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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
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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!
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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.
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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
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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 futuresElizabeth 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
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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.
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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 worthListen 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.
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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.
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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
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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
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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 lifeAs 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 [email protected] or call 07956 810782.
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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 [email protected]
Follow Gemma on Instagram @gemmabennett_themortgagemum
Facebook @gemmabennett_themortgagemum
LinkedIn Gemma Bennett
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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: [email protected] Phone: 07368 190255 Instagram: jadetimsonproud_mortgages Website: https://themortgagemum.co.uk/our-team/jade-timson-proud/
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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:
(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:
[email protected] Mob: 07786 566888
(4) Shelley (Shickle) Walker | LinkedIn
https://www.instagram.com/shelleywalker_themortgagemum/
(9) Shelley Walker - The Mortgage Mum | Southend-on-Sea | Facebook
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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
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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
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"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
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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
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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
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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 TassoneSOCIAL 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:
[email protected] 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:
[email protected]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
- Visa fler
