Ben Richards Mortgages ( Mortgage Select SW Ltd ) is an FCA-regulated mortgage broker based in Cornwall, TR8 4UD, specialising in Buy-to-Let, First Time Buyers, Help to Buy and 2 other areas. Rated 4.8/5 from 25 reviews.
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Meet our experienced team of mortgage professionals
Ena Coles
19 Nov 2025Thank you Ben! From the very beginning, when owning a home was just a distant thought, Ben was there to help with any queries big or small. Now myself, my boyfriend, our baby girl and dog have our forever home and couldn’t have done it without Ben’s help and guidance. Thanks again Ben. I would recommend Ben’s services to anyone .
Chris Talbot
8 Oct 2025Ben, service was exceptional informative on hand whenever required. He helped with advice regards quite a complicated chain I was in. Setting up the mortgage with Ben couldn't of been easier would highly recommend.
Laura Montviliene
30 Aug 2025EXCELLENT service from start to finish 👍 As a first time buyer who doesn't know a thing how mortgages works Ben been brilliant with us. Really good communication,we contacted him with a barrage of questions, which he answered straight away. Ben kept us always up to date with the process. Got the best offers out too. We highly recommend Ben for anyone looking for help with their mortgage 💯
Bethany Rose Yoga & Edu
17 Mar 2025Our mortgage was quite simply the least stressful part of our whole house buying experience thanks to Ben. He is so knowledgeable and explains everything incredibly clearly so you understand. He’s super responsive to any questions and works quickly. He got our DIP arranged practically overnight! And the mortgage was sorted before anything else. I’d highly recommend Ben to everyone looking for a competent, quick, reliable and friendly broker. ⭐️⭐️⭐️
Cam Stevenson
22 Oct 2024I had a fantastic experience working with Ben and his team as my mortgage advisor. He was knowledgeable, patient, and guided me through every step of the process with ease. Ben took the time to explain all my options, making sure I felt confident in my decisions. His professionalism and dedication truly made a difference, and I couldn't be happier with the service he provided. I highly recommend Ben to anyone looking for a reliable and supportive mortgage advisor!
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Regulatory Status
Direct Authorisation
FCA Number
456022Practical guides and explainers from our blog — relevant to this mortgage type.
The proposed UK holiday tax could cost £500 million and may increase costs for landlords and first-time buyers in the short-term rental market.
UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.
Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.
Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.
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