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.

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

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.

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

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.

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.

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

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.

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.

Facebook

Instagram

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 - 

Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
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.

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:

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 - 

Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
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.

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.

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 - 

Instagram - https://www.instagram.com/the_mortgage_mum/
LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/
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.

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.