Simple, friendly and expert guidance — in person, online or over the phone.
Blue Sky Mortgages are an independent, whole-of-market mortgage team of advisers helping people across the UK secure the right mortgage or protection with confidence.
Whether you’re buying your first home, moving, remortgaging or investing, we offer clear, uncomplicated advice that fits and is tailored to your circumstances.
Our team is available 7 days a week, making it easy to speak to an adviser whenever you need our help and support.
Gives your family financial security in the event of your death.
Provides financial support if you develop a specified critical illness.
Supports you financially if you are unable to work long-term.
Comprehensive cover for your home and the items you value.
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.
