New Remortgage Deal needed with adverse credit

pepper33

Hi I am new to the forum, but I am looking for advice on how to find a remortgage deal as the Chelsea Building Society have changed their criteria and will not lend us another 5000 which we need to finish off the home improvements. We both had bad credit ratings, but that was over 4 years ago, since then we have no extra loans and no adverse credit. We have been paying a remortgage for nearly 3/4 years, and have kept the payments up, and the Chelsea have said that there would be no problem, but then they changed their criteria, whereby they do not lend to anyone with adverse credit. Our fixed rate deal is coming to an end in September, and I want to change before then. I live in Northern Ireland. Any advice would be great. thanks

Mithos

What's your LTV? Are you able to change to another Chelsea product in September? Perhaps you could consider a loan of 5k elsewhere?