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.

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    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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The return of the piggybank?

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We are all having to cope with rising costs and at a time when every penny seems to be accounted for to pay for food, fuel and other living costs, it would seem that building an emergency fund would be a little down the list of priorities.

Yet, there has never been a more vital time to build up an emergency pot to cope with the more irregular costs that come up, such as car breakdowns, boiler servicing and Christmas presents.

According to the Building Societies Association (BSA), more than a third (36%)1 of savers say they are relying on their savings to get them through the cost-of-living crisis. Given the concerns that incomes are not keeping up with rising costs, 13% of people who responded said they have no savings at all, while 33% said that if they lost their jobs and the income that provided, their savings would not cover their living costs for a month1.

Before looking at whether the family budget can sustain the burden of diverting money specifically to savings, it is important to look at how economies can be made, especially in reviewing current borrowing – not just mortgages, but also outstanding loans and credit/ store cards too.

However, it makes sense, not only to look at reviewing any existing borrowing, but also to build up a fund to help with unexpected bills, and something as simple as setting up a direct debit from your main bank current account to a secondary ‘piggy bank’ account can help, saving little and often every month to build up emergency savings that are there for when you need them.

Sources Building Societies Association (2022) With a third of people relying on their savings to get by, UK Savings Week aims to help those who can get into a better savings habit. Available at: (Accessed 21 October 2022)

All the information in this article is correct as of the publish date 24th November 2022. 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.

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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