0330 038 8939
Based in Barry
View locationTop Rated 2025
Top Rated advisers have met the qualification criteria for VouchedFor's Top Rated Guide, as determined by their client feedback
Verified since: May, 2020
5 out of 5
Checks carried out by VouchedFor
FCA status: Certified by Firm
Lucy Gulwell is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Lucy Gulwell's status
Last checked: 08 November 2025
Lucy Gulwell is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Lucy Gulwell's status
33
Recent Client Reviews
Lucy Gulwell has received 33 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Lucy Gulwell has received 33 client reviews in the past 12 months; 100% of these have been verified
Independent Mortgage Adviser
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.
Last checked: 04 November 2025
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
Lucy Gulwell has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
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 added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
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
35
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Lucy Gulwell (based on 35 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 35 first impressions)
Hi, I’m Lucy – founder of Creating Mortgage Solutions. I offer tailored advice on all types of mortgages, including: First-Time Buyers Remortgages Home Movers Buy-to-Let & Portfolio Landlords Bridging Finance In addition, I work with a restricted panel of providers to offer protection products such as: Life Cover Critical Illness Cover Income Protection Buildings & Contents Insurance With over 18 years of experience in the Financial Services industry, I bring a wealth of knowledge and expertise to every client relationship. In 2017, I made the leap to become self-employed with a clear mission: ➡️ To help people in my local community and beyond achieve their mortgage goals with honest, friendly, and personalised advice. During lockdown in 2020, I launched my own brand — Creating Mortgage Solutions — and haven’t looked back since. I'm proud to have been recognised nationally, making the Top 3 Mortgage Brokers in the UK at the Mortgage Introducer Awards 2019. Based in Barry, I cover Cardiff, the Vale of Glamorgan, and all surrounding areas in South Wales. Thanks to remote working, I can also support clients across the UK — all from the comfort of your own home. I offer flexible appointments during the day, evenings, and weekends to suit your lifestyle. Most importantly, I’m a proud mum to my beautiful daughter Freya — the reason behind everything I do. Going self-employed allowed me to create a better work-life balance and spend more time with my family, including my fiancé Paul and our French Bulldog, Ronnie. Visit: www.creatingmortgagesolutions.co.uk