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Advice

Fee free no obligation consultations

Ease

Meetings can take place at your home, at our offices, or over the phone

Relationships

We build relationships with our clients to help them on every step of their financial life

We do the searching for you, saving you time and money on your mortgage.

We work with over 50 of the UK’s top mortgage lenders including Nationwide, Natwest, Santander, HSBC and Barclays to find you the right deal. We offer advice, either at your home, at our offices, or over the phone, and we will endeavour to give you a friendly, knowledgeable and efficient experience so you can get onto the property ladder, move into your own home,  save money by remortgaging to a lower interest rate or purchase a Buy-To-Let*.

*Some buy to let mortgages are not regulated by the Financial Conduct Authority.

First Time Buyers

Home Movers

Remortgages

Buy To Let

Your home may be repossessed if you do not keep up the repayments on your mortgage.

Investments and Pensions

1.

Initial Discussion

Our experienced advisers will undertake a detailed personal review of your current situation, your future objectives, needs and aspirations. They will also collate all relevant financial information and establish your attitude to risk

2.

Research and Analysis

Our experienced advisers will undertake a detailed personal review of your current situation, your future objectives, needs and aspirations. They will also collate all relevant financial information and establish your attitude to risk

3.

Designing Your Strategy

We will present you with a recommendation that covers the different routes you can take to achieve the discussed objectives, and agree a plan to build your investment and pension portfolios and protection needs

4.

Regular Reviews

We offer regular reviews to ensure that your plans continue to be appropriate for your ongoing objectives and reflect your current needs. Get in touch today to be matched with an expert adviser.

What Makes Bright Blue Wealth Different?

Bright Blue Wealth Limited are an appointed representative of Openwork who are one of the largest mortgage introducers in the UK, having advised on in excess of 300,000 mortgages over the last 5 years. These deals have been placed with Openwork’s carefully selected lender partners, with whom we work very closely.

Openwork’s size and expertise allows them to secure exclusive mortgage deals, many of which you won’t find on the High Street or from any other mortgage network. Despite recent market volatility, the number of mortgages we have access to remains in the thousands.

Bright Blue Wealth are committed to providing you with expert advice and flexible solutions for your individual needs. We believe that our clients get great value from us through the setting out of a tailored strategy to achieve goals.

Fixed Rate

With a fixed rate mortgage the rate stays the same, so your payments are set at a certain level for an agreed period. At the end of that period, the lender will usually switch you onto its SVR (see Variable rate).

You may have to pay a penalty to leave your lender, especially during the fixed rate period. You may also have to pay an early repayment charge if you pay back extra amounts during the fixed rate period.

A fixed rate mortgage makes budgeting much easier because your payments will stay the same – even if interest rates go up. However, it also means you won’t benefit if rates go down.

Tracker Rate

Your monthly payment fluctuates in line with a rate that’s equal to, higher, or lower than a chosen Base Rate (usually the Bank of England Base Rate).

The rate charged on the mortgage ‘tracks’ that rate, usually for a set period of two to three years. You may have to pay a penalty to leave your lender, especially during the tracker deal period. You may also have to pay an early repayment charge if you pay back extra amounts during the tracker period.

A tracker may suit you if you can afford to pay more when interest rates go up, in exchange for benefiting when they go down. It’s not a good choice if your budget won’t stretch to higher monthly payments.

Discounted Rate

Like a variable rate mortgage, your monthly payments can go up or down. However, you’ll get a discount on the lender’s SVR for a set period of time, after which you’ll usually switch to the full SVR.

You may have to pay a penalty for overpayments and early repayment and the lender may choose not to reduce (or delay reducing) their variable rate – even if the Base Rate goes down.

Discounted rate mortgages can give you a gentler start to your mortgage, at a time when money may be tight. However, you must be confident you can afford the payments when the discount ends.

Variable Rate

Your monthly payment fluctuates in line with a Standard Variable Rate (SVR) of interest, set by the lender.

You probably won’t get penalised if you decide to change lenders and you may be able to repay additional amounts without penalty too. Many lenders won’t offer their standard variable rate to new borrowers.

Flexible Mortgages

These schemes allow you to overpay, underpay or even take a payment ‘holiday’. Any unpaid interest will be added to the outstanding mortgage; any overpayment will reduce it. Some have the facility to draw down additional funds to a pre-agreed limit.

Capped and Collared Rate

Some lenders offer variable, tracker or discounted products that have a pre-defined upper ‘cap’ or lower ‘collar’ that the rate will not breach when rates go up and down.

Offset Mortgages

Taking out an offset mortgage enables you to use your savings to reduce your mortgage balance and the interest you pay on it. For example, if you borrowed £200,000, but had £50,000 in savings, you would only be paying interest on £150,000.

Offset mortgages are generally more expensive than standard deals, but can reduce your monthly payments, whilst still giving you access to savings.

Your home may be repossessed if you do not keep up the repayments on your mortgage.

Whether you’re an experienced landlord or just starting out, you’ll have specialist requirements that set you apart from a standard residential purchaser.

Through your adviser, you’ll have access to major lenders in the Buy to Let market including those specialising in lending to professional landlords. We’ve also developed relationships with several general insurers who’ve designed specialist Landlords’ buildings and contents policies.

Your adviser can introduce you to specialists in the following markets through Enterprise Finance:

Second Charge Loans

Second charge loans can be secured against residential or Buy to Let properties. They are provided by specialist lenders and are generally short-term loans secured against the property, but where the lender has second call on the property if the borrower defaults.

Second charges tend to be more expensive than ‘firsts’, but can still be the best option for people seeking to raise capital – but whose main lender is unwilling to provide further finance, or where expensive early redemption charges would be incurred.

Bridging Finance

A bridging loan is taken out to ‘bridge’ the gap between the purchase of a new property and the sale of an existing one. Loans are generally short term and secured on the existing property, but repaid as soon as this is sold.

‘Bridges’ may help you secure your new property, but you should be aware that they can be expensive and if the sale of your existing property falls through, you will be left paying two loans at once.

Your home may be repossessed if you do not keep up the repayments on your mortgage.

Some buy to let mortgages are not regulated by the Financial Conduct Authority.

Bright Blue Wealth Limited is a credit broker not a lender.

Some Bridging Finance is not regulated by the Financial Conduct Authority.

We work with over 50 of the UK’s biggest Mortgage Lenders. Please see the full list in alphabetical order below.

Lenders that we deal with directly:

Accord Mortgages

Aldermore

Bank Of Ireland

Barclays

BM Solutions

Clydesdale Bank

Coventry Building Society

Danske Bank

Fleet Mortgages

Halifax

Hodge Lifetime

HSBC

Kensington Mortgages

Kent Reliance

Leeds Building Society

M&S Bank

Metro Bank

Nationwide Building Society

NatWest

Newcastle Building Society

Nottingham Building Society

Paragon Mortgages

Principality Building Society

Progressive Building Society

Sainsbury’s Bank

Santander

Scottish Widows Bank

Skipton Building Society

Tesco Bank

The Mortgage Works

TSB

Virgin Money

Lenders that we deal with through a Specialist packager:

Axis Bank

Bank of China

Bluestone Mortgages

Buckinghamshire Building Society

Chorley Building Society

Dudley Building Society

Foundation Home Loans

Hanley Economic Building Society

Hinckley & Rugby Building Society

Interbay

Landbay

Magellan Home Loans

Mansfield Building Society

Melton Mowbray Building Society

Monmouthshire Building Society

National Counties Building Society

Norwich and Peterborough Building Society

Pepper Homeloans

Saffron Building Society

Shawbrook Bank

The Family Building Society

The Mortgage Lender

Together Mortgages

Vida Homeloans

Zephyr Homeloans

We offer solutions across the full range of financial products and services, including:

Investments:

ISA’s

Unit Trusts and OEICs

Investment Bonds

Offshore Investments

VCTs

EISs

Discretionary Share Portfolios

 

Pensions

Stakeholder Pensions

Personal Pensions

Company Group Schemes

Self-Invested Pensions (SIPPS)

 

Pensions at Retirement

Open market Annuity

Enhanced  Annuity

Drawdown

Income Choice Annuity

 

Our office can be found at:
11 Windsor Street, Chertsey, Surrey KT16 8AY

Please note:
If using Sat Nav please use postcode KT16 9AP.
This will then take you to our car park at the rear of the building

Our office can be found at:
11 Windsor Street, Chertsey, Surrey KT16 8AY

But our advisers cover the wider Surrey, Berkshire, Hampshire, Buckinghamshire, Greater London, Wiltshire, Oxfordshire, Hertfordshire, West Sussex, Essex, Kent, East Sussex areas, Dorset, Bedfordshire, Cambridgeshire and Suffolk

If your postcode is not covered above, please still get in contact as we will still be able to help.

Mortgage Advice: No Fees. We get paid commission from the lenders and we choose not to charge you a fee on top.

Investment & Pension Advice: Get in contact for the full list and information on the various products and transfers