buy-to-let mortgages

Welcome back to another episode of Ask Rob & Rob! 

• (0:45) Luke’s gearing up to buy his first home, which he intends to live in while subletting the extra rooms for rental income. He's keen on investing in East Anglia and turns to Rob & Rob for their advice on the best places to explore, along with key fundamentals to look for in the area. 
• (4:22) Jo’s attractive mortgage rates on her buy-to-let properties are ending soon, and her broker suggest remortgaging with the current lender due to low rental income. She plans to increase her rents, and wonders whether to invest more money into the properties to potentially get a better mortgage or follow her broker's advice. 

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On today's podcast:
(1) The EU's Ursula von der Leyen tells Bloomberg China's massive EV subsidies need to be investigated.

(2) Rishi Sunak considers pushing back the 2030 ban on new petrol and diesel cars.

(3) The CBI calls off its AGM at the last minute, amid 'cash-flow challenges'.

(4) Giant' oil find off Namibia's shores could be a game changer, but officials worry. 

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Another Tuesday, another set of listener questions for Rob & Rob to give their expert answer to!

First up this week, we’ve got Adam. He’s recently inherited a property in North London worth more than £600,000 and with no mortgage to pay off.

Naturally he’s overwhelmed with options for what to do with this property.

Should he sell? Get equity from it? Split it into different rooms to make a HMO?

The Robs share their thoughts.

The next question is one we’ve seen crop up a few times.

Our caller is a non-British citizen who’s in a position to build a Buy-To-Let portfolio.

But he wants Rob & Rob to explain the obstacles which can (and do) arise in for foreign nationals who want to invest.

Press play to hear Rob & Rob’s advice.

Do you have a buy-to-let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply).

Or if you prefer, click here to leave a recording via your computer instead.

The next question on Ask Rob & Rob could be yours.

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So, get yourself over and introduce yourself.

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It's Tuesday so Rob & Rob are back answering more of your questions. 

The first question is from John, who’s noticed more talk about Quantitative Tightening – which as the name suggests is the opposite of Quantitative Easing. 

He wants to know – if QE leads to higher house prices, is it natural to assume that QT will have the opposite effect on property? 

Then we have a question from Tom in York. 

Thanks to inheritance and savings, he was able to buy his first BTL outright. 

Obviously that’s not a bad thing – but it has left all his savings tied up in that first property. He wants to know what Rob & Rob would suggest when it comes to saving up for his second BTL property. 

Tune in to find out what The Robs think. 

Do you have a buy-to-let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply).  

Or if you prefer, click here to leave a recording via your computer instead. 

The next question on Ask Rob & Rob could be yours.  

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So, get yourself over and introduce yourself. 

And if you’d like to find out more information about Portfolio you can do that here. 

See omnystudio.com/listener for privacy information.

It’s your update on the current mortgage market

The thing on every investor’s mind is... mortgages. 

Which rates are good rates? How long should you lock a mortgage in for? What should we be searching for in a mortgage advisor? 

The Robs know there’s a bit of a mortgage meltdown happening, and that’s why they’ve brought on a mortgage expert for this week’s episode. 

They ask all the questions you want answers to (and ones you’ve not thought to ask) in this episode. 

Hub Extra

This is an app that Rob & Rob both use and are big fans of. 

And they didn’t even recommend it to each other! 

Todoist is an organisational app, and it’s very one-track-minded, which Rob D says he enjoys. 

To find out how Rob & Rob utilise the app, hit play on this episode. 

Let’s get social 

We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do. 

Make sure you’ve liked and subscribed to our YouTube channel where we upload new content every week! 

If that wasn’t enough, you can also join our friendly property community on the Property Hub forum. 

And if you’d like to find out more information about Portfolio you can do that here. 

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Rob & Rob are back for another round of listener questions! 

Kicking it off this week is Laura from Essex. 

Laura bought her first property (a two-bed flat) six years ago and is now looking to buy her second property. 

She’s recently had an offer accepted on a four-bed detached house and can afford to purchase it without using any equity from her flat. 

But Laura’s unsure if she should sell the flat and use the equity to put down a bigger deposit and lower her mortgage repayments on the new house. 

What do Rob & Rob think?  

Should she keep the flat and rent it out or sell up and put a bigger deposit down? 

Next up, we’ve got a mortgage question from Andrew. 

Andrew has recently received an inheritance and is looking to buy a terraced house outright in Leeds and then let it out. 

He’s then hoping to refinance this property and use the equity to expand his portfolio and purchase a couple more buy-to-let properties. 

Andrew wants to know if his mortgage can be interest only, and if not, why? 

Tune in to find out what the guys have got to say. 

And if you’re looking for the latest episode of The Property Podcast with a mortgage expert you can find it here or if it’s the Buy-to-let mortgages explained video you’re after, that’s right here. 

Do you have a buy-to-let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply).  

Or if you prefer, click here to leave a recording via your computer instead. 

The next question on Ask Rob & Rob could be yours.  

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So, get yourself over and introduce yourself.

See omnystudio.com/listener for privacy information.

It’s that time of the week where Rob & Rob answer listener questions. 

And this week, we’re breaking all the rules as we’re answering two questions from one listener. 

Recently on The Property Podcast, Rob & Rob delved into why Dave Ramsey is WRONG and this got one listener thinking. 

If you have a low loan-to-value, where the risk should be lower for the lender, why aren’t you offered a more generous interest rate? 

Why don’t LTD lenders reward investors with a prudent approach? 

He would also like to hear Rob & Rob’s predictions on what will happen to interest rates on mortgage products. 

Tune in to find out what the guys have got to say. 

Do you have a buy-to-let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply).  

Or if you prefer, click here to leave a recording via your computer instead. 

The next question on Ask Rob & Rob could be yours.  

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So, get yourself over and introduce yourself. 

See omnystudio.com/listener for privacy information.

It’s time for another round of listener questions for Rob & Rob, and this week they’re answering some commonly asked ones. 

First up is Reese from Plymouth.  

Reese is currently living at home with her parents, but she’s ready to make her first buy-to-let investment. 

She wants to know whether it’s sensible for her to invest while living at home, or if she should wait until she’s in a house of her own before getting started with investing. 

Next, The Robs hear from Bailey in London. 

Bailey’s finally in a position where he’s ready to purchase his first buy-to-let property, but he’s getting conflicting opinions from his parents. 

They feel strongly that he should be putting his money into a pension instead of property... Bailey wants to know whether Rob & Rob think one strategy is smarter than the other. 

Tune in to find out. 

Do you have a buy-to-let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply).  

Or if you prefer, click here to leave a recording via your computer instead. 

The next question on Ask Rob & Rob could be yours.  

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So, get yourself over and introduce yourself. 

See omnystudio.com/listener for privacy information.

This week on Ask Rob & Rob we’re talking about buy-to-let mortgages with no income and whether Cardiff is a good investment hotspot. 

So, our first question this week is from Michelle. 

Michelle and her partner now have the money to invest in property and they think that now or January 2021 is the perfect time to purchase their first buy-to-let property.

They’re not currently married and at the moment Michelle is a stay at home mum, but she does have a professional background. 

She doesn’t have a mortgage in her name, so therefore thinks it makes sense to put the investment property in her name to avoid stamp duty costs. Her partner is also a 40% tax payer so it also makes sense for the rental income to come through Michelle. 

But what Michelle now wants to know is, how can she get a mortgage without an income? Is it even possible?

The second question this week has come in from Alex. He currently lives and invests in Cardiff as he believes it has all the fundamentals. 

Alex has noticed that Rob & Rob have never touched on Cardiff, or any city in Wales for that matter, on any of the podcasts. 

So he’s now wondering if that’s because The Robs don’t see Wales as a good investment location, or just because there are better opportunities in other cities. 

Do Rob & Rob just not like Wales? Or is there a reason they’ve never chosen a Welsh city as one of their property hotspots?

Tune in to find out.

 

Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply). 

 

Or if you prefer, click here to leave a recording via your computer instead.

The next question on Ask Rob & Rob could be yours. 

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself.

See omnystudio.com/listener for privacy information.

Rob & Rob are back once again for another epic episode of Ask Rob & Rob. This week they’re trying to help two callers with mortgage advice and are giving their thoughts on wherever they think no money down deals are a good idea.

Our first caller this week is Adamish and his question is on to buy-to-let mortgages. 

He’s spoken to a mortgage advisor and they’ve advised him to refinance his current property on a fixed five year buy-to-let mortgage as the checks are a little more relaxed. 

So essentially he’s wanting to know what Rob & Rob would do if they were in his shoes as a first time investor. 

Does the current property market have any effect on how long he should get a fixed buy-to-let mortgage for? Or should he even be going for a fixed buy-to-let mortgage? 

The second question this week is from Ashley who’s calling from Wales and he’s been drawn in by the idea of no money down deals. Uh oh! 

Ashley has done two previous flips so now has a bit of equity behind him. He’s looking at turning his strategy to vanilla buy-to-let properties but he’s wondering how to go about it. 

Should he straight away set up a Limited Company and keep buying a single buy-to-let each year over the next 10 years and build his portfolio up that way? Or should he hold onto his money and explore the world of no money down deals? 

We’ve heard The Robs views on this in the past, but what advice would they give? 

Tune in to find out...

Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply). 

 

Or if you prefer, click here to leave a recording via your computer instead.

The next question on Ask Rob & Rob could be yours. 

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself.

See omnystudio.com/listener for privacy information.

This week on Ask Rob & Rob, we’ve got Dave Cookson joining the guys again to answer even more mortgage related questions.

Maybe we should have dedicated this month’s ‘ask’ questions to Dave. But nevertheless we’ve got another two cracking mortgage related questions that you may never have thought to ask before.

So let's get started...

The first question comes in from Stuart who has more than one buy to let property in his personal name.

He’s wanting to know if there is a mortgage product where you can combine all of your BTL mortgages into one and effectively just have one lump mortgage that covers all of your properties.

Turns out it’s a pretty common question and one that Dave gets asked quite frequently; ‘can I have one lender that supports my portfolio in a limitedconpany?’ You’ll have to tune in to find out the answer…

Our second question comes from a listener who is wanting to know if he needs a limited company for every property that he purchases. He’s heard of some investors using this strategy but is wondering what’s best in terms of mortgageability.

What’s Dave’s opinion on multiple companies and what advice does he give?

Hit the play button to find out.

Tune in next week when Dave will be back once again to answer more mortgage questions.

Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply).

Or if you prefer, click here to leave a recording via your computer instead.

The next question on Ask Rob & Rob could be yours.

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself.

See omnystudio.com/listener for privacy information.

On this week’s Ask Rob & Rob, Dave Cookson is back to answer more mortgage related questions.

Mortgage broker Dave has appeared on The Property Podcast numerous times and most recently busted some of the most common mortgage myths in conjunction with the launch of Property Hub Mortgages.

And today he’s back to answer your mortgage related questions.

The first question is from Rob (yes, another Rob!), who has two properties in his portfolio - both are based in London and have development potential. He’s pretty confident that if he does these improvements, both the rental and resale value will increase.

But how does he raise the initial funds to crack on with his plans?

Both of his properties are on a standard 75% LTV mortgage and the lenders are not allowing any further advance. Does Dave know of anything Rob can do?

The next question comes in from Hannah.

Hannah runs her own business and has the choice of how much income to take in the form of dividends, whilst leaving the rest in the business to avoid paying more tax.

She owns her home outright so doesn’t have many outgoings. But she’s heard somewhere that lenders want to see a minimum amount of personal income.

With this in mind, Hannah wants to know how much she needs to start paying herself from her business to maximise her mortgage options? She’s also been told that lenders don’t count rental income as personal income.

Is this True? Tune in to find out what Dave has to say...

Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply).

Or if you prefer, click here to leave a recording via your computer instead.

The next question on Ask Rob & Rob could be yours.

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself.

See omnystudio.com/listener for privacy information.

It's time for another couple of questions in this week’s edition of ‘Ask Rob & Rob’, two listeners ask Rob & Rob... Can I buy at auction through a limited company? PLUS: Will I qualify for a buy-to-let mortgage?... ASK YOUR OWN QUESTION TO ROB & ROB!

Don't be shy! All you need to do is leave a message with your name and whatever's on your mind.

Just pick up the phone and call 013 808 00035 (normal UK call rates apply).

Or if you prefer, click here to leave a recording via your computer instead.

See omnystudio.com/listener for privacy information.

It's time for another question in this week’s edition of ‘Ask Rob & Rob’, one listener asks Rob & Rob... Should I rent or buy a property when I don’t know where I’ll be based in two years? ASK YOUR OWN QUESTION TO ROB & ROB!

Don't be shy! All you need to do is leave a message with your name and whatever's on your mind.

Just pick up the phone and call 013 808 00035 (normal UK call rates apply).

Or if you prefer, click here to leave a recording via your computer instead.

See omnystudio.com/listener for privacy information.

In this week's episode, Rob & Rob talk about getting a mortgage when you're not yet a property owner. Rob B says that there are a lot of mortgage lenders out there, but as a non home owner, and not yet a property investor, the pool of products available are actually quite small.

Rob B goes on to say that in 6 months time there will be more options. Both Rob and Rob discuss the options available to you and say how important it is to have a good mortgage advisor.

See omnystudio.com/listener for privacy information.

This week on Ask Rob & Rob, Ed asked: What will happen to mortgage availability as you get older? The answer touched upon the fact that the trend is leaning more and more towards people getting mortgages later in life. This is for a couple of major reasons: firstly the change in pension reforms that have […]

The post ASK44: What will happen to mortgage availability as you get older? appeared first on The Property Hub.

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Uh oh…it’s a LIVE edition of the podcast! We’re celebrating Issue 1 of The Property Hub Magazine landing on doormats around the country by conducting a Q&A with some of the listeners who’ve played a big part in helping us to get this – our most ambitious project yet – off the ground. Some of […]

The post TPP114: Live Q&A appeared first on The Property Hub.

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Will it become easier to share in your employer's profits under new government proposals? We also look at the most profitable buy to let properties and a new care fees solution

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Is it worth transferring your personal pension? We look at the exit charges that can make all the difference. Plus - high-earners' tax bills, and how to get a buy-to-let mortgage.

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