Clair Oliver - Nicola Kay Mortgage & Protection Specialists

Clair Oliver - Nicola Kay Mortgage & Protection Specialists Approved by The Openwork Partnership on 28/04/2026 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.

🫶🫶 Maddie’s Final Day of School 🫶🫶I honestly don’t know where the time has gone or how this day has come around so quick...
15/06/2026

🫶🫶 Maddie’s Final Day of School 🫶🫶

I honestly don’t know where the time has gone or how this day has come around so quickly!

Today, my baby girl finished her final exam and officially closes the chapter on her school years. 💜

Maddie, I am beyond proud of you. You are one of the most determined, resilient and kind-hearted people I know. No matter what life throws at you, you always face it with strength, compassion and a smile.

Never lose those qualities, because they make you the incredible young lady you are today. 🩷

Whatever your results may be, they will never define you. I already know you are going to shine at college and continue to grow into the amazing young woman we know and love.

So here’s to the end of one chapter and the beginning of an exciting new adventure. The future is yours, and I can’t wait to see where it takes you.

Although, if I’m being completely honest... it’s also a reminder that you’ve officially made me feel REALLY OLD!! 😂🎓✨

We love you, Mad, and we couldn’t be prouder. 🫶💜🩷

🗨️Is your family truly protected should the worst happen?None of us like to think about illness, injury or the unthinkab...
15/06/2026

🗨️Is your family truly protected should the worst happen?

None of us like to think about illness, injury or the unthinkable…… but planning ahead means peace of mind today 💙

If life took an unexpected turn - would your loved ones be financially secure?
Would the mortgage still be paid?
Would everyday bills be covered?

🛡️Here are some options that could make all the difference:

✅Income Protection – pays an income after a deferred period if you are off work with a specified illness or injury
✅Critical Illness Cover – Pays out a lump sum if you are diagnosed with a specified serious illness
✅Life Insurance – Protects your families future should the worst happen
✅Family income benefit - Provides a regular income to your family if you pass away

These policies can be more affordable than you think and tailored to fit your family's needs. 💷👨‍👩‍👧‍👦

Get in touch if you would like to chat through any of these options.
Let’s make sure your family is protected, come what may.

☎️ 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 26/06/2025

🥰🥰🥰There’s nothing quite like finishing work and getting a knock at the door from your clients, who surprise you with su...
12/06/2026

🥰🥰🥰

There’s nothing quite like finishing work and getting a knock at the door from your clients, who surprise you with such a thoughtful gift 🎁

A huge thank you to my wonderful first-time buyer clients 🥰🩷

Being part of someone’s journey to owning their first home is such a privilege, and seeing their dreams become a reality is one of the most rewarding parts of what I do 🏡✨

Thank you for your kindness and for allowing me to be part of such a special chapter in your lives 💕

🌟 Mortgage Myth vs. Fact 🌟🔍 Myth:“You can’t get a mortgage if you’re self-employed.”✅ Fact:Self-employed borrowers have ...
12/06/2026

🌟 Mortgage Myth vs. Fact 🌟

🔍 Myth:
“You can’t get a mortgage if you’re self-employed.”

✅ Fact:
Self-employed borrowers have lots of options. Many lenders will accept different types of income - it’s all about presenting it properly.

☎️ 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 10/02/2026

✅ Step 3: Decision in Principle (DIP)Before you start house hunting, we get a Decision in Principle in place.This means:...
10/06/2026

✅ Step 3: Decision in Principle (DIP)

Before you start house hunting, we get a Decision in Principle in place.
This means:

✔️ You know exactly what you can afford
✔️ Estate agents take you seriously
✔️ You can view houses with confidence

House hunting is a lot more enjoyable when you know you’re ready 🏡✨

☎️ 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 06/02/2026

⭐⭐⭐ Why use a mortgage Broker over your bank ⭐⭐⭐If you are thinking about buying your first home or remortgaging, you mi...
08/06/2026

⭐⭐⭐ Why use a mortgage Broker over your bank ⭐⭐⭐

If you are thinking about buying your first home or remortgaging, you might be wondering – “Why should I use a mortgage broker instead of just going to my bank?”

Here is why working with a broker (like me) can make all the difference:

🏘️ More choice - Banks only offer their own products, but as a broker I have access to a wide panel of lenders – including some exclusive deals that you won’t find on the high street.
📉Tailored advice - I take the time to understand your situation and find the most suitable mortgage for you, not just the first one that fits.
🕒Saves you time – No need to book multiple appointments with different banks, I do the legwork so that you don’t have to.
💡Support and Guidance – Whether you are a first-time buyer or remortgaging, I’ll explain everything clearly and guide you through the whole process.
☑️Problem solving - Self-employed? Poor Credit? Complex income? I work with lenders who are open to different circumstances. Using a broker can make things smoother, quicker, and often cheaper in the long run.
📉Mortgage interest rates lowered – Your bank won’t tell you that they have lowered the rate on the mortgage product you have applied for – But I will - and I will make sure that before you complete, you have secured the lowest rate that I have available.
📲If your curious how I can help, just drop me a message – No pressure, just honest advice!

☎️ 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 26/06/2025

✨✨ Client Review ✨✨The reason I love my job 🫶Buying your first home is one of the biggest milestones in life, but it can...
05/06/2026

✨✨ Client Review ✨✨

The reason I love my job 🫶

Buying your first home is one of the biggest milestones in life, but it can also feel overwhelming when you're faced with so many mortgage options, lenders and decisions.

Rachel & Callum were first-time buyers taking the exciting step onto the property ladder. From exploring their mortgage options right through to completion, I was there to guide them through the process, answer their questions and help make everything as straightforward as possible.

Now they've officially completed and are settling into their new home 🏡💜

Thank you for trusting me to be part of your journey. Helping clients achieve their homeownership goals is the most rewarding part of what I do.

Rachel & Callum, I wish you both many happy years and wonderful memories in your new home 💜✨

📊 Step 2: Understanding your optionsNot all mortgages are the same - and what suits one person might be totally wrong fo...
03/06/2026

📊 Step 2: Understanding your options

Not all mortgages are the same - and what suits one person might be totally wrong for another.

I search our extensive panel of lenders to find a mortgage that works for you, not just what’s easiest or most obvious.

It’s about the right deal, the right term, and the right fit for your life - now and in the future.

☎️ 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 09/02/2026

✨ FIRST TIME BUYERS… this could be your sign to stop renting and start owning! 🔑💫We are working with a lender that you m...
01/06/2026

✨ FIRST TIME BUYERS… this could be your sign to stop renting and start owning! 🔑💫

We are working with a lender that you may only need a £5,000 deposit to get onto the property ladder 🏠🚪

✅ Lower upfront deposit
✅ A potential route into homeownership sooner
✅ Ideal for many first-time buyers struggling to save larger deposits 💷

If you’ve been waiting for the “right time” to explore your options, now could be the perfect opportunity to see what’s possible 👀📲

Please contact me to arrange an appointment to check your eligibility and talk through your options 👇

👩‍💼 Clair Oliver
📞 07947 796419
📧 [email protected]✨

Find out:
✔️ How much you could borrow
✔️ What your monthly payments may look like
✔️ Whether this scheme could work for you

Your first home might be closer than you think 🏡

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 19/05/2026

Hello June 🌿☀️A new month, a fresh start, and so much to look forward to.June brings lighter evenings, warmer days, fami...
01/06/2026

Hello June 🌿☀️

A new month, a fresh start, and so much to look forward to.

June brings lighter evenings, warmer days, family BBQs, holidays being booked, school events, and that feeling that summer is finally on its way.

One of my favourite things about this time of year is simply the warmer weather and spending more quality time with family 💛 Those little moments together always mean the most.

Whatever this month holds for you, I hope it’s filled with happiness, progress, sunshine, and plenty of moments that make you smile ☀️

Here’s to a brilliant June ahead 💛

Address

York

Opening Hours

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

Telephone

+447947796419

Website

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