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First time buyer

Here we have everything you need to know as a first time buyer. The basics to give you an understanding of what's what and a comprehensive list of extra costs involved

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Buying a home

Select Mortgages have a helpful list with the basics of the major mortgages, broken down into the pro’s and con’s and who the mortgage is best suited to.

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Remortgaging my home

Switching your mortgage deals can save you a lot of money in the long run. Select Mortgages can help you get the ball rolling and advise you on the best routes to take.

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Buying to let

If you want to make some money on your property and let it out as a landlord, you will need a Buy-to-Let mortgage. Here you will find all the basics of buying to let.

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Why choose us as your broker? There are a number of benefits to using a broker as opposed to directly dealing with a bank which many home buyers are unaware of. We have a selection of reasons below that only touch the surface when it comes to a better deal for you and your mortgage. Hover over each item to find out more.

Comparing the Market

Comparing the Market

We have access to multiple lenders to find the best rates and lowest fees for you.

This is Personal

This is Personal

We provide you with a personal and tailored experience and we are freely accessible.

Suffer From Bad Credit?

Suffer From Bad Credit?

If you're having trouble due to low credit scores or income issues, we could be the answer for you.

Get a Free Quotation

Get a Free Quotation

Advice from a qualified independent broker can be very beneficial, especially when its free.
What makes us different...
Select Mortgages & Loans provides you with a totally free service from quotation advice right through to completion. We specialise in sourcing re-mortgages with free valuation/ free solicitor & no arrangement fees.
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We have the answers for you Leave it to us to keep you informed of any changes to mortgaging, be it good or potentially harmful.
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Covering a range of lenders

We scan the whole market to get a competitive deal for you. With your best interests at heart, we work with a range of lenders, to ensure you get a mortgage that fits your needs as best as possible.

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Mortgages to suit you We've handpicked the mortgage types that best suits you. Scroll through the different mortgages on offer. If one takes your interest, then dont waste your time and click the find out more button. Find out the pros and cons of the chosen mortgage type.
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  • Corporate Mortgages

    Otherwise known as a commercial mortgage, this type of mortgage is a loan for a property that you do not…

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  • Ltd Company Mortgages

    A Ltd Company mortgage is a kind of Buy-To-Let (link to buy to let) mortgage, the difference being that you…

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  • Capital Raising

    Capital raising is a way of re-mortgaging your home in order to release funds for other purposes. These funds could…

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  • Re-Mortgages

    Re-mortgaging is the process of taking out a new mortgage on a property that you already have an existing mortgage…

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  • Buy-to-Let Mortgages

    This is for when you want to purchase a property with the intent to rent it out

    find out more...

  • 95% Mortgages

    This is a loan which covers 95% of the value of the property you are looking to buy. These mortgages…

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  • Cashback Mortgage

    A cashback mortgage is one which offers a cash bonus for choosing certain lenders. This cash can be anything from…

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  • Capped Rate Mortgage

    A capped rate mortgage is a type of variable rate mortgage (link back to variable rate). The difference with this…

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  • Interest Only Mortgage

    With this mortgage, your repayments are only paying back the interest each month. This will make your monthly repayments smaller.…

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  • Repayment Mortgage

    As the most popular mortgage available, this option simply requires you make monthly repayments for a mutually agreed term (usually…

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  • Tracker Mortgage

    Also known as a Tracker Mortgage, this type tracks the Bank of England interest rate for a set period of…

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  • Fixed Rate Mortgages

    This mortgage means the interest rate (and monthly repayments) will stay the same for a specified period of time. This…

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Keeping you up-to-date Leave it to us to keep you informed of any changes to mortgaging, be it good or potentially harmful.
First Time Buyers

Why do you need a Mortgage Broker?

January 18, 2018

Here's how you can benefit from our no fee services
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Property

The Best Areas to Buy in 2018

January 17, 2018

Here are our best picks for property locations in 2018.
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First Time Buyers

Stamp Duty Changes: All you Need to Know

December 31, 2016

November 22nd 2017 marked a step forward for first time buyers being able to afford their own home.
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First Time Buyers

Our Top 10 Ways to Save

December 30, 2016

Handy tips to consider when saving for a hefty deposit.
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Calculators to get you started Calculate your potential when buying a new home.

How much will my mortgage costs be

Get an instant estimate of how much you can borrow with the click of a button and tick off the boxes for how feasible a mortgage can be for you.
Calculate payments

How much can I borrow?

We have created a calculator to give you an estimate of how much you can borrow in relation to your annual salary. This can also be combined with your partners salary.
Find Out
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