Welcome To

My Blue Light Mortgage

Your first responder to finding you your best mortgage.
FREE mortgage advice for all
Emergency Services & Key Workers

Who we are

We are a trading style of Mortgage Saving Experts, which is authorised and regulated by the Financial Conduct Authority. We help everyone from First Time Buyers, Home Movers, re-mortgages, Buy to Lets and portfolio landlords or those needing specialist adverse advice.

We began our journey 2020 were we started offering a FEE FREE service to Police and have now moved our business to focus on ALL emergency services and military, helping them into their dream homes. We are still of course able to assist anyone in need of mortgage advice in the UK

Services

Mortgages

We deal in first charges on Mortgages, Buy-to-let's, Remortgages and Shared Equity Loans.

Equity Release

If you are looking to release the equity in your property, let us help you realise your dreams. To understand the features and risks of a lifetime mortgage, ask for a personalised illustration.

Protection

The other vital service we provide is to ensure not only do you purchase your dream property but also that you can remain in it should anything happen to you.

Testimonials

     

 Philip was a real blessing to me throughout my mortgage journey. He explained everything in a way that was helpful and straightforward. We came across some issues on the way, but Philip was relentless at pursuing a solution. I'm now happily in my property with a decent deal on my mortgage and really couldn't have done it without him. 

Callum D: Bournemouth
     

 Phil was a great help to me at a time when I needed accurate information and support. My mortgage was completed easily and he is now helping me with all of my personal insurances too. I would highly recommend! 

Christina C: NHS
     

 As a family we could not have been happier or more satisfied with the care and quality of service from Philip. He very thorough and sensitive to our needs, and delivered everything he said you would, even faster than we anticipated. We would highly recommend Philip's exceptional service, experience and expert field knowledge to our family and friends. In short Philip was excellent, holds outstanding service skills and highly professional. 

Alvin M.: Basingstoke
     

 “We would like to acknowledge the brilliant service that we recently received when working with Philip. As first time home buyers everything was new to us and the most important thing we wanted was someone we could trust. Philip was able to explain all information clearly we needed to make the right decision and offered sound advice throughout. Philip was there for us every step of the way and was always available to contact. Despite the difficult market at the moment and us being on a strict time schedule, Philip went out of his way to make sure that we got the best available loan, at the lowest possible rate. Philips commitment in finding us the best rate helped us in our search for our dream home. Although we encountered a few hurdles throughout the buying process, Philip went above and beyond to ensure that everything was handled thoroughly and efficiently. I'm glad we chose his services - we will be recommending him to others in the future. Thank you so much Philip. From Jonathan and Charlotte” 

Charlotte & Jonathan: First time buyer
  

Contact us

  • Pentland Avenue, Southend-on-Sea, UK

Philip Field t/a My Blue Light Mortgage FCA No 940208 is an appointed representative of Mortgage Saving Experts Limited who are authorised and regulated by the Financial Conduct Authority No 779662. YOUR HOME MAY BE REPOSESSED IF YOU DO NOT KEEP UP REMAPYMENTS ON YOUR MORTGAGE

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Mortgages

Mortgages
We provide a full advisory service. This means we will discuss your needs and make a recommendation based on these and the lenders criteria to take the hard work away from you for getting the best and most cost-effective mortgage for you.

First Time Buyers
Buying your first home need not be a daunting experience, we will guide you through the whole process and answer all your questions, allowing you to enjoy the process. There are many written guides on how to buy your first home, but My Blue Light Mortgage prefer the hands on approach and speak with our clients to guide them through the process. We believe that by talking with you we can give you the up-to-date information that a written guide may not. We will guide you from your first thoughts of buying your first home until the day you receive the keys and beyond.

Remortgages
We speak to all our existing clients 4-5 months prior to their existing mortgage coming to an end to ensure that new mortgage offer is out ready and waiting on the day it is required so that you never have to pay a single day of the much greater Standard Variable Rate that your current lender may charge you. We take into account your current circumstances not those when you first purchased the property as everyone's circumstances and needs will change throughout the years. If your current rate is due to end within the next 5 months do not hesitate to get in touch.

Home Movers
If you are in the process of moving home we can help and advise you. Be this a brand new mortgage, picking up and taking your existing mortgage with you to ensure there are no charges please come and get our professional assistance.

Buy To Lets
We can assist you purchase your 1st or your 21st buy to let. We advise on personal, and business named properties and can ensure that your profit is maximised.

Protection

Protection is another vital service we provide, it is to ensure not only do you purchase your dream property but also that you can remain in it should anything happen to you. There are 3 main areas of protection.

Life Insurance
This provides a pay out if the the insured party were to pass away. This is generally a lump sum payment which we set up to match the mortgage balance and term. We can also arrange this for family protection purposes. Nearly all life policies will include Terminal Illness Benefit which will pay out if diagnosed with less then a certain period (such as 12 months) to live, to allow suitable adaptions to be made.

Critical Illness
This is set up usually alongside life cover and will provide a pay out if the insured is diagnosed with certain conditions. This generally covers conditions such as Cancer, Heart Attack, Stroke and Multiple Sclerosis. Most polices now cover in excess of 50 conditions but these are by far the most prevalent.

Income Protection
This will replace up to around 65-70% of your income if you are unable to work due to illness or incapacity. It doesn’t go higher as along with any state benefits you may be entitled to it would leave very little incentive to return to work.
There are many insures in the UK market each with different terms, conditions and additional benefits. Please contact us where we can help and advise you to provide the peace of mind you and your family require.

Legal


My Blue Light Mortgage is an Appointed representative of Mortgage Saving Experts which is authorised and regulated by the Financial Conduct Authority. Our FCA number is 940208

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Complaints Procedure

Mortgage Saving Experts – Complaint Procedure Mortgage Saving Experts is Authorised and Regulated by the Financial Conduct Authority; therefore we are bound to adhere to the Dispute Resolution rules which include specific guidelines we must follow in the event of receiving a complaint. 

We categorise a complaint as “Any expression of dissatisfaction whether justified or not, on or on behalf of an eligible complainant about the provision of, or a failure to provide a service. A complaint includes any oral or written expression of dissatisfaction made by a client”. 

We will investigate complaints using the information provided to us by yourself, the documentation available within our files and any additional paperwork available to us to assist in the investigation. When this has been investigated we will issue you with a Final Response Letter. This will document to you the course of the investigation and whether we have decided to Uphold or Not-Uphold. If you do not agree with the outcome of our investigation, you have the right to refer your complaint to the Financial Ombudsman Service (FOS).

Final Response Letter – This letter will state a summary of the complaint, the result of the complaint investigation, the reasons for upholding/not upholding the complaint and will offer any financial redress if applicable. 

Complaints that are resolved within 3 business days – We will issue a summary resolution letter to the client. We will also give the client details of how to refer the complaint to the Ombudsman if not entirely satisfied.