Mortgages made easy...........

1. Mortgages
made easy
0800 901 903
info@blueberrymortgages.co.uk

2. Passion
Inspiration
Expertise

3. Finding the right mortgage for you
At Blueberry we are passionate about mortgages and
the service we provide our clients. Our advice is clear,
straight forward and we are with you at every stage, until
you get the keys to your new home
Richard Wylder, Sales & Marketing Director
Our Clients...
Whether you are buying your first home, remortgaging your existing home or
thinking of buying an investment property to let, Blueberry can help you find a
scheme suited to your circumstances.
Our Mortgage Advisers...
We understand that this is one of life’s biggest expenses. Our team of
experts are committed to finding the right mortgage for you. That means
that it must be affordable, and take into account your attitude to risk. We are
constantly reviewing lenders and their products and will use our experience to
maximise your choice.
3Blueberry Mortgages

4. How can Blueberry help you?
Convenience
Most mortgage advisers insist that you
visit them at their offices which means
you having to wait for the first available
appointment, taking time off work, the
inconvenience of travel and possibly
organising child minders.
At Blueberry we put you first. Our process
can be face to face or telephone based so
you can call from the comfort of your own
home at a time that suits you. Just sit back
and relax and let us help you to find the
most suitable product.
Choice of Mortgages
At Blueberry we work with all the
High Street lenders you know and trust
together with smaller Building Societies
and niche lenders.
By building and adding to our product
choice we know that we will be able to
match the best product to suit your needs.
Client Commitment
From the moment you call Blueberry, you
will know that we are different! You will get
straight through to a qualified Mortgage
Consultant who will explain your options
and once your application is underway, our
administration team will work hard to get
your mortgage offer issued as quickly
as possible.
Expertise
We understand that you are an individual
with individual needs. Our advisors have
the right level of expertise to find you the
most suitable and competitive mortgage
for your circumstances.
Our team of experienced adminitrators will
process your application to achieve the
fastest turn around time to achieve your
objectives.
4 Mortgages made easy

5. How much can you borrow?
One of the first things to do is speak to one of our advisers and get an idea of how much
you can comfortably afford to borrow. It is important that this figure remains affordable if
interest rates rise in the future.
How does a repayment mortgage work?
Your monthly payment is made up of “capital” (the amount borrowed) and interest. In the
early years you pay more interest than capital back but as the mortgage progresses you
pay off more of the property value. As long as you keep up your payments your mortgage
will be paid off by the end of the mortgage term.
0 5 10 15 20 25
Mortgage Term (Years)
Monthly
Repayment
AmountBorrowed(£)
Interest
Outstanding
Capital
5Blueberry Mortgages

6. The next step is to establish which type of mortgage scheme is best suited to your
circumstances. To do this you need to ask yourself a few questions.
What is my attitude to risk? Am I cautious? Would I prefer to know what my monthly
payments are each month and know that I can budget accordingly?
Do I have sufficient savings to take a lower initial pay rate on the understanding that if
interest rates increase my payments would rise accordingly?
Would I like a flexible mortgage where I can increase/decrease payments to take into
account my fluctuating income, bonus payments and tax bills?
Are my circumstances likely to change in the near future? If so could I avoid penalties and
move my mortgage to another property?
Understanding the types of mortgage?
6 Mortgages made easy

7. Conveyancing - If you are buying or selling a house you will need a solicitor/conveyancer
to complete the legals.
Stamp duty - this is a tax payable to Her Majesty’s Revenue & Customs (HMRC). This is
at a tiered rate dependent on the purchase price of the property.
Protecting your mortgage – buying a home is perhaps the largest financial commitment
you will make, it is essential that should the worse happen, your home and family are
protected. Blueberry will tailor a policy to give you complete peace of mind.
Buildings & Contents Insurance – once you have purchased your new home, you will
need to ensure that both your property and your valuables are fully protected. Blueberry
will compare the market and provide you with a competitive quotation.
So what do I need to do and when?
Call Blueberry to find how much you can borrow.
Find a property that is within your budget.
Once your offer is accepted, call Blueberry to get mortgage approved
in principle.
At this stage, you will need to instruct a solicitor or conveyancer.
Blueberry will liaise with you and the lender to get your mortgage offer
issued as quickly as possible.
Once you have your mortgage offer you can exchange contracts and
agree a date for completion.
Move in and enjoy your new home!
1
2
3
4
5
6
7
7
Other things you need to consider...
Blueberry Mortgages

8. It all starts with a phone call to Blueberry.
Call us now
Telephone:
0800 901 903
Mobile Friendly:
0333 9001 903
Email:
info@blueberrymortgages.co.uk
Address:
Blueberry Mortgages
5 Stowey House
Bridport Road
Dorchester
Dorset
DT1 3SB
www.blueberrymortgages.co.uk
Blueberry Mortgages is a trading style of Blueberry Wealth Limited which authorised and regulated by
the Financial Conduct Authority. Registered in England, No: 08722345.