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.

Shared ownership (part buy/rent)

Case study

Our client was Louise, a single mum renting a small 2-bedroom flat in Brighton.  Since her divorce in 2005, Louise never thought she would be able to be a homeowner again and resigned herself to a life of renting.  She put herself through university, gained a Doctorate and is now a lecturer at her local university.   With no savings and scraping by month to month, a friend and existing client, suggested she look at shared ownership and to contact Rachel at Bluebell for advice.  She needed to put down roots and provide a stable home for her family so was excited when she was accepted on to the shared ownership scheme.

It took a while, but Louise finally identified a 3-bedroom detached house that was within the children’s school catchment area, so she applied.   However, without a deposit she didn’t know how she would be able to secure the property.  Speaking with her, she mentioned her parents who are in their 70’s and own their property outright.  With this in mind we, arranged to release some funds from their property to cover a 5% deposit and associated costs. 

The housing provider allocated the property to her and the purchase was underway.  Louise completed on her purchase in 2016. 

With a 5% deposit, she purchased a 25% share at £70,625 and a mortgage loan amount of £67,093 was arranged through Leeds Building Society.  We arranged a 2-year fixed rate mortgage to ensure Louise was achieving the best interest rate available.  With the shared ownership rent and service charges of £600 and a mortgage payment of £346 per month, her total housing cost was under £1,000 per month.  This saved her £200 per month compared to renting.

In 2019, she had enough equity to staircase (purchase additional shares of her property) to 50%.  The property is now valued at £315,000 and as she is in a new relationship, intends staircasing to full ownership at her next mortgage review. 

Within 5 years, We have been able to guide and assist Louise’s dream of owning her own home again. 

Shared ownership is an affordable housing scheme with the aim to enable first time buyers and those who have already owned a home own their own home but are unable to afford to buy on the open market.

Help to Buy are a government appointed agency who oversee the scheme across England.  Help to Buy agents are split into 4 geographical areas:  

The Help to Buy scheme (also known as the Help-to-Buy Equity Loan) closed to new applicants in October 2022 and ended on the 31st of March 2023.

With house prices and private rents rising, we see more and more shared ownership enquiries for those looking to get on the property ladder. Take a look at our Shared Ownership page.

How can we help?  Call us on 01473 213312

Shared ownership (part buy/rent)