Blue Strawberry Financial Services Limited

Blue Strawberry Financial Services Limited Friendly mortgage experts 🏡😊 Helping first-time buyers & home movers across the UK. Making the journey simple, stress-free & easy to understand.

Approachable advice with a smile every step of the way 😁 At Blue Strawberry Financial Services it is all about building strong relationships with our clients and helping them secure the best mortgages and protection policies to suit their needs. This is the bed-rock of our business. We provide the following services :-
Mortgages - First Time Buyers, Movers and Remortgaging
Buy to Let
Protection -

Buildings and Contents Insurance, Life Insurance, Critical Illness Protection, Income Protection
We are unable to provide you with advice on commercial mortgages. However, we can introduce you to an authorised and regulated Financial Adviser who can provide you with specialist advice. If you are interested in finding out more about how we work contact us at www.bluestrawberryfinancialservices.co.uk

If you’re on interest-only and you’re thinking about switching to repayment, you’re not alone — lots of people reach a p...
15/04/2026

If you’re on interest-only and you’re thinking about switching to repayment, you’re not alone — lots of people reach a point where they want more certainty that the mortgage will be fully paid off by the end.

With interest-only, your monthly payments usually cover the interest, and the original balance stays the same unless you overpay. Repayment works differently: each payment chips away at the balance as well as covering interest, so the mortgage gradually reduces over time.

What tends to make the biggest difference when switching is affordability. Repayment payments are often higher, so it’s about finding a level that fits comfortably alongside real life (bills, childcare, savings, everything). Some people switch the whole mortgage. Others switch part of it, creating a mix of interest-only and repayment to keep payments manageable.

It can also be a good moment to look at the bigger plan: your term length, your income now versus later, and what you want the end of the mortgage to look like.

If you tell us roughly how much you owe, how long is left, and whether you want to switch all of it or just part, we can talk you through the options and what a sensible next step looks like.

13/04/2026

Buying your first home is exciting
 and a bit noisy. Everyone has an opinion, Rightmove is addictive, and suddenly you’re saving houses you’ve never even stood in. 😅

Starting with a broker doesn’t take the fun out of it — it makes the fun safer. Once you know your numbers, you can view properties with confidence, spot what’s genuinely affordable, and move quicker when you find the right one.

It also helps you avoid the common first-time buyer wobble: finding your dream place, then realising later that the paperwork or the lender rules don’t match your situation.

If you’re at the “I’m not sure what I’m doing but I want to start” stage, message us your rough deposit and income and we’ll help you map out the next step.

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOAN SECURED AGAINST IT.

Did you know that overpaying your mortgage (even by a small amount) can make a bigger difference than most people expect...
10/04/2026

Did you know that overpaying your mortgage (even by a small amount) can make a bigger difference than most people expect?

Because overpayments reduce the balance quicker, you can cut down the interest you pay over time and potentially finish the mortgage sooner. It can also put you in a stronger position for future deals — if your balance drops
enough compared to your home’s value, you may move into a better “loan-to-value” band, which can sometimes mean lower rates or a more comfortable monthly payment when you review.

Overpaying is not right for everyone though. Some people prefer to keep savings back for life stuff, or they have a deal where overpaying too much could trigger charges.

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOAN SECURED AGAINST IT.

08/04/2026

If you’ve ever wondered where we are (or whether you can just pop in), Stuart’s outside the office to show you exactly how to find us. 👋

We’re always happy to say hello, whether you’re:
* starting out as a first-time buyer
* thinking about moving home
* due a remortgage
* or just want a calm, plain-English chat about what’s possible

If you’d like a proper sit-down with one of the team, drop us a message and we’ll get a time in the diary that suits you.

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOAN SECURED AGAINST IT.

06/04/2026

Remortgaging has a sneaky way of becoming a “future me” job
 right up until it suddenly isn’t.

The risk with leaving it late is not just stress. It can limit your choices. Some deals need a bit of runway for checks, paperwork, and the legal side to line up. If you start too close to your end date, you might end up picking from whatever’s quickest rather than what’s best.

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOAN SECURED AGAINST IT.

Starting earlier also gives you breathing space to handle the common curveballs — a slow valuation, extra lender questions, or documents you didn’t realise you’d need — without it pushing you onto a higher rate in the meantime.

If you send us your mortgage deal end date, we’ll tell you when to begin and help you get a simple plan in place.

Happy Easter from us all at Blue Strawberry Financial Services đŸ„šđŸ„š
05/04/2026

Happy Easter from us all at Blue Strawberry Financial Services đŸ„šđŸ„š

03/04/2026

Income protection is one of those things people usually mean to look at “later”
 until life makes the decision for them.

A lot of the hesitation comes down to three thoughts: it’ll be expensive, I won’t need it, or it won’t happen to me. Totally normal. But the real question is simpler: if you couldn’t work for a while because of illness or injury, how long could your savings (or your household budget) cope before it got uncomfortable?

For some people, the aim isn’t a perfect policy. It’s having something in place that keeps the basics covered — mortgage or rent, bills, food — so you can focus on getting better, not juggling money stress.

If you tell us what you do for work and what you’d want covered each month, we can talk you through what options might fit and what to ignore.

Earlier this year we came away from the ESTAs with three awards, including being voted 3rd best mortgage broker in the U...
01/04/2026

Earlier this year we came away from the ESTAs with three awards, including being voted 3rd best mortgage broker in the UK, plus best in Cheshire and best in the North West.

What makes it extra special is that these awards are built on real customer reviews and feedback. So if you have ever left us a review, recommended us to a friend, or trusted us with your mortgage
 this is as much yours as it is ours.

We’ll keep doing what we do best: clear advice, calm guidance, and looking after people properly from start to finish.

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOAN SECURED AGAINST IT.

30/03/2026

When you’re getting mortgage-ready, it’s easy to think credit scores are only about missed payments. But lenders often look at the whole pattern of how you use credit.

That’s why things like buy-now-pay-later, store finance, or taking out a few bits of credit close together can sometimes cause issues. Even if you pay everything on time, it can change how your credit file looks at the exact moment a lender is deciding what they’re comfortable with.

If you’re hoping to apply soon, it can help to keep things steady for a while — fewer new credit agreements, fewer “spread the cost” plans, and no sudden changes unless you really need to.

Not sure whether something like Klarna will matter for you, message us. We’ll talk it through and help you stay mortgage-ready.

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOAN SECURED AGAINST IT.

27/03/2026

Going direct to your bank can feel like the simplest route
 until you realise you’re only seeing their deals, their rules, and their interpretation of your situation.

A broker’s job is to look at the bigger picture: match you to a lender that fits your circumstances, flag issues early (before they become delays), and keep the whole process moving when you’d rather be thinking about the fun part - your home.

It’s also not just about rates. It’s about structure and strategy: how your deposit, credit history, income type (employed, self-employed, contracting), and future plans all affect what’s sensible.

The takeaway: you can absolutely do it yourself — but if you want fewer surprises and clearer choices, having someone in your corner can make a big difference.

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOAN SECURED AGAINST IT.

25/03/2026

The “standard 10% deposit” gets talked about like it’s a rule. It isn’t.

In reality, the right deposit depends on what you want your monthly payments to look like, how comfortable you feel keeping savings back for moving costs and life stuff, and what deals you can access with different deposit levels.

A smaller deposit can help you get moving sooner, especially if you’ve found the right home. A bigger deposit can do the opposite job: it can reduce the amount you borrow and sometimes open better rates, which can make the monthly payment feel lighter.

The practical takeaway is to think of your deposit as a dial you can adjust, not a pass/fail test.

If you tell us your rough deposit amount and the kind of monthly payment you’d feel comfortable with, we can help you map out a sensible range to shop within.

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOAN SECURED AGAINST IT.

Did you know you can sometimes buy your next home even if your current one hasn’t sold yet?For a lot of movers, it’s the...
23/03/2026

Did you know you can sometimes buy your next home even if your current one hasn’t sold yet?

For a lot of movers, it’s the timing that causes the headache. You find a house you love, but your sale is still working its way through, and you’re stuck wondering whether you’ll miss out.

In the right circumstances, there may be ways to move forward without waiting for everything to line up on the same day. It depends on your numbers and your plan — things like the equity in your current home, whether you can cope with a short overlap, and how your onward purchase is being funded.

The practical bit is this: it’s not always a straight “no”. It’s often a case of looking at the route that fits your situation and making sure it’s affordable and sensible.

If you tell us where you’re up to with your sale (not on the market yet / viewings / offer accepted), we’ll talk you through what could be possible and what to watch for.

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOAN SECURED AGAINST IT.

Address

12 Church Road
Bebington
CH637PH

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 4pm

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