Bluestone Mortgages

Bluestone Mortgages: Flexible Lending Solutions

Bluestone Mortgages is a specialist lender dedicated to providing mortgage solutions for those who may struggle to secure finance through traditional high street lenders.

With a focus on helping clients with less-than-perfect credit histories or non-standard income sources, Bluestone Mortgages offers products designed to meet the needs of borrowers in complex financial situations.

At Kerr & Watson, we can arrange a mortgage from the whole of the market including Bluestone to bring you tailored mortgage options that align with your unique circumstances.

Why do people consider Bluestone Mortgages?

No Credit Scoring

Bluestone Mortgages takes a different approach to lending by not relying on traditional credit scores. This is ideal for clients who may have had financial difficulties in the past, such as defaults, County Court Judgements (CCJs), or Individual Voluntary Arrangements (IVAs). Kerr & Watson can help you navigate Bluestone’s criteria to find a mortgage that fits your needs.

Flexible Criteria

Bluestone is known for its flexible lending criteria, allowing up to four unsatisfied defaults and three CCJs in the last three years. They also consider applications from self-employed individuals with just 12 months of trading history, making them a go-to lender for those with non-standard income or complex financial backgrounds. At Kerr & Watson, we work closely with Bluestone to ensure that even the most complex cases are handled smoothly.

Specialist Products for Complex Needs

Whether you’re self-employed, a short-term contractor, or have a history of credit issues, Bluestone Mortgages has a range of products tailored to meet your specific requirements. Their focus on helping customers who might be overlooked by other lenders makes them a strong choice for those seeking a fresh start or a more flexible approach to borrowing.

Personalised Support

Both Bluestone Mortgages and Kerr & Watson are committed to providing exceptional service. From your initial consultation to the completion of your mortgage, you can rely on our team to provide the guidance and support you need to secure the best possible outcome.

Product Highlights

Residential Mortgages

Ideal for clients with a non-standard credit history or income, offering flexibility that other lenders might not provide.

Self-Employed Mortgages

Designed for those with minimal trading history, Bluestone’s self-employed products are tailored to meet the unique needs of business owners and contractors.

Credit Repair Mortgages

Products specifically aimed at helping borrowers rebuild their credit while securing a mortgage.

Remortgaging or Switching Rates with Bluestone Mortgages: What You Need to Know

If you are currently a customer of Bluestone Mortgages and considering a rate switch or product transfer, it’s essential to review your options carefully. Bluestone Mortgages is known for offering solutions to customers who may not meet the criteria of mainstream lenders, which can result in higher interest rates. Therefore, while staying with Bluestone might be convenient, it may not always be the most cost-effective choice.

Before committing to a rate switch or product transfer with Bluestone, it’s advisable to explore remortgaging options with other lenders. By doing so, you might find a more competitive rate that better suits your financial needs. An independent mortgage advisor can provide valuable insight by comparing all available mortgage products across the market, ensuring that you make the most informed decision—whether that means staying with Bluestone Mortgages or moving to a new lender for a more favorable deal.

Why Contact Kerr & Watson?

At Kerr & Watson, we understand that every borrower’s situation is unique. We specialise in connecting clients with lenders like Bluestone Mortgages, who are willing to consider applications that other lenders might reject. Our team of advisers will work with you to explore all available options and help you find the mortgage solution that best suits your circumstances.

Get in Touch

Don’t let past financial challenges or non-standard income sources hold you back from securing a mortgage. Speak to an adviser at Kerr & Watson today to discuss how Bluestone Mortgages can provide the flexibility you need.

The information on this page is not tailored to any individual readers and should not be considered financial advice under any circumstances.

If you are seeking advice about a mortgage, you should speak with a qualified advisor.

Your Mortgage In 3 Easy Steps…

Conversation

Schedule a call to talk to a mortgage advisor about your goals, challenges and vision for your mortgage.

Alternatively give us a call on 01252 224620 or email us on info@kerrandwatson.co.uk.

Research

We will take the information gained on the call and carry out some research before sending you a bespoke recommendation.

If you would like an agreement in principle, we’ll also arrange this for you.

Application

We will submit the full application to the mortgage lender, sending them the documents and liaising with the underwriters until the mortgage has been fully offered on the new interest rate.

We will also communicate with you at every stage, from application to completion.

Talk To Us

Featured In

Testimonials

Awards

Contact Us

Get A Free Consultation – Find out your options by speaking to a mortgage or insurance broker today.

By clicking on ‘Submit’, you consent to your contact details being stored by us and agree with our Privacy Policy.

Kerr & Watson | Address: Pembroke House, 8 St Christophers Pl, Farnborough GU14 0NH, UK | Phone: 01252 224620 | Email: info@kerrandwatson.co.uk | Hours: Mon-Fri 9:00–17:30

Frequently Asked Questions

▸ ▾ What does a mortgage advisor do?

A mortgage advisor evaluates your income, outgoings, credit history, and other financial commitments. They also assess property-related details, whether you’re buying or refinancing, ensuring you understand the best mortgage options for your situation. They also process the mortgage application to the lender, working with them to obtain a mortgage offer, then work with the conveyancer towards the completion of your purchase or remortgage.

▸ ▾ How does a mortgage advisor enhance the likelihood of mortgage approval?

A mortgage advisor increases your chances of mortgage approval by matching you with the most appropriate lenders, optimising your application, and navigating complex lending criteria to find the best value deal for your circumstances.

▸ ▾ What are the financial benefits of working with a mortgage advisor?

Working with a mortgage advisor can save you from costly mistakes such as choosing the wrong mortgage type or failing to meet a lender’s criteria. Their expertise often leads to securing more favourable mortgage terms and rates.

▸ ▾ Can a mortgage broker get you a better rate?

Often, a mortgage broker can find more cost-effective deals for you, even when their fees are considered, they can review the whole market and access exclusive broker only products that may not be available directly to the public.

▸ ▾ What steps should you take before speaking to a mortgage advisor?

Before speaking with a mortgage advisor, gather all relevant financial documents, including payslips, bank statements, and details of your credit history to ensure an accurate assessment of your situation.

▸ ▾ What range of financial history do mortgage advisors examine?

Mortgage advisors and lenders typically assess the last six years of your credit history to gauge your financial behaviour, this includes any missed payments or defaults.

▸ ▾ How long does it take a mortgage advisor to get a mortgage offer?

The process from application to approval of a mortgage can vary, normally this is anywhere from two to six weeks depending on the mortgage lender and the complexity of your situation.

▸ ▾ Do mortgage advisors have access to exclusive mortgage rates?

Yes, mortgage advisors often have whole-of-market access, which allows them to secure competitive rates, sometimes not directly available to consumers.

▸ ▾ What documents do mortgage advisors typically require?

Advisors typically need proof of identity, proof of address, 3 months payslips, tax calculations or accounts, bank statements, and potentially credit report to fully assess your financial situation.

▸ ▾ What are the advantages of using a mortgage broker rather than going direct to your bank?

A mortgage broker can provide whole of market advice by comparing offers from multiple lenders, potentially securing better rates and terms than a single bank’s offerings.

▸ ▾ Who are the Financial Conduct Authority?

The Financial Conduct Authority (FCA) regulates mortgage brokers and lenders to ensure they adhere to ethical and professional standards.

▸ ▾ How do you know if your mortgage advisor is qualified?

A qualified mortgage advisor should have a Certificate in Mortgage Advice and Practice (CeMAP) or equivalent, which is recognised by the Financial Conduct Authority (FCA). They should also be listed on the Financial Services Register, ensuring they are authorised to give mortgage advice.

▸ ▾ How can you get a free credit report?

Lenders look closely at your credit score to decide how risky it is to lend to you. A good credit score can not only boost your chances of getting approved for a mortgage but might also get you better interest rates.

CheckMyFile offer a 30-day free trial after which a subscription fee applies, which can be cancelled any time.

CheckMyFile is a UK credit reporting service that collates information from the most popular credit referencing agencies, Equifax, Experian & TransUnion.