Amanda Lucas - Mortgage Adviser

21/08/2026

21/08/2026

Buy-to-let is not shrinking in 2026, but it is definitely evolving.

Landlords are continuing to stay active in the market, however higher borrowing costs and tighter affordability checks are changing how portfolios are structured and refinanced.

We are seeing more landlords taking a long-term strategic approach, focusing on sustainable rental yields, stress testing, and planning refinance points earlier to protect cash flow.

At Mortgage Experience, we support landlords in reviewing their portfolios, understanding lender criteria changes, and structuring finance in a way that supports long term performance rather than short term pressure.

If you are a landlord, now is a good time to review your current mortgage position before your next refinance point.

Get in touch today to discuss your next property move:

📞 07718 902383
✉️ [email protected]


Your property may be repossessed if you do not keep up repayments on your mortgage. Most Buy-To-Let Mortgages are not regulated by the Financial Conduct Authority.

19/08/2026

Amanda Lucas

A whole of market mortgage adviser offering advice tailored to meet your individual needs

19/08/2026

ONE OF THE BIGGEST MISTAKES I SEE 🚨

Waiting too long to remortgage. ⏳

Many people assume they need to wait until their deal ends, but that is not always the case.
You can start reviewing your options months in advance.

With rates changing, timing has never mattered more. 📈

Leaving it late can limit your options and potentially cost more.
If your mortgage deal is ending this year and you are not sure what to do next, Im here to help.

📞 07718 902383
📧 [email protected]

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances, but will be agreed with you before proceeding.

14/04/2026

Beautiful home 🏡 for sale 😍😍

02/04/2026

One of the most common things we hear?

“I wish I’d sorted it sooner.” ⏳

When it comes to insurance, waiting often feels easier, until it isn’t. Changes in health, lifestyle, or circumstances can impact your options, and what was once straightforward can quickly become more complicated or expensive.

Putting the right cover in place early gives you certainty, protection, and peace of mind for the future 🛡

Don’t leave it until it’s too late to wish you had.

Get in touch to explore your options today 👇

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/contact-us/

Please note for these insurance products, terms and conditions apply.

31/03/2026

When it comes to mortgage affordability, it’s not just about how much you earn, it’s about what you have left.

Your net disposable income plays a key role in how lenders assess what you can comfortably afford. After your regular outgoings are taken into account, this is what helps determine the level of borrowing that’s right for you.

Understanding this early can make a real difference to your options and help avoid any surprises along the way.

If you’re unsure where you stand, we’re here to help you make sense of it all.

Get in touch to find out more 👇

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/contact-us/

Your home may be repossessed if you do not keep up repayments on your mortgage.

27/03/2026

What you do day-to-day could be affecting more than just your health… it could be impacting your insurance premiums too.

From lifestyle habits to occupation and even where you spend your downtime, insurers look at a bigger picture than you might think.

Understanding these factors can help you make smarter choices (and potentially save money 💡)

Get in touch with us today to discuss your insurance options 👇

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/contact-us/

Please note for these insurance products, terms and conditions apply.

25/03/2026

Are you an entrepreneur looking to secure your first commercial mortgage?

Whether you’re expanding your business, investing in premises, or taking your next big step, having the right funding in place is key.

Navigating commercial mortgages can be complex but with the right guidance, it becomes a clear and achievable process.

We’re here to help you explore your options and find a solution tailored to your business goals.

📩 Get in touch to discuss your first commercial mortgage.

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/contact-us/

Your property may be repossessed if you do not keep up repayments on your mortgage.