The Mortgage Mum Podcast

M's the Word: Mum Hacks & Mum Guilt Back-to-school season brings a very specific kind of chaos — and with it, a fresh wave of mum guilt. In this episode of M's the Word, Sarah, Gemma, Shelley and Jade come together for an honest, unfiltered chat about the realities of juggling motherhood and work. They talk about where mum guilt tends to creep in the most, which part of the back-to-school routine they each find hardest to manage, and whether that guilt ever really fades once you're back at your desk. Plus, they share the practical mum hacks that have actually stood the test of time in their own homes — no fluff, just what works. Whether you're heading back to the school run this September or navigating the guilt of being a working mum, this episode is a reminder that you're not doing it alone.

And just like that, we've reached the final step. Exchange & Completion - the moment you've been waiting for! In this last episode of On The Ladder, our exclusive series for first-time buyers in the UK, I'm joined by the brilliant Gemma Bennett to talk you through exactly what happens at the finish line. We cover: - What exchange actually means (and why it's such a big deal)  - What happens between exchange and completion - What to expect on completion day - funds, keys, and that surreal moment it becomes yours - The jobs you don't want to forget - buildings insurance, removals & final checks If you've been with us from episode one, thank you. If you're jumping in here at the end, welcome - go back and watch the full series, we've designed it to hold your hand from saving that deposit right through to getting the keys. You've got this. And we're so proud of you for getting On The Ladder.  

🎙️ Out today on M's the Word! 1.8 million homeowners are coming off a fixed rate this year, are you one of them? In this episode, we dive into everything you need to know about remortgaging in 2026, from timing your move to using your home's equity to your advantage. 🔑 In this episode: Remortgaging in 2026, what's changed? 1.8 million people are coming off fixed rates this year Are clients coming in earlier this year, or still leaving it too late? What does "locking in a rate" actually mean? How you can extend your home using your mortgage Other smart ways to use your mortgage to help you financially Can you clear debt with your mortgage? 🎯 Case study: Judith's dilemma, her fixed rate ends in 4 months, she's got credit card debt and wants to extend her kitchen. Should she wait for rates to drop? If you're wondering whether now's the right time to remortgage, this episode will help you get to the right decision for you. 

Work-life balance comes with a lot of tabs, and one of the biggest ones is constantly running: meals. "What's for dinner?" - the dreaded end-of-day question can turn into a real source of stress when you're juggling everything else on your plate (pun intended 😉).  But nutrition for us and our families matters too much to skip the conversation. So in this episode of M's The Word, we're talking meal prep: how we plan, what actually works for us, and simple tips to make it a calm, enjoyable part of the week instead of a last-minute scramble.

How to Buy a Home With Just a £3,000 Deposit | Shared Ownership Explained In this episode, Sarah and Gemma break down shared ownership, one of the most overlooked ways to get on the property ladder with a fraction of the deposit you'd normally need. Shared ownership lets you buy a portion of a property (anywhere from 10% to 75%), while paying rent on the remaining share to a housing association or developer. It means a much smaller deposit and a much lower barrier to entry. In this episode you'll learn: - What shared ownership actually is - How the percentages and rent work - A real example: buying 25% of a £250,000 home for just a £3,125 deposit - Who shared ownership is best suited for If you've been priced out of buying because of deposit savings, this episode is for you. 

You've saved for the deposit. You've got the keys. You're picking out mugs and tea towels in Ikea. But then... the bills start. Curtains. A kettle. Cleaning supplies. The stuff nobody puts on a moving-in checklist, and it can quietly add up to several hundred pounds, right when your budget's already stretched thin.   In this episode of On The Ladder, our exclusive series for first time buyers, I talk through why a "home setup fund" should be part of your budgeting from day on, not an afterthought once you've already moved in.  We cover:  ✅ Why the deposit isn't the last big cost ✅ How much to realistically set aside for home essentials ✅ How to avoid relying on credit cards to get settled ✅ Simple ways to start building your setup fund early If you're a first time buyer (or about to be one), this episode could save you a lot of financial stress in those first few weeks in your new home. 🔔 Subscribe for more from On The Ladder, helping first time buyers get on the property ladder with confidence.

47 tabs open. Voice-noting while making dinner. Replying to emails on the school run. Sound familiar? In this episode of M's The Word, we're tackling multitasking — the habit so many of us wear as a badge of honour, but one that might be costing us more than we realise. Plenty of us proudly call ourselves multitaskers, certain that doing several things at once makes us more productive. But the science tells a different story: while our brains can handle simple, automatic actions at the same time, they aren't built to focus on more than one attention-heavy task at once. So why do we keep doing it? Is this really how we want to live, and more importantly, is it what we want to teach our children? We dig into why multitasking has become the norm (especially for busy mums), what's actually happening in our brains when we juggle tasks, the pressure to do it all, and whether there's a better way. So, which are you - a proud multitasker or a one-job-at-a-time triumph? We'd love to hear from you. Enjoyed this episode? Follow M's The Word wherever you get your podcasts, and leave us a rating and review - it really helps others find the show.

Do you feel guilty when you prioritise joy? If it doesn't fall into the category of productivity or making money, does it get relegated in your head? Somewhere between responsibility, motherhood and bills, so many of us stopped making time for the things that light us up. In this episode of M's The Word, Sarah Tucker is joined by Jade, Gemma and Shelley to talk about Muse Medicine — the creative, playful, "just because" moments that bring you back to yourself. The goals, the ambitions and the masterplans are all valid, and as ambitious, driven women we cherish the choice to pursue them. But life is lived in the moments in between, and sometimes you need a little muse medicine to smooth out your edges. When you aren't measuring or judging your contribution, you're simply present — doing something that lights you up. In this episode we discuss: Why joy so often gets relegated behind productivity and profit The guilt that comes with doing something "just because" How motherhood, responsibility and bills changed our relationship with play Finding your way back to the things that make you feel creative and lit up So tell us, what's your muse medicine? Connect with us: Instagram: @the_mortgagemum Website: www.themortgagemum.co.uk

In this episode of On The Ladder, our exclusive series for first-time buyers, we're talking about one of the most overlooked steps in the home-buying process: the survey. It might feel like an extra cost you don't need, but a survey can reveal hidden issues like structural damage, damp, and subsidence before you commit to buying. Skip it, and you could be signing up for expensive surprises down the line. Watch to find out what surveyors actually check for, the different types of surveys available, and why this step could save you thousands as a first-time buyer. 🪜 New episodes of On The Ladder every month, subscribe so you don't miss out!

Could your child BUY a home instead of renting at university? In this episode of On the Ladder, we're exploring the Buy for University mortgage from Loughborough Building Society, and it could be a game-changer for students and their families. With tuition fees at £9,535 a year and average student rent now around £563 a month, so many parents are asking: is there a smarter way? A Buy for University mortgage allows a student to buy a property near their uni, live in one room, and rent the spare rooms to fellow students, often helping to cover the mortgage payments along the way. In this episode, we cover: ✅ What a Buy for University mortgage actually is, and how it works ✅ Who can apply, and the property restrictions to know about (max 3 bedrooms) ✅ How renting rooms to other students can help cover the costs ✅ Whether it could be the right step for your family On the Ladder is our exclusive series for first-time buyers, created by Sarah Tucker, founder of The Mortgage Mum, here to hold your hand through every step of your home-buying journey. If you found this helpful, don't forget to like, subscribe and share with someone who needs to see it, and if you have any questions, pop them in the comments. Find out more: https://www.theloughborough.co.uk/ 

This June, for Men's Mental Health Month, we're doing something different. In our very first guest episode, we were honoured to be joined by Paul Adams of Pepper Money, a man who spoke with extraordinary courage about his personal experience with alcohol dependency and the road to recovery. Ahead of Father's Day, this felt like exactly the conversation we needed to have. Because the reality is, the numbers don't lie: 3 in 4 suicides in the UK are male Men are 3x more likely to die by suicide than women 5,717 people lost their lives to suicide in the UK in 2024 Men are conditioned to keep going. Keep providing. Keep it together. But that silence has a cost, and it's one too many families are paying. This episode is a step toward changing that. Whether you're a man who's been keeping it all in, or someone who loves one, this conversation is for you.   WATCH THE FULL CONVERSATION    • M's The Word | E12  Memory Making: How to ...   📣 If you or someone you know needs support: 🟢 Samaritans – 116 123 (free, 24/7) 🔵 CALM – 0800 58 58 58 🟠 ANDYSMANCLUB – andysmanclub.co.uk   

Summer is wonderful, and overwhelming. With children getting around 70 weekdays off school a year and 30 of those falling in the summer alone, working parents face a logistical puzzle that never quite solves itself neatly. In this episode of M's The Word, host Sarah Tucker is joined by Gemma, Jade & Shelley to talk honestly about the planning, the pressure, and the possibilities of the summer holidays. From childcare patchworks to intentional memory making, this episode is packed with practical ideas and real-world wisdom to help you head into summer feeling prepared rather than panicked. https://youtu.be/Z3_3AYk96dc

Libsyn Podcast Distribution Description Episode 7b | Interest Rates: The 4 Types You Need to Know Thinking about applying for a mortgage but not sure which rate to choose? In this episode of On The Ladder, host Sarah Tucker and acting senior mortgage adviser Gemma Bennett walk you through the four most common mortgage rate types -  fixed, tracker, discount, and SVR. You'll learn how each rate works, how your monthly payments could be affected, and crucially, why landing on the SVR is something every first-time buyer should try to avoid. Gemma also explains why you should be talking to your adviser six months before your current rate ends. On The Ladder is an exclusive series created to help first-time buyers understand the mortgage process with confidence. Hosted by Sarah Tucker, CEO of The Mortgage Mum & broadcaster. Mortgage expertise from Gemma Bennett, Acting Senior Mortgage Adviser at The Mortgage Mum.

Getting a mortgage can feel daunting, but lenders are really just looking for one thing, proof that you can afford it now and if life changes. In this episode, we break down exactly what happens when you apply, what lenders are looking at, and the key terms every first-time buyer needs to know before they sit down with a lender. We cover what LTV actually means, why getting a Decision in Principle is such an important first step, and what your bank statements are really telling your lender. Simple, straightforward, and everything you need to walk into that mortgage meeting with confidence.  

Are the choices we make about our bodies really our own — or are we more influenced than we think? In this episode of Mums the Word, we get into the thoughts behind our choices to do tweaks and touch upon the wider culture driving those decisions. It's an open, honest conversation and we can't wait for you to be a part of it. Gemma opens up about still succumbing to beauty standards set by the patriarchy — and the frustration that comes with knowing that. Sarah questions whether opting out even means anything if we're not all doing it together. And through it all, one thing becomes clear: it's complicated, it's personal, and nobody has a clean answer. Under 30 minutes. No judgement. Just real women talking about real decisions. New episodes every Monday at 12PM!

The Renters' Rights Act is now law, but what happens next? In Part 2 of this essential conversation, Sarah Tucker is joined once again by Louisa Sedgwick, Managing Director of Mortgages at Paragon Bank, for a forward-looking discussion on where the Private Rented Sector goes from here. With over 30 years of mortgage industry experience, Louisa shares her honest, expert perspective on the big questions that landlords, tenants, and first-time buyers are all asking right now. In this episode, they cover: 🏘️ How to encourage responsible investment in the PRS at a time when legislation feels increasingly restrictive 📊 What a balanced and sustainable Private Rented Sector could, and should, look like in the future 🏡 What genuinely needs to change to better support tenants and the next generation of first-time buyers trying to get on the ladder This isn't a doom-and-gloom conversation. It's a grounded, honest look at the road ahead — and what it means for everyone navigating today's housing market. Whether you're a landlord reassessing your portfolio, a tenant wondering what your future looks like, or a first-time buyer trying to make sense of it all, this episode is for you. 🎧 Missed Part 1? Search click her to listern Renters Rights Part 1 or search for The Mortage Mum in your podcast app or head to themortgagemum.com The Mortgage Mum Podcast is hosted by Sarah Tucker, CEO of The Mortgage Mum and regular contributor to ITV's This Morning. New episodes every week, subscribe so you never miss one.

Have you ever hit a goal and felt strangely flat? You worked for it, you chased it, you finally got it and then… nothing. Just a quiet "huh."   In this episode of M's the Word, Sarah, Jade and Shelley get honest about the cost of more. What happens when the thing you wanted most does not deliver the feeling you expected? When does the pursuit of more start costing you you?   This is one of those conversations that will stop you in your tracks because chances are, you have been there too.   Tune in for an honest, relatable and thought provoking conversation about ambition, fulfillment and what we are really chasing when we want more.    

The Renters' Rights Act - What Every Tenant, Landlord and Homebuyer Needs to Know (Part 1) The Renters' Rights Act is now law, and it is the biggest shake-up the private rental sector has seen in over 30 years. Whether you are renting, letting, or trying to buy your first home, this legislation affects you. In this episode of The Mortgage Mum Podcast, host Sarah Tucker, CEO of The Mortgage Mum and regular contributor to ITV's This Morning,  sits down with Louisa Sedgwick, Managing Director of Mortgages at Paragon Bank. With over 30 years of experience in specialist mortgage lending, Louisa is one of the most respected voices in the industry. This is Part 1 of a two-part conversation. Together, Sarah and Louisa cover the real value of the private rental sector for first-time buyers, the benefits of renting before buying, what the rental experience teaches future homeowners, and the significant monetary contribution the PRS makes to the UK economy. They also look at who makes up the landlord population, what is most misunderstood about the Renters' Rights Act, what Phase 2 looks like, and the most significant recent legislative changes shaping the market. This is essential listening for tenants who want to understand their new rights, landlords who need to know their new obligations, and aspiring buyers who want to understand how this changing landscape affects their journey to homeownership. Part 2 is coming soon. Make sure you are subscribed so you do not miss it. Hosted by Sarah Tucker, CEO of The Mortgage Mum. Guest: Louisa Sedgwick, Managing Director of Mortgages, Paragon Bank.

You've saved your deposit, you've checked your credit score, now the big question: how much can you actually borrow? In this episode of On The Ladder, we break down exactly how mortgage lenders calculate what they'll offer you. Spoiler: it's not just about your salary. From income and outgoings to credit history, deposit size and even your day-to-day spending habits, we walk you through everything that goes into a lender's affordability assessment, including whether your side hustle or benefit payments count as income. If you want to know where you really stand before you apply, this episode is your starting point. About the series On The Ladder is your step-by-step guide to buying your first home, created by Sarah Tucker.

Getting on the property ladder starts long before you find your dream home — it starts with your credit score. If you've ever taken out a phone contract, car finance, or a store card, you already have a credit profile. But do you actually know what it says about you — and how it could affect your chances of getting a mortgage? In this episode of On The Ladder, award-winning mortgage expert Sarah Tucker, founder of The Mortgage Mum, sits down with Mortgage Mum adviser Gemma Bennett to break down everything first-time buyers need to know about credit scores. They explain what lenders are really looking for, the common mistakes that could hold you back, and the simple steps you can take to improve your position before applying for a mortgage. What you'll learn What your credit score is and how it's built How lenders assess your borrowing behaviour What to check when your credit report comes in The impact of missed or late payments What credit utilisation is and why it matters Plus, a key insight many people miss: being approved for credit (like a £3,000 overdraft) and actually using it are two very different things in a lender's eyes. Practical, straightforward, and designed specifically for first-time buyers, this episode will help you understand where you stand,  and what to do next. About the series On The Ladder is your step-by-step guide to buying your first home, created by Sarah Tucker.

In this episode, we explore the viral claim made by Natalie Dawson on The Diary of a CEO: "You are not a candle, you can't burn out." Sarah, Gemma, Shelley and Jade come together to share their perspectives on burnout, productivity, and the pressures of modern life. This is an open and honest conversation, particularly for women, about the expectation to keep going, the emotional weight of unfinished to-do lists, and the internal conflict between resting and feeling "lazy". Rather than offering definitive answers, this episode creates space for reflection. Burnout isn't always obvious, and it doesn't look the same for everyone. If you've ever struggled to switch off, questioned your own limits, or tied your worth to how much you achieve, this conversation will resonate.

Maternity leave is often painted as a dreamy, slow, joy-filled chapter… but the reality can look very different. In this conversation, four mums share the honest truth about maternity leave — from the emotional highs and lows to the financial pressure that so many women aren't prepared for. A recent survey found that 62% of women severely underestimated the financial impact of maternity leave, and more than half returned to work earlier than planned because of money. So why aren't we talking about this more openly? In this episode, we explore: The financial reality of maternity leave (especially for self-employed mums) Why so many women feel pressure to "enjoy every moment"  The hidden emotional load: identity shifts, loneliness, and overwhelm The gap between what we see online vs real life Why more honest conversations around motherhood are needed  This isn't about fear, it's about being informed, supported, and seen. If you're planning maternity leave, currently in it, or reflecting on your experience, this conversation will remind you that you're not alone. 💬 Let us know: What surprised you most about maternity leave?

You've found a house you love… now what? This is the part of the journey that can feel the most exciting, and the most overwhelming. From knowing whether it's really "the one" to making an offer and navigating negotiation, there's a lot to get right. In this episode of On The Ladder, we break down exactly what to do next once you've found a property, including: How to define your non-negotiables and make confident decisions What to look for when viewing properties (beyond the surface) Why your gut feeling matters, but shouldn't lead the whole decision What happens when it's time to make an offer Plus, we're joined by an estate agent who shares honest, behind-the-scenes insight into how negotiations really work, and what buyers should (and shouldn't) say. These tips are genuinely empowering if you want to: Feel more confident making an offer Avoid overpaying Position yourself as a strong, proceedable buyer Whether you're actively house hunting or preparing for the next step, this episode will give you the clarity and confidence you need.

In this episode of M's The Word, Shelley Shicklehosts to facillate Sarah Tucker, Gemma Bennett and Jade Timson-Proud to talk openly about their experiences of miscarriage and pregnancy loss. Together they share their personal stories, the challenges they faced, and the ways they found support while navigating grief and recovery. The conversation aims to raise awareness, break the silence surrounding miscarriage, and remind others that they are not alone. ⚠️ This episode contains discussion of pregnancy loss. Support and information can be found through organisations such as the The Miscarriage Association and Tommy's.

They say moving house is one of the most stressful things you will ever do and if you've ever been through it, you'll know exactly why. The paperwork, the waiting, the uncertainty, the endless to-do lists… it can quickly feel overwhelming. We aim to help alleviate some of that stress in this episode. In this episode of M's The Word, we share practical advice for both a first-time buyer and a seasoned home mover, giving you real-life insight from both sides of the experience. From getting your finances in order and understanding the process after your offer is accepted, to managing timelines, staying organised, and preparing for moving day, we cover the things we wish we'd known sooner! We also talk honestly about the emotional side of moving, the excitement, the doubts, the delays and the unexpected hurdle, and how to stay calm and in control when things don't go to plan.  Whether you're stepping onto the property ladder for the first time, upsizing, downsizing, or simply planning ahead for the future, this episode is packed with practical tips to help you feel confident, prepared and ready for your next move. 🎧 Listen now and be the calmest mover ever!

The Hardest Part of Therapy? Realising Disney Isn't Real | M's the Word Romance doesn't usually disappear overnight, it fades slowly, when we stop noticing each other. In this episode of M's the Word, we explore what really happens behind closed doors in long-term relationships. From love languages to emotional disconnection, we dive into the quiet killers of romance and the small, intentional actions that can reignite connection.   Did you know the average couple with kids only talks for 24 minutes a day? Amanda was starting to feel like just housemates with her partner, we unpack why that happens and how to turn it around. Topics in this episode: Why Disney set us up for unrealistic romance expectations The subtle shifts that erode intimacy How to speak your partner's love language Tools for reconnecting after disconnection Whether you're married, in a long-term relationship, or just curious about how real love works - this one's for you. 🎧 Listen now and rediscover what keeps love alive.

In this episode of M's The Word, we're getting real about money mistakes, the ones we've made, the ones we regret, and the ones we wish we talked about more. Did you know 1 in 3 women say that credit card debt is their biggest financial regret? From credit card creep to the illusion of "free money" with 0% interest offers, we explore how easy it is to overspend, and how hard it can be to break the cycle. 🎙️ What's your biggest money mistake? We're sharing ours (yes, boozy shopping is a thing!), and opening the conversation around debt, mindset, and financial self-worth. Coming next Monday: Part 2 – Marriage & Keeping the Romance Alive 💕 🔔 Don't forget to subscribe and leave us a review if this episode resonates with you.

Stamp Duty, confusing, expensive, and often misunderstood. But if you're a first-time buyer in 2025, you might be paying less than you think… or even nothing at all. In this episode of On The Ladder, Sarah Tucker, award-winning mortgage expert, founder of The Mortgage Mum, and regular contributor to This Morning, BBC and The Times, breaks down exactly how Stamp Duty Land Tax (SDLT) works in England and Northern Ireland,  including the updated 2025 relief rules. Joined by Gemma Bennett, acting Senior Mortgage Adviser, we'll guide you through: ✅ What Stamp Duty is — and why it exists ✅ Who qualifies for first-time buyer relief in 2025 ✅ How much you'll actually pay (with real examples) ✅ Why some buyers pay nothing at all ✅ Key rules for Shared Ownership and buying jointly ✅ Differences if you're buying in Scotland or Wales ✅ How and when Stamp Duty is paid ✅ Smart ways to plan for it in your buying budget If you're planning to get on the property ladder, this episode is a must-listen. 🎓 On The Ladder is the no-jargon, expert-led podcast for first-time buyers in the UK — giving you the tools, knowledge, and confidence to take your next step toward homeownership. 🔗 Learn more: www.themortgagemum.co.uk 📲 Follow us on Instagram & TikTok: @the_mortgage_mum 📥 Subscribe for new episodes every month

Worried your deposit isn't enough to buy a home? You're not alone — but a new mortgage solution might help bridge the gap. In this episode of On The Ladder, Sarah Tucker, founder of The Mortgage Mum and mortgage expert on ITV's This Morning,breaks down the Gen H New Build Boost, an innovative equity loan scheme designed to help first-time buyers purchase with just a 5% deposit. Whether you're struggling to reach the typical 10–15% deposit or looking for a smart way to buy a new build sooner, this could be the solution you didn't know existed. Joined by our expert adviser, Gemma Bennett, we cover: ✔️ How the Gen H New Build Boost actually works ✔️ What an equity loan is - and how it impacts future repayments ✔️ Who this product is best suited for ✔️ The key terms: 5% deposit, 15% interest-free equity loan, 80% mortgage ✔️ Why this is a stepping stone - not a shortcut - to homeownership ✔️ How to assess if it fits your long-term financial plan 📌 Quick Facts: • 5% deposit from you • 15% equity loan from Gen H (interest-free for 5 years) • 80% mortgage from Gen H • Repayment tied to your home's future value 🎓 On The Ladder is your go-to podcast for first-time buyers in the UK - cutting through mortgage jargon and giving you expert insights you can act on.   📅 New episodes drop every Monday at 10am 🔔 Subscribe to The Mortgage Mum for real-life affordability tips, mortgage product breakdowns, and expert Q&A 📱 Follow on social: Instagram: @the_mortgage_mum | TikTok: @themortgagemum 🌐 Learn more: www.themortgagemum.co.uk

Welcome to M's The Word – Episode 3 January brings powerful shifts, and in this episode we explore two themes that shape this time of year: marriage and moving on, and manifestation through mood boards. Part 1: Marriage & Moving On January is often a time of reflection and decision-making for couples. We discuss why relationship changes frequently surface at the start of the year and explore the emotional and financial realities of moving forward - including money management, shared responsibilities, and practical considerations when circumstances change. Part 2: Manifestation & Mood Boards We shift the focus to the future, setting intentions, visualising goals, and creating manifestation mood boards that actually support progress. Visualising goals has been shown to increase the likelihood of achieving them, and we break down how to use this practice in a grounded, realistic way. Whether you're navigating a relationship transition or planning your next chapter, this episode offers honest conversation, practical insight, and future-focused energy. Join the conversation: Are you creating a vision or mood board for 2026? Do you believe in January fresh starts? Share your thoughts in the comments - your story may be featured in a future episode. 🔔 Subscribe Be part of the conversation! Share this episode with someone who may need it.

Before you scroll through Rightmove, fall in love with "the one," or even book your first viewing… there's one crucial step every first-time buyer needs - and hardly anyone explains it properly. In this episode of On The Ladder, we're breaking down the Decision in Principle (also known as an Agreement in Principle, Mortgage in Principle, or simply a DIP). This simple document is your very first green light from a lender, proving they're willing - in principle - to lend you money for your new home. We'll walk you through:  What a Decision in Principle actually is Why you should get one before you start house-hunting How a mortgage adviser helps you find the lender that suits your situation The truth about credit checks (and why you shouldn't apply for DIPs everywhere online) How long a DIP lasts — and what to do if it expires Why you should never reveal your full DIP amount to an estate agent Whether you can have more than one DIP  How your DIP becomes a full mortgage application when you find "the one" By the end of this episode, you'll understand exactly why a DIP is the difference between hoping you can buy a home… and knowing you can. If you're a first-time buyer, self-employed, on maternity leave, or simply unsure where to start, this episode will give you the clarity and confidence you need to take the next step. Watch the full episode on YouTube: How to Save for a House Deposit UK | On The Ladder Ep. 1 Follow on Instagram: @the_mortgage_mum 

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

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

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

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

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

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

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

Hello and welcome back to another episode of The Mortgage Mum podcast. We're covering a really hot topic right now - because the majority of landlords remortgaging a Buy to Let property are now doing it through a limited company. We have got some of your most Googled questions on this topic and we're going to dive straight into them. Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email [email protected] or call 01702 887426.

Hello, and welcome to today's episode of The Mortgage Mum podcast. Today we are sticking with the remortgage topic - as 1.6 million of you are coming up to the end of your fixed rate in the next few months. We want to make sure you know your options when that remortgage comes around, and today we're covering remortgaging to buy a second home. There are news reports out there right now in May 2025 that people with a second home are actually trying to get rid of them. It's because of new tax rules from the government - but having said that, there are still lots of you dreaming about buying a second home. We're covering all your questions today, so let's get started! Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email [email protected] or call 01702 887426.

An Exclusive Interview with April Mortgages - Rachael Hunnisett! Exciting News! Listen to Sarah as she speaks to Rachael Hunnisett, about how you can buy a home with no deposit! Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email [email protected] or call 01702 887426.

Hello and welcome back to the Mortgage Mum podcast, where we're diving straight into Part Two of our conversation about remortgaging if you've suffered bad credit. Tessa will be asking all the questions people Google on this topic, to give you everything you need to know. If you haven't already, start by listening to Part One and then come back to Part Two. Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email [email protected] or call 01702 887426.

A very warm welcome to today's episode of the Mortgage Mum Podcast, where I'm here with Tessa who's going to be asking your questions. I'm excited to cover this topic, because I don't think there's enough information out there that feels friendly and informative. We're focusing on those of you with bad credit who are wondering whether you can remortgage. We're answering all the questions you're searching for online, to give you everything you need to know. Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email [email protected] or call 01702 887426.

Hello and welcome to another episode on The Mortgage Mum podcast. We are sticking with our Remortgage series, and today we're talking about Buy to Let Remortgages. This is a bitesize episode, hopefully giving you everything you need, with the lovely Tessa asking your questions. Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email [email protected] or call 01702 887426.

Hello and a very warm welcome to today's episode of The Mortgage Mum podcast. You've got a treat here because we have two co-hosts today - Liz, who is a member of the Mortgage Mum team - and Tessa, who's going to be asking all your questions. A big thank you to Jacqueline who messaged The Mortgage Mum and asked questions around the topic we're covering today: remortgaging when you are buying somebody out of your property. Jacqueline said she's been looking for a podcast about remortgaging and buying a partner out of a mortgage. This is usually post breakup or post divorce and many people ask us about this question. We're going to be answering Jacqueline's specific questions within this episode. Thank you for sending them in and prompting us to have this discussion today. Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast If you would like to reach out to Liz, Mortgage Broker at The Mortgage Mum please email [email protected] or call 01702 887426.  f 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 a warm welcome back to The Mortgage Mum podcast where we are diving into product transfers. What are they? How do they work? Are they the same as a remortgage? We're going to be answering all the questions that you've been sending in on this topic and we've got the wonderful Tessa here to host the episode as always. Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email [email protected] or call 01702 887426.

A very warm welcome to today's Mortgage Mum podcast. Here at The Mortgage Mum we are really passionate about celebrating new-build properties and shining a light on this area of the market. Today, we're continuing our remortgage season by talking about new build remortgages. And who better than to do that than our very own head of new builds, Charley O'Neill? Tessa's hosting the episode as normal and asking us all the questions you have when it comes to remortgaging new build properties.  Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast If you would like to reach out to Charley, Senior Mortgage and Protection Adviser & Head of New Build at The Mortgage Mum please email [email protected] or call 01702 887426. If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email [email protected] or call 01702 887426.