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.


    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.


    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.


    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

How long would you be able to continue paying your bills if you lose an income?

Request a call back

"*" indicates required fields

By clicking Send 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.
This field is for validation purposes and should be left unchanged.

If you were to lose an income in your household today, how long would you be able to continue paying your bills?

Legal and General (L&G) recently published their Deadline to Breadline 2020 research, it revealed that the average household is just 24 days from the breadline, this is a lot less than the 90 days that many believe they can be financially stable for should they lose their household income.

Furthermore, your savings may not last quite as long as you’d expect, with the average household needing savings of over £30,000 to be financially secure and cover their outgoings for a year.

How many days do you can continue paying all your bills? There’s some great tools out there to help you find out – try the L&G Deadline to Breadline Calculator to see how long you can maintain your current lifestyle should the worst happen.

Some interesting facts revealed:
1 in 5 UK households have no savings at all
Most households surveyed would give up or cut back on food before their broadband or phone expenditure
It takes the average household 14 years to save their gross annual salary and 12 years to save enough to live for a year
Those aged 45-54 are most likely to have no savings at all
46% rank losing their income as their top worry if becoming unable to work
The research also suggests that 89% of people don’t see themselves as their largest financial asset. One of the biggest misconceptions is that people do not believe that their income is valuable. The average person earns hundreds of thousands of pounds during their working lifetime – so value yourself, you’re a financial asset worth protecting.

It needn’t be all doom and gloom however – there’s plenty of protection products out there that can assist you – for small monthly fees your income can be protected to give you the peace of mind you need.

Protection products can also be a lot cheaper than you might expect. The Association of British Insurers has put together an easy guide – Percy the Protection Calculator to help share some recommendations based on your individual circumstances.

We are here to answer your questions and help you find the right protection to suit your circumstances. If you would like to get in touch with us, please use the Contact Box form on this page or give us a call on 01473 213312.
We will look forward to hearing from you.

Share This Post

More To Explore

Pocket Money – Budgeting for the Future

A Cambridge University study once found that a person’s financial habits were established by the age of just 7, so we look at some ways that could get kids off to a flying start

Act Fast to Secure Your Mortgage Rate

The process of buying a home or arranging a remortgage can feel stressful enough, but it’s being made more challenging by recent data that reveals the average shelf-life of a mortgage product has dropped from 28 days down to just 15 days1, making it more important than ever to act fast to help secure a deal that’s suitable for you.

How can we help?  Call us on 01473 213312