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Mortgages
As a specialist mortgage packager and a wealth of experience in the industry, we are able to offer you the following mortgage options:
Self-certification
Designed for those who cannot prove sufficient income such as the self -employed or derive income from sources not generally acceptable to lenders such as benefits, rent or investment income. The Select Partnership has access to an extensive range of product, even available to first time buyers and up to 95% loan to valuation
Commercial Mortgages
This is a complex and specialised market dominated by the banks and specialist lenders on the one hand, and the non–conforming providers who charge usurious rates of interest on the other. The Select Partnership offers a facility that is simplicity itself. We provide a fast and efficient commercial service through lenders who understand commercial property and clients with doubtful credit histories and unsubstantiated proof of income at highly competitive rates and terms.
Buy to Let
Never has this market been so active. The Select Partnership offers the widest range of product and mortgage loans are available based on either a rental yield, income or purely on existing mortgage conduct.
Sub-prime
It is often assumed that mortgage facilities are not available to those with poor credit histories. The market is more than accommodating and will cater for most contingencies ranging from Missed Loan or Credit Card payments and Defaults to Mortgage Arrears, County Court Judgments, Individual Voluntary Arrangements and Discharged Bankruptcy. The Select Partnership can provide solutions across the board at rates and on terms that would not look excessive from a bank or building society. Self-certification is available in all cases.
Right to Buy
Council tenants, exercising their rights to purchase their council properties are thwarted at times because of an inability to prove income and/ or rent arrears, or adverse credit.
Let to Buy
Most of our lenders will provide funds for those who would prefer to retain their existing home to let out and purchase a new residential property. Products are available in all the varieties described above.
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