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Yes, you can remortgage even if one of you on the joint application has adverse credit. Most lenders will add your credit scores together, and you'll need to meet their minimum score to be considered. Some mortgage companies prefer to look at your scores individually.
It is certainly possible to remortgage with poor credit. Different bad credit situations will require different mortgage solutions. Don't worry if you have a bad credit score, it doesn't always mean you can't remortgage your property. There are likely to be options available to you.
On a joint mortgage, all borrowers' credit scores matter. Lenders collect credit and financial information including credit history, current debt and income. Lenders determine what's called the "lower middle score" and usually look at each applicant's middle score.
As long as your new loan-to-value ratio is 90% or lower, you'll only need a 500 credit score to qualify for an FHA refinance. If it's higher than this, a 580 score is required. Keep in mind these are just the minimums set out by the Department of Housing and Urban Development.
Porting a mortgage ? transferring an existing loan to a different property ? is relatively common in Canada and the United Kingdom but rare in the United States. In any jurisdiction, porting can only happen if the lender allows it and, especially in America, few lenders will approve porting.