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Bluegate Mortgages

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Bluegate Mortgages

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Award winning firm with over 19 years’ experience within financial services

Your home may be repossessed if you do not keep up repayments on your mortgage. Bluegate Finance Ltd (1050818) trading as Bluegate Mortgages is Directly Authorised and Regulated by the Financial Conduct Authority. Bluegate Finance Ltd is registered in England and Wales with company number 14319470 registration number. Registered Office: Carrwood Park, Selby Road, Austhorpe, Leeds LS15 4LG

The FCA does not regulate some forms of Buy to Lets. Think carefully before securing other debts against your home/property. The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

02/11/2026

Shared Ownership is getting a shake up! 🏡

For the first time since 2016, the government is increasing the household income limits for Shared Ownership.

Here's what's changing:

✅ Outside London: £80,000 to £90,000

✅ London: £90,000 to £110,000

The new limits are expected to take effect in early 2027.

This could open the door for more people who previously earned too much to qualify but still struggled to buy a home outright.

Of course, higher income limits don't mean automatic approval. Mortgage affordability, rent, service charges and other eligibility criteria still apply.

Could this make Shared Ownership an option for you?

Swipe through to find out more and save for later.

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

29/10/2026

The Autumn Budget 2026 has landed. So, what's changing for homeowners and first-time buyers? 🏡

From a new 2.5% deposit scheme and ISA changes to higher landlord taxes and support with energy bills, there's plenty to digest.

But with inflation expected to rise and mortgage rates remaining uncertain, the bigger picture isn't quite so straightforward.

We've rounded up the key announcements and what they could mean for the housing market.

Swipe through for the breakdown.

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

28/10/2026

First-time buyer? You’ve probably heard at least one of these🏡

❌ “I need a 20% deposit”
❌ “My credit score needs to be perfect”
❌ “I need to earn £50,000”
❌ “I’ll just wait until mortgage rates fall”
❌ “Buying a home takes years”

The reality? There’s no one-size-fits-all answer.

Your income, deposit, commitments, credit history and circumstances all play a part.

You might be closer to buying your first home than you think 🔑

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

26/10/2026

The biggest protection mistakes families make...

⏰ Putting it off until “later”
🏡 Only thinking about protecting the mortgage
💼 Relying entirely on work benefits
💷 Choosing cover based on price alone
🔄 Never reviewing existing policies
🤞 Assuming “it won’t happen to me”

Life changes. Your protection needs can change with it.

The important thing is having cover that reflects your circumstances and the people who rely on you ❤️

23/10/2026

POV: You see the new neighbours pull out a crushed velvet sofa and a ‘Live, Laugh, Love’ sign from the removal van… 👀😂

You know there’s a giant wall clock coming out next.

21/10/2026

How much can you actually borrow in 2026? 💷🏡

Lenders can look at:

💼 Your income and how it’s earned
💰 Overtime, bonuses and commission
💳 Loans, car finance and credit cards
👨‍👩‍👧 Children and other dependants
🏦 Their own affordability calculations

Two lenders can look at the same person and come back with very different figures.

That’s why knowing which lenders suit your circumstances can make a real difference.

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

19/10/2026

The most expensive word in mortgages? “Later.” 👀

“I’ll start saving later.”
“I’ll check my credit later.”
“I’ll start looking later.”

You don’t need to buy a house today. You don’t even need to apply for a mortgage today.

But if buying a home is the goal, starting to prepare earlier can put you in a stronger position when the time comes 🏡

Don’t let “later” become “I wish I’d started sooner.”

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

16/10/2026

What does waiting another year to buy actually cost? 👀🏡

It’s not just another year of saving.

💷 Another 12 months of rent
🏦 Another year building your deposit
🏠 House prices could change
📈 Mortgage rates could move too

Nobody knows exactly what the market will do next, and waiting could work for or against you.

The important thing is making the move when it’s right for you, rather than trying to perfectly time the market 🔑

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

14/10/2026

Another lovely client review ⭐️⭐️⭐️⭐️⭐️

Making sure our clients understand every step of the mortgage process is so important to us, so it’s great to hear Kim went the extra mile 🏡

Thank you for the kind words and recommendation ❤️

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

12/10/2026

Before you book another property viewing… 🏡👀

A few things worth thinking about:

🎨 Look past the paint and décor
📍 Check the area at different times
⚡ Don’t ignore the EPC rating
🔎 Look beyond the staging
❓ Ask why the seller is moving
💷 Don’t stretch your budget just because a lender says you can borrow it

The perfect-looking house isn’t always the right house. Take your time and think beyond what you see on the viewing.

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

Address

Leeds

Opening Hours

Monday	10am - 11pm
Tuesday	10am - 11pm
Wednesday	10am - 11pm
Thursday	10am - 11pm
Friday	10am - 11pm
Saturday	10am - 11pm
Sunday	10am - 11pm

Telephone

+447412333186

Website

http://Bluegatemortgages.co.uk/

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