Mortgage brokers with access to bad credit mortgages. Selective Mortgages were formed in 1999 and specialise in providing mortgages, remortgages and secured loans for clients who have past or current adverse credit registered. We have access to a number of specialist bad credit mortgage lenders who will consider applications that do not meet with the strict criteria applied by high street banks. We also have access to some smaller building societies who are able to consider minor adverse credit