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.


If you already have a mortgage and if your current deal is coming to an end, or you are on your lenders standard variable rate Bluebell Mortgages can help you to locate the most appropriate deal for your requirements.

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Why remortgage?

There are many reasons to remortgage…

There are many reasons to remortgage…

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Where do I start?

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

When you contact Bluebell Mortgages for a remortgage we will…

Check your current position, work out what you owe to your current lender and your current interest rate, monthly payments and if you have any penalties for clearing the loan before a certain date. (known as ERC’s or Early Repayment Charges)

Even If you have early repayment charges we recommend starting the process up to 6 months in advance to allow plenty of time for discussion, collating documents and arranging the switch.

Find out what you can borrow so that you understand your borrowing capacity as well as what your repayments are likely to be.
The amount you can borrow, is not just based on a multiple of your income, lenders have become much more sophisticated in recent years and most now have complex affordability models that take account of your specific circumstances.

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.

Amount of equity

The amount of money you have built up in your property has a bearing on how much a lender will lend you.  Generally, the amount your property is worth less the amount outstanding on your current mortgage will be the amount of  equity you own.  This will effectively become the deposit element of any new mortgage.  As part of our mortgage assessment we will carry out an online valuation of your house to gain an idea of your likely equity and how this affects your borrowing capacity and mortgage deal.

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.

What about my Current Lender?

A Complete Service

As well as checking the for the most suitable deals we will also compare this to what your current lender will offer you.

We will advise you of your options by assessing your individual needs and circumstances, if your current lender is the right option we will tell you this and can also complete the product switch for you. Staying with your current lender can have some advantages and if we go down this route we will not charge you a fee. 

How can we do this? The lender does not require any further documentation from us such as payslips/bank statements etc and so the process can be much quicker. Saving this time allows us to pass the saving onto you.  

Bluebell mortgages will then handle the whole remortgage process for you every step of the way.

We will aim to:

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

Have questions?  Call us on 01473 213312

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