The Mortgage Mum Podcast

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

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

"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

How can you get a lump sum if you're diagnosed with a critical illness?

This episode will guide you through the reality of critical illness cover, and why you need it, and includes special guest and co-host, Gemma Sawyer, one of our wonderful protection advisers.

We cover all of your questions on this topic, and Gemma shares her very personal story to why protection is so important to her.

Sadly, we see many cases of the unexpected happening, and it's our job to make sure you have protection if it does happen to you!

Let Gemma and I demonstrate why protection needs to be considered PART of your mortgage, NOT an "add-on".

If you need your protection reviewed for FREE, or you know someone who does, please refer them to us. We would love to help!

The Mortgage Mum is a team of over 25 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish.

Follow The Mortgage Mum on all social media platforms.

Thank you for listening.

Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented.

If you would like to appear as a guest on The Mortgage Mum podcast please email

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