ASK489: Which mortgage deal should I go with? PLUS: Do I need a new EPC?
Welcome back to Ask Rob & Rob, where we help tackle your property questions. Let’s dive into the answers...
(0:49) Dee’s been offered three mortgage deals with product fees of 5%, 3%, and 0% - but calculations suggest the highest fee might actually be the cheapest overall. Should Dee stick with his current lender’s options or shop around?
(3:58) The EPC’s have expired on Ryan’s two properties. One letting agent says renew now, another says wait until a new tenancy. Who’s giving the correct advice?
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Send us your question here – just hit record!.
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8:36
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8:36
The Property Danger Zone
There’s a hidden danger zone that every property investor reaches, but whether you get trapped there or push through to success is up to you. Tune in as Rob & Rob reveal exactly what the Property Danger Zone is, why it’s so risky, and most importantly, how to escape it if you’re already stuck.
(0:44) News story of the week.
(2:58) What exactly is the property danger zone?
(9:11) How do you avoid getting trapped in it?
(14:30) Final words of wisdom from The Robs.
(16:07) Hub Extra.
Links mentioned:
Rental deposit scheme in UK ‘puts millions in the pockets of landlords
Wispr Flow
TalkTastic
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Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse
Find out more about Property Hub Invest
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19:21
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19:21
ASK488: Should I get rental insurance? PLUS: Is this a leasehold nightmare?
Another Tuesday, another Ask Rob & Rob, and we’ve got two cracking questions lined up this week!
(0:55) After hearing Rob and Rob discuss being more open to rent insurance, Francesco wants to know: even if you’re in a strong financial position and can handle occasional losses, do the guys still think it’s worth doing, or is it just being overly cautious?
(4:34) James is in the process of buying his third rental property — a leasehold maisonette that initially appeared to be a great investment, but he’s since discovered a clause regarding large ground rent increases. After negotiating a deed of variation with the seller, he wonders if there are still risks he might be missing and asks Rob and Rob whether it’s worth proceeding or better to walk away.
Enjoy the show?
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Send us your question here – just hit record!
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7:36
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7:36
How we'd fix the property market
There’s no sugar-coating it: the UK property market is broken in more ways than one. From outdated processes to a lack of stock, and let’s not even talk about stamp duty — it’s a system in desperate need of change.
In today’s episode, Rob & Rob aren’t holding back as they break down the biggest issues facing the market right now and, more importantly, share how they’d fix them.
(0:55) News story of the week.
(03:44) Thank you so much for all your support!
(6:40) What are the core problems with the housing market?
(7:28) The quick fixes that wouldn't work.
(9:10) Rob & Rob’s realistic solutions.
(32:35) Hub Extra
Links mentioned:
Hamptons downgrades rental growth forecast as market continues to cool
Give blood
Enjoy the show?
Leave us a review on Apple Podcasts - it really helps others find us!
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Find out more about Property Hub Invest
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35:07
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35:07
ASK487: Should I invest instead of buying a home? PLUS: Is this ground rent a dealbreaker?
Happy Tuesday! It’s time for Rob & Rob to answer two more great questions from our listeners!
(0:46) Sam’s a first-time buyer and has found a property that looks like a great investment. He knows getting a buy-to-let mortgage might be tricky, so he’s considering using a residential mortgage with consent to let. He asks Rob & Rob whether this is a smart strategy and for their take on this approach.
(4:07) Karan’s in the process of buying a property in London but has hit a roadblock after discovering the lease includes a ground rent clause with no cap on future increases, which is making his lender nervous. They’re asking for a deed of variation, which the management company is happy to do, if the seller pays a £10k fee. He wants to know if his lender’s being overly cautious, if the fee is excessive, and how to avoid ending up with a problematic asset.
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 here – just hit record!.
Find out more about Property Hub Invest
The Property Podcast from Property Hub (propertyhub.net) is the podcast for all property investors – new or experienced. Rob Bence and Rob Dix discuss a different property topic and property news item each week, passing on their knowledge and experience to the listeners. They both invest in UK Property so they practise what they preach. No hard sell, no bull just straight talking property investment advice!
UK