CIS Contractor Mortgages Based on Your Day Rate
Increase the amount you can borrow and buy the house you want with a mortgage based on your CIS tax vouchers or payslips rather than your salary and dividends, even if you’re new to contracting.
Borrow based on your day rate
No accounts required
Increase the amount you can borrow
Buy the house you want
Why CIS Contractor Mortgages Are Different
If you’re a CIS contractor, the problem with getting a mortgage is rarely your income.
It’s the way lenders assess it.
Most lenders are set up for straightforward salaried employees. When income comes weekly CIS tax vouchers or payslips, day rates, umbrella payslips or limited companies, many lenders struggle to assess it properly.
This can result in you:
- Being told you can borrow far less than expected
- Being asked for accounts you don’t yet have
- Or worse, being declined despite earning well and having an ongoing contract.
This is because CIS contractor income doesn’t fit neatly into a standard payslip. Day rates, weekly tax vouchers, payslips, holiday pay, adjustments and income flowing through a limited company are often misunderstood or ignored altogether. To the wrong lender, that complexity looks like risk, even when your income is stable and predictable.
Meanwhile, permanent colleagues and friends on similar notice periods are assessed easily, simply because their income looks familiar on paper.
Apply to the wrong lender and you risk wasted time, unnecessary stress, and a declined application that still leaves you no closer to buying the property you want.
A Smarter Way to Assess CIS Contractor Income
But it doesn’t have to be that way because at Bluebell Mortgages, we have a detailed knowledge of CIS contractor mortgages.
We understand how CIS contractor income works in practice, whether you’re paid through an umbrella company or your own limited company, or receive weekly or monthly tax vouchers and we know which lenders are genuinely comfortable assessing contractor applications properly.
Instead of forcing your income into criteria that was never designed for CIS contractors, we:
• Start with your contract and day rate
• Translate that into a realistic borrowing figure
• Match you with lenders who assess CIS contractor income sensibly
This means your application is structured correctly from the outset, reducing delays, avoiding unnecessary rejections, and removing the guesswork.
In many cases, your mortgage can be based on your day rate, not restricted by salary, dividends or company profits. Meaning you can borrow more without having to restructure your income, or take extra money out of the business just to satisfy a lender who doesn’t understand CIS contractor pay.
To find out how much you could borrow, fill in our one-minute enquiry form below or call us on 01473 213312
By sending a request you are agreeing to the terms and conditions of our Website’s Privacy Policy and are consenting for us to contact you using these details.
Borrow more. Buy the house you want.
Without being penalised for how you’re paid.
Borrow based on your day rate
No accounts required in many cases
Potential to increase how much you can borrow
Why CIS Contractors Choose Bluebell Mortgages
Comprehensive Range of Mortgages From Across The Market
We have access to over 100 lenders, including those who are happy to lend to CIS contractors, even if you’ve only recently made the move into contracting.
By using the right lender and presenting your income correctly, you could borrow more, secure a better rate, buy the house you want and avoid settling for less. We don’t just help with purchases. We also arrange CIS contractor mortgages for:
• Remortgage – secure a better rate
• Raising capital
• Home improvements
• Debt consolidation
So you don’t have to stay stuck with your current lender.
Save Time and Avoid Rejections
We have a detailed understanding of CIS contractor mortgages. Once we’ve reviewed your situation, we’ll know which lenders are most likely to say yes.
That means no wasted applications, no unnecessary credit checks, and no weakening your credit profile by applying to the wrong lender.
We handle everything from sourcing the right mortgage to preparing your application and managing the paperwork. You’ll also have a dedicated administration team supporting your case from start to finish and liaising with estate agents, solicitors and other parties to keep things moving.
Fast Decisions When You Need Them
When you find the right property, timing matters.
Thanks to our streamlined processes and deep knowledge of the CIS contractor mortgage market, once we have the key information we need, we can often secure a Decision in Principle on the same day.
So you can move quickly and secure the house you want.We can even help you negotiate with estate agents and provide them the information they need to remove the property from the market.
One Point of Contact. No Call Centres.
You’ll deal with a real person throughout, not a call centre.
We can work with you by video call, phone, email or face-to-face — whatever suits you.
Even if your own bank has already said no, speak to the specialists who know where to look.
Find out how much you could borrow and which lenders are most likely to say yes.
Fill in the online enquiry form or call 01473 213312 to speak directly to a mortgage adviser.
Borrow more. Buy the house you want.
Without being penalised for how you’re paid.
By sending a request you are agreeing to the terms and conditions of our Website’s Privacy Policy and are consenting for us to contact you using these details.
What our clients say...
- Michele Stebbens 01 Apr 2026Great serviced, they were always on the end of the phone if I had a problem, thank you Bluebellread moreread less
Laura J 27 Mar 2026Great customer service.
We have used Bluebell for many many years on a few different properties and have always been really happy with them. Every team member we have dealt with has been really helpful and provided a great level of service. Would highly recommend.read moreread less
Fiona 03 Mar 2026Bluebell are excellent , they have helped us over the years with remortgaging and insurances. They are always extremely helpful and we would thoroughly recommend them. They helped us to be able to change our mortgage and buy our new home. They even sent us a card when we moved in. Thank you team Bluebell - Fiona and Stephenread moreread less
Aimee 27 Feb 2026Esme, Tara and Ben at Bluebell Mortgages have all been so helpful. As a first-time buyer I've found their guidance invaluable through this process. Thank you so much!read moreread less
- Cecilia Compton 23 Feb 2026Fantastic service and suport from Michelle and the wider team - I would strongly recommendread moreread less
marie harvey 20 Feb 2026Hi I have used Bluebell several times now and they always deliver .
Many thanks to all their team .read moreread less
Kevin Clarke 11 Feb 2026Bluebell have been very helpful supporting me with my mortgage. This is the second time i have used them to complete my mortgage. Esme is very professional, polite and friendly and is the reason i have continued to come back.read moreread less
Tarryn Bellenger 10 Feb 2026Rachel was absolutely amazing! She was so knowledgeable and informative, it made me feel secure in what is a very stressful process. Her communication and response times were outstanding and she guided me through all the ups and downs during the application often going above and beyond! Thank you Rachel, we have our first house thanks to you!!read moreread less
- Michael Rivers 04 Feb 2026The team at Bluebell Mortgages have managed my mortgage and re-mortgaging for as many years as I can remember. Always a communicative and resourceful service offering reliable and trustworthy products. Thank you for your consistent professional approach.read moreread less
David Groth 03 Feb 2026Excellent from beginning to end. The second time we have used them for our mortgage. Always professionalread moreread less
Ivan Bradford 29 Jan 2026I found the staff at Bluebell Mortgages to be very friendly and willing to assist me assess my options when my mortgage came to the end of its fixed rate. They identified the options available and explained them to me in a very straight forward considered way which enabled me to make an informed choice. I highly recommend them if you are facing similar choices.read moreread less
Will Spurr 26 Jan 2026Bluebell were outstanding! As a first-time buyer, they made everything super clear and logical. My purchase ended up being much longer and trickier than expected, and Bluebell supported me through every stage. Amy, Esme, Tara and team were incredibly proactive (especially whenever other stakeholders were slow) and I lost count of the number of times that Esme found and secured a better interest rate before completion - which saves me hundreds of pounds each year. They went above and beyond the brief and I'm so grateful to them. I can't recommend Bluebell enough!read moreread less
- Hetty Madge 16 Jan 2026Esme & her team did an incredible job getting my mortgage sorted. Esme is knowledgeable and efficient in her communication. Thank you so much for helping me stay in my home!read moreread less
Darren Clements 06 Jan 2026Thanks very much to Esme , Tara and Amy for sorting out my remortgage . Everything went very smoothly and without any fuss so I would definitely recommend Bluebell Mortgages . Great professional and also friendly serviceread moreread less
Ollie 29 Dec 2025Friendly, effective and great communication throughout. Always extremely helpful. Thank youread moreread less
Raju Miah 19 Dec 2025I had an excellent experience with Bluebell Mortgages. The customer service was outstanding, and Esme was incredibly helpful, professional, and supportive throughout the entire process. Communication was clear and consistent, making everything feel easy and stress-free. I would 100% recommend Bluebell Mortgages for their reliable and high-quality service.read moreread less
- Toby Trimble 03 Dec 2025Working with Ben and Amy on our mortgage application has been a really positive experience. They were always helpful and responsive to any request we had. When challenges came up, they were proactive in finding practical, constructive ways forward, which was incredibly helpful throughout.read moreread less
Nazma Begum 18 Nov 2025Thank you Bluebell Mortgage, they have even a great help in helping me and my husband get our first mortgage, they were very kind and friendly and guided us well, they responded very quickly and answers our questions swiftly and promptly. I want to do a special mention and thanks to Esme, she was lovely to us and was very friendly. Highly recommend their services.read moreread less
Gilberto Ruiz Hueck 18 Nov 2025In my life I have had used about 5 mortgage advisors (6 including Bluebells). As a comparison, I can say that Bluebells is new Rolls Royce and the other mortgager advisors are 30 year old Russian car. There are three reasons for this:
1) Other mortgager advisors are not familiar with all options in the market (eg bridge loans).
2) Other mortgage advisors are not able to get the level of loan-to-salary ratios that Blue Bell gets. Even when comparing same banks (ie apple with apples) !!
3) Bell explains all the permutations available, whereas others typically provide one off the shelf option.
4) I had a case several years ago where I almost lost my property because the mortgage advisors were not answering quickly in critical times. Ben responds quickly as he knows parts of the process are critical.
5) Ben is explains patiently and clearly.
6) Ben's recommended solicitors, which were also fantastic.
Many big thanks to Ben and Amy !
Gilberto and Citlaliread moreread less
Sue Wiltshire 10 Nov 2025Such a great team, very helpful, professional, caring and understanding, nothing too much trouble. Gold stars to all.read moreread less
- Paul Madge 08 Nov 2025A first class experience: professional support throughout the process, always clear and prompt in dealing with questions. Excellent!read moreread less
Howard Newport 03 Nov 20255 STAR Service everytime, we have been working with Bluebell Moertgages for over 20 years, they always search for the best deals for their clients. and keep us well informed throughout the journey,
They are great team always willing to give advice 10/10read moreread less
David Rainbow 31 Oct 2025The team at Bluebell have been exceptional from start to finish. They have seen me through the most stressful times in my life and I have ended up with my forever home. Nothing has been too much trouble and they have patiently explained everything to me. They have been proactive on my behalf and cared about getting me to where I wanted to be. I recommend them to everyone I can. Thank you.read moreread less
Andrew Lovlee 29 Oct 2025Great service always! Been using Ben and his team for over 5 years and will continue to work with him and his team. All the staff are helpful and very attentive.read moreread less
- payal subramanium 29 Oct 2025We have been with the Blue Bell team for quite some time. Their expertise in navigating the mortgage market was impressive. From start to finish the communication was seamless, and the team kept us informed every step of the way. Thanks Amy, Ben and rest of the team for everything.read moreread less
Jo Rostron 29 Oct 2025Amazing service as always from Bluebell. Trouble free re mortgage.read moreread less
Abdul Azim 16 Oct 2025I was recommended Bluebell by a family member, and it was one of the best decisions I’ve made. From the first call to completion, the team were professional, friendly, and made the whole mortgage process simple and stress-free. I had previously been with another brokerage that made things complicated and didn’t offer the best options, but Bluebell went above and beyond to make sure I got the right deal.
A huge thank you to Esme and Amy for their excellent communication and guidance throughout. They were always quick to respond and made buying my first home an easy and positive experience.
I would strongly recommend Bluebell to anyone seeking a professional and stress-free approach to securing a mortgage.read moreread less
Chloé Thake 03 Oct 2025My partner and I have recently used Bluebell Mortgages for support with our remortgaging. From the very beginning of the process Michelle has been absolutely wonderful, she is knowledgeable, responsive and treated us with so much professionalism and priority. No query has been too much trouble and the response rate we have received throughout the process is second to none.
The rest of the team have also been amazing, we have spoken with Melissa, Tara and Amy alongside Michelle and all are a credit to Bluebell. We will be recommending Bluebell to all our contacts as they really helped make the process of remortgaging and understanding the options available to us easier, nothing has been too much trouble and we will definitely be using Michelle/Bluebell again in the future. Thank you all so much.read moreread less
- Jordan Cowdrey 02 Oct 2025Rachel and her team helped massively. Buying a house can be very frustrating when conveyors and solicitors do not respond frequently. But Rachel was always available to answer any and all annoying questions I had even when other parties failed to do so. Highly recommendread moreread less
Jack Lock 01 Oct 2025I can only speak highly of my experience with Bluebell Mortgages and Michelle was fantastic, always exceptionally helpful and prompt in her reponse. I will be using Bluebell again in the future.read moreread less
Jenna Crissell 29 Sep 2025Rachel and her team were absolutely amazing. I had no idea what I was doing when buying a house alone but they were all supportive, helpful, kind and made the whole process a LOT easier for me! They continued to find me the best deals throughout the whole process and were great at keeping me updated along the way. Bluebell were the best thing that I spent my money on throughout my whole house selling/buying experience.read moreread less
Jasmine Utting 19 Sep 2025Ben & Amy have supported us from the start of our purchasing journey, the support and the advice has been second to none, Both have been available whenever we have had any queries and efficient in coming back to us. They have without fail regularly made contact with our solicitor and provided us with an update every step of the way - could not recommend enough.read moreread less
- Paul Robinson 12 Sep 2025We have used Bluebell many times over the years. The team have always been incredibly helpful and always got us the best deal available. I would happily recommend Ben and the team to anyone looking for a mortgage broker.read moreread less
Boena Zeneli 01 Sep 2025I highly recommend Bluebell Mortgages. I was mainly helped by Michelle but other colleagues too very always very helpful and responsive and patient as sometimes I did ask some silly questions… Will be back next year for the other mortgage… 🙂read moreread less
Family Orzel 05 Aug 2025As someone who has now used the their service for several purchases/refinances , I can confidently confirm that the expertise, dedication and service shared by the team at Bluebell is outstanding and well above the market. Issy Orzelread moreread less
Jo Kirby 05 Aug 2025Bluebell have helped us out many times over the past few years,we've always been really impressed with their service.Super helpful,very professional and would always recommend to others 👏read moreread less
- Sy Burton 05 Aug 2025Fantastic service. Ben and the team, have as always, provided a first class service. I've been using Ben's company for many many years now, through many many house moves and remortgages. I've always had fantastic service on every occasion and won't hesitate to recommend them to anyone that ask who I use for my mortgage etc. I've recently remortgaged and had an email from Esme a few months before my term was up (no penalty charge on my old mortgage for leaving early) giving me great information into various products that were available and saving me money. Will be calling in again in two years to get the best deals out there.read moreread less
Madiha Bakir 04 Aug 2025The team are great, I've used them for mortgages across my personal and investment property portfolio. They are quick to respond and great at explaining things clearly. I've recommended to a number of friendsread moreread less
Angela Prichard 03 Aug 2025We’ve used Bluebell Mortgages for many years and they have been brilliant every time. I’d recommend them to anyone looking for a mortgage broker. Esme and the rest of the team are so patient and make sorting a mortgage stress free.read moreread less
Stephen Gilder 31 Jul 2025We’ve used Bluebell for a few mortgages over the years, and for life insurance, and home insurance. All the people we deal with at Bluebell are friendly, helpful, professional and efficient. Thank you Team Bluebell!!read moreread less
- Sara Shepherd 31 Jul 2025Brilliant Company, have been with them for 4 years, our mortgage advisor Esme is amazing, nice and simple, great service. Fantasticread moreread less
Kerry Laurie 21 Jul 2025Bluebell helped us with our mortgage as first time buyers, and helped us with our re-mortgage 2 years later. They keep us advised and send reminders. I would recommend them.read moreread less
Will Hargreaves 30 Apr 2025I can't thank Ben enough, was like dealing with a close friend. Nothing was too much trouble, understood my needs and genuinely cared about my purchase. Amy was also fantastic, with clear and regular communication. Will recommend to any one who asks. Thanks Bluebell!read moreread less
Sarah Palmer 24 Apr 2025⭐⭐⭐⭐⭐
I can't thank Rachel and the team at Bluebell Mortgages enough for all their help. Rachel was absolutely amazing—professional, kind, and genuinely supportive throughout the whole process. I was going through a tough time dealing with an incredibly unhelpful and slow solicitor. She chased things up, kept me updated, and really helped take the pressure off. I honestly don’t know how I would’ve managed without her. If you're looking for expert advice with a human touch, I’d highly recommend this company—especially Rachel!read moreread less
- Chantal Dawson 17 Apr 2025Claire and the team at Bluebell are amazing. They are so efficient, pragmatic and super helpful. I’ve used Bluebell for years and never been disappointed. Thank you ☺️read moreread less
PAUL ALLEN 02 Apr 2025100% friendly and helpful great serviseread moreread less
James Giles 02 Apr 2025Great service and we have complete confidence we are getting the best adviceread moreread less
Lyanne Roxborough 01 Apr 2025Since beginning our home purchase journey Bluebell have been fantastic. Quick responses and clear communication has made it a pleasure to use them. Special mention to Rachel who was able to secure us a shared ownership mortgage. We have just had to renew our mortgage and the process was simple. Highly recommend!read moreread less
- Matt Pugsley 01 Apr 2025Fantastic service from start to Finnish. Rachel and Amy outstanding service Highly recommend 👌read moreread less
Bonnie Swan 12 Mar 2025Efficient, no nonsense trustworthy service. Thank you team! Highly recommend and will do so via word of mouth also.read moreread less
Pete Ansell 05 Mar 2025Fantastic service, can highly recommend!read moreread less
Mateusz Jarzembski 02 Mar 2025GREAT SERVICEread moreread less
- Kayla Skinner 02 Mar 2025Amazing 10/10 service from Esme and Tara from the start of our purchase until the end and beyond. Really pleased with all the help and knowledgeable advice from Bluebell Mortgages.read moreread less
Matt 02 Mar 2025Fantastic to deal with start to finish - friendly and professional. Great team.read moreread less
Sandra Mellor 02 Mar 2025Excellent serviceread moreread less
Lia Nunn 28 Feb 2025Another fantastic experience with Bluebell Mortgages, Esme and her team are first class, quick, efficient, experienced and Esme always comes up with great ideas, plans and suggestions. I will never go anywhere else for Mortgage renewals and advice and would highly recommendread moreread less
- kim pryke 17 Feb 2025Rachel went above and beyond for me and my boys! She truly cares and never fails to do her absolute best! She is excellent at keeping you informed every step of the way and her advice is second to none. I will forever be grateful to Rachel and all the team at bluebells for their help!read moreread less
Deborah Hawkins 13 Feb 2025We first used Bluebell a good few years ago when renewing our mortgage, Esme was very helpful and we recommended her and her team to our son when he was buying his first house, since then they have also helped us with life insurance.read moreread less
Nick Pilgrim 10 Feb 2025Thoroughly recommend Bluebell. Gave us options to consider that we hadn't thought of which made a real difference to the approach we ended up taking. Thanks to Ben and Amy for being so proactive.read moreread less
K L 31 Jan 2025I recently reviewed my mortgage options with Bluebell. My advisor, Michelle, was great from start to finish. Would recommend to anyone.read moreread less
- Greg and Anna Davis 16 Jan 2025As always, excellent levels of service from Ben and Amy. They've met every challenge we've thrown at them over the last 10 years plus. Going that extra mile is in their nature and we would highly recommend Bluebell, Greg and Anna Davisread moreread less
Stewart Stebbens 14 Jan 2025what an amazing team and what a pleasure to deal with!!
unlike most of the tick box black and white and very much automated world we now live. This company is very attentive thinks on their feet works round corners and make sure they get the job done. you really felt like they had your best interests in mind, they actually listened to you understood your situation and truly held your hand through the process first and foremost was your satisfaction not whether they got a better Commission or it somehow benefited them your Satisfaction in their workwas what they were looking for after being unable to get a mortgage because of the type of property we were trying to Morgage with three other brokers having Failed to provide a solution and countless other lenders,These guys found a lender and very quickly none of the long drawn out processes we’ve been experiencing with othersread moreread less
BRIGD FARQUHARSON 06 Jan 2025We have been with Bluebell mortgages for many years and are always impressed with their efficient, helpful and positive approach. We have reccommended them to all our friends and family.read moreread less
Oliver Taylor 30 Dec 2024Easiest 5 stars I can ever give. I've used Ben and Amy for two mortgages now and recommended them to countless friends and colleagues. Genuinely so knowledgeable and helpful, they really take the stress out of the process.
I was initially sceptical about using a broker as I thought our case was simple but hats off to the guys, they really found us a deal and gave us options I wouldn't have been able to find on my own.
Big thanks!read moreread less
- Paige Reardon 18 Dec 2024I have recently purchased my first home and the ladies over at Bluebell Mortgages have been absolutely amazing. As a first time buyer, there is a lot I don’t know or understand, but Rachel was so knowledgeable and extremely helpful, really helping to make the process easy and simple. Claire was also so helpful, anytime I had a question or query she would answer it straight away, really making the whole process so much easier for me.
Overall would highly recommend Bluebell Mortgages to anyone, especially if you are a first time buyer like myself!read moreread less
R4W5HUDD3R 02 Dec 2024Exceptionally helpful and friendly, as first time buyers we struggled to keep up with all the new information but Bluebell was able to assist above and beyond. We appreciate all of their help.read moreread less
Neil Jefferies 02 Dec 2024All handled well with good comms throughoutread moreread less
Claire Stephenson 30 Nov 2024Professional, efficient and friendly service. Esme and her team are always there ready to answer any questions you have and always get back to you very quickly. We have been using Bluebell's services for 5 years now & will continue to, can highly recommend.read moreread less
- Craig Quinton 27 Nov 2024Excellent experience from start to finish. They helped me port my mortgage over to a semi commercial property which I was having trouble with going directly to my existing lender. Will definitely be using their services again in the near future to merge together both parts of my mortgage.read moreread less
David Mcelhinney 02 Nov 2024First class service as ever from the Bluebells Team. I wouldn’t consider anyone else.read moreread less
marian iosub 19 Oct 2024I had a fantastic experience with Bluebell Mortgage, thanks to Rachel and Claire. Rachel was incredibly knowledgeable, guiding me through every step with care, while Claire’s attention to detail and quick communication made the process stress-free. Together, they helped me secure the perfect mortgage. I highly recommend Bluebell and their amazing team!read moreread less
Stephen Trowels 18 Oct 2024Would rate this company to anyone!! My case was very complex!! And has taken nearly a year to complete! ( my fault not there’s ) But every step of the way the team that I’ve spoken to so many times lol have been nothing but friendly professional and just great people. I will never use anywhere else. Claire and Ben your the best . Xread moreread less
- Josh Dunham 01 Oct 2024Thanks to Ben, Amy and the team for their outstanding service. I am a first time buyer, so this was a completely new world to me, but they were patient and super informative with regular communication along the way. I will be recommending to my friends and family.read moreread less
Bromley and Fitch Tile Boutique 23 Aug 2024Excellent service throughout! I was kept informed and updated on a regular basis.
They chased the solicitors on my behalf too.
I would definitely recommend these guys and they were originally recommended to me.
A happy client.read moreread less
Ben Maher 10 Jul 2024Esme has helped us explore a range of options for managing our existing mortgage and to get a new one for our new home. We have been in communication with her for over a year as we have resolved some complicated issues with mortgages shared with ex-partners and she has been with us all the way. Once we had secured our new mortgage, Esme's colleagues at Bluebell have also discussed options for buildings and life insurance with us. Highly recommend.read moreread less
Marta Biernacka 27 Jun 2024I can certainly recommend Bluebell, it is an excellent, professional company with very nice service that helps throughout the entire property purchase process. Rachel, Claire and Tara thank you so much for your help, you are wonderful. Without you, I wouldn't have a new home. I wish you good luck and as many customers as possible.read moreread less
- Masako Giles 07 Feb 2023Esme McGuigan from Bluebell Mortgages was the best mortgage adviser we ever had! Her communication was quick and prompt, her knowledge was incredible and the level of willingness to help us was amazing. The admin team looked after us well as well. They are all very professional and helpful. Highly recommend them!read moreread less
Antonio Iachetta 24 Dec 2022Fantastic group of professional people that will help you every step of the way throughout your house purchase.
Very easily approachable, kind and will answer every question you have quickly and will explain with ease so we understand.
We highly recommend Bluebell Mortgages for your next mortgage and especially for you first Time buyers out there.read moreread less
Jeff Dewing 17 Sep 2022Bluebell took on a very complex challenge in securing me a very competitive mortgage. I am a British citizen, and a resident in Portugal. I needed a mortgage to buy a second home in the UK. Getting a vanilla lender to even consider this request was like pulling teeth.
I got in touch with Bluebell who helped solve this challenge, and simply took it in their stride. Incredibly resourceful and tenacious and incredible Customer support.
Well done and thank you to all the team at Bluebell 🙂read moreread less
Lissie Hope 08 Sep 2022The team at Bluebell have been fantastic and made the house purchase process as smooth as it could be. Esme kept me informed every step of the way and explained things in Layman's terms which was much appreciated. I felt totally assured that I was being offered the best rate and deal available and was more than happy to go with their recommendations. Claire then picked up the reigns and finalised the mortgage offer who again, kept me up to date and proactively chased up the lender as and when they needed a kick. Will most use for my remortgage and will most certainly recommend.read moreread less
- Jay Milly 10 Aug 2022Rachel Scrivenor and her team are amazing. They have helped take so much stress away from an incredibly long process purchasing a shared ownership home. From the very start Rachel was quick and efficient in resolving any issues and arranged the mortgage very quickly. I then purchased additional life assurance and income protection and the whole process was very smooth. My solicitors caused no end of problems due to a long delay and this resulted in having to re-apply for my mortgage again . It was all done very efficiently. Communication is excellent and Rachel and her team were always one step ahead. I have no hesitation at all recommending Bluebell Mortgages.read moreread less
hello hello 08 Aug 2022Esme McGuigan from Bluebell Mortgages has been so incredibly helpful with looking into additional borrowing options for our major refurb. She took all the time in the world to explain us everything and even if we are not going ahead with a re-mortgage with them at this point (turned out better to do it next year when the early repayment charge is less), we will definitely remortgage with her next year.
First class service and advice! Very thorough and only has the customers best interest at heart! Can't recommend Esme at Bluebell Mortgages highly enough!read moreread less
Suzy Cruzado Marina 06 Aug 2022Esme McGuigan and her team were wonderful and helped us to buy our dream house. Esme was always there to answer our questions (we had lots of questions! ) and explain everything to us; Thank you very much for everything!
Sorin& Franciscaread moreread less
Aranya Daswal 14 Jul 2022My case was handled by Esme McGuigan. She is extremely professional, patient, knowledgeable and will offer you the best advice. As a first time buyer, I was guided through each step of the process elaborately and with full transparency. The mortgage process was smooth with a very quick turnaround. Definitely recommending Bluebell Mortgages and Esme.read moreread less
- Sarah 23 Jun 2022Bluebell Mortgages have helped my son secure a mortgage for a complicated purchase. Their communication is excellent and the support provided throughout the process was first class. A great team approach.. Would definitely use again.read moreread less
Charlotte Springett 17 Jun 2022Rachel has been absolutely fantastic and supported me every step of the way through my house purchase. As a solo first time buyer I really had no clue what I was doing or what I should be doing and her knowledge and expertise has really put me at ease. Nothing has been too much trouble, they are so friendly and the regular email updates from other members of the team have been really appreciated too. I could not recommend them enough and thank you!read moreread less
Louis-Philippe La Rocque 06 Jun 2022The Bluebell team supported us with everything related to our recent house purchase (loan structuring, mortgage, house offer, insurance). Ben and Amy provided us with exceptional service, and as we were first time home buyers, they went above and beyond to ensure we understood and were comfortable with each step of the process. I would highly recommend them and would not hesitate to use their services again if required in the future.read moreread less
Diane Wilson 06 May 2022Rachel and Claire have helped me to remortgage and staircase. They continually reassured me and nothing was too much trouble. Excellent service and always there when I had questions. Highly recommend using Bluebell Mortgages. Thank you for everything.read moreread less
- Carmela Circelli 27 Apr 2022The whole experience with bluebell have been brilliant. Edward Claire and Teresa kept us informed nearly every week to let us know what was going on. Thank you for everythingread moreread less
Simon Harris 22 Apr 2022Fantastic service from start to finish. Nothing was too much trouble. Everything ran so smoothly with regular updates along the way. Prompt, efficient and would recommend 100% - thank you Steve Lye and the team at Bluebell 🙂read moreread less
kimy D 13 Apr 2022Professional, expert, reliable, honest..I can go on and on about this mortgage advisor and I only have positive things to say about him. My special thanks to Stephen. I spoke to four mortgage advisors before purchasing our property and only one gave me the hope and confidence that I need to proceed with my application. Stephen is very professional, he knows what he is doing, excellent communication skills, reliable and simply the best. He will let you know whether you will succeed in purchasing your property unlike others who will waste your time and make you hopeless. Don't go anywhere else,for all the first time buyers out there, look for Stephen if you want to succeed!read moreread less
Mike Wright 03 Apr 2022We dealt with Rachel as first-time buyers, and Rachel and the team were happy to answer a full barrage of questions from complete novices and explain the process to us as often as we needed it reiterating.
The team chased our solicitor on a regular basis and provided us with updates. We could not be more thankful for the professional and expert advice and treatment we received during what became a fairly drawn-out process.read moreread less
- Jenny Ongley 31 Mar 2022Rachel Scrivener at Bluebell Mortgages is absolutely amazing. She arranged my very first mortgage for me and has just arranged my remortgage and I wouldn’t think to ever use anyone else, she is the best. She also dealt with my life insurance cover, working tirelessly to find the best possible deal that would work for me and my family. I can’t recommend her and the team at Bluebell enough. Nothing is too much trouble for them and as a customer, you are made to feel like you are important to them. They are professional, kind, friendly and so supportive. Thank you so much to Rachel and all at Bluebell!read moreread less
Ciaran Mellor 03 Mar 2022Had a brilliant experience with Bluebell when purchasing our first property. Everybody was kind and helpful and responses were so quick and prompt. Rache l in particular was incredible and really made the process so easy to understand and was so personable and good to talk to especially when we were having troubles and holdups throughout. All of the different staff, like Claire that we spoke to were happy to explain and dumb things down as we had no idea what half the jargon was. Can't recommend the company and Rachel enough. Made the process so smooth and everyone was helpful, we even got a new home card signed by the team😊read moreread less
Kerry Scott 15 Feb 2022So pleased with the service from Bluebell Mortgages. They helped us with our first mortgage and just managed to save us a lot of money at the end of our fixed period. So easy and the communication is fantastic. Thank youread moreread less
Leila Clack 07 Feb 2022I contacted Bluebell Mortgages as they were recommended for Shared Ownership, and I'm so glad I chose them. My mortgage broker was Stephen Lye, and he has been absolutely amazing. I couldn't of hoped for a better person to assist me with this, it's my first property and I was so unsure and nervous, but he reassured me and helped me all the way through, and secured me the mortgage! To which I am exchanging today, and completing next week. Thanks so much to Stephen, I will definitely use him on my next one too 😀read moreread less
- Andy Gorham 02 Feb 2022Great service from Bluebell when mortgage set up 2 years ago. Really liked the fact they got back in touch proactively well in advance of the end of the mortgage term with a review of market and options. Made it super easy to renew onto the next deal which has just started. Thank you!read moreread less
Mark Forsdike 01 Feb 2022Bluebell Mortgages have assisted me through a remortgage and a buy to let purchase, the whole team have been great and been very informative, professional and friendly.
Probably not been the easiest client to deal with but they stuck with it and got the job done.
Highly recommend this company and unfortunately for them will be using there services again when its time to sort out a new mortgage 😉read moreread less
Danielle Ward 27 Dec 2021Thank you once again to Rachel and all the team at Bluebell's for all your help and advice for our lovely new house. This is now the second time we've dealt with Bluebell's and we wouldn't hesitate in coming back again.read moreread less
Charlie Imber 17 Dec 2021We contacted Edward regarding a mortgage on a couple of houses that fell through but we found another house and he was perfect to deal with as a first time buyer I did not have a clue what to do he help us on every step off the way including things that had nothing to do with him I called for advice and he was more than happy to help I will defiantly recommend to any one and I will deal with him again we also have regular updates from ed and Amy what a credit to the company.read moreread less
- Smokey Flynn 11 Dec 2021Reaching out to Bluebell Mortgages was the best decision we could have made.
The professional advice, guidance and service offered was unparalleled. From the clear, concise explanation of the remortgage process to all of the help and excellent communications at every stage.
We were given additional reassurance and peace of mind with the use of the Bluebell secure document transfer Portal.
Edward Stephenson Mortgage & Insurance Consultant truly went above and beyond to help us find the right remortgage product.
We were of course delighted when we received our remortgage Offer!
Thank you Edward, Amy, and all of the team at Bluebell Mortgagesread moreread less
Val Forsdyke 05 Nov 2021All staff are friendly and efficient.
They got me the best deal and took all the hassle out of transferring.
I would definitely recommend.read moreread less
Helen Murray 12 Oct 2021Esme has been brilliant from start to finish. We had a very complicated situation and required two mortgages. She wasn't fazed by an obstacle and worked hard to find the right mortgages for us. She was the voice of reassurance and took us through every step. I wouldn't hesitate to recommend Bluebell mortgages. The have been fantastic especially Esmae.read moreread less
Karen Monk 29 Sep 2021I would definitely recommend Bluebell Mortgages, Rachel in particular. She helped me with my first mortgage and made the whole process straight forward. The service was very efficient, professional and they were very friendly and helpful every step of the way and were there through to completion day. I would definitely use them again.read moreread less
- Mark Stein 10 Sep 2021Bluebell Mortgages have been incredibly responsive and helpful on many occasions. They respond very quickly, pay close attention to detail, are all-round helpful, and their staff are delightful. I can thoroughly recommend them.read moreread less
Gillian Irvine 12 Aug 2021Simply a pleasure to deal with. Friendly & professional service from Ben and Amy which made the process seamless. Wouldn't hesitate to recommend Bluebell and will definitely be using them again in the future.read moreread less
Charlotte Poole 04 Aug 2021Steve and his team have helped massively with buying my new house. They explained everything so clearly and I knew they were always on the end of the phone/email if I needed anything.
We had a tight deadline to complete on the house purchase and without their help I doubt we would have met the deadline.
I would 100% recommend using Bluebell Mortgages and I know I will be using their services again in the future.
Charlotte and familyread moreread less
Chris Shadbolt 01 Aug 2021We called Bluebell Mortgages as we were struggling to get a mortgage with other providers. I have to say Stephen and his team certainly didn't give up on us, and here I sit in our brand new house writing this review. Stephen is very professional and I have been blown away with the whole process. It was all made so simple and stress free. I wouldn't hesitate to recommend Bluebell to anyone! We really appreciate everything you have done, Chris & Samread moreread less
- Ian Hull 14 Jul 2021Excellent company to deal with. Great communication throughout our remortgage process. Document portal they use is very simple and straightforward to use. Will definitely use Bluebell again in the future.read moreread less
Stephanie Dow 22 Jun 2021Ben, Stephen and Teresa have been absolutely wonderful. They have been hard working, very much in communication when we needed them to be and clear with instructions in a non mortgage jargon way. Our application has been more than complicated with many hitches along the way and they have been more than helpful, patient and diligent along the bumpy road. I would highly recommend them and my husband and I are so so grateful to them for their help in securing us our new property! Many thanks team Bluebell!read moreread less
Sarah-Ann Jarrold 20 May 2021Extremely happy with the service provided by Stephen, Teresa and Claire. I initially contacted Bluebell as was very impressed by Stephen's professionalism and responsiveness when he worked for a previous employer. I was having a very frustrating time using another broker, so tracked Stephen down. He immediately put our minds at ease and sourced a great offer for us which ended months of uncertainty. Teresa and Claire took over from there and were great intermediaries between us and the solicitors and building society, providing us with weekly or more frequent updates. Would highly recommend using Bluebell and will be seeking their advice when it comes to reviewing our fixed rate. Brilliant service.read moreread less
Jo-Ann Newman 18 May 2021Great service from Rachel and all the team. Incredibly helpful from start to finish, explained everything thoroughly and would highly recommend.read moreread less
- Kirsty Jay 09 Apr 2021I’ve used Bluebell for all my mortgage needs for years and as always they are professional, knowledgeable and helpful. Always available to answer any questions and proactive in getting my remortgage completed. I recommend them to anyone who needs any sort of mortgage advice. Thanks guys for all your hard work.read moreread less
clare smith 31 Mar 2021Excellent experience, Stephen and Teresa were always so helpful, professional and knowledgeable. They communicated with us at every stage of the process and we have been thoroughly impressed and would be very happy to recommend them.read moreread less
Rachel gibson 30 Mar 2021We were recommended Bluebell Mortgages through a friend, and we honestly cannot ask for a better service. Communication was fantastic, always at the end of the phone or emails nothing, was ever a problem. We would highly recommend Bluebell if you're wanting high quality and a very pleasant service. Thankyou so much to everyone at Bluebell Mortgages, you really have done a fantastic job!read moreread less
Matthew Ransome 30 Mar 2021I can’t recommend Bluebell enough. The service I received from Rachel, Claire and Teresa was fantastic from start to finish. They all went the extra mile for me. My main contact was Rachel and she went above and beyond what I expected, and she was always at the end of the phone if I needed her. I’m so happy I chose Bluebell and I’m sure you will be too. You’ll be in very safe hands. Massive thank you to the whole team, you were all great!read moreread less
- Kimberley Duggan 26 Mar 2021Great service provided, regular updates and very quick responses to any queries. The whole process was smooth, quick and stress free. I would highly recommend!read moreread less
robert crawford 03 Mar 2021‘A huge big thank you’ to everyone at Bluebell Mortgages for navigating us through the mortgage minefield to our new home! they provided us with a first class service from start to finish, they offer an incredibly friendly and personal approach and go that extra mile, we would highly recommend them, you don’t need to go anywhere else, you are 100% in safe hands ? excellent ! ⭐️⭐️⭐️⭐️⭐️⭐️read moreread less
Mark Griffiths 24 Feb 2021Excellent service making what can be a stressful time very easy.
Very good communications and I have already recommended to my friends.
Cant` fault the service.read moreread less
James Harbach 15 Feb 2021Ben and Amy made the whole process stress free and simple, guiding us through some of the more complicated areas of house buying. They could not have been quicker to respond with helpful answers to our questions and we really felt that no stone had been left unturned when it came to giving us options.read moreread less
- Kayleigh Hall 12 Feb 2021Ben and Amy have been fantastic on our last two house sales - quick responses, very 'on it' and always on hand with great advice, would highly recommend.read moreread less
Aron Lankester 09 Feb 2021The Bluebell team worked tirelessly to the make the whole mortgage process as smooth as it could be.
They were attentive and gave regular updates so I always knew the state of play at any given time.read moreread less
Steven Clemence 08 Feb 2021Ben and Amy completed my new mortgage with super efficiency and attention to detail. Communications were first class. This was my first time using Bluebell Mortgage Brokers, I can highly recommend them.read moreread less
Jon Phillips 08 Feb 2021Fantastic service provided by Ben and Amy at Bluebell Mortgages. I was kept informed all the way through the process and I was very impressed by their hard work to ensure I had the best options available to me, even though my changing circumstances required them to look at new avenues.
Top work guys 🙂read moreread less
- Lauren Tye 22 Dec 2020Stephen our mortgage broker was fantastic along with his colleagues Claire and Teresa who always kept us updated with the process and our application. The process was really easy and simple and I would recommend them to anyone, they handled it from start to finish absolutely professionally. Thank you Stephen for flawlessly assisting us in our house purchase!read moreread less
Lisa Pickett 07 Dec 2020The team at Bluebell Mortgages were so great throughout my entire purchasing process and made the whole process much less overwhelming and complicated - friendly, responsive and professional at all times.read moreread less
Julie Cumberland 12 Nov 2020Very helpful and efficient in dealing with our re-mortgage. it has been completely stress free. We will not hesitate in using you again, or recommending you.read moreread less
Martin Punaks 09 Nov 2020Bluebell Mortgages have been supporting us for many years now. They helped us arrange our mortgage for our house (which was complicated for a number of reasons and they navigated us through these issues). They are always up to speed with keeping us updated on the latest best deals when the mortgage needs updating. So glad we found them! Can't recommend them enough.read moreread less
- Jill Anderson 07 Oct 2020Prompt response to my enquiry.Very knowledgeable , informative and helpful.Came back quickly (24hrs) with prospective lenders and all associated fees and set up costs.Would thoroughly recommend.read moreread less
Claire Dunbar 30 Sep 2020Fantastic Service from Ben and Amy can’t fault their service and attention to detail. First time using Bluebell but from now on will not be going anywhere else and have already recommended this company to friends of ours who Esme is now helping.
All through our recent house purchase and current pandemic Ben and Amy have sent weekly emails updating us of how things were progressing more than our own solicitor .. Ben and Amy have sorted everything from mortgage to life insurance for us and done so with professionalism and took a weight off our shoulders , extremely pleasant people to deal withread moreread less
Robert Barnes 17 Sep 2020We have used Bluebell Mortgages for many years for many transactions, and our adult children have also used them and they have in turn recommended Bluebell mortgages to their friends. We have always been very impressed and happy with both the service and results; Ben and his team are very knowledgeable, helpful, friendly, efficient and tenacious in finding the perfect product to fit their clients’ needs. We often feel that they have a better understanding of our finances than we do! We highly recommend them, as indeed we did to our own children!!read moreread less
Paul Nixon 07 Aug 2020Our daughter's name is Bluebell so naturally we were drawn to this broker. Esme was fantastic in sorting out our mortgage. Very friendly, helpful and always quick to respond to messages. We particularly liked the online portal which was very useful given the lockdown. Highly recommended.read moreread less
- Isabel Ross-Edwards 07 Jun 2020From start to finish a professional & friendly service. Any questions I had were answered speedily. Esme listened to me and interpreted my needs accurately so that I ended up with a remortgage that perfectly suits my current situation. Thank you!read moreread less
Simon Thorn 07 Jun 2020I have used Bluebell Mortgages for a number of years and I always find that they have access to a wide range of lenders and they work to ensure their Client's get the best deals.Bluebell are fully transparent with their fees and keep you updated with what is happening. I would not hesitate to recommend themread moreread less
Sarah Thompson 07 May 2020Having been let down by two previous mortgage brokers, I was somewhat wary about contacting Bluebell. I shouldn't have worried. They are a great company offering sound advice and prompt action. Their communication levels are also excellent - I never felt fobbed off, I was always kept in the loop. I would recommend Bluebell Mortgages and will be using them again.read moreread less
John Adams 07 May 2020The company was excellent at quickly finding the best solution for me and then helping to sort out the way to progress it all. They show a very caring attitude to their clients and are hence worthy of 5 stars. I would recommend them to anyone.read moreread less
- Luke Jackman 29 Mar 2020
We can’t recommend Ben, Claire and the rest of the team at Bluebell mortgages enough!!
They kept us informed during the process of arranging a mortgage for us. Everyone we spoke to were knowledgeable, friendly and always helpful.
Thank you for all of your help
Luke and Louiseread moreread less
Carl Richardson 07 Feb 2020This is the second time that we have used bluebell and they have been fantastic both times. Very detailed service and we would highly recommend.read moreread less
Nazish Ahmad 07 Feb 2020Great service all through.Was looking for aslightly niche product and Ben managed to arrange it for me.Was given regular updates throughout the entire process.Will definitely use when need a mortgage again in the future!!read moreread less
Greta Jenkins 07 Feb 2020Absolutely brilliant service, attentive, prompt, personalised and nothing was too much troubleread moreread less
- Mark Waring 07 Jan 2020Fantastic service from Ben and the team at Bluebell, taking a lot of the stress and time out of a recent property purchase. Very grateful for their help and would highly recommend them.read moreread less
martin humphryes 07 Jan 2020Great service. Esme and Clare have been very helpful everytime I've called for advice or taken out a mortgage. I would highly recommend.read moreread less
Bala Deval 07 Jan 2020Balasingm DevabalaThe service I received from Lois and Claire was very professional but Ben was exceptional as he guided me through the mortgage application process.read moreread less
Simon Pittard 07 Jan 2020I found Bluebell Mortgages to be extremely helpful to me, exploring all avenues to obtain my mortgage. Thank you.read moreread less
- James Sexton 07 Jan 2020Great quality service. Helpful all the way through the process from finding suitable mortgage products to submitting bids on new properties on our behalf. Would highly recommend, and particular thanks to Will who looked after our case.read moreread less
Pete Coney 07 Jan 2020Esme was fantastic. Been a while since we had a mortgage but she helped us through and found us a good mortgage. They also kept us up to date about the progress of our sale by speaking to solicitors and agents.Definitely be back!!read moreread less
Tom Griffiths 07 Jan 2020They really know their stuff! Flawless, efficient, polite, trustworthy, diligent - our 4th time using Ben and the team now - highly recommended.read moreread less
John Rostron 07 Jan 2020Really helpful team. Sorted out my mortgages for several years and always gives great service. I would definitely recommend them to anyone needing financial advice!read moreread less
- Samantha Stephenson 07 Jan 2020Fantastic service, have been helping us for many years and will continue to use them going forward. Highly recommend to everyone.read moreread less
Jarek Kopec 07 Jan 2019I could not rate Ben and Clare more highly. Contacted Bluebell probably at the worst time of year between Christmas and New Year. Of seven other contacts who promised to ring back only one Bluebell rang back. They worked through the problem put before them and guided me through to a so far workable mortgage solution. Thankyou.read moreread less
Greg Davis 07 Jan 2019I have used Bluebell and in particular, Ben Adams for over 15 years and would highly recommend them. Ben has always found a solution to our mortgage needs and the service is second to none. Make sure you talk to them before committing elsewhere.read moreread less
Rachel Cass 07 Jan 2019Ben and Claire have been amazing in managing what turned out to be quite a stressful house purchase! Claire was highly responsive, always helpful and very friendly. Would thoroughly recommend Bluebell Mortgages.read moreread less
- Caroline Stone 07 Jan 2019As always, Louise Hart and the Bluebell Mortgages team have provided us with an excellent and professional service, thorough and prompt throughout. Thank you once again for your help and reassurance. Would highly recommend them!!read moreread less
James Dowell 07 Jan 2019The whole team at Bluebell are an absolute pleasure to deal with. They are knowledgeable, rapid in responses and very patient in what can be a stressful process. I’ve used them for two mortgage transactions and will be using them again. Highly recommended.read moreread less
Naomi Chinguwa 06 Dec 2018 The staff are patient, understanding, kind and very willing to help. They never give up on you. read moreread less
Peter Masters 12 Dec 2017 Hi guys, thanks for you help & advice recently really appreciate it. Happy Christmas to you, have a peaceful & prosperous new year. read moreread less
- David McElhinney 12 Dec 2017 Fantastic service once again from Ben and the guys! read moreread less
Carol Cavanna 11 Dec 2017 Ben bought a house from us years ago and has since been our mortgage broker. We recommend him to everyone who needs a mortgage. Great customer service. read moreread less
Shelley D 11 Dec 2017 Found it tricky to get our first mortgage due to being self employed, luckily Ben was recommended to us and managed to sort the mortgage and insurance with the minimum of fuss. Not sure we'd have got through it without him! read moreread less
Greg Davis 11 Dec 2017 Ben has provided an excellent service over the last 10-15 years for me. Highly recommended!! read moreread less
- Peter Aiano 11 Dec 2017 Just hand it over to Bluebell and relax. read moreread less
Claire Gooding 18 Jul 2017 I have left 5 stars as you were more than helpful with everything I needed to know and I will definitely be recommending you. read moreread less
Jack Rostron 19 May 2017 Louise and Ben were a great help in getting our mortgage moved over and get a great rate for our new house. Thank you for all your help! read moreread less
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