First Time Buyers
Getting on the property ladder for the first time can feel overwhelming. Our advisors will guide you through every step — from understanding how much you can borrow, to securing the right deal.
First time buyer guideFCA Authorised & Regulated
Expert Mortgage
& Protection Advice
Specialist advisors dedicated to finding the right mortgage or protection solution for you — from first-time buyers to seasoned landlords.
Wide Range of Lenders (100+)
Independent Advice
FCA Authorised & Regulated
Mortgage Services
Your Mortgage Journey
Expert guidance at every stage, tailored to your circumstances.
Shared Ownership & Buying Schemes
Exploring shared ownership or a government-backed buying scheme? Our advisors specialise in Help to Buy alternatives and shared ownership mortgages - helping you get on the ladder with a smaller deposit.
Shared ownership adviceMoving Home
Whether you're upsizing, downsizing, or relocating, our specialists will help you navigate your next move — reviewing your existing mortgage, exploring porting options, and finding the most suitable deal available.
Explore moving homeProtection Services
Protection That Matters
Safeguard what's most important to you and your family.
Life Insurance
Ensure your loved ones are financially protected if the worst should happen. We'll recommend the right level of life cover for your circumstances, from term assurance to whole-of-life policies.
Explore life insuranceIncome Protection
If you're unable to work due to illness or injury, income protection ensures your financial commitments are covered. We'll find a policy that fits your budget and gives you confidence in your future.
Explore income protectionHome Insurance
Protecting your biggest asset starts with the right cover. We'll help you understand what you need — buildings, contents, or both — and find a policy that gives you genuine peace of mind.
Explore home insuranceWhy Choose Bluegate
Mortgage advice that
works around you
We work with a network of specialist, self-employed brokers who bring deep expertise across every area of the mortgage and protection market. That means genuinely independent, comprehensive advice from someone who truly knows your situation.
- Access to a wide range of lenders — not limited to a lender panel
- We handle all types of mortgages, and if there’s one we don’t offer, we’ll happily refer you to someone we trust and recommend
- Protection advice alongside every mortgage recommendation
- Transparent, jargon-free communication throughout
- Fully FCA authorised and regulated for your peace of mind
5★
Google rating
100+
Lenders accessed
100%
Independent
FCA
Regulated
Ready to get started?
Book a consultation with one of our specialist advisors.
Book a ConsultationBroker fee varying on type of mortgage and complexity of case.
What our clients say
Our latest reviews
EXCELLENT
71 reviews
Lyndsay Cameron
2 days ago
Exceptional service from Oliver Wheatley at Bluegate Mortgages. From start to finish Oliver walked us through the whole process going above and beyond to ensure all our queries were answered and minds put at ease. His knowledge was invaluable (and absolutely appreciated!), highly recommend! 💫
Claire Mill
a month ago
Kim was very helpful with mine morgage She explained everything to the fine detail Definitely would recommend kim she go the extra mile in finding the best morgage Would definitely use kim again
Sarah Godfrey
2 months ago
Just wanted to say thank you to Kim Powell for all her support getting us a mortgage, she really does know her stuff. It’s taken me a while to come to leave a review, only just getting unpacked. Thank you Kim, I’m sure we will be back.
J
2 months ago
Incredible experience with Kim. She worked so hard for us and made it all worth it when we completed today. I would never use another broker. What a woman!!!
Sharron D
3 months ago
Kim provided exceptional support to both me and my son throughout what was a very complex situation, including transfer of equity on a shared ownership property and purchase of a retirement property At 61 and 21, we weren't the most straightforward case, and another mortgage adviser had already told us that what we wanted to achieve simply wasn't possible. We'd almost given up hope that we could both secure our own mortgages and own our own properties. Thankfully, we spoke to Kim. From the very beginning, she was knowledgeable, reassuring, and determined to find a solution. She guided us through every step, kept us informed throughout, and made what felt impossible become a reality. Thanks to Kim's expertise, we both now have our own homes and can move forward with confidence. We can't thank her enough for her professionalism, persistence, and genuine care. I wouldn't hesitate to recommend Kim to anyone, especially if they have a more complex situation.
Mr P
3 months ago
Fantastic from start to finish! I worked with Oliver Wheatley, who was efficient, professional and always happy to answer any queries and questions. A very insightful mortgage advisor that would work hard to making the process smooth and seamless.
Recess Living
3 months ago
Kim at Bluegate Mortgages was amazing and brought so much calm to the house-buying process. She is incredibly knowledgeable, professional, and went above and beyond to ensure I felt supported throughout the entire journey. I can't recommend working with her highly enough.
bukola ayodeji
4 months ago
Excellent service.
Shareen Nesbeth
5 months ago
After a very stressful experience initially with another mortgage broker, I honestly cannot thank Oliver at Bluegate Mortgages enough for everything he has done for us over the past couple of weeks. From the very beginning, Oliver was proactive, approachable, responsive and incredibly efficient. He took over our case and completely turned things around within just 12 days Communication throughout was excellent. We were kept regularly updated, every question or concern was answered quickly, and nothing ever felt too much trouble. The whole process felt so much smoother and far less overwhelming thanks to his support and guidance. We’ve now received our mortgage offer and are so grateful for all of his hard work and professionalism throughout. Would 100% recommend Oliver and Bluegate Mortgages to anyone looking for a knowledgeable and supportive mortgage adviser, and we would absolutely use them again in the future. Thank you again!
Kylie Campbell
5 months ago
Kim at Bluegate Mortgages is hands down the best broker I could have stumbled upon. She is knowledgeable, professional, reassuring, super dedicated, friendly, and made the whole process a breeze. She was working late on numerous occasions to get admin done, responded to emails quickly, and called me at important stages to explain things. Even when lenders challenged her with nonsense policy, she kicked down doors and got the deal done! I believe we would have ended up with a far worse deal (or none at all) without Kim on our side and for that, I’m going to recommend her to literally everyone for their mortgage or remortgage. TL:DR; 20 out of 10, 5 star service, no notes, see you in 5 years when it’s time to remortgage!
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Ready to take the next step?
Whether you're buying your first home, moving up the ladder, or looking for the right protection, our advisors are here to help you make it happen.
No-obligation advice · FCA authorised & regulated