Hi Cambria, and welcome. Firstly it sounds like Lucy is a very lucky woman to have met you. I live in the UK too.
Re. The delay for HRT, Lucy may be referring to the time from first referral to a GIC by her GP up to having HRT in her hand, which via the NHS could be that long, though might be a bit less. As Dena said there are other legal and safe options, finances allowing, should she wish to move faster. Personally it's been almost 2 years since I first started facing my Trans monster, and it might be closer to three before I start any transition, I have used this time to address both physical issues (weight, hair loss and hair removal), and most importantly, wrapping my head around all my thoughts and feelings, in my case, with a therapist. I wish you both the best of luck together.