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.

Credit Score Guide

Do you pay your debts back on time?

The credit rating and credit score, it’s a bit like a mythical beast with many wild rumours doing the rounds.

  • Too many checks hurt my score?
  • My score is 999 but I have been declined
  • I have no credit therefore I am penalised.

Your credit score and credit rating are two different things but the terms are used interchangeably, your credit score is individual to the lender you are looking to borrow your money from. Lenders award points to you for certain traits.

Lender A may have had bad debts from a certain profile of customer in the past for example someone who has only been self-employed for 18 months. If this is the case they will apply a negative weighting to your score, if this is coupled with something else they deem negative such as having a small deposit and not paying a loan back on time you may not hit the desired threshold of points for them to grant you a loan.

A credit report is a very valuable tool when applying for a mortgage; you can download yours for free at the following website (, or register with one of the paid services such as credit expert or Equifax.

Lenders never divulge their credit scoring system mainly as it is computer generated so you never know if you will be accepted or rejected until you try.
However, Bluebell Mortgages are an experienced Suffolk based mortgage advisor and have a detailed knowledge of lenders criteria which proves invaluable when knowing who to approach and who to avoid.

Have questions ?  Call us on 01473 213312

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