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Author: Lewis Fifty21

Self-Employed Remortgage Criteria in the UK

Self-Employed Remortgage Criteria in the UK

Posted on Posted on3rd September 20261st September 2026By Lewis Fifty21

A remortgage can feel straightforward until a lender asks how your income is made up. For company directors, sole traders, … Read MoreSelf-Employed Remortgage Criteria in the UK

What Adverse Credit Buy to Let Lenders Look For

What Adverse Credit Buy to Let Lenders Look For

Posted on Posted on1st September 20261st September 2026By Lewis Fifty21

A buy-to-let application can feel particularly frustrating when a property appears to stack up on paper, but your credit history … Read MoreWhat Adverse Credit Buy to Let Lenders Look For

Mortgage After a Repossession History in the UK

Mortgage After a Repossession History in the UK

Posted on Posted on27th August 20261st September 2026By Lewis Fifty21

A repossession can feel like it has closed the door on home ownership for good. In practice, a mortgage after … Read MoreMortgage After a Repossession History in the UK

Getting a Mortgage With One Year of Accounts

Getting a Mortgage With One Year of Accounts

Posted on Posted on25th August 20261st September 2026By Lewis Fifty21

For many self-employed people, the first full set of figures can feel like a milestone – and a barrier at … Read MoreGetting a Mortgage With One Year of Accounts

Correcting Credit Report Errors Before a Mortgage Application

Correcting Credit Report Errors Before a Mortgage Application

Posted on Posted on20th August 20261st September 2026By Lewis Fifty21

A mortgage application can be held up by something as simple as an account marked late when it was paid … Read MoreCorrecting Credit Report Errors Before a Mortgage Application

How Missed Payments Affect Mortgage Applications

How Missed Payments Affect Mortgage Applications

Posted on Posted on18th August 20261st September 2026By Lewis Fifty21

A missed payment can feel like a permanent mark against you, particularly when you are trying to buy a home … Read MoreHow Missed Payments Affect Mortgage Applications

Why One Mortgage Lender May Decline You and Another May Not

Why One Mortgage Lender May Decline You and Another May Not

Posted on Posted on13th August 202624th August 2026By Lewis Fifty21

A mortgage approved after previous decline example is rarely a story of one lender being generous while another was not. … Read MoreWhy One Mortgage Lender May Decline You and Another May Not

Buy-to-Let Remortgage Options With Mortgage Arrears

Buy-to-Let Remortgage Options With Mortgage Arrears

Posted on Posted on11th August 202624th August 2026By Lewis Fifty21

A buy-to-let arrears mortgage is a specialist borrowing scenario, not a straightforward tick-box application. Whether you are trying to remortgage … Read MoreBuy-to-Let Remortgage Options With Mortgage Arrears

Can You Get a Mortgage After Payday Loans?

Can You Get a Mortgage After Payday Loans?

Posted on Posted on6th August 202624th August 2026By Lewis Fifty21

A mortgage after payday loans can be possible, but the way the loans appear in your recent financial history matters … Read MoreCan You Get a Mortgage After Payday Loans?

Remortgage Options After Bankruptcy

Remortgage Options After Bankruptcy

Posted on Posted on4th August 202624th August 2026By Lewis Fifty21

A remortgage can feel particularly daunting after bankruptcy, especially if your previous lender or a high street bank has already … Read MoreRemortgage Options After Bankruptcy

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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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