Christian Bell | Your Trusted Mortgage and Protection Broker in Carlisle, Cumbria

Looking for a mortgage broker in Carlisle, Cumbria? I’m Christian Bell, a local adviser offering practical, straightforward advice to homebuyers, landlords, and business owners.

I assist clients across Carlisle and surrounding areas with a wide range of mortgage and insurance services tailored to UK lending standards.

Mortgage Advice You Can Rely On

I provide trusted advice for:

✔ Residential mortgages – for first-time buyers, home movers, and remortgages.
✔ Buy-to-let mortgages – whether for single lets or growing a rental portfolio.
✔ Limited Company mortgages – ideal for landlords buying through a business structure.
✔ House in Multiple Occupation (HMO) mortgages – tailored for high-yield property types.
✔ Commercial and semi-commercial mortgages – suitable for shops with flats, offices, and warehouses.
✔ Bridging finance – fast solutions for auction purchases, short-term needs, or property refurbishments.
✔ Protection and general insurance – including life cover, income protection, and building and contents cover.

Bridging Finance – Specialist Advice from an Experienced Broker

With years of experience arranging bridging finance, I understand how vital speed and structure are. I’ve helped clients across Carlisle and Cumbria secure short-term funding for time-sensitive property transactions and complex cases.

I work closely with specialist lenders who understand that not every deal fits standard mortgage criteria. Whether you’re purchasing at auction, refurbishing a property, or need to act fast to avoid losing a deal, I can find the right solution.

Here’s where I can help:

✔ Auction purchases with strict completion deadlines
✔ Properties needing renovation or not yet mortgageable
✔ Chain breaks, where you need funds before a sale completes
✔ Business use, such as releasing equity from commercial property
✔ Bridge-to-let options, where the exit is a long-term rental mortgage

Every case is reviewed personally. I assess your exit strategy, timeline, and requirements to ensure the loan suits your plans and budget. I’ve arranged bridging deals from £50,000 to £5 million, and my relationships with lenders mean you get the most competitive terms available for your circumstances.

If you need bridging finance in Carlisle or across Cumbria, I’m here to make the process smooth, fast, and stress-free.

Clear Support for Every Situation

Whether you’re buying your first home, investing in rental property, or need support as a company director, I’ll help you:

✔ Understand lender criteria
✔ Gather the right documents
✔ Choose suitable lenders
✔ Move forward with confidence

You’ll always receive direct, honest advice based on your needs.

Local Service Across Cumbria

Based in Carlisle, I also help clients in:

✔ Penrith ✔ Workington ✔ Whitehaven ✔ Kendal ✔ Wigton ✔ Cockermouth

Appointments are available online or in person, and I work around your schedule.

Why Clients Choose Me

✔ Direct access to over 90 UK lenders
✔ Specialist support for limited company and HMO mortgages
✔ Experience with complex income types and credit history
✔ Ongoing help through the full mortgage and insurance process

I aim to simplify the process and give you clear options, whatever your background or plans.

Ready to Get Started?

If you’re searching for a mortgage broker in Carlisle, Cumbria, I’m here to help. Whether you’re buying, investing, or refinancing, I’ll guide you step-by-step to the right solution.

Get in touch today to book a free consultation.