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Select Mortgages & Loans Ltd

Mortgage Brokers · Swansea · Est. 2023

3 years

Active Trading

Active

CH Status

15041459

Company No

2025

Accounts to

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Company Registration Details

Registered company name	Select Mortgages & Loans Ltd
Companies House number	15041459 →
Company type	Private Limited Company (Ltd)
Registered address	Brynhir Lodge Bryn Hir Penclawdd, SA4 3JB
City / Region	Swansea
Date incorporated	2023
Years trading	3 years
CH status	Active
Specialism	Recorded activity: 64922
Index status	Claim this listing →

About Select Mortgages & Loans Ltd

Incorporated in 2023, Select Mortgages & Loans Ltd is a relatively recently established firm. Newer entrants to the UK financial services market often bring fresh approaches, specialist expertise and a strong digital proposition built for modern client expectations.

The Kaeltripton Financial Index records 5754 mortgage brokers nationally, 8 of them in Swansea.

The FCA register is the authoritative check that a firm can lawfully advise on regulated mortgage contracts.

What Mortgage Brokers Do

Mortgage advisers assess affordability, recommend a product and manage the application through to offer. Firms differ in market coverage, and FCA rules require that coverage to be disclosed at the outset of advice.

Away from vanilla purchases, lender appetite varies widely, and matching case to lender is the skill being bought.

How to Choose the Right Mortgage Broker

The right firm depends on the case: a first-time buyer and a limited-company landlord need different lender relationships. Ask any prospective firm how many lenders it can place with and whether it has handled cases like yours recently.

FCA rules require the fee model, lender-paid, client-paid or both, to be set out before advice proceeds.

Frequently Asked Questions

Do I need a mortgage broker or can I go directly to a lender?

You can approach any lender yourself. What a broker adds is market coverage and criteria knowledge, which shows its value on higher loan sizes, complex income or previously declined applications.

How much does a mortgage broker charge?

Some brokers charge you nothing directly and are remunerated by the lender; others charge a disclosed client fee. Confirm the total cost of the service in writing before proceeding.

What documents do I need to provide to a mortgage broker?

Identity documents, address proof, bank statements, income evidence and details of debts form the core; self-employed applicants should have two to three years of accounts or tax calculations ready.

How long does the mortgage process take when using a broker?

Mainstream lenders typically issue an offer within two to six weeks of submission; specialist cases run longer. Active case management, chasing the lender and resolving queries promptly, is where a firm shortens the timeline.

Can a mortgage broker help if I have been declined by a lender?

Yes, and this is where criteria knowledge earns its fee: lenders differ sharply on credit history, income types and property construction, and a decline at one lender often converts to an approval at another with the right placement.

Other Mortgage Brokers in Swansea

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Important notice: This page presents publicly available information from the Companies House register. Kaeltripton.com is a directory service and is not affiliated with Select Mortgages & Loans Ltd or any listed firm. This page does not constitute financial advice. Always verify a firm's regulatory status on the FCA Register at register.fca.org.uk and its Companies House status at companieshouse.gov.uk before entering into any arrangement.

Select Mortgages & Loans Ltd | Mortgage Brokers | Swansea | Est. 2023