Buy a Home with Just a 3% Deposit? Here's How.

Can't get a mortgage approved - even though you're paying high rent?  In this episode of On The Ladder, Sarah Tucker breaks down a new mortgage product from Gen H that could be a game-changer for first-time buyers struggling with affordability. It's called a part and part mortgage, and it allows you to buy with just a 5% deposit — while keeping monthly payments lower by putting part of the mortgage on interest-only. 💡 In this episode, you'll learn: What a part and part mortgage actually is (in simple terms) How it can make homeownership more affordable in today's market What kind of income and deposit you'll need to qualify Real-life example: how one couple used this to buy their first home Why having a broker is key to using this product responsibly This isn't a fit for everyone but for the right buyer, it could be the stepping stone you've been waiting for. 🎓 On The Ladder is your step-by-step guide to buying your first home in the UK, with expert advice, real solutions, and no jargon. 🎧 Listen now and take your next step On The Ladder. Or watch the full episode on YouTube - https://youtu.be/zfJHOaGdb-k

🎙️ Buy a Home with Just a 3% Deposit? Here's How. It might sound too good to be true but with Own New's Rate Reducer scheme, it's absolutely possible. In this episode of On The Ladder, host Sarah Tucker - founder of The Mortgage Mum and trusted expert featured on This Morning, BBC, and The Times — shares a real-life success story of a first-time buyer who bought their dream home with just a 3% deposit and lower monthly payments. 💡 In this episode, you'll learn: What the Rate Reducer scheme is and how it works How home builders contribute up to 5% to help with your deposit and interest rate A real example: buying a new build in Glasgow with just 3% down How to use the Rate Reducer calculator to see your potential savings Why the early years of homeownership are key for financial stability 🎓 On The Ladder is your monthly, step-by-step guide for UK first-time buyers — no jargon, just real advice, practical tools, and empowering stories to help you move forward. 📅 New episodes every month – Mondays at 10am 🔔 Subscribe and follow to never miss an episode 📲 Try the calculator: https://ownnew.co.uk 🔗 More guidance: www.themortgagemum.co.uk 📱 Follow us on social: Instagram: @the_mortgage_mum TikTok: @themortgagemum

It's time for Episode 2 of M's The Word! We're diving into two powerful topics that impact us all - especially around the festive season: 💴 Money Management in Relationships Did you know 1 in 5 couples argue about money every single week? In this episode, we break down how to manage your finances both individually and as a couple - with tips to reduce tension and build financial trust. 📱 Mobile Phone Addiction During the Holidays The average Brit checks their phone every 12 minutes - even more during Christmas. We talk about how to set boundaries with your screen time, be more present, and reconnect with what (and who) really matters. ✨ Whether you're budgeting with your partner or trying to unplug during the holidays, this episode has something for you. 👇 Watch the full episode on YouTube and join the conversation in the comments!  📲 Follow @ms_theword for more content, behind-the-scenes, and upcoming episodes!

Saving for a house deposit can feel impossible, but it doesn't have to be!  In Episode 1 of On The Ladder, mortgage expert Sarah Tucker, founder of The Mortgage Mum, explains what a deposit really is, how much is actually needed in today's market, and the low‑deposit and no‑deposit mortgage options that could bring first-time buyers like you closer to homeownership than they think.  In this episode: What is a house deposit and how much do you actually need in the UK? Strategic ways to save (no skipping coffees required) Mortgage schemes for first‑time buyers: 5% deposit, shared ownership, guarantor products & more!! Realistic tips for building a deposit faster - even on a lower income On The Ladder is a complete step‑by‑step series for first‑time buyers in the UK, bringing expert insights without the jargon.   Hosted by Sarah Tucker,  regular contributor on This Morning, BBC, and The Times, and founder of one of the UK's most trusted mortgage brokerages: The Mortgage Mum.  Joined by acting Mortgage adviser and our very own Gemma Bennett, to give that important detail!    🔔 Subscribe to The Mortgage Mum YouTube to watch the full series 📌 Episode 1 is now live! Press play and take your first step On The Ladder.   🔗 Follow for more expert advice: Instagram: @the_mortgage_mum TikTok: @themortgagemum Website: www.themortgagemum.co.uk

Episode 1: Media Myths & the Mother Load at Christmas Welcome to the very first episode of M's The Word!! The bold new talk show and podcast where we dive into money, motherhood, mindset, and every other "M" word that matters. In this episode, we're unpacking media myths and the emotional overload of the holiday season - and yes, we're talking about that controversial Diary of a CEO episode where financial experts claimed you shouldn't buy a house (!). We also get real about: Why advent calendars might need to be cancelled The cofusion of unrealistic and one sided financial advice online How Christmas hits differently when you're managing a household  The mental load, mum guilt, and the myth of "having it all together" It's honest, it's eye-opening, and it's the start of something real. 🎙️ Hosted by Sarah Tucker, with Gemma Bennett, Jade Timpson-Proud & Shelley Walker  📅 New episodes every month!  💬 Like what you hear? Leave a review and share with someone who needs this conversation. Connect With Us: Watch the full show on YouTube: M's The Word | A Bold New Talk Show & Podcast on Life's Big Topics Follow us on Instagram: M's The Word (@ms_theword) • Instagram photos and videos Subscribe for updates & behind-the-scenes content: M's The Word (@ms_theword) • Instagram photos and videos

In this week's episode of The Mortgage Mum Podcast hosted by Shelly Walker, Managing Director of The Mortgage Mum Specialist Finance - we're joined by powerhouse business coach Jessica Crane, founder of the Sheo Collective, to talk all things wealth, legacy, and CEO-level mindset.  Key Themes:  How to use your business as a vehicle for generational wealth  The reality of scaling from six to eight figures (and why systems matter)  The mindset shifts required to stop "doing it all" and start leading as a CEO  Building a property portfolio while managing multiple businesses  The importance of community, mentorship, and getting the right support  Why teaching kids about money and business is a must for future generations  Real talk on passive vs active income strategies  Lessons learned from property investing - the wins and the mistakes  Jessica shares real-life case studies from her mastermind clients, including women who've gone from burned-out business owners to owning multiple income streams and investment properties - often in under two years. The conversation is packed with practical advice for women who want to take ownership of their financial future and use their business as a launchpad for lasting impact. 

From First-Time Buyers to Founders: How Gen H Is Rewriting the Mortgage Rulebook Hello and welcome back to another episode of The Mortgage Mum podcast. What happens when two would-be first-time buyers look at Britain's housing market and decide to fix it rather than squeeze into it? On this episode of The Mortgage Man Podcast, Sarah sits down with Will Rice, Co-Founder and (until recently) CEO of Gen H, to unpack the extraordinary story of channeling a first-home deposit into building a new kind of mortgage lender. Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email [email protected] or call 01702 887426.

Hello and welcome back to another episode of The Mortgage Mum podcast. Join Sarah Tucker CEO of The Mortgage Mum speak with Drew Boyer author of  Hip Hop x Finance: Become a Financial Gangster! Get off Debt Row and Stack your Cash Flow . Combing Hip Hop and finance Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email [email protected] or call 01702 887426.

A very warm welcome to today's episode of The Mortgage Mum podcast. This time, we're talking about first time remortgages. We are talking to those of you who have bought a property, you're on the property ladder and you think your work is done. You know what you're doing for the next 25, 30 years. But no. Then, talk of remortgage comes up and your fixed rate is coming to an end. You're probably feeling a bit overwhelmed and unsure what happens next. This episode is for you. We're going to make it short and sweet so it won't take up too much of your time, but it's going to help you feel prepared and ready. Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email [email protected] or call 01702 887426.

Welcome to The Mortgage Mum podcast. We are so excited to have this episode released today on a really specific topic that's becoming a common enquiry. Lots of people are moving into other countries to work while owning property or wanting to own property in the UK. And with 1.8 million people coming off a fixed rate this year (as of June 2025) and due to remortgage, people living in other countries are wondering what this means for them? So we've called in the expert, Shelley Walker, Managing Director of The Mortgage Mum Specialist Finance, to join us on the episode. Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast If you would like to reach out to Shelly, Managing Director of The Mortgage Mum Specialist Finance please email [email protected] or call 03300 431327. If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email [email protected] or call 01702 887426.