Lucy Medley Mortgages & Protection

Lucy Medley Mortgages & Protection Providing expert advice on Mortgages (Residential & Buy to Let), Protection & Insurance

NO DEPOSIT REQUIRED 💸A day after Halifax’s £5k deposit announcement and Skipton improve their NO DEPOSIT offering 👏 👆Th...
14/05/2026

NO DEPOSIT REQUIRED 💸

A day after Halifax’s £5k deposit announcement and Skipton improve their NO DEPOSIT offering 👏

👆This one comes with a fair amount of criteria to be eligible but if you’re currently stuck renting with no (or a very low) deposit, let’s have a chat about getting you on the ladder 🪜

🤳 07468 496466
📧 [email protected]
Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.

Buying with just a 5k deposit just got a whole lot easier to achieve! 🏡 Halifax have joined the likes or Accord and Newc...
13/05/2026

Buying with just a 5k deposit just got a whole lot easier to achieve! 🏡

Halifax have joined the likes or Accord and Newcastle offer the option to buy a house with just a £5k deposit!

Halifax have some incredible criteria meaning they can lend on a lot more occasions than other lenders and this just widens the net!

A few main points to the policy:
- Available to employed and self employed
- Only one client had to a first time buyer
- Property price between £102k - £300k
- 5 year fixed rate
- No product fee
- No minimum income requirement

🤳 07468 496466
📧 [email protected]
Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.

Wednesday: Full app submitted 🤞 Thursday: Application assessed and approved subject to valuation 😃 Friday: Valuation acc...
13/05/2026

Wednesday: Full app submitted 🤞
Thursday: Application assessed and approved subject to valuation 😃
Friday: Valuation accepted and Mortgage offer received 🙌
Monday: Rate reductions announced ⬇️
Tuesday: New rate released and secured 💪

After 7 weeks of being messed around by a different lender (on a different property that didn't go ahead), my client was feeling very nervous about starting a new application on their new chosen property.

But what a dream NatWest Intermediaries have made it!!

One very happy client, means one very happy broker! 💜

There are a lot of things to check when buying a new house 🏠 here’s 3 things to check that most won’t even think about, ...
30/04/2026

There are a lot of things to check when buying a new house 🏠 here’s 3 things to check that most won’t even think about, based on our own experience!

🍔 What are the local takeaways like?!

The first day we moved to our new house, settled down with an empty fridge, ready to order dinner, only to realise we had a choice of just 3 delivery options 😢 (we moved from a city that had over 100 options)

🔨 Where is the local hardware store? (particularly important if buying
A fixer upper)

We moved in 8 months ago and have driven 25 minutes to our closest B&Q every time we needed something… only now just realising we have both Jewsons and Screwfix within a 5 minute drive 🙃

🍻 Does the local shop sell your favourite items?!
Mr Medley was very disappointed on our first supermarket trip to learn they didn’t stock his favourite beer 💔 until this week when we stumbled across these now in the local Tesco! 😍

🤳 07468 496466
📧 [email protected]
Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.

Why do my 7 & 9 year old cook dinner for the whole family at least once a week? 👩‍🍳Because cooking comes with risks ⚠️🧑‍...
27/04/2026

Why do my 7 & 9 year old cook dinner for the whole family at least once a week? 👩‍🍳

Because cooking comes with risks ⚠️

🧑‍🍳 Food not cooked properly can make you poorly
🔥 Food not cooked safely can be dangerous
🫠 Food not cooked well can disappoint you and everybody else expecting to eat it

I spend a lot of my day advising people on how to protect themselves when things go wrong, especially when they’re not properly insured. And the truth is, avoiding risk completely isn’t realistic.

So instead, I do my best to educate on dealing with risk.

In our kitchen, that means learning how to plan, prepare, and take responsibility for what they create. It means understanding consequences (even if it’s just slightly burnt pasta), building confidence, and knowing how to fix mistakes next time.

At work, that means showing people the full picture and what the risks are of not having the correct life insurance, critical illness cover and income protection in place.

Because one day, the risks won’t just be dinner, they’ll be decisions that really matter.

And I want my kids and my clients to be ready.

📧[email protected]
🤳07468496466

For insurance business we offer a choice of providers

13/04/2026

Did you know having a twin can hinder you getting a mortgage 🤯 👯

This is something very rarely thought about it… because why would it?!

But often when a set of twins live in the same household, with the same surname and the same date of birth, their credit reports can end up tangled together. 🧶

This means your twins credit card, car loan, mortgage and bad credit could be impacting you too!! 😬

If you have a twin, and you’re planning to get a mortgage, check your credit report way in advance and submit an appeal to get anything that is not yours removed from your report nice and early!

🤳 07468 496466
📧 [email protected]
Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.

Anybody else prefer Easter to Christmas? 🫣The family time, the big roast dinner, the board games without the pressure an...
08/04/2026

Anybody else prefer Easter to Christmas? 🫣

The family time, the big roast dinner, the board games without the pressure and expense of Christmas 💸

Not to mention the weather being that bit better ☀️

Extra few days off over the holidays off and now back to it 👉💪

⭐️⭐️⭐️⭐️⭐️Absolutely love when a challenging case gets over the line! 😍
16/03/2026

⭐️⭐️⭐️⭐️⭐️

Absolutely love when a challenging case gets over the line! 😍

It’s not always mortgage offers being celebrated in the Medley householdThis week we’ve also had 2 front teeth fall out ...
05/02/2026

It’s not always mortgage offers being celebrated in the Medley household

This week we’ve also had 2 front teeth fall out and a spelling award for one of the mini Medleys 👏

Tooth fairy’s purse is feeling a bit lighter! 👛

⭐️⭐️⭐️⭐️⭐️
24/01/2026

⭐️⭐️⭐️⭐️⭐️

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Southampton

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