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The Mortgage Mum Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from The Mortgage Mum, Mortgage brokers, Southend-on-Sea.

Sarah Tucker is the Founder & CEO of The Mortgage Mum - a multi-award winning National Mortgage & Protection brokerage with a difference - as well as a TV Mortgage Expert seen regularly on ITV’s This Morning, Sky News, BBC News and more.

21/10/2026

This is why you don’t have to watch rates yourself 👀

In the last week alone, lenders have cut some rates, increased others and made a real mixed bag of changes. It’s normal, but it’s hard to keep up with.

If your deal ends in the next 6 months, now is a good time to speak to an adviser. You can often secure a rate early, so you’re protected if rates rise, and you can usually still switch if something better comes along.

Follow for more - we will keep an eye on it for you!

19/10/2026

Autumn Budget is nearly here, and the rumour mill is in overdrive đź‘€

Here’s the strongest predictions and forecasts for the budget announcement on 28th October.

* Mansion tax threshold staying at ÂŁ2m (reportedly)
* Stamp duty changes ruled out
* No stamp duty and council tax swap for an annual property tax
* âť“ Capital Gains Tax: could rise, landlords and second-home owners watch this one
* âť“ Inheritance tax: the 10% estate levy rumour is denied for now
* đź’ˇ Energy bill help reportedly coming for lower-income households
* đź”§ Heat pump grants could be cut, nothing confirmed
* 🔑 Your First Home scheme: the full details are due on the day

Remember, these are predictions, not announcements. Nothing is confirmed until Chancellor John Healey confirms it on 28 October.

Save this so you can check back after the Budget and send it to anyone buying or selling soon!

This week is Baby Loss Awareness Week, and for us it’s personal. We have women on our team who have experienced baby los...
14/10/2026

This week is Baby Loss Awareness Week, and for us it’s personal.

We have women on our team who have experienced baby loss in the past, and so many of us don’t get the time to grieve properly. We’re expected to carry on, go back to work and get on with things, even when we’re deeply hurting.

In September, The Mortgage Mum introduced a miscarriage bereavement policy.

Our employed team gets two weeks’ paid leave. Our self-employed advisers can take up to two weeks away from the business, and because their income is commission-based, we’ll do our best to support them financially during that time, where reasonably possible.

From April 2027, as announced by Prime Minister Andy Burnnam, employees will have a legal right to up to two weeks’ leave after pregnancy loss, but it will be unpaid.

We’re making sure that financial worry isn’t there for The Mortgage Mum employed team.

If you’re going through this, or you have been, you are not alone.

We’ll be lighting a candle at 7pm on 15 October for the Wave of Light. 🕯️

themortgagemum

We’re shortlisted!!!The Mortgage Mum has been nominated for Best Social Media Content in the 2026 Personal Finance Award...
13/10/2026

We’re shortlisted!!!

The Mortgage Mum has been nominated for Best Social Media Content in the 2026 Personal Finance Awards, and we are absolutely thrilled.

We’ve always aimed to make mortgages easier to understand, and to bring you the news before everyone else. That’s meant being at the cutting edge of the industry, from exclusive product launches to reporting live from Downing Street.

Being shortlisted is a real compliment to the work we put in to keep you informed, and the nomination comes from readers like you.

Voting is open for the next eight weeks. If our content has helped, made you smile or kept you up to date, we’d love your vote. It only takes a minute.

Comment VOTE to get the link or head to the link in our bio

Thank you for being part of it. We couldn’t do it without you!

09/10/2026

Yearly retreats for the last two years, because wellbeing is part of the agenda. 🤍

Every year, The Mortgage Mum team steps away for a couple of days to pause, reflect on our values and spend real time together.

This year it was Vaulty Manor: slow mornings, good breakfasts, dancing, deep conversations and creativity. It’s one of the ways we make sure looking after our people isn’t an afterthought.

Looking for a career where you’re supported as a person, not just as an adviser? We’re looking for experienced mortgage advisers to join the self-employed team.

If that sounds like you, we’d love to hear from you. đź’¬ DM us or email [email protected]

Feeling incredibly grateful for this community we have together. We can’t wait for you to be a part of it 🤍

08/10/2026

We form our relationship with money by the age of 7!

By the time we’re navigating adult financial decisions, applying for a mortgage, considering homeownership, budgeting for a future, we’re often being guided by beliefs we picked up as children.

Maybe you heard:
💬 “We can’t afford that.”
💬 “Money doesn’t grow on trees.”
💬 “People like us don’t own homes.”

Even if those words weren’t said out loud, you felt them.

The stress in your household when bills came in.

The silence around money conversations.
The sense that financial stability was for “other people.”

Fast forward to now, and suddenly, you’re expected to make one of the biggest financial decisions of your life, while carrying decades of emotion, anxiety, and self-doubt.

It’s no wonder people feel overwhelmed.

Shame. Confusion. Fear of getting it wrong.

A quiet voice that says, “Who am I to even think I could own a home?”

This is exactly why working with the right adviser matters.

It’s about creating a safe space where you can ask the “silly” questions, say the things you’re scared to say out loud, and start to rebuild your confidence with money.

When we work with clients, we see it every day…

The emotional weight behind that first phone call.

The shift in energy when we create a plan that feels possible.

Financial wellbeing isn’t just about what’s in your bank account, it’s about how safe, secure, and empowered you feel.

You don’t need to wait until you’ve got it all figured out.

You just need someone who’ll advise without judgment, with clarity, compassion and expertise.

07/10/2026

Fixed rate ending soon and not sure what to do?

First of all, don’t wait! It’s always best to lock a rate in. We recommend getting in touch 6 months in advance, and hopefully like us your adviser can price match - so that rate can be adjusted later, if needed.

If you have a mix of goals like Judith, debt consolidation and an extension, we can lay out your whole plan and advise the smoothest option.

Knowing your goals in advance gives you time to plan properly, let’s us empower you and helps you tick off your goals in a way that supports your personal circumstances.

Don’t wait to get advice. A well thought out timeline gets you back in control.

Follow for more guidance and comment your remortgage goals below 👇🏻

06/10/2026

Shared ownership could be your way onto the property ladder...

If buying outright feels out of reach, shared ownership might help you move from renting to owning, with a smaller deposit and a route to full ownership over time.

Shared ownership is a government-backed scheme. You buy a share of a home (usually between 10% and 75% in England) and pay rent on the rest. Later, if your finances allow, you can buy more shares through a process called staircasing, in some cases in chunks as small as 1%, until you own 100% if you want to.

Why people choose it:
⚪️ A smaller deposit, based on your share rather than the full value of the home
⚪️ Monthly costs that can be lower than buying outright, and in some areas lower than renting privately
⚪️ A chance to build equity instead of paying rent with no return
⚪️ The flexibility to increase your ownership when you're ready

Who is it for?
It's available on new builds and some resale homes. It's open to first-time buyers and to people who used to own a home but can't afford to buy again right now. Household income limits and other eligibility criteria apply.

Worth keeping in mind:

-Not all homes are available through shared ownership
-You'll still need a mortgage for your share, and most lenders will ask for a deposit
-Your monthly payments include mortgage, rent and service charges, so work out the full cost before you commit
-Terms vary by scheme and provider

Think carefully about whether it's right for your situation, and speak to a qualified mortgage adviser if you're unsure.

Follow for more homebuying tips!

📌 Your home may be repossessed if you do not keep up repayments on a mortgage. This post is for general information only and is not financial advice.

05/10/2026

Big one for first-time buyers!

The Cambridge Building Society has just launched a new 5-year fixed rate on its First Step range (98% LTV), joining the existing 2-year fix.

Here’s what you need to know:
• Just a 2% deposit needed, and it can be gifted by close family
• Loans up to £500,000
• Up to 5.5x income
• New builds are accepted
• Free valuation included
• Affordability assessed on the pay rate
• Available through brokers across the whole market

Saving a big deposit is the biggest hurdle for lots of first-time buyers, and a 5-year fix means you know exactly what your payments will be for longer. That’s a real help when budgeting is tight.

It’s important to remember a smaller deposit usually means a higher rate and a bigger loan, so it’s always important to get advise!

Tell us - Do products like this give you hope? 👇🏻

01/10/2026

Over 50 and been told your mortgage options are limited? đź‘€

April Mortgages has just expanded what they offer for borrowers aged 50+, and it’s a big one:

• No maximum age at the end of the term for sole applicants (joint applications up to age 80)
• State Pension, private and workplace pensions and Pension Credit can all be considered
• Up to 4% of your pension pot can count as annual income
• Interest only available from £24,000 income, up to 60% loan to value, with sale of the property accepted as the repayment plan
• 5, 10 and 15-year fixed rates, unlimited overpayments and automatic rate reductions as your LTV drops
• Family support through JBSP+, where loved ones can add their income while the home stays in your name

Whether you’re remortgaging, moving or thinking you’d have to go down the later-life lending route, it’s worth a conversation first.

Are you over 50 and excited by this? Let us know your thoughts in the comments!

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Southend-on-Sea
SS07EW

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