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Author: Lewis Fifty21

What to Ask After Your Mortgage Has Been Declined

What to Ask After Your Mortgage Has Been Declined

Posted on Posted on17th June 202610th June 2026By Lewis Fifty21

A mortgage decline can feel final, but the most useful response is not always to apply elsewhere straight away. Before … Read MoreWhat to Ask After Your Mortgage Has Been Declined

Tagsdeclined mortgage application, mortgage application advice, mortgage decline, mortgage lender criteria, mortgage underwriting, specialist mortgage broker
Getting a Mortgage After a Debt Management Plan

Getting a Mortgage After a Debt Management Plan

Posted on Posted on15th June 202610th June 2026By Lewis Fifty21

A debt management plan can feel like a line drawn through your mortgage plans, especially if you have already been … Read MoreGetting a Mortgage After a Debt Management Plan

Tagsadverse credit mortgage, debt management plan, mortgage after DMP, mortgage application advice, poor credit mortgage, specialist mortgage broker
Should You Remortgage or Take a Secured Loan?

Should You Remortgage or Take a Secured Loan?

Posted on Posted on12th June 20263rd June 2026By Lewis Fifty21

If you need to raise money against your home, the choice between secured loan vs remortgage options can feel less … Read MoreShould You Remortgage or Take a Secured Loan?

Tagsadverse credit remortgage, debt consolidation, mortgage advice bad credit, remortgage, second charge mortgage, secured loan
How to Check Your Credit Report Before Applying for a Mortgage

How to Check Your Credit Report Before Applying for a Mortgage

Posted on Posted on11th June 20263rd June 2026By Lewis Fifty21

A mortgage application can go off course long before a lender says yes or no. Quite often, the issue starts … Read MoreHow to Check Your Credit Report Before Applying for a Mortgage

Tagscredit file mortgage, credit report, mortgage application advice, mortgage credit check, preparing for a mortgage application, specialist mortgage broker
Getting a Right to Buy Mortgage With a CCJ

Getting a Right to Buy Mortgage With a CCJ

Posted on Posted on10th June 202610th June 2026By Lewis Fifty21

A right to buy ccj mortgage can be possible, but it usually comes down to detail rather than headline credit … Read MoreGetting a Right to Buy Mortgage With a CCJ

Tagsadverse credit mortgage, CCJ mortgage, council house mortgage, right to buy mortgage, right to buy with CCJ, specialist mortgage broker
How a Default Affects Your Mortgage Options

How a Default Affects Your Mortgage Options

Posted on Posted on9th June 20263rd June 2026By Lewis Fifty21

A default on your credit file does not automatically end your chances of getting a mortgage, but it does change … Read MoreHow a Default Affects Your Mortgage Options

Tagsadverse credit mortgage, default mortgage, mortgage after default, mortgage lender criteria, poor credit mortgage, specialist mortgage broker
Why One Mortgage Lender Says No and Another Says Yes

Why One Mortgage Lender Says No and Another Says Yes

Posted on Posted on8th June 20263rd June 2026By Lewis Fifty21

A mortgage can feel particularly frustrating when you know you can afford the payments, yet a lender says no. That … Read MoreWhy One Mortgage Lender Says No and Another Says Yes

Tagsmanual underwriting, mortgage application advice, mortgage lender criteria, mortgage underwriting, specialist mortgage underwriting
How to Prove Self-Employed Income for a Mortgage

How to Prove Self-Employed Income for a Mortgage

Posted on Posted on5th June 20263rd June 2026By Lewis Fifty21

If you are applying for a mortgage and do not have payslips, the question is usually the same from the … Read MoreHow to Prove Self-Employed Income for a Mortgage

Tagscontractor mortgage, mortgage application advice, proving self-employed income, SA302 mortgage, self-employed income evidence, self-employed mortgage
Why Is My Bad Credit Mortgage Rate Higher Than Expected?

Why Is My Bad Credit Mortgage Rate Higher Than Expected?

Posted on Posted on4th June 20263rd June 2026By Lewis Fifty21

Being offered a mortgage after credit problems can feel like progress, but the rate may still come as a shock. … Read MoreWhy Is My Bad Credit Mortgage Rate Higher Than Expected?

Tagsadverse credit mortgage rates, adverse credit remortgage, bad credit mortgage rates, mortgage affordability, poor credit mortgage, specialist mortgage broker
Applying for a Mortgage After Arrears

Applying for a Mortgage After Arrears

Posted on Posted on3rd June 20263rd June 2026By Lewis Fifty21

Missing payments can leave you feeling as though home ownership has moved further away, especially if you have already been … Read MoreApplying for a Mortgage After Arrears

Tagsadverse credit mortgage, mortgage affordability, mortgage after arrears, mortgage arrears, remortgage after arrears, specialist mortgage broker

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Contact Details

Head Office Address:
Selective Mortgages
31 Farley Cresent
Oakworth
Keighley
BD22 7SH

Phone:
01535 640800
Mobile:
07986 388 080

Email:
admin@selectivemortgages.co.uk

Monday – Friday 08:00 – 19:30
Saturday 09:00 – 17:00


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Client Testimonials Our Customer Testimonials

Client Testimonials

Mrs and Mrs Bennion

Hello Phil,


We  wanted to say a big thank you for all your help, you have been great throughout the whole process of finding the correct mortgage for our particular needs , making it as smooth running as could be. Keeping us promptly updated with all information and always there to receive a call from a worrying wife. Thank you again for being extremely professional and making things far less stressful in an already tense time. We will definitely be back for your services in the future.


Thank you

Selective Mortgages Ltd
2015-06-11T14:38:03+01:00
Hello Phil, We  wanted to say a big thank you for all your help, you have been great throughout the whole process of finding the correct mortgage for our particular needs , making it as smooth running as could be. Keeping us promptly updated with all information and always there to receive a call from a worrying wife. Thank you again for being extremely professional and making things far less stressful in an already tense time. We will definitely be back for your services in the future. Thank you
https://www.selectivemortgages.co.uk/testimonials/mrs-and-mrs-bennion/

Jenny Orchard

Phil at Selective Mortgages was a huge help and very supportive when it came to helping me finding a mortgage, I don't have good credit and he took all the stress out of finding a mortgage. Unlike many advisors I spoke to, Phil at Selective Mortgages got back to me almost straight away to say he had found me a mortgage! I couldn't believe it, it was a huge relief to know that I could buy my house! I received help and guidance throughout the whole mortgage application process.

Even after the mortgage had been approved he ensure I had the best insurance I would need. I would definitely recommend Selective Mortgages, they did what no other mortgage broker would even try to do and at very competitive rates!
Selective Mortgages Ltd
2015-06-11T14:38:25+01:00
Phil at Selective Mortgages was a huge help and very supportive when it came to helping me finding a mortgage, I don't have good credit and he took all the stress out of finding a mortgage. Unlike many advisors I spoke to, Phil at Selective Mortgages got back to me almost straight away to say he had found me a mortgage! I couldn't believe it, it was a huge relief to know that I could buy my house! I received help and guidance throughout the whole mortgage application process. Even after the mortgage had been approved he ensure I had the best insurance I would need. I would definitely recommend Selective Mortgages, they did what no other mortgage broker would even try to do and at very competitive rates!
https://www.selectivemortgages.co.uk/testimonials/jenny-orchard/

Holly Uttley

Hi Phil, Just wanted to drop you a note to say thank you for all of your help with the house, we moved in at the weekend and love it so well worth the wait!

Thanks again
Selective Mortgages Ltd
2015-06-11T14:38:37+01:00
Hi Phil, Just wanted to drop you a note to say thank you for all of your help with the house, we moved in at the weekend and love it so well worth the wait! Thanks again
https://www.selectivemortgages.co.uk/testimonials/holly-uttley/

Penny Clifford

Dear Phil,


I moved in the bungalow on Saturday with my son Joseph and we are both very happy.


I would like to take this opportunity to say a massive 'Thank you to you' for helping me get my mortgage and my new life!


 I feel at home for the first time in, possibly twenty years or more.


Yours sincerely,

Selective Mortgages Ltd
2015-06-11T14:38:50+01:00
Dear Phil, I moved in the bungalow on Saturday with my son Joseph and we are both very happy. I would like to take this opportunity to say a massive 'Thank you to you' for helping me get my mortgage and my new life!  I feel at home for the first time in, possibly twenty years or more. Yours sincerely,
https://www.selectivemortgages.co.uk/testimonials/penny-clifford/

Matt & Hazel

Hi Phil,


Hopefully all will go through ok and it will be a fantastic Christmas gift for the both of us!


Will keep you advised and thank you from the both of us for finding a mortgage as you were the only broker or bank manager we went to who was actually able to help us.

Selective Mortgages Ltd
2015-06-11T14:39:16+01:00
Hi Phil, Hopefully all will go through ok and it will be a fantastic Christmas gift for the both of us! Will keep you advised and thank you from the both of us for finding a mortgage as you were the only broker or bank manager we went to who was actually able to help us.
https://www.selectivemortgages.co.uk/testimonials/matt-hazel/
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Selective Mortgages Ltd

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01535 640800
07986 388080

admin@selectivemortgages.co.uk

Monday – Friday 08:00 – 19:30
Saturday 09:00 – 17:00

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