The Mortgage Mum Podcast: Recent Episodes
Sarah Tucker
The Mortgage Mum Podcast.... where we believe mortgages are about more than just money.
This podcast features helpful mortgage tips and advice, interviews with inspiring people inside and outside of the financial services industry and tools to help you achieve balance in every area of your life.
We will demystify mortgages, and you will learn about the law of attraction, money mindset, my experience on The Voice UK and so much more.
47 tabs open. Voice-noting while making dinner. Replying to emails on the school run. Sound familiar?
In this episode of M's The Word, we're tackling multitasking — the habit so many of us wear as a badge of honour, but one that might be costing us more than we realise.
Plenty of us proudly call ourselves multitaskers, certain that doing several things at once makes us more productive. But the science tells a different story: while our brains can handle simple, automatic actions at the same time, they aren't built to focus on more than one attention-heavy task at once.
So why do we keep doing it? Is this really how we want to live, and more importantly, is it what we want to teach our children?
We dig into why multitasking has become the norm (especially for busy mums), what's actually happening in our brains when we juggle tasks, the pressure to do it all, and whether there's a better way.
So, which are you - a proud multitasker or a one-job-at-a-time triumph? We'd love to hear from you.
Enjoyed this episode? Follow M's The Word wherever you get your podcasts, and leave us a rating and review - it really helps others find the show.
Do you feel guilty when you prioritise joy? If it doesn't fall into the category of productivity or making money, does it get relegated in your head? Somewhere between responsibility, motherhood and bills, so many of us stopped making time for the things that light us up.
In this episode of M's The Word, Sarah Tucker is joined by Jade, Gemma and Shelley to talk about Muse Medicine — the creative, playful, "just because" moments that bring you back to yourself.
The goals, the ambitions and the masterplans are all valid, and as ambitious, driven women we cherish the choice to pursue them. But life is lived in the moments in between, and sometimes you need a little muse medicine to smooth out your edges. When you aren't measuring or judging your contribution, you're simply present — doing something that lights you up.
In this episode we discuss:
- Why joy so often gets relegated behind productivity and profit
- The guilt that comes with doing something "just because"
- How motherhood, responsibility and bills changed our relationship with play
- Finding your way back to the things that make you feel creative and lit up
So tell us, what's your muse medicine?
Connect with us: Instagram: @the_mortgagemum Website: www.themortgagemum.co.uk
In this episode of On The Ladder, our exclusive series for first-time buyers, we're talking about one of the most overlooked steps in the home-buying process: the survey. It might feel like an extra cost you don't need, but a survey can reveal hidden issues like structural damage, damp, and subsidence before you commit to buying. Skip it, and you could be signing up for expensive surprises down the line. Watch to find out what surveyors actually check for, the different types of surveys available, and why this step could save you thousands as a first-time buyer.
🪜 New episodes of On The Ladder every month, subscribe so you don't miss out!
Could your child BUY a home instead of renting at university? In this episode of On the Ladder, we're exploring the Buy for University mortgage from Loughborough Building Society, and it could be a game-changer for students and their families. With tuition fees at £9,535 a year and average student rent now around £563 a month, so many parents are asking: is there a smarter way? A Buy for University mortgage allows a student to buy a property near their uni, live in one room, and rent the spare rooms to fellow students, often helping to cover the mortgage payments along the way. In this episode, we cover:
✅ What a Buy for University mortgage actually is, and how it works
✅ Who can apply, and the property restrictions to know about (max 3 bedrooms)
✅ How renting rooms to other students can help cover the costs
✅ Whether it could be the right step for your family
On the Ladder is our exclusive series for first-time buyers, created by Sarah Tucker, founder of The Mortgage Mum, here to hold your hand through every step of your home-buying journey. If you found this helpful, don't forget to like, subscribe and share with someone who needs to see it, and if you have any questions, pop them in the comments.
Find out more: https://www.theloughborough.co.uk/
This June, for Men's Mental Health Month, we're doing something different. In our very first guest episode, we were honoured to be joined by Paul Adams of Pepper Money, a man who spoke with extraordinary courage about his personal experience with alcohol dependency and the road to recovery.
Ahead of Father's Day, this felt like exactly the conversation we needed to have.
Because the reality is, the numbers don't lie:
- 3 in 4 suicides in the UK are male
- Men are 3x more likely to die by suicide than women
- 5,717 people lost their lives to suicide in the UK in 2024
Men are conditioned to keep going. Keep providing. Keep it together. But that silence has a cost, and it's one too many families are paying. This episode is a step toward changing that.
Whether you're a man who's been keeping it all in, or someone who loves one, this conversation is for you. WATCH THE FULL CONVERSATION • M's The Word | E12 Memory Making: How to ...
📣 If you or someone you know needs support:
🟢 Samaritans – 116 123 (free, 24/7)
🔵 CALM – 0800 58 58 58
🟠 ANDYSMANCLUB – andysmanclub.co.uk
Summer is wonderful, and overwhelming. With children getting around 70 weekdays off school a year and 30 of those falling in the summer alone, working parents face a logistical puzzle that never quite solves itself neatly.
In this episode of M's The Word, host Sarah Tucker is joined by Gemma, Jade & Shelley to talk honestly about the planning, the pressure, and the possibilities of the summer holidays. From childcare patchworks to intentional memory making, this episode is packed with practical ideas and real-world wisdom to help you head into summer feeling prepared rather than panicked.
https://youtu.be/Z3_3AYk96dc
Libsyn Podcast Distribution Description Episode 7b | Interest Rates: The 4 Types You Need to Know
Thinking about applying for a mortgage but not sure which rate to choose? In this episode of On The Ladder, host Sarah Tucker and acting senior mortgage adviser Gemma Bennett walk you through the four most common mortgage rate types - fixed, tracker, discount, and SVR.
You'll learn how each rate works, how your monthly payments could be affected, and crucially, why landing on the SVR is something every first-time buyer should try to avoid. Gemma also explains why you should be talking to your adviser six months before your current rate ends.
On The Ladder is an exclusive series created to help first-time buyers understand the mortgage process with confidence.
Hosted by Sarah Tucker, CEO of The Mortgage Mum & broadcaster. Mortgage expertise from Gemma Bennett, Acting Senior Mortgage Adviser at The Mortgage Mum.
Getting a mortgage can feel daunting, but lenders are really just looking for one thing, proof that you can afford it now and if life changes. In this episode, we break down exactly what happens when you apply, what lenders are looking at, and the key terms every first-time buyer needs to know before they sit down with a lender.
We cover what LTV actually means, why getting a Decision in Principle is such an important first step, and what your bank statements are really telling your lender. Simple, straightforward, and everything you need to walk into that mortgage meeting with confidence.
Are the choices we make about our bodies really our own — or are we more influenced than we think?
In this episode of Mums the Word, we get into the thoughts behind our choices to do tweaks and touch upon the wider culture driving those decisions. It's an open, honest conversation and we can't wait for you to be a part of it.
Gemma opens up about still succumbing to beauty standards set by the patriarchy — and the frustration that comes with knowing that. Sarah questions whether opting out even means anything if we're not all doing it together. And through it all, one thing becomes clear: it's complicated, it's personal, and nobody has a clean answer.
Under 30 minutes. No judgement. Just real women talking about real decisions.
New episodes every Monday at 12PM!
The Renters' Rights Act is now law, but what happens next?
In Part 2 of this essential conversation, Sarah Tucker is joined once again by Louisa Sedgwick, Managing Director of Mortgages at Paragon Bank, for a forward-looking discussion on where the Private Rented Sector goes from here.
With over 30 years of mortgage industry experience, Louisa shares her honest, expert perspective on the big questions that landlords, tenants, and first-time buyers are all asking right now.
In this episode, they cover:
🏘️ How to encourage responsible investment in the PRS at a time when legislation feels increasingly restrictive
📊 What a balanced and sustainable Private Rented Sector could, and should, look like in the future
🏡 What genuinely needs to change to better support tenants and the next generation of first-time buyers trying to get on the ladder
This isn't a doom-and-gloom conversation. It's a grounded, honest look at the road ahead — and what it means for everyone navigating today's housing market.
Whether you're a landlord reassessing your portfolio, a tenant wondering what your future looks like, or a first-time buyer trying to make sense of it all, this episode is for you.
🎧 Missed Part 1? Search click her to listern Renters Rights Part 1 or search for The Mortage Mum in your podcast app or head to themortgagemum.com
The Mortgage Mum Podcast is hosted by Sarah Tucker, CEO of The Mortgage Mum and regular contributor to ITV's This Morning. New episodes every week, subscribe so you never miss one.
Have you ever hit a goal and felt strangely flat? You worked for it, you chased it, you finally got it and then… nothing. Just a quiet "huh." In this episode of M's the Word, Sarah, Jade and Shelley get honest about the cost of more. What happens when the thing you wanted most does not deliver the feeling you expected? When does the pursuit of more start costing you you? This is one of those conversations that will stop you in your tracks because chances are, you have been there too. Tune in for an honest, relatable and thought provoking conversation about ambition, fulfillment and what we are really chasing when we want more.
The Renters' Rights Act - What Every Tenant, Landlord and Homebuyer Needs to Know (Part 1)
The Renters' Rights Act is now law, and it is the biggest shake-up the private rental sector has seen in over 30 years. Whether you are renting, letting, or trying to buy your first home, this legislation affects you.
In this episode of The Mortgage Mum Podcast, host Sarah Tucker, CEO of The Mortgage Mum and regular contributor to ITV's This Morning, sits down with Louisa Sedgwick, Managing Director of Mortgages at Paragon Bank. With over 30 years of experience in specialist mortgage lending, Louisa is one of the most respected voices in the industry.
This is Part 1 of a two-part conversation. Together, Sarah and Louisa cover the real value of the private rental sector for first-time buyers, the benefits of renting before buying, what the rental experience teaches future homeowners, and the significant monetary contribution the PRS makes to the UK economy. They also look at who makes up the landlord population, what is most misunderstood about the Renters' Rights Act, what Phase 2 looks like, and the most significant recent legislative changes shaping the market.
This is essential listening for tenants who want to understand their new rights, landlords who need to know their new obligations, and aspiring buyers who want to understand how this changing landscape affects their journey to homeownership.
Part 2 is coming soon. Make sure you are subscribed so you do not miss it.
Hosted by Sarah Tucker, CEO of The Mortgage Mum. Guest: Louisa Sedgwick, Managing Director of Mortgages, Paragon Bank.
You've saved your deposit, you've checked your credit score, now the big question: how much can you actually borrow?
In this episode of On The Ladder, we break down exactly how mortgage lenders calculate what they'll offer you. Spoiler: it's not just about your salary.
From income and outgoings to credit history, deposit size and even your day-to-day spending habits, we walk you through everything that goes into a lender's affordability assessment, including whether your side hustle or benefit payments count as income. If you want to know where you really stand before you apply, this episode is your starting point.
About the series
On The Ladder is your step-by-step guide to buying your first home, created by Sarah Tucker.
Getting on the property ladder starts long before you find your dream home — it starts with your credit score.
If you've ever taken out a phone contract, car finance, or a store card, you already have a credit profile. But do you actually know what it says about you — and how it could affect your chances of getting a mortgage?
In this episode of On The Ladder, award-winning mortgage expert Sarah Tucker, founder of The Mortgage Mum, sits down with Mortgage Mum adviser Gemma Bennett to break down everything first-time buyers need to know about credit scores.
They explain what lenders are really looking for, the common mistakes that could hold you back, and the simple steps you can take to improve your position before applying for a mortgage.
What you'll learn * What your credit score is and how it's built * How lenders assess your borrowing behaviour * What to check when your credit report comes in * The impact of missed or late payments * What credit utilisation is and why it matters
Plus, a key insight many people miss: being approved for credit (like a £3,000 overdraft) and actually using it are two very different things in a lender's eyes.
Practical, straightforward, and designed specifically for first-time buyers, this episode will help you understand where you stand, and what to do next.
About the series On The Ladder is your step-by-step guide to buying your first home, created by Sarah Tucker.
In this episode, we explore the viral claim made by Natalie Dawson on The Diary of a CEO: "You are not a candle, you can't burn out."
Sarah, Gemma, Shelley and Jade come together to share their perspectives on burnout, productivity, and the pressures of modern life.
This is an open and honest conversation, particularly for women, about the expectation to keep going, the emotional weight of unfinished to-do lists, and the internal conflict between resting and feeling "lazy".
Rather than offering definitive answers, this episode creates space for reflection. Burnout isn't always obvious, and it doesn't look the same for everyone.
If you've ever struggled to switch off, questioned your own limits, or tied your worth to how much you achieve, this conversation will resonate.
Maternity leave is often painted as a dreamy, slow, joy-filled chapter… but the reality can look very different. In this conversation, four mums share the honest truth about maternity leave — from the emotional highs and lows to the financial pressure that so many women aren't prepared for.
A recent survey found that 62% of women severely underestimated the financial impact of maternity leave, and more than half returned to work earlier than planned because of money.
So why aren't we talking about this more openly?
In this episode, we explore:
- The financial reality of maternity leave (especially for self-employed mums)
- Why so many women feel pressure to "enjoy every moment"
- The hidden emotional load: identity shifts, loneliness, and overwhelm
- The gap between what we see online vs real life
- Why more honest conversations around motherhood are needed
This isn't about fear, it's about being informed, supported, and seen. If you're planning maternity leave, currently in it, or reflecting on your experience, this conversation will remind you that you're not alone.
💬 Let us know: What surprised you most about maternity leave?
You've found a house you love… now what?
This is the part of the journey that can feel the most exciting, and the most overwhelming. From knowing whether it's really "the one" to making an offer and navigating negotiation, there's a lot to get right.
In this episode of On The Ladder, we break down exactly what to do next once you've found a property, including:
- How to define your non-negotiables and make confident decisions
- What to look for when viewing properties (beyond the surface)
- Why your gut feeling matters, but shouldn't lead the whole decision
- What happens when it's time to make an offer
Plus, we're joined by an estate agent who shares honest, behind-the-scenes insight into how negotiations really work, and what buyers should (and shouldn't) say.
These tips are genuinely empowering if you want to:
- Feel more confident making an offer
- Avoid overpaying
- Position yourself as a strong, proceedable buyer
Whether you're actively house hunting or preparing for the next step, this episode will give you the clarity and confidence you need.
In this episode of M's The Word, Shelley Shicklehosts to facillate Sarah Tucker, Gemma Bennett and Jade Timson-Proud to talk openly about their experiences of miscarriage and pregnancy loss.
Together they share their personal stories, the challenges they faced, and the ways they found support while navigating grief and recovery. The conversation aims to raise awareness, break the silence surrounding miscarriage, and remind others that they are not alone.
⚠️ This episode contains discussion of pregnancy loss.
Support and information can be found through organisations such as the The Miscarriage Association and Tommy's.
They say moving house is one of the most stressful things you will ever do and if you've ever been through it, you'll know exactly why. The paperwork, the waiting, the uncertainty, the endless to-do lists… it can quickly feel overwhelming.
We aim to help alleviate some of that stress in this episode. In this episode of M's The Word, we share practical advice for both a first-time buyer and a seasoned home mover, giving you real-life insight from both sides of the experience.
From getting your finances in order and understanding the process after your offer is accepted, to managing timelines, staying organised, and preparing for moving day, we cover the things we wish we'd known sooner!
We also talk honestly about the emotional side of moving, the excitement, the doubts, the delays and the unexpected hurdle, and how to stay calm and in control when things don't go to plan.
Whether you're stepping onto the property ladder for the first time, upsizing, downsizing, or simply planning ahead for the future, this episode is packed with practical tips to help you feel confident, prepared and ready for your next move. 🎧 Listen now and be the calmest mover ever!
The Hardest Part of Therapy? Realising Disney Isn't Real | M's the Word Romance doesn't usually disappear overnight, it fades slowly, when we stop noticing each other.
In this episode of M's the Word, we explore what really happens behind closed doors in long-term relationships. From love languages to emotional disconnection, we dive into the quiet killers of romance and the small, intentional actions that can reignite connection.
Did you know the average couple with kids only talks for 24 minutes a day? Amanda was starting to feel like just housemates with her partner, we unpack why that happens and how to turn it around.
Topics in this episode: Why Disney set us up for unrealistic romance expectations The subtle shifts that erode intimacy How to speak your partner's love language Tools for reconnecting after disconnection
Whether you're married, in a long-term relationship, or just curious about how real love works - this one's for you.
🎧 Listen now and rediscover what keeps love alive.
In this episode of M's The Word, we're getting real about money mistakes, the ones we've made, the ones we regret, and the ones we wish we talked about more.
Did you know 1 in 3 women say that credit card debt is their biggest financial regret? From credit card creep to the illusion of "free money" with 0% interest offers, we explore how easy it is to overspend, and how hard it can be to break the cycle.
🎙️ What's your biggest money mistake? We're sharing ours (yes, boozy shopping is a thing!), and opening the conversation around debt, mindset, and financial self-worth.
Coming next Monday: Part 2 – Marriage & Keeping the Romance Alive 💕
🔔 Don't forget to subscribe and leave us a review if this episode resonates with you.
Stamp Duty, confusing, expensive, and often misunderstood. But if you're a first-time buyer in 2025, you might be paying less than you think… or even nothing at all.
In this episode of On The Ladder, Sarah Tucker, award-winning mortgage expert, founder of The Mortgage Mum, and regular contributor to This Morning, BBC and The Times, breaks down exactly how Stamp Duty Land Tax (SDLT) works in England and Northern Ireland, including the updated 2025 relief rules.
Joined by Gemma Bennett, acting Senior Mortgage Adviser, we'll guide you through:
✅ What Stamp Duty is — and why it exists ✅ Who qualifies for first-time buyer relief in 2025 ✅ How much you'll actually pay (with real examples) ✅ Why some buyers pay nothing at all ✅ Key rules for Shared Ownership and buying jointly ✅ Differences if you're buying in Scotland or Wales ✅ How and when Stamp Duty is paid ✅ Smart ways to plan for it in your buying budget
If you're planning to get on the property ladder, this episode is a must-listen.
🎓 On The Ladder is the no-jargon, expert-led podcast for first-time buyers in the UK — giving you the tools, knowledge, and confidence to take your next step toward homeownership.
🔗 Learn more: www.themortgagemum.co.uk 📲 Follow us on Instagram & TikTok: @the_mortgage_mum 📥 Subscribe for new episodes every month
Worried your deposit isn't enough to buy a home? You're not alone — but a new mortgage solution might help bridge the gap.
In this episode of On The Ladder, Sarah Tucker, founder of The Mortgage Mum and mortgage expert on ITV's This Morning,breaks down the Gen H New Build Boost, an innovative equity loan scheme designed to help first-time buyers purchase with just a 5% deposit.
Whether you're struggling to reach the typical 10–15% deposit or looking for a smart way to buy a new build sooner, this could be the solution you didn't know existed.
Joined by our expert adviser, Gemma Bennett, we cover:
✔️ How the Gen H New Build Boost actually works ✔️ What an equity loan is - and how it impacts future repayments ✔️ Who this product is best suited for ✔️ The key terms: 5% deposit, 15% interest-free equity loan, 80% mortgage ✔️ Why this is a stepping stone - not a shortcut - to homeownership ✔️ How to assess if it fits your long-term financial plan
📌 Quick Facts: • 5% deposit from you • 15% equity loan from Gen H (interest-free for 5 years) • 80% mortgage from Gen H • Repayment tied to your home's future value
🎓 On The Ladder is your go-to podcast for first-time buyers in the UK - cutting through mortgage jargon and giving you expert insights you can act on.
📅 New episodes drop every Monday at 10am 🔔 Subscribe to The Mortgage Mum for real-life affordability tips, mortgage product breakdowns, and expert Q&A 📱 Follow on social: Instagram: @the_mortgage_mum | TikTok: @themortgagemum 🌐 Learn more: www.themortgagemum.co.uk
Welcome to M's The Word – Episode 3 January brings powerful shifts, and in this episode we explore two themes that shape this time of year: marriage and moving on, and manifestation through mood boards. Part 1: Marriage & Moving On January is often a time of reflection and decision-making for couples. We discuss why relationship changes frequently surface at the start of the year and explore the emotional and financial realities of moving forward - including money management, shared responsibilities, and practical considerations when circumstances change.
Part 2: Manifestation & Mood Boards We shift the focus to the future, setting intentions, visualising goals, and creating manifestation mood boards that actually support progress. Visualising goals has been shown to increase the likelihood of achieving them, and we break down how to use this practice in a grounded, realistic way. Whether you're navigating a relationship transition or planning your next chapter, this episode offers honest conversation, practical insight, and future-focused energy. Join the conversation: Are you creating a vision or mood board for 2026? Do you believe in January fresh starts? Share your thoughts in the comments - your story may be featured in a future episode.
🔔 Subscribe Be part of the conversation! Share this episode with someone who may need it.
Before you scroll through Rightmove, fall in love with "the one," or even book your first viewing… there's one crucial step every first-time buyer needs - and hardly anyone explains it properly.
In this episode of On The Ladder, we're breaking down the Decision in Principle (also known as an Agreement in Principle, Mortgage in Principle, or simply a DIP). This simple document is your very first green light from a lender, proving they're willing - in principle - to lend you money for your new home.
We'll walk you through:
- What a Decision in Principle actually is
- Why you should get one before you start house-hunting
- How a mortgage adviser helps you find the lender that suits your situation
- The truth about credit checks (and why you shouldn't apply for DIPs everywhere online)
- How long a DIP lasts — and what to do if it expires
- Why you should never reveal your full DIP amount to an estate agent
- Whether you can have more than one DIP
- How your DIP becomes a full mortgage application when you find "the one"
By the end of this episode, you'll understand exactly why a DIP is the difference between hoping you can buy a home… and knowing you can.
If you're a first-time buyer, self-employed, on maternity leave, or simply unsure where to start, this episode will give you the clarity and confidence you need to take the next step. Watch the full episode on YouTube: How to Save for a House Deposit UK | On The Ladder Ep. 1
Follow on Instagram: @the_mortgage_mum
Can't get a mortgage approved - even though you're paying high rent?
In this episode of On The Ladder, Sarah Tucker breaks down a new mortgage product from Gen H that could be a game-changer for first-time buyers struggling with affordability.
It's called a part and part mortgage, and it allows you to buy with just a 5% deposit — while keeping monthly payments lower by putting part of the mortgage on interest-only.
💡 In this episode, you'll learn:
- What a part and part mortgage actually is (in simple terms)
- How it can make homeownership more affordable in today's market
- What kind of income and deposit you'll need to qualify
- Real-life example: how one couple used this to buy their first home
- Why having a broker is key to using this product responsibly
This isn't a fit for everyone but for the right buyer, it could be the stepping stone you've been waiting for.
🎓 On The Ladder is your step-by-step guide to buying your first home in the UK, with expert advice, real solutions, and no jargon.
🎧 Listen now and take your next step On The Ladder.
Or watch the full episode on YouTube - https://youtu.be/zfJHOaGdb-k
🎙️ Buy a Home with Just a 3% Deposit? Here's How.
It might sound too good to be true but with Own New's Rate Reducer scheme, it's absolutely possible.
In this episode of On The Ladder, host Sarah Tucker - founder of The Mortgage Mum and trusted expert featured on This Morning, BBC, and The Times — shares a real-life success story of a first-time buyer who bought their dream home with just a 3% deposit and lower monthly payments.
💡 In this episode, you'll learn:
- What the Rate Reducer scheme is and how it works
- How home builders contribute up to 5% to help with your deposit and interest rate
- A real example: buying a new build in Glasgow with just 3% down
- How to use the Rate Reducer calculator to see your potential savings
- Why the early years of homeownership are key for financial stability
🎓 On The Ladder is your monthly, step-by-step guide for UK first-time buyers — no jargon, just real advice, practical tools, and empowering stories to help you move forward.
📅 New episodes every month – Mondays at 10am 🔔 Subscribe and follow to never miss an episode
📲 Try the calculator: https://ownnew.co.uk 🔗 More guidance: www.themortgagemum.co.uk
📱 Follow us on social: Instagram: @the_mortgage_mum TikTok: @themortgagemum
It's time for Episode 2 of M's The Word! We're diving into two powerful topics that impact us all - especially around the festive season: 💴 Money Management in Relationships Did you know 1 in 5 couples argue about money every single week? In this episode, we break down how to manage your finances both individually and as a couple - with tips to reduce tension and build financial trust. 📱 Mobile Phone Addiction During the Holidays The average Brit checks their phone every 12 minutes - even more during Christmas. We talk about how to set boundaries with your screen time, be more present, and reconnect with what (and who) really matters. ✨ Whether you're budgeting with your partner or trying to unplug during the holidays, this episode has something for you. 👇 Watch the full episode on YouTube and join the conversation in the comments! 📲 Follow @ms_theword for more content, behind-the-scenes, and upcoming episodes!
Saving for a house deposit can feel impossible, but it doesn't have to be! In Episode 1 of On The Ladder, mortgage expert Sarah Tucker, founder of The Mortgage Mum, explains what a deposit really is, how much is actually needed in today's market, and the low‑deposit and no‑deposit mortgage options that could bring first-time buyers like you closer to homeownership than they think. In this episode: * What is a house deposit and how much do you actually need in the UK? * Strategic ways to save (no skipping coffees required) * Mortgage schemes for first‑time buyers: 5% deposit, shared ownership, guarantor products & more!! * Realistic tips for building a deposit faster - even on a lower income
On The Ladder is a complete step‑by‑step series for first‑time buyers in the UK, bringing expert insights without the jargon. Hosted by Sarah Tucker, regular contributor on This Morning, BBC, and The Times, and founder of one of the UK's most trusted mortgage brokerages: The Mortgage Mum. Joined by acting Mortgage adviser and our very own Gemma Bennett, to give that important detail! 🔔 Subscribe to The Mortgage Mum YouTube to watch the full series 📌 Episode 1 is now live! Press play and take your first step On The Ladder. 🔗 Follow for more expert advice: Instagram: @the_mortgage_mum TikTok: @themortgagemum Website: www.themortgagemum.co.uk
Episode 1: Media Myths & the Mother Load at Christmas
Welcome to the very first episode of M's The Word!! The bold new talk show and podcast where we dive into money, motherhood, mindset, and every other "M" word that matters.
In this episode, we're unpacking media myths and the emotional overload of the holiday season - and yes, we're talking about that controversial Diary of a CEO episode where financial experts claimed you shouldn't buy a house (!).
We also get real about:
- Why advent calendars might need to be cancelled
- The cofusion of unrealistic and one sided financial advice online
- How Christmas hits differently when you're managing a household
- The mental load, mum guilt, and the myth of "having it all together"
It's honest, it's eye-opening, and it's the start of something real.
🎙️ Hosted by Sarah Tucker, with Gemma Bennett, Jade Timpson-Proud & Shelley Walker 📅 New episodes every month! 💬 Like what you hear? Leave a review and share with someone who needs this conversation.
Connect With Us:
- Watch the full show on YouTube: M's The Word | A Bold New Talk Show & Podcast on Life's Big Topics
- Follow us on Instagram: M's The Word (@ms_theword) • Instagram photos and videos
- Subscribe for updates & behind-the-scenes content: M's The Word (@ms_theword) • Instagram photos and videos
In this week’s episode of The Mortgage Mum Podcast hosted by Shelly Walker, Managing Director of The Mortgage Mum Specialist Finance - we’re joined by powerhouse business coach Jessica Crane, founder of the Sheo Collective, to talk all things wealth, legacy, and CEO-level mindset.
Key Themes:
-
How to use your business as a vehicle for generational wealth
-
The reality of scaling from six to eight figures (and why systems matter)
-
The mindset shifts required to stop “doing it all” and start leading as a CEO
-
Building a property portfolio while managing multiple businesses
-
The importance of community, mentorship, and getting the right support
-
Why teaching kids about money and business is a must for future generations
-
Real talk on passive vs active income strategies
-
Lessons learned from property investing - the wins and the mistakes
Jessica shares real-life case studies from her mastermind clients, including women who’ve gone from burned-out business owners to owning multiple income streams and investment properties - often in under two years. The conversation is packed with practical advice for women who want to take ownership of their financial future and use their business as a launchpad for lasting impact.
From First-Time Buyers to Founders: How Gen H Is Rewriting the Mortgage Rulebook Hello and welcome back to another episode of The Mortgage Mum podcast.
What happens when two would-be first-time buyers look at Britain’s housing market and decide to fix it rather than squeeze into it?
On this episode of The Mortgage Man Podcast, Sarah sits down with Will Rice, Co-Founder and (until recently) CEO of Gen H, to unpack the extraordinary story of channeling a first-home deposit into building a new kind of mortgage lender.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
Hello and welcome back to another episode of The Mortgage Mum podcast.
Join Sarah Tucker CEO of The Mortgage Mum speak with Drew Boyer author of Hip Hop x Finance: Become a Financial Gangster! Get off Debt Row and Stack your Cash Flow . Combing Hip Hop and finance
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
A very warm welcome to today's episode of The Mortgage Mum podcast.
This time, we’re talking about first time remortgages. We are talking to those of you who have bought a property, you're on the property ladder and you think your work is done. You know what you’re doing for the next 25, 30 years.
But no. Then, talk of remortgage comes up and your fixed rate is coming to an end. You're probably feeling a bit overwhelmed and unsure what happens next.
This episode is for you. We're going to make it short and sweet so it won't take up too much of your time, but it's going to help you feel prepared and ready.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
Welcome to The Mortgage Mum podcast. We are so excited to have this episode released today on a really specific topic that’s becoming a common enquiry.
Lots of people are moving into other countries to work while owning property or wanting to own property in the UK. And with 1.8 million people coming off a fixed rate this year (as of June 2025) and due to remortgage, people living in other countries are wondering what this means for them?
So we’ve called in the expert, Shelley Walker, Managing Director of The Mortgage Mum Specialist Finance, to join us on the episode.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you would like to reach out to Shelly, Managing Director of The Mortgage Mum Specialist Finance please email shelley.walker@tmmspecialist.co.uk or call 03300 431327.
If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
Hello and welcome back to another episode of The Mortgage Mum podcast.
We’re covering a really hot topic right now - because the majority of landlords remortgaging a Buy to Let property are now doing it through a limited company.
We have got some of your most Googled questions on this topic and we're going to dive straight into them.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
Hello, and welcome to today's episode of The Mortgage Mum podcast.
Today we are sticking with the remortgage topic - as 1.6 million of you are coming up to the end of your fixed rate in the next few months.
We want to make sure you know your options when that remortgage comes around, and today we’re covering remortgaging to buy a second home.
There are news reports out there right now in May 2025 that people with a second home are actually trying to get rid of them. It’s because of new tax rules from the government - but having said that, there are still lots of you dreaming about buying a second home.
We're covering all your questions today, so let’s get started! Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
An Exclusive Interview with April Mortgages - Rachael Hunnisett!
Exciting News! Listen to Sarah as she speaks to Rachael Hunnisett, about how you can buy a home with no deposit!
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
Hello and welcome back to the Mortgage Mum podcast, where we’re diving straight into Part Two of our conversation about remortgaging if you've suffered bad credit.
Tessa will be asking all the questions people Google on this topic, to give you everything you need to know. If you haven't already, start by listening to Part One and then come back to Part Two.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
A very warm welcome to today's episode of the Mortgage Mum Podcast, where I’m here with Tessa who’s going to be asking your questions. I'm excited to cover this topic, because I don't think there's enough information out there that feels friendly and informative.
We're focusing on those of you with bad credit who are wondering whether you can remortgage. We're answering all the questions you’re searching for online, to give you everything you need to know.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
Hello and welcome to another episode on The Mortgage Mum podcast.
We are sticking with our Remortgage series, and today we’re talking about Buy to Let Remortgages.
This is a bitesize episode, hopefully giving you everything you need, with the lovely Tessa asking your questions.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
Hello and a very warm welcome to today's episode of The Mortgage Mum podcast.
You've got a treat here because we have two co-hosts today - Liz, who is a member of the Mortgage Mum team - and Tessa, who's going to be asking all your questions.
A big thank you to Jacqueline who messaged The Mortgage Mum and asked questions around the topic we're covering today: remortgaging when you are buying somebody out of your property.
Jacqueline said she's been looking for a podcast about remortgaging and buying a partner out of a mortgage. This is usually post breakup or post divorce and many people ask us about this question.
We're going to be answering Jacqueline’s specific questions within this episode. Thank you for sending them in and prompting us to have this discussion today.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you would like to reach out to Liz, Mortgage Broker at The Mortgage Mum please email liz@themortgagemum.co.uk or call 01702 887426.
f you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
Hello and a warm welcome back to The Mortgage Mum podcast where we are diving into product transfers.
What are they? How do they work? Are they the same as a remortgage?
We're going to be answering all the questions that you've been sending in on this topic and we've got the wonderful Tessa here to host the episode as always.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
A very warm welcome to today's Mortgage Mum podcast. Here at The Mortgage Mum we are really passionate about celebrating new-build properties and shining a light on this area of the market.
Today, we're continuing our remortgage season by talking about new build remortgages. And who better than to do that than our very own head of new builds, Charley O'Neill?
Tessa's hosting the episode as normal and asking us all the questions you have when it comes to remortgaging new build properties.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you would like to reach out to Charley, Senior Mortgage and Protection Adviser & Head of New Build at The Mortgage Mum please email charley@themortgagemum.co.uk or call 01702 887426.
If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
Hello and a very warm welcome to today's episode of the Mortgage Mum podcast. Today's episode is a little bit different, and we’re very excited to finally tell you that we have been working on something special at The Mortgage Mum in 2024.
We’re now ready to launch this exciting new space - that we really believe is going to add to The Mortgage Mum service and help you on your finance journey.
The lovely Tessa, who joins us on most episodes, will be interviewing someone different today, a member of our senior team. Please welcome Dinta to the podcast, to open up the conversation about our brand new company coming in 2025. And that is, drum roll, please…..The Mortgage Mum Wealth.
Wealth is a wonderful word suggesting that we have an abundance of financial assets. The wealth space is about pensions, investments, ISAs and all of the different facets that includes.
There are incredible opportunities in this space. The information out there is not being translated in a way people understand. We are so looking forward to being able to do that for you.
To celebrate the launch of The Mortgage Mum Wealth, we are asking Dinta some of the main questions people Google on this topic. So without further ado, let me hand over the episode to the wonderful Dinta and Tessa.
Please send in your wealth questions. Let us know what you want to know more about, and we will cover it in future episodes and on our social media.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you would like to reach out to Dinta, Senior Mortgage and Protection Advisor at The Mortgage Mum Wealth please email dinta@themortgagemum.co.uk or call 01702 887426.
Welcome to today's episode of The Mortgage Mum podcast, where we are talking about remortgages. There are 1.6 million of you coming off your fixed rate deals in 2025, so listen to this episode to make sure you're prepared and you’ll know all your options when that time comes.
The remortgage market is set to increase by 33% this year, so it's essential that we cover this topic. So we’re really glad we're talking about it today - as usual, Tessa is going to be posing your questions.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
Hello, and welcome to today's episode of The Mortgage Mum podcast, where we’re talking more about remortgaging for debt consolidation.
Some people don't realise that this is an option, and that they can make a long-term plan using their mortgage if they're sitting on lots of debt on credit cards or personal loans. Today, we're going to demystify this topic and hopefully empower you to make the right choice.
As always, Tessa is going to be asking Sarah your questions and Sarah will hopefully give you all the answers you need by the end of this episode.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
A very warm welcome to episode two of the remortgage series on The Mortgage Mum podcast.
Tessa is here, asking your questions on very specific areas of the remortgage market. We've just done a very great contractor series and this time, it’s all about remortgages. In this episode we are talking all about how you can remortgage an unencumbered property.
If you've got any questions and you want them answered on The Mortgage Mum podcast, you can email us at info@themortgagemum.co.uk or on social media.
If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
Welcome to the first episode of 2025 on The Mortgage Mum podcast.
I'm excited about this year. I've got a good feeling. My numerology tells me it's going to be a great year in the property market and for myself, so let's see what happens!
Tessa is here with us again, and we're answering your questions. I'm really excited because this time we're diving into the world of remortgages to give you all the answers if you're self-employed.
Many of these answers will also apply if you're self-employed and just looking for a mortgage of any kind. So listen in and grab your notepad…
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
Hello and welcome to the Mortgage Mum podcast. It's bittersweet, because this is our last episode relating to contractors.
Tessa is going to be asking me your mortgage questions and this time, we're talking about subcontractors and giving you some clarity on what that means for getting a mortgage.
It's been a good series. I think it's helped a lot of people. A lot of feedback we've had is that we're helping to show the many layers of the contractor world.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
Hello and a very warm welcome to you to today's Mortgage Mum podcast.
We are finishing the contractor series with a very important topic. We're talking about CIS mortgages.
These are mortgages designed specifically for those working in the Construction Industry Scheme (CIS) - you may not realise that there are special mortgages just for you.
I'm here with the lovely Tessa again, who's going to be asking me your questions!
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
In this special episode of The Mortgage Mum Podcast, Sarah interview Jon Mathews, Founder & MD of Hawksbeck Annexe and Garden Rooms.
Join us as we take a deep dive into garden rooms and annexes, telling you everything you need to know, including:
- What are the top tips for finding the right builder to create your garden room?
- Do garden rooms add value to your house? What are the red flags when researching?
- Things we never knew we needed to know!
- How you can create an income from your property by building an annexe or a garden room
- As well as hearing some of Jon’s story as a business owner, from an employed finance role in the City to building garden rooms for one of the most well respected brands in the industry
This is an episode not to be missed!
Jon said “I’m Jon, Founder of Hawksbeck Annexes and Garden Rooms. I set up Hawksbeck because there was a real need for people to have a space away from the house to work, rest and play. We have been a pioneer in annex and garden room space, building bespoke outbuildings that will last a lifetime. All our buildings are built to the highest standard using BBA accredited materials. They are design by architects and engineers and meet building regulations. Therefore, they are fully habitable and come with a 10-year insurance backed warranty. I name the company Hawksbeck, as that was my first dogs pedigree name. I absolutely love the dog, and absolutely love the name, so seemed perfect fit to name the company after him. I’m proud that name has now become synonymous with quality, service, and design. I'm passionate about what I do. I love the first meeting with the client, being involved in the design journey with them, overseeing the built process, then they joy and excitement when we handover the keys to a stunning finish product. I often get asked my favourite project, it is always the next project we're about to do. No two builds are the same, no two clients are the same!”
You can find Jon at:
Visit Hawksbeck Annexe and Garden Rooms.
We hope you enjoy the interview, and please keep sending your questions into us for more episodes and social media content.
Sarah x
A very warm welcome to this episode of The Mortgage Mum podcast.
This is part two of our foreign income series. In the last episode, we covered lots of your questions on foreign income mortgages, and we're going to cover the rest of them now.
We're joined again by the lovely Tessa and Maira to answer the questions you've been sending in. If you missed the last episode, Maira is a broker at The Mortgage Mum and comes from Brazil.
Maira deals with clients all the time from all kinds of different places and understands more than most people the challenges of having a foreign income and getting a UK mortgage.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
Thank you for joining us on The Mortgage Mum podcast for another episode. Those who’ve been listening know we’ve talked recently about contractor mortgages - but this time we have a brand new topic.
We're focusing on those of you who are trying to get a mortgage with foreign currency income. It might be that you live abroad and you're trying to get a UK mortgage, or perhaps you live in the UK but you generate some foreign currency income.
Over the next two episodes we're going to answer all your questions on this. Plus, we've got two other podcast hosts - the lovely Tessa as normal, asking us your questions, and we're also joined by Maira, a Mortgage Mum broker who comes from Brazil. She very much understands the needs of a client that has lived abroad for a period of time.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
Welcome to our latest episode of The Mortgage Mum podcast. Sarah Tucker is back again and she is still talking about contractors!
There are many types of contractors to cover and today's episode is going to be a really interesting one, because this isn't a typical contractor, it's an umbrella contractor.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
Hello, and welcome back to another episode of The Mortgage Mum podcast.
You might be wondering, are they still talking about contractors? Well, yes, we are! That's how many contracting questions there are out there.
Today we're talking about Buy to Let mortgages for contractors. This is a great episode, even if you're just wondering about Buy to Let mortgages and you're not a contractor.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
Sarah Tucker joins Tessa again this month, this time to answer your questions on IT contractor mortgages. Of all the contractors we know, we definitely speak to IT contractors the most frequently. It’s a very popular area.
This will be a good episode for those of you who are IT contractors, or if you're thinking of becoming one. As always, if you have questions, send them in to us - they will form part of our future episodes.
You will also notice Sarah is doing live mortgage Q&As on her Instagram page now, as well as regular videos and podcast episodes. So keep sending your queries in, and we'll help as many of you as we can.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
Sarah Tucker is back to continue answering your questions on mortgages for IT Contractors.
Our focus at the moment is on contractors, and we've been looking at First Time Buyer contractors and standard contractors, and now IT contractors.
If you haven’t already listened, we have covered a Part 1 episode and we’re going to get very granular again with you for this next part.
We hope we have covered all the questions that we can for IT Contractors across our Part 1 and Part 2 episodes but if you have any more, please let us know - we would love to help.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts!
www.themortgagemum.co.uk/podcast If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
On this episode of The Mortgage Mum Podcast, we are talking about contractor mortgages, for those of you who are on a daily rate.
We recently recorded an episode on mortgages for First Time Buyer contractors too - in case you would like to listen to that too.
We're also here again with Tessa, who's going to be asking Sarah the questions that you've sent in to us.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
The topic of conversation on this episode of The Mortgage Mum Podcast is mortgages for First Time Buyer contractors. It’s very specific and we're going to give you as much information as possible.
Tessa is back again to ask Sarah the questions that you've sent in to us and as always, if you've got any more questions, please send them in - they could be featured on another episode or Sarah will answer them specifically on social media.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
Hello, and welcome back to the Mortgage Mum podcast with Sarah Tucker.
In this episode, we are going to be doing some questions and answers again, which worked really well in our previous episode.
This time we are covering the topic of high net worth mortgages, which can sometimes fall into specialist finance. As you may or may not have seen, we've recently launched The Mortgage Mum Specialist Finance as its own company and It’s headed up by myself and Shelley Walker, who’s managing director of that business.
We would love to do another episode in the future with Shelley as part of the specialist finance podcast. But for now, we want to answer your questions.
We've had lots of them about how high net worth can be factored in differently for mortgages, so hopefully we cover them all for you on today’s episode.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
Welcome to one of two episodes to be released in July on The Mortgage Mum Podcast!
Sarah Tucker is excited to be back on the show for the first time in a while and she is also joined by Senior Mortgage and Protection Advisor and Head of New Build at The Mortgage Mum, Charley O’Neill.
This is the first time Sarah and Charley have hosted an episode together but you’ll recognise Charley from the new build podcast that was released recently.
The team is also making some exciting, new changes to the podcast! With some really great feedback from listeners so far and suggestions for topics, they have decided to bring in Tessa from the Lead Engine as host, to ask the questions that you've been sending in.
To kick start this new process, Sarah and Charley are excited to answer your most popular questions on getting a mortgage with commission income…so let’s get started!
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
Charley is a Senior Mortgage and Protection Advisor and Head of New Build at The Mortgage Mum and can be contacted on 07841 581992 or via email charley@themortgagemum.co.uk
If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
“Demystifying the million pound mortgage”
Welcome to this month’s episode of The Mortgage Mum podcast. This month’s episode is hosted by two of our expert mortgage brokers, Kim Balasubramaniam and Katrina Horsted.
With backgrounds in high-end events and luxury fashion, Kim and Katrina are well versed in dealing with discerning, high net worth clients.
In this episode they discuss the million pound mortgage; why you might need one, how to get one and how working with a broker in this space is vital.
Kim and Katrina discuss the need for million pound mortgages, both in the residential, buy-to-let and development sectors, particularly for those families wishing to move to their forever homes.
They talk through affordability considerations; for those clients with complex incomes, background investments and illiquid assets and how different lenders take these elements into consideration.
Katrina shares the types of mortgages available for larger loan sizes and the considerations that should be given to each, and Kim discusses the various repayment options available.
Finally, the pair share how working with a broker in this space is vital both to save the client time, and to lean on their expertise and relationships with lenders and their specialist larger lending teams to ensure a smooth journey to completion of that million pound mortgage and forever home.
Eliot Darcy is the CEO and Founder of Own New. Own New is dedicated to solving problems on the housing market and helping people to buy new homes.
This episode focuses on their Rate Reducer scheme which they have brought to the market which gives buyers access to lower interest rates when purchasing a new build property.
Charley O'Neill, Senior Mortgage and Protection Advisor at The Mortgage Mum chats to Eliot about the advantages of the scheme, where the idea came from, a bit about Eliot’s history and advantages of buying a new build.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
For more information about the Scheme please visit: Own New
Follow Eliot on LinkedIn
If you'd like to reach out to Charley with an enquiry about new builds or general mortgages, please email: charley@themortgagemum.co.uk or call 07841 581992.
Welcome to April’s episode, where guest host Gemma Bennett, Senior Broker at The Mortgage Mum, takes time to discuss getting mortgage ready when you have a fixed term, temporary or zero hours employment contract.
Being employed doesn’t look the same for everyone and if you have an employment contract that isn’t considered permanent, you may need to consider a few extra elements to help lenders understand your current and future income, when it comes to applying for a mortgage.
Since working in the mortgage industry Gemma has seen just how varied lenders are in their approaches to contract workers and uses this podcast episode to give you an overview of things to consider and how to get yourself in the best position.
Essentially it comes down to offering the lenders as much evidenced security of your income levels as we can. We do this by looking both back at your recent employment history and forward when it comes to non permanent contracted employment.
Gemma hopes she can shed some light on what’s required and what is most helpful if you’re in this position. Please don’t hesitate to ask any questions.
Gemma is an award-winning senior broker at the mortgage mum and can be contacted on Gemma@themortgagemum.co.uk
Follow Gemma on:
Instagram @gemmabennett_themortgagemum
Facebook @gemmabennett_themortgagemum
LinkedIn Gemma Bennett
Welcome back Sarah! This month’s episode see’s the return of The Mortgage Mum’s Managing Director, Sarah Tucker.
Sarah records her first podcast episode since coming back from maternity leave and shares an insight into the past year.
As Managing Director, Sarah gets asked a lot of questions around owning a business and having children, including what that looks like, how she manages it, and how this feels, which she explains in this episode.
Plus, ahead of International Women’s Day this week, Sarah hopes to inspire other women that might be looking to start a family and run a business.
Listen now on The Mortgage Mum website or wherever you get your podcasts!
In our new episode on The Mortgage Mum Podcast, we are joined by three of our Mortgage Mums - Sally Mitchell (Senior Mortgage Broker and Business Manager), Katrina Horstead (Mortgage Broker) and Kim Balasubramaniam (Senior Mortgage Broker).
Each with a very different story, Sally, Katrina and Kim talk through their unique back stories including how they became Mortgage Brokers and how they landed their roles at The Mortgage Mum. They talk about their background, how they discovered The Mortgage Mum, getting qualified and more. They talk about how being a mortgage broker is a true "human" job, listening to real people and understanding their circumstances. It's beyond numbers, it's interesting and exciting.
Proving that you don't have to have a background in Financial Services, we hope their inspiring journeys can show that you can create a flexible work and life balance as a broker. Not all of our brokers are parents, but those that are, make this career work around their families.
Mortgage brokers are a huge part of anyone's property-purchase. The Mortgage Mum brokers specifically are there every step of the way. They build real relationships and their invaluable life experience really shapes the much needed positive, patient, kind and empathetic attitude the mortgage industry needs, all of which we believe contributes to being a successful mortgage broker.
If you feel inspired by this episode and Sally, Katrina and Kim's stories, and are interested in becoming a mortgage broker, or whether you are already a broker and want to find out more about being a broker at The Mortgage Mum, then please check out our course: Your Complete Guide To Becoming A Mortgage Broker. Hosted by our founders, Sarah Tucker and Jamie Lewis, this course covers getting the qualifications you need, learning how to get your own leads, branding your business and everything in between. Visit themortgagemumcourses.co.uk to find out more.
Get to know Sally Mitchell, Katrina Horstead and Kim Balasubramaniam via our website where you can also find their social media links to connect with. ww.themortgagemum.co.uk/our-team/sally-mitchell www.themortgagemum.co.uk/our-team/katrina-horstead www.themortgagemum.co.uk/our-team/kim-balasubramaniam
Visit The Mortgage Mum YouTube channel to watch the video recording of this episode.
Welcome to January’s episode, where guest host, Gemma Bennett, Senior Broker at The Mortgage Mum takes time to discuss getting mortgage ready as a self-employed applicant.
Gemma has been self-employed as a sole trader and a limited company director for her whole working life. She understands how it can really feel like you’re jumping through hoops and met with a certain amount of resistance when it comes to mortgages first hand.
Since working in the mortgage industry for the last few years Gemma has seen the other side, the lenders side of self-employed lending. Gemma wants to put both areas of experience and knowledge together, to help her fellow self-employed applicants be as prepared and empowered as possible when it comes to their mortgage needs.
Gemma offers tips and explains certain processes in a hope that you as a self-employed mortgage applicant, can get yourself in the best possible position for your mortgage needs.
We really hope you enjoy this episode and please don’t hesitate to ask any questions.
Gemma is an award-winning Senior Broker at the mortgage mum and can be contacted on Gemma@themortgagemum.co.uk
Follow Gemma on:
Instagram @gemmabennett_themortgagemum
Facebook @gemmabennett_themortgagemum
LinkedIn Gemma Bennett
Today’s podcast episode is brought to you by guest hosts Shelley Walker and Elizabeth Pearson, founder of Simple Successful Stocks.
Shelley has been with The Mortgage Mum since our launch in 2019 and is now a Director of our sister company The Mortgage Mum Specialist Finance.
Elizabeth is a financial educator helping women to make their money work for them, by investing in the stock markets and taking charge of their financial future. A fan of all things sparkly and an expert in her field, she helps women to gain trust, knowledge and confidence in themselves making investments simple, successful and sustainable.
This episode will cover:
- Personal anecdotes including how Elizabeth became interested in stocks and the important role of family supporting financial education
- Why ‘boring investing’ can be best Top tips for investors – the four things you must plan for before investing – in property and in stocks
- How to get started and build a good portfolio
- Effort vs reward – what returns can be anticipated over time (there are no guarantees!)
- How society has influenced our financial behaviours
- How Elizabeth can help women to build their financial futures
Elizabeth gives talks, runs investing taster classes and offers training to individuals and groups to become successful investors themselves.
Please find her on https://www.simplesuccessfulstocks.co.uk/ where you can also receive a FREE guide to investing.
Taster classes include Girls Just Want to Have Funds! - The 7 Simple and Sparkly Steps to Start Investing – follow Elizabeth on Linked in to find details of her next session (13) ELIZABETH Pearson | LinkedIn
Please click HERE for a FREE guide GIRLS JUST WANT TO HAVE FUNDS! 7 Simple and Sparkly Steps to Start Investing https://www.simplesuccessfulstocks.co.uk/complimentary-investing-guide/ Find Elizabeth on: https://www.simplesuccessfulstocks.co.uk/ LinkedIn: linkedin.com/in/elizabeth--pearson Instagram: https://www.instagram.com/simplesuccessfulstocks/ or by email: elizabeth@simplesuccessfulstocks.co.uk
Shelley is passionate about helping investors reach their goals and can assist with all things mortgages, business and commercial finance.
Reach her at shelley.walker@tmmspecialist.co.uk 07786566888 or book straight into her diary https://calendly.com/shelleymm
A Real Life New Build Purchase Journey & How To Add Character To Your New Build Property
Welcome to this month's episode of The Mortgage Mum Podcast with guest host Charley O'Neill, Senior Mortgage and Protection Broker here at The Mortgage Mum.
Charley is guest hosting this month's podcast, to talk through all things new build with the lovely Kate Hickmott, mum of two, author, interior design fanatic, and is also the owner of her very own New Build property.
She's living in the southwest of the UK and is here to help us understand what the process of purchasing a new build looks like from a client's point of view, all the way through to how to add character to that blank canvas that you get with a new build property.
Charley and Kate discuss:
Purchasing a new build, schemes to help buy your property and sell your old property.
The ways that Kate has added character to her home
Tips on where to start with decorating
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
Follow Kate on instagram @new_build_forever_home
Click here for a free guide on how you can transform your new build home - https://subscribepage.io/new-build-interiors
If you'd like to reach out to Charley with an enquiry about new builds or general mortgages, please email: charley@themortgagemum.co.uk or call 07841 581992.
The Mortgage Mum Specialist Finance is here!
This month’s podcast episode comes with some very EXCITING news as we officially launch our new business – The Mortgage Mum Specialist Finance!
Our guest hosts - Shelley Walker and Daniel Hobbs give an overview of the new business, describing how we can help aspirational investors, seasoned property professionals and business owners with a wider range of finance options to meet their goals.
Shelley has been at The Mortgage Mum since our launch in 2019 and is now a Director of our sister company The Mortgage Mum Specialist Finance. Dan is the Managing Director of New Leaf Distribution Network who provide a regulatory framework for the new company.
Listen in as Shelley and Dan discuss....
- What is The Mortgage Mum Specialist Finance and who are New Leaf?
- Who is our target market?
- Why have we launched this new division?
- What is our offering and what are our core business values?
Listen in for an overview of our new finance options including:
- Secured loans Bridging – short term property finance
- Commercial finance
- Development finance
- Complex buy to let for professional landlords
- Business finance – asset and cash flow
- How we can arrange protection and specialist finance options for people who are high net worth
Listen now on The Mortgage Mum website or wherever you get your podcasts! There will be more podcasts to come from The Mortgage Mum Specialist Finance when we can deep dive into finance options more. Drop us a message and let us know what you’d like to hear more about next! The team can be reached at info@tmmspecialist.co.uk or see our website for further information www.themortgagemum.co.uk/specialist
Shelley can also be reached directly at shelley.walker@tmmspecialist.co.uk or by calling 07786566888.
To find out more about New Leaf and Dan Hobbs, please visit: www.newleafdistribution.co.uk
The Mortgage Mum Specialist Finance (FCA 999350) is an approved representative of New Leaf Distribution Ltd (FCA 460421). Some of the products discussed are not regulated by the Financial Conduct Authority.
In this new episode on The Mortgage Mum Podcast, Zita Latham, Senior Mortgage Broker and Protection Advisor interviews Chris Nathan, owner and founder of Hound & Porter Estate Agency in Reigate, Surrey.
Chris and Zita enjoy an open and honest conversation, talking about his journey to launching his own Estate Agency, and what makes Hound & Porter different.
They also cover all the important questions and information you need to know when buying and selling a property, making those offers and whether it is a good time to buy in the current market. It's an exciting time for you, and we want you to be informed and well equipped with knowledge!
Chris has over 30 years experience working within the real estate industry and has a huge passion for helping people to buy and sell properties. Chris believes that home buying should be an enjoyable and satisfying experience for everyone. When you are making important decisions, such as purchasing or selling a property you should expect honesty, local knowledge and highly personalised service from your agent.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
To find out more about Chris visit: https://www.houndandporter.co.uk/
If you'd like to reach out to Zita with an enquiry about general mortgages, please email: zita@themortgagemum.co.uk or call 07917 458783.
Welcome to the August episode of The Mortgage Mum Podcast. This month Kim Balasubramaniam, one of our Senior Mortgage Brokers is guest hosting the podcast and welcomes interior designer Sophie Robinson to the show.
Sophie has enjoyed a long and creative career as a TV presenter, podcaster, journalist, stylist and designer with over two decades of experience in the interiors and media industry. You will recognise her from TV shows such as DIY SOS and most recently the BBC’s Interior Design Masters. Sophie is well known for her love of colour and pattern and is on a mission to ban the beige! Her brand is about so much more than interior design though; it’s about giving others the inspiration, know-how and confidence to be creative in their own home, and in an affordable way at that.
In this episode we talk through Sophie’s own journey with redesigning and renovating her family home; a tile hung cottage in the countryside that has undergone quite the transformation in the last few years.
Sophie shares her super useful tips for space planning like a pro, how to view the layout of a property when house hunting, and how simply changing the function of spaces can have a huge impact on how you live in your home.
We discuss how the age-old adage of keeping everything neutral won’t actually add the most value to your home, and how carefully chosen interiors can actually do the opposite.
Sophie shares her top tips for injecting colour and personality into your home design to create a joyous space that works for you and your family, and how this has been proven to have a direct impact on our wellbeing.
Finally we hear about her exciting future plans, and how her kitchen design was inspired by her new wallpaper collection.
To find out more about Sophie’s work, you can follow her on Instagram @sophierobinsoninteriors listen to The Great Indoors Podcast on your favourite podcast player or visit her website at sophierobinson.co.uk to find out more about her online courses and in-person workshops.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you'd like to reach out to Kim with an enquiry about general mortgages, please email: kim@themortgagemum.co.uk or call 07796 456580
Welcome to July’s episode, where guest hosts Kim Balasubramaniam and Sally Mitchell discuss the highs and lows of purchasing, renovating and living in a period property.
It’s a bit of a switch from the norm as both hosts are Brokers at The Mortgage Mum.
Kim is a Senior Broker who has lived in various period properties over the years and is currently renovating her 18th century cottage.
Sally Mitchell is a Senior Broker and Business Manager and has lived in period properties ranging from the 15th Century to 19th Century for the last 35 years.
Kim and Sally are both passionate about the historic significance of period properties and the different architectural styles and decoration they represent.
They believe they are quite simply unique and should be celebrated as the stars of the property world.
Sally says, “We understand that taking on an older property can be daunting but there is a lot of advice and help out there and, with a few tips, it doesn’t have to be a minefield.”
Kim says, “We want to encourage people to become the custodians of these very special buildings and look after them so they can be passed onto future generations as living, breathing homes.”
In this episode, Kim and Sally discuss:
Their love/ hate relationship with period property
Listed Buildings, the types of listing and the special measures you must take when purchasing or renovating one
The balance between making a building sustainable and preserving its unique historical features
Potential pitfalls to owning a period property
How to get a mortgage an insurance on period properties
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you'd like to reach out to Kim or Sally with an enquiry about period properties or general mortgages, please email either:
kim@themortgagemum.co.uk or call 07796 456580
sally@themortgagemum.co.uk or call 07549 158121
Have you ever considered Later Life Lending?
Today's new podcast episode on The Mortgage Mum Podcast features guest host, Manjit Kaur, who is a Senior Mortgage and Protection Advisor here at The Mortgage Mum as well as an Equity Release Advisor in our Later Life Lending team.
And we are delighted to welcome a special guest, Kay Westgarth, Sales Director at Standard Life Home Finance, who has worked in the later life lending market for five years and in the financial services sector for almost 30 years.
In this episode, Manjit and Kay answer your burning Later Life Lending and Equity Release questions. As always if you have any comments, feedback or questions, please let us know!
Manjit and Kay discuss:
- What is later life lending and how it differs from traditional lending
- Advantages and disadvantages of the Later Life Lending products available
- How does later life lending eligibility compare with a traditional mortgage
- What Equity Release can be used for
- The importance of the new energy performance certificates
- Advice for people aged over 55 who are considering later life
As advisers, we play an important role in helping older clients navigate later life lending options. We want to help those aged 55 and over access the money tied up in their homes, and being a part of the Equity Release Council, The Mortgage Mum's Later Life Lending team are trusted and highly knowledgeable on the latest guidelines from lenders and their products.
Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast
If you'd like to reach out to Manjit with a Later Life Lending, Equity Release or general mortgage enquiries, please email manjit@themortgagemum.co.uk or call 07956 810782.
Welcome to May’s episode, where guest host Gemma Bennett, Senior Broker at The Mortgage Mum is joined by Abigail Foster founder and CEO of Elent Financial Education.
Abi is an ACA chartered accountant and having recognised a severe gap in financial literacy within the workplace became passionate about doing what she can to amend this through relatable and easy to understand practical financial education, delivered through workshops in schools, universities and workplaces.
This led to the creation of ELENT. Gemma and Abi discuss the importance of better financial education and how Abi is assisting in bridging this gap for so many.
Her passion and drive to eradicate the gender pay gap and what she’s doing to inform the younger generations of the future workforce, with better conversations around finances.
Gemma discovered Abi on social media when recognising, from conversations with many clients and peers, that a need for a better financial education system is required and started wondering what was out there.
Stumbling across Abi with her tagline, ‘the financial education you wish you had learnt at school,’ Gemma knew she had found the person she was looking for.
Abi, posts creative, vibrant and energetic content on her socials that’s relatable and practical for all. Even elements such as understanding your payslip are so important and let’s be honest, so many people don’t, yet don’t admit this.
Our finances are part of our everyday and yet fluid conversations around our Pay, Tax, Pensions and Mortgages are still not the norm. Adequate comprehension around these elements of life is often not at the level it should be.
As a result, people feel disempowered or overwhelmed. This should not be the case! You shouldn’t have to be a financial professional to understand your day to day finances. Better conversations and education is important as we empower ourselves to take charge of such elements.
Money is part of everyone’s life and therefore cannot be a ‘taboo’ subject and must be spoken about. Abi is a truly fascinating and interesting woman and her intellect and passion is so infectious as she talks about her inspirations and goals with Elent.
We really hope you enjoy this episode and watch out for the launch of Abi’s online financial education platform coming soon!
Abigail’s website is www.Elent.com
Follow Abi on Instagram @elent_uk
Tiktok @elent_uk
Gemma is an award winning senior broker at the mortgage mum and can be contacted on Gemma@themortgagemum.co.uk
Follow Gemma on Instagram @gemmabennett_themortgagemum
Facebook @gemmabennett_themortgagemum
LinkedIn Gemma Bennett
Welcome to the second episode of our guest host series of The Mortgage Mum Podcast, as Sarah Tucker continues her maternity leave, trusting the team to carry on her fabulous podcasts during 2023!
Jade Timson-Proud, Senior Mortgage and Protection Broker is talking all things protection and asking you all some of the hard-hitting questions on whether you need life cover.
In the current cost of living crisis and financial stress being at the forefront of people's minds and the media, today Jade is going to simply try and take some of the stress away by helping you think about how you can protect your family from the unknown.
It is no secret, talking about Life Cover and Income Protection is not the most sexist of topics but it will forever be something we have to bring attention to and shine a light on.
Knowledge is power, and by the end of this podcast Jade aims, not just to inform you of the protection options available but how they can apply to you and your family, because at the end of the day this will always be about protecting your beautiful life you have created from the unknown.
We really hope this helps you all and if you'd love Jade to help you with your mortgage or protection needs, please get in touch via the below:
Email: jade@themortgagemum.co.uk Phone: 07368 190255 Instagram: jadetimsonproud_mortgages Website: https://themortgagemum.co.uk/our-team/jade-timson-proud/
Welcome to the first episode of our guest host series as Sarah Tucker takes maternity, trusting the team to carry on her fabulous podcasts.
Shelley Walker, Senior Mortgage and Specialist Finance Broker is joined by Hannah Mills talking all things property and the journey towards becoming self-employed.
Hannah has built a profitable property portfolio and sourcing company over the past four years with her business partner Gwyn Thomas. She’s no stranger to mortgages and is happy to give her candid views on the process for her as a self-employed business owner as well as a great insight into the property market.
Join Shelley and Hannah as they discuss:
How an employed Solicitor becomes a successful property developer and more importantly why
The advice taken before becoming self-employed and advice they wish they’d had
Experience of getting a self employed mortgage vs one whilst employed – genuine feedback from a Mortgage Mum client
Protection – why it’s important for individuals and business owners
Why you must work ‘on’ your business as well as ‘in’ it
Whether now is the right time to invest in property
How having a limited company can help you raise a deposit
To find out more about Hannah and the work that she’s been doing, you can find her across various social media platforms:
hannah.mills@bespokesourcing.co.uk
(4) Hannah Mills | LinkedIn
https://www.bespokesourcing.co.uk/
https://www.instagram.com/bespokesourcingltd/
Shelley is a Senior broker and a property investor and can be found here at The Mortgage Mum and on the following platforms:
shelley@themortgagemum.co.uk Mob: 07786 566888
(4) Shelley (Shickle) Walker | LinkedIn
https://www.instagram.com/shelleywalker_themortgagemum/
(9) Shelley Walker - The Mortgage Mum | Southend-on-Sea | Facebook
It's February!!! Can you believe it!?
I am SO excited to share this episode with you.
We have special guest, Jodi Peters, creator behind Instagram account @justonemorebuild and @jodisstylehouse and someone who has BUILT her dream home alongside her husband, inspiring her followers in the process!
They bought a bungalow that needed some love, on a great plot, and set to work.
Jodi says "My love for renovating and styling properties started at just 19, with a small budget, but a big dream to create a beautiful stylish home. Following that very first project, with a shared passion for renovating, my husband and I began our journey restoring and styling properties to sell, doing most of the work ourselves around our busy day jobs. With a limited budget, I would spend my spare time sourcing timeless, classic, new and pre-loved pieces, giving each home its own character and unique feel. Between us, we have renovated 5 homes, along with 3 knock-down re-builds, working and often living on building sites with our little family. It has been a tough, but completely worthwhile journey to finally create our dream home, business and life. From styling my own homes, along with friends and clients too, Jodi's Style House was finally born - a dream of mine for many years. Jodi's Style House takes my love of all things interiors into the homes of others, selling beautiful timeless pieces of homeware and furniture to help others create even more warm and welcoming homes too."
Join us as we discuss:
Jodi's top 10 tips for renovating or building a home!
Why you HAVE to find the right builder - and how!
How to create beautiful high end looks in your home on a budget!
Why patience is key
The things Jodi wishes someone had told her!
How to save money while dressing your home
So before you chuck old furniture in the skip, or think you can't have what you see on Instagram - listen in. You may be surprised at what is possible!
Please see our website for Jodi's blog that is mentioned in the episode: www.themortgagemum.co.uk and hit "Podcast" or "Blogs".
For Jodi's boot room post, click here:
https://www.instagram.com/reel/CiPF2A6KT8r/?utm_source=ig_web_copy_link
For Jodi's amazing play room on a budget post click here:
https://www.instagram.com/reel/CkSbcekqKzk/?igshid=YmMyMTA2M2Y%3D
A huge thank you to Jodi for joining us today, and we wish you so much luck with your next chapter in @jodisstylehouse!
And as always, a huge thank you to our editing team and our pianist Zoe Alexandria, who created our intro music.
If you or anyone you know is looking for mortgage advice to finance a renovation or a self build, we would love to help you, here at The Mortgage Mum.
We are a team of women based across the UK who are passionate and hard working and who pride ourselves on 5* customer service! We work at hours that suit you, and we love to educate and empower you along the way!
After all, this is the biggest financial decision of your life..... so make sure you've got the right team behind you all the way!
Visit our website to find out more:
www.themortgagemum.co.uk.
Thanks for listening!
Sarah x
Hello hello and a happy new year to you!
Welcome to 2023!!!!
I do love a new year and a fresh start, don't you?
We're going to make some predictions in this episode as to the mortgage market this year and how you can be best prepared.
We're also going to be talking about smaller ways to become more in control of your finances in 2023 and beyond.
Join me as I discuss:
-
House prices in 2023
-
Mortgage rate predictions in 2023
-
SWAP rates and how they affect the market
-
Bank of England base rate predictions
-
Inflation in the UK
-
A lenders' perspective
As well as:
-
A money action you can take NOW to change your money habits and improve your relationship with money
-
How I run my money spreadsheet every month
-
How I stopped over-spending
As always, a huge thank you to our editing team and our pianist Zoe Alexandria, who created our intro music.
If you or anyone you know is looking for mortgage advice, we would love to help you, here at The Mortgage Mum.
We are a team of women based across the UK who are passionate and hard working and who pride ourselves on 5* customer service! We work at hours that suit you, and we love to educate and empower you along the way!
After all, this is the biggest financial decision of your life..... so make sure you've got the right team behind you all the way!
Visit our website to find out more:
www.themortgagemum.co.uk.
Thanks for listening!
Sarah x
"The Man Behind The Mortgage Mum"
A very warm welcome to today's episode of The Mortgage Mum podcast - and this is a unique one.
Today, I’m joined by one of my closest friends and business partner, Jamie Lewis. Many people don't realise that there are two of us behind the Mortgage Mum brand, Jamie and myself.
I feel December is a time of reflection, to look at where you are in your life right now and be grateful for those people around you.
And I am incredibly grateful to Jamie for giving me the opportunity to be a mortgage broker around my own children in the first place, because he didn't have to, and The Mortgage Mum may not have been here now without that first opportunity.
Today, The Mortgage Mum gives opportunities to women all across the UK, allowing them to work flexibly around their families and carve a career for themselves that's as ambitious as they want it to be. We don't have to hide our children. They are fully welcome on one-to-ones, probation meetings or group meetings.
Our whole team is not made up of mums, but it is made up of women.
But wait…. This isn’t a female-only club. And there is a man behind the scenes (maybe more soon…. Watch this space!), and without this man none of it would have been possible.
So, today we're going to talk about the story behind the Mortgage Mum, with the man behind the scenes of it all - Mr Jamie Lewis and answer some of those tough questions, including....
DOES THE MORTGAGE MUM HIRE MEN?
As always, a huge thank you to our editing team and our pianist Zoe Alexandria, who created our intro music.
If you or anyone you know is looking for mortgage advice, we would love to help you, here at The Mortgage Mum.
We are a team of women based across the UK who are passionate and hard working and who pride ourselves on 5* customer service! We work at hours that suit you, and we love to educate and empower you along the way!
After all, this is the biggest financial decision of your life..... so make sure you've got the right team behind you all the way!
Visit our website to find out more:
www.themortgagemum.co.uk.
Thanks for listening!
Sarah x
Hello again! And happy November to you all! I can't believe how much is changing in the mortgage market from one month to the next!
In today's episode we'll be talking to you about the current mortgage market & the conversations we are having in today's market. We'll be talking about whether you should be fixing your rate in today's market? Or what it looks like to go on a tracker rate (which are becoming more and more popular)....
We'll be covering:
Fixed rates, tracker rates, variable rates and what each looks like in today's market
Whether going interest only is a good idea
What is going on behind the scenes in the mortgage market
How you can take control of your finances a bit more today
Needs and wants and monthly budgets
And so much more....
We hope it helps those of you who are considering your options in the mortgage world right now.
A huge thank you to Shelley Walker, Senior Broker at The Mortgage Mum, who kindly spent her time speaking to us on this episode. If you'd like to enquire for Shelley's personal advice please contact her via our website on Shelley's personal page, or on Shelley's social media:
Facebook - https://www.facebook.com/shelleythemortgagemum
Instagram - https://www.instagram.com/shelleywalker_themortgagemum/
Website - https://themortgagemum.co.uk/our-team/shelley-walker/
As always, a huge thank you to our editing team and our pianist Zoe Alexandria, who created our intro music.
If you or anyone you know is looking for mortgage advice, we would love to help you, here at The Mortgage Mum.
We are a team of women based across the UK who are passionate and hard working and who pride ourselves on 5* customer service! We work at hours that suit you, and we love to educate and empower you along the way!
After all, this is the biggest financial decision of your life..... so make sure you've got the right team behind you all the way!
Visit our website to find out more:
www.themortgagemum.co.uk.
Thanks for listening!
Sarah x
Hello again! And welcome to October! Is it just me or is this year flying!?
If you’ve been following us on social media in the last month, you’ll have noticed that we have been in the news…. A LOT. The mortgage market has been the subject of headlines for the last month, and you might be wondering why and what it all means.
In today’s episode I’ll be talking to you about why the mortgage market hit the headlines, and what you need to do about it.
HOMEOWNERS OR THOSE REMORTGAGING – This episode is for you if you are wondering whether to REMORTGAGE now and pay off your ERC. It’s for you if your remortgage is coming up and you’re worried about how you can afford monthly repayments that have increased significantly. It’s for you if you are wondering when you should be talking to a broker in advance of your fixed rate ending.
FIRST TIME BUYERS OR HOME MOVERS – This episode is for you if you’re wondering whether now really is the best time to buy? Should you wait? What do you need to take into account? It’s for you if you want to move but are now questioning your choice.
I really hope this helps you all, as I know it is a scary time for many households at the moment.
Here at The Mortgage Mum we are here to help! Contact any of us at any time for advice or reassurance – there are no “silly” questions!
We want to give you back the power by providing you with choices, knowledge and expert advice without judgment or jargon!
We’ve got you through this time…. x
As always, a huge thank you to our editing team and our pianist Zoe Alexandria, who created our intro music.
If you or anyone you know is looking for mortgage advice, we would love to help you, here at The Mortgage Mum.
We are a team of women based across the UK who are passionate and hard working and who pride ourselves on 5* customer service! We work at hours that suit you, and we love to educate and empower you along the way!
After all, this is the biggest financial decision of your life..... so make sure you've got the right team behind you all the way!
Visit our website to find out more:
www.themortgagemum.co.uk.
Thanks for listening!
Sarah x
Hello, and welcome to the refreshing, energised vibe that is September! I hope you all had a wonderful summer!
Today's episode is a really important topic to me, and one I feel really passionate about. It is still considered to be a bit of a "taboo" topic in industries such as ours, but thanks to the work of a few it is becoming more popular, and that topic is....
MENOPAUSE
What is it and how does it affect me?
Menopause affects all women at different stages of life, and can cause the end of a career for some if they are not supported and educated correctly. It is not just "hot flushes" and a sign of age.... Menopause can cause a huge variety of life changing symptoms, and peri menopause can be just as powerful if not addressed.
In today's episode, we speak to the wonderful Lucinda Pincott, Menopause Awareness Advocate. I met Lucinda at an event recently, where we were both asked to be a speaker on this topic. We connected personally and professionally and I knew instantly I wanted Lucinda to join the podcast for you all to hear her story and the invaluable insight she brings!
In this intimate conversation, we'll be covering:
Lucinda's story of how she became a Menopause Awareness Advocate and WHY
The symptoms of peri-menopause
The symptoms of menopause
How menopause can affect women in the workplace
How employers can help in the workplace
The support available
Lucinda has kindly provided us with further information and menopause help sites, which can be found as a link on our website - www.themortgagemum.co.uk in "Podcasts".
SUPPORT
• www.themenopausecharity.org – very comprehensive with sections on ‘how to talk to your GP’ and ‘how to talk to your employer’ with good symptom help sheets.
• www.henpicked.net – under the menopause tab there are lunch and learn videos/podcasts as well as a symptom checker and information on CBT, nutrition etc.
• www.menopausematters.co.uk – award winning, independent website with a comprehensive guide to all treatment options including unbiased guide to alternative therapies
• www.menopausedoctor.co.uk – hosted by menopause specialist - Dr Louise Newson (who also chairs the Menopause Charity). There are links to podcasts with easy-to-follow information and links to comprehensive leaflets on menopause with your partner, HRT, lifestyle changes, menopause at work and many more.
• www.menopausenow.com – a very easy to use symptom checker and useful guide to easy lifestyle changes
• www.daisynetwork.org – for those going through early or premature menopause and those with Premature Ovarian Insufficiency
Alternative Therapy sites:
• www.avogel.co.uk – an alternative therapy / herbal site. Promotes their own products but has a very useful symptom checker with suggestions of herbal supplements for individual symptoms.
• www.menohealth.co.uk – includes a link to fitness classes specifically aimed at menopausal women.
• www.lizearlewellbeing.com – a lot of general discussions and podcasts dealing with the general topic of the menopause and how to deal with it on a personal level. There is a link to a monthly magazine and under her Healthy Living tab she has menopause specific information. She is also the author of The Good Menopause Guide - see below
• www.marilynglenville.com a UK leader in nutrition specialising in women’s health. With a comprehensive guide to changing diet to combat symptoms. Based in Tunbridge Wells
• www.primewoman.com has a guide to the best exercise apps for women over 50
• https://www.discoveringsobriety.com a great support site that talks you through and supports you along the way to quitting or significantly reducing alcohol intake. Run by Anne Gilkes with very personal support.
APPS
• https://balance-app.com – a menopause support app which is a good way to track your symptoms and changing monthly cycle. Great to complete before going to the doctor.
• www.headspace.com a meditation app with easy beginner meditations
• https://www.squeezy.com – NHS pelvic floor exercise App. One in three women will suffer from some form of urinary incontinence during their lives. Half of all women will have some degree of pelvic organ prolapse. Start now!!
• https://www.balance-menopause.com/balance-for-partners very good for your support network
• https://coachchloe.uk/ Chloe Stephens runs an online group or 1:1 support for 6 weeks to help you learn how to make small, yet vital lifestyle changes that will help you at this stage of life.
• https://www.marvellousmidlife.co.uk/ Laura Shuckburgh runs online support (1:1) and help you work out what changes you can make to your daily routine. Bespoke service, weekly, bi-weekly or monthly to suit.
• https://www.carolynatkinsmovementcoach.co.uk/ Sevenoaks based and very personable yoga/nutrition/menopause coach. In person or via zoom sessions. • https://www.embracechangecoaching.co.uk Ipswich based – runs courses and 1:1 guidance. • https://www.health-works.net – Abir Hamza-Goodacre is a nutritional therapist and yoga teacher in Kent/East Sussex.
MENOPAUSE BOOKS
The Happy Menopause and The Happy Menopause Cookbook – Jackie Lynch
The Menopause Diet – Teresa Cheung
Oestrogen Matters – Dr Avum Bluming and Carol Tavaris
The Good Menopause Guide – Liz Earle (recipes and suggested lifestyle changes)
Healthy Eating for the Menopause – Marilyn Glenville
Natural Menopause – edited by Anne Henderson.
Cracking the Menopause – Mariella Frostrup and Alice Smellie
Manage your Menopause Naturally / The Natural Menopause Plan – Maryon Stewart
The Hormone Balance Bible – Shaun Tassone
SOCIAL MEDIA : there are a lot of very good sites – find one or two that suit your vibe/interest/humour/knowledge levels – they all offer great support and information: • @Menopause_doctor
• @Lizearlewellbeing
• @Mpoweredwomen
• @Drstephaniegoodwin
• @menopausewhilstblack • @marvellous_midlife • @megsmenopause • @Thelattelounge • @camillaelmsnutrition • @carolynatkinsmovementcoach • @coachchloe1 • @ohhelloperry • @drnighatsharif • • FB: thelattelounge: a paid for membership which is a lifestyle support network • FB: women with ambition, attitude and brain fog
PODCASTS
Dr Louise Newson – a whole range of interviews with relevant experts – I have a list of them all if you’re after a particular symptom/topic.
Postcards from Midlife –Lorraine Candy and Liz Halpin: general light-hearted chats with guests of menopausal age
The Midpoint with Gabby Roslin – general light-hearted chat with guests of menopausal age
Fortunately with Fi Glover and Jane Garvey – a look into behind the scenes midlife experiences.
List of Common Menopause Symptoms
Herbal/Diet Remedies
If this is your chosen route – an appointment with an NIMH accredited medical herbalist will save you time and money. Commit to it properly. It’s a true lifestyle change.
The information below is a summary from Natural Menopause (Edited by Anne Henderson). Symptom Herbal Remedy Dietary /
SUPPLEMENTS
Moodiness
Tea: lemon balm / St John’s Wort
Soya, chickpeas, lentils, Magnesium foods: almonds/brazil nuts. Omega 3 Supplement Physical Psychological
Hot flushes/ cold flushes
Brain Fog/Concentration Loss
Weight Gain
Low libido
Low libido / High libido
Mood swings/intolerance
Thin skin
Anger/Rage
Thinning Hair
Depression / psychosis
Aching Joints/Muscle Weakening
Low Self Esteem
Acne/ Dry skin/ itchiness/skin conditions
Irrational behaviour pattern
Vaginal dryness/vaginal prolapse
Low Self Esteem
Increased wind/looser bowels/Bloating
Poor Sleep
Increased BO/body smells
Weepiness
Tinnitus/hearing problems
Irrational behaviour
Menstrual Cycle changes: menopausal flooding/missed period/worsening PMS
Anxiety/Panic attacks
Migraine/headaches
Night Sweats
Bladder incontinence
Dizziness
Pins and Needles
Osteoporosis
Gum problems/ulcers
Electric Shocks
Lucinda Pincott:
perimenomentor@outlook.com peri_meno_mentor
Anxiety
Tea: lemon balm
Avoid Caffeine. Magnesium and potassium foods : bananas, nuts, avocado, seeds, legumes. Vitamin D
Hot Flushes/Sweats
Red Clover / Black Cohosh
Soya, tofu, chickpeas, lentils
Brain Fog
Morning cup of Rosemary
B12 – eggs, salmon, oily fish,. Omega 3. Anti-oxidant rich foods (green veg, avocado)
Fatigue and Insomnia
Daily doses of liquorice and mint tea
Iron foods – spinach, lentils. Protein. Maca powder.
Achiness/Stiffness
Liquorice, Black cohosh, German Chamomile
Omega 3 anti-inflammatory foods/supplement. Ginger, garlic. Cut out processed foods whenever possible. Magnesium foods (spinach/almonds/brazil nuts)
Urogenital symptoms (thinning skin/dryness)
German Chamomile tea
Cranberry juice (unsweetened). Water galore. Cut out caffeine.
Gut health/windiness/bloating/
Constipation etc
German Chamomile tea. Valerian
Ginger. Fibre (chia seeds, flax seeds. Wholegrains. Fermented foods – kefir, sauerkraut, unsweetened pro-biotics
Weight
Sage tea
High Fibre. Small portions. Probiotics and kefir.
Digestion
German Chamomile / lavender tea
Ginger. Fibrous diet and wholegrains. Fermented foods.
Libido/energy
Chaste Tea (slow to act but apparently it does)
Maca powder supplement. Antioxidant foods: walnuts, fish, green tea. Chickpeas. Zinc (supplement or in shellfish). Vitamin C foods.
Skin and Hair Changes
Chaste Tree Tea (for months)
Oily fish. (Omega 3). Water. Vitamin E. Vitamin C
SUPPLEMENTS
As with nutrition – it’s important to get good quality supplements to support you in the right way. There are thousands of products on the market and it can be a mine-field to navigate. Quality is vital – or you’re wasting your money. Get a professional opinion/therapist if this is your chosen route as it will save you time, frustration and money.
Natural doesn’t always mean safe – check current medications and remember that different supplements can work against each other.
And so much more....
We hope it helps educate and empower you, so you don't fear this chapter of your life!
A HUGE thank you to our special guest, Lucinda, we are so grateful to you and please contact Lucinda on:
Lucinda Pincott:
perimenomentor@outlook.com
Instagram:: peri_meno_mentor
As always, a huge thank you to our editing team and our pianist Zoe Alexandria, who created our intro music.
If you or anyone you know is looking for mortgage advice, we would love to help you, here at The Mortgage Mum.
We are a team of women based across the UK who are passionate and hard working and who pride ourselves on 5* customer service! We work at hours that suit you, and we love to educate and empower you along the way!
After all, this is the biggest financial decision of your life..... so make sure you've got the right team behind you all the way!
Visit our website to find out more:
www.themortgagemum.co.uk.
Thanks for listening!
Sarah x
Hello again! And happy Summer holidays to those of you who this relates to! We're loving a slightly slower pace, and some flexing.
As I mentioned in our July episode, we've decided to take a slower pace with the podcast across the summer and so we'll be bringing you monthly episodes for the foreseeable, talking about the hottest topics in the property market.
And in today's episode we'll be talking to you about Home Improvement mortgages.
We'll be covering:
How you can use your mortgage to improve or extend your home!
The pros and cons of paying for home improvements with a mortgage
The lessons of lockdown & the true value of our homes
The things we look for when doing a remortgage for home improvements
And so much more....
We hope it helps those of you who are considering improving your home using your mortgage.
In the next episode we have a special bonus episode on MENOPAUSE IN THE WORKPLACE that I can't wait to share with you!
As always, a huge thank you to our editing team and our pianist Zoe Alexandria, who created our intro music.
If you or anyone you know is looking for mortgage advice, we would love to help you, here at The Mortgage Mum.
We are a team of women based across the UK who are passionate and hard working and who pride ourselves on 5* customer service! We work at hours that suit you, and we love to educate and empower you along the way!
After all, this is the biggest financial decision of your life..... so make sure you've got the right team behind you all the way!
Visit our website to find out more:
www.themortgagemum.co.uk.
Thanks for listening!
Sarah x
Hello again! A month has flown by already!
As I mentioned in our June episode, we've decided to take a slower pace with the podcast across the summer and so we'll be bringing you monthly episodes for the foreseeable, talking about the hottest topics in the property market.
And in today's episode we'll be talking to you about Debt Consolidation mortgages.
We'll be covering:
How you can use your mortgage to get rid of your debt!
The pros and cons of debt consolidation!
Why you should only do it once!
How money reflects the lessons we're learning in life
The things we look for when doing a remortgage for debt consolidation!
And so much more....
We hope it helps those of you who are considering consolidating your debt using your mortgage.
Next month we'll be talking about funding home improvements using your mortgage, for the homeowners out there who may wonder how it works.....
As always, a huge thank you to our editing team and our pianist Zoe Alexandria, who created our intro music.
If you or anyone you know is looking for mortgage advice, we would love to help you, here at The Mortgage Mum.
We are a team of women based across the UK who are passionate and hard working and who pride ourselves on 5* customer service! We work at hours that suit you, and we love to educate and empower you along the way!
After all, this is the biggest financial decision of your life..... so make sure you've got the right team behind you all the way!
Visit our website to find out more:
www.themortgagemum.co.uk.
Thanks for listening!
Sarah x
We're back!
After a little break, we'll be bringing you monthly episodes across the Summer, talking about the hottest topics in the property market.
And in today's episode we'll be talking to you about New Build Mortgages.
We'll be covering:
Help to Buy Scheme, and it's expiry date
The new "Deposit Unlock" scheme
How much deposit you need to purchase a new build
Why the lenders typically see a new build purchase as higher risk
The Pros and Cons of buying a new build
And so much more....
We hope it helps those of you who are considering purchasing a new build property!
Next month we'll be talking about debt consolidation using your mortgage, for the homeowners out there who may wonder how it works.....
As always, a huge thank you to our editing team and our pianist Zoe Alexandria, who created our intro music.
If you or anyone you know is looking for mortgage advice, we would love to help you, here at The Mortgage Mum.
We are a team of women based across the UK who are passionate and hard working and who pride ourselves on 5* customer service! We work at hours that suit you, and we love to educate and empower you along the way!
After all, this is the biggest financial decision of your life..... so make sure you've got the right team behind you all the way!
Visit our website to find out more:
www.themortgagemum.co.uk.
Thanks for listening!
Sarah x
Do you have bad credit?
Do you have a CCJ?
A default?
Missed payments?
Are you wondering if you can ever get a mortgage?
Then this episode is for YOU!
Meet Rachel Jenkins, our adverse specialist mortgage broker who has changed people's lives by helping them change their financial story and get a mortgage EVEN WITH BAD CREDIT.
There is no room for judgment here.
No shame.
Just us helping YOU change things for the better.
To get in touch with Rachel please email rachel@themortgagemum.co.uk or follow her here:
https://www.facebook.com/rachelthemortgagemum
https://www.linkedin.com/in/racheljenkinsthemortgagemum/
https://www.instagram.com/rachel_themortgagemum/
The Mortgage Mum is a team of over 25 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
Are you dreaming of getting on the property ladder?
Do you wish you could get ready to have a mortgage?
Do you have no idea where to start?
We've got you....
Please meet Manda Walker, Founder of The Mortgage Coach, a soon to be a qualified financial coach (in May!) and Mortgage Broker at The Mortgage Mum.
Manda has helped hundreds of people to GET MORTGAGE READY and climb on the property ladder, and her passionate approach has allowed people to really LEARN about the process.
One of her clients has recently created the PROPERTY CLUB in his school for youths who want to learn more about owning property one day, inspired by Manda.
So if you are a first time buyer, or someone who is dreaming of owning a property this episode is for you...
Manda and I give you our TOP TIPS to get mortgage ready - things you can TODAY to help your future self get on the property ladder!
If you're interested in joining Manda's next FREE challenge, please follow her and find out more!
https://www.facebook.com/mandawalkermortgages
https://www.instagram.com/manda_themortgagemum/
The Mortgage Mum is a team of over 30 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk.
Please check her out on social media. She is so talented.
Did you know that over 90% of every decision we make around money comes from our unconscious beliefs?
In the brand new book ‘It’s Not About The Money’, Catherine Morgan reveals the journey from Financial Insecurity to Financial Freedom through the lens of financial trauma and the emotions of money. Through stories, inspiring thoughts, practical steps, and powerful exercises, you will be equipped to manage your money, mind and the behaviours that have prevented you from having financial peace of mind.
Catherine Morgan is a multi-award winning qualified Financial Planner and award-winning Certified Financial Coach, on a mission to reduce financial anxiety and increase financial empowerment & resilience for 1 million women around the world. Featured as One of the top 32 female entrepreneurs to look out for in Business Leader. She is host of the top 1% global podcast ‘In Her Financial Shoes’ and founder of The Money Panel ®. Recent winner of the Financial Wellbeing Champion of the year (Professional adviser) and Marketing Influencer of the Year 2022. She has been featured on Radio 4 Women’s Hour, in Forbes, The Telegraph, The Times, The Independent, The Financial Times, Stylist, Good Housekeeping, Closer, Marie Claire, Readers Digest, Stylist, The Daily Mail and Huffington Post. She also is author of the No #1 Amazon best seller book ‘It’s not about the money.’ ‘The way we treat money is a mirror reflection of how we treat ourselves.’ After almost losing her son to meningitis at 5 weeks old and spending years in debt shame cycles, she became determined to help women to release the guilt and shame they attach to money and change the financial services profession from one that is focused on products to one that is focused on behavioural change.
Join us in this connected interview where we talk openly and honestly about money trauma, and about how money relates to our relationship with ourselves. Catherine and I open up about our own money beliefs and stories, and I almost cried on more than one occasion!
It's amazing what can happen when you tell the truth and feel heard.
Thank you Catherine as ever for these moments and many more before today!
FOR YOUR FREE COPY of Catherine's incredible book, click here:
It's Not About The Money Book - www.itsnotaboutthemoney.com (just pay p&p!)
How to find Catherine:
https://www.catherinemorgan.com https://www.linkedin.com/in/catherine-morgan/ https://twitter.com/themoneypanel https://www.instagram.com/catherinemorganmoney/ https://www.facebook.com/catherinemorganmoney https://podcasts.apple.com/gb/podcast/in-her-financial-shoes-podcast/id1449065629 https://open.spotify.com/show/4ROazdeiXDFnz8OFo1xdKf https://www.youtube.com/catherinemorganmoney
The Mortgage Mum is a team of over 25 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria.
David Coleman is back!
And in this mini episode we are giving you a guide to HMO's. If you haven't listened to last week's episode on bridging loans with David, I'd recommend that you start there.
But today we are talking HMO's..... and what is a HMO I hear you ask?
A House in Multiple Occupation (HMO) is a property that is rented to three or more unrelated tenants.
They are becoming more popular with our investor clients as a lucrative form of property investment.
In this episode David answers your questions on HMO's to give you a guide as to how it works and why it might be the next investment for you.
The Mortgage Mum is a team of over 25 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email lauren@themortgagemum.co.uk.
Bridging loans...
They get a bad reputation in the market.... they're considered to be risky and expensive, and something to be avoided.
Let David and I explain what they're for and when you might need one!
David Coleman has become a bit of a household name in the mortgage industry, certainly on LinkedIn, and is genuinely one of the nicest guys in the mortgage industry. As a regular content creator, a part time DJ and a full time Head of Sales - he is an expert at all things specialist and a positive force of energy! His official "title" is Head of Sales at Positive Lending, a company who specialise in bridging loans, commercial finance, second charge loans, HMO's and much more.
If you don't follow him on LinkedIn, you need to. He gives a daily dose of positivity, and has a fantastic mindset that we can ALL learn from.
But back to bridging loans....
In this episode we are going to talk about:
-
What is bridging finance?
-
How expensive is it?
-
When would I use a bridging loan?
-
How can I get one?
In essence, everything you need to know to understand the world of bridging loans!
The Mortgage Mum is a team of over 25 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email lauren@themortgagemum.co.uk.
"It's so important that we all understand what is going on in the world of finance, and how it relates to you." In February 2022, we saw the the Bank of England increase the Bank of England Base Rate for the 2nd time in a row from 0.25% to 0.50%.
In this short (but hopefully useful) episode, I explain what this means for you, including the latest predictions in relation to interest rate rises and some mortgage advice around this.
Current Bank Rate: 0.5%*
*dated 4th March 2022
Next Base Rate Review: 17th March 2022
The Mortgage Mum is a team of over 25 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email lauren@themortgagemum.co.uk.
How can you get a lump sum if you're diagnosed with a critical illness?
This episode will guide you through the reality of critical illness cover, and why you need it, and includes special guest and co-host, Gemma Sawyer, one of our wonderful protection advisers.
We cover all of your questions on this topic, and Gemma shares her very personal story to why protection is so important to her.
Sadly, we see many cases of the unexpected happening, and it's our job to make sure you have protection if it does happen to you!
Let Gemma and I demonstrate why protection needs to be considered PART of your mortgage, NOT an "add-on".
If you need your protection reviewed for FREE, or you know someone who does, please refer them to us. We would love to help!
The Mortgage Mum is a team of over 25 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email
How can you keep an income if you suffer from an accident or sickness?
This episode will guide you through the reality of income protection, and why you need it, and includes special guest and co-host, Gemma Sawyer, one of our wonderful protection advisers.
We cover all of your questions on this topic, and Gemma shares her very personal story to why protection is so important to her, especially income protection!
Let Gemma and I demonstrate why protection needs to be considered PART of your mortgage, NOT an "add-on".
Watch out for part 3 coming soon!
And if you need your protection reviewed for FREE, or you know someone who does, please refer them to us. We would love to help!
The Mortgage Mum is a team of over 25 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email
What happens to your mortgage if you die?
This episode will guide you through the reality of life insurance, and why you need it, and includes special guest and co-host, Gemma Sawyer, one of our wonderful protection advisers.
Let Gemma and I demonstrate why protection needs to be considered PART of your mortgage, NOT an "add-on".
We cover all of your questions on this topic, and Gemma shares her very personal story to why protection is so important to her.
Watch out for part 2 and 3 coming soon!
And if you need your protection reviewed for FREE, or you know someone who does, please refer them to us. We would love to help!
The Mortgage Mum is a team of over 25 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email
Green Mortgages - what are they and why do we need them?
“Just like anything that is going to fix global climate change and all of the problems we face. It takes us all to do our bit”
Green Mortgages has definitely become a bit of a buzzword in the market. It's all I'm being asked about, as well as being booked for webinars to talk about.
I wanted to create a podcast episode about Green Mortgages, so that you can learn what it is, how it relates to you and decide if you want a green mortgage in the future.
This is the first episode on Green mortgages, but it most certainly won't be the last, so watch this space for more on this topic soon.....
And if you need a mortgage, or know someone who does, please refer them to us at The Mortgage Mum website. We would love to help!
The Mortgage Mum is a team of over 25 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk.
Are you buying and selling a property and don't know where to start?
Do you wonder what order things happen in?
Do you wish someone would explain the process to you so you're prepared?
Then listen in....
In this episode I talk to you about:
-
What to do first when you're buying and selling
-
How to pick the right estate agent
-
What fees are involved
-
The process and its order
-
How the exchange of deposit happens (especially when you don't have one)
-
What happens on completion day!
As always, Sarah breaks this information down in a way that is easy to understand. She is passionate about demystifying the mortgage market, and the house buying process, so that you can focus on the important things - finding a property you LOVE and following that gut feeling!
And if you need a mortgage, or know someone who does, please refer them to us at The Mortgage Mum website. We would love to help!
The Mortgage Mum is a team of over 25 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
YouTube
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk.
Your Complete Guide to Becoming A Mortgage Broker, hosted by Sarah Tucker & Sonya Matharu of The Mortgage Mum.
Tuesday 22nd February 2022 at 10am-1pm.
Ever wondered what it’s REALLY like to be a mortgage broker?
Not sure if mortgage broking is for you?
Thinking of a career change but afraid to commit to studying?
Do you wish you could try it out before you take a leap of faith?
Then this course is for you…
You may already be studying your CeMAP or not even know what the CeMAP qualification is….
Mortgages are a minefield, but so is starting out as a mortgage broker!
Which is why Sarah Tucker and Sonya Matharu and have created this exclusive course for you….
ABOUT YOUR HOSTS:
Sarah Tucker and Sonya Matharu are household names in the mortgage industry, winning the prestigious MI Awards for “Best Individual Broker” and “Best New Broker” as well as “Business Leader of the Year”, “Best Newcomer” and “Mortgage Broker of the Year” in 2021.
They are committed to using their voices to enhance the mortgage industry by welcoming in and inspiring new talent, removing the stereotype of a “mortgage broker”.
“Financial Services was previously a space that was intimidating (and still is to many) and we have certainly felt this as young women. We are re-designing the space in The Mortgage Mum to ensure no one else feels this way, whether you are an aspiring broker or a future client.”
ABOUT THE MORTGAGE MUM:
The Mortgage Mum is an Award-Winning mortgage broking firm with a difference.
At the core of their creation was a desire to create a safe space for women in the mortgage industry. A space that combined world leading customer service, wellbeing at the heart of its culture, flexible working, and a unique management and training style that suited “the modern parent”.
The London Institute of Banking and Finance has commended The Mortgage Mum on their commitment to bringing new talent into our industry, and for the training they receive on arrival.
“We know exactly how to support brokers, from taking their CeMAP exams to virtually sitting beside them as they submit their first mortgage application. The industry is widely criticised for the lack of support for new brokers, and we believe we are at the forefront of this change and will be used as the benchmark for other firms.
Your Complete Guide to Becoming A Mortgage Broker – what’s involved?
- Introductions
- Overview of the Qualification
- Guidance for when you’re qualified
- An Expert-led workshop on Mortgage Broking
- Exclusive “Behind the Scenes” of life as a mortgage broker
- Interactive Session: How to place a Mortgage
- Q&A
Investment: £299
This is an exclusive “try before you buy” and you will come away from the course with a true insight into whether this is the next career move for you, along with exclusive interview preparation questions and answers and a guaranteed spot on a future recruitment day with The Mortgage Mum.
We can't wait to invest OUR time into YOUR futures!
HOW TO SECURE YOUR PLACE
Email Lauren@themortgagemum.co.uk to request booking information. BOOK YOUR PLACE NOW!
Join us live here:
https://themortgagemum.co.uk/your-complete-guide-to-becoming-a-mortgage-broker/
In the next episode in our Property Investment Series, I interview the incredible Rachel Martin, a TEDx speaker, an author, a business owner and most importantly.. an accountant!
She is the founder of accountant_she, a female led accountancy firm which specialises in working with entrepreneurs, influencers and business owners. The company was built with the goal of helping clients get past the top three barriers to entry for women becoming self-employed which are cited as access to funding or finance, imposter syndrome and business support. She is author of the book, The Tax Guide for Influencers ™ which has had great success.
You can follow Rachel @accountant_she on Instagram, Facebook & YouTube - she is truly addictive and has the most amazing, contagious energy!
I ask Rachel all of the questions we ALL want the answers to, including (but not limited to!):
-
Do I need to pay stamp duty if I am purchasing a buy to let property via a Limited Company?
-
Do I pay stamp when moving property from sole trader to Limited Company?
-
Can I move money from a trading company to an SPV to purchase a buy to let without incurring tax?
-
Business protection
-
The frustrations of buying property when self employed and how to overcome them
Rachel was AMAZING and I am sure this isn't the last time we will speak. We also spoke about INTROVERTS and EXTROVERTS, how she set up and scaled her incredible business from 50 clients to 400 clients in 12 months. Our conversation was full of passion, information and inspiration.
If you are interested in training as an accountant, PLEASE look at Rachel's YouTube page! It's amazing!
And if you need a mortgage, or know someone who does, please refer them to us at The Mortgage Mum website. We would love to help!
The Mortgage Mum is a team of over 25 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Facebook -
The Mortgage Mum
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube -
The Mortgage Mum
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk.
Welcome!
This episode is COMPLETELY DIFFERENT to any other episode on The Mortgage Mum Podcast... We have invited a first time buyer guest to interview me LIVE on anything and everything they want to know! This is the 5th episode in our first time buyer series, and although it kept me on my toes I really loved it!
Introducing Febe Campbell-Collins.....
Febe spends the majority of her time managing 14 holiday cottages close to home in Cornwall and also hosts a podcast about not going to university, called ‘Not For Everyone’. Febe has seen from a young age how property can be a great investment so she is hoping to buy her first home as soon as the right one comes up! Whether that’s a ‘doer upper’ for her days off or a buy to let for some additional income, she doesn’t mind. Febe has been fortunate enough to have very little outgoings over the past 18 months, and has managed to save up enough to finally start looking for her first property but quickly realised she didn’t have a clue where to start.
Febe's questions were FANTASTIC, and though her situation is unique, I think so many of you will find useful tips here.
We will definitely do this style again, so please let us know how this episode lands for you! What was your key takeaway?
You can follow Febe and listen to her unique podcast here:
https://notforeveryonepodcast.co.uk/home - which interviews people who haven’t been to University to show young people that despite what we are told at school, you can have a successful career without going to University!
https://www.instagram.com/febeadelaide/
A huge thank you to you Febe for spending your evening quizzing me - I loved chatting to you!
And if you would like help from The Mortgage Mum to buy your first property, we are here for you!
The Mortgage Mum is a team of over 25 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Facebook -
The Mortgage Mum
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube -
The Mortgage Mum Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk.
Do you want to be debt free in 2022?
Did you overspend (again) this Christmas?
Is your new years resolution "to be better with money"?
Do you want to change the relationship you have with money?
Do you want to release yourself from your shame around money?
Do you want to feel empowered with money?
Are you thinking of becoming a mortgage broker and wondering what it's REALLY like?
Are you interested in hearing more about Gemma Bennett?
If any of the above apply, then this episode is for you.....
Today I am joined by special guest Gemma Bennett, Mortgage Broker at The Mortgage Mum, recently awarded "Rising Star" in The Mortgage Mum Awards 2021.
Based in Essex and raising her 2 children, Gemma brings so much joy and positive energy to this podcast, and to her mortgage broking!
Gemma has an incredible background in holistic therapy and counselling, specialising in stress management and helping people work through difficult emotions and find joy in their every day. She believes that she can utilise her skill set to infuse this into mortgage advice as a "facilitator of happiness".
Counselling is how our paths crossed many years ago. Gemma proves that you don't have to "always been in finance" to succeed in a career as a mortgage broker, and we talk about this during the episode.
In this episode we talk about:
-
Gemma's journey from therapy to The Mortgage Mum
-
How Gemma and Sarah became debt free, including their own personal stories on this
-
What you can do if you are in mounting debt
-
The psychology of debt
-
The habit of over-spending and how emotions affect this
-
How therapy compliments mortgage broking
-
How Gemma uses crystals to get her clients mortgage offers!
This episode is for first time buyers, AND home movers as well as crystal lovers. And for ANYONE who wants to improve their relationship with money in 2022 - essentially this episode is for EVERYONE and the perfect timing with the start of the a New Year!
And if you'd love Gemma to help you with your mortgage, please get in touch directly via The Mortgage Mum website:
https://themortgagemum.co.uk/our-team/gemma-bennett/
The Mortgage Mum is a team of over 25 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Facebook - https://www.facebook.com/themortgagemum1
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - https://www.youtube.com/channel/UCG899KReJ9NHLZfyK3CXrUw
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk.
“Women supporting women, you know, these have become buzzwords, but it's true if we get behind each other. It's like magic.” Sarah Tucker
What inspired this episode?
The very foundation of The Mortgage Mum has been built on the concept of ‘women supporting women’ and I see evidence of it every single day.
But there is more to this, and more that we NEED to be talking about.....
Women need to be managed differently.
I know that this is a really bold statement, but I also know it's true.
In this episode I talk about:
- What women are driven by
- Mum guilt
- Guilt in general
- Your cycle and why you need to work with it
- How to manage women effectively
The Mortgage Mum is about bringing women into a space that is otherwise described as unsafe or unsuitable for them, particularly if they have children.
We want to change more industries than ours.
We want to normalise safe environments for women to work and thrive in.
We want to change the world for our children, and our children's children.
Please support us with this message if you resonate with it by sharing this episode with friends and family, and consider how your own treatment at work could improve. Let's share ideas, let's keep this conversation flowing.....
The Mortgage Mum is a team of over 25 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Facebook - The Mortgage Mum
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - The Mortgage Mum
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk.
In this very special episode, we interview the amazing, energetic Sarah Cawood, British TV presenter, podcaster and Scentsy consultant.
In the 90's Sarah was best known for presenting Live and Kicking, but her CV speaks for itself! Between 1995 and 1996, she was a presenter for Nickelodeon, before presenting The Girlie Show. She then featured on Channel 5's Karaoke quiz show, Night Fever. She has also presented on MTV, and my personal favourite Top of the Pops. She was also a panellist on Lily Savage's Blankety Blank and Loose Women, and she has also co-presented the midweek and Saturday National Lottery programmes and was also a reporter on the Channel 4 show Richard & Judy.
In 1998 she took on an acting role, appearing as Angel in Todd Haynes's glam-rock drama Velvet Goldmine.
Now Sarah lives in Leigh on Sea with her husband, and 2 children - Hunter and Autumn and is a podcaster on her own podcast THE IRREGULAR BITCHES and soon to be podcast THE BIG HAIRY PODCAST.
She is also a passionate Scentsy consultant, among other projects.
In this episode, Sarah and I speak about EVERYTHING:
- MENOPAUSE
- MOTHERHOOD
- ADDICTION
- THE STRUGGLE OF "LOSING" FAME
- HOLLY WILLOUGHBY
- LIGHTS AND SCENTS
And so many topics in between.
It was WONDERFUL, and I loved it.
I'd highly recommend you follow Sarah:
@sarahcawood on Instagram
Sarah Cawood's Perfect Scents on Facebook
@theirregularbitches on Instagram
And check out her podcast:
Irregular Bitches on Apple Podcasts Irregular Bitches Watch out for The Big Hairy Podcast coming soon!
The Mortgage Mum is a team of over 25 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Facebook -
The Mortgage Mum
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube -
The Mortgage Mum Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk.
If you're considering investing in a buy to let property via a Limited Company, you need to listen to this episode!
There will be a follow up episode with an incredible accountant, who is going to answer any questions we couldn't / aren't allowed to so watch this space!
In the 3rd episode in our 10-part Property Investment Series, I'm delighted to welcome back Shelley Walker, Senior Broker in The Mortgage Mum team, to co-host this episode with me.
In this episode we are talking all about Limited Company Buy to Let. We answer all of your questions surrounding this topic, in a way that is easy to understand.
What is a Limited Company Buy To Let Mortgage?
How does a Limited Company BTL Mortgage work?
How does this differ from a personal BTL?
Do limited companies pay stamp duty on buy to let?
Can I transfer my Buy to Let property to a limited company?
Are Buy-to-Let Mortgages for Limited Companies More Expensive?
How Do I Set Up a Limited Company/Get an SPV (Special-Purpose Vehicle) for a Buy-to-Let Mortgage?
What is the lending criteria for a Limited Company BTL Mortgage?
What documents are needed when applying for a LC BTL Mortgage?
What deposit do I need for a Limited Company buy-to-let mortgage?
Advantages and disadvantages of a Limited Company BTL?
We also talk about Shelley's personal debate when buying her own portfolio of properties. This is a fantastic insight into the mindset of a successful Landlord, who really knows her stuff!
The article mentioned in this episode can be found below:
https://www.financialreporter.co.uk/blogs/the-pros-and-cons-of-limited-company-buy-to-let.html
If you are thinking about purchasing a buy-to-let property, or you are already a Landlord who may need to refinance some of your properties, we would love to help you!
Our term of experts have access to a wide range of lenders, and their knowledge and passion shines through for every client.
Head over to www.themortgagemum.co.uk to fill in our contact form!
The Mortgage Mum is a team of over 25 female brokers based all across the UK. We are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Facebook - https://www.facebook.com/themortgagemum1
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/.../sarah-tucker-the-mortgage.../
YouTube - https://www.youtube.com/channel/UCG899KReJ9NHLZfyK3CXrUw
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
Do you want to sort your spending in 2022?
Do you want to change the relationship you have with "budgeting" or managing your money?
Do you want to know how you can check if you can REALLY afford the move you're considering?
Are you thinking of becoming a mortgage broker and wondering what it's REALLY like?
Are you interested in hearing more about Sally Mitchell?
If any of the above apply, then this episode is for you.....
Today I am joined by special guest Sally Mitchell, Mortgage Broker at The Mortgage Mum.
Based in Dunmow in Essex in her beautiful Country home, Sally brings so much energy to this podcast! Sally is the Founder of "Sally's View" and is the most fantastic storyteller.
Sally has an incredibly diverse background, and brings so much warmth and experience - both to her mortgage advice and to today's episode.
In this episode we talk about:
-
Sally journey's to The Mortgage Mum, and to mortgage broking
-
Making a budget plan ready to move
-
Make a spending plan for 2022!
-
Behind the scenes of being a mortgage broker - the truth!
-
The reality of what you need to think about when it comes to considering whether you can afford that move..... and we're not just talking about the mortgage!
This episode is for first time buyers, AND home movers. And ANYONE who wants to improve their relationship with money in 2022!
Please email Sally at The Mortgage Mum if you'd like a copy of our budget / spending planner on sally@themortgagemum.co.uk.
And if you'd love Sally to help you with your mortgage, please get in touch directly via Sally's website links on our website:
www.sallythemortgagemum.co.uk
www.sallysview.co.uk
We also mention the wonderful Paul Archer in this episode, who we work very closely with, who offers training for your CeMAP qualification and beyond:
https://www.archertraining.co.uk/
The Mortgage Mum is a team of over 25 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Facebook - https://www.facebook.com/themortgagemum1
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - https://www.youtube.com/channel/UCG899KReJ9NHLZfyK3CXrUw
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk.
I was interviewed by AMI (Association of Mortgage Intermediaries) this week on the importance of protection, and I came away feeling so passionate, I just had to record this episode for you.
PROTECTION
INSURANCE
INCOME PROTECTION
LIFE INSURANCE
CRITICAL ILLNESS COVER
Am I losing you already?
This topic is SO important, and we need to be talking about it all the time, to raise awareness.
Lots of you want to get a mortgage, but not everyone wants to talk about protecting it if something unexpectedly happens.
Let me educate you in the comfort of your own home.
Let me show you that this isn't us trying to sell you something.
Let me guide you to peace of mind.
We have the most incredible specialist team in The Mortgage Mum for protection. They are experts in their field, and they ONLY do protection which I explain in this episode.
hey are passionate, driven, enthusiastic women who thrive from helping customers protect their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Facebook -
The Mortgage Mum
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube -
The Mortgage Mum Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk.
The 3rd episode in our 10-part First Time Buyer Series, I’m delighted to welcome back Sonya Matharu, Senior Mortgage Mum and Mentor here at The Mortgage Mum to co-host this episode with me.
In this episode we will be discussing the differences between going to your bank for a mortgage vs. going to a broker.
Now, we realise we are brokers and therefore biased but this isn't a 20 minute sales pitch, we promise!
We remain impartial as we explain the TRUE differences between the two. As always, removing any jargon and making it super easy to understand.
Our goal is to educate YOU, and give you back the power.
We also answer your questions you sent in, including:
-
What is the difference between a bank vs. broker when it comes to getting my mortgage?
-
Why do I need a broker?
-
Do all banks lend the same amounts?
-
Is it easier to use my bank as they have my paperwork?
-
What does a mortgage broker do?
-
How does a mortgage broker get paid?
And many more....
On top of this, you'll find our EXCLUSIVE reveal at the end of the episode.
Please email lauren@themortgagemum.co.uk to get your name on the waiting list!
The Mortgage Mum is a team of over 25 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Facebook - https://www.facebook.com/themortgagemum1
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - https://www.youtube.com/channel/UCG899KReJ9NHLZfyK3CXrUw
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk.
Kerry Ellis.
Broadway and West End Star, Singer, Actress, Mother of two and a loving wife.
But who is behind the brand of Kerry Ellis, and what is life really like as a West End star, and a Mother, especially during lockdown?
Kerry has fast become recognised as the leading lady of West End musicals from her starring roles in London and on Broadway. She was the first British Elphaba in the West End smash, Wicked, for which Kerry won the 2008 Whatsonstage.com Award for ‘Best Takeover in a Role’. She then immediately transferred to Broadway and played Elphaba at the Gershwin Theater for 6 months, where she won the Broadway.com Audience Award for Favourite Female Breakthrough Performance, before returning to London for 6 months in 2009.
Her many other leading role credits include Nancy in Oliver! at Drury lane, Eliza Doolittle My Fair Lady, Ellen in Miss Saigon and Fantine in Les Miserables.
I absolutely LOVED this interview. Kerry had an incredible energy, it was utterly contagious, and I so appreciated her taking the time to speak to us.
We talked in depth about:
-
Kerry's journey to now
-
The reality of lockdown for a performer
-
The life of a performing Mum
-
Nerves and anxiety
-
Behind the scenes of show business
-
How she met her husband
I could have talked to her for HOURS!
You can find Kerry at:
www.kerryellis.com.
@kerryellis79 instagram
@kerryjaneeellis1 twitter
Kerry also has her own podcast "Keep Calm and Kerry On" which has some fantastic interviews - you definitely need to give it a listen!
Please let me know how this podcast landed for you, and your key takeaways.
It created a real joy, and a series of lightbulb moments for me, and I think it's so rare to get a true window into the life of an extremely talented woman in show business.
Thank you Kerry, I can't wait to chat again soon.
Sarah x
In this episode of The Mortgage Mum Podcast we talk about holiday lets, and why they have become an increasingly popular investment. With the rise of UK staycations, and people rediscovering the beauty of Britain, it is no surprise that more people want to invest in holiday lets.
For one, the ROI (Return on Investment) is interesting! When you compare to a buy to let property, you can potentially earn the same rent in one week with a short term let as you can in one month with a buy to let property.
In this episode, we talk about:
- What is a holiday let?
- How does affordability work in a holiday let mortgage?
- How much deposit do I need?
- What are the pros and cons?
- How does the ROI compare to a buy to let property?
- How easy is it to get a mortgage for a holiday let?
And we share some details about one of our Mortgage Mum team - Colleen Sykes - who owns her own STUNNING cottage in Corfe Castle as a holiday let investment. I share her insight to why she chose this form of investment, and the pros and cons.
PLEASE check out Colleen's stunning house here - Acorns - https://www.classic.co.uk/holiday-cottage/desc-4828.html.
I know I'll be booking to stay there as soon as I can!!!!
I am super impressed with Colleen's investment here, as well as her stance on it, and I can't wait to see it unfold. I'm sure it will be a huge success.
As always, we aim to break difficult topics into easy conversations, so we hope you got a lot from this episode.
We love to hear from you as to how episodes landed for you so please contact us via our social media channels to let us know!
Head over to www.themortgagemum.co.uk to fill in our contact form!
The Mortgage Mum is a team of 30 women based all across the UK. We are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. We educate, empower and we give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Facebook -
The Mortgage Mum
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/.../sarah-tucker-the-mortgage.../
YouTube -
The Mortgage Mum
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
In this episode, I interview Claire Earwaker dos Reis, a will writer and Estate Planner from Expression Wills.
Claire and I had a really open chat about her journey to will writing, and her story was brave and beautiful.
We also talked about those all important questions that all our listeners need to know:
- What is a will?
- Who needs a will, when do you need to think about getting one?
- What happens to my estate if I don't have a will?
- What are the reasons for having a will?
- Wills aren’t regulated, what does this mean?
- Where should I store my will?
- What’s the cost of having a will written?
- What are the dangers of writing my own will?
- How do I go about arranging a will?
Claire says - "End of life planning is not the most sexy or glamorous of subjects, but it is such an important, but often neglected task. My passion is to create a safe space for people to explore their options and voice their concerns without being pushed into making decisions. Education comes first in providing people with the right knowledge so that hold the power to make their own decisions about what is right for them and their family without the pressure of a “quick sale”. I am also passionate about challenging the stereotypes typically associated with the industry and to bring will writing back in to the 21st century."
You can find Claire at:
https://expressionwills.co.uk/ https://www.facebook.com/ExpressionWills linkedin.com/in/claireedreis
As always, we aim to break difficult topics into easy conversations, so we hope you got a lot from this episode.
We love to hear from you as to how episodes landed for you so please contact us via our social media channels to let us know!
If you are thinking about getting a will, or revising your existing will, we would love to hear from you. Claire is part of our exclusive panel of will writers who have been hand picked by us.
Head over to www.themortgagemum.co.uk to fill in our contact form!
The Mortgage Mum is a team of over 20 female brokers based all across the UK. We are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Facebook -
The Mortgage Mum
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/.../sarah-tucker-the-mortgage.../
YouTube -
The Mortgage Mum Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
The 2nd episode in our First Time Buyer Series, hosted by Sarah Tucker, where we talk about "Loan to Value".
In this shorter episode, we are talking all about LOAN TO VALUE!!
-
What does LTV mean?
-
Why do we talk about LTV so much?
-
What was the noise my throat that was randomly made during this episode? Ha! Now you HAVE to listen....
-
Is it better to have a bigger deposit and why?
-
How much deposit do you need?
Sometimes we only have 10 minutes to listen to a podcast, so this is a great one for you!
Make a couple of notes if you can, or just let your sub-conscious listen to me in the background.
And once you've heard E1 in the First Time Buyer Series, please tell me what episode YOU PREFER - Co-hosted or Solo Hosted!! This podcast is FOR YOU so I want to hear your honest feedback.
DM me and let me know your thoughts!
Head over to www.themortgagemum.co.uk to fill in our contact form!
The Mortgage Mum is a team of over 20 female brokers based all across the UK. We are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Facebook - The Mortgage Mum
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/.../sarah-tucker-the-mortgage.../
YouTube - The Mortgage Mum
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
In this episode, I interview Rachel Ollington, an Estate Agent and working Mum who is breaking the moulds of her industry.
Rachel and I spoke openly about her journey to Estate Agency, from leaving school to launching her own Estate Agency practice, and how hard it can be to be a Mum who wants to be there for her children while building her own business. We also talk about Rachel's passion for first time buyers, and why her own teenagers and daughter has driven her to educate more on this topic!
Rachel's energy is contagious and she is SO easy to talk to! I'm sure you'll get so many valuable insights and tips from this episode, and I am also sure we will have Rachel back as she was such a great guest!
Rachel and I talk about those all important questions that our listeners need to know when BUYING and MAKING OFFERS on property:
- Should I bid under asking price?
- How do I know what to offer?
- Do I have to play the game, or can I be honest about my budget?
- Is the Estate Agent working for the buyer or the seller?
- Are property prices going up?
- What is it like to be an Estate Agent?
- Is the market still strong?
Rachel says "With over 23 years experience working within the property industry for independent, corporate and online estate agencies as well as working with property investors and qualifying as a mortgage broker, I have recently become a mumprenuer starting my own personal estate agency business to try and steer the service away from targets, figures and KPI's and make the process about the people and their properties. With my eldest daughter coming up to 20, I have a huge passion now more than ever for helping first time buyers get on the property ladder by giving them education and tools they need to maybe think outside the box to make that happen."
You can find Rachel at:
https://www.instagram.com/all_things_property_with_rach/
As always, we aim to break difficult topics into easy conversations, so we hope you got a lot from this episode.
We love to hear from you as to how episodes landed for you so please contact us via our social media channels to let us know!
Head over to www.themortgagemum.co.uk to fill in our contact form!
The Mortgage Mum is a team of over 20 female brokers based all across the UK. We are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Facebook -
The Mortgage Mum
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/.../sarah-tucker-the-mortgage.../
YouTube -
The Mortgage Mum
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
The first of our 10-part Property Investment Series, I'm delighted to welcome Shelley Walker, Senior Broker in The Mortgage Mum team, to co-host this episode with me.
In this episode we are talking all about buy-to-let! We answer all of your questions surrounding this topic, in a way that is easy to understand.
- What is a Buy to Let mortgage? - What was your motivation for buying Buy to Let properties? - How much can I borrow on a Buy to Let mortgage? - Do I need to have a certain income to get a Buy to Let mortgage? - How much deposit will I need? - Is it illegal to rent out a house without a Buy to Let mortgage? - Should I choose an interest only or repayment Buy to Let mortgage? - How many Buy to Let properties can I own? If you are thinking about purchasing a buy-to-let property, or you are already a Landlord who may need to refinance some of your properties, we would love to help you!
Head over to www.themortgagemum.co.uk to fill in our contact form! The Mortgage Mum is a team of over 20 female brokers based all across the UK. We are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish. Follow The Mortgage Mum on all social media platforms. Facebook - https://www.facebook.com/themortgagemum1 Instagram - https://www.instagram.com/the_mortgage_mum/ LinkedIn - https://www.linkedin.com/.../sarah-tucker-the-mortgage.../ YouTube - https://www.youtube.com/channel/UCG899KReJ9NHLZfyK3CXrUw Thank you for listening. Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
"This is not a battle of the sexes in finance. It is a matter of finding a joint way in order to create a more prosperous future for all of us.” - Olga Miler
In today's new podcast episode I am delighted to welcome Olga Miler!
Olga is the co-founder of a company called Smart Purse and is a global innovation expert specialising in women and finance. She’s been broadly recognised for her transformational achievements to change the financial services industry for women and gender equality, with features in the global press such as Sky News, BBC News, CNBC, The Financial Times, Bloomberg and The Guardian. She's won numerous awards including Inspirational Woman of the Year by City Wealth magazine and a place on the Senior Leaders in FinTech Power List by Innovate Finance.
On this podcast you're going to hear about her career at UBS and how she went on to co-found her own start-up - Smart Purse. Smart Purse offer courses and events to companies and individuals, which we discuss in this episode, and it's very exciting for those of you who work in the financial services industry, as they're improving the sector behind the scenes for women.
“There are so many other women like me out there in the shadows - well suited, well educated, brilliant women. But when it comes to the subject of money each and every one of them carries their own money story. There has to be something that I can do about this!” Olga Miler
So listen in to this eye-opening episode and don't forget to subscribe for more ground-breaking and much-needed conversations coming up in future episodes. The Mortgage Mum Podcast is available to listen to on all major podcast directories including Apple and Spotify.
And to enter our giveaway:
Smart Purse and Olga have kindly gifted The Mortgage Mum some COMPLIMENTARY tickets to their "Money Rally Event" on 16th October 2021. This is Smart Purse's signature event, returning for the 3rd time, and has past speakers including Charlotte Church, Ruby Wax and Alison Steadman. The event is centred around increasing financial understanding and confidence through expert led workshops and you can get your hands on those free tickets by putting your name down on the list. Our first 10 listeners to apply will receive a FREE ticket! Please email lauren@themortgagemum.co.uk if you’d like to be one of those lucky 10 and we look forward to seeing some of you there!
The first of our 10-part First Time Buyer Series, I’m delighted to welcome Sonya Matharu, Senior Mortgage Mum and Mentor here at The Mortgage Mum to co-host this episode with me. In this episode we are talking all about deposits!! We answer all of your questions surrounding this topic, in a way that is easy to understand: - How much deposit do you need to buy a property? - What difference does a bigger deposit make? - What do you do if you don't have a deposit? - What schemes are right for me to get on the property ladder? - Tips for first time buyers If you are thinking about buying your first property, we would love to help you! Head over to www.themortgagemum.co.uk to fill in our contact form! The Mortgage Mum is a team of over 20 female brokers based all across the UK. We are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish. Follow The Mortgage Mum on all social media platforms. Facebook - https://www.facebook.com/themortgagemum1 Instagram - https://www.instagram.com/the_mortgage_mum/ LinkedIn - https://www.linkedin.com/.../sarah-tucker-the-mortgage.../ YouTube - https://www.youtube.com/channel/UCG899KReJ9NHLZfyK3CXrUw Thank you for listening. Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk.
In the first episode of Series Two I talk to Denise Duffield-Thomas, Author of Get Rich Lucky Bitch and Chillpreneur. Denise is a money mentor for online entrepreneurs who want to make money and change the world. She helps women charge premium prices and release the fear of money. Her books Lucky Bitch, Get Rich Lucky Bitch, and Chillpreneur, give a fresh and funny roadmap to living a life of abundance without burnout and her Money Bootcamp has helped over 6,000 students from all around the world.
In this episode we talk about:
- Money blocks and Abundance
- Mindset and the Law of Attraction
- Affirmations
- Her journey to becoming a self made millionaire
- Becoming a published author
You can find Denise at:
https://www.instagram.com/denisedt/
https://facebook.com/denisedt
www.denisedt.com
Subscribe now for future episodes from The Mortgage Mum podcast.
Follow The Mortgage Mum on Facebook, Instagram, YouTube and Linkedin.
Catch up on Series One at www.themortgagemum.co.uk/podcast.
In this final episode of Series 1 Sarah Tucker talks about why she became a mortgage broker in 2015, and how that led to the birth of The Mortgage Mum in 2019.
She dives into the story behind The Mortgage Mum including a sneak peek into her new podcast series, and her story to The Voice UK.
Everyone has a story, and this is mine.....
If you are an aspiring business owner, this episode is a must listen.
And if you are a first time buyer or homeowner, or someone who wants to understand more about mortgage broking, the first part of this episode has all the answers you need.
For bespoke, personal mortgage advice tailored to you please visit www.themortgagemum.co.uk and get in touch with us today!
And if you want to reminisce on Sarah's blind audition on The Voice UK please click on this link - https://www.youtube.com/watch?v=q1Oxx8d-GhQ
In this final episode of Series 1 Sarah Tucker talks about the role of mortgage brokers and why you need them.
She also dives into the story behind The Mortgage Mum including a sneak peek into her new podcast series, and her story to The Voice UK in part 2.
If you are an aspiring business owner, the second part of this episode is a must listen.
And if you are a first time buyer or homeowner, or someone who wants to understand more about mortgage broking, this first episode has all the answers you need.
The questions sent into Sarah included:
What is the role of a Mortgage Broker?
Is it good to go through a Mortgage Broker?
Why go to a Broker?
What’s the difference between going to a Mortgage Broker and your local Highstreet Bank?
What services does a Mortgage Broker offer?
When should I see a Mortgage Broker? (At what stage in the process of applying for a mortgage/looking for a house).
Why is Southend-on-Sea a popular location to buy a property?
About The Mortgage Mum - When was this founded/ How long have you been in your role?
Does it cost anything to approach a mortgage broker like yourself for a general inquiry/advice/an initial consultation?
As always, Sarah aims to break this information down in a way that is easy to understand.
For bespoke, personal mortgage advice tailored to you please visit www.themortgagemum.co.uk and get in touch with us today!
And if you want to reminisce on Sarah's blind audition on The Voice UK please click on this link - https://www.youtube.com/watch?v=q1Oxx8d-GhQ
In this episode, Sarah Tucker talks about the basics of bridging finance.
- What is bridging finance?
- Why you might need it
- What are the pros and cons of bridging finance?
- How does bridging finance work?
- What is bridging finance good for?
Maybe you want to buy a property at auction and need access to money fast?
Perhaps you want to flip a property?
Or renovate a property over a period of time?
If you need access to money fast, and it's for a short term - a bridging loan could be the solution for you.
But first, please make sure you understand them!
As always, Sarah aims to break this information down in a way that is easy to understand.
For bespoke, personal mortgage advice tailored to you please visit www.themortgagemum.co.uk and get in touch with us today!
*Some of the products listed are not regulated by the Financial Conduct Authority, and we may refer you to a 3rd party for these services.
We only charge you a fee if we can help!
In this episode Sarah Tucker explores the brand new Government Scheme for First Time Buyers - the "First Homes Scheme".
This scheme launched on 4 June 2021, with its first site being put on the market in Bolsover district, East Midlands.
This scheme is one of many incentives from the Government to complete their pledge to build one million new affordable and attractive homes and help put home ownership within reach across the country.
"I think this is another fantastic scheme and I love the concept of 'paying it forward' - anything we can do to help our first time buyers gets my vote"
In this episode Sarah will talk you through the scheme, and explain the pros and cons of it.
She will answer your common questions on the topic including:
- What is the First Homes Scheme? (For key workers, for example, NHS staff and Veterans. Only on local new builds?)
- How does the First Homes Scheme work?
- How does the First Homes Scheme differ from the Help to Buy/Forces Help to Buy and Mortgage Guarantee Schemes, can they be used in conjunction with each other/other schemes?
- How much will the homes cost?
- How much deposit will I need?
- Will the First Homes Scheme be worth it?
- When will the scheme be available? (from the end of June?) How can you apply?
- How can a Mortgage Broker Help
For bespoke, personal mortgage advice tailored to you please visit www.themortgagemum.co.uk and get in touch with us today!
We only charge you a fee if we can help!
Ever wondered how to teach your kids about money?
In this episode Sarah Tucker interviews Will Rainey of Blue Tree Savings.
Blue Tree Savings as a company is on a mission to help as many parents as possible teach their kids to be great with money - something very important to all parents out there.
After years of providing investment advice to governments and insurance companies, and some of the world's largest pension schemes, Will founded Blue Tree Savings. He didn't just find Blue Tree Savings, he actually decided to change his and his family's life, and they moved to Hong Kong and then to Vietnam, and they have created for themselves the most wonderful life with their two children and are just an inspiration to how you can break the mould and do things your own way and how, when you have a clear purpose and a clear mission, your life can unfold in a quite remarkable way.
Even if you're not a parent, to just think differently about those things that you're chasing and the money that we're all kind of working towards and our money behaviours, which we've touched on in other episodes in the past.
We hope you get lots from this interview, we certainly had more than one light bulb moment.
Find out more about Will and the work he does at
https://www.bluetreesavings.com/
You can sign up to his "How to teach kids about money" online course by clicking here:
https://www.bluetreesavings.com/online-course
Is your mortgage rate about to expire?
Have you been offered a product transfer from your existing lender?
In this episode Sarah Tucker talks to you about why you STILL need to speak to a broker before you click the "switch" button...
If you have any questions for Sarah following this podcast please email sarah@themortgagemum.co.uk or contact Sarah on social media. Alternatively, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms:
Facebook -
The Mortgage Mum Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube -
The Mortgage Mum Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk
Sarah Tucker shares her expertise on helping you with your mortgage journey if you’re a professional in a specific industry. Read on to find out if you qualify...
What kinds of professionals can get good mortgage deals? In some professions, you not only have your qualifications and a structured career path, you also have some big advantages when you're looking for property finance and mortgages. There’s a long list of people that mortgage lenders class as professionals.
Considering the amount of time and money you've invested in your education and your training, it’s only fair that you get rewarded when it comes to mortgage advice.
The careers which usually allow you to apply for a professional mortgage are:
- Accountants
- Actuaries
- Architects
- Barristers
- Civil Servants
- Doctors
- Dentists
- Engineers
- Officers in the Armed Forces
- Optometrists
- Pharmacists
- Pilots
- Police Officers
- Solicitors
- Surveyors
- Teachers
- Vets
You'll usually need to be fully qualified, registered and practising in your profession and a member of your professional association. But some lenders will consider trainees, especially trainee accountants and trainee solicitors.
Do all lenders offer professional mortgage deals? What do they involve? Not every single mortgage lender offers professional mortgages, but there are plenty out there, all with different criteria and products.
In terms of benefits, you can often get better interest rates because lenders want your business. Do remember, though, that the rate is not the important thing when it comes to a mortgage. There's more to take into account when choosing a mortgage.
Many banks use their headline rate to draw you in, but you will also need to look at the costs in the background, the fees, valuation charges and admin fees. It's also about the rate you may revert to in the future, exit fees and more, depending on your plans.
You can also get better loan-to-value ratios. While there are 95% mortgages for non-professionals, lenders have additional products at better loan-to-values for professionals.
You can also borrow more, which is probably the biggest benefit, because they consider your profession to be less risky. Lenders can predict what you might earn in the future, and you have good job security. You’re a stable client because you've invested so heavily in your own training and professional development, and shown commitment to your career.
How much could I borrow with a professional mortgage? The typical mortgage amount is four and a half to five times your income. As a professional, you can get five and a half times your income and sometimes as much as six times your salary.
Because of that you won’t get realistic figures from a standard mortgage calculator. You need to speak to a broker. To get the best mortgage values you usually need to earn over £50,000 pounds, but it's different for each lender.
Some lenders are willing to be more flexible around your mortgage. Scottish Widows, for example, assess every single application individually rather than sticking to a formula. They offer an offset facility so you can use your savings to save money on your mortgage. You can also choose to change the terms of your mortgage or your monthly mortgage payment at no additional cost. If your mortgage is less than the agreed maximum amount, you can apply for a further advance after six months.
Can I get a professional mortgage as a Self-Employed Consultant? If you are a Consultant or you're Self-Employed in a professional career, lenders will look more favourably on that. They may even offer you a mortgage on just one year's accounts.
Non-professionals can potentially get a mortgage with one year's accounts too, but it might not be as competitive a deal. Lenders are looking for security, and they have more confidence in a professional consultant than in the average Self-Employed applicant.
Something to bear in mind is that every profession has a registered body and lenders will want to see that you are a member of the relevant organisation, or have been within the last five years.
Do I need a Mortgage Broker to find a professional mortgage? A Mortgage Broker can really help you as a professional because not every lender offers special treatment. A broker will know the ones that do and can compare all the different options to find the most suitable products.
Remember too that if you are a doctor or have any role in the NHS, we offer free mortgage advice for you, and also for police officers and emergency personnel. It's our way of saying thank you for everything you do, because you make a huge difference every single day.
If you have any questions for Sarah following this podcast please email sarah@themortgagemum.co.uk or contact Sarah on social media. Alternatively, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms:
Facebook - https://www.facebook.com/themortgagemum1
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - https://www.youtube.com/channel/UCG899KReJ9NHLZfyK3CXrUw
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk
In this episode Sarah Tucker, Managing Director of The Mortgage Mum, talks about the Bank of Mum & Dad and how they can help you buy property....
How to use the Bank of Mum & Dad to help you get on the property ladder
What is the Bank of Mum and Dad?
A recent report from Legal and General revealed that the ‘Bank of Mum and Dad’ now contribute to 26% of funds to the UK housing market. And if Mum and Dad were an actual bank, they would be the 9th biggest lender in the market.
84% of parents are helping their children get on the property ladder, 57% are doing that with a gift, 18.3% are doing it with a no interest loan and 4.8% are doing it as a loan with interest.
The Bank of Mum and Dad started as a phrase and has become a very real thing. Many parents are having to help their children get on the property ladder - saving for your first home is not easy. And sometimes the deposit is the main factor, but for other people, it's actually the affordability. There's lots of different help available for all of the different scenarios. And we're going to share how your Mum and Dad can help you get on the property ladder and all of the different ways they can do it.
Gifting money towards a property - how does it work?
So the first thing that your Mum and Dad can do is gift money. There's a big difference between being gifted money and being loaned money - lots of mortgage applications involve a gifted deposit. So this is a gifted amount of money that the child uses as a deposit. It's really important that we know if the parents are expecting the money back, because if they are expecting the money back, we have to take these payments into consideration when working out how much you're borrowing and how much you're able to borrow.
It has to be taken into account as a loan, as a commitment. Now on the whole, mortgage lenders do prefer the money is gifted and the difference here is if it's gifted, your parents have to sign a letter detailing how much they'll be gifting and that they do not want the money back - that the money does not need to be repaid and that they therefore have no interest in the property.
Gifted deposit letter
If your parents are gifting you money for a deposit, you will need them to write that letter. We have a template available for you. A lot of lenders have their own templates as well, but we know exactly what the wording needs to be. We will talk you through that and we'll tell you exactly what that needs to say. Often we'll give you the template and your parents can then fill in the blanks and sign it.
This is needed for the mortgage lender, but it's also needed from our perspective, just to make sure that everybody is in agreement, that the money is not being paid back and that we don't need to include it as a loan.
So that's the most common way that people help their children get on the property ladder is by gifting a deposit. However, that is not always possible for every parent. It’s a lot of money and there are other options out there if you don't want to gift the money. If your parent don't want to gift you the money, but you do want to find out ways that they can help you...
Have you heard of the Family Springboard Mortgage?
If you are struggling to save that deposit, there is something called a Family Springboard Mortgage from Barclays. We've actually done many, many cases on the Family Springboard Mortgage.
How does it work?
How it works is you own the property but use your family or friends savings as a deposit to buy your own house with your own mortgage, and they get their money back with interest. You don't need a deposit. You can borrow the full purchase price of your home because your helper provides 10% of security for five years, and this acts as your deposit.
If you're the helper, i.e. if you're the Mum and Dad, family, friend etc, you can help someone buy their own home. You don't have to be their parents. How you do that is you open a helpful start account in your name, which is linked to the mortgage, and you transfer 10% of the property purchase price into it. That is then used as security on their mortgage.
In five years time, you will get an attractive rate of interest on your savings for the agreed term. It's typically five years and you can help more than one family member or friend get their own place at the same time. Once you get your money back, you can obviously do it again.
If you're the homebuyer you don't need a deposit, you can use these savings. So you have 10% into a helpful start account and that will be your deposit. And then you'll borrow 90% of the purchase price. They'll need to keep it there for five years. As I say, you can borrow over 35 years, which can make things a lot more affordable for you, but we will look at the mortgage term completely tailored to you.
You select a fixed rate for five years so that you know exactly what your mortgage payments are going to be, and that they won't change over that time. So it can work brilliantly because the person who wants to help gets their money back and the person who needs the help gets the property and doesn't need to find a deposit. So that's a really, really good scheme with Barclays that we can help you with.
Another option is a Guarantor Mortgage...
Now the other way that you can help (as a parent) is you can actually go on the mortgage as well. So if affordability is the problem, and it's not really about the deposit, then you can go on the mortgage. And there's a few ways that you can do this. So lots of people use the term Guarantor Mortgages, and this is basically where the guarantors income is taken into account when lenders work out how much you can borrow.
Joint Borrower Sole Proprietor
There's something called joint borrower, sole proprietor, which is very similar, and that's where there's two of you on the mortgage, but the property will only be in one person's name.
That's sometimes really, really important to people that want to get on the property ladder. They don't want their parent to be on the deeds because that could involve a lot more stamp duty potentially, but also they want to own their own property. They don't want to own the property with their parents.
So you can go on the mortgage, but you don't have to go on the deeds, which is really useful. And particularly, as I say, with stamp duty, if you own your own property or multiple properties, you do have to take into account that there is an additional 3% stamp duty for any additional properties that you own over the first one.
That can add up to a lot of money.
First time buyers get a relief with stamp duty (at the time of recording the episode) so that’s going to be something you want to avoid if possible. Now, if you are thinking about having a Guarantor Mortgage, you need to take into account that the guarantor will need to be able to afford all of their own current commitments and lifestyle, as well as that mortgage. So you do need to look at affordability and a lender will look at it in exactly the same way as normal. So do bear that in mind. But it is a really good way of helping. There are lenders out there who will let as many as four applicants on one mortgage, and that can really help boost the income!
Are there any downsides to having a Guarantor Mortgage?
Now, the negatives of that is we have to take into account the age of your parents. If they're going on the mortgage with you, when we're taking into account the term. This is what can cause issues for lots of our clients who look to do this. Lots of you look to do this when you're not just first time buyers, but when you're looking at potentially splitting up with your partner and you're wondering how can you borrow this money on your own.
That's when we see this happen, a lot. What you've got to take into account is a mortgage lender is going to lend to retirement age generally. And so if your parents are not far away from that, then the mortgage payments can be quite high and that can affect affordability. But there are lenders that will go up to age 80.
It's not the be-all and end-all, if your parents are in your fifties or sixties, they can still help, but you just need to bear that in mind.
What about lending money to your children as a payback loan?
If you do want to lend your children money or your parents are thinking about lending you money you do need to bear in mind that the lender is going to take it into account as a loan. Some lenders won't accept borrowers if they take a loan to fund their deposit, even from parents. So it can be more tricky if you're doing it that way. It's not impossible though, so you just need to sort of let your mortgage broker know, and they can look into the options there. It's perfectly understandable if you want the money back, but that's where the family scheme may come into account and is a better way round of you doing it.
I've talked about Guarantor Mortgages and joint mortgages.
With Guarantor Mortgages sometimes a charge is placed against the Guarantors house. Now, what this means is that if you are the borrower and you don't pay your mortgage payment, that your guarantors home could be at risk.
Talk about it!
So it's really important that you do have these really upfront conversations going into this - it’s a big deal for your Mum and Dad to help you. You do need to be able to have those difficult conversations around money. I would say that's essential and uncomfortable, but essential because otherwise that's what can lead to arguments later on. It's serious, especially if someone is becoming a Guarantor, they need to seek their own legal advice so that they fully understand the commitment that they're taking on. We recommend that they do that every single time as do the lenders.
What about the Family Mortgage from the Family Building Society?
There are other ways that we can help. There's a lender called the Family Building Society. So it's no surprise that they do a family mortgage, which helps buyers with a low deposit to purchase a property using security provided by their family and the principle behind it is quite simple. It helps families help their take the first step on the property ladder. So as long as you have at least 5% deposit (and that can be gifted) and you have family that will give additional security by using their savings or having a charge on their own property, they are happy to help.
They can do 95% mortgages without the need for a gift or loan. And they have different rates obviously available and different affordability.
Now how it works...
Family members can help by providing security in one or a combination of three different ways, either:
- With family savings,
- With value in a family property or;
- Offsetting part of the mortgage.
So I'm just going to talk you through the savings. So they would put their savings in the family security account, which earns them interest too. If a buyer can find a 5% deposit from savings or a gift, then the family mortgage allows a family member to provide security for the buyer's mortgage in, by depositing savings in a family security account.
If the house is sold and the property is in negative equity, there is a risk that the money in the family security account may have to be used to make good any shortfall. So you do need to make sure you're getting all that legal advice around it because it's good when it's good.
We've got a case study that I'm going to talk you through just to try and help your understanding here, of how this would work in a real life scenario...
We’ve got the Wilson's story. So George Wilson is 55 years old and he earns a reasonable income as a teacher. His stepdaughter, Christine, has recently graduated from University and he'd like to help her buy her first home. However, he doesn't have savings to spare. Christine has saved seven and a half thousand, a 5% deposit towards buying the flat she's chosen.
She wants to borrow £142,500. However, George can't spare any cash, but he does own his home. The family mortgage will allow George to use some of the value of his home as security for Christine's mortgage. And by doing this, he can help Christine get a more favourable interest rate than she would otherwise be able to get.
He is not using the whole value of his home, just the £30,000 needed to secure Christine a better interest rate. And assuming she keeps her mortgage up to date, the charge on George's property comes to an end. After 10 years, during that time, he is liable for £30,000 of any shortfall should the flat have to be sold for less than the amount that Christine owes on the mortgage. It could mean he'll have to sell his house to find the money. However, the family building society helped by providing a safety net.
And finally, Offset accounts...
Now there's one other way that you can help your children or that your family can help you with the Family Building Society. And that is with a family offset account.
How can you offset family savings to reduce the amount of the Mortgage you pay interest on? So I am going to do an episode on Offset Mortgages in general, but this is really important.
We've got our case study where Dev is 27 and he's landed his dream job. He's finally able to afford the monthly payments on the kind of house he'd like to buy. He saved £10,000 for a deposit. Now, Dev’s grandparents have savings. They want to use them to help him, but they eed the money for their retirement. They're not able to gift it to him.
They put £50,000 of their savings into an offset account with the Family Building Society. They don't receive interest on it, which means that the benefit passes to Dev. So instead of Dev paying interest on the full mortgage, he only pays interest on the loan amount minus these savings of £50,000. This reduces his monthly payments and gives security for the mortgage, which means the interest rate he pays is also lower than he might've got otherwise. So the money remains his grandparents’ money provided he keeps the repayments up and then they can expect it to be returned in full after 10 years. The precise date will depend on the combination of fixed rate mortgage periods chosen by Dev.
The interest that they lose is likely to be less than the amount that Dev's saved by not having to pay interest on the full mortgage amount.
So that is another great way a family can help with affordability. They're a brilliant lender, but they're one of many who actually do help when it comes to looking for solutions for you that are a little bit out of the ordinary as always.
Why working with a broker is a good idea...
I would always say the best thing to do is find a broker that you know, like, and trust that you can have those conversations with and brainstorm, because actually what you need sometimes is a soundboard. We do lots of Zoom calls with parents. We'll do a whole family meeting on Zoom so that everybody feels super comfortable and everybody understands exactly what's happening. The other beauty is we can record all of those Zoom calls. So if somebody can't make the Zoom call or the Team's call, then we can record it so that that can be played back to them and they can feel really comfortable with all of it.
It's a big deal for the child and it is a big deal for the parents. It's not something that everybody can do and so it's just useful to know the different ways.
Finally, to summarise...
In summary, if you are thinking about asking your parents to help you get on the property ladder, or if you're a parent wondering if you can help in some way, you can gift money, you can loan money, you can go on the mortgage and not on the deeds, you can go on the mortgage and go on the deeds. You can have a charge on your property to act as collateral. You can put money into savings accounts, which can act as a deposit or indeed offset some of the interest of your child's mortgage.
You could remortgage as well, so you could remortgage your house which is still really gifting or loaning money, and obviously there are other options out there that don't involve a mortgage such as personal or secured loans.
Just think really carefully, make sure you're getting legal advice. If you're a parent, make sure you're fully understanding what the risks are.
Money is very emotive and it can be very awkward to talk about, but if you are thinking about going into an arrangement with your children, you're going to need to have those conversations and get really comfortable about talking about the uncomfortable. We are extremely passionate about helping people get on the property ladder and extremely passionate about making sure people understand exactly what they're doing when it comes to their mortgage.
If you have any questions for Sarah following this podcast please email sarah@themortgagemum.co.uk or contact Sarah on social media. Alternatively, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms:
Facebook -
The Mortgage Mum Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube -
The Mortgage Mum Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk
Do you want to know all of the details of the 95% Mortgage Guarantee Scheme?
You have been sending in your questions, and in this episode I answer them ALL, including:
-
What is the Mortgage Guarantee Scheme?
-
What is a 95% mortgage?
- What is the difference between the Help to Buy Scheme and the Mortgage Guarantee Scheme?
- Why has the government launched the scheme?
- Who is eligible to apply?
- Which lenders will be/are offering mortgages under the scheme?
- What rates will be/are available on 95% mortgages?
- Are there any 90% mortgages available?
- Can you get a 95 mortgage on a new build?
- Can I buy a house with a 5% deposit?
- Can I use the new 95% mortgage guarantee and take advantage of the stamp duty holiday at the same time?
- What are the advantages/ risks/disadvantages?
- Will house prices go up or down?
- Should I save for a bigger deposit?
- How much can I borrow with a 95% mortgage?
- What are the alternatives to the mortgage guarantee scheme?
- Help To Buy Equity Loan Scheme - new scheme from April 2021 - March 2023
- Shared Ownership
- Guarantor Mortgages/Familly Assist
As always, I aim to break this information down in a way that you will understand.
On a side note, have you checked your credit report recently?
If you'd like to get an exclusive Mortgage Mum FREE 30 day trial with Check My File please use this link:
https://www.checkmyfile.com/?ref=sarahtucker2&cbap=1
If you would like to apply for the EXPERIAN BOOST scheme Sarah discussed please follow this link:
https://www.experian.co.uk/consumer/experian-boost.html
This can help you INSTANTLY boost your credit score!
If you have any questions for Sarah following this podcast please email sarah@themortgagemum.co.uk or contact Sarah on social media. Alternatively, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms:
Facebook - https://www.facebook.com/themortgagemum1
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - https://www.youtube.com/channel/UCG899KReJ9NHLZfyK3CXrUw
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk
In this episode Sarah Tucker tackles the subject of credit reports and credit scores.
After appearing on BBC Essex in May 2021, Sarah had a lady come on the radio to ask her lots of questions about credit reports and what they mean. It was clear that there is a lack of information out there to help you know what to do with your credit report, and why you need it!
So let The Mortgage Mum break it down for you....
There are 3 credit agencies - Experian, Equifax and Transunion (was Callcredit).
Each agency records details of your active and closed credit (bank accounts, credit cards, loans) and stores it in a report. The combination of data gives you a credit score.
Mortgage lenders generally use this data, and your score, to determine your risk as a client.
Each mortgage lender refers to different agencies, or a combination of them. As brokers - we know this information and it can make ALL the difference between you getting a mortgage approved, or not.
Not enough people are checking their report regularly.
There are sometimes incorrect data on your report, or accounts that should be closed - being aware of your credit report and score is super important!
The reports give us a full picture of someone's credit, and how they use it.
This episode will educate you and hopefully inspire you to become more credit aware. We can't wait for you to get your own reports regularly, and let us know here at The Mortgage Mum of any surprising findings you have!
As always, Sarah aims to break this information down in a way that you will understand.
The Mortgage Mum have an affiliate relationship with Check My File, where you can get a 30-day free trial. Check My File sees your data from all 4 credit agencies, not just one, and is consistently rated excellent on Trustpilot. Your trial, and the subscription, can be cancelled at any time. Beyond the 30 day free trial the service is charged at £14.99 per month.
Please use our exclusive link below:
https://www.checkmyfile.com/?ref=sarahtucker2&cbap=1
If you would like to apply for the EXPERIAN BOOST scheme Sarah discussed please follow this link:
https://www.experian.co.uk/consumer/experian-boost.html
This can help you INSTANTLY boost your credit score!
If you have any questions for Sarah following this podcast please email sarah@themortgagemum.co.uk or contact Sarah on social media. Alternatively, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms:
Facebook - https://www.facebook.com/themortgagemum1
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - https://www.youtube.com/channel/UCG899KReJ9NHLZfyK3CXrUw
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk
Japanese Knotweed Explained
Sarah Tucker, AKA The Mortgage Mum turns her attention to this rebellious root, a weed that can interfere with your mortgage, moving house and more. Read on for useful facts, tips and advice…
What is Japanese Knotweed? It’s a very aggressive weed that lies dormant through the winter months. It rapidly grows in spring - as much as a foot in a single week! It can reach a height of six feet above the ground, but it's underground that it actually does the most damage.
First, it can ruin a garden because it strangles all other plant life. Then, when it comes into contact with a property, it can root deep into the ground and damage foundations, drainage systems and walls. Ultimately, it can make a house unsellable.
A further challenge is that when Knotweed appears to have been dealt with, it can split and grow back as before. It can be a big problem when building an extension or conservatory or laying a patio, because digging through a root can reawaken it.
How did Japanese Knotweed come to the UK? It was brought over by a horticulturalist called Philip von Siebold, who found the plant growing on the side of a Japanese volcano and decided to use it in ornamental gardens. What he didn't realise is that to survive in volcanic soil, the plant had evolved to have very deep roots.
Once brought to the UK, railway companies used Japanese Knotweed widely on embankments because it seemed an ideal way to prevent landslides.
Is it in my area of the UK? Japanese Knotweed can be found anywhere in Britain in any soil conditions. According to UK government figures, the cost of controlling Japanese Knotweed has now hit £3 billion. £130 million was spent removing it on a site being used for London's 2012 Olympic Games.
Is it easy to tell if you have it? Japanese Knotweed is quite an attractive plant that can be mistaken for other species. It’s not that unusual for it to be wrongly identified, causing a property to fall in value, only to discover that it’s not Japanese Knotweed at all.
So it's really important that you do get a specialist to identify it. Get more than one opinion, because there are different types of similar-looking knotweed, which may not be expensive to remove or so damaging to property.
Can you get a mortgage on a house that has Japanese Knotweed? Many mortgage lenders are concerned that Japanese Knotweed affects not just the existing structure, but future structure like extensions and renovations. As a result, many are reluctant to lend on a property with it - but some will. A broker can help you find a mortgage provider that will offer a loan in this situation.
Whether you can get a mortgage is led by the information a lender gets from property valuers. The Royal Institute of Chartered Surveyors has five categories for Knotweed valuations:
Category One: No Knotweed on the property or nearby.
Category Two: Japanese Knotweed is not seen on the property, but it can be seen in neighbouring properties, more than 7 metres from the property boundary.
Category Three: The plant is not within the property, but it's seen in neighbouring properties within 7 metres of the boundary. It is more than 7m from the house or flat.
Category Four: Japanese Knotweed is present within the property’s boundary, but is more than 7m from the building itself. Any damage is minor.
Category Five: The plant is seen within 7m of the property, within the boundaries or in neighbouring properties, and is already causing serious damage to outbuildings, paths, drains and walls.
Categories four and five mean immediate professional help is needed. A lender will want to see evidence of treatment plans, funds to pay for the treatment and insurance to cover any future reappearance of the plant.
If the property is in categories two or three, lenders want to make sure that you’re aware of the Knotweed, and will ask you to sign to confirm.
How expensive is it to remove Japanese Knotweed? It can be very expensive to deal with - it can cost thousands or even tens of thousands of pounds.
Physical removal might involve removing soil three metres down and seven metres across from the edge of the visible growth. Everything that is removed has to be sent to a licenced waste management facility so that it is dealt with properly. You will also need insurance against it regrowing.
Could I buy a property that has Japanese Knotweed without knowing? The seller of a property is legally obliged to declare if Japanese Knotweed is on the land. Your estate agent should be aware of this - they have to ensure the seller knows the implications of not disclosing this, because it could result in them being sued.
If Knotweed is present, an estate agent should advise you or your seller to look for a remediation firm that offers a warranty for completed work and that is protected by an independent insurer. This will give both the seller and the buyer peace of mind that the property is protected for the future.
It’s important, to be aware, though, that if you are buying a new property, this rule doesn't apply. House builders are under no legal obligation to declare if the site has any historical Knotweed issues. This is a good reason to make sure you have a thorough survey done.
What happens if my neighbours have Knotweed on their property? If your neighbour has Japanese knotweed and they're not controlling it properly, they can be issued with an anti-social behaviour order. There can be disputes about who should pay for the treatment if it's spread from one property to another.
If your property is next to a commercial railway, again it's important to check carefully. Network Rail recently lost a court battle with a resident whose land had been infested by Knotweed from a railway embankment nearby.
What should I do if I think I have Japanese Knotweed at my property? A great place to look for advice and support is a website called JapaneseKnotweed.com.
You can upload a picture, get the plant identified and then arrange a survey. You receive a report explaining the best treatment options and costs, they carry out the work and then resurvey the site to establish whether it's been successful.
In terms of what it means for a mortgage or remortgage, it varies by lender. One mortgage provider will want a 10 year insurance policy, for example.
In summary, though, Japanese Knotweed won’t necessarily mean you can’t buy or sell a property - it’s a question of getting good advice, taking the right steps and talking to an experienced broker for support.
Christy Whitman is a Transformational Leader, Celebrity Coach and Law of Attraction expert, as well as the two time New York Times bestselling author of The Art of Having It All. She is also the author of the international bestseller Quantum Success.
Christy has appeared on the news, The Today Show, The Morning Show, Ted X, and The Hallmark Channel and her work has been featured in the media in various publications. She’s been featured in Goalcast, People Magazine, Seventeen, Woman’s Day, Hollywood Life, and Teen Vogue, to name a few.
Christy is the CEO and founder of the Quantum Success Learning Academy & Quantum Success Coaching Academy, a 10-month Law of Attraction coaching certification program. Christy has helped certify over 3,000 life coaches and has helped countless others to unlock their power to manifest.
She currently lives in sunny Arizona with her husband and two boys. Meet her at www.christywhitman.com.
In this episode Sarah Tucker and Christy Whitman discuss her new book "The Desire Factor" www.thedesirefactor.com and have a beautiful discussion about the law of attraction and how we can create the life we dream of!
Sarah had some real light bulb moments in this episode about her experience on The Voice UK, and her own experience of manifestation thanks to Christy's wisdom, and we really hope you do too.
Sarah asks Christy these questions:
• What are 5 common obstacles that may be standing in your way of manifesting your desires?
• We hear that having desires is evil or the root to all suffering, but you state this is not the case. Can you explain?
• You say hard work is not the key to creating what you want. What is?
• How do you prevent people from limiting your desires without threatening the relationship?
• What do the happiest and most successful people do with their desires?
• What are the two things that can stop someone from creating what they desire?
• You speak about universal laws that each one of us needs to be aware of, understand, and know – why?
• What are some of the 7 essential laws?
And the 2 questions Sarah always asks her guests:
• What is the biggest lesson you've learned?
• What inspires you the most in your life?
ORDER CHRISTY'S INCREDIBLE BOOK - "THE DESIRE FACTOR" at Amazon.
If you have any questions for Sarah following this podcast please email sarah@themortgagemum.co.uk or contact Sarah on social media. Alternatively, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms:
Facebook - The Mortgage Mum
YouTube - The Mortgage Mum
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk
In this special spotlight episode Sarah Tucker interviews Gary Das - a well known personal brand in the mortgage and financial services industry!
Gary is a Performance coach and mentor focused on helping service-based business owners to build a fun and profitable lifestyle business. Entrepreneur, Speaker, Podcaster, Best-selling Author The host of the ProActive Podcast and Financial PRO podcast On a mission to inspire the world to be more ProActive so everyone can achieve more mentally, physically, and financially.
Gary and Sarah talk about:
- Gary's journey to success and the ups and downs of business ownership
- How he rode the credit crunch in 2008
- How marketing changed Gary's career
- The power of coaching, self development and mentoring
- The difference between a coach and a mentor
- How to generate leads effectively online
- The power of a personal brand
- How Gary helps other financial advisers achieve success in their lives and business
- The importance of automation, and processes
- Why Gary set up the ProActive Podcast!
- Gary's book on Self Employed Mortgages
You can find out more about Gary on www.garydas.com and how you can work with him.
You can find Gary Das on all social media channels:
https://www.instagram.com/garydas
Gary Das
And listen to his podcast - The ProActive Podcast and Financial PRO Podcast on all major platforms.
If you have any questions for Sarah following this podcast please email sarah@themortgagemum.co.uk or contact Sarah on social media. Alternatively, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms:
Facebook - The Mortgage Mum
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - The Mortgage Mum
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk
Sometimes what you WANT is not what you NEED.
As Alex quotes in this episode:
Henry Ford once said "If I had asked people what they wanted, they would have said faster horses"....
"How much can I borrow on a mortgage?" and "Mortgage Calculators" are 2 of the most googled mortgage questions. We explain why this is a pointless exercise for you, and the reason these companies entice you in this way!
In today's episode Sarah Tucker talks to Alex Curtis, Founder of The Lead Engine about why you shouldn't use a mortgage calculator to find out how much you can borrow, and the reason that websites use a calculator to get your data!
Alex Curtis started his digital marketing career part-time whilst still at university in 2004 Alex worked for 2 digital marketing agencies until 2014 when he started his journey as a freelance digital marketing consultant.
Since then The Lead Engine team has grown, working with far more businesses and bigger clients making a name for themselves as one of the top digital marketing firms in the financial services industry.
Alex hosts The Advisers Assemble Podcast and Facebook community of the same name. Pre-lockdown his company ran two annual marketing masterclass events for financial advisers too.
The Lead Engine is a lead generation marketing agency for financial services. Traditionally brokers and advisors either rely on introducers, referrals or buy leads from third party websites. With either a lack of knowledge or feel like they are bogged down by compliance, small to medium-sized broker firms rarely market their own business and brand to generate leads.
The Lead Engine was formed to disrupt this trend and help financial services companies generate warmer leads for a lower cost using their own brand and website.
This is in total alignment with The Mortgage Mum brand, and what we stand for!
Listen in as we discuss what marketing companies ACTUALLY do with your data, and why its unethical to mortgage brokers and to consumers.
Let's work together to change this! Speak to a broker today and let us bypass the calculator for you, without selling your data.....
If you have any questions for Sarah following this podcast please email sarah@themortgagemum.co.uk or contact Sarah on social media. Alternatively, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms:
Facebook - The Mortgage Mum
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - The Mortgage Mum
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk
Non-Standard Construction Mortgages - The Mortgage Mum
I’m asked a lot of questions about non-standard construction properties and mortgages. People often want to know if it’s a bad idea to buy a non-standard construction home - and is it harder to get a mortgage? And where do you stand with buying a barn conversion?
What do mortgage lenders class as non-standard construction?
A non-standard construction house is built from materials that, unsurprisingly, don't conform to the standard definition. A standard property is built out of brick or stone walls with a roof made of slate or tile. Anything else is considered non-standard construction.
Today more and more properties are considered non-standard construction. These are both new builds and also older, especially wartime properties. Every lender has different criteria and rules regarding the types of property they're happy to lend on.
Should I avoid a non-standard construction home?
The great news is that various lenders are happy to give you a mortgage on a non-standard construction property. So don't be put off. There are a few factors involved and some things to be aware of, but generally, it’s straightforward to get a mortgage on a non-standard construction property.
What are the features of a non-standard construction property?
Typical examples of non-standard construction are properties with a thatched roof or flat roofs, listed buildings, flood risk properties, unusual construction properties, prefabricated concrete houses, and timber frame properties.
The reason why properties are classed as standard and non-standard is to help lenders consider their risk. As a general rule, non-standard properties are considered riskier.
What are PRC houses?
PRC stands for Precast Reinforced Concrete - which is a common example of a non-standard construction house. They are also called Airey houses, Cornish houses, Laing Easi-Form, Wimpey No-Fines… there are lots of different names and types.
Reinforced concrete houses helped provide housing for lots of people after WWII in desirable locations outside the big cities. Concrete was cost-effective, lightweight, hard wearing, and fireproof.
But 20 to 30 years on, it became clear that these concrete houses were not ageing well. The steel supports were corroding and concrete blocks were becoming cracked, prompting mortgage lenders to stop offering mortgages on these properties. Today, there are ways to repair these properties and make them acceptable to a mortgage lender, via a PRC certificate. You will need professional advice and a structural engineer for this.
How do I go about buying a non-standard property?
If you like the look of a non-standard home it’s a really good idea to get a Homebuyers Report done or a full Structural Survey so that you understand what you’re getting and that you’re happy.
The lender will get a valuation done and advise you if there are any issues. Your solicitor will also do searches on the property to check for major problems, so you are well covered.
What happens if you get a Zero Valuation from a lender?
It seems baffling to get a zero valuation from a mortgage lender¨- but what it means is there’s something they're not happy with. We recently experienced this with a client buying a thatched cottage. The roof needed fixing and the lender wouldn’t accept the property unless the work was done.
We managed to get the decision overturned by putting forward a really good case for our client.
Can I get a mortgage on a timber framed property?
There are more than 200 varieties of timber frame properties on the market, so it’s difficult to talk about them in any depth. Again, the details will come down to your survey. You might find that a lender wants a damp and timber survey on the property. Lenders are often interested in the exterior of a timber-framed building, preferring an exterior that's predominantly brick or stone.
An exterior that's more brittle, like metal sheet or plastic can make it harder. You should get a mortgage, but it comes down to finding the right lender.
Are steel-framed homes mortgageable?
Steel-framed homes are another type of non-standard construction and, yes, they are mortgageable. Lenders will often want to see a structural engineer’s report to check the frame.
So there’s a clear trend here. Every non-standard construction mortgage is dependent on the survey. If you don't know much about surveys and how they work, listen to our recent interview with Colin Horton [LINK].
Is it OK to buy a barn conversion?
Barn conversions aren’t for everyone but they can be beautiful. With high ceilings, big entrances, open plan areas, you can make them super contemporary.
People ask if barns hold their value - and they do, like any other property. The main difference is that they can cost a lot more to build - often because of listed building requirements and the use of specific materials. So you might not fully recover your costs if you resell. But if you don't plan on selling for a long time it can be well worth it.
Can I get a mortgage on a barn conversion?
Yes, although the loan-to-value may be restricted. One high street lender offers at 80 percent loan-to-value for a barn conversion.
People often ask if they are classed as a new build - which depends on the date of conversion.
How do you tell if a house is prefabricated/has cladding/has render?
Your estate agent should be able to tell you if it's non-standard construction - you can often tell houses from a certain era. Plus, prefabricated houses are quite easy to identify.
Often it will be stated on the property details if it’s non-standard construction. But generally, you need to rely on the survey to get the detail.
Can a Mortgage Broker help with a non-standard construction mortgage?
It’s a great idea to talk to a Mortgage Broker right at the start of your property journey so we can be involved at every step. Getting a non-standard construction mortgage does involve more research, but we don't charge anything extra.
The mortgage you need will be largely down to the property in question because there are so many different types, lenders, and criteria.
If you have any questions for Sarah following this podcast please email sarah@themortgagemum.co.uk or contact Sarah on social media. Alternatively, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms:
Facebook - The Mortgage Mum
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - The Mortgage Mum
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk
Dreaming of a new driveway? A brand new kitchen? More bedrooms? More space?
Let us inspire you with this episode on remortgaging for home improvements!
It is something we feel REALLY passionate about!
This year more than ever our homes have become our HAVEN - our place of work, our place to relax, our source of safety and our entertainment.
As a mortgage broker we have seen more remortgaging for home improvements than ever, and we can see why!
So how do you finance your extension or home improvement? How can we help you to make this happen!
In this episode we cover the questions you are googling:
- How does remortgaging for home improvements work? (I.e for extension, renovations, or loft conversions, etc).
- What do you need to have to remortgage for home improvements?
- Is it a good idea to remortgage for home improvements?
- Can I take equity out of my house for home improvements?
- Are there any alternatives to remortgaging for home improvements?
- What factors will be taken into consideration when remortgaging for home improvements?
Affordability
Cost of the Home Improvement
Credit History
Equity
Financial Circumstances
Type of Property
- How much can you remortgage for home improvements?
- The home improvement company quoting the job has offered me their finance package, is this a good thing and what should I consider?
- How can a Mortgage Broker Help
If you have any questions for Sarah following this podcast please email sarah@themortgagemum.co.uk or contact Sarah on social media. Alternatively, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms:
Facebook - The Mortgage Mum
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - The Mortgage Mum
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk
In this new and exciting podcast episode I talk to Colin Horton, a multi award winning Surveyor and owner of 2 practices - Hortons Valuers and Hortons Homebuyers. He also describes himself as a semi-successful property investor, budding podcaster and self-confessed LinkedIn disruptor.
Colin is under-selling himself here - he has disrupted not just LinkedIn, but also the surveyor world with his unique approach to surveys and lease extensions as well as his personal branding. The definition of the word “entrepreneur”, Colin talks candidly (pardon the pun, his new podcast “Candid” is being released soon) about his journey to owning 2 successful companies as well as the reality of life as a valuer.
We also give you some useful information to take away and we break it down in a way that is easy to understand. You will learn about:
- Homebuyers reports and why you need them
- Lease Extensions and why you may need one
- When and how you extend a lease and the things you need to be aware of
- ZERO valuations - what are they and how do they happen?
- Behind the scenes of a valuer, and what it is REALLY like
- Colin's career history to date
- Marketing inspiration and a guide on how to build a successful brand
- How to use LinkedIn to market yourself and your business
If you are a business owner, this episode will really inspire you to hear the mindset of an entrepreneur - the self-drive and motivation needed to succeed and the courage you need to have to put yourself "out there" time and time again, even when it's hard!
If you are a potential client you will learn what you need to know about homebuyers reports and lease extensions - which is incredibly important information when buying a flat.
To see what Colin is up to follow him here:
https://www.linkedin.com/in/colinhorton/
https://www.hortonsvaluers.co.uk/
https://www.hortonshomebuyers.co.uk/
And watch out for Colin's new podcast – Candid!
If you have any questions about this podcast please feel free to email sarah@themortgagemum.co.uk. Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on Instagram at @zoealexandria.
In this episode Sarah Tucker talks openly about protection and how important it is. Sarah aims to demystify and remove the stigma surrounding insurance by explaining and breaking down the main products you need to consider and why you need them.
This includes:
- Life insurance
- Critical illness cover
- Family income benefit
- Income protection
- Business protection
As always, Sarah aims to answer all of your questions including:
- What does the term protection mean?
- Why do we need life insurance?
- What If I have pre-existing medical conditions? (life Insurance)
- Do I need critical illness cover?
- What is Income Protection?
- What is family income benefit?
- How much should I budget?
If you have any questions for Sarah following this podcast please email sarah@themortgagemum.co.uk or contact Sarah on social media. Alternatively, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
We have a wonderful team of protection specialists at The Mortgage Mum who will be more than happy to talk you through your options, and honestly, I bet its cheaper than you think! Contact me and I can put you in touch with one of our amazing experts!
Follow The Mortgage Mum on all social media platforms:
Facebook - The Mortgage Mum
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - The Mortgage Mum
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk
High Net Worth Mortgages - The Mortgage Mum
If you earn more than £150,000 a year or have more than £500,000 in net assets (excluding your home), that makes you a high net worth individual.
It’s interesting that often the more money people have, the less they like to talk about it - but when it comes to mortgages for this group of people, it’s really important to get the right advice.
Why is borrowing different for high net worth individuals?
If you have high net worth and are looking to borrow for a mortgage against net assets or other property, you’re often restricted to a few lenders or private banks. This is because of the way you prove your income.
It’s difficult to do this alone - you will need a broker who has relationships with private banks to negotiate terms for you.
Another big challenge for high net worth individuals is proving your income - which we’ll cover in a moment.
What are net assets?
These assets can be shares, trusts, hedge funds, even a yacht or private jet. And while not usually classed as assets, cars and art can also be used as leverage against borrowing.
So the first step if you’re looking for a high value mortgage is to speak to somebody who can identify your assets and give you a valuation.
How can I prove my income?
Lenders are typically looking for regular income, to reassure them that the mortgage repayments will be met. But a high net worth individual often has irregular income - it can come from bonuses or share dividends, hedge funds, or limited partnerships. Many lenders don't accept this type of income or situation which is why we need relationships with private banks.
The right broker will know how to explore proof of income using your assets and find the right finance for you.
Why is flexibility important for high net worth mortgages?
If you earn your money in lump sums, you will want to pay off a big ‘chunk’ of your mortgage. With typical high street mortgages, overpaying by more than 10% incurs an early repayment charge - which can be a significant amount. You will want more flexibility about how you pay back the loan.
Does my net worth affect how much I can borrow?
Yes - and if you want a mortgage you will need a statement of high net worth. Often a lender will have a template that your accountant can complete and sign. This is used as your proof of income.
Is it hard to get a mortgage on a home worth over £1m?
There are many more million pound homes out there today - we have enquiries for £2 million homes too. But many lenders are not happy to lend that amount of money.
It’s less about your income and more about the lack of underwriting expertise. A £1 million mortgage usually means delays and lots of paperwork. That’s why we work with a specialist team that looks at private banks and specialist lenders.
Can I get a £1million mortgage on a self build?
Self build is becoming more and more popular. With a self build mortgage, after you borrow the money to buy the land, the rest of the loan is released to you in stages as the building progresses.
There are two main types of self-build mortgages:
Arrears stage payment mortgage - you pay upfront costs and receive a percentage of the value at the end of each stage.
Advance stage payment mortgage. This is a cost-based loan where the lender releases the money to you in advance of each stage of the build. You don't need as much cash at the outset.
Lenders will want to understand a lot about the build: what your plans are, your experience, and the people in your team. Self build mortgages are often interest-only which makes the payments a little bit more affordable.
Do high net worth individuals need life insurance?
Yes, absolutely, probably even more so because they have a lot to lose!
But also, if anything were to happen to you, it could cost the people around you money. Inheritance tax liability, for example, would be much higher for somebody with a lot of assets to hand over in the event of death.
How does life insurance work for high net worth individuals?
Life insurance pays out a sum of money if you die unexpectedly. Depending on the sum insured, your mortgage could be paid off so your family can stay in the property. But you don't just have to cover your mortgage, the money can be used for anything you like.
Another product - family income benefit - provides those you leave behind with an income rather than a lump sum. Critical illness cover is also important, and income protection is worth looking at, to keep the money coming in if you’re unable to work due to illness or injury.
What kind of business protection is available?
If you're a majority shareholder, you need to consider what would happen to your business if you weren't around - Shareholder Protection could be an important type of insurance.
If you personally are crucial to the future of the business, you may need Key Person cover. Essentially you're making sure that if you’re not there, the business can pay for somebody else to take over.
Talk to a broker
In any complex situation, it really pays to have a broker working on your behalf - and that’s even more true for a high net worth individual.
We understand the complexities of your situation. Your work might be international, you might be an expat. We also work with foreign nationals living in the UK where we deal with overseas personal guarantors.
There's a lot to take into account, so you need someone with experience that will save you time and money and has great contacts. We can help you achieve your goals, so get in touch.
If you have any questions for Sarah following this podcast please email sarah@themortgagemum.co.uk or contact Sarah on social media. Alternatively, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms:
Facebook - The Mortgage Mum
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - The Mortgage Mum
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk
In this episode Sarah Tucker tackles the subject of remortgages and why you shouldn't be on the SVR!
"What is the SVR?" I hear you ask. This stands for the Standard Variable Rate, and is something Sarah is really passionate about educating you on.
It can be super confusing to know what a remortgage means and why you need one. Hopefully after this episode, you will be clearer!
In this episode we cover:
- Why you shouldn't be on the SVR
- What is a remortgage
- When should I remortgage
- Should I speak to a broker or go directly to my Bank?
- Why is it important to remortgage?
- How remortgaging can save you money
- Why your mortgage is so much more than just money
- How The Mortgage Mum team can help
As always, Sarah aims to break this information down in a way that you will understand.
If you have any questions for Sarah following this podcast please email sarah@themortgagemum.co.uk or contact Sarah on social media. Alternatively, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms:
Facebook - The Mortgage Mum
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - The Mortgage Mum
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk
In this episode Sarah Tucker is breaking down The Budget 2021, which took place on 3rd March 2021.
The Budget can be super confusing, but this year more than any ever was super important; especially for the property market!
Sarah recorded this episode live on her social channels and aims to educate you on the major decisions that could affect mortgage clients.
Find out about -
- Stamp duty holiday extension
- 95% LTV mortgages
- Mortgage Guarantee Scheme
- Corporation tax changes
- Self Employed Income Support
- The Basics of the Budget 2021
Rishi Sunak announced an extension to the stamp duty land tax until 30 June 2021 for properties under £500,000. From 30 June to 30 September this will be reduced to £250,000; and from 1 October 2021 this will be back to the original cap of £125,000.
Rishi also announced a 95% LTV mortgage guarantee scheme which will be launched on 1st April 2021. Watch this space for more details of this coming soon!
As always, Sarah aims to break this information down in a way that you will understand.
If you have any questions for Sarah following this podcast please email sarah@themortgagemum.co.uk or contact Sarah on social media. Alternatively, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms:
Facebook - The Mortgage Mum
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - The Mortgage Mum
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk
In this very exciting episode Sarah talks to an industry heavyweight - Andrew Montlake, Managing Director, Brand Evangelist & Spokesperson at Coreco Mortgage Brokers.
Sarah & Andrew met during the last lockdown over Zoom while appearing on a podcast for Mortgage Strategy, and immediately hit it off. Both drawn to authenticity, real talk and connection; this episode is an opportunity to hear two people who might otherwise be seen as competitiors celebrating one another during Lockdown 3.0.
Sarah & Andrew talk in this episode about Andrew's career history to date and the inspiring journey he has had to becoming who he is today!
Topics of discussion include:
- The Mortgage Market
- The Credit Crunch
- How to start a business during a time of crisis
- The ups and downs of business ownership
- The Property Industry
- Andrew's new podcast - "The Property Show" with Louisa Fletcher
- Mental health in the workplace
- Diversity in the work place
- Advice for business owners who are just starting their journey
It is real, unedited conversation and we really hope you enjoy this episode!
So who is Andrew Montlake (if you don't already know!)?
Andrew is a Finance professional with over 25 years of industry experience, Andrew started in the mortgage industry in 1994.
In 2009 Andrew was a founder of Coreco, responsible for growing the brand, marketing and communications, as well as lender liaison. He was made MD in 2019 focussing on the overall vision, strategy, and culture of the company.
As Coreco’s media spokesperson Andrew can often be seen or heard on TV and radio as well as regularly commenting in the national, local and trade press.
He has appeared on BBC TV News, Working Lunch, BBC Radio 5 Live, Wake Up to Money, Drivetime, BBC Radio 4 Moneybox, Today Programme, Sky News, ITN News, Channel 5 News, LBC Radio Property Hour and is a regular on Clive Bulls show and Property Radio.
He also regularly comments for BBC News online, The Times & Sunday Times, Financial Times, Daily Mail, This is Money, Evening Standard, The Express, The Telegraph and more.
More commonly known as "Monty" he is the author of a highly acclaimed Mortgage Blog, presenter of a monthly property and mortgage podcast, public speaker, presenter, and regular industry columnist.
Winner of several industry awards including “Broker Business Leader of the Year (up to 40 advisers), “Mortgage Strategist of the Year” as well as winning “Mortgage Personality of the Year” twice. He is also a double recipient of the "Best Press Spokesperson" and “Best Marketeer” gongs at the British Mortgage Awards.
Andrew is now proud to serve as Chairman of the Association of Mortgage Intermediaries, (AMI) as a cheerleader for the Mortgage Industry as a whole and continues to work at the coal face, writing mortgage business and advising clients.
In his spare time, he writes and performs with his rock band Rogue Monkey!
You can follow Andrew on all social media platforms and find his podcast here:
Twitter @montysblog
Podcast @propertyshowpod https://open.spotify.com/show/5lBVpqrs5fN0czeEViPnXe?si=da7HgzjdTQG3LJQrmUOqSg
AMI https://www.a-m-i.org.uk/
If you have any questions for Sarah or Andrew following this podcast please email sarah@themortgagemum.co.uk or contact Sarah on social media. Alternatively, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms:
Facebook - https://www.facebook.com/themortgagemum1
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - https://www.youtube.com/channel/UCG899KReJ9NHLZfyK3CXrUw
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk
In this episode Sarah Tucker tackles the subject of "mortgages for contractors", giving you advice on how you can get a mortgage when you are a contractor.
It can be super confusing to know how to get a mortgage when you are a contractor, and you might be wondering how you prove your income
Questions we cover in this episode:
What is a contractor mortgage?
Can I get a mortgage if I am a contractor?
How is my income worked out?
What if I am a CIS contractor?
What is the day rate calculation?
How to borrow with your day rate
Documents you need to get a contractor mortgage
How long do you need to have been a contractor for to get a mortgage?
What is the minimum contract period to get a mortgage?
Am I classed as employed if I am a CIS contractor?
Am I classed as self employed on a mortgage application?
What paperwork do I need to get a contractor mortgage?
To break down a typical day rate calculation for a mortgage lender:
Day rate x number of days worked per week
Total x 46 or 48 weeks (this allows for assumed breaks for holiday and gaps between contracts)
This gives you the annual income we would use for a mortgage application.
This is then multipled by the lenders income multiple to give you an affordable mortgage amount.
As always, Sarah aims to break this information down in a way that you will understand.
If you have any questions for Sarah following this podcast please email sarah@themortgagemum.co.uk or contact Sarah on social media. Alternatively, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms:
Facebook - https://www.facebook.com/themortgagemum1
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - https://www.youtube.com/channel/UCG899KReJ9NHLZfyK3CXrUw
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk
In this episode Sarah Tucker tackles the issue of "bad credit" and gives you advice on how you can get a mortgage, even if you have had arrears, defaults, CCJ's, IVA's or people places on a Debt Management Plan or suffered bankruptcy in the last 6 years.
Sarah wants to get rid of the SHAME around this, and help you look forward, educated and empowered to make changes!
Let us help you get out of the hole that you feel you can't get out of........
Questions we cover in this episode:
- What is Bad Credit?
- Will Anyone Lend to Me With Bad Credit?
- What is a credit report?
- How do I know if I have bad credit? (Credit Reference Agencies)
- How Can I Improve My Credit Score?
- Can I get a Mortgage with Bad Credit?
- Can you get a Mortgage with a 500 Credit Score?
- Can I get a mortgage with a CCJ?
- Can I get mortgage with a default?
- Can I get a mortgage with a IVA?
- Is the Process Any Different for First Time Buyers?
- Is the Process Any Different If I Remortgage?
- How can a Mortgage Broker help?
- What is Experian Boost?
- What is Check My File?
- What is a soft footprint and a hard footprint?
As always, Sarah aims to break this information down in a way that you will understand.
If you'd like to get an exclusive Mortgage Mum FREE 30 day trial with Check My File please use this link:
https://www.checkmyfile.com/?ref=sarahtucker2&cbap=1
If you would like to apply for the EXPERIAN BOOST scheme Sarah discussed please follow this link:
https://www.experian.co.uk/consumer/experian-boost.html
This can help you INSTANTLY boost your credit score!
If you have any questions for Sarah following this podcast please email sarah@themortgagemum.co.uk or contact Sarah on social media. Alternatively, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms:
Facebook - https://www.facebook.com/themortgagemum1
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - https://www.youtube.com/channel/UCG899KReJ9NHLZfyK3CXrUw
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk
What is Numerology and how can it help you in your business?
In this episode Sarah Tucker talks to Jo Soley of Bizology, a business and marketing coach who is dedicated to helping passionate entrepreneurs build their business and reach the next level of success!
Jo infuses the power of numerology in her work with her clients. After embarking on her own journey with numerology, she understands herself on a different level and so many opportunities have opened up in her life and business because of this. She believes that by understanding your life path number, the personal year you are working in, and the meaning and expression of your name that numerology can help empower you to do the right thing at the right time in your business and career, and consciously elevate your success through the power of numbers.
In this episode Sarah and Jo talk about:
- What is numerology?
- How can numerology help me in my business?
- How do I work out my life path number?
- What do all the life path numbers mean?
- Jo's story to numerology
- Sarah's discovery of numerology and how it has changed her business
- The benefit of being aware of your personal numbers
- Why numbers are so important
HOW TO WORK OUT YOUR LIFE PATH NUMBER
Trust me, you will WANT to do this as soon as you hear more.
To work out your life path number, please see below Jo's guide - do not google it!
https://josoley.com/blog-2/
And a helpful hint if you're good at maths:
I am a life path number 22, with a 6 approach. I worked this out using my date of birth:
24/12/1984
24 + 12 + 1984 = 2020 (my year of significance!) = 2+0+2+0 = 22 which is my life path number
My approach is 2 + 4 = 6
You can also find out what this means for you by listening in, and specifically when working with Jo directly. She is incredible! There is so much more I have to say on this topic and I will be talking about it in this week's LIVE Q&A on my Facebook and Instagram pages - so if you have ANY questions about today's episode let me know!
To get in contact with Jo please check out her offerings via her website below. She offers masterclasses, 1:1 work and coaching. I would highly recommend this having done this myself with Jo in 2020:
Website - www.josoley.com
Facebook - https://www.facebook.com/BizologywithJoSoley
Instagram - @josoleybizology
If you have any questions for Sarah following this podcast please email sarah@themortgagemum.co.uk or contact Sarah on social media. Alternatively, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms:
Facebook - https://www.facebook.com/themortgagemum1
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - https://www.youtube.com/channel/UCG899KReJ9NHLZfyK3CXrUw
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk
In this episode Sarah Tucker tells you all about the new Help to Buy Scheme 2021-2023, including how it can help first time buyers, how you can apply and what you need to know!
- What is the new Help to Buy scheme and who is it for?
- How much can I borrow?
- What does Help to Buy mean?
- Who is eligible for the Help to Buy scheme?
- How has the Help to Buy scheme changed?
- How do I know if Help to Buy is right for me?
- Help to Buy Scheme - Then Vs. Now
- How do I apply for a Help to Buy mortgage?
- What are the steps in a Help to Buy mortgage?
- How does Help to Buy differ from a normal mortgage?
- Is it only on new build properties?
- Can I borrow more on a Help to Buy?
Sarah answers these questions and more.
As Sarah explains in this episode, there are now different price caps for each area. They can be found here:
https://www.helptobuy.gov.uk/equity-loan/equity-loans/ - please refer to the Help to Buy website for the property price caps in your area.
So take a 20 minute break, grab a cuppa and listen in!
If you have any questions for Sarah following this podcast please email sarah@themortgagemum.co.uk or contact Sarah on social media. Alternatively, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Facebook - https://www.facebook.com/themortgagemum1
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - https://www.youtube.com/channel/UCG899KReJ9NHLZfyK3CXrUw
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk.
In this very exciting episode Sarah Tucker talks to Rea and Tonya aka The Property Twins - named by 'The Sun' as the UK's glam answer to Selling Sunset - about all things property. You won't want to miss this! These ladies are going to inspire you and blow you away with their property experience and knowledge, as well as their fantastic personalities. They really embody the ethos of The Mortgage Mum – balancing Motherhood, a career and big dreams. I absolutely love what they are doing and I just KNOW they are going to be a big deal.
Grab yourself a hot drink and let yourself be inspired!
Included in this episode Sarah, Rea and Tonya discuss:
-
The story of The Property Twins, a true example of hard work and passion
-
The life of an entrepreneur, and how Rea and Tonya have built their businesses
-
Motherhood and business and the balancing act of running a business as a woman and a Mother
-
The beauty of property sourcing for investors, and why it is so beneficial @officialpropertytwins
-
An insight into garden renovations, including the work of the amazing Rose Hill Design & Build Ltd - www.rosehilldesign.co.uk - @rosehillgardendesign
-
An insight into the world of lettings, with Tonya running the lettings department in Adrians
-
Inspiration for business owners, particularly women
-
Tonya and Rea's ability to flip properties including interior design, property design, property interiors and structural changes
-
How Rea and Tonya became Estate Agents and then went up to set their own businesses before finally coming back together as "The Property Twins"
-
Buy to let properties and portfolios
-
HMO Properties
-
An exclusive preview of what is coming next for The Property Twins including a potential TV show
To find out more about these incredible women follow them on social media @officialpropertytwins and @rosehillgardendesign, and check out some of their renovations on their websitewww.officialpropertytwins.com as well as some of their garden renovations on www.rosehilldesign.co.uk.
If you have any questions for Sarah following this podcast please emailsarah@themortgagemum.co.uk or contact Sarah on social media. Alternatively, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms:
Facebook - https://www.facebook.com/themortgagemum1
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - https://www.youtube.com/channel/UCG899KReJ9NHLZfyK3CXrUw
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please emailsarah@themortgagemum.co.uk.
In this episode Sarah Tucker discusses what the mortgage market is like right now during lockdown 3.0.
Sarah records this episode at the time we are in a National lockdown, while lots of parents are home schooling and juggling work commitments with family life. Sarah answers your burning questions on how Covid-19 has affected the mortgage market.
- How do I get a mortgage during a pandemic?
- Is the mortgage market still open?
- Can I get a mortgage during Covid-19?
- Can I get a mortgage during a pandemic?
- Can I get a mortgage if I have been furloughed?
- Can I get a mortgage if I have taken a payment holiday?
- Can I get a payment holiday?
- Can I switch my mortgage to interest only due to Covid-19?
- What is happening in the mortgage market due to Covid-19?
- Can I still buy a property during Covid-19?
- Can I still view a property during Covid-19?
- Is the stamp duty holiday going to be extended?
- Can I remortgage during Covid-19?
- How is my lender supporting me through these times?
Sarah answers these questions and more.
Take a 20 minute break, grab a cuppa and listen in!
If you have any questions for Sarah following this podcast please email sarah@themortgagemum.co.uk or contact Sarah on social media.
Alternatively, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Facebook - https://www.facebook.com/themortgagemum1
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - https://www.youtube.com/channel/UCG899KReJ9NHLZfyK3CXrUw
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk.
- Can I get a mortgage if I am self employed?
- Can I get a Limited Company Director mortgage?
- Can I get a mortgage with one year of accounts?
- What documents are needed for a self employed mortgage application?
- Joint Mortgage, One Self Employed
- What income do mortgage companies look at for self employed?
In this episode, Sarah Tucker will answer your burning questions about mortgages for self-employed applicants. She will help you understand what is needed so that you feel educated and ready when it comes to submitting your company accounts, and applying for your mortgage!
Take a 20 minute break, grab a cuppa and listen in!
In the meantime, our top 3 tips for the self employed:
-
Be aware that you can’t have your cake and eat it! If you want to use your earnings to borrow money you need to declare them.
-
Try to ensure your latest year is not lower than the previous year. A lender usually takes an average of 2 years accounts but if the last year is lower they’ll use this figure.
-
Be organised and think ahead. My remortgage is due in 2022 so I’ll be making sure my accounts are well thought through in the 2 years leading up to this.
If you have any questions for Sarah following this podcast please email sarah@themortgagemum.co.uk or contact Sarah on social media. Alternatively, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Facebook - https://www.facebook.com/themortgagemum1
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - https://www.youtube.com/channel/UCG899KReJ9NHLZfyK3CXrUw
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk.
- What happens to a joint mortgage when you get divorced?
- I am getting divorced. Can I stop paying my mortgage?
- Can my ex partner take over the mortgage?
- How do I remove my name from the mortgage if I am getting divorced?
- Can I buy my partner out of the mortgage?
- Can I get a new mortgage if I am getting divorced?
We answer all these questions and more in our latest podcast episode, where Sarah Tucker talks about the logistics of divorce and separation when it comes to your mortgage.
We know how emotional separation can be, and as we always say at The Mortgage Mum"mortgages are about more than just money"
Money is hugely emotive; yet it's one of the biggest worries you have when you are facing separation. Let us ease the strain and guide you through the process.
In this episode Sarah Tucker discusses:
- How you can buy your partner out of your property and mortgage
- Ideas to help if affordability is an issue
- How you can still buy a property, even when still owning your marital home
- What to do if you are tied in with your current lender
- The logistics of dividing the finance
- Maintenance and how it affects your mortgage application
If you have any questions for Sarah following this podcast please email sarah@themortgagemum.co.uk or contact Sarah on social media. Alternatively, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Facebook - https://www.facebook.com/themortgagemum1
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - https://www.youtube.com/channel/UCG899KReJ9NHLZfyK3CXrUw
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk.
It's almost the end of 2020 - and what a year it has been!!
2020 has taught us so much about what is the most valuable to us all - health, time, and connection.
Now it is time to close that chapter, to reflect on what the year has taught us and to look ahead to 2021.
Light your candle, grab your journal and feel inspired to set some intentions for yourself and your business in 2021.
Sometimes we need a prompt, or a prod, to make time for ourselves to reflect. To consider. To imagine. To day dream! Why do we need a prod? Because alot of us don't consider it a "productive use of our time" when "there is always so much to do". But we're wrong.
Firstly, I am a huge believer in the Law of Attraction - therefore day dreaming is HUGELY productive in my eyes. Day dreaming will BRING you to your vision!
But secondly, as my last episode talked about, time for YOU is going to gift you MORE time, more energy and more moments in life that you'll cherish. It is a weird truth and one that you will only believe when you try it for yourself!
So back to your 2021 intentions.... it's time to set yourself goals for who you want to be when we gather again in 1 year. You have the opportunity to take 365 steps towards your future vision, if you take one step every single day. This episode will guide you on how to take the first step - intention setting!
Do you need another reason?
Think of the planet! When we collectively do something like this, when we work with INTENTION, we raise the vibration of the planet. It is hugely powerful! So be open minded, dive in, and I can't wait to hear what comes up for you in this episode and what your goals and intentions are!
Thank you so much for your support for The Mortgage Mum Podcast in 2020 - we can't wait to see what 2021 holds for us all!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Facebook - https://www.facebook.com/themortgagemum1
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - https://www.youtube.com/channel/UCG899KReJ9NHLZfyK3CXrUw
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk.
It's nearly Christmas!!!!!!!!
This is such a beautiful time of year, even in the midst of a Global Pandemic. But for lots of us, our own "self care" can be forgotten in all the lists, Christmas card writing, Christmas shopping, work, school stuff and food shopping!
In this episode, Sarah Tucker hopes to inspire you to gift to yourself a touch of self care this Christmas without the GUILT that so many of us carry. It is a trait of being a Mum, but one that we should be aware of and try to diffuse.
In this episode, you will find out more about:
- How and Why Self Care is SO important, especially at this time of year
- Inspiration for a new morning routine that will start your day the right way with time FOR YOU every single day
- The books that inspired Sarah in 2020
- Honesty and transparency about how hard it is to find the time!
- Why we secretly love to be busy!
The books Sarah mentions can be found on our blog and here:
- The Miracle Morning
- The Universe has your Back
- Oprah's The Pathway to Success
If you have any questions for Sarah following this podcast please email sarah@themortgagemum.co.uk or contact Sarah on social media. Alternatively, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Facebook - https://www.facebook.com/themortgagemum1
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - https://www.youtube.com/channel/UCG899KReJ9NHLZfyK3CXrUw
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk.
In this incredible episode, Sarah Tucker interviews Catherine Morgan, CEO of ‘The Money Panel’, a Multi-award winning Qualified Financial Planner & Financial Coach for Women, a Podcaster, a Trainer & Keynote Speaker and a Business Leader – Featured as One of the top 32 female entrepreneurs to look out for
https://www.businessleader.co.uk/who-are-the-uks-top-32-female-entrepreneurs-to-look-out-for/90875/
Catherine Morgan is a multi-award winning qualified financial planner and award-winning financial coach, on a mission to reduce financial anxiety and increase financial empowerment & resilience for 1 million women around the world.
She produces content for women and an award-winning International Financial Coaching training programme to financial advisers to help change the financial services industry to focus on people not money.
Recent winner of the December 2019 ‘Best New Business’ in National Business Women’s Award and featured as one of the top 30 female entrepreneurs to watch in Business Leader.
She is the founder of The Money Panel and The Money Circle ® Membership.
In 2019 she won a Highly commended award for ‘Role Model of the year’ in the Women In Financial Services Awards. In 2018 and again in 2019, her Money podcast was nominated as a finalist for UK Money Blogger SHOMO award for Best Money Podcast... this is now an official Podcast called ‘In Her Financial Shoes’ on iTunes & Spotify with over 74k downloads. In 2019 she won ‘Best New Business’ in in the National Business Women’s Awards. She has been featured in Forbes, The Telegraph, The Times, Stylist, Good Housekeeping, Closer, Readers Digest, Stylist, The Daily Mail and Huffington Post. She also is a Co-author for an Amazon best-selling book, ‘The Woman I’m becoming,” inspiring teenage girls as they approach life’s challenges and crossroads.
In 2019 Catherine has joined as a Director for the Executive of, ‘Initiative for Financial Wellbeing.’ The initiative is to bring people together under the umbrella of money and happiness, to help clients to become happier not just wealthier.
In today's episode Sarah and Catherine talk about:
- How and when our money habits start
- The relationship we all have with money and how we can change it
- Catherine's incredible story to her business including her experience with Sepsis
- The Money Quiz - link here: www.themoneypanel.co.uk/quiz
and so much more.
Let us know what you took away from this episode, and this extraordinary woman!
If you have any questions for Sarah following this podcast please email sarah@themortgagemum.co.uk or contact Sarah on social media. Alternatively, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Facebook - https://www.facebook.com/themortgagemum1
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - https://www.youtube.com/channel/UCG899KReJ9NHLZfyK3CXrUw
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk.
In this episode Sarah Tucker gives you the basics of Shared Ownership and why it could be the perfect solution for you to get on the property ladder!
Shared Ownership is for those who are struggling to afford to buy a property and is available to first time buyers, and homeowners who have a property to sell.
There are some pros and cons, and Sarah wants to educate you on these so you can decide if this is the right decision for you.
In this episode you will find out:
- What is Shared Ownership?
- Who is eligible for it?
- How does it work?
- What does it mean in regards to stamp duty?
- What are the pros and cons of Shared Ownership?
If you have any questions for Sarah following this podcast please email sarah@themortgagemum.co.uk or contact Sarah on social media. Alternatively, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Facebook - https://www.facebook.com/themortgagemum1
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - https://www.youtube.com/channel/UCG899KReJ9NHLZfyK3CXrUw
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk.
Are you in debt?
Does your debt keep you up at night?
Do you wonder how you'll ever get rid of your debt?
In this episode, Sarah Tucker talks about debt cycles - the mindset behind debt, the shame, but also the practical steps you can take to get out of your debt and change your money habits.
Sarah covers:
- Your mindset about money
- What does your debt mean about yourself
- Practical steps you can take to clear your debt
- How to clear your debt with your mortgage, and why it can be the best solution
- Why it's important to deal with the internal issue of your debt as well as the debt itself
If you would like some mortgage advice to try to clear your debt, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Facebook - https://www.facebook.com/themortgagemum1
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - https://www.youtube.com/channel/UCG899KReJ9NHLZfyK3CXrUw
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk.
In this special SPOTLIGHT series, Sarah Tucker wants you to get to know the women behind The Mortgage Mum brand.
“The more you get to know us, the more you are going to trust us with your finances. I believe that everyone has a story, and should have the space to share it. It’s important that we listen to others’ stories and share our own, and it is through doing this that we can make an impact on another human being, and help them on their own journey.”
In this episode, Sarah talks to Sonya Matharu, the youngest member of The Mortgage Mum team, who somehow manages to make mortgages current, vibrant and attractive. Sonya joined The Mortgage Mum during lockdown and has made a HUGE impact on the team, and her clients.
In this episode, Sarah and Sonya talk about:
- The power of social media!
- The work that The Mortgage Mum are doing to empower and educate young people on mortgages and finance
- What it’s like to be a broker in The Mortgage Mum team
- What it’s really like when lots of women come together – is it as catty as people think it is?!
- A bit about Sonya’s story – we all love to learn more about each other, and we ALL have a story.
Sonya is a fantastic mortgage broker, and is ready to help you with your mortgage needs if you feel drawn to work with her. Please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Facebook - https://www.facebook.com/themortgagemum1
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - https://www.youtube.com/channel/UCG899KReJ9NHLZfyK3CXrUw
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk.
Have you ever used a moodboard?
Do you manifest?
Are you wishing for things and wondering why they are not happening for you?
This is your essential guide to using mood boards to manifest your dream home, dream job and so much more!
In this episode Sarah Tucker talks about how she has manifested with mood boards, including how she renovated her dream home. Grab your Pinterest board and be inspired to improve your current home with The Mortgage Mum. Learn about the mood board process, and start to visualise how you'd love your home to be! Sarah talks about mortgages, mood boards and visualisation as well as insights into her own renovation journey.
Head over to The Mortgage Mum's Pinterest board to see some exclusive photos of Sarah's renovation - https://pin.it/3XF34aP and PLEASE tag @themortgagemum into your own mood boards. This is a great exercise to do in preparation for the New Year! You can also view on my Instagram stories the mood board I created when planning our extension, I randomly found it in the loft this weekend when doing the Christmas decorations!
And if you would like some mortgage advice to try to improve your home, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Facebook - https://www.facebook.com/themortgagemum1
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - https://www.youtube.com/channel/UCG899KReJ9NHLZfyK3CXrUw
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk.
Are you dreaming of that extension?
Do you wonder how other people do it?
Has lockdown had you wanting to improve your home?
Let us help you! In this episode Sarah Tucker talks about how you can create your dream home using your mortgage. Grab your Pinterest board and be inspired to improve your current home with The Mortgage Mum. Learn about the process, how to finance it in the best way, and start to visualise how you'd love your home to be! Sarah talks about mortgages, mood boards and visualisation as well as insights into her own renovation journey.
Head over to The Mortgage Mum's Pinterest board to see some exclusive photos of Sarah's renovation - https://pin.it/3XF34aP
And if you would like some mortgage advice to try to improve your home, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Facebook - https://www.facebook.com/themortgagemum1
Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
YouTube - https://www.youtube.com/channel/UCG899KReJ9NHLZfyK3CXrUw
Thank you for listening.
Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.
If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk.
In this episode Sarah Tucker talks about the different types of mortgage rates available to you and the different things you need to think about when you're choosing your mortgage! People underestimate the importance of the details, and Sarah and her team at The Mortgage Mum want you to feel educated and empowered when making these decisions for yourself.
"What do the next 5 years look like to you?" "How can your mortgage help you achieve that?" - these are questions your broker should be asking you! Listen in to find out why, and how this can in turn save you a lot of money in the process! Too many of us gloss over the details!
If you have found your dream home and you would like some mortgage advice, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you!
The Mortgage Mum is a team of 20 female brokers dotted all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.
Follow The Mortgage Mum on all social media platforms.
Thank you for listening.
Music by the incredible Zoe Alexandria - www.zoealexandria.co.uk.
In this episode Sarah Tucker talks about the different types of valuations you can get, how to choose your Solicitor and the paperwork you'll need to get your mortgage in place.
As always, The Mortgage Mum breaks this information down in a way that is easy to understand so you can feel empowered, educated and in control!
If you have found the property you want to buy and would like some mortgage advice please head over to www.themortgagemum.co.uk.
We can't wait to help you.
Follow The Mortgage Mum on all social media platforms
Are you thinking of buying your first property? Are you not sure what you need to do to prepare? Are you overwhelmed with everything you need to know?
In this episode Sarah Tucker gives you the basis of your education if you're thinking of buying your first property, including credit scores, how much you'll need to save, how much you can afford to borrow and how your family can potentially help you get on the property ladder.
Sarah is passionate about taking away the stress so that you can enjoy the important bit - finding "the one"!
If you would like a copy of The Mortgage Mum's First Time Buyer Guide and handy Budget Planner, please email info@themortgagemum.co.uk with the subject "FIRST TIME BUYER GUIDE".
If you would like The Mortgage Mum to give you personal mortgage advice head over to www.themortgagemum.co.uk or contact us on our social media platforms:
Facebook - https://www.facebook.com/themortgagemum1
Instagram - https://www.instagram.com/the_mortgage_mum/
YouTube - https://www.youtube.com/channel/UCG899KReJ9NHLZfyK3CXrUw
Sarah Tucker gives us a brief introduction to how she started The Mortgage Mum. From X Factor, Britain's Got Talent, The Voice UK to starting her own business - empowering women to train as mortgage brokers and taking them under her wing.
I'm sure you're wondering how singing on TV talent shows translated into a mortgage company.... Tune in to find out.
There is more to mortgages than just money!
Join Sarah Tucker, Founder of The Mortgage Mum, every week where she will share with you bite size mortgage tips, interviews with inspiring guests inside and outside of the mortgage industry and tools to help you achieve balance in every area of your life. Sarah talks openly about her experiences on The Voice UK, X Factor and Britain's Got Talent, and how these experiences resulted in her creating The Mortgage Mum. Sarah believes life is all about balance and this podcast demonstrates that!
Whether you are looking for mortgage advice now or in the future, or you want to understand more about the world of mortgages. Maybe you work in the mortgage industry and want to expand on your knowledge, or feel inspired to create your own brand and mortgage content. You could be a business owner or an entrepreneur looking for inspiration. Maybe you want to learn more about the law of attraction, and the tools you can use to enhance your life. Or maybe you are someone who wants to take a small bit of time out for themselves - to learn something new or feel inspired in some way!
If any of these statements resonate, this podcast is for you!