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.

Moving Home

Illustration of family moving house with packing boxes.

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Ready to move up the ladder?

Have you outgrown your current house, had children, need to be in a certain school catchment or just fancy a change, there are many reasons why people will want to move home. Bluebell Mortgages can help your home move go as smoothly as possible.

If you are ready to move up or down the property ladder we can assist you.
We will inform you of all of the likely fees associated with a house move.
Identify your current position & then calculate your likely required loan amount.
We will then be able to determine how much you can borrow to enable your move.

Illustration of houses on a ladder
Illustration of a man and woman with a questioning pose

Where do I start?

You will need to find out how much your current property is worth.

Whilst it is possible to approximate a valuation using online sources, to be certain you need to speak to an estate agent who has knowledge of the local market and the likely demand for your property. The advice of a knowledgeable local estate agent is invaluable.

Once you know what your property is worth we can then work out how much you can/should purchase for.
To do this, we will need to know.

  • The amount of equity in your property (this is the difference between the value of your house minus any mortgage you have secured on it.
  • Your borrowing capacity
  • Monthly repayments
  • Your costs to sell and buy.

    See our knowledge base article “Home mover – Moving up the ladder (how do I know how much I can spend on my new house)”

What about my Deposit amount?

When moving, it is normal for most of the deposit for your new house to come from the equity of your existing one.
The amount of money you can put into your property purchase in addition to your mortgage has a bearing on how much a lender will lend you.

Generally, the larger your deposit/equity from your current home the less risk for the lender and they more they will lend.

Finding out what you can borrow.

You need to understand your borrowing capacity as well as what your repayments are likely to be.

We are all different and so are our finances, lenders need to understand your lifestyle so that they can work out the size of loan to give you.

Lenders will ask questions to work this out. They will analyse your income, if you pay your debts back on time and other elements such as your Age and your Commitments will also be taken into account.

Once we have worked out your income, commitments, likely credit score, deposit and how long we are able to borrow the money for we can then work out the the most appropriate mortgage deal and terms for you.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Knowledge Base