Lucy Whittaker - Mortgage Adviser

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Lucy Whittaker - Mortgage Adviser

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I am a CeMap qualified mortgage and protecton adviser with the Mortgage Advice Bureau, based in Ramsbottom, Bury.

30/10/2026

F I N I S H I N G T H E W E E K W I T H
A N O T H E R ⭐️ ⭐️ ⭐️ ⭐️ ⭐️ R E V I E W 🥹🥰

Looking for a ‘reliable, proactive broker’ 👩🏼‍💻🏡

Contact me on 07903446236 or at [email protected] for your FREE initial appointment.

(Your home may be repossessed if you don’t keep up with your mortgage repayments)

30/10/2026

GETTING THOSE KEYS TO YOUR NEW HOME 😬🔑

MASSIVE congratulations to my lovely client Casper on the purchase of his new home! 🏡

I wish you all the best and many happy years in your new home🥰

27/10/2026

L e t s T a l k A b o u t M o r t g a g e
O v e r p a y m e n t s 🏡

Did you know that making regular overpayments on your mortgage could save you thousands of pounds in interest and help you become mortgage-free sooner? 😍

Many mortgage lenders allow you to overpay by up to 10% of your outstanding mortgage balance each year without incurring an Early Repayment Charge (ERC). However, this varies depending on your lender and mortgage deal, so it’s always worth checking your terms first.

The question is, how can overpaying benefit you? ⬇️

⭐️ Reduce your mortgage balance – pay off the capital faster.

⭐️ Pay less interest – the less you owe, the less interest you could pay over time.

⭐️ Become mortgage-free sooner – potentially shave years off your mortgage term!

💷 LET’S LOOK AT THE NUMBERS… 👀

Assuming you have:

🏡 Mortgage amount: £200,000
📈 Interest rate: 5.20%
📅 Mortgage term: 25 years
💰 Monthly overpayment: £100

THE POTENTIAL SAVINGS? ⬇️

🤩 Around £25,950 saved in interest!

🙌 Mortgage-free approximately 3 years and 7 months earlier!

That’s the power of making small, regular overpayments. An extra £100 a month could make a significant difference to your mortgage journey! ❤️

⚠️ Important: The figures above are illustrative and assume the interest rate remains at 5.20%, with overpayments made monthly and no additional fees. Actual savings will depend on your mortgage terms and how your lender applies overpayments. Also consider keeping enough savings for emergencies before making overpayments. 👩🏼‍💻

26/10/2026

⭐️ YOUR DREAM HOME STARTS WITH THE RIGHT MORTGAGE ADVICE ⭐️

Thinking about buying your first home, moving somewhere bigger, or finding your forever home? 🏠✨

Getting a mortgage can feel overwhelming, but you don’t have to figure it all out alone. 👩🏼‍💻

I can help you explore your mortgage options and understand the steps towards getting the keys to your new home. 🔑 🏡

💷 Not sure how much you could borrow?
🏡 Wondering what deposit you might need?
📋 Need help understanding the mortgage process?

Let’s start the conversation!

✅ Mortgage guidance tailored to your circumstances
✅ Help understanding your options
✅ Support throughout your homebuying journey

📩 DM me the word “HOME” today to start exploring your mortgage options!

Your next chapter could be closer than you think. ❤️🏡

[email protected]
07903446236

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

23/10/2026

Not just there to find you the best rate…

“If you’re reading the reviews and thinking about using her as your mortgage adviser- DO IT, you won’t regret it!” 👩🏼‍💻🥰

Looking for a local mortgage adviser?

[email protected] 📧
07903446236 📱

(Your home may be repossessed if you don’t keep with your mortgage repayment)

21/10/2026

WORRIED ABOUT YOUR REMORTGAGE? CURRENT PRODUCT DUE TO END IN THE NEXT SIX MONTHS? LET’S TALK. 💬 🏡

With the cost of living still putting pressure on household budgets and mortgage rates being where they are, we know many homeowners are wondering what happens when their current mortgage deal comes to an end. 💷

⭐️ Will my monthly payments increase?
⭐️ Could I find a deal that better suits my circumstances?
⭐️ Should I start looking at my options now, or wait?

The truth is, doing nothing could mean missing the opportunity to review your options before your current deal ends.

🏡 Now is the time to get prepared, not panicked.

Booking a remortgage appointment gives you the opportunity to:
✅ Review your current mortgage and what happens when your deal ends.
✅ Explore the options available based on your circumstances.
✅ Understand the potential impact on your monthly payments.
✅ Plan ahead with greater confidence and peace of mind.

You don’t have to wait until your current deal expires to start the conversation!

📅 Book your FREE initial remortgage appointment today and let’s look at your options together.

[email protected]
07903446236

(Your home may be repossessed if you don’t keep up with your mortgage repayments)

21/10/2026

A huge congratulations to my lovely clients, Simon and Georgia, on the purchase of their beautiful new home! 🏡🔑

Wishing you both many happy years, wonderful memories, and lots of happiness in your new home. ❤️

17/10/2026

It’s been a quieter week on here for me as I’ve been struck down with the most horrible flu! 🤧😷🥵 Work has mainly consisted of replying to messages and keeping things ticking over from the comfort of my bed whilst trying to recover! 🛌💻

(Thank god for the husband who’s kept everything running smoothly at home whilst I’ve been out of action 🏠👩🏻‍🦰👦🏼🥰)

DESPITE feeling under the weather, it’s still been a productive week behind the scenes! 🙌🏻

⭐️ Buy-to-let mortgages: Agreements in Principle accepted and applications submitted 🏡

⭐️ Remortgages: Initial appointments completed with clients whose fixed-rate deals are due to end in the next six months, helping them get ahead and explore their options early ✅

⭐️ Purchases progressing: Solicitor updates and estate agents chased to keep those property purchases moving forward 🔑

⭐️ Exciting milestones: Completion dates set and the final stages underway for some of my lovely clients buying their new homes! 🥂🏡

Now, hopefully, it’s time to kick this flu into touch and get back to feeling myself! 🤞🏻🤒

Thinking about buying your first home, moving house or investing in a buy-to-let property? Or is your current mortgage deal coming to an end in the next six months?👩🏼‍💻

Whatever stage you’re at, I’m here to help guide you through the process and make things feel a little less overwhelming. 🏡🔑

📩 Drop me a message, give me a call or send me an email to arrange your FREE initial appointment.

[email protected]
07903446236

(Your home may be repossessed if you don’t keep up with your mortgage repayments)

15/10/2026

THE SIX MONTH RULE EVERY HOMEOWNER SHOULD KNOW 🏡

A question I’m often asked is when should we look to remortgage? ⏰

✨ My honest answer? Around 6 months before your current fixed rate ends.

Why? 🤔

Because it gives you time to explore your options and potentially secure a new mortgage rate in advance, without leaving things until the last minute.

📈 If rates go up before your new deal starts, you may have already secured a more favourable rate.

📉 If rates come down, we have the potential option of switching you to a lower rate before completion. It’s a win, win 🥇

🏡 A little planning now could make a big difference later! 💷

Don’t wait until your current deal ends to start thinking about your next move.

💬 Not sure where to start? Drop me a message — let’s get you prepared!

[email protected]
07903446236

(Your home may be repossessed if you don’t keep up with your mortgage repayments)

09/10/2026

✨L E T ’ S T A L K L I F E I N S U R A N C E ✨

I know it’s not the most exciting topic to talk about, and it can feel a little gloomy… but I really can’t stress enough how important it is to have the right protection in place! ❤️

I speak to lots of clients, particularly young, first-time buyers, who don’t always realise just how important life insurance and protection can be. And I completely understand why! When you’re young, healthy and starting out on your homeownership journey, it’s easy to think, “Why would I need that right now?”

But here’s why it’s worth thinking about sooner rather than later… 👇🏼

⭐️ The younger you are, the more affordable your cover can be. Taking out protection when you’re younger can mean lower monthly premiums, depending on your circumstances and the policy you choose.

⭐️ Your health matters, too! Applying while you’re healthy may give you access to more favourable terms. Certain medical conditions can lead to higher premiums, exclusions or, in some cases, cover being declined.

⭐️ Peace of mind with your monthly payments. Many policies offer guaranteed premiums, meaning your monthly payments can stay the same throughout the policy term, provided the policy terms remain unchanged. 🙌🏼

Now, here’s something I want you to really think about…

🏡 If the worst were to happen, could your partner or family afford to keep up with the mortgage payments without your income?

❤️ If you were diagnosed with a critical illness or became unable to work long-term, would you have the financial security to cover your mortgage and household bills?

These aren’t always easy questions to ask yourself, but they’re so important to consider.

Protection isn’t about expecting the worst to happen. It’s about making sure the people you love, and the home you’ve worked so hard for, are financially protected if life takes an unexpected turn. 🏡❤️

Please don’t put it off thinking, “I’ll sort that in a few years.” Having that conversation sooner could make a real difference to the options available to you.

✨ Want to know what protection could look like for you?

I’m happy to review your individual protection needs, explain the options available and help you understand what may be suitable for your circumstances.

📩 Drop me a message for your FREE, no-obligation protection review.

Because protecting your future is just as important as buying your home. ❤️🔑

[email protected]
07903446236

Address

Ramsbottom
Ramsbottom

Telephone

+447903446236

Website

https://g.co/kgs/TwKQsTB

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