Best Aldermore Remortgage Deals 2026

Yes — Aldermore is a strong choice for self-employed borrowers, often accepting just one year's accounts and taking a sensible, manual view of variable or recently-changed income, where automated high-street lenders may decline. Its underwriters assess cases individually. Present clean accounts and SA302s to support your application. A broker can confirm whether Aldermore or another specialist best fits your self-employed income profile.

Aldermore considers near-prime borrowers with minor or historic credit blips that high-street lenders reject, assessing each case manually. It's not a deep-adverse specialist like some lenders, so for serious or recent adverse credit, Kensington, Precise or Pepper may be more suitable. Providing context on any credit issues helps. A broker can match the severity of your credit profile to the right specialist lender.

Yes — Aldermore is a broker-only (intermediary) lender for mortgages, so you can't apply directly; you'll need a mortgage broker to access its deals. This is common among specialist lenders, whose flexible, manually-underwritten products are designed to be packaged and presented by intermediaries. A broker also ensures Aldermore is the right fit versus other specialists for your circumstances.

Yes — Aldermore has a solid specialist buy-to-let range, including for limited-company (SPV) landlords and some complex cases. It applies flexible, manual underwriting to BTL as well as residential lending. For landlords whose cases don't fit mainstream BTL lenders, Aldermore is worth comparing alongside Paragon, Kent Reliance and Foundation. A buy-to-let broker can place your case with the most suitable specialist.

Aldermore suits borrowers who value flexibility over the very lowest rate — the self-employed with limited accounts, those with complex or recently-changed income, near-prime credit, and buy-to-let or limited-company landlords with cases that don't fit automated systems. For clean-credit, straightforward employed borrowers, a high-street lender is usually cheaper. A broker can tell you whether Aldermore's flexibility is worth its slightly higher rate for your situation.