Bluebell Mortgages
  • 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.

  • 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.

Bluebell Blog & News

HMO Warning

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With an extension of the rules bringing a wider range of houses in multiple occupation (HMO) into the mandatory licensing regime which came into effect on 1 October, landlords must now apply for a licence. The Government made the announcement about mandatory HMO licensing in January, but many industry commentators are concerned that landlords may not have applied for their licenses and are encouraging all owners to make sure they did so by 1 October to be compliant.

This licensing requirement applies to all properties that is occupied by five or more persons or by persons living in two or more separate households, and meets the standard test under section 254(2) of the Act, the self-contained flat test under section 254(3) of the Act but is not a purpose-built flat situated in a block comprising three or more self-contained flats, or the converted building test under section 254(4) of the Act.

Properties that fall into scope of the new definition but are already licensed under a selective or additional scheme, will be passported over to the new scheme at no cost to the landlord. Some Landlords maybe under the misconception that there was a six-month grace period, as was originally proposed, but this is not the case and it is important that no-one is found committing an offence through ignorance.

Feedback to the National Landlords Association (NLA) suggests that a number of landlords have tried to apply for licenses, but the local authority has purported not to know anything about it or simply didn’t have the systems in place to process the applications. The NLA is calling for all local authorities to be up to speed with the changes and the challenges being faced in implementing them.

Are you a Landlord with a HMO or a Buy-to Let Portfolio?
Our expert advisers can advise you on the best deals to ensure you are fully maximising your property’s financial potential.
Give us a call today for your free initial consultation  01473 213312

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How can we help?  Call us on 01473 213312