Kelly Lush - Advice

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✨ Imagine this email landing in your inbox… ✨The best home journeys rarely happen by accident.They start with a plan. 🏡 ...
04/06/2026

✨ Imagine this email landing in your inbox… ✨

The best home journeys rarely happen by accident.
They start with a plan. 🏡

Do you know what your credit report says about you?Your credit report can play an important role when applying for a m...
03/06/2026



Do you know what your credit report says about you?

Your credit report can play an important role when applying for a mortgage, car finance, credit cards and other borrowing.

I often find people are surprised by what appears on their report - whether that’s old addresses, missed payments, financial links or simply information they didn’t realise lenders could see.

I’ve partnered with because it allows you to view information from Experian, Equifax and TransUnion in one place.

7-day free trial available.
After the trial, membership is £14.99 per month and can be cancelled online at any time.

🔗 Link in my bio.

Downloaded your report and not sure what you’re looking at?

Feel free to send me a message and I’ll happily point you in the right direction.

The people who seem prepared rarely started that way.Most of the time they simply started asking questions sooner.Whethe...
29/05/2026

The people who seem prepared rarely started that way.

Most of the time they simply started asking questions sooner.

Whether it’s buying a home, building savings, reviewing protection or planning for retirement - the first step is usually just understanding your options.

You don’t need all the answers today. Just a place to start.

✨ Sometimes you just need to manifest 💫The home.The peace.The stability.The version of you who finally feels settled.But...
21/05/2026

✨ Sometimes you just need to manifest 💫

The home.
The peace.
The stability.
The version of you who finally feels settled.

But manifestation without a plan is just a dream.

Visualise the life you want… then take the small, consistent steps towards it.

Your future home might be closer than you think. Start with some advice. 🤍

I do have this obsession 🙋‍♀️
20/05/2026

I do have this obsession 🙋‍♀️



LOOKING FOR A LEAFLET DROPPER 📮I’m looking for someone reliable to help deliver leaflets across Bridgwater and surroundi...
19/05/2026

LOOKING FOR A LEAFLET DROPPER 📮

I’m looking for someone reliable to help deliver leaflets across Bridgwater and surrounding areas for Open Vision Finance.

• Flexible work
• Local outdoor role
• Own transport preferred but not essential
• £50 per 1,000 leaflets delivered
• Payment on delivery

This would suit someone looking for flexible extra income alongside other work, studies or family life.

Please message me directly if interested or if you know someone suitable. 😊

Many homeowners are now moving beyond the 5-year interest-free period on their Help to Buy loan and are starting to noti...
15/05/2026

Many homeowners are now moving beyond the 5-year interest-free period on their Help to Buy loan and are starting to notice extra monthly costs appearing.

A lot of people aren’t sure:

• whether to repay the loan
• remortgage and increase borrowing
• keep it in place
• or how the process even works

Every situation is different and the right option depends on your mortgage, property value, future plans and affordability. I can help work out what is best for you. 🫶🏻

If you’re now paying interest on your Help to Buy loan - or want to understand your options before costs increase further - feel free to get in touch.



I had to give myself a minute 🤍Yesterday I had one of those full-circle moments in my career.Back in July 2015, when I w...
18/02/2026

I had to give myself a minute 🤍

Yesterday I had one of those full-circle moments in my career.

Back in July 2015, when I was 24, a couple trusted me with their mortgage.

I remember sitting at their kitchen table.
Stressed. Upset. Embarrassed about their finances.

13–15 years from retirement.
Interest-only mortgage.
Debt spiralling.
In a bit of a pickle, if we’re honest.
No clear plan.

I couldn’t place them with a high street lender at the time, so I found a specialist lender who would give them a chance. It wasn’t the forever solution… it was the stepping stone.

We consolidated.
We stabilised.
We created breathing space.

Two years later, we moved them back to high street.
We built a proper plan.
We talked overpayments.
They followed the strategy.

Every couple of years we’d review.
We’d catch up on cars. On life. On dogs.

I’d normally be greeted by Otis 🐾 and have cuddles before we even started talking numbers. This time I learnt he passed away in July. I didn’t get to say goodbye. It’s funny the little things you associate with long-standing clients.

Over the years they’ve watched me grow too — from a 24-year-old adviser still growing and finding her feet… to the business owner and woman I am today.

Somewhere along the way, I stopped being “their mortgage adviser” and became a trusted, extended part of their circle.

Yesterday was our final review.

They’re nearly mortgage-free.

For the first time in my career, I left an appointment knowing they won’t need me again.

So I sat in my car… and I had to give myself a minute.

Proud.
Grateful.
A little sad.

When they first sat with me, they were overwhelmed.
Now they are confident, in control, and almost mortgage-free.

This job isn’t just about rates.

It’s about long-term strategy.
Behaviour change.
Trust.

And moments like yesterday remind me -
I don’t just do this job.

I belong doing this. 💛

If you’re a landlord, you NEED to be aware of the Renters’ Rights Act 2025.The way landlords let property to tenants in ...
11/02/2026

If you’re a landlord, you NEED to be aware of the Renters’ Rights Act 2025.

The way landlords let property to tenants in England will fundamentally change from 1 May 2026.

There are significant new rules for landlords to understand, and local authorities will have enhanced powers to investigate suspected breaches — including the ability to impose civil penalties of up to £7,000 per breach.

In addition, if a landlord commits one of 13 specific offences, tenants will have the right to apply to the First-tier Tribunal for a rent repayment order of up to two years’ rent.

It is vital that landlords understand what is changing and what will be required of them when the new tenancy regime comes into force on 1 May 2026.

I’ll be sharing more detail in future posts, but in brief, the changes include:
• Changes to tenancy structures
• New rules on how rent is charged
• A compulsory statutory process for rent increases
• Greater tenant rights to challenge rent
• New rules around choosing tenants
• A new process for tenants requesting permission to keep pets

Further changes will also be introduced at a later date.

We also operate a Lettings Management Company (OVPM) and can support landlords in preparing well ahead of May 2026 — particularly around rent reviews and ensuring all paperwork is correctly issued in advance.

I want to make sure all of my landlord clients — both mortgage and property customers — are fully prepared.
If you’d like an appointment to review your rental property or business model, get in touch as soon as possible.

Address

Taunton

Telephone

+447901646159

Website

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