Bluebell Mortgages
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    First Time Buyer

    Bluebell Mortgages are expert mortgage brokers and have a detailed knowledge of mortgage lenders’ and first time buyer mortgages.

    Moving Home

    We can inform you of all the likely fees associated with a house move, identify your current position and calculate your likely required loan amount.

    Remortgaging

    If you already have a mortgage and your current deal is due to expire in the next 6 months, we can help find you the most effective deal for you.

    Buy To Let

    We have a vast experience of the Buy To Let market and are able to offer our clients detailed advice on the correct method of funding potential purchases.

    Shared Ownership

    An effective way for first time buyers to get on the property ladder, it can considerably reduce the amount needed for a deposit.

    Specialist Finance

    Bluebell Mortgages have specialist advisors who can assist you with your first or next commercial or self-build development.

    Older Borrower

    The days of retiring at 65 are disappearing fast, people are living longer and borrowers are getting older.

    Insurance

    This can range from Life Assurance to protect your mortgage or family, Critical Illness cover, Income Protection and General Insurance.

  • Resources

    FAQ's

    We’ve collated our most frequently asked questions below, but if there’s a question on your mind that we haven’t covered, please get in touch.

    Success Stories

    We’re passionate about helping people get to where they want to be on the property ladder. Our customers share their stories of how we helped them.

    Knowledge Base

    Here we can share with you our many years of industry experience & knowledge so that you can feel confident and prepared for your mortgage journey.

    News

    We regularly post about all things in the Mortgage world and other industry information. We also post about what's going on at Bluebell Mortgages.

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Bluebell Blog & News

Getting on the Ladder

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Getting on the Ladder

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Getting on the LadderUK Finance data shows that lending for a first house purchase was higher in August 2017 than in July and also the same time last year.
First-time buyers accounted for a 16% increase in borrowings than the previous month and 12% up on August 2016. They took out 34,400 mortgages which was 14% up on the preceding month and 9% per cent more year-on-year.

Looking at first time buyers, the proportion of household income taken up by mortgage payments edged up for first-time buyers to 17.5%, but was unchanged for house-movers at 17.6%. Overall, it remains low by historical standards.

The average amount borrowed by a first-time buyer increased from £138,999 in July 2017 to £140,035. There was a smaller proportionate increase in the average first-time buyer household income, and the average income multiple for borrowing increased from 3.60 to 3.63. The average amount borrowed by movers increased slightly from £180,000 to £182,750.

Are you looking to get on the housing ladder and make your first house purchase.  Bluebell can guide you through the whole process.   We are your expert advisers.  Give us a call today 01473 213312

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5a Delta Terrace, West Road, Ipswich, Suffolk, IP3 9FH

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Bluebell Mortgages Ltd, trading as Bluebell Mortgages is an appointed representative of H L Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Bluebell Mortgages Ltd is a company registered in England and Wales with company number 09397210. The registered office address is 5a Delta Terrace, West Road, Ipswich, Suffolk, IP3 9FH. The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.  A fee may be payable for mortgage advice, which will depend on your circumstances.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The Financial Conduct Authority does not regulate some forms of Buy to Let.

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