0330 038 8942
Based in Crawley
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FCA status: Certified by Firm
Lucy is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Lucy's status
Last checked: 15 December 2025
Lucy is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Lucy's status
30
Recent Client Reviews
Lucy has received 30 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Lucy has received 30 client reviews in the past 12 months; 100% of these have been verified
Limited Mortgage Adviser
Lucy can advise across a limited set of mortgage products, which may be provided by companies Lucy works with. This limitation may allow Lucy to offer an improved service quality and lower fees, but it’s important you understand how these products compare with others available.
Last checked: 06 October 2025
Lucy can advise across a limited set of mortgage products, which may be provided by companies Lucy works with. This limitation may allow Lucy to offer an improved service quality and lower fees, but it’s important you understand how these products compare with others available.
4
Qualifications Uploaded
Lucy has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
4 qualification certificates available to view
Lucy has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Lucy has not yet added their fees to their profile
Fees not yet added
Lucy has not yet added their fees to their profile
18
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Lucy (based on 18 first impressions)
100% of users who are not yet clients had a positive first experience with Lucy
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Lucy (based on 18 first impressions)
Heart and Home Mortgages is a trading name of Just Mortgages Direct Limited. With a background of over 20 years experience in Financial Services. I offer all of my clients a totally personalised and professional service in aspects of their mortgage. Whether it be full involvement in the purchase of a new property (including negotiating on purchase prices, dealing with chains, dealing with solicitors etc.)* Or re-mortgaging your property and/or raising funds for any legal purpose. I will be your only point of contact throughout the process. *The services promoted here are not part of the Openwork offering and are offered in our own right. Openwork Limited accept no responsibility for this aspect of our business. These services are not regulated by the Financial Conduct Authority. Approved by The Openwork Partnership on 08.10.2025 Just Mortgages Direct Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. Registered Address: Colwyn House, Sheepen Place, Colchester, Essex, CO3 3LD Registered in England No. 2412345 YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE Most buy to let mortgages are not regulated by The Financial Conduct Authority A lifetime mortgage is not suitable for everyone, and it is important to seek financial advice before taking any action. All other options available should be explored before choosing equity release. Interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home potentially to nothing. Please discuss with your family and beneficiaries.