Lucy Medley Mortgages & Protection

Home
United Kingdom
Southampton
Lucy Medley Mortgages & Protection

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

22/10/2026

Did you know I was nearly part of the England ladies squad? ⚽️

Well, when I say nearly… about 20 years ago I loved nothing more than kicking a football around.

There was just 1 thing that stopped me joining the England squad. 🦁

It wasn’t lack of passion
It wasn’t lack of loyalty
And it wasn’t a lack of effort.

It was lack of skill. I am, and always have been, awful at Football. 🫣

Which is good news really… because if I had followed my football destiny, I would not have:
🏡 Helped 5 clients buy their home so far this month
💰 Helped 3 clients renew their mortgage this month
🛡️Reviewed all 8 protection policies and made sure every single one of those people, are sufficiently protected and able to stay in their home and maintain essential outgoings in the event of an injury or illness 💙

What was the football industry’s loss, was the mortgage industries gain 🤩🤷‍♀️

20/10/2026

Recommendations go such a long way 💙

After years of being an utterly butterly family, we were recently introduced to this butter 🧈

And we will never go back!

It might cost a little more, and we’ve had to invest in a butter dish as it’s rock solid straight from the fridge 💸 but it is sooo worth it 🤩😍

But some good news, you can actually made money from a recommendation!

If you use this link to refer a friend, family member, colleague or literally! (T&Cs apply) You will receive £50 on completion of their mortgage, straight into your bank account!

And there are no limits on how many people you can refer! 🤑🤑

https://themortgagequarter.co.uk/refer-a-friend/

🤳 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.

13/10/2026

Brokers aren't just about securing the best interest rate! 🔒

This week I saved a client an estimated £43,967.40 and allowed them to have the peace of mind that they can retire at their state pension age as they'd hope to! Was it by miracle? No, just a conversation and a proper look at the figures.

When they took the mortgage 2 years ago, they were advised to take a term which took them to age 75 as they said they wanted to keep their payments low, so without a full budget conversation, the broker took the longest term possible without really discussing the implications. They didn't really know why they'd gone that long, and they didn't have a plan that would allow them to retire at their state pension age, but the adviser at the time told them this gives them the lowest monthly payment.

So, when reviewing the mortgage, they wanted to keep that term as they couldn't afford a higher payment. Until we went through their budget planner, and realised if they took £113 of the £500 that they save monthly, we could reduce that term to finish by their 68th birthday and allow them to retire early!!

They assumed it would cost hundreds a month more to achieve, sometimes it just needs somebody to go through the numbers and explore the options! 💸

06/10/2026

From on the tree, to on the table in an under hour for the apples in our garden🍏

And from application to offer in just 3 days for Coventry Building Society 🙌

In such uncertain times, speed and efficiency is so important to anybody applying for a mortgage (or hungry for their pudding), so getting these quick turnaround times is an important factor!!

It’s great to see from all lenders who are currently making their quick service times stand out right now 👏

🤳 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

04/10/2026

Want to know how to make a job take twice as long, cost twice as much and cause a big mess that needs cleaning up? 🧹

Just let the kids help. 😂

This was meant to be a simple job of getting the dog’s dinner ready… somehow we ended up with dog food all over the floor and an extra cleaning job thrown in for good measure 🐶

And sometimes, mortgages can feel a bit like that too…

What should be a straightforward move, remortgage or change of circumstances can suddenly become more complicated than expected.

Different circumstances, different income, a new job, self-employment, changing lenders or simply not having the right paperwork can all add unexpected bumps along the way.

That’s where having a mortgage broker in your corner can help.

I can’t promise to keep the dog food off the floor… 🙃 But I can help keep your mortgage journey as straightforward as possible.

🤳 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.

29/09/2026

🚨 Self employed and looking for a mortgage soon?! This is important! 🚨

From next week, the majority of lenders will require you to provide your 2025/26 tax documents to verify your income. 🗓️

Your 2023/24 tax documents will be 18 months old which most lenders deem out of date!

If you haven’t don’t your latest return yet, get it submitted sooner rather than later to avoid delays

🤳 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.

04/09/2026

When to get your mortgage rate secured? 🔐(Especially in times of an uncertain market)

🏡 Purchasers/ Home movers - as soon as you have an offer accepted on a property, get straight on to your broker, get your docs over quickly and lock that rate in

💰 Remortgages - start speaking to your broker 7 months before your current rate ends - that gives you a month to discuss your options, get all your documents over and gives the broker plenty of time to package the case ready and submit the application as soon as possible (usually within the 6 month window)!

If interest rates decrease, we can look to switch you on to the lower rates

If they increase and your rate isn’t secured, there is nothing we can do!

Don’t miss out because you’ve been too slow, the market is too unpredictable!

🤳 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.

03/09/2026

As always, got to be on the back to school band wagon 😍

Back to routines, calmness and time to focus 🧘‍♀️

But I miss them like mad all day, when’s half term?! ❤️

30/07/2026

When you're embarking on a journey to purchase your first property, move to a new home, or remortgage an existing one, there are several essential documents you'll need to gather. 🏡

These documents are crucial for the various stages of the process, and ensuring you have them ready can help to streamline the process, making it smoother and less stressful.

1. Proof of Identity: This is a fundamental requirement for any property transaction. You'll need to provide government-issued identification, such as a passport or a driver’s license. 🛂

2. Proof of Address: Lenders and solicitors will require proof of your current address. If you haven't used your driving licence as proof of ID, that is usually the preferred document but this can also be evidenced through recent utility bills, bank statements, or a council tax statement. Ensure these documents are up-to-date, usually within the last three months.

3. 3 months bank statement for all of you bank accounts including savings accounts. 📜

4. Proof of Deposit: For property purchases, you will need to show evidence of the deposit you are putting down. This could be in the form of a bank statement showing the funds in your account. If you’re receiving help from a family member, a gifted deposit letter may also be required.

5. Mortgage Statement- the most recent mortgage statement you have (if you already own your property)

6. Proof of Income: Demonstrating your ability to finance the property or meet mortgage payments is critical. You’ll need to provide recent payslips, usually from the last three if paid monthly, or 13 if paid weekly, or, if you’re self-employed Tax calculations and tax year overviews. 🤑

7. Credit Report: Your credit report gives lenders an overview of your financial behaviour and history. It’s important to review your credit report before applying, to ensure there are no errors or issues that could affect your application. Lenders will typically run their own checks, but being aware of your credit status in advance can help you address any potential problems early on.

📲 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% of the amount borrowed

23/07/2026

We’re a week into summer holidays, the Iran/ USA conflict is ongoing, the prime minister is changing and interest rates are on the up! ⬆️

Summer holidays are a time that most people put things like their mortgage to the back of their mind 💭

But if your mortgage is due within the next 6 months, get your rate secured now! 🎯

If rates reduce, you can switch to a lower rate but you cannot go back to a rate the was available a month ago 🎢

🤳 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.

Address

Southampton

Website

http://www.themortgagequarter.co.uk/

Alerts

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

Contact The Business

Send a message to Lucy Medley Mortgages & Protection:

Want your business to be the top-listed finance company in Southampton?