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.

Older borrowers forced to sell their family home!

Mr A (70) & Mrs A (69) are older borrowers and took an interest only mortgage of £100000 20 years ago with a high street lender to buy their current family home.  The term of the mortgage was until Mr A’s 70th birthday and they had planned to sell the property and downsize.

However Mrs A developed a chronic illness which meant that the home had to be specially adapted to her needs. They are both very settled in their current home and do not wish to downsize. They have been getting letters from their current lender asking how they plan to repay their interest only mortgage as it is now due for repayment, and the worry about having to move and what they can do has been causing Mr and Mrs A anxiety and sleepless nights.

They found Bluebell Mortgages online and after looking at our older borrower later life lending information, Mr A called the office and spoke to one of our advisors.

Mr A told us about their situation and their desire to stay in their current home. Mr A said that they felt very uneasy knowing that the lender could sell their property if they didn’t come up with the money. He was worried that the stress was making his wife’s illness worse and wanted to make sure that she felt secure. He was also concerned that he would not be able to afford to borrow the money required as since taking out the last mortgage he had retired and given up work completely.

Our advisor listened to Mr and Mrs A’s situation and what they wanted to achieve. He then went on to recommend a lifetime mortgage to Mr and Mrs A which is a particular type of older borrower loan whereby income is not taken into account, the loan is based on property value and age. Our advisor was able to secure the £100000 that the clients needed to pay off the existing lender. The clients also had the option of paying the interest on the loan as they had been doing on their previous mortgage, or adding the interest to the loan balance. Mr A said that the latter may be a good option for his wife later on in life as if he were to pass away before her, his pension income would be lost.

Our adviser arranged the mortgage for the clients and organised solicitors to complete the process, we helped the clients complete all the required paperwork and kept them informed every step of the way.

Since taking out the new lifetime mortgage Mr & Mrs A have told us that it is a huge weight off their minds and they are very happy that they don’t have the worry of losing their house. They are able to sleep soundly again!! We have helped lots of people in similar situations to Mr & Mrs A, and if you find yourself at the end of your mortgage term with no idea how to repay the debt. Please don’t have sleepless nights, we are only a call away. 01473 213312  

How can we help?  Call us on 01473 213312

Older borrowers forced to sell their family home!