 explain how to prove your income and get your home valued. Releasing 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 about my credit card debts and balance transfer credit cards?

The advantage of credit cards is that it is not secured borrowing. So, in the worst case, you can deal with this debt differently than a bad credit history would further advance.

For people looking for stated income finance in 2026, Ravenwood Services can often help with a shortage of paperwork or contracts. Some lenders still offer interest-only mortgages to minimise monthly outgoings. Rates start at 2% above the Bank of England base rate, and some lenders offer fixed rates for 2 to 5 years.

When it comes to credit scoring, self-employed people will always score lower than full-time employees. UK law protects the employed at the employer’s expense. Lenders really care about 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 many lenders Ravenwood Mortgage Services knows 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 2026?

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 they are unsuitable for your credit score. We aim to get your mortgage application right the first time. If you don’t have any accounts because you haven’t done them and haven’t paid your taxes, it would be unwise to tie up money in an illiquid asset like a residential or commercial property, as the taxman could take it quickly and easily.

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 want to upgrade your home cheaply while maintaining your stock portfolio, self-certification mortgages are an ideal option.

US stocks are a bit expensive now, but European and UK stocks are still relatively cheap, considering the low interest rates.

Yorkshire Building Society

Tipton and Coseley Building Society
Royal Bank of Scotland
Coventry Building Society
NatWest
Yorkshire Building Society
Halifax interest-only mortgage
Halifax
Legal and General
HSBC
Nationwide Debt Consolidation
Nationwide Debt Consolidation
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 in 2026 at an excellent rate below 85% LTV—with 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, it’s had to enforce a mortgage with no proof of income, so a 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.

Metrobank Secured Loan
NatWest Bank Secured Loan
No Broker Fees Secured Loans
HSBC Bank Bridging Loans
Co-operative Bank Secured Loan
Halifax Secured Loan
Secured Loan Broker
Lloyds Bank Secured Loan

Debt Consolidation Loans Bad Credit

Best Mortgages for Over 60s
Non-Status Mortgages
No Broker Fees Secured Loans
Interest Only Buy to Let Mortgages
Remortgages from Ravenwood Services
High Loan-to-Value Buy to Let Property Mortgages
No Guarantor

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

Mortgages For Over 60S Money Saving Expert

Debt Consolidation Loan Direct Lender

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