First Select Mortgage Brokers

Whole-of-market mortgage advice from Manchester

First Select Mortgage Brokers is the trading name of First Select Financial Solutions Ltd, a company registered in England and Wales with registration number 15097263 and a registered address at 74 Dickenson Road, Manchester, M14 5HF. The firm presents itself as independent and whole-of-market, meaning it works with the major banks, building societies and specialist lenders rather than a single provider, and states that it maintains relationships with lenders able to consider a broad range of customer circumstances.

The brokerage describes its advisers as qualified and friendly, and frames its role around guiding clients through each stage of arranging a mortgage. Its directors bring, according to the company, more than 35 years of experience in finance and banking at some of the largest banks, combining corporate banking knowledge with the service approach of a smaller business.

Mortgage types covered

The firm organises its offering around the borrower's situation rather than around a single product line. The categories it lists are:

• First-time buyer – purchase support for those buying their first home, explained from start to finish.
• Right to Buy – mortgages for buying a council home with the associated discount and little or no cash deposit.
• Shared Ownership – purchase of a first home with a smaller, more affordable mortgage and little or no cash deposit.
• Remortgage – moving to a better deal, lower monthly payments, more flexible features or paying off the mortgage sooner.
• Home mover – support when moving home, whether porting an existing mortgage or arranging a new one.
• Complex credit – cases where past credit issues would otherwise block a mortgage.
• Buy to Let – finance for investors building a property portfolio.
• Self-employed – mortgages for borrowers whose income comes from self-employment.
• Complex and non-standard properties – large acreage, properties with two or more kitchens, annexes, high-rise flats and refurbishment cases.

A four-stage application process

The company outlines a structured route through the application, applied to all clients:

• Fact find and sourcing: after an initial call, client details are captured through an online fact-find, goals and circumstances are reviewed, and suitable lenders are approached.
• Decision in principle and application: advice and a recommendation are provided, a DIP/AIP is obtained from the chosen lender, a DIP certificate is issued and the application begins.
• Offer and legals: valuations are arranged and the application is driven to a full binding legal offer; where a purchase is involved, the client's solicitor leads with the brokerage's support.
• Protection and review: existing life and critical illness cover is reviewed, and a diary reminder is set to revisit the mortgage at the end of the incentive or fixed period.

Protection, insurance and additional services

Alongside mortgages, the firm lists insurance and protection among its service areas, and its protection and review stage includes checking existing life and critical illness cover. It also operates a recommend-a-friend scheme that rewards referrals with a £50 Amazon voucher, and states that it is recruiting mortgage advisers.

Two dedicated portals are named in the company's timeline: First Select Bridging Loans, launched in May 2024 for bridging and commercial loans, and First Select Life Insurance, launched in September 2026 for life insurance and protection.

Company history

The site sets out a short chronology: First Select Financial Solutions Ltd was formed and incorporated at Companies House in August 2023; it obtained FCA authorisation in November 2023; the bridging and commercial portal followed in May 2024; and the life insurance and protection portal launched in September 2026.

Regulation and how the firm is authorised

First Select Financial Solutions Ltd trades as First Select Mortgage Brokers and is an appointed representative of Cornerstone Finance Group Ltd, which is authorised and regulated by the Financial Conduct Authority under FCA number 767202. Cornerstone Finance Group Ltd is registered in England and Wales, number 08458702, with a registered office at Unit E Copse Walk, Pontprennau, Cardiff, Wales, CF23 8RB. First Select Financial Solutions Ltd carries reference 1003376 on the Financial Services Register.

The firm's risk warning notes that a home or other property can be repossessed if repayments on a mortgage or any other loan secured against it are not kept up, and that most buy-to-let and commercial mortgages are not regulated by the Financial Conduct Authority.

Client feedback and market figures cited

The site quotes a client comment describing an adviser named Claire as having explained everything and made the process simple and straightforward. It also cites sector statistics: that 87% of UK mortgages are arranged through a broker, that 96% of borrowers are satisfied or very satisfied with their broker, and that 88% of first-time buyers use a mortgage broker.