Business Details
27 Years
experience
Your Trusted Mortgage Broker for Adverse Credit Solutions
Selective Mortgages was established in 1999 to address the specific needs of clients with adverse credit histories seeking mortgage solutions. Our team has over two decades of experience navigating the complexities of non-standard mortgage applications, including defaults, CCJs, and bankruptcy. As a directly authorised firm by the Financial Conduct Authority, we maintain strict compliance with regulatory standards while offering access to a comprehensive range of specialist lenders. Our approach combines deep sector knowledge with a commitment to transparency, ensuring clients receive tailored advice and regular updates throughout the application process. We specialise in cases declined by mainstream lenders, leveraging our relationships with underwriters to secure approvals for complex scenarios.Our service extends beyond initial approval, with ongoing support for remortgaging and buy-to-let investments. Client testimonials consistently highlight our responsiveness, with same-day communication and proactive liaison with solicitors and estate agents. We require minimum deposits starting at 10% and assess applications based on individual circumstances rather than rigid criteria. Our physical presence in Keighley, combined with nationwide service delivery, positions us to assist clients across the UK. This combination of regulatory compliance, specialist market access, and client-focused service has resulted in a high rate of repeat business and referrals.
Services
Adverse Credit Mortgages
Remortgages
Secured Loans
Buy to Let Mortgages
Self Employed Mortgages
Details
- Year established: 1999
Highlights and features
- We have over 20 years of experience in adverse credit mortgage markets
- Direct access to all UK specialist mortgage lenders
- FCA regulated for client protection and compliance
- Personalised service with same-day communication
- Proven success with clients declined by other brokers
Associations and certifications
- Financial Conduct Authority
What people say
Extremely professional
Took all the stress
Huge relief
Very supportive
Competitive rates
Services
Adverse Credit Mortgages
Specialist mortgage solutions for clients with adverse credit histories including defaults, CCJs, and bankruptcy. We work with lenders who consider applications based on individual circumstances rather than standard criteria. Our service includes detailed assessment of income, deposit, and credit history to identify suitable options.
Remortgage Services
Tailored remortgaging solutions for clients seeking to change lenders or adjust mortgage terms. We specialise in cases with existing adverse credit issues, ensuring competitive rates while maintaining compliance with FCA regulations and lender requirements.
Secured Loans
Secured loan options for clients needing additional funds against property equity. We assess each application individually, considering credit history and repayment capacity to match clients with appropriate lenders offering competitive rates.
Buy to Let Mortgages
Specialist buy-to-let mortgage arrangements for property investors with adverse credit histories. Our service includes portfolio assessment, income verification, and lender matching to secure financing for rental property investments.
Self Employed Mortgages
Mortgage solutions tailored for self-employed individuals with complex income structures. We work with lenders who accept SA302 tax calculations and business accounts, providing access to competitive rates despite adverse credit histories.
Questions
What is an adverse credit mortgage?
An adverse credit mortgage caters to applicants with negative credit history such as defaults, CCJs, or bankruptcy. These mortgages consider individual circumstances beyond standard credit scores.
How can Selective Mortgages help if I've been declined elsewhere?
We specialise in cases declined by mainstream lenders, using our 20+ years' experience and direct access to specialist lenders to find suitable mortgage solutions for complex situations.
What deposit is required for adverse credit mortgages?
Minimum deposits start at 10% of the property value, though some schemes require higher deposits depending on the severity of adverse credit history.
Are your mortgage rates higher than standard lenders?
Adverse credit mortgages typically have higher interest rates reflecting increased risk, but we work to secure the most competitive rate available for your specific circumstances.
How long does the mortgage application process take?
Applications typically take 4-8 weeks depending on lender requirements and document availability, with regular progress updates provided throughout the process.
Do you offer remortgaging options for adverse credit cases?
Yes, we provide remortgaging solutions for clients seeking to change lenders or adjust terms, specialising in cases with existing adverse credit issues.
