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Clair Oliver - Nicola Kay Mortgage & Protection Specialists

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Clair Oliver - Nicola Kay Mortgage & Protection Specialists

Approved by The Openwork Partnership on 03/08/026 ADV 27814

Nicola Kay Mortgage & Protection Specialists is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

09/09/2026

🏘️First-Time Buyer? Let’s make it happen!! 🔑

Buying your first home can feel like a huge step – but you don’t have to do it alone.
Whether you’re confused by deposits, unsure about credit scores, or baffled by all the mortgage jargon, I am here to make things simple and stress-free.

✅Honest, friendly advice
✅Access to a wide range of lenders
✅Help with the whole process start to finish

If you are ready to take that first step towards owning your own place – or just want to know what’s possible – drop me a message for a no pressure chat 🏘️

📍Based in York, helping first-time buyers across the UK

Let’s get you those keys 🔑

☎️ 07947 796419
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Nicola Kay Mortgage & Protection Specialists is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 13/08/2026

Nicola Kay Mortgage & Protection Specialists is a trading name of Just Mortgages Direct Limited which is an appointed re...

07/09/2026

04/09/2026

✨✨ Client Review ✨✨

Thank you so much for such a lovely review! ❤️ It genuinely means the world to me and is why I love this job 🩷

It was an absolute pleasure helping you through the process, and I’m so pleased I could make things a little easier along the way. There really is no such thing as a silly question, especially when you’re buying your first home! 🏡

Watching you reach the finish line and get the keys to your first home has been so special, and I’m incredibly grateful you trusted me to be part of such an exciting milestone.

Wishing you so many happy memories in your new home! 🥰🔑❤️

01/09/2026

Hello, September 🍂✨

There’s something about the 1st of September that feels like a fresh start…
The summer holidays are winding down, the kids are heading back to school, routines are returning and suddenly the last few months of the year are in sight! 📚☕️

September brings that “right, let’s get organised” feeling - and I LOVE it. ❤️

It’s the perfect time to:
🏡 Start thinking about that move you’ve been putting off
🔑 Finally look at your remortgage options
💷 Review your monthly outgoings and see where you could save
📋 Get your finances in order before Christmas arrives
🛡️ Check that your mortgage and family are properly protected
🎯 Set some new financial goals for the final few months of the year
✨ And maybe even start planning for that dream home you’ve been talking about!

And let’s be honest… September is basically the financial equivalent of a new notebook. 😂

You don’t need to wait until January to make a fresh start.

If there’s something you’ve been meaning to sort out financially, September is a pretty good time to start.

Whether you’re a first-time buyer, moving home, looking at your mortgage options or simply wondering whether your current arrangements are still right for you, I’m always happy to have a chat. 🏡❤️

Here’s to a fresh month, fresh goals and making the most of the final few months of 2026! 🥂

Happy 1st September! 🍂

☎️ 07947 796419
📧 [email protected]

Nicola Kay Mortgage & Protection Specialists is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 17/08/2026

31/08/2026

💭𝐇𝐨𝐰 𝐜𝐚𝐧 𝐰𝐞 𝐡𝐞𝐥𝐩 𝐩𝐫𝐨𝐭𝐞𝐜𝐭 𝐲𝐨𝐮 & 𝐲𝐨𝐮𝐫 𝐟𝐚𝐦𝐢𝐥𝐲? 🤔

Life doesn’t always go to plan, but having the right protection in place means you don’t have to face those unexpected moments alone. 🫶

𝐇𝐞𝐫𝐞’𝐬 𝐡𝐨𝐰 𝐰𝐞 𝐜𝐚𝐧 𝐡𝐞𝐥𝐩 𝐲𝐨𝐮 𝐟𝐞𝐞𝐥 𝐦𝐨𝐫𝐞 𝐬𝐞𝐜𝐮𝐫𝐞:

✅𝐋𝐢𝐟𝐞 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 – so your loved ones are financially protected
✅𝐂𝐫𝐢𝐭𝐢𝐜𝐚𝐥 𝐈𝐥𝐥𝐧𝐞𝐬𝐬 𝐂𝐨𝐯𝐞𝐫 – including cover for children, because family always comes first
✅𝐈𝐧𝐜𝐨𝐦𝐞 𝐏𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧 – helps keep things ticking over if you can’t work due to illness or injury
✅ 𝐀𝐜𝐜𝐢𝐝𝐞𝐧𝐭 & 𝐒𝐢𝐜𝐤𝐧𝐞𝐬𝐬 𝐂𝐨𝐯𝐞𝐫 – support when life takes an unexpected turn
✅𝐁𝐮𝐢𝐥𝐝𝐢𝐧𝐠𝐬 & 𝐂𝐨𝐧𝐭𝐞𝐧𝐭𝐬 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 – protecting your home and everything in it

We’re here to guide you through your options, in a way that makes sense and suits your life.
Contact us today to discuss your options – making it as simple as possible! ⭐
☎️07947 796419
📧 [email protected]

Nicola Kay Mortgage & Protection Specialists is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 13/08/2026

28/08/2026

✨✨ Client Review ✨✨

Thank you so much for such a lovely review! It honestly means the world to me, especially for this amazing couple.🫶🩷

It’s been such a pleasure being part of your journey - from those first conversations about saving for your deposit, all the way through to the very exciting moment you got the keys to your first home! 🏡🔑

Buying your first home can feel like a bit of a minefield, so I’m so pleased I could make the process feel a little less stressful and be there to support, guide and keep things moving along for you.

I’m also so glad I could help with your protection and point you in the direction of solicitors I knew would look after you. 😊

Thank you for putting your trust in me, and for taking the time to share such kind words. I’m genuinely so happy for you both and wish you many happy years in your beautiful first home! 🏡❤️

Congratulations again - and thank you for choosing me to be part of such a special milestone! xx

26/08/2026

🛡️ Protection Myth vs. Fact 🛡️

🔍 Myth:
“Protection is something I’ll look at after I get the keys.”

✅ Fact:
Protection is often set up at the same time as your mortgage, so everything is in place from the start - one less thing to worry about later.

☎️ 07947 796419
📧[email protected]

Nicola Kay Mortgage & Protection Specialists is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 11/02/2026

21/08/2026

❤️ Let’s talk Life Insurance & your mortgage…

Buying a home is one of the biggest commitments you’ll ever make. But here’s something a lot of people don’t think about… what happens to that mortgage if the worst were to happen?

That’s where Life Insurance comes in.

👉 It’s designed to pay off your mortgage (or help your loved ones cover it) if you were no longer here.
👉 It gives peace of mind that your family won’t be left struggling to keep the roof over their heads.
👉 It’s usually much more affordable than people expect.

Think of it this way: we insure our cars, our phones, even our pets 🐾 … so why wouldn’t we protect the home we’ve worked so hard for, and the family living in it?
Having the right cover in place means your loved ones keep the security of your home, no matter what.

🏡💜 If you’d like to chat through your options or check what protection you’ve already got, just drop me a message - I’m here to help.

☎ 07947 796419
📧[email protected]

Nicola Kay Mortgage & Protection Specialists is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 06/10/2025

Address

York

Opening Hours

Monday	8am - 10pm
Tuesday	8am - 10pm
Wednesday	8am - 10pm
Thursday	8am - 10pm
Friday	8am - 6pm

Telephone

+447947796419

Website

facebook.com

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