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.

Get Remortgage Ready

We’re here to help you for every step of the way, and we’ve put together a brief guide on how you can get yourself ‘remortgage ready’, so that together, we can make this as simple and straightforward as possible for you.

Why might I need a remortgage?

One of the most common reasons for a remortgage is that the term granted on an initial mortgage deal is coming to an end. Most mortgages are granted on an initial two-year or five-year period, and once this expires, many lenders will put you onto their default Standard Variable Rate (SVR) which can mean that you end up paying more than you need to, as the interest rate is sometimes higher than can be sought elsewhere.

For this reason, we’d advise that you get in touch with us, firstly, if you are in any doubt as to when your initial mortgage term expires, and secondly, for us to help you find a rate that may be more suitable for your own individual circumstances.

This can involve either a full remortgage, finding a new product with a new lender, or we can help arrange a product transfer, which is where we can put you onto the most suitable mortgage product with your existing lender. Either way, we’d recommend that you come to us for bespoke, professional advice on the most appropriate deal that fits your exact circumstances, especially as there’s so much at stake.

How to get Remortgage Ready

There are a range of easy steps that you can take which will help make the remortgage process as smooth as possible:

  • Plan ahead – allow some time for a remortgage to take place, ideally contact us around 3 months ahead of your existing deal expiring to give a good amount of time to find the most suitable deal for your circumstances, and we’ll keep in touch at every stage of the process to keep you informed on what you need to do next.
  • Plan your finances – just as for applying for your first mortgage, it pays to make sure your finances are truly in order. Check your credit score, don’t apply for any new credit, avoid any large purchases, avoid payday loans or overdrafts at all costs to boost your chances of quick acceptance for a remortgage. It also helps to bear in mind an estimate of your existing property’s value – have a look around at property websites to get a good idea of recent market prices.
  • Get your documents in order – just as for your first mortgage, documents will be required to prove your identity, current address and proof of income – save time by gathering your documents together upfront. This can include your last 3 month’s bank statements and payslips, proof of any bonuses, your latest P60 tax form, official ID (such as Passport) and proof of your address, such as utility bills with your name and address visible.
  • If you’re self-employed – you’ll need to show additional proof of income with three years history. You can aid your application by showing future workload and incoming revenue stream.

This should give you a good headstart on having the key documents and info you need ahead of a remortgage. We’re here to support you every step of the way, so if there’s any queries you have, just ask us and we’ll be happy to help. Give us a Call Today 01473 213312


There may be a fee for mortgage advice. The Financial Conduct Authority does not regulate some forms of buy to lets.

Have questions ?  Call us on 01473 213312

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