Best Precise Mortgages Remortgage Deals 2026

Precise uses defined product tiers based on how old and severe your adverse credit is. Old, satisfied markers fall into the cheapest near-prime tiers; moderate or more recent markers sit in mid tiers at higher rates; recent or unsatisfied markers are in higher tiers priced for risk. This clear tiering makes pricing predictable — a broker can quickly see which tier your credit profile lands in and what rate to expect.

Yes — Precise is a well-regarded adverse-credit specialist, with clear tiers for CCJs, defaults and missed payments. The older and more satisfied your markers, the cheaper the tier; recent or unsatisfied issues sit higher. Its transparency is a key strength. For your exact profile, a broker can compare Precise against other adverse-credit specialists like Pepper and Kensington to find the best available tier and rate.

Yes — Precise Mortgages is a broker-only (intermediary) lender, so you can't apply directly; you'll need a mortgage broker to access its deals. This is standard for specialist lenders, whose tiered, manually-assessed products are designed to be packaged by intermediaries. A broker also ensures Precise's tier for your credit profile is genuinely the best available versus other specialists.

Yes — Precise has a strong buy-to-let and limited-company range, including for landlords with adverse credit, applying the same clear, tiered approach. It's a solid option for BTL borrowers whose cases don't fit mainstream lenders, whether due to credit, income or structure. A buy-to-let broker can compare Precise's BTL tiers against Paragon, Kent Reliance, Aldermore and Foundation for your specific landlord profile.

It depends on your exact credit profile. Precise's strength is its clear, predictable tiering, which makes pricing transparent for defined adverse-credit situations. Kensington offers very flexible, individual underwriting that can suit more unusual or complex cases. Neither is universally better — the right choice depends on the age, severity and type of your credit issues plus your income. A specialist broker compares both to find your best tier and rate.