Lune Mortgage and Protection

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Lune Mortgage and Protection Zoe Elaine Bromley’s FCA firm ref: 1043585. I live in Lancaster, but cover all of England and Wales.

Zoe Bromley - trading as Lune Mortgage and Protection, is an Appointed Representative of Ingard Financial Limited, which is authorised and regulated by the Financial Conduct Authority under reg: 450731. I am an Appointed Representative of Linear Financial Solutions, offering Mortgage, Protection and General Insurance Advice.

Hello October — and hello Autumn chaos If you’re anything like me, this time of year is a juggle of school runs, darker...
02/10/2026

Hello October — and hello Autumn chaos
If you’re anything like me, this time of year is a juggle of school runs, darker evenings, and trying to keep life moving while everything gets a little busier.

If sorting your mortgage is on your to‑do list, I offer fee‑free appointments at times that actually work around real life — evenings, weekends, and those rare quiet moments in between.

Autumn might be hectic, but your mortgage doesn’t have to be.

--Email: [email protected]
Call/Message/WhatsApp: 07974 392015

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

Hello September ! A new month brings fresh opportunities — whether you’re planning a move, reviewing your mortgage, or f...
01/09/2026

Hello September !
A new month brings fresh opportunities — whether you’re planning a move, reviewing your mortgage, or finally sorting the protection you’ve been putting off.

If August is your month to take action, I’m here to make the process simple, clear, and stress‑free.
Your goals, your home, your protection — sorted.

Let’s make it a good one.

Book in for a free appointment, where I can review your finances.
I offer appointments to suit you, including evenings and weekends.
Email: [email protected]
Call/Message/WhatsApp: 07974 392015
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

Hello September ! A new month brings fresh opportunities — whether you're planning a move, reviewing your mortgage, or f...
01/09/2026

Hello September !
A new month brings fresh opportunities — whether you're planning a move, reviewing your mortgage, or finally sorting the protection you’ve been putting off.

If August is your month to take action, I’m here to make the process simple, clear, and stress‑free.
Your goals, your home, your protection — sorted.

Let’s make it a good one.

Book in for a free appointment, where I can review your finances.
I offer appointments to suit you, including evenings and weekends.
Email: [email protected]
Call/Message/WhatsApp: 07974 392015
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

Taking a short break to recharge so I can come back refreshed and ready to help you make confident mortgage decisions.I’...
28/08/2026

Taking a short break to recharge so I can come back refreshed and ready to help you make confident mortgage decisions.

I’ll be away until 7.09.26, but my diary is still open — feel free to book your fee‑free mortgage review for when I’m back. Evening and weekend appointments are available to fit around busy lives.

If anything urgent pops up, drop me a message and I’ll get back to you as soon as I can.

Email: [email protected]
Call/Message/WhatsApp: 07974 392015

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

🏡 Thinking About Becoming a First‑Time Landlord? Here’s What to Know Before You Dive InBecoming a landlord can be a bril...
05/08/2026

🏡 Thinking About Becoming a First‑Time Landlord? Here’s What to Know Before You Dive In

Becoming a landlord can be a brilliant long‑term investment — but it’s not just about buying a property and handing over the keys. If you’re starting to explore the idea, here are the essentials to get clear on:

🔑 1. Affordability & Deposit
Buy‑to‑let mortgages usually need a larger deposit (often 20–25%). Lenders also look closely at rental income projections.

📊 2. Rental Stress Tests
Your mortgage approval depends on whether the expected rent comfortably covers the mortgage payment. Each lender calculates this differently.

🏠 3. Property Type Matters
Flats, houses, HMOs, new builds — lenders treat them differently. Some properties are easier to finance than others.

📄 4. Landlord Responsibilities
Gas safety, electrical checks, tenancy agreements, insurance… it’s more structured than many expect, but manageable with the right guidance.

💷 5. Tax & Costs
Factor in maintenance, void periods, insurance, and tax changes. A realistic budget = a smoother experience.

If you’re thinking about stepping into the world of buy‑to‑let, I can help you understand the numbers, the lenders, and the process — so you can make confident, informed decisions.

Book in for a free appointment, where I can review your finances.

Email: [email protected]
Call/Message/WhatsApp: 07974 392015
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

🏡 Thinking About Becoming a First‑Time Landlord? Here’s What to Know Before You Dive InBecoming a landlord can be a bril...
05/08/2026

🏡 Thinking About Becoming a First‑Time Landlord? Here’s What to Know Before You Dive In
Becoming a landlord can be a brilliant long‑term investment — but it’s not just about buying a property and handing over the keys. If you’re starting to explore the idea, here are the essentials to get clear on:

🔑 1. Affordability & Deposit Buy‑to‑let mortgages usually need a
larger deposit (often 20–25%). Lenders also look closely at rental income projections.

📊 2. Rental Stress Tests Your mortgage approval depends on whether the expected rent comfortably covers the mortgage payment. Each lender calculates this differently.

🏠 3. Property Type Matters Flats, houses, HMOs, new builds — lenders treat them differently. Some properties are easier to finance than others.

📄 4. Landlord Responsibilities Gas safety, electrical checks, tenancy agreements, insurance… it’s more structured than many expect, but manageable with the right guidance.

💷 5. Tax & Costs Factor in maintenance, void periods, insurance, and tax changes. A realistic budget = a smoother experience.

If you’re thinking about stepping into the world of buy‑to‑let, I can help you understand the numbers, the lenders, and the process — so you can make confident, informed decisions.

Book in for a free appointment, where I can review your finances.

Email: [email protected]
Call/Message/WhatsApp: 07974 392015

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

Summer holidays are in full swing… which basically means I’m running on coffee, snacks, and sheer determination while tr...
04/08/2026

Summer holidays are in full swing… which basically means I’m running on coffee, snacks, and sheer determination while trying to keep life moving.

If you’re in the same boat and need mortgage advice, I make it easy. I offer fee‑free appointments, with evening and weekend availability so you don’t have to squeeze them into an already packed day.

Busy life? Same. Let’s make your mortgage the simple part.

Book in for a free appointment, where I can review your finances.

Email: [email protected]
Call/Message/WhatsApp: 07974 392015
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

Hello August A new month brings fresh opportunities — whether you're planning a move, reviewing your mortgage, or final...
03/08/2026

Hello August
A new month brings fresh opportunities — whether you're planning a move, reviewing your mortgage, or finally sorting the protection you’ve been putting off.

If August is your month to take action, I’m here to make the process simple, clear, and stress‑free.
Your goals, your home, your protection — sorted.

Let’s make it a good one.

Book in for a free appointment, where I can review your finances.
I offer appointments to suit you, including evenings and weekends.
Email: [email protected]
Call/Message/WhatsApp: 07974 392015
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

At its meeting on the 18/06/2026, the Bank of England’s Monetary Policy Committee have voted to hold the Bank of England...
18/06/2026

At its meeting on the 18/06/2026, the Bank of England’s Monetary Policy Committee have voted to hold the Bank of England Base rate for a second time at 3.75%.
The Next meeting is scheduled for 30th July 2026.

Now is a great time for a review of your mortgage, especially if you have a fixed rate that is coming to an end in the next 6 months.

I offer appointments at times that suit you, including evenings and weekends.
Contact me for a free no obligation appointment, all advice will be based on your circumstances.

Get in touch to see how I can help you.
Email: [email protected]
Call/Message/WhatsApp: 07974392015

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

Address

Standen Park
Lancaster
LA13FG

Opening Hours

Monday 9am - 9pm
Tuesday 9am - 9pm
Wednesday 9am - 5pm
Thursday 9am - 9pm
Friday 9am - 5pm
Saturday 10am - 3pm

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