The Mortgage Mum

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.

09/09/2026

Don’t gamble with your remortgage rate!

Is your remortgage rate ending? Are you worried about coming off a 5 year fixed rate right now?

You can lock in a new remortgage deal up to 6 months before your current deal ends, and if rates improve again while you’re waiting to complete, your adviser can renegotiate a better rate for you.

The best part of working with an adviser is being able to download ALL your thoughts and worries, and let them work out the solution FOR YOU and with you.

If you’re feeling anxious about what is right for you at your next remortgage, is hosting a FREE webinar and Q&A on the 28th September, 7-8pm.

Head to her page to register now 🔗

08/09/2026

🚨 If your mortgage deal ends in the next 6 months, don’t ignore this…

Fixed rates have been coming down lately, with some lenders cutting their rates. But swap rates (what lenders use to price fixed deals behind the scenes) have just jumped, and that could mean:

📈 Cheaper deals start disappearing
📈 Lenders push fixed rates back up

Our advice? Don’t wait and see what happens.

• Secure a rate now to protect yourself
• Keep it under review with your adviser
• If rates drop before completion, you can switch to something better
• If rates rise, you’re already locked in and protected

Speak to us today to get organised!

Comment “RISE” below for more information.

The Mortgage Mum team continues to go above and beyond! ⭐⭐⭐⭐⭐Reading your reviews always means so much, knowing we are t...
07/09/2026

The Mortgage Mum team continues to go above and beyond! ⭐⭐⭐⭐⭐

Reading your reviews always means so much, knowing we are turning what can be a daunting experience into a smooth, supportive, and empowering one.

From clear explanations to full support every step of the way, we’re proud to make mortgages and protection feel that bit easier.

Thank you to our amazing clients for trusting us and for your kind words, your feedback means the world to us. We’re here for you, always!

04/09/2026

If you feel mum guilt, it's time to reframe things!

This was a beautiful moment from Gemma that did just that on our most recent episode M's The Word - Mum Hack & Mum Guilt.

This episode is packed full of insightful moments that change your whole perspective, and loads of helpful tips - perfect Friday feels!

Click the link in the comments to watch now.

03/09/2026

🚨 BREAKING: 6.5x income lending for first-time buyers!

Coventry Building Society has just announced up to 6.5x income lending for eligible first-time buyers, well above the standard 4-4.5x most lenders offer.

So many buyers don't realise borrowing power has improved, and still assume deposit is the only barrier. In fact, 27% of prospective buyers still say deposit is their biggest hurdle, but this shows affordability is shifting too.

📋 Key facts:
• Up to 6.5x income for eligible first-time buyers
• Available up to 95% LTV
• Minimum income: £30,000 (sole) or £50,000 (joint)
• Only available via a mortgage broker through Coventry for Intermediaries — not direct
• New-build LTVs also increased: up to 95% on houses, 85% on flats (owner-occupied)

Would this make it easier for you? Let us know in the comments!

02/09/2026

IF YOU MISSED THIS!

A 98% first-time buyer mortgage was launched in February.

We dropped the breaking news then but incase you didn’t catch it - here’s what you need to know!

• Up to 98% LTV
• £10,000 minimum deposit
• First-time buyers only
• 5-year fixed rate
• Repayment mortgage
• Gifted deposits accepted

Not available on:

• Flats or new builds
• Northern Ireland
• Self-employed applicants
• Shared Ownership

Follow for more tips! 📍

01/09/2026

Mum guilt hits different when the school run starts again 😩

Have you spent enough time with them? Made the most of it all?! It can be so consuming when the routine is back and all your time together feels much more condensed again

Throw in all the back to school madness and extensive shopping lists and it's easy to worry about how they are really feeling. This week on M's the Word, me, Gemma, Shelley, Jade get REAL about mum guilt, back-to-school stress and the hacks that actually save our sanity.
We share tips like this one - pillow notes work so well in my house!

This episode will have you feeling supported, seen and give you great perspective. Because honestly does the mum/dad guilt ever actually go away once you're working? Maybe the reframe is that this shows you care, you are noticing it all.

What's one thing that always gives you parent guilt?

🎧 New episode of M's the Word is live, link in the comments below. 👇🏻

28/08/2026

Fixed rate ending? Don't panic!

Is your remortgage rate ending? Are you worried about coming off a 5 year fixed rate right now?

I was recently on ITV Tonight where I sat down with Christina to talk through her remortgage options.

She was anxious about rates increasing and what was best for her.

We talked through the pros and cons of a fixed and tracker rate, and ultimately Christina wanted security. She wanted peace of mind and to KNOW what her monthly payments were. She didn't like the idea of a tracker rate which can go up and down with the Bank of England base rate.

The best part of working with an adviser is being able to download ALL your thoughts and worries, and let us work out the solution FOR YOU and with you.
If you're feeling anxious about what is right for you at your next remortgage, book in a call with our advice team today.

You can lock in a new remortgage deal up to 6 months before your current deal ends, and if rates improve again while you're waiting to complete, your adviser can renegotiate a better rate for you.
It's all part of the service at The Mortgage Mum.

Follow for more tips

27/08/2026

🐴💨 Don’t let your money escape like Barney the pony!

When you’re saving for a mortgage, it’s easy to forget about those little £5.99 subscriptions you signed up for on a whim. Still using it? Keep it. Not sure? Cancel it!

Month on month, these sneaky little extras really add up, especially if you’ve got a few running unchecked. It could make a bigger difference to your savings than you’d think.

Check your bank statements, round up those forgotten subs, and watch your money stay exactly where it should be.
In your account, not running for the hills!

Follow for more mortgage tips and friendly reminders (and hopefully more Barney, if Laura manages to catch him first 😅)

26/08/2026

Good news for buyers: House prices just had their BIGGEST August drop since 2018.

Asking prices fell 2% to £364,999, that’s £7,360 off in a month.

What does this mean for you?

✨ MORE CHOICE - homes for sale are at their highest level for this time of year in 12 years, giving buyers the widest choice in over a decade.
✨ MORE NEGOTIATING POWER - sellers who price realistically are statistically proven to find a buyer faster and complete their move.
✨ A MIXED PICTURE ON RATES - the average 2-year fixed mortgage rate has risen to 5.09%, up from 4.92% last month, though Rightmove says there are signs of possible downward movement in the coming weeks.
✨ BUYER DEMAND IS PICKING UP - demand is still around 10% below last year, but has seen a 5% uptick since Andy Burnham became PM on 20 July, hinting at a busier autumn.

If you’ve been waiting for a sign to start looking, this might be it. Follow to get mortgage ready!

Source: Rightmove

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Southend-on-Sea
SS07EW

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+441702887426

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