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.

    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.

  • 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.

Insurance

At Bluebell Mortgages we are passionate about ensuring that we advise and arrange the most appropriate mortgage products for our clients. 

Once this has been achieved we are equally passionate about helping to ensure that you can remain in your home and support yourself and family if the unforeseen should happen.

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Insurance Protection

We are fully qualified to advise you on your protection requirements.  This can range from life assurance to protect your mortgage or family, critical illness cover if you are unfortunate enough to be diagnosed with a specified serious illness, or income protection to cover your income if you are unable to work due to an accident or illness.

This can be a complicated area and one that can be pushed to the side during the stress of moving however the day may come when it is too late to rectify this decision. 

We will help to take the stress out of arranging your protection and ensure that these essential decisions are addressed and appropriate products are in place when they need to be.

Types of personal insurance solutions:

  • Mortgage cover – will pay out a lump sum to cover an outstanding mortgage debt and can be arranged on a level (to cover an interest only loan) or decreasing basis to cover a repayment loan.
  • Family cover – will pay out a lump sum or income to your loved ones to help see them through school to adulthood or to your partner if they would be unable to financially support themselves without your income.
  • It can be added to a mortgage or family policy or taken on its own, it will provide a lump sum or income. Critical illness cover can be a complicated area with providers offering many differing levels of cover and policy specific conditions. At Bluebell Mortgages we have a detailed knowledge of the market and can provide you with advice and recommend a critical illness policy that is right for you.
  • Income protection provides a monthly income to replace your normal earnings if you cannot work due to an illness or an accident. It is available to employed and self-employed people and can provide a much-needed lifeline to cover your mortgage, bills, food, utilities and other regular monthly outgoings.
  • Whole of life assurance is guaranteed to pay out at some point and can be used with inheritance tax planning to cover any tax liability.

    **Bluebell Mortgages does not provide tax advice, independent tax advice should be sought on investments

Types of Property Insurance

  • If you are purchasing or re-mortgaging a property with a mortgage then buildings insurance is a mandatory requirement of the lender and needs to be in force at the point of exchange of contracts.
  • We have access to 5-star defaqto rated home insurance providers to provide top quality cover and service.
  • As buildings insurance, but on tenanted properties.
  • Landlords can also select cover for their rental income if a tenant defaults. 
Have questions about home insurance?  Call us on 01473 213312

Knowledge Base