1. Do I have to go through a mortgage broker to apply for a BlueZest mortgage?

No, if you prefer to apply direct that is fine. However, you will need to sign an Execution Only Waiver  to complete your application with BlueZest.  This basically confirms you have chosen not to receive advice and know enough about mortgages to make your own decisions.  You will be provided with the Execution Only Waiver as part of the application process.

2. What makes you different from other mortgage lenders?

We conducted extensive research that told us that people and businesses were incredibly frustrated with the standard mortgage process. It took way too long and often resulted in a negative outcome. We are challenging this process.

We are using modern technology to speed up the entire mortgage process.  You can apply on any device – mobile, tablet or PC and at your convenience switch between them as often as you like. If we cannot help we will tell you as soon as possible and we will keep you informed at every stage of the process.  Our advanced technology provides us with the capability to deliver a mortgage within 60 minutes. However, each applicant and the property involved is unique so it may not always be this fast.  It will however be hours and days and not weeks and months.

We also have a strong team of people that sit behind our technology. Our management team come from large financial services businesses, bringing the credibility and experience of a large business and the nimble approach of a small technology business.

3. Are your processing times from application to offer really less than 60 minutes?

Yes. Whilst we can provide mortgages this fast it will depend on your individual circumstance, your property and your willingness to use all aspects of our advanced technology. We will always do our best to ensure things progress as fast as possible.

4. If I am not eligible, how long will it take for me to find this out?

We will always endeavour to tell you as soon as possible if we are not able to accept your application.

5. How are you able to process my application at this speed? Will my information be secure?

We have automated all the mortgage processes and are using modern technology to speed up the entire mortgage process.  We use the latest security systems and data protection to ensure that your data is protected.

6. Where are you based?

We are based at: 16 Castle Boulevard, Nottingham, England, NG7 1FL

7. How do I contact you?

You can contact our head office on 0330 403 0020 or alternatively email us at enquiries@bluezest.com – our opening times are 8am- to 8pm weekdays and 9am-1pm Saturdays.

8. Are you regulated?

Our current product range sits outside of FCA regulation so we are not currently regulated. We will be applying for authorisation and subject to FCA  approval, we will be developing and launching regulated mortgage solutions. We have decided to adhere to the same level of process as a regulated business from the outset.

9. Where on your website can I find BlueZest’s lending criteria?

You can find our lending criteria within the Borrow section of our website.  Simply click on the product you are interested in and download a fact sheet. For intermediaries there is a more detailed overview available within the intermediary section of the website.

10. Where on your website can I find your latest product information

You can find all the latest product information on the Borrow page of our website.  Simply click on the product in which you are interested to view the product details.

11. What documents will I need to process a mortgage application with BlueZest

BlueZest aims to be as paper free as possible. Each application is unique and we will inform you throughout the process of any documents  required.

12. Where on the website can I find a copy of your terms and conditions

You can find a copy of our terms of use in the footer of the website under Legal. As part of the application process you will be provided with the terms and conditions that are relevant to the product that you are applying for.

13. How can I make an overpayment

To make an overpayment please email our Customer Services at customers@bluezest.com.

*Lines are open 8m to 8pm weekdays and 9am to 1pm Saturdays. Calls to 03 numbers cost the same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way. Calls may be monitored and recorded.

14. What is your business buy-to-let and consumer buy-to-let criteria

Our lending criteria is available within the individual product information on the Borrow page.  Intermediaries can access more detailed information within the intermediary section.

15. How do I change my name or address on my mortgage account

To change your name or address details we must have the necessary legal documents and authorised signature(s). Please contact our customer service team on 0330 403 0020*.

*Lines are open 8am to 8pm weekdays and 9am to 1pm Saturdays. Calls to 03 numbers cost the same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way. Calls may be monitored and recorded.

16. How do I let you know of an amendment like a change of parties or if there has been a transfer of equity (change of borrower) on my mortgage

You can apply to change the name of the parties (people) on your mortgage account or discuss a change of equity should you need to as a result of a change in personal circumstances, please contact our Customer Service team at customers@bluezest.com.

*Lines are open 8m to 8pm weekdays and 9am to 1pm Saturdays. Calls to 03 numbers cost the same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way. Calls may be monitored and recorded.

17. What valuation fee will I have to pay

Unlike many other lenders, we will only charge you for a valuation fee if a physical valuation is required i.e. someone needs to visit the property. We will always endeavor to undertake an ‘automated valuation’ as part of your mortgage application. Where this is suitable and provides us with all the information we require, a physical valuation may not be required and we will not charge a valuation fee. The cost of the valuation, if required, will be provided in your mortgage quote (ESIS).

18. Can I use your conveyancer or do I have to instruct one myself

We have negotiated a very competitive arrangement with our preferred conveyancer which you can benefit from. You can elect to use a different conveyancer; however this will likely be more expensive as you will still need to cover the BlueZest associated costs.  We have also carefully selected our conveyancing partner to ensure rapid and digital updates to keep you informed of progress.

19. What type of support is available to help me manage my financial situation

If you are concerned about money or struggling to pay your mortgage, then please contact us as soon as you can and we will do our best to help. Our contact number is on 0330 403 0020*.

If you are struggling to pay your mortgage due to unsecured debts then you should also consider seeking free debt advice from a company such as Payplan (0800 280 2483), CCCS (0800 138 1111) or the National Debtline (0800 808 4000).

The Money Advice Service (0300 500 5000) can offer advice when it comes to managing money and you can also contact your local Citizens Advice Bureau (www.citizensadvice.org.uk) for advice and support.

*Lines are open 8am to 8pm weekdays and 9am to 1pm Saturdays. Calls to 03 numbers cost the same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way. Calls may be monitored and recorded.