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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    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.

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With the Cost-of-living crisis hitting all UK residents, one segment of those affected are those retired on a state pension. With a fixed income, they may be hit hardest by the recent rise in prices, and are more likely to be unable to supplement it due to infirmity.

According to the Pensions and Lifetime Savings Association (PLSA), pensioners need to spend an extra £2000 just to achieve a basic standard of living.1

A single person would need a minimum of £12,800 to cover their basic needs. Last year the average cost was £10,900.1 The PLSA claims that pensioners relying on state pensions, who represent a sizeable proportion of those on minimum living standards, are being hit the hardest because most of their budget is spent on the main components behind the rise in inflation, namely food and the rising cost of energy.

The PLSA’s report has calculated that a retired couple will need a minimum income of £19,900 pa to meet the minimum standard – a 19% rise over 2021.1

If you are retired or approaching retirement, you may be concerned as to how the cost-of-living increases will affect you, or if you have an outstanding mortgage or other borrowings, how the increases will affect those greater financial concerns.

If you do have any concerns, we are here to help, simply get in touch with us to book an appointment.

If you wish to proceed with any mortgage advice, we will issue out our Initial Disclosure Document at the start of the sale to outline what services we offer and any relevant fees or charges for advice.


1 – Pensions and Lifetime Savings Association (2023). Rising Prices Add Almost 20% to “Minimum” Cost of Retirement. Available at: [Accessed 24 Jan 2023]

All the information in this article is correct as of the publish date 26 January 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.

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How can we help?  Call us on 01473 213312