A bad credit remortgage is simply a method of re-financing your house with different terms, possibly with a different lender. If you have bad credit you will probably find it difficult to get a traditional mortgage to refinance your home. Some banks will offer a what is called a "bad credit remortgage" or "adverse credit remortgage". These loans may have higher interest rates than a traditional mortgage, but will stretch the loan out over a longer period of time, resulting in lower monthly payments. The lender will usually have other terms you have to meet in order to reduce their risk. An adverse credit remortgage will place your home at risk if you can't meet the payment terms.

The process of getting a remortgage with bad credit is pretty much the same as getting a regular remortgage: You MUST shop around and you MUST understand the terms. Realize that banks exist to make money, and no bank is going to refinance your home (with or without bad credit) without there being some profit in it for them. With a bad credit remortgage, they may be reducing your monthly payment while adding years onto the loan, resulting in more money for the bank in the long run. Also watch out for fees or special conditions that you have to meet during the loan term.