If Lock screen setting has password and narrator on.. then here are the steps to deal with it
1. Turn off and on your phone
2. The lock screen should open up with the keypad to type password. If it doesn't come up, and if your phone goes unresponsive, do Step1.
3. Select Enter you password (Not sure if you've to double tap it)
4. Select the number, double tap it. Watch an asterisk being placed. Repeat this step until your password is correct
5. Now you can either continue with narrator (I know you dont!!) or use Cortana to turn it off. I used Cortana, but there are other ways too.
Thats it...! It took me a long time to figure this out. Enjoy!