mortgage payments

Explore "mortgage payments" with insightful episodes like "TPP554: What has inflation done to your property investments?", "ASK367: Can I cut my living costs this way? PLUS: Is my ROI calculation right?", "Santander's 123 chop and how do we pay for the coronavirus crash?", "ASK228: How do mortgage holidays actually work? PLUS: Should I reduce my rent?" and "ASK213: Should I release equity and give up my great mortgage rate? PLUS: Where in Scotland should I invest?" from podcasts like ""The Property Podcast", "The Property Podcast", "This is Money Podcast", "The Property Podcast" and "The Property Podcast"" and more!

Episodes (6)

TPP554: What has inflation done to your property investments?

How has inflation affected your property investments? Tune in as we run the numbers and help you see inflation in a completely different light.

(0:52) News story of the week
(3:33) What does inflation really mean for investors?
(4:07) Taking a look at the numbers
(16:02) Hub Extra

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enOctober 26, 2023

ASK367: Can I cut my living costs this way? PLUS: Is my ROI calculation right?

Rob & Rob are back to offer their advice to two more listeners!

(0.35) - Phil from Reading wants to know whether he can cut his living costs by buying a new property in Reading.
(3.40) - Rashid has questions about calculating his ROI, and wants Rob & Rob’s advice on it.

Enjoy the show?

Leave us a review on Apple Podcasts - it really helps others find us!
Sign up for our free weekly newsletter, Property Pulse
Send us your question by calling us on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply) or click here to leave a recording via your computer instead.

See omnystudio.com/listener for privacy information.

The Property Podcast

enFebruary 07, 2023

real estate investment

Santander's 123 chop and how do we pay for the coronavirus crash?

The latest Santander 123 account rate cut, trying to turn a profit on mortgage holidays, how we pay for the coronavirus crisis and furlough scheme and the crash in car sales all feature on this week’s This is Money podcast.

Once upon a time, Santander’s 123 could lay claim to being the king of the current accounts.

As banks battled to customers to switch, Santander’s cashback and 3% interest-packing deal was one of the main challengers for the crown.

The shine came off slightly when that interest rate was chopped to 1.5% in 2016, but now the 123 account has been doubly dented with a rate cut to 0.6% announced on the very same day the rate was already being cut to 1%.

In all but name it’s now the Santander 1, 2, 0.6 account and that doesn’t quite have the same attraction.

But when letters are coming through the post telling you that your savings account has been chopped to 0.01%, perhaps it is still worth bagging a current account paying 0.6%.

On this week’s podcast, Simon Lambert and Georgie Frost look at why Santander has chopped again, if the deal is still worth taking regardless, and whether the great current account switching push has fizzled out.

Next up on the podcast is mortgage holidays. Figures show almost 2 million people have taken up the option of a break from their mortgage payments, but some who don’t need to take one have been wondering if it might be a financially savvy move to do so anyway.

Could you save or invest the skipped payments and make money in the long run? And even if that is possible, is it ethical?

Plus with 6.3 million people furloughed, can we really expect the mortgage holidays to end in June – and how does the nation pay for the colossal coronavirus rescue package?

And finally, Britain’s best-selling car in April was Tesla’s Model 3 but astonishingly it wasn’t the most sold vehicle. That accolade went to a van, the Mercedes Sprinter, but will the motor industry be changed by all this?

This is Money Podcast

enMay 11, 2020

santander 123 account

ASK228: How do mortgage holidays actually work? PLUS: Should I reduce my rent?

It’s Tuesday which means it’s another episode of Ask Rob & Rob, and they’re changing things up today.

Coronavirus has naturally ramped up the number of questions we’ve been getting through. So Rob & Rob have decided to combine some of the popular ones.

The main question we’ve been asked is around buy-to-let mortgage holidays. There appears to be a fair bit of confusion about how these work.

Rob & Rob have addressed the situation to give property investors a better understanding. Here’s what you can expect them to answer:

Can I get multiple mortgage holidays? I have properties with several different lenders, will they all honour it?
I’ve got a property that's currently empty between tenants, can I get a mortgage holiday on it?
If I take a mortgage holiday do I have to defer the rent to my tenant?

As the demand for letting property right now is likely to drop, should landlords be taking a reduction in rent?

Well…tune in and you’ll find that one out!

With all the negative news going on right now, the Rob’s are always here to answer your questions and keep you updated on the property market.

So sit back, relax and have a nice cuppa while The Robs keep you updated on the most asked 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.

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enMarch 24, 2020

ASK213: Should I release equity and give up my great mortgage rate? PLUS: Where in Scotland should I invest?

Rob & Rob are back again this week to answer more of your property related questions. So let’s get started!

First up we’ve got Catherine from Bristol who is well underway with her property investment journey having built up a portfolio of five buy-to-let properties.

She’s looking to build this portfolio to eight properties in order to achieve the income figure that she has in mind. The end goal is to be able to make big changes to the way she and her family live their lives.

Currently, one of her properties in London is on an incredible mortgage rate of 1.54%! Definitely not the kind of rate you’d get now.

After speaking to two mortgage advisors, both have said that she could release around £125,000 in equity from this property, so she has the deposit she needs to grow her portfolio. However, this means giving up the amazing mortgage rate she’s currently on.

If she were to do this, straight away she’d be paying around £9,000 more a year in mortgage fees on that one property. Wowza!

So should she wait it out for a few years until she can release equity from other properties and keep the great mortgage rate, or should she act now?

Our second caller is Ben from Aberdeen, who wants to know where Rob & Rob would recommend to invest in, in Scotland. Something they get asked all the time.

He’s had one buy-to-let property for the past six years and has recently bought a further two in the small town he grew up in.

Ideally he wants to move his location focus away from his hometown, but still remain in Scotland. He already knows that his main goal is cash flow and long term he’d like to look at Edinburgh, but feels that’s currently too competitive for him.

It’s finally the answer to a question a lot of you have been waiting for. Where would Rob & Rob invest in Scotland?

Tune in to find out!

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

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

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enNovember 19, 2019

ASK99: How can I flip properties remotely? PLUS: The costs of 10-year fixes

It's time for another couple of questions in this week's edition of 'Ask Rob & Rob', Kush and Fez...

...ask Rob & Rob...How can I flip properties remotely? PLUS: The costs of 10-year fixes

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.

NEED MORE ANSWERS?

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Over the course of a full day at a swanky hotel we'll help you set your goals, form a plan to get you there, overcome your obstacles, and give you the support system you need to make sure nothing gets in your way.

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enAugust 01, 2017

remote property flipping

buy-to-let investment