Your trusted, top-rated
mortgage experts.
How can we help you?
Buying a home or remortgaging can feel overwhelming, but you don't have to navigate it alone. As your local mortgage broker, we take the time to understand your circumstances and find mortgage solutions that suit
your needs and budget.
Whether you're a first-time buyer, moving home, remortgaging, or investing in property, we'll compare a wide range of lenders, explain your options in plain English, and guide you through every step of the process.
Our goal is to make securing your mortgage as straightforward, stress-free, and successful as possible.
Our list of services
Buying a new build home is exciting, but tight deadlines can make the process feel stressful. With many developers requiring contracts to be exchanged within 28 days, having the right mortgage advice is essential.
At Creating Mortgage Solutions, we'll help you secure the right mortgage, keep your application on track, and guide you through every step with clear, expert advice. Whether you're a first-time buyer or moving home, we'll make the process as smooth and stress-free as possible.
Fast, reliable mortgage advice to help you
move into your new home with confidence.
Whether your current mortgage deal is ending, you're looking to reduce your monthly payments, or you'd like to release equity from your home, remortgaging could save you money and give you greater financial flexibility.
At Creating Mortgage Solutions, we compare mortgages from a wide range of lenders to find the right deal for your circumstances. From start to finish, we'll provide clear advice, handle the paperwork, and make switching your mortgage simple and stress-free.
Save money, unlock equity, and make
your mortgage work harder for you.
Buying your first home is exciting—but it can also feel overwhelming. That's where we come in.
At Creating Mortgage Solutions, we make the mortgage process simple, giving you clear, honest advice without the jargon. As whole-of-market mortgage brokers, we compare a wide range of lenders to find a mortgage that's right for you—not just what's available from one bank.
From your first questions to getting the keys to your new home, we'll guide you every step of the way, making your journey to homeownership as smooth and stress-free as possible.
Your first home starts here. Let us guide
you home.
Protection Plans.
Your mortgage is one of your biggest commitments, so it's important to protect it. Whether it's life insurance, critical illness cover, or income protection, the right policy can provide peace of mind when you need it most.
At Creating Mortgage Solutions, we'll help you understand your options and recommend protection that's tailored to your needs, your family, and your budget.
Protect your home, your income, and the people who matter most.
Buy To Let.
Whether you're buying your first investment property or growing your portfolio, expert mortgage advice can help you make the right move.
At Creating Mortgage Solutions, we work with a wide range of Buy to Let lenders and understand the different criteria involved, from rental income assessments to limited company applications. We'll help you find the right mortgage for your investment goals and guide you through the process from start to finish.
Build your property portfolio with confidence
and expert support every step of the way.
Please note: Buy to Let mortgages are not usually regulated by the Financial Conduct Authority.
A poor credit history doesn't have to mean the end of your homeownership journey. At Creating Mortgage Solutions, we work with specialist lenders who look beyond your credit score to find mortgage solutions that fit your circumstances.
Whether you've had missed payments, defaults, or CCJs, we'll provide honest advice, explore your options, and help you secure the most suitable mortgage available.
Your past doesn't define your future.
Let's find a mortgage that works for you.
Andrew Joyce
Mortgage & Protection Adviser
Andrew has worked in the mortgage industry for over 20 years and has vast experience of different aspects of the mortgage market. Andrew is an expert in the mortgage market but has additional expertise in the Adverse Credit and Buy To Let market from focusing in the specialist industry so nothing can phase him.
In Andrew’s spare time he loves spending time with his family and catching up with friends. He does enjoy watching sport if the kids ever let him especially now (in his words) he is now to old and unfit to take part in it.
07535027918
Get to know us
Sarah Wilson
Mortgage Administrator
Sarah is the Mortgage Administrator for Creating Mortgage Solutions, she has over 37 years experience within the Financial Services industry. Sarah deals with the processing of all mortgage business from application stage to completion making sure that everything is handled smoothly. She is the real Boss!
Sarah in her own time loves gardening, if she isn't looking after her Grandchildren she will be in her garden making sure its looking colourful.
07765689338
Lucy Gulwell-James
Mortgage & Protection Adviser
Mum of one, Lucy is the founder and Director of Creating Mortgage Solutions. Lucy has over 19 years experience within the Financial Services industry and after making the leap of becoming a self employed Mortgage Broker in 2017, her goal and ambition was to always work around her daughter Freya. You will see that having a healthy work/life balance is her goal, watching Freya grow has been an incredible journey.
If you ever see Lucy on her social media she is very family orientated, enjoys spending time at her local shops, beaches, parks and absolutely LOVES a holiday.
07791786265
" Looking for a mortgage as a first time buyer. Tried doing it myself but just got confused. Rang Lucy and she helped me straight away and explained everything. Lucy and team have been nothing but helpful and thorough with purchasing my first home. Every question got answered and explained no matter how silly it may have seemed. Lucy’s personal touch and easy manner made me feel at ease right the way through the process. Thanks Lucy."
"Lucy thoroughly explored all possible remortgage options for us and provided invaluable guidance throughout the process. In the near future, we plan to extract equity from our mortgage, and she has carefully planned all necessary steps for when we proceed with that remortgage. Her service has been absolutely fantastic—she is always well-prepared, responds promptly to all questions, and ensures we are fully informed at every stage."
Tracey Rogers
"We had a fantastic experience with Lucy & Sarah our mortgage broker from start to finish. They were professional, friendly and always happy to answer any questions we had, making what could have been a stressful process feel much easier and more manageable. Their communication was excellent throughout, keeping us updated every step of the way and explaining everything clearly. They worked incredibly hard to find the best mortgage deal for us and we always felt supported and reassured. We’re so grateful for all their help and wouldn’t hesitate to recommend Lucy & Sarah to anyone looking for a reliable and knowledgeable mortgage broker."