The Mortgage Mum Podcast

Hosted by Sarah Tucker

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Episodes

100

Latest episode

Jun 2026

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About the show

The Mortgage Mum Podcast.... where we believe mortgages are about more than just money. This podcast features helpful mortgage tips and advice, interviews with inspiring people inside and outside of the financial services industry and tools to help you achieve balance in every area of your life. We will demystify mortgages, and you will learn about the law of attraction, money mindset, my experience on The Voice UK and so much more.

Listen to episodes

60 recent

June 15, 20264 min

Could your child BUY a home instead of renting at university? Buy for University Mortgage Explained

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/

June 8, 2026Episode 1330 min

M's The Word | Men are suffering in silence: what alcohol dependency really looks like | Ft. Paul Adams

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

June 1, 2026Episode 1223 min

M's The Word | E12 Memory Making: How to Survive the Summer Holidays as a Working Parent

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

May 25, 2026Episode 74 min

On The Ladder Ep 7b | The 4 Types of Mortgage Rates Explained (Fixed, Tracker, Discount & SVR)

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.

May 18, 2026Episode 76 min

On The Ladder Ep. 7 | First Time Buyers Applying For a Mortgage

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.

May 11, 2026Episode 927 min

M's The Word | E11 Modification: Beauty Standards, Body Modification & Who's Really in Control?

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!

May 8, 2026Episode 217 min

Renters' Rights Act 2026: The Future of the PRS & What Needs to Change | Part 2

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.

May 4, 2026Episode 1022 min

M's The Word | E10 More! At What Point Does Wanting More Start Costing You?!

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.

May 1, 2026Episode 128 min

Renters' Rights Act 2026: What Actually Changes & What It Means for You | Part 1

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.

April 27, 2026Episode 69 min

On The Ladder Ep.6 | How Much Can I Borrow For A Mortgage?

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.