The Mortgage Mum Podcast Sarah Tucker

“Demystifying the million pound mortgage”
Welcome to this month’s episode of The Mortgage Mum podcast. This month’s episode is hosted by two of our expert mortgage brokers, Kim Balasubramaniam and Katrina Horsted.
With backgrounds in high-end events and luxury fashion, Kim and Katrina are well versed in dealing with discerning, high net worth clients. 
In this episode they discuss the million pound mortgage; why you might need one, how to get one and how working with a broker in this space is vital.
Kim and Katrina discuss the need for million pound mortgages, both in the residential, buy-to-let and development sectors, particularly for those families wishing to move to their forever homes.
They talk through affordability considerations; for those clients with complex incomes, background investments and illiquid assets and how different lenders take these elements into consideration.
Katrina shares the types of mortgages available for larger loan sizes and the considerations that should be given to each, and Kim discusses the various repayment options available.
Finally, the pair share how working with a broker in this space is vital both to save the client time, and to lean on their expertise and relationships with lenders and their specialist larger lending teams to ensure a smooth journey to completion of that million pound mortgage and forever home.

Eliot Darcy is the CEO and Founder of Own New. Own New is dedicated to solving problems on the housing market and helping people to buy new homes. 
This episode focuses on their Rate Reducer scheme which they have brought to the market which gives buyers access to lower interest rates when purchasing a new build property.
Charley O'Neill, Senior Mortgage and Protection Advisor at The Mortgage Mum chats to Eliot about the advantages of the scheme, where the idea came from, a bit about Eliot’s history and advantages of buying a new build. 
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 
For more information about the Scheme please visit: Own New
Follow Eliot on LinkedIn
If you'd like to reach out to Charley with an enquiry about new builds or general mortgages, please email: charley@themortgagemum.co.uk or call 07841 581992.

Welcome to April’s episode, where guest host Gemma Bennett, Senior Broker at The Mortgage Mum, takes time to discuss getting mortgage ready when you have a fixed term, temporary or zero hours employment contract.
Being employed doesn’t look the same for everyone and if you have an employment contract that isn’t considered permanent, you may need to consider a few extra elements to help lenders understand your current and future income, when it comes to applying for a mortgage.
Since working in the mortgage industry Gemma has seen just how varied lenders are in their approaches to contract workers and uses this podcast episode to give you an overview of things to consider and how to get yourself in the best position.
Essentially it comes down to offering the lenders as much evidenced security of your income levels as we can. We do this by looking both back at your recent employment history and forward when it comes to non permanent contracted employment.
Gemma hopes she can shed some light on what’s required and what is most helpful if you’re in this position. Please don’t hesitate to ask any questions.
Gemma is an award-winning senior broker at the mortgage mum and can be contacted on Gemma@themortgagemum.co.uk
Follow Gemma on:
Instagram @gemmabennett_themortgagemum
Facebook @gemmabennett_themortgagemum
LinkedIn Gemma Bennett

Welcome back Sarah! This month’s episode see’s the return of The Mortgage Mum’s Managing Director, Sarah Tucker.
Sarah records her first podcast episode since coming back from maternity leave and shares an insight into the past year.
As Managing Director, Sarah gets asked a lot of questions around owning a business and having children, including what that looks like, how she manages it, and how this feels, which she explains in this episode.
Plus, ahead of International Women’s Day this week, Sarah hopes to inspire other women that might be looking to start a family and run a business.
Listen now on The Mortgage Mum website or wherever you get your podcasts!

In our new episode on The Mortgage Mum Podcast, we are joined by three of our Mortgage Mums - Sally Mitchell (Senior Mortgage Broker and Business Manager), Katrina Horstead (Mortgage Broker) and Kim Balasubramaniam (Senior Mortgage Broker).
Each with a very different story, Sally, Katrina and Kim talk through their unique back stories including how they became Mortgage Brokers and how they landed their roles at The Mortgage Mum. They talk about their background, how they discovered The Mortgage Mum, getting qualified and more. They talk about how being a mortgage broker is a true "human" job, listening to real people and understanding their circumstances. It's beyond numbers, it's interesting and exciting.
Proving that you don't have to have a background in Financial Services, we hope their inspiring journeys can show that you can create a flexible work and life balance as a broker. Not all of our brokers are parents, but those that are, make this career work around their families.
Mortgage brokers are a huge part of anyone's property-purchase. The Mortgage Mum brokers specifically are there every step of the way. They build real relationships and their invaluable life experience really shapes the much needed positive, patient, kind and empathetic attitude the mortgage industry needs, all of which we believe contributes to being a successful mortgage broker.
If you feel inspired by this episode and Sally, Katrina and Kim's stories, and are interested in becoming a mortgage broker, or whether you are already a broker and want to find out more about being a broker at The Mortgage Mum, then please check out our course: Your Complete Guide To Becoming A Mortgage Broker. Hosted by our founders, Sarah Tucker and Jamie Lewis, this course covers getting the qualifications you need, learning how to get your own leads, branding your business and everything in between. Visit themortgagemumcourses.co.uk to find out more.
Get to know Sally Mitchell, Katrina Horstead and Kim Balasubramaniam via our website where you can also find their social media links to connect with. ww.themortgagemum.co.uk/our-team/sally-mitchell www.themortgagemum.co.uk/our-team/katrina-horstead www.themortgagemum.co.uk/our-team/kim-balasubramaniam
Visit The Mortgage Mum YouTube channel to watch the video recording of this episode.

Welcome to January’s episode, where guest host, Gemma Bennett, Senior Broker at The Mortgage Mum takes time to discuss getting mortgage ready as a self-employed applicant.
Gemma has been self-employed as a sole trader and a limited company director for her whole working life. She understands how it can really feel like you’re jumping through hoops and met with a certain amount of resistance when it comes to mortgages first hand.
Since working in the mortgage industry for the last few years Gemma has seen the other side, the lenders side of self-employed lending. Gemma wants to put both areas of experience and knowledge together, to help her fellow self-employed applicants be as prepared and empowered as possible when it comes to their mortgage needs.
Gemma offers tips and explains certain processes in a hope that you as a self-employed mortgage applicant, can get yourself in the best possible position for your mortgage needs.  
We really hope you enjoy this episode and please don’t hesitate to ask any questions.
Gemma is an award-winning Senior Broker at the mortgage mum and can be contacted on Gemma@themortgagemum.co.uk
Follow Gemma on: 
Instagram @gemmabennett_themortgagemum
Facebook @gemmabennett_themortgagemum
LinkedIn Gemma Bennett