Buying your first home is a huge milestone that you should look forward to. We understand it can also be a daunting experience, and we want to take the stress out of applying for your first mortgage by providing helpful and easy to understand advice. So far over 200 first time buyers have used the Bluechip service.

Whether you already know how much you can afford to borrow and are actively house hunting, or want to find out how mortgages work, the impact of different loan-to-value ratios on borrowing rates or lending criteria, then we are happy to help and talk to you through each step of the way. Our honest and friendly approach means you'll only get advice that is tailored to you and your circumstances and we believe there is no such thing as a silly question. 

If you want to find out how this works and how we can help you then have an initial call with the team now. In the meantime, it's worth thinking about:

  • The amount of deposit you have
  • What monthly mortgage payments you can afford
  • If there's likely to be any planned or unexpected changes to your income in the future
  • How healthy your credit rating is
  • Who you are buying with
  • If you need a guarantor 

If you wish, we can also review your protection cover - for your home, your possessions, your life, and your income - to ensure you've got the right insurance policy for any eventuality. 

A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or other debt secured on it.

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For establishing your needs, undertaking research and making a recommendation, we charge a fee of £495.

Bluechip Financial Ltd is an appointed representative of Peritus Private Finance which is authorised and regulated by the Financial Conduct Authority. Peritus Private Finance is entered on the Financial Services Register (Home ( under reference 729282. Peritus Private Finance registered address: 1 Bankside, The Watermark, Tyne & Wear, NE11 9SY. Registered in: England and Wales.

Registered office address: 46 Springdale Avenue, Broadstone, BH18 9EU. 

Phone: 01202 692 222

Registered in England and Wales under reference 06233796. 

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The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.