Lucia Knott Cemap Mortgage and Protection advisor

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.

15/06/2026

What a weekend! 🤩
I'm still on a high from it 😂

I love music, like actual instruments, not just bass

I love the history surrounding the Royal Albert Hall

I love London

Put all of them together and WOW 😍 I nearly cried when the organ started playing, I'd waited YEARS to hear that one! It was sheer delight and happiness: that's my giggle you can hear 🤭

Sadly it wasn't Anna Lapwood , I'll see her one day! Another bucket list goal 😂

Does anyone else have bucket lists? Are they still a thing? 🤔

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Costs are tough enough as it is, don't be wasting your hard earned money on a mortgage that isn't right for you! Interes...
10/06/2026

Costs are tough enough as it is, don't be wasting your hard earned money on a mortgage that isn't right for you!

Interest rates are...interesting enough, but they often come with fees such as:

👉🏼 Product / Arrangement fees

👉🏼 Valuation fees

👉🏼 Exit fees

👉🏼 Early repayment charges

👉🏼 Cashback (bonus!)

The wrong mortgage could cost you FOUR of those 🫣

The one rule in life is: if it's TOO cheap, think why! The same applies to mortgage rates 👍🏼

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🥰 Ahh, the photos were amazingGreat location.Big enough.Plenty of potential.But once I got there...😳There was a rotten s...
09/06/2026

🥰 Ahh, the photos were amazing

Great location.

Big enough.

Plenty of potential.

But once I got there...

😳

There was a rotten smell.

A few obvious red flags.

The lights were on, but nobody was home.

Needed more work than I was led to believe.

And apparently several other people were interested.

Didn't even make it to looking at properties 🙄

If only there were surveys done for humans 🤔🤣

Luckily, there are for houses! 🙏🏼
Ashton Lee Surveyors

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"YOLO" That's what I hear from a lot of people before they apply for a mortgage.Then I see:£38,000 of car finance.Credit...
08/06/2026

"YOLO"

That's what I hear from a lot of people before they apply for a mortgage.

Then I see:

£38,000 of car finance.

Credit cards close to their limits (or maxed out)

A few missed payments.

A 5% deposit scraped together at the last minute.

And affordability that's taken a hammering 🫣

This isn't a post about not enjoying life 😃

Go on holiday. Buy nice things. Make memories!

👉🏼 Just remember that lenders are looking at the financial story you've written over the last few years.

Sometimes that story says, "Great fun!"

But not quite, "Ready for a mortgage."

If homeownership is on your list of goals, it's worth making sure your spending habits are helping you get there, not holding you back 👏🏼

Call me boring, but I've always disliked the YOLO motto 🙈 You live every day, you only die once 🤔😂

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I thought I'd try overnight space buns 🫣1st pic was the unwinding: the curls were TIGHT (and matted after I tried to run...
06/06/2026

I thought I'd try overnight space buns 🫣

1st pic was the unwinding: the curls were TIGHT (and matted after I tried to run my fingers through) 😳

2nd pic is after I managed to get a brush through it (after just clipping it up all day) 😱
The photo doesn't show just how big and fluffy my hair went!

That's the last time I try to be cute! 😭

Bloody insta tutorials 🫩

🤣
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🎉 Massive congratulations to our very own superstar on achieving her CAS (Competent Adviser Status)! 🎉What a few weeks i...
05/06/2026

🎉 Massive congratulations to our very own superstar on achieving her CAS (Competent Adviser Status)! 🎉

What a few weeks it's been...

✅ Turned the big 4-0
✅ Enjoyed a well-earned holiday in Madeira
✅ Now officially received the news she's worked so hard for!

We're not saying life begins at 40, but the timing seems pretty convincing! 😄

We've seen first-hand the dedication, hard work, and commitment she's put into reaching this milestone. It's thoroughly deserved and we're incredibly proud of her.

Congratulations Paulina Olkiewicz Mortgage & Protection Adviser 🍾

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You wouldn't guess this was a work meeting 😂One of us has a higher cholesterol One of us has put on 2lbsBut when Haylees...
05/06/2026

You wouldn't guess this was a work meeting 😂

One of us has a higher cholesterol
One of us has put on 2lbs

But when Haylees Tea Room puts aside a slice of their new banana cake for you, it would be rude not to!

Sod it, it's Friday 😎 👏🏼

- Do as we say, not as we do 🤣👍🏼

Paying off a credit card, loan, or mortgage can sometimes cause a temporary drop in your credit score because there is n...
01/06/2026

Paying off a credit card, loan, or mortgage can sometimes cause a temporary drop in your credit score because there is now less evidence of your ongoing credit management.

The credit agencies want to see a track record of you borrowing and repaying responsibly over time. When an account is paid off and closed, one source of that evidence disappears.

It's one of those frustrating moments where doing the right thing doesn't immediately get you a gold star. ⭐

The good news? A small drop after paying off debt is temporary and doesn't mean you've damaged your financial health. In fact, reducing what you owe is usually a positive step in the long run 😊

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28/05/2026

Porting is when you 'move' your current mortgage/ product with you to another property. This is typically done when you're still in a fixed rate and need to avoid any ERCs (early repayment charges).

If the property you like is worth more than yours?
Then we can look at doing something called 'further borrowing', also known as 'additional borrowing' alongside your ported amount.

How do you know if your mortgage is portable?
Your mortgage illustration will show a portability section, there it will state if it's doable...or not 😬

Feel free to send us your mortgage documents and we can see if it's an option for you 😊

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(Subject to affordability and eligibility. The new rate for additional borrowing will differ from your current rate. ERCs may not be payable at all, or the lender may request for them to be paid but be refunded back to you. Your home may be repossessed if you do not keep up the repayments secured against it).

I had a conversation with my daughters grandparents and great Nan yesterday about property prices 40-60+ years ago 🫣Her ...
22/05/2026

I had a conversation with my daughters grandparents and great Nan yesterday about property prices 40-60+ years ago 🫣

Her grandparents bought their current property in 1984, and it was;
£31,000
They put down £2000 for the deposit 😲
£2000 now will just about cover legal fees to buy...

Her great Nan purchased her current home in 1959, and it was:
£1,800
She had to put down £5 for the deposit 🤯
£5 now won't even get you a medium coffee on your way to view a property 😂

Now- purchase price of £380,000 (average in my area), you would need to put down around £38,000 / £19,000 (10% / 5% deposit).

Bear in mind that wages were very low back then so £5 was hard to save for some, and £2000 in the 80s was not an amount one would carry around in their back pocket either 🙈

But how times have changed!

Ask your parents / grandparents what they paid and when, and let us know in the comments 👇🏼🤭

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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

Website

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