Mortgages
Choosing a mortgage can feel overwhelming, but it doesn’t have to be. At Blue Sky Mortgages, we offer independent, whole-of-market advice, helping you understand your options and secure the right deal for your circumstances.
Whether you’re buying your first home, moving, investing, or looking to save money on your current mortgage, our advisers are here to guide you every step of the way.
Independent mortgage advice that suits your circumstances.
As independent, whole-of-market advisers, we’re not tied to any bank or lender, which means you receive recommendations that are entirely unbiased and focused on what’s right for you.
We review rates, fees and product features in detail, helping you understand all your options with complete clarity.
Our aim is to make the process straightforward, transparent and tailored from start to finish.
Independent mortgage advice
Whole-of-market access
No complicated jargon
Friendly, efficient advisers
In person, online or phone
First Time Buyers
A smooth, stress-free move with expert guidance and tailored mortgage options.
If you’re upsizing, downsizing or relocating, we help make your move stress-free with independent, whole-of-market advice. Our team reviews your current mortgage, checks whether porting is suitable, and compares new options to find the right fit for your next home. With friendly support available in person, online or by phone, we guide you through every step of the process.
Home Movers
Support to get you on the property ladder with clear, simple advice.
Remortgages
Switch to a better deal, reduce your monthly payments or release equity.
Whether your current deal is ending or you’re looking to save money, we compare a wide range of lenders to help you secure a better rate. If you want to release equity or explore new mortgage options, we explain everything clearly and manage the process from start to completion. We also assess whether a product switch with your existing lender might be the best choice.
Product Switch
Stay with your current lender but move to a more competitive rate.
Buy to Let
Mortgages for landlords, property investors and those building a rental portfolio.
From first-time landlords to experienced investors, we provide tailored Buy-to-Let advice based on your goals and rental plans. We compare specialist lenders, explain rental stress tests and deposit requirements, and help you secure a mortgage that works for your investment strategy. Support is available in person, online or by phone – whenever you need us.
Equity Release
Later-life lending options designed to support your financial needs in retirement.
For homeowners aged 55 and over, equity release can provide tax-free funds while allowing you to stay in your home. We offer clear, independent advice on Lifetime Mortgages and drawdown options, helping you understand the long-term impact and whether it’s right for you. Our team ensures you make informed, confident decisions about later-life lending.
Make Informed Decisions with our Simple Calculators
Mortgage Calculator
Estimate how much you could borrow
Stamp Duty Calculator
See what you will pay
Check monthly payments
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.