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.

Specialist Finance

Bluebell Mortgages have specialist advisors who can assist you with your first or next commercial or self-build development, Limited Company, Self Employed or Contractor mortgages.

Contact us today to see how we can help.

Illustration of architect in front of a house build.

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Development Finance

  • New residential developments
  • One off Developer builds
  • Self-Builds
  • Conversions of house to flats
  • Barn Conversions
  • Property development (for renovation or refurbishment)

Please contact us with your development enquiry and we can design a bespoke mortgage package to fit your requirements.

Commercial Mortgages

Bluebell Mortgages can help you locate suitable commercial finance.

Small business looking for first premises. (Office, workshop, surgery etc.)

Expanding business looking for larger premises
Refinance of existing mortgage to obtain better terms or raise capital etc.
Commercial Buy to let investor

Please get in touch to discuss your individual requirements.

The Financial Conduct Authority does not regulate Commercial lending or finance.


If you are looking to complete your own “Grand Design” Bluebell Mortgages can assist with your self build mortgage options.

  • Advanced stage payments to help with cash flow
    Help and advice on planning and what is required to obtain a self-build mortgage

    We take care of all of the lenders application and requirements so that you can concentrate on your project.

    Please contact us with your development finance enquiries & for your free initial consultation.
    01473 213312

Illustration of architect in front of a house build.

Contractor Mortgages

We have many years experience in this area, talk to us & let us help you work out what your options are.

  • For those working on a fixed term contract or day rate.
  • Maximise your borrowing potential using your day rate.
  • Use the income calculation method that suits you best to obtain the largest loan, good if you use tax planning strategies to keep your self employed income low.
  • Options available for contractors who are close to the end of their current contract
  • Suitable for all contractors including IT, Oil & gas industry workers.
  • Lenders will take your CV into account when deciding whether to offer you a loan, this can be very useful for experienced contractors
  • On the flip side new contractors can apply from day 1 of their first contract (subject to underwriting)
  • Multiple contracts
  • Offset mortgage options available for contractors to make your money work harder for you
  • Options for those where no contract extension is available.
  • Options also available for Contractors with adverse credit

Self employed & Limited Company Director Mortgage

Bluebell Mortgages are experienced advisers in this area and can assist with your options

  • Multiple ways to calculate income when you are self employed.
  • Use your latest years figures or an average of the last 2 years
  • Borrow based on company profits not personal drawings which could help you to get a much larger loan.
  • Bluebell will deal directly with your accountant to obtain the relevant documents
  • Newly self- employed or newly formed companies with just a 12month track record   
  • Options available to remortgage your residential property and raise money for business purposes

Bad Credit

If you have bad credit and are worried about obtaining a mortgage, talk to us & let us help you work out what your options are.

  • CCJ’s outstanding or discharged
  • Discharged from bankruptcy
  • Outstanding or discharged defaults  
  • Missed or late payments on loans/credit cards
  • IVA’s
  • Debt relief orders
  • Mortgage arrears
  • Credit Repair mortgages

Bridging Finance

Bridging loans are short-term finance options used to ‘bridge’ the gap between a debt becoming due and finance becoming available.

There may be a number of reasons you need bridging finance, for example:

Properties purchased at auction:
Bridging will enable a quick turnaround and allow you to complete within the prescribed timescale.
Properties that are unable to be mortgaged, for example:
No Kitchen or bathroom or in need of complete modernisation

Short length of lease
Chain break

If you have found your ideal property but have not sold your own; or have sold but need to complete on your purchase, before your sale goes through.

Bridging products are also available to older borrowers who may have found the perfect property to downsize to.

The Financial Conduct Authority does not regulate some forms of Bridging loans. 

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

Knowledge Base