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Mortgage Momma

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.

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Multi Unit Blocks

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.To get your FREE property buyers checklist and to visit my online store where you can get 20+ years of great tools for investors, landlords and homebuyers as well as some freebies go to:- www.mortgagemomma.uk For loads more tips, information and inspiration join me on:-YouTube:- www.youtube.com/channel/UC34fMck64XLE2Z7EIdyEytgInstagram:- www.instagram.com/mortgagemommaukFacebook:- www.facebook.com/mortgagemommauk 

15mins

6 Jul 2021

Rank #1

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Property Joint Ventures

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.ukCheck out my new You Tube channel.For loads more tips, information and inspiration join me on Facebook and InstagramDISCLAIMERIkon 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.

19mins

25 Jun 2021

Rank #2

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Credit Reports and Credit Scores

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.Check out my new You Tube channel.Get checklists and spreadsheets for homebuyers and home movers at my new Etsy store.For your free property buyers checklist go to:- www.mortgagemomma.ukFor loads more tips, information and inspiration join me on Facebook and InstagramDISCLAIMERIkon 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.

24mins

15 Jun 2021

Rank #3

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Bridging, Development and Short Term Finance

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.   For your free property buyers checklist go to:- www.mortgagemomma.uk For loads more tips, information and inspiration join me on Facebook:- www.facebook.com/mortgagemommauk andInstagram:- www.instagram.com/mortgagemommauk

24mins

3 Jun 2021

Rank #4

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Property Legals and Conveyancing

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:-https://www.buzzsprout.com/1724320/8584429 For your FREE property buyers checklist go to:- www.mortgagemomma.ukYou can also join me on Facebook:- www.facebook.com/mortgagemommaukandInstagram:- www.instagram.com/mortgagemommauk

31mins

25 May 2021

Rank #5

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HMOs - Houses in Multiple Occupation

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 For your free property buyers checklist, more tips and inspiration go to:- www.mortgagemomma.ukYou can also join me on Facebook:- www.facebook.com/ukmortgagemommaandInstagram:- www.instagram.com/mortgagemommauk

30mins

19 May 2021

Rank #6

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Leaseholds and Types of Property Ownership

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 For your free property buyers checklist, more tips and inspiration go to:- www.mortgagemomma.ukYou can also join me on Facebook:- www.facebook.com/ukmortgagemommaandInstagram:- www.instagram.com/mortgagemommauk

29mins

11 May 2021

Rank #7

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Let to Buy

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.ukFor your free property buyers checklist, more tips and inspiration go to:- www.mortgagemomma.ukYou can also join me on Facebook:- www.facebook.com/ukmortgagemomma andInstagram:- www.instagram.com/mortgagemommauk

20mins

4 May 2021

Rank #8

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Buying a Second Property

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.For your free property buyers checklist, more tips and inspiration go to:- www.mortgagemomma.ukYou can also join me on Facebook:- www.facebook.com/ukmortgagemomma andInstagram:- www.instagram.com/mortgagemommauk

17mins

27 Apr 2021

Rank #9

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Buying Property in a Limited Company

Buying Property in a Limited CompanyWhat to consider when buying investment properties in a limited company, the impact on obtaining finance and mortgage application tips. For your free property buyers checklist, more tips and inspiration go to:- www.mortgagemomma.uk You can also join me on Facebook www.facebook.com/ukmortgagemomma and Instagram:- www.instagram.com/mortgagemommauk

16mins

18 Apr 2021

Rank #10