financial adviser

Lucy Ellam

Hi, I’m Lucy — a friendly, dedicated Mortgage Adviser committed to helping first-time buyers, home movers, and those looking to remortgage find the right solutions tailored to their individual needs.

Alongside mortgages, I provide expert guidance on Life Insurance, Critical Illness Cover, Home Insurance, and Income Protection, helping ensure you and your loved ones are financially protected whatever life may bring. Whether you’re taking your first step onto the property ladder or planning for the future, I’m here to support you every step of the way.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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A mortgage broker compares deals from a wide range of lenders to help find a mortgage that suits your circumstances, potentially saving you time, money, and stress.

Yes, we regularly help first-time buyers understand the mortgage process, work out affordability, and secure competitive mortgage deals.

In most cases, using a mortgage adviser doesn't cost you anything extra. They get paid a commission by the lender when you take out a mortgage.

However, for more complex situations, some mortgage advisers may charge a fee. This will be explained clearly before we start working together

Absolutely. We can help self-employed applicants, company directors, contractors, and freelancers find lenders that understand complex income structures.

Typically, you’ll need proof of ID, proof of address, income documents, bank statements, and details of your expenses and financial commitments.

This depends on the type of mortgage and level of service required. Your adviser will clearly explain any fees before you proceed.

We wont charge you any broker fees if you are employed by the NHS clients. Zero fees, same great service.

lucy ellam
Contact

07824 497 849

Services

Mortgage Advice | Protection Advice

Email

lucy.ellam@ghldirect.co.uk

Book your call with Lucy
3 simple steps

How to get financial advice

Pick a time

30 seconds is all it takes to schedule your call with Lucy Ellam from GHL Direct

STEP 1

We'll call you

No pressure, just a friendly chat to explore your mortgage and protection options

STEP 2

And stay with you

We'll handle the product searches, submit the application, and everything in between.

STEP 3

Advice whenever you need it

Get expert financial advice, from 8am - 8pm Monday to Friday & 9am - 6:30pm on Saturday & Sunday.

Book your call

However you want

Get your call via phone, video call or face to face

Find a mortgage

Mortgage Broker Newcastle

I am based in Cramlington near Newcastle, but offer financial advice across England via telephone or video call.

07824 497 849

Call me today or visit our live appointment booking page to find a time that is convenient for you.

lucy.ellam@ghldirect.co.uk

Feel free to email me direct for any mortgage or insurance enquiries.

YOUR HOME OR 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