Business Details
27 Years
experience
Your Trusted Mortgage Broker in Keighley
Selective Mortgages has been a trusted name in the adverse credit mortgage sector since 1999. Our expertise lies in connecting clients with specialist lenders who consider applications beyond the rigid criteria of high-street banks. With over two decades of experience, we navigate complex credit histories, including defaults, CCJs, and IVAs, to secure competitive mortgage solutions. Our direct authorisation by the Financial Conduct Authority ensures access to the entire market, while our commitment to transparent communication guarantees regular updates throughout the application process. We pride ourselves on transforming challenging financial situations into successful homeownership stories, supported by a track record of repeat clients 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 underwriting.
- We offer whole-of-market access to specialist lenders unavailable through networks.
- We provide same-day updates on mortgage application progress.
- We specialise in cases declined by other brokers due to complex credit histories.
- We guide clients through deposit requirements and affordability assessments.
Associations and certifications
- Financial Conduct Authority
What people say
Huge relief
Smooth running
Extremely professional
Best insurance
Highly competitive rates
Services
Adverse Credit Mortgages
Specialist mortgages for clients with defaults, CCJs, or IVAs. We partner with niche lenders to offer tailored solutions where high-street banks decline applications. Our process includes detailed affordability assessments and deposit guidance. Clients benefit from our direct access to underwriters and 20+ years of sector expertise.
Secured Loans
Loan options secured against property equity for clients with complex credit profiles. We negotiate terms with specialist lenders to ensure manageable repayments. Our service includes risk assessments and documentation support to streamline approvals for borrowers declined elsewhere.
Buy to Let Mortgages
Mortgages for property investors with adverse credit histories. We leverage relationships with niche lenders to secure competitive rates. Our guidance covers deposit requirements, rental income assessments, and portfolio management strategies tailored to non-standard applicants.
Self Employed Mortgages
Mortgage solutions for self-employed individuals with irregular income or credit challenges. We present detailed financial profiles to specialist lenders, focusing on business sustainability and cash flow rather than rigid income multiples.
Remortgages
Remortgaging options for clients seeking to consolidate debts or adjust terms despite adverse credit. We negotiate with lenders to release equity or reduce rates, prioritising affordability assessments to ensure long-term financial stability.
Questions
Can I get a mortgage with a CCJ or IVA?
Yes. We work with lenders accepting applications with historic CCJs, IVAs, or bankruptcies, provided you meet deposit and affordability criteria.
What deposit is required for adverse credit mortgages?
Minimum 10% deposit, though some cases require 15-40% depending on credit severity and lender criteria.
How does your application process work?
We conduct an initial assessment, identify suitable lenders, submit applications, and manage documentation until mortgage completion, with daily updates.
Do you charge fees for your services?
Our fees are disclosed upfront during initial consultations. We provide a detailed breakdown before proceeding with any application.
Can self-employed applicants qualify?
Yes. We assess business sustainability and income patterns, working with lenders accepting non-traditional financial documentation.
Are your rates higher than high-street lenders?
Rates reflect risk profiles but are competitive within the specialist market. We negotiate terms to ensure affordability aligned with your circumstances.
Reviews (2)
Jon S.
Nov 01, 2019
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Despite having adverse credit i have just completed on my first house through Selective Mortgages. From start to finish Phil has been nothing short of outstanding. Would highly recommend.
Rukun Ahmed
May 27, 2019
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Have supported the organisation with their IT requirements for several years. In that time I would like to add that what Phil offers as a service is excellent and comforting for those who look towards getting a mortgage. The advice is first class and should anybody be looking for a mortgage broker Phil should be the first call
