Lucy Gulwell James

Lucy Gulwell James

Creating Mortgage Solutions

Minimum mortgage: Any amount

0330 038 8939
Based in Barry
View location

Top Rated 2025
Verified since: May, 2020

5 out of 5

233 reviews


Checks carried out by VouchedFor

  • FCA status: Certified by Firm

    Last checked: 08 March 2025

    Lucy Gulwell is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Lucy Gulwell's status

  • 21

    Recent Client Reviews

    Verified reviews: 100%

    Lucy Gulwell has received 21 client reviews in the past 12 months; 100% of these have been verified

  • Independent Mortgage Adviser

    Last checked: 05 November 2024

    Lucy Gulwell can advise across a wide range of mortgage products in the market. It is important to ask if Lucy Gulwell checks lenders’ direct-only deals.

  • 1

    Qualifications Uploaded

    1 qualification certificate available to view

    Lucy Gulwell has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below

  • Transparent Fees

    Lucy Gulwell has provided information on their typical fees

    Lucy Gulwell has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below

  • 34

    Positive First Impressions

    100% of users who are not yet clients had a positive first experience with Lucy Gulwell

    100% of VouchedFor users have had a positive (4 or 5 star) first experience with Lucy Gulwell (based on 34 first impressions)

Checks carried out by VouchedFor

  • FCA status: Certified by Firm

    Last checked: 08 March 2025

    Lucy Gulwell is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Lucy Gulwell's status

  • 21

    Recent Client Reviews

    Verified reviews: 100%

    Lucy Gulwell has received 21 client reviews in the past 12 months; 100% of these have been verified

  • Independent Mortgage Adviser

    Last checked: 05 November 2024

    Lucy Gulwell can advise across a wide range of mortgage products in the market. It is important to ask if Lucy Gulwell checks lenders’ direct-only deals.

  • 1

    Qualifications Uploaded

    1 qualification certificate available to view

    Lucy Gulwell has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below

  • Transparent Fees

    Lucy Gulwell has provided information on their typical fees

    Lucy Gulwell has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below

  • 34

    Positive First Impressions

    100% of users who are not yet clients had a positive first experience with Lucy Gulwell

    100% of VouchedFor users have had a positive (4 or 5 star) first experience with Lucy Gulwell (based on 34 first impressions)

I offer advice on Mortgages including first time buyers, remortgages, home movers, buy to let property landlords and portfolios and bridging finance. We also offer a restricted panel of providers for Life cover, Critical Illness, Income protection and Buildings and Contents insurance. I also work around my clients and their lifestyle, offering evening, day and weekend appointment from the comfort of their own homes. I am based in Barry and cover Cardiff, the Vale and surrounding areas within in South Wales but as I can work remotely I can cover the whole of the UK. I have worked in the Financial Industry for over 18 years so I have plenty of experience and knowledge within the market. In 2017 I decided that I would go self employed and achieve my goal, which is to help and assisting my local community and surrounding areas achieve their mortgage aspirations by giving the best advice based on their priority and needs. In 2020 in lock down I wanted to create my own branding and this is when Creating Mortgage Solutions was formed, I will never look back. I have been recognised in the whole of the UK and I have made the top 3 for being one of the Best Mortgage Brokers for the Mortgage Introducers Awards in 2019. I have a beautiful daughter Freya, who is my reason why going self employed was important, its having that flexibility and more time with her has always been my goal and I am proud that I can say I have achieved this. I am very much a family person and love spending time with my Fiance Paul, Freya and our little French bulldog Ronnie. Check out my website www.creatingmortgagesolutions.co.uk

£430,000 Consumer Protection

Your money is protected against bad advice by the Financial Ombudsman Service up to a maximum limit of £430k and by the Financial Services Compensation Scheme (FSCS) if the company goes out of business (in which case, limits may vary - see the FSCS website for more details).

About Lucy Gulwell's clients

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Adviser Disclaimer

Lucy's fees will vary from client to client and will be to the individual clients needs and circumstances. Fees start from £595 and are separated into two parts, 1st part for the decision in principle is £195 and then remaining on successful completion of the mortgage. If you would like to have more accurate fee details, please contact Lucy to discuss your circumstances and needs.