Blue Moon Mortgages Ltd

13/10/2026

Two years ago, Kayla joined Blue Moon as an apprentice.
This week, several of the clients she has looked after are getting ready to collect their keys.

There probably isn’t a better way to sum up what those two years have looked like.

Kayla has gone from learning mortgages from the ground up to becoming one of the people our clients ask for by name.

She is our go-to person for first-time buyers, the calm voice when someone is worrying, the person who will explain something again without ever making you feel like you should already know the answer — and somehow still keep everyone smiling along the way.

In two years she has completed her apprenticeship with Distinction, made brilliant progress through CeMAP, trained newer members of the team and improved the way we work.

But the bit we are probably most proud of is simpler than that.

Clients trust her.

They describe her as patient, kind, professional, supportive and, in one of our favourite reviews, “an absolute diamond.”

So while we celebrate another few clients getting ready for their new homes, we are also celebrating two years of Kayla at Blue Moon. 💙

Happy anniversary, Kayla. You’ve become a huge part of this team - and a huge part of so many clients’ home-buying stories.

02/10/2026

£30,000 saved. Decent joint income. Finally found a house you both agree on.
Then the mortgage calculator ruins your evening. 😂

Apparently, you can’t borrow enough.

So naturally, you start thinking you have two options: keep saving or go back to Rightmove and lower the budget.

We have this conversation all the time.

Someone rings and says:

“I think we probably need to wait another year.”

And sometimes we say:

“Yes. A bit more deposit would really help.”

Sometimes it’s:

“That house probably is a stretch at the moment.”

But sometimes it’s:

“Hang on. Don’t delete the Rightmove alert just yet.” 😂

Because an online calculator hasn’t checked what the whole mortgage market thinks about you.

It has checked whether one particular lender, using its own rules, thinks the numbers work.

And lenders don’t all look at the same income and outgoings in exactly the same way.

That doesn’t mean there’s always another lender who will give you more.

It does mean it’s worth finding out before you change the house, spend another year saving, or decide you’re simply “not ready yet”.

You also don’t need to spend your evening trying 27 different mortgage calculators to find out. That’s our job.

So if there’s a number going round in your head and you’re wondering:

“Is that genuinely all we can borrow?”

Ask us.

Sometimes the answer might be yes.

And sometimes there’s something worth looking at. 💙

📞 01933 303020
📧 [email protected]

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

22/09/2026

Sometimes good mortgage advice means doing absolutely nothing. For now.

One of our clients could have started her new mortgage deal a month early.

It would have been easy to think: the new deal is ready, let's just get it sorted.

But her existing mortgage rate was just 0.99%.

Starting the new deal early would have meant giving up that rate sooner than necessary — and would have cost her around £426 extra.

So we waited.

It’s a small decision, but this is exactly why mortgage advice isn’t simply about finding a new rate and moving you onto it as quickly as possible.

Sometimes acting early makes sense.

Sometimes waiting makes sense.

And sometimes the mortgage you already have is still doing a very good job for you.

Our job is to look at what you have now, what comes next, the costs involved and what you’re actually trying to achieve — then help you make a decision you understand and feel comfortable with.

Because the right answer isn’t always “change it.”

Sometimes it’s simply:

“Not yet.” 💙

If your mortgage deal is coming to an end in the next few months, you don’t need to work out the timing yourself. Start with us and we’ll look at the whole picture.

📞 01933 303020
📧 [email protected]

14/09/2026

Mortgage rates have been moving up again. But for some of our clients, nothing has changed. 💙

Why?

Because their new rate was secured earlier, when a better option was available.

When we start reviewing a mortgage, we don't just look at what's available on one particular day and leave it there.

If you're able to secure a new deal in advance, we can keep reviewing things while you wait for it to start. If something better becomes available, we can look at changing it. And if rates move the other way, you already have something secured.

We've seen exactly why that can matter recently.

Some of the rates available today are higher than the ones we've already secured for clients whose current mortgage deals haven't even finished yet.

Today's increase doesn't change the rate they've already secured.

Nobody can know with certainty where mortgage rates will go next.

But you don't necessarily have to wait until the last minute to find out what your options are.

Sometimes, being early gives you choices. 💙

📞 01933 303020
📧 [email protected]

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

07/09/2026

05/09/2026

🔐 WE ESCAPED!! 🔐

…from the escape room anyway 😂

There’s still no escaping the solicitor chases, lender updates, paperwork and everything else that comes with getting you from “I want to buy a house” to “I’ve got the keys!” 🏡🔑

We spend our 9–5 solving problems, chasing updates and helping keep your mortgage journey moving… so naturally, we thought the perfect girls’ night out would be PAYING to get locked in a room and solve even more problems 😂

At least all that problem-solving at work must have paid off because we made it out! 🕵️‍♀️🔐

Now it’s back to helping you escape the renting life and get one step closer to your own front door 👀🏡

Whether you’re a first-time buyer and have no idea where to start, you’re thinking about moving home, or your current mortgage deal is coming to an end, get in touch with the Blue Moon team 💙🌙

We promise your mortgage won’t involve quite as many padlocks… hopefully 😂

27/08/2026

Your mortgage offer is in. Great news. But what happens next?

There are still solicitors, estate agents, paperwork and dates to keep an eye on before moving day. 🔑

And you don't have to spend the next few weeks wondering who you need to speak to or what needs to happen next.

We stay involved, help keep things moving and are here when you need us — until you get the keys.

Because getting the mortgage offer is a big step.

Getting you home is the goal. 💙

📞 01933 303020
📧 [email protected]

24/08/2026

🚪 THE OFFICE IS CLOSED TOMORROW… BUT BLUE MOON ISN’T! 🌙

Before anyone spots the locked door on the High Street and starts a rumour that we’ve all run away to the Bahamas… 😂

We’re just closed for ONE DAY for staff training.

Mortgages, lenders and regulations have an annoying habit of changing, so occasionally we have to stop talking long enough to learn things. 🤓

While the High Street office itself will be closed, Blue Moon will still be quietly functioning behind the scenes:

📞 Phones will still be manned
📧 Emails will be monitored periodically
🏠 Mortgage applications will not be abandoned to fend for themselves
🆘 And if something genuinely needs our attention, we’re still here

We take our advice — and the standards we give our clients — seriously, so investing a day in keeping the whole team trained, knowledgeable and up to date is important.

Normal service (including actual Blue Moon humans visible through the windows 👋) resumes the following day.

So please don’t panic — we haven’t disappeared. We’re just getting even cleverer. 😉🌙

23/08/2026

The lowest mortgage rate isn't always the best mortgage for you.

It sounds slightly odd coming from a mortgage broker. Of course we look for a competitive rate — nobody wants to pay more than they need to.

But the rate is only one part of the decision.

A mortgage that looks cheapest today may have a large fee attached. It may tie you in for longer than suits your plans. It may limit what you can overpay, or become expensive to leave if life changes sooner than expected.

And life does change.

You might decide to move. Your family might grow. You may want to reduce the mortgage more quickly, borrow more for an extension, or simply want more flexibility than you expected when you first took the deal.

That's why one of the most important parts of mortgage advice happens before we start looking at rates.

We ask what you're trying to do now — and what you think you might want to do next.

Because finding a good mortgage isn't just about finding the lowest number on the screen.

It's about finding one that fits your life and your plans. 💙

What would you normally look at first when choosing a mortgage — the rate, the monthly payment, or something else?

📞 01933 303020
📧 [email protected]