Bluebell Mortgages
  • Services

    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.

  • Resources

    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.

  • About
  • Contact
  • 01473 213312

Category: Blog

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.

Are Your Savings Working For You?

Recent times have seen a dramatic rise in interest rates, and we’ve all seen the impact on monthly mortgage payments as a result, but what’s less publicised is how your savings could now be working harder for you. We take a look at some tips on how to make the most of higher interest rates. […]

Home Extensions: Where To Start?

If you and your family are thinking of needing extra space – the natural thought can be to simply search for a new property. However, with the turbulent housing market and rising cost of mortgages – one answer might be right under your feet. Adding Value to Your Home Not only can a home extension […]

Spring Sales: Get Your Home to Market

With days getting longer, and a certain something in the air – Springtime has been proven to be the best time to sell a home. We look at a few quick tips on how to seize the moment and get your home ready for sale. Why is Spring so popular? According to research from property […]

Should I Overpay my Mortgage?

We look at some of the pros and cons of making a mortgage overpayment each month to see whether the average homeowner could be better or worse off by making an additional payment each month.

Invest in Your Property to Reduce Energy Consumption

As the nights draw in, the thoughts soon head towards the inevitable question – ‘when to switch the heating on?’ With rocketing energy prices over the last couple of years, that suddenly becomes a more expensive question to answer, so we’ve highlighted a few areas where choice investment in your home may help you save […]

Boilers and Energy Ratings: What the latest Government Changes Mean for Your Home

Prime Minister Rishi Sunak recently made an announcement1 on a number of policies that affect the UK’s path to ‘Net Zero’2 by 2050. Whilst the headline news was primarily the pushback of the ban on the sale of new pure-petrol & diesel cars to 2035, there were some additional announcements that can affect our homes too. Boilers […]

Reduce Your Outgoings by Checking the Basics

Times are hard right now, and if you’re struggling to balance your income against the outgoings, then one action that you can see if you can save money by checking to see if you’re paying too much for utilities each month.

Spotlight on Framlingham

Framlingham is a charming market town located in the heart of Suffolk. Known for its rich history, picturesque landscapes, and welcoming community, living in Framlingham offers a peaceful and idyllic lifestyle.

How long could you last without an income?

We take great care to insure valuable items around us – whether it’s cars, pets or mobile phones, but if something were to happen to you or your partner – for how long could you continue to pay the bills?

Pensions – when will you be able to get yours?

Pensions will rise by 10% this year1 but the cost of maintaining the state pension is becoming unsustainable for the UK Treasury. For those of us who have maintained our belief in the automatic right to a pension when we reach retirement age, we may have to alter our expectations.

Inheritance Tax – is your estate going to be liable?

Many of us may not believe that our families would be likely to be liable to pay inheritance tax (IHT) when we die, but a new report highlights that more of us will have to pay the tax before the residue can be passed on to our families1. HM Revenue & Customs (HMRC) reported a […]

Spotlight on Woodbridge

Nestled in the heart of the picturesque Suffolk countryside, the historic town of Woodbridge offers a tranquil and idyllic place to call home. With its rich heritage, scenic landscapes, and welcoming community, living in Woodbridge is a delight for residents and visitors alike.

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

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 endMost mortgages are granted on an initial deal (fixed, tracker or discounted variable) that lasts for […]

Do you know what to do if your phone or bank and credit cards are stolen?

Have you ever lost a purse or wallet, or worse still, had one stolen? It can happen to anyone and is more common than you might expect. In today’s world where many of us don’t carry cash, thieves targeting credit cards, debit cards and mobile phones can cause havoc with your finances in a very short time.

Spotlight on Bury St Edmunds

Bury St Edmunds is a small market town in the heart of the picturesque county of Suffolk, in the east of England. With a rich history dating back over a thousand years, this town has a lot to offer to those who choose to make it their home.

Spring Cleaning Tips to help sell your home

t’s getting to that time of year when the weather is starting to improve, Spring is in the air and you may be thinking about moving home in the months ahead. We’ve put together some helpful tips on simple Spring cleaning tasks that may make a big difference in helping your home sell quickly.

Spotlight on Colchester

Colchester is a beautiful and historic town in Essex, UK, located just a few miles away from the coast. It is a perfect place to live for those who want to be close to nature while enjoying the benefits of a bustling town.

Rate Update – Are Mortgage Rates coming down?

With the Bank of England Base Rate still going up, it looks odd to see mortgage rates coming down when logic dictates that they should be following the Base Rate. Yet as the Bank of England raised interest rates by 0.5% to 4% on the 2nd of February, a lender had just announced a five-year fixed rate mortgage at 3.95% for five years.

Spotlight on Norwich

Norwich, a vibrant and historic city in the heart of East Anglia, has long been a favourite destination for tourists and day-trippers. However, it is also a lovely place to call home.

Spotlight on Cambridge

Cambridge is a beautiful and historic city located in the east of England, known for its world-famous university, stunning architecture, and thriving cultural scene. It is a city that attracts a diverse population of students, academics, professionals, and families, all drawn to its charm and unique character.

Winter Tips to Keep Your Home In Check

With the long dark nights and cold temperatures biting, we share a range of seasonal tips to help keep your home on top form until better weather arrives.

Credit Cards – Caution Required

Most of us have one or more credit cards, and if used properly, can be a very helpful tool. Making payments on time every month can boost your credit score and some cards may offer rewards and potentially even 0% interest for balance transfers from other cards for a limited period.

Five Ways to Cut the Cost of Christmas

The cost-of-living crisis means that Christmas may have to look a little different for many people this year, but the good news is that a budget Christmas can still be a special one. We’ve put together five top tips for how you can cut the cost of Christmas, all it takes is a little creativity […]

Heatproofing your home

In the current economic conditions, it makes sense to look at the actions we can take to improve our homes’ heatproofing. …..

The Bank of England Raises Interest Rates to 3.00%

Today, the Bank of England has announced that they are increasing the base rate to 3.00%, which represents the largest single interest rate rise in 33 years (1), with a possibility that this may increase further in the coming months.

Are your elderly relatives receiving all their winter benefits?

Predictions of a tough winter with rising fuel costs are at the front of many people’s minds, but especially the elderly. Energy bills are due to go up again in October which means that warming up the house will be much more expensive than it was last year1. However, the Government is offering a number of winter benefits to those who are eligible.

Autumn Mini Budget Details

In today’s mini-budget, Chancellor Kwasi Kwarteng has announced a series of measures designed to stimulate economic growth. Among these are tax breaks for businesses and increased government spending on infrastructure projects. The Chancellor is confident that these steps will lead to a more prosperous future for the country. We have outlined a summary of the outcomes of today’s budget.

Budgeting and insuring your new university student

If you have a freshly-minted university undergraduate in the family who is probably leaving home for the first time, there is much to look forward to, but also much to organise to ensure a smooth transition into their university life. Most parents have passed on the key basics of money management to their children, but […]

Is it time to switch your mortgage?

At the beginning of August, the mortgage industry regulator, The Financial Conduct Authority (FCA), published a statement estimating that there are approximately 370,000 borrowers who could save money by switching their mortgage.1 The FCA also gave insight into the savings that can be made across the nation – amongst the 370,000 homeowners highlighted that over […]

Will removing the ‘stress test’ make homebuying more affordable?

We have all witnessed the rise in house prices in recent times, affecting so many people, not only those currently renting and first-time buyers, but existing homeowners seeking to move up the property ladder to allow for growing families or those looking to find a property that will suit them in old age. Property price […]

Cutting costs without Compromising Security

If you’re seeking to prioritise your monthly expenditure and have concerns or queries about your existing insurance payments, we encourage you to book an appointment with us to review your circumstances. We’ll take the time to give bespoke advice to help ensure that the policies you hold will continue to fit your individual needs and can provide sufficient cover for when you may rely on them the most.

Renovate, or Buy Already-Modernised?

If you were looking for a property to purchase today, would you be more interested in something you could do up or a dwelling that had already been modernised and did not need anything spent on it?

Interest rates – How will they affect you?

Interest rates have not been a real topic of conversation for over twelve years. A generation has grown up not having to think that the cost of their mortgages or loans might rise. ….

Garden improvements to add value to your home

The Covid-19 lockdowns reminded us of why open space is so important to our sense of well-being and it is noteworthy that as lockdowns were eased, the main requirement for people looking to move home was the need for open space

Barsham Vale, Beccles, Suffolk

CGI of the Barsham Vale development – Image: Hopkins Homes

CGI of the Barsham Vale development – Image: Hopkins Homes Bluebell Mortgages Can Help You to Secure a Mortgage For The House of Your Dreams We have recently completed two mortgages at the Barsham Vale Development, built by Hopkins Homes and the next could be yours! At Bluebell Mortgages, we help many couples, families and […]

Mortgage Advisor Based in Ipswich

Are you a First Time Buyer, looking for Shared Ownership Properties, or simply looking to Remortgage your home in Ipswich? Ipswich town is situated within the county of Suffolk in the east of England. The River Orwell runs through the town and Ipswich is in fact known for being one of England’s oldest towns. There […]

Simple Frauds are proven to be the most hazardous

Most of us are aware of the risk of being a victim of fraud. We take basic precautions to guard our passwords, especially those to do with money and banking or when using the internet to buy goods and services online. However, according to research, we are at our most vulnerable when we are telephoned […]