On The Ladder Ep.2 | What Is a Decision in Principle? Everything First-Time Buyers Need to Know
Release Date: 12/22/2025
On The Ladder Ep.2 | What Is a Decision in Principle? Everything First-Time Buyers Need to Know
The Mortgage Mum Podcast
Before you scroll through Rightmove, fall in love with “the one,” or even book your first viewing… there’s one crucial step every first-time buyer needs - and hardly anyone explains it properly. In this episode of On The Ladder, we’re breaking down the Decision in Principle (also known as an Agreement in Principle, Mortgage in Principle, or simply a DIP). This simple document is your very first green light from a lender, proving they’re willing - in principle - to lend you money for your new home. We’ll walk you through: What a Decision in Principle actually is Why you...
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On the Ladder with Gen H - The 5% Deposit Mortgage Helping First-Time Buyers Buy Sooner | Gen H’s Part and Part Explained
The Mortgage Mum Podcast
Can’t get a mortgage approved - even though you're paying high rent? In this episode of On The Ladder, Sarah Tucker breaks down a new mortgage product from Gen H that could be a game-changer for first-time buyers struggling with affordability. It’s called a part and part mortgage, and it allows you to buy with just a 5% deposit — while keeping monthly payments lower by putting part of the mortgage on interest-only. 💡 In this episode, you’ll learn: What a part and part mortgage actually is (in simple terms) How it can make homeownership more affordable in today’s market ...
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On the ladder with Own New- Buy a Home with Just a 3% Deposit? Here’s How.
The Mortgage Mum Podcast
🎙️ Buy a Home with Just a 3% Deposit? Here’s How. It might sound too good to be true but with Own New’s Rate Reducer scheme, it’s absolutely possible. In this episode of On The Ladder, host Sarah Tucker - founder of The Mortgage Mum and trusted expert featured on This Morning, BBC, and The Times — shares a real-life success story of a first-time buyer who bought their dream home with just a 3% deposit and lower monthly payments. 💡 In this episode, you’ll learn: What the Rate Reducer scheme is and how it works How home builders contribute up to 5% to help with your...
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M's The Word E2 | Money Management & Mobile Phone Addiction
The Mortgage Mum Podcast
It’s time for Episode 2 of M’s The Word! We’re diving into two powerful topics that impact us all - especially around the festive season: 💴 Money Management in Relationships Did you know 1 in 5 couples argue about money every single week? In this episode, we break down how to manage your finances both individually and as a couple - with tips to reduce tension and build financial trust. 📱 Mobile Phone Addiction During the Holidays The average Brit checks their phone every 12 minutes - even more during Christmas. We talk about how to set boundaries with your screen time, be more...
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On The Ladder Ep. 1 | How to Save for a House Deposit UK
The Mortgage Mum Podcast
Saving for a house deposit can feel impossible, but it doesn’t have to be! In Episode 1 of On The Ladder, mortgage expert Sarah Tucker, founder of The Mortgage Mum, explains what a deposit really is, how much is actually needed in today’s market, and the low‑deposit and no‑deposit mortgage options that could bring first-time buyers like you closer to homeownership than they think. In this episode: What is a house deposit and how much do you actually need in the UK? Strategic ways to save (no skipping coffees required) Mortgage schemes for...
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M’s The Word E1 | Media Myths & the Mother Load at Christmas
The Mortgage Mum Podcast
Episode 1: Media Myths & the Mother Load at Christmas Welcome to the very first episode of M’s The Word!! The bold new talk show and podcast where we dive into money, motherhood, mindset, and every other “M” word that matters. In this episode, we’re unpacking media myths and the emotional overload of the holiday season - and yes, we’re talking about that controversial Diary of a CEO episode where financial experts claimed you shouldn't buy a house (!). We also get real about: Why advent calendars might need to be cancelled The cofusion of unrealistic and one sided...
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Building Wealth, Legacy & Leadership - with Jessica Crane, Founder of Sheo Collective
The Mortgage Mum Podcast
In this week’s episode of The Mortgage Mum Podcast hosted by Shelly Walker, Managing Director of The Mortgage Mum Specialist Finance - we’re joined by powerhouse business coach Jessica Crane, founder of the Sheo Collective, to talk all things wealth, legacy, and CEO-level mindset. Key Themes: How to use your business as a vehicle for generational wealth The reality of scaling from six to eight figures (and why systems matter) The mindset shifts required to stop “doing it all” and start leading as a CEO Building a property...
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S4 E18 Inside Gen H with Co-Founder Will Rice: Why Will Rice Built a Lender Instead of Buying a Home?
The Mortgage Mum Podcast
From First-Time Buyers to Founders: How Gen H Is Rewriting the Mortgage Rulebook Hello and welcome back to another episode of The Mortgage Mum podcast. What happens when two would-be first-time buyers look at Britain’s housing market and decide to fix it rather than squeeze into it? On this episode of The Mortgage Man Podcast, Sarah sits down with Will Rice, Co-Founder and (until recently) CEO of Gen H, to unpack the extraordinary story of channeling a first-home deposit into building a new kind of mortgage lender. Listen to this episode, out now on The Mortgage Mum Podcast - directly...
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S4 E17 -Combining Hip Hop and Finance with Sarah Tucker & Drew Boyer
The Mortgage Mum Podcast
Hello and welcome back to another episode of The Mortgage Mum podcast. Join Sarah Tucker CEO of The Mortgage Mum speak with Drew Boyer author of Hip Hop x Finance: Become a Financial Gangster! Get off Debt Row and Stack your Cash Flow . Combing Hip Hop and finance Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.
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S4 E16 First Time Remortgage With Sarah Tucker
The Mortgage Mum Podcast
A very warm welcome to today's episode of The Mortgage Mum podcast. This time, we’re talking about first time remortgages. We are talking to those of you who have bought a property, you're on the property ladder and you think your work is done. You know what you’re doing for the next 25, 30 years. But no. Then, talk of remortgage comes up and your fixed rate is coming to an end. You're probably feeling a bit overwhelmed and unsure what happens next. This episode is for you. We're going to make it short and sweet so it won't take up too much of your time, but it's going to help you feel...
info_outlineBefore you scroll through Rightmove, fall in love with “the one,” or even book your first viewing… there’s one crucial step every first-time buyer needs - and hardly anyone explains it properly.
In this episode of On The Ladder, we’re breaking down the Decision in Principle (also known as an Agreement in Principle, Mortgage in Principle, or simply a DIP). This simple document is your very first green light from a lender, proving they’re willing - in principle - to lend you money for your new home.
We’ll walk you through:
- What a Decision in Principle actually is
- Why you should get one before you start house-hunting
- How a mortgage adviser helps you find the lender that suits your situation
- The truth about credit checks (and why you shouldn’t apply for DIPs everywhere online)
- How long a DIP lasts — and what to do if it expires
- Why you should never reveal your full DIP amount to an estate agent
- Whether you can have more than one DIP
- How your DIP becomes a full mortgage application when you find "the one"
By the end of this episode, you’ll understand exactly why a DIP is the difference between hoping you can buy a home… and knowing you can.
If you’re a first-time buyer, self-employed, on maternity leave, or simply unsure where to start, this episode will give you the clarity and confidence you need to take the next step.
Watch the full episode on YouTube: How to Save for a House Deposit UK | On The Ladder Ep. 1
Follow on Instagram: @the_mortgage_mum