Bad credit can be a hurdle when trying to switch or refinance a mortgage. Lenders use your credit history to assess the risk of lending to you. If you've had recent credit issues, it indicates a higher risk, and lenders might be hesitant to approve a switch. However, it's not impossible. Some specialised lenders cater to those with bad credit, but they might offer less favourable terms or higher interest rates. Improving your credit score, providing a larger down payment, or demonstrating a stable income can help in getting approval.