S2 E6 - First Time Buyer Series: LTV (Loan to Value), hosted by Sarah Tucker

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 [email protected] 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 [email protected] 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: [email protected] Shelley is passionate about helping investors reach their goals and can assist with all things mortgages, business and commercial finance. Reach her at [email protected] 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: [email protected] 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 [email protected] or see our website for further information www.themortgagemum.co.uk/specialist Shelley can also be reached directly at [email protected] 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: [email protected] 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: [email protected] 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: [email protected] or call 07796 456580 [email protected] or call 07549 158121