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Choosing the right type of re-mortgage if you have bad credit

When it comes to mortgages, the list of what’s available is endless. Banks and building societies are continuously updating and expanding the range of mortgages they offer, so shopping around to find the right one for you can be a bit daunting.

Fixed Rate Mortgage

With a fixed rate mortgage you’ll pay a set amount of interest for an agreed period; you’ll know exactly what you’ll be paying back each month. When the fixed period ends you’ll usually move to the mortgage provider’s standard variable rate.

Flexible Rate Mortgage

Flexible rate mortgages, sometimes called variable mortgages, have been developed to cope with changes that could occur in the borrowers financial circumstances (for example, job loss). They’re designed to allow you to alter your repayments to suit your situation.

Base Rate Tracker Mortgage

This type of mortgage has an interest rate that tracks the Bank of England’s base lending rate. Mortgages of this sort can last for a few years, reverting to the lender’s standard variable rate after that, or they can be for the whole mortgage term, known as a lifetime tracker.

Offset Mortgage

Many offset mortgage deals allow you to link credit cards to your current account, or to link mortgages, credit cards, savings and loans together. Although all the accounts remain separate and can be managed separately, as an offset mortgage holder you’ll benefit from reduced interest payments.