While many people plan to apply adverse remortgage for their existing homeowner loan; only few are able to avail it. Have you ever wondered why? Well the answer is quite simple. Besides your current loans, many other things like your credit card details, your other financial deal get reflected on your credit statement. Â CML divides money borrowers into three main categories low adverse, medium adverse, high adverse. If you unfortunately get classified into high adverse, most money lenders will refrain from giving you further mortgages. To know more about adverse remortgage, visit Thriftyscot.co.uk. It has many articles regarding it which you can read and understand.