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Mortgage Momma

Author: Lisa Orme

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Helping homebuyers and inspiring investors to achieve their dreams, the Mortgage Momma podcast is hosted by Lisa Orme, portfolio landlord and award winning mortgage adviser.
17 Episodes
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House Buying Schemes

House Buying Schemes

2021-11-1726:42

Housing Schemes – Show NotesToday I’m talking about house buying schemes. There are various buying schemes available in the current market, I will talk you through each of them, the pros and cons of each and also the eligibility.You can listen directly at the link below or on the major podcast platforms – search for Mortgage Momma! https://mortgagemomma.buzzsprout.com Here are the links I mention in the podcast:NOTE: Since this podcast the Govt have launched a Help to Build Scheme though there are no lenders on board yet. More details here:https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/1035681/Help_to_Build_Prospectus.pdf ‘Own Your Home’ UK Government: http://www.ownyourhome.gov.ukSchemes in England: https://www.gov.uk/affordable-home-ownership-schemes Schemes in Wales: https://gov.wales/help-buy-home-schemesSchemes in Scotland: https://www.gov.scot/policies/homeowners Schemes in Northern Ireland: https://www.nidirect.gov.uk/information-and-services/buying-selling-and-renting-home/home-ownership-schemes My popular Right to Buy TikTok video: https://www.tiktok.com/@mortgagemommauk/video/7023297693749349637?lang=en&is_copy_url=1&is_from_webapp=v1 Other Useful Links:-For your FREE 20+ page property buyers checklist go to: www.mortgagemomma.uk Visit my website and my online store at: www.mortgagemomma.uk Or my Etsy shop at: https://www.etsy.com/shop/LifestyleMommaUK Check out my You Tube videos including my 5ive Guide Series: www.youtube.com/channel/UC34fMck64XLE2Z7EIdyEytg You can also get me in bite size chunks on TikTok: www.tiktok.com/@mortgagemommauk For loads more tips, information and inspiration join me on: Facebook: www.facebook.com/mortgagemommauk and Instagram:- www.instagram.com/mortgagemommauk Or for ease save this link and you’ll find the lot in one place! http://beacons.page/mortgagemommaSupport the show (https://www.paypal.com/donate?hosted_button_id=N5837PBVXPUGJ)
Autumn 2021 Budget Overview - Show NotesIn this episode I give a brief overview of the Autumn 2021 Budget with main highlights and my thoughts.You can listen directly at the link below or on the major podcast platforms – search for Mortgage Momma!https://mortgagemomma.buzzsprout.comUseful Links:For your FREE 20+ page property buyers checklist sign up at www.mortgagemomma.ukFor loads more useful tools to help you on your property journey visit my website and my online store at: www.mortgagemomma.ukOr my Etsy shop at: https://www.etsy.com/shop/LifestyleMommaUKCheck out my You Tube videos including my new 5ive Guide Series:www.youtube.com/channel/UC34fMck64XLE2Z7EIdyEytgYou can also get me in bite size chunks on TikTok:www.tiktok.com/@mortgagemommaukFor loads more tips, information and inspiration join me on:Facebook: www.facebook.com/mortgagemommaukandInstagram: www.instagram.com/mortgagemommaukOr for ease save this link and you’ll find the lot in one place!http://beacons.page/mortgagemommaSupport the show (https://www.paypal.com/donate?hosted_button_id=N5837PBVXPUGJ)
First Time Buyer Tales

First Time Buyer Tales

2021-10-1315:16

First Time Buyer Tales - Show NotesIn this episode I chat with my niece, Emily, about getting on the property ladder for the first time at the age of 21, how adverse credit stalled her plans, moving two years later and getting key access from the seller and her thoughts on property investing in the future. You can listen directly at the link below or on the major podcast platforms – search for Mortgage Momma!https://mortgagemomma.buzzsprout.comUseful Links:To purchase my mortgage budget calculator click hereFor your FREE 20+ page property buyers checklist sign up at www.mortgagemomma.ukFor loads more useful tools to help you on your property journey visit my website and my online store at: www.mortgagemomma.ukOr my Etsy shop at: https://www.etsy.com/shop/LifestyleMommaUKCheck out my You Tube videos including my new 5ive Guide Series:www.youtube.com/channel/UC34fMck64XLE2Z7EIdyEytgYou can also get me in bite size chunks on TikTok:www.tiktok.com/@mortgagemommaukFor loads more tips, information and inspiration join me on:Facebook: www.facebook.com/mortgagemommaukandInstagram: www.instagram.com/mortgagemommaukOr for ease save this link and you’ll find the lot in one place!http://beacons.page/mortgagemommaSupport the show (https://www.paypal.com/donate?hosted_button_id=N5837PBVXPUGJ)
Mortgages - Back to Basics – Show NotesIn this episode I get Back to Basics with mortgages; the different types of mortgages and mortgage products, repayment methods, interest rates and lots more. You can listen directly at the link below or on the major podcast platforms – search for Mortgage Momma!https://mortgagemomma.buzzsprout.comUseful Links:To purchase my mortgage calculator and graphs click hereFor your FREE 20+ page property buyers checklist sign up at www.mortgagemomma.ukFor your FREE 10 Point Property Investor Business Strategy go to my store here Visit my website and my online store at: www.mortgagemomma.ukOr my Etsy shop at: https://www.etsy.com/shop/LifestyleMommaUKCheck out my You Tube videos including my new 5ive Guide Series:www.youtube.com/channel/UC34fMck64XLE2Z7EIdyEytgYou can also get me in bite size chunks on TikTok:www.tiktok.com/@mortgagemommaukFor loads more tips, information and inspiration join me on:Facebook: www.facebook.com/mortgagemommaukandInstagram: www.instagram.com/mortgagemommaukOr for ease save this link and you’ll find the lot in one place!http://beacons.page/mortgagemommaSupport the show (https://www.paypal.com/donate?hosted_button_id=N5837PBVXPUGJ)
Using a Mortgage Broker Podcast - Part 2 – Show NotesIn this second of two episodes I’m talking about mortgage brokers; what they do in the mortgage process and how they can help you.You can listen directly at the link below or on the major podcast platforms – search for Mortgage Momma!https://mortgagemomma.buzzsprout.comUseful Links:-You can obtain your Check My File Report here.For your FREE 20+ page property buyers checklist go to:- www.mortgagemomma.ukVisit my website and my online store at:- www.mortgagemomma.ukOr my Etsy shop at:- https://www.etsy.com/shop/LifestyleMommaUKCheck out my You Tube videos including my new 5ive Guide Series:-www.youtube.com/channel/UC34fMck64XLE2Z7EIdyEytgYou can also get me in bite size chunks on TikTok:-www.tiktok.com/@mortgagemommaukFor loads more tips, information and inspiration join me on:-Facebook:- www.facebook.com/mortgagemommaukandInstagram:- www.instagram.com/mortgagemommaukOr for ease save this link and you’ll find the lot in one place!http://beacons.page/mortgagemommaSupport the show (https://www.paypal.com/donate?hosted_button_id=N5837PBVXPUGJ)
Using a Mortgage Broker Podcast - Part 1 – Show NotesIn this first of two episodes I’m talking about mortgage brokers; what they are, how they work and how they get paid. In Part 2 I’ll cover what they do in the mortgage process and how they can help you. You can listen directly at the link below or on the major podcast platforms – search for Mortgage Momma!https://mortgagemomma.buzzsprout.com Here are the links I mention in the podcast:-FCA Register: - https://register.fca.org.uk/sEstate Agents Code of Conduct - in particular sections 9, 10 and 18a: -https://www.tpos.co.uk/images/Codes_2019_a5/TPOE27-8_Code_of_Practice_for_Residential_Estate_Agents_A5_-_Effective_1_June_2019.pdf Other Useful Links:-For your FREE 20+ page property buyers checklist go to:- www.mortgagemomma.uk Visit my website and my online store at:- www.mortgagemomma.ukOr my Etsy shop at:- https://www.etsy.com/shop/LifestyleMommaUKCheck out my You Tube videos including my new 5ive Guide Series:-www.youtube.com/channel/UC34fMck64XLE2Z7EIdyEytgYou can also get me in bite size chunks on TikTok:- www.tiktok.com/@mortgagemommauk For loads more tips, information and inspiration join me on:-Facebook:- www.facebook.com/mortgagemommauk andInstagram:- www.instagram.com/mortgagemommaukOr for ease save this link and you’ll find the lot in one place!http://beacons.page/mortgagemomma Support the show (https://www.paypal.com/donate?hosted_button_id=N5837PBVXPUGJ)
Property Valuations

Property Valuations

2021-08-1433:18

Valuation Podcast – Show NotesIn this episode I’m talking about the weird and wonderful world of valuations. I cover the different types, costs, retentions, appeals, HMO valuations and much more. You can listen directly here or on the major podcast platforms – search for Mortgage Momma!RICS Valuation Descriptions:- https://www.rics.org/uk/upholding-professional-standards/sector-standards/building-surveying/home-surveys/ RICS Red Book:- https://www.rics.org/uk/upholding-professional-standards/sector-standards/valuation/red-book/?link=bottom-nav For your free property buyers checklist go to:- www.mortgagemomma.uk Visit my website and my online store at:- www.mortgagemomma.ukCheck out my You Tube videos including my new 5ive Guide Serieshttps://www.youtube.com/channel/UC34fMck64XLE2Z7EIdyEytgYou can also get me in bite size chunks on TikTok:- https://www.tiktok.com/@mortgagemommaukFor loads more tips, information and inspiration join me on:-Facebook:- www.facebook.com/mortgagemommauk andInstagram:- www.instagram.com/mortgagemommaukOr for ease save this link and you’ll find the lot in one place!https://beacons.page/mortgagemomma
Multi Unit Blocks

Multi Unit Blocks

2021-07-0615:03

MUB Podcast – Show NotesIn this episode I’m talking about Multi-Units; what they are, how lenders view them and some of the issues around creating leases and getting lending.For your free property buyers checklist go to:- www.mortgagemomma.uk Visit my website and my online store at:- www.mortgagemomma.ukCheck out my You Tube videos including my new 5ive Guide Serieshttps://www.youtube.com/channel/UC34fMck64XLE2Z7EIdyEytgYou can also get me in bite size chunks on TikTok:-https://www.tiktok.com/@mortgagemommaukFor loads more tips, information and inspiration join me on:-Facebook:- www.facebook.com/mortgagemommaukandInstagram:- www.instagram.com/mortgagemommaukOr for ease save this link and you’ll find the lot in one place!https://beacons.page/mortgagemommaSupport the show (https://www.paypal.com/donate?hosted_button_id=N5837PBVXPUGJ)
Property Joint Ventures Podcast – Show NotesIn this episode I’m talking about Property Joint Ventures; when to consider them, the risks and rewards and how to deal with lenders.Here are the links I mention in the podcast.FCA Rules on PS13/3 - click here to read. Purchase Joint Venture agreements and much more at my new website and store:- www.mortgagemomma.ukYou can listen directly here or on the major podcast platforms – search for Mortgage Momma!For your free property buyers checklist go to:- www.mortgagemomma.uk Visit my website and my online store at:- www.mortgagemomma.ukCheck out my You Tube videos including my new 5ive Guide Serieshttps://www.youtube.com/channel/UC34fMck64XLE2Z7EIdyEytgYou can also get me in bite size chunks on TikTok:-https://www.tiktok.com/@mortgagemommaukFor loads more tips, information and inspiration join me on:-Facebook:- www.facebook.com/mortgagemommaukandInstagram:- www.instagram.com/mortgagemommaukOr for ease save this link and you’ll find the lot in one place!https://beacons.page/mortgagemommaDISCLAIMERIkon Publishing Limited cannot be held responsible for decisions you make as a result of the information included in this document.We always recommend that you consult appropriate professionals including financial advisors, solicitors and accountants before making any investment decisions.Some links may be affiliate links which means I may receive a small commission if you make a purchase. This helps support the channel - thank you.COPYRIGHTIkon Publishing Limited 2021The content and information featured is the property of Ikon Publishing Limited, unless otherwise stated. Reproduction, copying, misrepresentation or other form of illegitimate use is strictly prohibited without our prior written permission.Support the show (https://www.paypal.com/donate?hosted_button_id=N5837PBVXPUGJ)
Credit Reports and Credit Scores Podcast – Show NotesIn this episode I’m talking about Credit Reports and Credit Scores.Here are the links I mention in the podcast.You can obtain your Check My File Report here.To obtain your National Hunter Report go here.To obtain your Trust Online CCJ data go here.To check Companies House go here.You can listen directly here or on the major podcast platforms – search for Mortgage Momma!For your free property buyers checklist go to:- www.mortgagemomma.uk Visit my website and my online store at:- www.mortgagemomma.ukCheck out my You Tube videos including my new 5ive Guide Serieshttps://www.youtube.com/channel/UC34fMck64XLE2Z7EIdyEytgYou can also get me in bite size chunks on TikTok:-https://www.tiktok.com/@mortgagemommaukFor loads more tips, information and inspiration join me on:-Facebook:- www.facebook.com/mortgagemommaukandInstagram:- www.instagram.com/mortgagemommaukOr for ease save this link and you’ll find the lot in one place!https://beacons.page/mortgagemommaDISCLAIMERIkon Publishing Limited cannot be held responsible for decisions you make as a result of the information included in this document.We always recommend that you consult appropriate professionals including financial advisors, solicitors and accountants before making any investment decisions.Some links are affiliate links which means I may receive a small commission if you make a purchase. This helps support the channel - thank you.COPYRIGHTIkon Publishing Limited 2021The content and information featured is the property of Ikon Publishing Limited, unless otherwise stated. Reproduction, copying, misrepresentation or other form of illegitimate use is strictly prohibited without our prior written permission.Support the show (https://www.paypal.com/donate?hosted_button_id=N5837PBVXPUGJ)
In this episode I’m talking about Bridging, Development and Short-Term Finance.One of the most common discussions I have is about using short term finance but it can take many forms so I’m going to cover the various types, give an outline of the various scenarios that require this type of finance, likely costs and some of the risks.   You can listen directly here or on the major podcast platforms – search for Mortgage Momma!For your free property buyers checklist go to:- www.mortgagemomma.uk Visit my website and my online store at:- www.mortgagemomma.ukCheck out my You Tube videos including my new 5ive Guide Serieshttps://www.youtube.com/channel/UC34fMck64XLE2Z7EIdyEytgYou can also get me in bite size chunks on TikTok:-https://www.tiktok.com/@mortgagemommaukFor loads more tips, information and inspiration join me on:-Facebook:- www.facebook.com/mortgagemommaukandInstagram:- www.instagram.com/mortgagemommaukOr for ease save this link and you’ll find the lot in one place!https://beacons.page/mortgagemommaSupport the show (https://www.paypal.com/donate?hosted_button_id=N5837PBVXPUGJ)
Legals and Conveyancing Podcast – Show NotesIn this episode I’m talking legals and conveyancing; what is it, what does it involve, how much does it cost and loads of other useful information to help you navigate through the most important stage of your property process.Here’s the links I refer to in the podcast:-You can download Land Registry titles at this link:-https://www.gov.uk/search-property-information-land-registryMy Leasehold podcast can be accessed here or on all the major podcast platforms:-You can listen directly here or on the major podcast platforms – search for Mortgage Momma!For your free property buyers checklist go to:- www.mortgagemomma.uk Visit my website and my online store at:- www.mortgagemomma.ukCheck out my You Tube videos including my new 5ive Guide Serieshttps://www.youtube.com/channel/UC34fMck64XLE2Z7EIdyEytgYou can also get me in bite size chunks on TikTok:-https://www.tiktok.com/@mortgagemommaukFor loads more tips, information and inspiration join me on:-Facebook:- www.facebook.com/mortgagemommaukandInstagram:- www.instagram.com/mortgagemommaukOr for ease save this link and you’ll find the lot in one place!https://beacons.page/mortgagemommaSupport the show (https://www.paypal.com/donate?hosted_button_id=N5837PBVXPUGJ)
HMO Podcast – Show NotesIn this episode I’m talking about HMOs. I cover HMO basics, licensing, planning, valuations and finance.Here’s some of the links I refer to in the podcast.Video discussion with Grant Amos on HMO valuations:-https://youtu.be/ymWygfS6o5A Street vs Mountford:-https://www.bailii.org/uk/cases/UKHL/1985/4.htmlHMO Licensing England:-https://www.gov.uk/private-renting/houses-in-multiple-occupationNote that in England you should check the council websites for more detailed rules and requirements. HMO Licensing Wales:-https://gov.wales/houses-multiple-occupation-hmo-guidance-local-authorities HMO Licensing Northern Ireland:-https://www.belfastcity.gov.uk/community/housing/ni-hmo HMO Licensing – Scotland:-https://www.gov.scot/publications/licensing-multiple-occupied-housing-statutory-guidance-for-scottish-local-authorities You can listen directly here or on the major podcast platforms – search for Mortgage Momma!For your free property buyers checklist go to:- www.mortgagemomma.uk Visit my website and my online store at:- www.mortgagemomma.ukCheck out my You Tube videos including my new 5ive Guide Serieshttps://www.youtube.com/channel/UC34fMck64XLE2Z7EIdyEytgYou can also get me in bite size chunks on TikTok:-https://www.tiktok.com/@mortgagemommaukFor loads more tips, information and inspiration join me on:-Facebook:- www.facebook.com/mortgagemommaukandInstagram:- www.instagram.com/mortgagemommaukOr for ease save this link and you’ll find the lot in one place!https://beacons.page/mortgagemommaSupport the show (https://www.paypal.com/donate?hosted_button_id=N5837PBVXPUGJ)
In this episode I explain the many types of property ownership including freehold, leasehold, share of freehold, commonhold and Scottish feuhold. I cover the many issues to look out for when buying these properties including costs you might face, legals, finance and Cornish pasties. I also cover splitting titles of multi unit blocks and matters landlords and developers should be aware of.*** BREAKING NEWS ***Following the publication of this podcast the Govt have announced the launch of a multi body council to look into using the Commonhold model more often. More details in the link below:- https://www.financialreporter.co.uk/finance-news/government-launches-commonhold-council-to-prepare-market-for-widespread-uptake.htmlHere are the links I refer to in the podcast:-Bona Vacantia Property Listhttps://www.gov.uk/government/statistical-data-sets/unclaimed-estates-listLease Advice and Calculatorhttps://www.lease-advice.orgYou can download Land Registry titles at this link:-https://www.gov.uk/search-property-information-land-registryHere’s an overview of the current situation regarding EWS1 requirements:- https://commonslibrary.parliament.uk/the-external-wall-fire-review-process-ews You can listen directly here or on the major podcast platforms – search for Mortgage Momma!For your free property buyers checklist go to:- www.mortgagemomma.uk Visit my website and my online store at:- www.mortgagemomma.ukCheck out my You Tube videos including my new 5ive Guide Serieshttps://www.youtube.com/channel/UC34fMck64XLE2Z7EIdyEytgYou can also get me in bite size chunks on TikTok:-https://www.tiktok.com/@mortgagemommaukFor loads more tips, information and inspiration join me on:-Facebook:- www.facebook.com/mortgagemommaukandInstagram:- www.instagram.com/mortgagemommaukOr for ease save this link and you’ll find the lot in one place!https://beacons.page/mortgagemommaSupport the show (https://www.paypal.com/donate?hosted_button_id=N5837PBVXPUGJ)
Let to Buy

Let to Buy

2021-05-0420:33

If you are looking to buy a new home and want to keep your current home as a rental property this is called LET TO BUY. In this episode I cover many of the aspects of Let to Buy including stamp duty, mortgages and selling your existing property to a company to avoid the stamp duty surcharge as well as the alternative options. In the podcast I refer to a great stamp duty calculator and here’s the link:- www.stampdutycalculator.org.ukYou can listen directly here or on the major podcast platforms – search for Mortgage Momma!For your free property buyers checklist go to:- www.mortgagemomma.uk Visit my website and my online store at:- www.mortgagemomma.ukCheck out my You Tube videos including my new 5ive Guide Serieshttps://www.youtube.com/channel/UC34fMck64XLE2Z7EIdyEytgYou can also get me in bite size chunks on TikTok:-https://www.tiktok.com/@mortgagemommaukFor loads more tips, information and inspiration join me on:-Facebook:- www.facebook.com/mortgagemommaukandInstagram:- www.instagram.com/mortgagemommaukOr for ease save this link and you’ll find the lot in one place!https://beacons.page/mortgagemommaSupport the show (https://www.paypal.com/donate?hosted_button_id=N5837PBVXPUGJ)
Buying a Second Property

Buying a Second Property

2021-04-2717:051

What to consider when buying a second property including holiday homes, furnished holidays lets, serviced accommodation and properties for family to live in as well as obtaining finance and mortgage application tips.You can listen directly here or on the major podcast platforms – search for Mortgage Momma!For your free property buyers checklist go to:- www.mortgagemomma.uk Visit my website and my online store at:- www.mortgagemomma.ukCheck out my You Tube videos including my new 5ive Guide Serieshttps://www.youtube.com/channel/UC34fMck64XLE2Z7EIdyEytgYou can also get me in bite size chunks on TikTok:-https://www.tiktok.com/@mortgagemommaukFor loads more tips, information and inspiration join me on:-Facebook:- www.facebook.com/mortgagemommaukandInstagram:- www.instagram.com/mortgagemommaukOr for ease save this link and you’ll find the lot in one place!https://beacons.page/mortgagemommaSupport the show (https://www.paypal.com/donate?hosted_button_id=N5837PBVXPUGJ)
Buying Property in a Limited CompanyWhat to consider when buying investment properties in a limited company, the impact on You can listen directly here or on the major podcast platforms – search for Mortgage Momma!For your free property buyers checklist go to:- www.mortgagemomma.uk Visit my website and my online store at:- www.mortgagemomma.ukCheck out my You Tube videos including my new 5ive Guide Serieshttps://www.youtube.com/channel/UC34fMck64XLE2Z7EIdyEytgYou can also get me in bite size chunks on TikTok:-https://www.tiktok.com/@mortgagemommaukFor loads more tips, information and inspiration join me on:-Facebook:- www.facebook.com/mortgagemommaukandInstagram:- www.instagram.com/mortgagemommaukOr for ease save this link and you’ll find the lot in one place!https://beacons.page/mortgagemommaSupport the show (https://www.paypal.com/donate?hosted_button_id=N5837PBVXPUGJ)
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