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

How to keep your home move going

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If you’re in the middle of selling your home at the moment, or you’re thinking of putting your house up for sale, you might be wondering what the effect of the latest lockdown is having on your move.

The most important thing to keep in mind throughout this period is that property viewings can still take place and Mortgage Advisers, Estate Agents, Solicitors and Banks are all still open.
However, despite everything still remaining open, it is important to note that there may still be delays along the way.  This is mainly because there are a lot more sales going through than usual and also there has been a backlog of sales over the last six months, making it the busiest its been in 10 years.

How can I get ready?
You’ll want to find an experienced Mortgage Broker who will guide and talk you through the process and help you to get your finances in order. You will then be ready to start the new home buying process with everything in place once you have sold your property; which will make the whole route much smoother and quicker.
You can also start researching Estate Agents and asking for quotes. You should also enquire as to how quickly they will be able to list your property for sale once you are ready.

Gather your Documents.
Depending on your property, there are various documents that you can find and prepare ready for your house sale, getting these documents together early and sending them to the relevant parties as quickly as possible, will help speed up the process; such as
• HM Land Registry title documents
• Gas Safe registered engineer Certificates
• Electrical checks – an Electrical Installation Condition Report (EICR) or a NAPIT or NICEIC certificate/report from a registered electrical competent person
• FENSA or CERTAS certificates for windows
• Planning permission for any major work carried out
• Building regulation completion certificates and builder’s guarantee certificates for alterations or additions
• Subsidence guarantees/warranties
• Damp guarantees/warranties
• Party wall agreements (if relevant)
• Listed building consent for interior and exterior works
• If your home is in a conservation area, conservation area consent for works
• Any title insurance policies you may have taken out to solve title defects

With the current market being so busy delays are inevitable, however being as prepared as possible and taking good professional advice will stand you in good stead and put you in a stronger position throughout the process.

If you are thinking of a move and would like to get your mortgage finances arranged, give us a call.
We will advise and guide you every step of the way. 01473 213312

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How can we help?  Call us on 01473 213312