Lune Mortgage and Protection

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.

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

The low‑rate era is ending.  Those under‑2% deals felt like a dream — but reality is setting in as renewals land closer ...
08/06/2026

The low‑rate era is ending. Those under‑2% deals felt like a dream — but reality is setting in as renewals land closer to 5–6%.
If your fixed term is ending soon, now’s the time to act. Review your options, explore specialist lenders, and make sure your next step fits your budget — not your stress level.
🏠 Knowledge is power — and peace of mind.

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

Welcome to May!It's a great time to get your plans in order—especially if you’re thinking about moving, remortgaging, or...
05/05/2026

Welcome to May!
It's a great time to get your plans in order—especially if you’re thinking about moving, remortgaging, or preparing for your fixed rate to end later this year.
If you’re looking for clarity, calm, and straight‑talking guidance, I’m here to help you understand your options and feel confident about your next steps.

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

20/04/2026

At the end of Last year, I was joining a new Mortgage as a AR firm (Lune Mortgage and Protection). I was struggling a bit with the social media side of the setting up a business, when I came across a post about a social Media course for start up businesses in Lancashire. It is one of the best courses I have ever done, and I met the most lovely people with great businesses. If your in the area and can spare 4 hours once a week, its well worth doing. I have been using social media for years and learnt so much over the 16 week course.

Here is info -
Following the successful delivery of our recent Skills Bootcamps, we’ve been recommissioned to deliver more Skills Bootcamps - and will be launching two new cohorts at the end of May 2026:

🔹 Sales & Marketing Skills Bootcamp
🔹 Social Media Skills Bootcamp

We are calling out to enterprising individuals, freelancers, and business owners across Lancashire – are you looking to grow your income, win new clients, or develop business ideas? If you are, apply now for full information, and we will keep potential learners informed with details.

Delivered online, the bootcamps are intensive but flexible, focusing on practical, real-world skills such as:

✔️ Developing a clear value proposition
✔️ Building effective marketing strategies
✔️ Using social media to increase visibility and engagement
✔️ Creating actionable plans for business growth

You’ll also have the opportunity to connect with like-minded entrepreneurs and access ongoing support beyond the programme.

👉 To be eligible, you must be aged 19+, based in Lancashire, and able to commit to the full programme.

At this stage, we’re inviting expressions of interest so we can keep you updated when applications open.

If you - or someone in your network - could benefit, we’d love to hear from you. Please contact Yvette Holden at [email protected]

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

Website

Alerts

Be the first to know and let us send you an email when Lune Mortgage and Protection posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share