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    We are a specialist First and Second Mortgage Adviser.

    Trust us to find the right solution for you.

    If you are worried about your past poor credit history,

    we can help you find a suitable mortgage solution.

    We know how difficult and sensitive financial issues are and

    we will answer all your questions in a discreet and confidential manner

    Bad Credit Mortgages & IVA Mortgage Specialists

    The Select Partnership is a specialist in helping customers who have experienced financial difficulties in the past, or who don’t meet certain criteria of many high street lenders, to obtain a mortgage or second charge mortgage loan.

    Bad credit, sometimes called adverse credit or poor credit, can be as simple as missed payments on your credit card or something more serious like County Court Judgements (CCJs), defaults, an Individual Voluntary Arrangement (IVA), bankruptcy or missed mortgage payments.

    We have a wealth of experience and special arrangements with a number of well known mortgage lenders.

    If you are worried that your past financial difficulties might affect your chances of obtaining a mortgage or second charge mortgage loan, contact us now.

    We know how difficult and sensitive financial issues are and we will answer all your questions, by telephone or email, in a discreet and confidential manner. Using our service will also save you any potential embarrassment of a personal interview with a prospective lender.

    Let us help you find the mortgage you are looking for.

    What do I need to get a mortgage?

    The headings below are some of the areas lenders consider when you apply for a mortgage, although different lenders may place more importance on one area than others. Some mortgage lenders even use a credit scoring system which awards points in various areas and a minimum score must be reached to be accepted.

    Deposit

    In the current mortgage climate some mortgage lenders may lend up to a maximum of 95% of a property value, although this will vary depending on your individual circumstances, including your credit history. Deposits can be accepted from a variety of sources and don’t always have to come from your own savings, although they will normally need to be evidenced. So, for instance, if you have a family member who is willing to help, you may be able to improve your chances of being accepted.

    Income

    Lenders will often accept income from a variety of sources such as employment, self-employment, pension, tax-credit etc. but they have different rules in terms of what they will accept and the way they assess whether the loan is affordable to you. You will always need to prove your income.

    Credit History

    All lenders will take into account your payment history, for example whether you have kept up repayments on a mortgage, loans and credit cards, or whether you have entered an IVA or been made bankrupt. Of course we will need to make sure that you can afford your repayments in the future but, just because you have missed payments in the past, it doesn’t mean you can’t get a mortgage in the future.

    Property

    The mortgage lender will need a valuation of the house you are buying or wish to remortgage. This is because they will lend you money (the mortgage) based on the value of the property and they have to be sure it is worth what it is claimed to be worth. If for any reason you do not keep up your payments they may repossess the property and sell it to get their money back.

    Summary for successful mortgage applications

    We have tried to describe the four main areas that mortgage lenders consider when assessing your mortgage application. In short there are a number of things which could affect your chances of getting a mortgage. Sometimes the more times you apply the harder it can get because lenders will get to know about other applications you have made. If you are having difficulty it is often best to get professional advice.

    Contact us today, free on 0800 012 9995 to talk to a Specialist Mortgage Adviser. Alternatively you can enquire online for free using our enquiry form or email us by clicking the box opposite.

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    Send us mail

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    Testimonials

    It was an honour to have Tim Strong represent me, very patient. Will recommend him to all my family and friends. All staff very helpful and friendly.

    Miss BWrexham

    A big thank you to Tim Strong as he made my dream come true. A very happy customer.

    Miss GEast Sussex

    Excellent service from start to finish will certainly recommend! Thank you.

    Mr WConway

    The girls who have contacted me have been extremely polite and helpful. The person who arranged the loan was very informative and explained my options very clearly. I was very comfortable discussing my finances with him. Every step of the process was explained to me. I feel the service given by Select Partnership is excellent. Thank you!

    Ms MManchester

    Amy and Gina were absolutely brilliant! Very grateful for your professionalism and help with resolving my IVA.

    Mrs HBristol

    Everyone we have dealt with has been excellent. Very efficient service. Done promptly and received paperwork next day! Very happy with service throughout, thank you.

    Mr & Mrs HCheshire

    All who made calls to us were friendly and easy to talk to. Found all very helpful.

    Mr & Mrs NSurrey

    First class service that helped me to provide a successful conclusion to my IVA.

    Mr ILiverpool

    Kept up to date at every stage throughout the process, friendly, polite, would highly recommend to family and friends.

    Ms PWest Yorkshire

    Very professional and approachable.

    Mr & Mrs SSheffield

    Everyone we have dealt with has been excellent. Very efficient service. Done promptly and received paperwork next day! Very happy with service throughout, thank you.

    Mr & Mrs ALeicester

    Nice to talk to polite and well mannered staff.

    Mr & Mrs HDevon

    Very good customer service, we will definitely recommend you with friends.

    Mr & Mrs DKent

    Praise to all who looked after me, the updates and keeping me informed was second to none, brilliant, thank you for all your help.

    Mrs FSlough

    Amy and Gina were absolutely brilliant! Very grateful for your professionalism and help with resolving my IVA.

    Mr & Mrs SPlymouth

    All staff were polite and first class. I usually like to do these things face to face but under the circumstances this was not possible, so phone and by letter was the only option which went well.

    Mr & Mrs AGloucestershire

    Very pleased with all aspects. The process was clearly explained to us both. All staff we spoke to on the phone were polite and friendly.

    Mr & Mrs ACleveland

    Anyone I spoke to were courteous and knowledgeable, thank you for all your help.

    Mr & Mrs CEssex

    Amy was brilliant and very helpful, thank you for making the process so easy.

    Mr S & Miss RNorth Humberside

    Staff were always well spoken and friendly.

    Mr & Mrs DHertfordshire

    Excellent and very helpful.

    Mr SMiddlesex

    Gina was very helpful and always gets back to you.

    Mr & Mrs PLoughborough

    All staff were very good but in my initial telephone conversation with Kevin Clarke I was reassured and felt I was making the correct decision, He was so helpful and patient.

    Mr & Mrs LMansfield

    Kevin Clarke has been professional and helpful throughout.

    Miss PWolverhampton

    Very professional.

    Mr GLeicester

    Select Partnership handled our affairs extremely well and the staff were very helpful.

    Mr & Mrs BStoke-on-Trent

    First person I spoke to answered all our questions and very polite. Made the whole process easy to understand and kept us informed throughout. Thank you!

    Mr & Mrs MManchester

    All the staff were great! A big thank you for making a really stressful time easier to cope with.

    Mr & Mrs HKent

    Amy and Gina were both amazing,they made any questions we had answered and re answered if needed, Ken was very helpful too.

    Mrs & Mrs BWellingborough
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    The Select Partnership, Riverside House, Brymau 3 Estate, River Lane, Chester CH4 8RQ
    T: 01244 674411 F: 01244 674477 E: info@theselectpartnership.co.uk W: theselectpartnership.co.uk

    The Select Partnership is a trading name of 2020 Home Loans Limited which is authorised and regulated by the Financial Conduct Authority. Registration No. 306725. 2020 Home Loans Limited is registered in England and Wales No. 04094260. Registered Office – Riverside House, Brymau 3 Estate, River Lane, Chester CH4 8RQ. Vat No. 167 6413 89 Privacy Statement | Legal Information

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