BLS Mortgage Services
Stoke-on-Trent
Mortgage advice covering help to buy, buy-to-let, first-time buyers. BLS Mortgage Services charges a broker fee.
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About BLS Mortgage Services
BLS Mortgage Services is a UK mortgage broker based in Stoke-on-Trent. Its website describes mortgage advice for buy-to-let, first-time buyers. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
BLS Mortgage Services works across help to buy, buy-to-let and first-time buyers from Stoke-on-Trent — a focused listing led by help to buy work.
Help to Buy
Help to Buy cases now mostly mean people who already hold an equity loan and need to remortgage, staircase out of it, or sell. The equity loan has to be repaid at the property's current value, not what you borrowed.
Read the help to buy guideBuy-to-Let
Buy-to-let borrowing is capped by a rental stress test rather than by your salary, and the sums differ sharply between personal ownership and a limited company. Portfolio landlords with four or more mortgaged properties face extra underwriting. The firm covers first purchases too, so first-time landlords should not be turned away for having no rental history.
Read the buy-to-let guideFirst-Time Buyers
First-time-buyer work means walking someone through it from scratch: what deposit is realistic, what an agreement in principle is worth to an estate agent, which schemes still exist and what lenders will ask to see. Help to Buy is listed too, which matters if you are buying from someone still holding an equity loan.
Read the first-time buyers guideFees: what this means for you
Charges a broker fee
You pay this firm for its advice on top of the lender's product fee, valuation and legal costs. Ask for the amount, the point at which it becomes payable and whether it is refundable if the case falls through — firms must disclose this before you commit. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
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We hold no Firm Reference Number for this listing and have not verified the firm. Check the name on the FCA register before taking advice.
Questions to ask BLS Mortgage Services
Tailored to this listing.
- 1How many lenders can you recommend from — the whole market, a limited panel, or a single lender?
- 2What is your fee, when is it payable, and do I get it back if the application does not complete?
- 3What are my options for the equity loan — repay it, remortgage around it, or leave it in place — and what does each cost?
- 4How does the rental stress test change what I can borrow, and would buying through a limited company work out better for me after tax?
- 5What deposit do I realistically need for the properties I am looking at, and which schemes am I actually eligible for?
- 6Do you see clients at your Stoke-on-Trent office, or is this handled by phone and video?
Getting in touch with BLS Mortgage Services
BLS Mortgage Services lists a phone number, an email address and its own website, so use whichever suits.
- First conversations are free and non-committal.What a broker does
- Bring payslips, statements, existing mortgage details.Document checklist
- Compare two or three brokers.How to choose
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Frequently asked questions
Does BLS Mortgage Services charge a fee for mortgage advice?
Yes. BLS Mortgage Services is listed as fee-charging, so you pay the firm for its advice in addition to lender and legal costs. Ask for the exact amount, when it becomes payable and whether you get it back if the application does not complete. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
What types of mortgage does BLS Mortgage Services handle?
BLS Mortgage Services records help to buy, buy-to-let and first-time buyers, working from Stoke-on-Trent. Ask anyway if your case sits outside that list.
Can BLS Mortgage Services help with a Help to Buy equity loan?
BLS Mortgage Services lists Help to Buy as an area it covers. Most cases now involve getting out of an existing equity loan: it is repaid as a percentage of the property's current value, so if the property has risen you owe more than you borrowed. You will need a RICS valuation before the numbers can be firmed up.
Does BLS Mortgage Services only cover Stoke-on-Trent?
BLS Mortgage Services is listed in Stoke-on-Trent, but UK brokers are not restricted to their own area and most advise nationally by phone or video. You can also compare other mortgage brokers in Stoke-on-Trent on MortgageMatch.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.