Lucia Knott Cemap Mortgage and Protection advisor

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Lucia Knott Cemap Mortgage and Protection advisor A jolly 5* Independent adviser for mortgages, personal protection cover and general insurance.

I can also refer you to a selected list of trusted solicitors on our panel, for Wills (Estate planning) & Equity release.

05/11/2026

Today, the BoE Monetary Policy Committee announced a 0.25% rise to the base rate.

What does this mean for mortgages?

If you have a fixed rate, nothing will change.

If you are on a tracker or variable rate, you may see your repayments change soon.

Such uncertain times we're in right now- I've never been asked about tracker rates as much as I have been lately 🫣

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Look at these goodies I received from the lovely Jay at Bells Bakery Studio for doing her mortgage recently 😍Who knew a ...
04/11/2026

Look at these goodies I received from the lovely Jay at Bells Bakery Studio for doing her mortgage recently 😍

Who knew a product transfer could taste so good 😉

My daughter ripped open the bag with such haste when she saw there was a cherry Bakewell slice in it 👀😅

Jay bakes these fresh treats locally in the Bournemouth Park area: if you haven't ordered from her yet, definitely give her a go!

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03/11/2026

No bull...let's talk affordability and mortgages! 🏡

If you're a first time buyer, you may feel the steaks are high when applying for your first mortgage and that everything is udderly confusing- this is normal! Essentially though, all you have to do is supply us with your documents and find a property...that's it, we do the rest 😃

It's our job to milk everything from your payslips to accurately assess your affordability- including bonus, commission and over fenc-time...overtime...

Got a bit of adverse? Little to no deposit? Renting is stopping you from saving? Understandably, this can lower the moo-d, but don't let it stop you from your homeownership goal- there are lenders now who also understand the predicament and it's our job to go through the criteria and find one that patch- matches...your needs 🤗

So don't let your options graze past you, speak to us first 😃

I'm not gonna lie, this POST took me ages to do and I really had to rack my brain for cow related words 🤣 but it was fun!

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(Your home may be repossessed if you do not keep up the repayments secured against it).

Photo taken from Haylees tea room in Southchurch, Southend 🙏🏼It did well last year, but let's see if we can do even bett...
02/11/2026

Photo taken from Haylees tea room in Southchurch, Southend 🙏🏼

It did well last year, but let's see if we can do even better this year 😃👌🏼

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I've just removed AI from both my phones, the laptop and Microsoft copilot 🫣😅Can it be helpful?YesIs it shoved in our fa...
02/11/2026

I've just removed AI from both my phones, the laptop and Microsoft copilot 🫣😅

Can it be helpful?
Yes

Is it shoved in our faces all day, every day?
Yes! 🫠

Maybe I'm old school, but I still like to learn things by reading books, articles, forums and store/ use that knowledge going forward, not asking AI a question with 50/50 odds that it's correct 🙈

In time, I'll adapt I'm sure: I remember when we went from Ask Jeeves to Google...it took us a while but now we couldn't do without it 🤣 But then Google wasn't everywhere and didn't constantly pop up when trying to save a document 😶
Even as I'm writing this, the radio is talking about BT AI! Don't get me started on "Emma" when trying to get through to the GP 😮‍💨...

Other than... unique...posters on social media, has anyone actually found a good use for it yet? 🤔
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31/10/2026

🎃 Happy Halloween! 👻

I don't think I can watch haunted house movies the same way now 🙈

If there's a door swinging- "Subsidence!"

If there's liquid coming down the walls- "Condensation!"

A shadow moving behind the character- "A large badger!"

A light swinging from the ceiling- "There's a draft! Might need new windows mate"...

🤣
What's your favourite haunted house film? Mine is Woman in Black 👻🖤 I swear the more I watch it, the more I notice stuff happening in the background 🫣

(Made with my own creativity and Canva, which is now apparently AI 😭)

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22/10/2026

And here's your kick up the backside to do it...

Sticking your head in the sand right now could be costing you £££s 🙈

So, what I'd be doing if I were you (not as an adviser, but just as someone with a mortgage...):

👍🏼 If I can, I'd make a lump sum payment to bring down the capital owed. Less capital, less interest

👍🏼 I'd be going through my finances: credit cards, loans, subscriptions- are you able to reduce them at all? Going from 2.3% to over 5% may come with higher repayments, you don't want to be stretching yourself thin each month 😬

👍🏼 I'd be speaking with a broker to lay out my options now and fix in a darn rate: even if rates reduce in the next 5-6 months, I know we've caught it early enough to make changes and apply for a cheaper rate- and if rates increase in the meantime, I'll be glad I fixed in now! 🙏🏼

🙈 I WOULDN'T be leaving it until the last minute and run the risk of rolling onto the lenders SVR: trust me, those numbers are uglier than fixed rates right now 🫣

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(Your home may be repossessed if you do not keep up the repayments secured against it).

How is it Thursday already?! 🫣 I feel like just yesterday I was at this event (it was Monday!) 🙈I had a wicked time at t...
15/10/2026

How is it Thursday already?! 🫣

I feel like just yesterday I was at this event (it was Monday!) 🙈

I had a wicked time at the L&G building, and found the talks incredibly interesting.

This day was for us ladies in mortgages, and how the profession/industry can really effect our mental health at times.

There were a few conversations that sparked my curiosity;
⭐ Breath work. Blooming heck do we need it 😮‍💨 Not just this role, but women everywhere have become the default parent, cleaner, PA, cook, worker, counselor/therapist, the list goes on!

⭐ ADHD/ quirks. The lady listed her symptoms and me and another adviser looked at each other and said "that's us! Sh...are we...?🤔" 🤣

⭐ Learning that we're not alone on our bad days. Worked 40 hours that week and not been paid a penny? That's the risk with self employed, we're not alone. Had a client moan at us because lenders have increased rates again but we've reminded them numerous times to send in their documents- we're not alone. Client threatens a complaint because the lender declined the app....because they failed to disclose a relevant piece of information to us- we're not alone 🫠

It was enlightening, humourous, but best of all, comforting ☺️

Mental health is wavy in all professions, but just know that YOU'RE NOT ALONE 🫶🏼 It's more brave to speak to someone about it, than to hold it in (a problem shared is a problem halved, as it goes!)

Thanks to April Mortgages for the cute little orange bag of goodies, and to Legal & General for having us 🙏🏼 My daughter has taken the bag already and eating the Terry's chocolate orange 🤭

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On my way to London for the Women in Mortgages event 😃🚝And I'm wearing foundation for the first time in 2 years 🫣😅 This ...
12/10/2026

On my way to London for the Women in Mortgages event 😃🚝

And I'm wearing foundation for the first time in 2 years 🫣😅
This is a new one, IRL- Revolution in F4 (because I'm a pale specimen)

I even applied hairspray in the hopes that the top of my hair stays flat...
Nope, one step outside and I could feel it all spring back into it's wavy place 🫠

I have a 14min walk to do once I'm off in London, by the time I get to the premises I'll be strolling in as an electrocuted Marv ⚡ (if you know...🤭)

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11/10/2026

Almost didn't make it due to a flat car battery, but I got it going again 🙏🏼😂

Just had a wonderfully relaxing browse around Scott's of Southend Garden Centre , who now have a permanent farmers market inside! As much as I wanted to buy all the Halloween stock, I ended up coming away with:

500g caramelised red onion sausages
500g pork and leek sausages
300g jerk chicken
Pack of savaloy sausages
Pistachio and white choc cookie
Honey mustard and pork sausage roll
Cheese and marmite sausage roll
Halloween chocolate muffins

And not forgetting the new items from Diddly Squat Farm Shop !
Hawkstone c***r
Sausage and mustard crisps

TOTAL= 28 😃

It is a little dearer, but we supported THREE businesses just by popping into one store this morning ☺️

I can't wait for my jerk chicken and rice, and sausage and mash this week 👌🏼😂

Have you been yet?!
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Address

Bircham Road
Southend-on-Sea
SS25FY

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 1pm

Telephone

+447834598926

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