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.

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Re-mortgaging – Don’t do it without Professional Help!

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There are a number of reasons why you may wish to remortgage, however it’s always worthwhile seeking advice to check whether the mortgage you hold is right for your current situation.

If your current deal is coming to an end
Most mortgages are granted on an initial deal (fixed, tracker or discounted variable) that lasts for between two and five years. Many lenders will then put you onto their Standard Variable Rate (SVR).

Since you took out your mortgage, with repeated rises in interest rates in recent times, it’s likely that the rates now are higher than the rate on your original mortgage deal. Therefore, it’s likely that if your mortgage lender places you on their SVR, then you could end up spending more than you need to on your mortgage repayments.

We would encourage you to book a no-obligation appointment with us to look at your exact situation to see if there are other available deals that may be more suited to your requirements. We’d recommend that you contact us at least three to six months before your existing deal is about to end, to ensure adequate time to find the most suitable deal for you.

If you’re looking to find a more suitable mortgage
Interest rates have risen constantly for the last eighteen months, so it’s likely that the marketplace has changed since you took out your last deal, and it may not be right for you. Furthermore, your own circumstances may have changed, your income, your outgoings, your lifestyle or your family for example – all these elements can have a big impact on whether you’re able to commit to your regular monthly outgoings.

With such a complex set of changes in recent times, it is vital to see professional mortgage advice to establish whether you are still on the most suitable mortgage deal for your circumstances. It might be that you are seeking to make a change, but with our advice we can present you all of the facts and details of any hidden costs you may not be aware of, before making a decision that could have serious consequences for you and your family.

If you’re seeking to raise capital
You might want to borrow more money for a number of reasons – for example to pay for home improvements, to fund a car or simply to consolidate credit card and loan debts into a more manageable lump sum.

A remortgage could be a suitable option to do it but whatever the reason you want to borrow, we can help advise on the deals that can fit your own specific circumstances and give you the advice you need to make an informed decision to realise your own financial goals.

Your home may be repossessed if you do not keep up repayments on your mortgage.

All the information in this article is correct as of the publish date 27th April 2023. The opinions expressed in this publication are those of the authors. The information provided in this article, including text, graphics and images does not, and is not intended to, substitute advice; instead, all information, content and materials available in this article are for general informational purposes only. Information in this article may not constitute the most up-to-date legal or other information.

If you are looking to Re-mortgage give us a call today and see how we can help you, 01473 213312

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How can we help?  Call us on 01473 213312