Independent Mortgage and Protection Advisers
01525 877701

Mortgage Products

We’ll find the best match for you and help you make your application a fast and efficient way.

When you call Blueberry Mortgages (Bedfordshire), you’ll get straight through to a member of the mortgage team, just let us know how we can help and you’ll be able to speak directly with a qualified mortgage consultant who is an expert.

  • Every UK lender, every mortgage, every possibility
  • Your own dedicated mortgage consultant
  • Simple, straightforward advice from people who care
  • We provide a market leading personal service

Please find below some of the popular mortgage products we cover:

First Time Buyer Mortgages

Overview

Thinking of leaving the nest and buying your first home?

If you’re considering buying your first home, your 30th birthday is now probably a distant memory. The average age of a first time buyer in the UK is now 36, so the clock is ticking.

Whatever your age, at Blueberry Mortgages (Bedfordshire), we are here to guide you at every stage of the process, from your initial phone call through to collecting the keys to your new home.

What we do for you

  • We calculate exactly how much you can borrow
  • We complete a detailed review of your credit file
  • We assess your income and expenditure
  • We will get your mortgage approved before you make an offer
  • We will keep your estate agent informed at every stage
  • You can get straight through to your dedicated Mortgage Consultant
  • You can upload supporting documents direct to your client file
  • You can sit back and relax
Remortgages

Overview

Stay with the same branch or take flight to another lender?

If it’s the right decision to go with a product transfer with your current lender, we’ll tell you, but you could save money by switching to a new lender.

Let us compare the whole mortgage market for you; these will include all High Street lenders and smaller friendly Building Societies, the results may surprise you.

What we do for you

  • We have access to every High Street lender
  • We also work with regional friendly Building Societies
  • Free Valuations with most re-mortgage products
  • Free Legals with most re-mortgage products
  • Let Blueberry Conveyancing complete the legals for you
  • Your own dedicated Mortgage Consultant and Administrator
Buy to Let Mortgages

Overview

We are the Buy To Let mortgage experts.

Whether your a first time landlord or you have already built a portfolio, build your property empire with Caroline Opie Mortgage buy-to-let mortgage experts.

We work with every UK buy-to-let lender, many of which can’t be found on the High Street or are only accessible via a broker with Blueberry.

What we do for you

  • Borrow up to 85% of the property's value
  • No minimum personal income required with some lenders
  • No requirement to be a home owner for first time landlords
  • Maximum age 75 at point of application
  • No maximum age when mortgage is redeemed
  • Houses of multiple occupancy and student lets
  • Limited Company Buy To Let
  • Blocks of flats and multi-unit freehold blocks
  • No credit scoring on some mortgage products
  • Let To Buy mortgage products available.
Credit Repair Mortgages

Overview

We are sub-prime, adverse credit mortgage experts

In today’s mortgage market, your Credit Score can affect the type of mortgage you qualify for; in simple terms your Credit Score is king!

If you have a less than perfect Credit Score and even a few historical credit issues, this won’t necessarily stop you getting a mortgage.

We work with specialist lenders not found on the High Street and smaller building societies who will look beyond your credit score. We may surprise you.

What we do for you

  • Mobile Phone defaults ignored with some lenders
  • Defaults accepted on some mortgage products
  • CCJ’s ignored with some lenders
  • Debt Management Plans considered
  • Mortgage Arrears accepted on some schemes
  • Current Individual Voluntary Arrangement (IVA) considered
  • Discharged Bankruptcy considered
  • No Credit Scoring on some mortgage products
  • Let us assess your Credit Report for you
  • Missed payments on unsecured debts considered
Interest Only Mortgages

Overview

Interest Only Mortgages are still available, but are they a wise move?

Interest only mortgages are still available with a number of lenders you will know and trust, subject to some straightforward lending criteria.

What we do for you

  • Interest only available up to 50% loan to value
  • You need to have £150,000 worth of equity
  • You do not need to have endowment policy or savings plan
  • Sale of the property is an acceptable repayment vehicle
  • Downsizing is an acceptable repayment vehicle
  • You won’t pay a higher rate of interest on some schemes
  • Free valuation on some schemes
  • Free legals on some schemes
  • You can make overpayments on some schemes
  • Our initial advice and recommendation is free
Purchase Transfer Mortgages

Overview

Let Blueberry Mortgages (Bedfordshire) arrange a mortgage product transfer with your existing lender

By choosing a new mortgage product with your current lender, you could avoid unnecessary fees and charges.

Blueberry Mortgages (Bedfordshire) will review what your current lender is offering compared to switching to a new lender, we’ll do all the number crunching to make sure you get the best deal.

What we do for you

  • We will compare the best deal with your current lender with all lenders
  • We could offer you an exclusive deal not available directly from your lender
  • Some lenders will only allow you to complete a transfer through a broker
  • We’ll compare the costs of a product transfer with switching lenders
  • Some lenders are offering a no fees re-mortgage service
  • No valuation fee on product transfers
  • No legal fees on product transfers
  • No arrangement fees with some lenders
  • Release equity at the same time
  • Complete your product transfer in days, not weeks
Mortgages Bedfordshire
Speak to Caroline
today
for free friendly advice on 01525 877701 / 07508 003342

Mortgage Products

Mortgage Products Bedfordshire It is becoming increasingly difficult just to get an appointment with a High Street Bank or Building Society to discuss their own, often limited product range, let alone getting a mortgage approved. Speak to us today to see if we can help you.

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Equity Release

Equity Release Bedfordshire Equity release allows you to access some of the money tied up in your house with absolutely no worries of having to give it up. Book that dream holiday, pay off those debts, get those home improvements done or help your family. Contact us today to see if we can help you.

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Protection

Protection Bedfordshire Protection is designed to cover your mortage payments if you're unable to work due to accident, sickness or unemployment. In exchange for a monthly premium, it pays you a set amount each month, usually up yo 24 months. Something to think about!

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Mortgage Calculator

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