Although Big Loans is one of the largest finance brokers in the UK, we understand your needs, and do all we can to make the whole process as painless and hassle free as possible. Low rates! Big Loans offer some of the most competitive rates in the market. All circumstances considered. Big Loans have special plans for CCJs, mortgage arrears, self-employed - with or without proof of income, and zero/negative equity. We are part of the Thames Valley Business network and are accredited by both the Loan Market Association and the Financial Services Authority. A remortgage gives you the chance to clear your existing mortgage, plus any arrears or other debts, and leaves you with one easier to manage monthly repayment. All circumstances considered, however difficult Discharged Bankrupts and IVAs considered. All circumstances considered, however difficult, including CCJs, mortgage arrears, and self employed with no income proof, from Virgin Money.