Richard Lucy - Finance Planning Mortgage & Protection Solutions

18/03/2026

Be honest… do you believe in luck when it comes to buying a home? ☘️🏡 Should you?

While a little luck never hurts, the reality is that strong financial planning can make all the difference. Knowing your budget, understanding your borrowing options, and getting prepared early puts you in a much stronger position when the right property comes along.

The right guidance can turn “maybe one day” into a clear plan and that’s where we come in.

If you’re thinking about buying this year, feel free to reach out for a chat. 🍀 It's good to talk.

📞 01273525130 and 07824595503
Visit: https://richardlucy.financeplanning.co.uk/
Follow us on our social media channels and stay ahead with the best mortgage advice! 🌟📊

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Finance Planning is a trading name of The Finance Planning Group Limited, which is authorised and regulated by the Financial Conduct Authority.

02/02/2026

What scares you most about buying your first home?
💰 Deposits/How much do I need?
📉 Interest rates?
📄 Paperwork/admin?
⏰ Timing the market/when is the right time?
If you’re feeling nervous, you’re not alone most first-home buyers do.
But the good news? You don’t have to figure it out by yourself 🤍
When you are ready contact me and I can gently guide you through the process. It's good to talk.
📞 07824 595503
Visit https://richardlucy.financeplanning.co.uk/
Follow us on our social media channels and stay ahead with the best mortgage advice! 🌟📊
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Finance Planning is a trading name of The Finance Planning Group Limited, which is authorised and regulated by the Financial Conduct Authority.

02/02/2026

🚨 Is your Mortgage due soon? Don't accept what your current lender offers you. 🚨
Auto-renewing your mortgage could be one of the most expensive mistakes you make this year.
When your mortgage comes up for renewal, you have a short window to:
💰 Lock in a better rate
💰 Cut thousands in interest
💰 Lower your monthly payments
💰 Use your new enhanced equity to your advantage
If your mortgage is up for renewal in the next 6–12 months, the time to act is now, not after the deadline.
Let’s make it work for you, not the bank. Don't wait until it's too late!
Contact me at the Finance Planning Group today for FREE expert advice on optimising your mortgage and lock in the best rates available. Don't miss out on this opportunity to make your mortgage work for you! 📈 It's good to talk.
Contact me on 📞 07824 595503
Visit https://richardlucy.financeplanning.co.uk/
Follow us on our social media channels for more tips on how to get the best out of your mortgage.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Finance Planning is a trading name of The Finance Planning Group Limited, which is authorised and regulated by the Financial Conduct Authority.
🏡

30/01/2026

📍🏡 Location. Location. Location. 🏡📍
You can change the kitchen.
You can add another bathroom.
But you can’t change where your home is.
When buying a home, location shapes everything: lifestyle, schools, commute, future value and how it feels to live there every day.
Once you find that perfect spot, the next step is making it happen with the right financial plan.
💼🏠 At The Finance Planning Group, we’re ready to help you:
✔️ Understand your borrowing power
✔️ Explore loan options that suit your goals
✔️ Move forward with confidence when the right location comes along
Found the location you love? Let’s help you secure the home to match.
Richard Lucy at The Finance Planning Group
📞 01273 525130 / 07824 595503
Visit: https://richardlucy.financeplanning.co.uk/
Follow us on our social media channels and stay ahead with the best mortgage advice! 🌟📊
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Finance Planning is a trading name of The Finance Planning Group Limited, which is authorised and regulated by the Financial Conduct Authority.

30/01/2026

🏡💼 What happens to your Mortgage when you pass away? 💼🏡
Planning for the future is important — especially when it comes to your home. Here’s what you should know:
🔹 Outstanding Balance: A mortgage doesn’t disappear when you pass away. Any remaining balance is usually settled by your estate.
🔹 Life Insurance: Mortgage protection or life insurance can help pay off the loan, easing the financial burden on loved ones.
🔹 Inheritance: Your property and the responsibility for the mortgage may transfer to your heirs, who typically have options to keep or sell the home.
At The Finance Planning Group, we help you plan ahead with confidence. Our experts can guide you through life insurance, mortgage protection, and estate planning — so your loved ones are looked after.
✨ Plan today for peace of mind tomorrow.
📞 Contact me - Richard Lucy at The Finance Planning Group for personalised advice 01273 525130 / 07824 595503
visit https://richardlucy.financeplanning.co.uk/
Follow us on our social media channels and stay ahead with the best mortgage advice! 🌟📊
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Finance Planning is a trading name of The Finance Planning Group Limited, which is authorised and regulated by the Financial Conduct Authority.

07/08/2025

Good news today as we see a further Bank of England Base rate drop to 4.0%. As always fixed rates are under continuous review so it's always advisable to get in touch with your adviser and they can really give you the latest rates every day. It's good to talk. 🏡🏛🏡
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

26/03/2025

So in the last two weeks one highlight that stands out has been saving a couple age 65-72 from a repossession hearing from a high street lender. It got me thinking again at the principle of homeowners on interest only mortgages with no real plan to repay except to downsize.

There are very few who really want to downsize and yet if you have an interest only mortgage that runs to age 70 the lender still wants the mortgage repaid at age 70.

If you are over age 50 to 55 and have an interest only mortgage then there are far more options than waiting until age 65 to start thinking about how you are going to repay your mortgage.

This could be you or your parents or extended family or friends.

It's not always about getting onto the housing ladder. It's also staying on for good.

Share my details. It's good to talk. 07824 595503 [email protected]

08/10/2024

https://www.facebook.com/share/52CCzrvZuQhDtGbp/

🏡📊 Discover the benefits of Offset Mortgages with Finance Planning 📊🏡

Are you looking to save on interest and pay off your mortgage faster? An offset mortgage might be the perfect solution! Here’s how it works:

🔹 Interest Savings: Link your savings account to your mortgage, and your savings balance offsets your mortgage balance, reducing the interest you pay.
🔹 Flexible Payments: Make overpayments without penalty to reduce your mortgage term.
🔹 Easy Access: Keep access to your savings while still benefiting from reduced interest.

Finance Planning can help you navigate the benefits of offset mortgages and find the best option tailored to your financial situation. Our experts provide personalised advice to help you make informed decisions and optimise your mortgage plan.

Ready to explore offset mortgages? Contact Finance Planning today! 🌟📞

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

07/10/2024

🏡This week a major high street lender has contacted their existing customers to tell them that if they are moving house they can deal direct with them for porting the mortgage to the new property. What could be simpler?...you may ask.

We know a few things about this approach. 1) They can only advise on their own products if they give advice at all. 2) They may not be offering the best rates in the market for extra borrowing. 3) They won't be chasing themselves to get an offer issued out. 4) They might go very quiet as soon as the offer is issued so they won't be chasing your agent or solicitors for updates. 5) If you don't quite fit current lending policy they are unlikely to negotiate with themselves in the mirror overnight. 6) They probably won't be advising on your insurance needs also from a range of insurers in time for exchange of contracts.

I haven't mentioned timescales or the ability to escalate if you need help with any of these points above.

So if you are moving house and your lender says 'Come to us directly' please think about your expectations and what a qualified whole market experienced mortgage adviser could do for you.

It's good to talk so let's have that initial chat and get you moved together. We love movers. 🏡07824595503 [email protected]

29/09/2024

https://www.facebook.com/share/EZLN5Tfi17Ms8mZV/

💼💰 Are you considering borrowing up to 6x your salary? Let's weigh the Costs! 💸💡

At The Finance Planning Group, we understand that securing a mortgage is a significant financial decision. While it's possible to borrow up to 6 x your salary in some cases, it's essential to carefully consider the implications before moving forward.

Borrowing a larger amount may seem appealing as it can increase your purchasing power and allow you to afford a more expensive home. However, it's essential to remember that borrowing more also means higher monthly mortgage payments and increased interest costs over the life of the loan.

Before committing to a mortgage amount, we encourage our clients to:

1️⃣ Assess Affordability: Consider your current financial situation, including income, expenses, and any existing debt obligations. Ensure that the monthly mortgage payments are comfortably within your budget to avoid financial strain.

2️⃣ Understand Interest Costs: Borrowing a larger amount typically means paying more in interest over the life of the loan. Use mortgage calculators and consult with our experts to understand how different loan amounts will impact your total interest costs.

3️⃣ Explore Alternatives: If borrowing 6 times your salary is beyond your comfort level or affordability, consider alternative options such as increasing your deposit, exploring government assistance programs, or adjusting your homebuying timeline.

4️⃣ Seek Professional Guidance: Our experienced mortgage advisors are here to provide personalised guidance and help you make informed decisions that align with your financial goals. We'll work closely with you to explore your options and find the right mortgage solution for your needs.

Remember, while borrowing up to 6 times your salary may be feasible for some, it's not necessarily the right choice for everyone. Your financial well-being and long-term stability are our top priorities, and we're here to support you every step of the way.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

💼💬 💡

22/09/2024

https://www.facebook.com/share/cKFgXMGK2EtJjeLZ/

🏠 Considering Your First Home Purchase in 2024? Let's Make It a Success Story! 🌟💼

Embarking on the journey to homeownership as a first-time buyer in 2024 comes with its own set of challenges and opportunities. But fear not! With the right guidance and support, you can turn your dream of owning a home into reality. 💫 Here's where The Finance Planning Group steps in with some invaluable advice:

1️⃣ Financial Preparedness: Get your finances in order by setting a realistic budget, saving for deposit and improving your credit score. The Finance Planning experts can offer personalised strategies to strengthen your financial position and qualify for the best mortgage rates.

2️⃣ Mortgage Guidance: With a multitude of mortgage options available, it's crucial to find the one that aligns with your financial goals and circumstances. The Finance Planning Group can provide insights into different loan types, interest rates, and deposit requirements to help you make informed decisions.

3️⃣ Long-Term Financial Planning: Buying a home is a significant financial milestone, and it's essential to consider its implications within the broader context of your long-term financial goals. The Finance Planning Group can provide guidance on how homeownership fits into your overall financial plan and offer strategies to maximise your investment.

4️⃣ Navigating the Market: The Finance Planning Group works closely with over 100 mortgage lenders, allowing the best choice when it comes to finding the best mortgage for you.

As you embark on this exciting journey of becoming a first-time homeowner in 2024, remember that you're not alone. The Finance Planning Group is here to provide the support and guidance you need every step of the way. Let's make your homeownership dreams a reality together! 🏡✨

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

💼🔑

22/09/2024

https://www.facebook.com/share/zJs9M3nnneT2f1Eu/

🏡📅 Is your mortgage expiring? Time to explore new deals & fixed rates! 📅🏡

Is your current mortgage deal coming to an end? Now’s the perfect time to review your options and secure a new mortgage with the best fixed rates available!

🔹 Avoid SVR: Don't get stuck on your lender's Standard Variable Rate (SVR) which can be higher.
🔹 Fixed Rates: Lock in a new fixed-rate deal to keep your monthly payments stable and predictable.
🔹 Save Money: Potentially reduce your monthly payments and save money over the life of your loan.

The Finance Planning Group is here to help you find the best mortgage deal tailored to your needs. Our experts will guide you through the process, ensuring you get the most favourable rates and terms.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Ready to explore new mortgage options? Contact The Finance Planning Group today! 🌟📞