Welcome to the Mortgage Moves podcast. This is a show that's all about the mortgage game. We want to help educate yourself about the real estate process, but also provide you with a platform to learn from industry experts. So, tune in, like us on social media, subscribe to our channel, and share with your friends! We love your feedback – hit us up on LinkedIn, Instagram or YouTube! We want to help you make smart decisions about your real estate investments.
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Welcome to the START UP. START NOW. podcast with your host Sharena Shiv. START UP. START NOW. publishes a new episode EVERY WEEK, showcasing the journeys of inspirational entrepreneurs, side hustlers and their mentors. We discuss their successes, challenges and how they overcame setbacks. Focusing mainly on what they wish they had known when starting out. The podcast aims to give aspiring entrepreneurs the confidence to START UP. and START NOW. by showcasing real and relatable entrepreneurs. ...
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#67: Pip Organic: From Market Stall to Market Leader with Karen & Patrick O'Flaherty (co-founders)
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Send us a text Karen and Patrick O'Flaherty are the dynamic husband and wife duo at the helm of Pip Organic, a brand dedicated to crafting 100% organic food and drink for the whole family to enjoy. Karen and Patrick’s business journey began when they opened their own organic juice stall in London’s Borough Market. Their passion and drive has since …
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#66: Navigating London's Real Estate Landscape: Insights from Alex Gibbs (co-founder of Built Asset Management)
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Send us a text Alex Gibbs is co-founder and director of BAM (Built Asset Management), London’s leading co-living operator. BAM has housed over 6,500 young professionals in London and provides over 1,500 units of accommodation across the capital and beyond. In under eight years, Alex and his business partner bootstrapped BAM from a zero- to eight-fi…
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#65: GoHenry: Empowering Kids & Teens with Money Education with Louise Hill (co-founder & CEO)
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Send us a text Louise Hill is co-founder and CEO of GoHenry - the prepaid debit card and financial education app designed to teach kids and teens how to be smart with money. Responsible for the UK operations of GoHenry, Louise has built the business from the ground up and played an integral role in its international growth, firstly with GoHenry’s a…
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#64: Building Gourmet Burger Kitchen (GBK) & Crosstown Doughnuts with Adam Wills (co-founder)
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Send us a text Adam Wills, a seasoned entrepreneur and visionary in the culinary world, boasts a track record of creating and launching successful food concepts both domestically and internationally. With a knack for innovation, he has spearheaded ventures like Gourmet Burger Kitchen (GBK), Crosstown Doughnuts, and Slerp, securing funding from both…
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#63: Joseph Joseph: Twin Brothers & Designer-Makers with a Passion for Invention with Richard Joseph (co-founder)
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Send us a text It all started with a chopping board. In 2003 twin brothers and designer-makers, Antony & Richard Joseph designed their first product – a clever chopping board – and that was the beginning of Joseph Joseph. With a passion for invention and an emphasis on functionality and quality, they set out to revolutionise everyday tasks in the h…
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We're back! Michael Farmer and Samantha Lindley hosts of Mortgage Moves Podcast. Tri Cities WA top rated podcast for home shoppers! In this episode we dive into why we LOVE FHA loans. Why do we love them: In 2024, FHA home loans remain a beloved choice for home shoppers, we can attest to their enduring popularity. These government-backed loans offe…
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#62: Chai Guys: How to Start a Business with a Friend. Abhilash Jobanputra and Gabriel Unge's (co-founders) story
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Send us a text Chai Guys is the brainchild of Abhilash Jobanputra and Gabriel Unger, two entrepreneurs driven by their love for authentic Indian chai. Their journey began in September 2018 with a transformative trip to India, where they immersed themselves in the vibrant world of chai culture. Returning to London with a suitcase filled with tea and…
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#61: Humble Crumble: How the World's First Crumble Bakery is now a Multi-million Pound Business with Kim Innes (founder)
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Send us a text Humble Crumble - A food stall that started from humble beginnings, today is the world’s first crumble bakery and a multi-million pound business with permanent fixtures in Old Spitalfields and Borough Market. With more than 500,000 crumbles served in the last three years, Humble Crumble has struck a chord with passionate crumble-lovin…
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#60: BOXRAW: Coventry-based Founder Merges his Passion for Boxing with his Business Acumen with Ben Amanna (founder)
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Send us a text Ben is the visionary Founder and CEO of BOXRAW - a boxing lifestyle & sportswear brand driving cultural and social change. BOXRAW was manifested from the powerful themes of Boxing and Business interwoven throughout Ben’s life which elevated him out of the socioeconomic and racial hardships he experienced growing up. BOXRAW has dresse…
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#59: Soapsmith: Pawning Her Wedding Rings to Launch a Handcrafted Soap Brand with Samantha Jameson (Founder)
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Send us a text Sam Jameson is one of many UK-based, Black and female founders that are transforming the beauty and wellness space, one product at a time. A born creator and leader, Soapsmith isn’t Samantha Jameson’s first endeavour into the world of Entrepreneurship. At the age of just 24, Sam launched and ran a successful event chocolate fountain …
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#58: Ella's Kitchen Founder: On Why Thinking Like A Toddler Holds The Key To Success with Paul Lindley OBE
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Send us a text Paul Lindley is an award-winning British entrepreneur and social campaigner. Paul began his career as a Chartered Accountant at KPMG, then spent 9 years at Nickelodeon's children’s TV network, rising to become Deputy Managing Director. In 2006, he founded Ella’s Kitchen, the UK’s biggest baby food brand. Ella’s Kitchen believes in pu…
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#57: Kiki McDonough Jewellery: Royal Clients & Opening her Flagship Store in Chelsea (Founder)
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Send us a text Established in 1985, Kiki McDonough Ltd was born from Kiki’s passion for showcasing coloured gemstones in innovative, contemporary designs. She continues to lead the way in British fine jewellery design. The brand’s very first creation, a pair of distinctive crystal heart earrings, were put on display in the Victoria and Albert Museu…
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#56: Olly's Snacks: From Market Stall to Fastest Growing Pretzel Brand in the UK with Olly Hiscocks (founder)
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Send us a text Olly Hiscocks is a snack fanatic and founder of Olly's, one of the most exciting brands in the healthier delicious snack space with their range of innovative Pretzel Thins, Chocolate Pretzel Thins and Olive snack pouches. Having landed a degree in neuroscience, he then embarked on his entrepreneurial journey in the wonderful world of…
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#55: Confidence & Communication is a Skill with Margaret & Scarlett McCabe (co-founders of Debate Mate)
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Send us a text The Debate Mate Group is a social business with 2 distinct but complementary parts – the charity Debate Mate Schools, and the business Debate Mate Limited. At its core, Debate Mate – across the entities - teaches confidence, communication and leadership from the classroom to the boardroom. Margaret founded Debate Mate (Schools) as a …
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#54: Alan Barratt: The Grenade Story: From Start Up to £200 Million (co-founder and CEO)
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Send us a text Al is a serial entrepreneur and Co-Founder/CEO of Grenade, one of the most successful UK FMCG brands of the last 25 years. Starting with a £500 loan from the UKTI Passport to Export program in 2010, he sold shares in Grenade in 2014 for £35M, again in 2017 for £72M, and in 2021 for £200M, to Mondelez International. Current trading as…
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EP 11 - Creating Success in The Mortgage Industry in 2023
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In the captivating installment of the Mortgage Moves podcast, April Olsen takes center stage to delve into her rich background in the realms of real estate and lending. With remarkable finesse, she manages to strike a harmonious equilibrium between her family, professional commitments, and dedicated community service. As the episode unfolds, April …
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EP 10 - Balancing Success as a Successful Loan Officer at American Pacific Mortgage Hermiston, OR
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In this episode, we dive deep with Scott, a multifaceted man who effortlessly juggles the roles of a coach, teacher, successful loan officer, devoted husband, and loving father in Umatilla, OR. Despite wearing so many hats, he exemplifies balance and excellence in every area. We'll explore his unique approach to success, the strategies he uses to c…
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Ep 9 - Success in Real Estate and Mortgage: Mastering Expectations and Cultivating a Healthy Mindset
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In this episode, we delve into the world of real estate and mortgage in the Tri Cities, WA and Hermiston, OR areas, uncovering the keys to achieving success with Tyler Smith. We explore the crucial role of managing expectations and how it can positively impact your career in the ever-changing real estate market. Discover effective strategies to dev…
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We dive deep into the process of securing new construction home loans in the states of Washington, Oregon, California, Idaho, and Arizona through American Pacific Mortgage. Starting off, we introduce ourselves and the regions we cater to, setting the stage for a detailed discourse on new construction home loans. We demystify the process, explaining…
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Ep 7 - Sierra Webb Talks About the Shifting Market, Trends and Seller Concessions Part 3
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The real estate market in the Eastern Washington and Oregon has undergone significant shifts in recent years, resulting in changes in seller concessions and market trends. Previously, sellers held a dominant position and had the upper hand in negotiations. However, the market has become more balanced, giving buyers increased bargaining power. As a …
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Ep 7 - Sierra Webb Talks About What it Takes to Be a High-Level Producer Part 2
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Sierra Webb, a successful real estate professional, has emphasized the importance of family in her career. According to her, having a supportive family has been instrumental in helping her achieve her goals and overcome challenges in the industry. One of the keyways in which Sierra's family has supported her is by providing her with a strong founda…
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Ep 7 - Sierra Webb Talks About What it Takes to Be a High-Level Producer Part 1
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Sierra Webb is a top producing agent in the Eastern Oregon real estate market. She gives us insider tips and tricks on navigating the ever-changing world of property buying, selling, and financing. Whether you're a first-time homebuyer or a seasoned investor, our expert guests and hosts will help you stay ahead of the curve with the latest real est…
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#53: Turning Uncertainty into Competitive Advantage with John Stapleton (co-founder of New Covent Garden Soup / Little Dish)
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Send us a text In 1987 John co-founded The New Covent Garden Soup Co Ltd which pioneered and grew the fresh soup category in the UK. Daniels PLC bought New Covent Garden Soup Co in 1998. John then co-founded Glencoe Foods Inc., to bring the fresh soup concept to the US. In 2005, John co-founded Little Dish, which supplies healthy, natural and conve…
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#52: Green & Black’s: The World's First Organic Chocolate Brand with Jo Fairley (co-founder & serial entrepreneur)
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Send us a text Jo Fairley is a businesswoman and writer. She co-founded the Green & Black’s chocolate company with Craig Sams, her husband, and has launched several other successful ventures since then. Jo did not enjoy school, left at 16 with six O-levels and learned shorthand and typing at a secretarial college. She got a job with a magazine publ…
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Ep 6 - What Happens During the Home Inspection and Appraisal Process?
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Sam sits down with Tyler Smith discussing home inspections and appraisals. This episode is a must-watch if you are curious about the process. However, you’ll regret not sharing this with prospective clients if you are a loan officer or a realtor. Sam and Tyler take a deep dive into the Pacific Northwest real estate market. If you want to get pre-ap…
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Ep 5 - Hard work and Motivation equal success as we take a deep dive w/ Lacey Blackman of Blackman and Associates.
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Always surround yourself with like-minded individuals who can uplift and support your goals. This is the best plan to have in place, which will equate to success. Lacey Blackmans rise to the top of the real estate market was not an accident. She is dedicated and motivated to the process. Her relationship with American Pacific Mortgage Tri-Cities is…
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#51: How "Wild" Natural Deodorant took over the UK Market in One Year with Charlie Bowes-Lyon (co-founder of We Are Wild)
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Send us a text Wild is the UK’s first refillable plastic-free deodorant. Charlie Bowes-Lyon is a serial entrepreneur with a background in marketing, particularly focused on sustainable businesses. He co-founded Wild and runs their tech and marketing departments since launch. Wild sells sustainable, natural personal care products that are stylish, c…
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Ep 4 - Running the Reps with Tyler Smith Hermiston, Oregon Realtor
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Today's real estate market can be challenging. Regardless of where you live, having the right #team on your side can benefit you tremendously. My team and I have had numerous successful transactions with Tyler and his team. We look forward to several more this year! Reach out to Tyler if you are looking for your next home! As always if you are look…
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#50: Coffee Republic founder, Sahar Hashemi wants you to "Buy Women Built" (co-founder and author)
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Send us a text A former lawyer, she started two ground-breaking businesses: the UK’s first coffee bar chain, Coffee Republic, which she grew to 110 stores and a £50 million market cap, and Skinny Candy, a market segment-defining brand of sugar-free sweets. Her first book, ANYONE CAN DO IT became a bestseller by demystifying the idea that entreprene…
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#49: JUST EAT: Building An Online Takeaway Business From Startup To IPO with David Buttress (Co-founder & ex-CEO)
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Send us a text David Buttress, who hails from Cwmbran in South Wales, joined JUST EAT in March 2006 to launch its UK business, and was appointed CEO in January 2013. David led JUST EAT in the UK from startup to becoming Europe’s largest technology IPO in a decade. JUST EAT has over 67,000 restaurant partners and 100+ cuisine types available to over…
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#48: Jenny Campbell: Dragons' Den Investor and the original Queen of Cash (founder)
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Send us a text Best known for her time on Dragons' Den, Jenny Campbell is also widely known for her role as the founder of YourCash Europe. Having acquired her banking qualifications by attending night school, Jenny soon embarked on a rewarding career with The Royal Bank of Scotland. She was initially appointed as the Head of Operations for Hanco A…
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#47: Your Juno app: Closing The Financial Literacy Gap with Margot de Broglie (co-founder)
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Send us a text Your Juno was founded by two sisters: Margot and Alexia. Margot de Broglie is the co-founder of Your Juno, building a financial education platform - think “the Duolingo of money”. Users can learn about any financial topics via its app, including negotiating a raise, buying a property, and becoming an investor. "Money was never a tabo…
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Ep 3 - What Does it Take to Be a Top Producing Agent in 2023? Lacey Blackman
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Samantha Lindely has a candid interview with one of the top producers in the PNW. Lacey Blackman is licensed in Washington, Oregon and Idaho. If you are in the market for a new home in the greater Northwest reach out to Lacey. She is the team lead from Blackman and Associates.저자 Michael Farmer & Samantha Lindley
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#46: UNILAD & LADBible founder talks legal battles, mental health & alcoholism with Alex Partridge
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Send us a text Alex Partridge is one of the pioneers of social media content the way we know it today. At age 21 in 2010, whilst a student at Oxford Brookes University, he founded UNILAD, one of the most popular social news and entertainment Internet companies in the world with an astonishing following of 50 million people around the globe. In 2012…
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Ep 2 - How Does Your Credit Score Affect Your Mortgage - Credit Tips for 2023
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When applying for a home loan, your credit score plays a huge part in the process. A substandard credit score can increase your interest rate as well as increase the amount of PMI you pay monthly. Rest assured Michael Farmer and Samantha Lindley have your back. These mortgage rockstars from American Pacific Mortgage can help assist you in improving…
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#45: Rosie Fortescue Jewellery: TV star and fashion blogger turned jewellery designer with Rosie Fortescue (founder)
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Send us a text Rosie Fortescue - the jewellery designer and famous alumnus of the original Made in Chelsea. With her trend setting, enviable fashion sense, Rosie Fortescue has always been a go-to for style advice and inspiration. Rosie began running her successful blog, At Fashion Forte in 2014 and has been collaborating with desirable fashion, lif…
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Ep 1 - First Time Home Buying Experiences with Michael and Sam
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Casual and lighthearted episode with Michael and Sam. Getting to know us as we take a deep dive into our first home purchase successes and failures. 2022 Tri City Herald "Tri-Cities Best Winner - Home Mortgage Catagory New episodes uploaded weekly across all platforms including YouTube for full videos. Give us a listen, follow, like and subscribe o…
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#44: what3words: The startup that helps you find any place on the planet without an address with Chris Sheldrick (co-founder)
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Send us a text This week's guest is Chris Sheldrick, co-founder & CEO of what3words. what3words is a global address system that has assigned three-word labels to all of the 57 trillion 3-meter squares that make up the surface of the earth. With a background in the music industry, Chris noticed that traditional addresses for venues and precise stage…
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#43: How Biscuiteers baked a multi-million-pound high-end biscuit empire with Harriet Hastings (Founder)
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Send us a text Harriet Hastings launched Biscuiteers in 2007 after identifying a gap in the market for luxury food gifting. Over the past 15 years she has grown the business from a small startup to a unique artisan business working at scale and employing over 150 people. Biscuiteers’ beautiful hand-iced biscuits are sold directly online as post-abl…
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#42: Design My Night: How to structure a pitch deck that gets the attention of investors with Nick Telson (Co-founder)
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Send us a text Nick Telson is an exited founder from DesignMyNight in 2017 for $30-$40m and has since invested in over 55 startups across US, UK, Latam and Africa, through his investment arm, Horseplay Ventures. Nick’s career started off in marketing at L’Oreal before starting DesignMyNight in 2010. DesignMyNight grew to 100+ employees, 15,000 SaaS…
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#41: Charles Tyrwhitt: Shirt marker and tailor with Nick Wheeler (Founder & Chairman)
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Send us a text Nick Wheeler first had the idea for Charles Tyrwhitt shirts - to make the best shirts, using only the finest materials, at great value, with unbeatable service - whilst studying Geography at Bristol University in 1986; He used his middle names - Charles Tyrwhitt – more anonymous (and better sounding!) than “Nick Wheeler shirts” The f…
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#40: Meatless Farm: UK’s fastest growing plant-based meat alternative company with Morten Toft Bech (Founder)
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Send us a text Morten Toft Bech is an entrepreneur and investor who started Meatless Farm in 2016 to help reduce the world’s dependency on intensively farmed meat. He and his family had struggled to find a meat replacement that the whole family enjoyed and that wasn’t too expensive. In 2018, the company launched its original fresh mince in UK retai…
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#39: Driving progress for women in motorsport with Catherine Bond Muir (Founder of W Series Racing)
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Send us a text W Series is a free-to-enter championship that provides equal opportunities for women and eliminates the financial barriers that have historically prevented them from progressing to the upper echelons of motorsport. By placing all participants in identical cars, the series ensures that talent takes precedence. Since its inaugural seas…
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#38: Crowdcube: Pioneers of Equity Crowdfunding with Darren Westlake (CEO & Co-founder of Crowdcube)
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Send us a text Named by Debrett’s as one of Britain’s 500 most influential people, Darren Westlake is co-founder and CEO of Crowdcube, the pioneer and leader of the equity crowdfunding industry. Inspired by his own experiences as an entrepreneur raising finance, Darren’s idea for Crowdcube was driven by the ambition to democratise investment and di…
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#37: Creating a Luxury British Accessories & Personalised Gifting Brand with Elizabeth Scarlett Petrides (Founder of Elizabeth Scarlett)
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Send us a text Elizabeth Scarlett Petrides is an entrepreneur, conservationist and artist. One of the UK’s fastest-growing luxury accessories, homeware and personalised gifting brands. The brand has sold directly to over 120,000 customers in the UK alone and is stocked in Anthropologie, John Lewis, Fortnum & Mason, as well as other leading luxury b…
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#36: Running the Family Business: Asian Wedding Dressmakers with Ankit Monga (Director of Monga's of Southall)
46:47
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Send us a text Monga’s has held an imperial legacy of fine craftsmanship in Haute and Pret Couture since 1996. India-born founders, Mr Arun Monga & Mrs Reena Monga started their humble journey. The company began by exporting fashion to other designer boutiques in the UK in 1996, but customer popularity led the business to open its first boutique in…
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#35: Little Moons, mochi ice cream: Going viral on TikTok with Vivien Wong (Co-Founder)
47:08
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Send us a text Vivien Wong is the co-founder of Little Moons, a mochi ice cream brand. Vivien grew up in North West London and spent many of her formative years helping out at her parent’s bakery. It was there that her passion for high quality ingredients and artisanal recipes was first sparked. She went on to study at the University of Reading bef…
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#34: How To Turn Your University Dissertation Into A Business with Dhruvin Patel (founder of Ocushield)
58:29
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58:29
Send us a text Dhruvin Patel is an optometrist and entrepreneur encouraging a healthier relationship with technology in the digital age. Since receiving a development grant from City University in London, he has built Ocushield into an internationally distributed, MHRA medically rated product and established himself as a leading authority on blue l…
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#33: Motherhood, relationships and bootstrapping with Steph Douglas (Founder of Don't Buy Her Flowers)
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Send us a text Founded in 2014, Steph left her brand marketing role, to pursue an idea she had following the birth of her children. After receiving eight bunches of flowers when she had her first baby, Steph realised the well-meaning bouquet soon lost its shine when you were the one filling vases, all while juggling a new-born and feeling overwhelm…
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#32: Hotel Chocolat: British Luxury Chocolatier with Peter Harris (Co-Founder)
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Send us a text Hotel Chocolat is a British Chocolatier and Cocoa Grower and has grown into one of the UK’s most advocated brands. Based on originality, authenticity and ethics the company operates online for delivered chocolates and from over 120 UK shops and employs over 1800 people. Turnover is now over £160m. It grows some of its own cocoa on it…
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