Blooms Of Cheshire Ltd

Mortgage Brokers · Widnes, Warrington · Est. 2024

2 years

Active Trading

Active

CH Status

16000692

Company No

2025

Accounts to

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Company Registration Details

Registered company name	Blooms Of Cheshire Ltd
Companies House number	16000692 →
Company type	Private Limited Company (Ltd)
Registered address	99 Old Upton Road, WA8 9PA
City / Region	Widnes, Warrington
Date incorporated	2024
Years trading	2 years
CH status	Active
Specialism	Recorded activity: 82990 (other business support services)
Index status	Claim this listing →

About Blooms Of Cheshire Ltd

Incorporated in 2024, Blooms Of Cheshire Ltd is a relatively recently established firm. Newer entrants to the UK financial services market often bring fresh approaches, specialist expertise and a strong digital proposition built for modern client expectations.

It is one of 53 mortgage brokers listed in Warrington on this index of 5754 UK firms in the category.

Always confirm current authorisation on the FCA register before proceeding; it also records past regulatory action.

What Mortgage Brokers Do

Mortgage advisers assess affordability, recommend a product and manage the application through to offer. The breadth of lender access differs between firms and shapes the range of products a borrower will actually see.

Broker knowledge earns its keep on non-standard cases: self-employed income, adverse credit, unusual construction or large loans.

How to Choose the Right Mortgage Broker

The right firm depends on the case: a first-time buyer and a limited-company landlord need different lender relationships. Establish early what the firm can access and how it has handled comparable applications.

Broker remuneration typically combines a lender-paid procuration fee with an optional client fee, both disclosable under FCA rules.

Frequently Asked Questions

Do I need a mortgage broker or can I go directly to a lender?

You can approach any lender yourself. What a broker adds is market coverage and criteria knowledge, which shows its value on higher loan sizes, complex income or previously declined applications.

How much does a mortgage broker charge?

Many firms are paid entirely by the lender through a procuration fee, so no client charge applies; others add a client fee, particularly for complex work. Whatever the model, it must be disclosed clearly before you commit.

What documents do I need to provide to a mortgage broker?

Expect to provide identity and address proof, recent bank statements, payslips or accounts if self-employed, details of existing credit commitments, and information on the property. The firm will confirm the exact list for your lender.

How long does the mortgage process take when using a broker?

From application to offer is commonly two to six weeks with mainstream lenders, longer for specialist lending. A firm that manages the lender relationship actively can compress that materially.

Can a mortgage broker help if I have been declined by a lender?

Often yes. Post-decline placement is a recognised specialism: the task is matching your circumstances to a lender whose published and unpublished criteria accept them.

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Important notice: This page contains publicly available information sourced from the Companies House public register. Kaeltripton.com is a directory service and is not affiliated with Blooms Of Cheshire Ltd or any listed firm. This page does not constitute financial advice. Always verify a firm's regulatory status on the FCA Register at register.fca.org.uk and its Companies House status at companieshouse.gov.uk before entering into any arrangement.

Blooms Of Cheshire Ltd | Mortgage Brokers | Widnes | Est. 2024