About
Blue Sky Mortgages is an independent, whole-of-market mortgage and protection advisory service helping clients across the UK secure the right financial solutions with confidence. Whether you prefer to meet in person, online or over the phone, our advisers provide clear, uncomplicated advice tailored to your circumstances.
We believe mortgage advice should be friendly, efficient and accessible — which is why our team is available 24/7 to support you whenever you need help.
Independent advice tailored for you
As fully independent, whole-of-market advisers, we’re not tied to any bank, lender or insurer, which means the guidance you receive is entirely impartial and focused solely on what’s best for you.
We combine industry expertise with clear communication, breaking down complex options into straightforward explanations you can rely on.
Our aim is to provide a service that feels transparent, supportive and tailored from the very first conversation — giving you confidence in every decision you make.
Independent mortgage advice
Whole-of-market access
No complicated jargon
Friendly, efficient advisers
In person, online or phone
We provide unbiased mortgage and protection advice nationwide, offering simple, straightforward guidance tailored to your needs, budget and long-term plans.
Who We Are
Mortgage & Protection Advisors
Trusted
Experienced
Impartial
We compare products from across the market to deliver truly independent recommendations, ensuring you always receive advice that prioritises your best interests.
Get to know us
Meet The BlueSky Team
Darrell
Mortgage Manager
Darrell Robson began his career in the mortgage industry in 1995 and brings nearly three decades of experience within the UK financial services sector. Over the years, he has built an outstanding reputation for delivering trusted, reliable, and transparent mortgage advice to clients at every stage of their financial journey.
Darrell has successfully guided thousands of clients through one of the most important financial decisions of their lives.
What truly sets Darrell apart is his unwavering commitment to customer service and the personal touch. He believes that every client deserves clear communication, honest advice, and a tailored solution — not a one-size-fits-all approach. This philosophy sits at the heart of everything he does and forms the foundation of Blue Sky Financial Group Ltd.
Darrell is passionate about combining deep industry knowledge with a modern, client-first approach, ensuring that every customer feels informed, supported, and confident from first enquiry to completion and beyond.
John
Senior Mortgage & Protection Manager
With an impressive 35 years of experience in the mortgage and financial services industry, John brings a wealth of knowledge, insight, and reassurance to every client he works with. Having supported every type of borrower and mortgage scenario imaginable, John’s experience truly gives him the edge when it comes to securing the best possible outcomes for his clients.
John is proud to be known for his friendly, approachable manner and his commitment to taking the time to fully explain every step of the mortgage process. He believes that clients should feel confident, informed, and in control at all times, which is why he ensures they are fully involved and aware of what is happening from start to finish.
His calm approach, coupled with decades of hands-on experience, allows John to navigate even the most complex cases with confidence and clarity. Whether working with first-time buyers, home movers, remortgage clients, or property investors, John’s focus is always on delivering clear advice, outstanding service, and the right solution for each individual client.
Gareth
Mortgage Advisor
With over 10 years’ experience in the mortgage and financial services industry, Gareth is a trusted Mortgage Advisor dedicated to helping clients navigate the home-buying and refinancing process with confidence and clarity. Known for his clear communication, calm approach, and personalised guidance, Gareth prides himself on delivering a smooth, stress-free lending experience from start to finish.
Gareth specialises in creating tailored mortgage solutions to suit each client’s individual goals—whether they are first-time buyers, buy-to-let investors, movers, or homeowners looking to remortgage. His in-depth knowledge of lending criteria and loan products allows him to match borrowers with the most suitable options for their circumstances.
From pre-approval right through to completion, Gareth is committed to responsive communication, expert insight, and exceptional service, turning what can feel like a complex process into a confident and informed decision. His client-first approach ensures every customer feels supported, understood, and empowered throughout their mortgage journey.
Whole-of-market access to an extensive range of mortgage products.
FAQ
Your Mortgage & Insurance Questions Answered
This depends on your income, regular outgoings, credit profile, deposit size and individual lender criteria. We complete a full affordability assessment and compare offers from across the market to give you an accurate borrowing figure tailored to your circumstances.
Most lenders require at least a 5–10% deposit, although a larger deposit can give you access to better rates. The amount needed varies by lender and property type, and we explain your options clearly based on your goals and budget.
The timeline can vary, but many applications complete within 4–8 weeks. Factors such as lender processing times, valuation availability and solicitor work can affect this. We keep you updated at every stage to make the process as smooth as possible.
Having a stable income, a good credit record and a clear understanding of your budget all help. Reducing unsecured debt and ensuring documents are ready also makes the process easier. We guide you through everything lenders look for to help strengthen your application.
Typical costs include your deposit, solicitors’ fees, valuation fees, surveys, moving costs and, where applicable, Stamp Duty. We outline all expected costs upfront so you can plan your budget with confidence.
We advise on a wide range of options including fixed-rate, tracker, variable, interest-only, Buy-to-Let and specialist mortgages. As independent advisers, we compare the whole market to help you find the most suitable product.
A fixed-rate mortgage locks your interest rate for a set period, giving stable payments. A variable or tracker rate can move up or down, meaning your payments may change. We explain the pros and cons of each based on your financial plans.
Yes, many lenders offer mortgages to self-employed applicants. You’ll usually need to provide proof of income such as tax calculations, accounts or bank statements. We work with lenders experienced in self-employed cases and help present your application clearly.
Some lenders specialise in helping clients with past credit issues, depending on the severity and how recent they are. We review your situation in detail and explore the most suitable options across the market.
While not always mandatory, many clients choose Life Insurance, Critical Illness Cover or Income Protection to safeguard their home and family. We explain each option and help you decide what level of protection feels right for you.