Lisa Orme - Money, Mortgages & Motivation

Today I wanted to talk about the base rate and your mortgage. 

Its Thursday 4th August 2022 and today’s increase in the base rate marks the 6th increase in a row.

Base rates have been so low for so long they likely haven’t really been on many peoples radar; lots of people with mortgages don’t even know what it is or how it affects them.

But with interest rates now at their highest level since December 2008 after the biggest single rise since 1995 of 0.5% taking the base rate from 1.25% to 1.75% they’re suddenly a hot topic so here’s my overview.

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Check out my videos or to listen to my podcast on You Tube:
https://www.youtube.com/c/MoneyMortgagesMotivation

You can also get me in bite size chunks on TikTok and ask me questions and I'll answer them live on video: www.tiktok.com/@lisaormeofficial

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Let's Talk about Mortgage Repayment Types - Show Notes

Today I'm talking about mortgage repayment methods, how they work, how interest works and what methods are available for different ownerships.

CheckMyFile: https://www.checkmyfile.com/checkout.htm

To sign up to my newsletter and to get your FREE 20+ page property buyers checklist go to: https://lisaorme.com

Check out my videos or to listen to my podcast on You Tube:
https://www.youtube.com/c/MoneyMortgagesMotivation

You can also get me in bite size chunks on TikTok and ask me questions and I'll answer them live on video: www.tiktok.com/@lisaormeofficial

For loads more tips, information and inspiration join me on:

Facebook: https://www.facebook.com/lisaormeproperty

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Instagram:- https://www.instagram.com/lisaormeofficial

Are you paying the right amount of Stamp Duty? - Show Notes

In this episode I'm talking through ten common property buying scenarios and the Stamp Duty that is liable in these scenarios. 

Stamp Duty Calculator: https://www.stampdutycalculator.org.uk/

Sort Refer: https://sortrefer.co.uk/

To sign up to my newsletter and to get your FREE 20+ page property buyers checklist go to: https://lisaorme.com

Check out my videos or to listen to my podcast on You Tube:
https://www.youtube.com/c/MoneyMortgagesMotivation

You can also get me in bite size chunks on TikTok and ask me questions and I'll answer them live on video: www.tiktok.com/@lisaormeofficial

For loads more tips, information and inspiration join me on:

Facebook: https://www.facebook.com/lisaormeproperty

and

Instagram:- https://www.instagram.com/lisaormeofficial

The Six Main UK Mortgage Types Explained - Show Notes

Listen in to find out which are the six main mortgage types in the UK, how they work, where you may come across them and some advantages and disadvantages.

To sign up to my newsletter and to get your FREE 20+ page property buyers checklist go to: https://lisaorme.com

Check out my videos or to listen to my podcast on You Tube:
https://www.youtube.com/c/MoneyMortgagesMotivation

You can also get me in bite size chunks on TikTok and ask me questions and I'll answer them live on video: www.tiktok.com/@lisaormeofficial

For loads more tips, information and inspiration join me on:

Facebook: https://www.facebook.com/lisaormeproperty

and

Instagram:- https://www.instagram.com/lisaormeofficial

How To Get Rid of a CCJ - Show Notes

In this episode I'm sharing one of my top tips; how to get rid of a CCJ. Listen now to find out how...

CheckMyFile: https://www.checkmyfile.com/checkout.htm

Trust Online: https://www.trustonline.org.uk/

Government Website - CCJ  Information: https://www.gov.uk/county-court-judgments-ccj-for-debt

To sign up to my newsletter and to get your FREE 20+ page property buyers checklist go to: https://lisaorme.com

Check out my videos or to listen to my podcast on You Tube:
https://www.youtube.com/c/MoneyMortgagesMotivation

You can also get me in bite size chunks on TikTok and ask me questions and I'll answer them live on video: www.tiktok.com/@lisaormeofficial

For loads more tips, information and inspiration join me on:

Facebook: https://www.facebook.com/lisaormeproperty

and

Instagram:- https://www.instagram.com/lisaormeofficial

The Biggest Mistake HMO Investors Make - Show Notes

Today I'm talking about the biggest mistake HMO investors make, confusing Planning and Licencing. Listen in to learn the the difference between the two, why they are so important and how not following the Planning or Licencing could leave you in big trouble. 

To sign up to my newsletter and to get your FREE 20+ page property buyers checklist go to: https://lisaorme.com

Check out my videos or to listen to my podcast on You Tube:
https://www.youtube.com/c/MoneyMortgagesMotivation

You can also get me in bite size chunks on TikTok and ask me questions and I'll answer them live on video: www.tiktok.com/@lisaormeofficial

For loads more tips, information and inspiration join me on:

Facebook: https://www.facebook.com/lisaormeproperty

and

Instagram:- https://www.instagram.com/lisaormeofficial

The Essential Guide to Searches - Show Notes

This episode is all about property searches that your conveyancer will apply for during your property purchase legals; including what they are, types of searches and what they are for.

Local Authority Searches Timescales: https://www.searchflow.co.uk/news-and-events/personal-searches-turnaround-times/

To sign up to my newsletter and to get your FREE 20+ page property buyers checklist go to: https://lisaorme.com

Check out my videos or to listen to my podcast on You Tube:
https://www.youtube.com/c/MoneyMortgagesMotivation

You can also get me in bite size chunks on TikTok and ask me questions and I'll answer them live on video: www.tiktok.com/@lisaormeofficial

For loads more tips, information and inspiration join me on:

Facebook: https://www.facebook.com/lisaormeproperty

and

Instagram:- https://www.instagram.com/lisaormeofficial

Forget Everything You Know About Credit Scores - Show Notes

Today I'm discussing credit score and why the score or rating doesn't matter, listen in to find out why.

CheckMyFile: https://www.checkmyfile.com/checkout.htm

To sign up to my newsletter and to get your FREE 20+ page property buyers checklist go to: https://lisaorme.com

Check out my videos or to listen to my podcast on You Tube:
https://www.youtube.com/c/MoneyMortgagesMotivation

You can also get me in bite size chunks on TikTok and ask me questions and I'll answer them live on video: www.tiktok.com/@lisaormeofficial

For loads more tips, information and inspiration join me on:

Facebook: https://www.facebook.com/lisaormeproperty

and

Instagram:- https://www.instagram.com/lisaormeofficial

Common Misconceptions about Your Landlord - Show Notes

In this episode I'm discussing some of the common misconceptions about landlords and sharing our side of the story.

Landlord Survey: https://www.gov.uk/government/consultations/review-of-property-income-survey-and-call-for-evidence 

To sign up to my newsletter and to get your FREE 20+ page property buyers checklist go to: https://lisaorme.com

Check out my videos or to listen to my podcast on You Tube:
https://www.youtube.com/c/MoneyMortgagesMotivation

You can also get me in bite size chunks on TikTok and ask me questions and I'll answer them live on video: www.tiktok.com/@lisaormeofficial

For loads more tips, information and inspiration join me on:

Facebook: https://www.facebook.com/lisaormeproperty

and

Instagram:- https://www.instagram.com/lisaormeofficial

How Selling a House Landed us in Court – Show Notes
 
Today I’m talking about one of my own properties and how the sale landed us in court.

To sign up to my newsletter and to get your FREE 20+ page property buyers checklist go to: https://lisaorme.com

Check out my videos or to listen to my podcast on You Tube:
https://www.youtube.com/c/MoneyMortgagesMotivation

You can also get me in bite size chunks on TikTok and ask me questions and I'll answer them live on video: www.tiktok.com/@lisaormeofficial

For loads more tips, information and inspiration join me on:

Facebook: https://www.facebook.com/lisaormeproperty

and

Instagram:- https://www.instagram.com/lisaormeofficial