Interest rates have been cut, but what does this mean for the mortgage market? Joined by our mortgage expert Kelly Rule, Rob & Rob discuss the current state of the market, how base rate changes are impacting mortgages, and why now is a good time for both new and experienced investors to take action.
(0:40) News story of the week.
(2:55) We’re joined by mortgage expert Kelly Rule.
(2:50) What’s the impact of the latest base rate cut?
(7:15) What’s the current state of the mortgage market?
(12:15) Are lenders becoming more competitive?
(14:35) What types of mortgage products are investors choosing right now?
(17:25) What strategies are the most successful investors using?
(20:35) The latest on down-valuations.
(22:25) What common mistakes do you see from investors?
(25:37) Are investors buying through limited company or personal name?
(26:45) Let’s break down current mortgage rates for every type of investor.
(32:35) Are lenders making things easier, or are there still tricky criteria to meet?
(34:35) If you had one wish for the mortgage market, what would it be?
(38:25) Hub Extra.
Links mentioned:
Knight Frank increase their growth forecasts for UK house prices
Airalo
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41:32
ASK477: Does property still work long-term? PLUS: Should I move to invest?
It’s time for your weekly dose of Ask Rob & Rob – let’s get stuck into two great listener questions!
(0:40) Matt wonders if property can still be a reliable pension for younger investors, given house prices have historically risen faster than wages and inflation. With concerns about falling demand and economic shifts over the next 30+ years, he asks Rob & Rob for their thoughts.
(7:05) Miles is on a moderate wage in London and wants to build a property portfolio, but it’s proving difficult to save for a deposit. He asks Rob & Rob whether buying up north, living in the property, and renting out spare rooms is a smart way to get started, or if he should hold out for a more traditional buy-to-let.
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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.
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11:07
What next: will property boom or crash?
Boom or bust? It’s the question on every investor’s mind right now. Tune in as Rob & Rob break down the key arguments on both sides, looking back at what’s happened in the market previously and unfolding now, rounding things off with a realistic take on what’s most likely to happen and how investors can stay one step ahead.
(0:50) News story of the week.
(2:10) Will the market boom or crash from here?
(2:40) Let’s look at what’s happened in the last few years.
(5:45) So what next? Rob & Rob break down the possibilities.
(10:35) What Rob & Rob think will actually happen.
(18:40) Advice for investors.
(19:45) Hub Extra.
Links mentioned:
Mortgages rates set to fall after Bank of England interest rate cut
Severance
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23:46
ASK476: How should I invest my £50k? PLUS: Is this a red flag?
Happy Tuesday! It’s time for another episode of Ask Rob & Rob, where we dive into your property questions.
(0:45) With £50K saved up for his first property investment, Paul’s looking to invest locally in the West Midlands. He’s torn between buying a flat or house, and wonders if he’d be better off looking in cheaper areas and trying to purchase two properties instead of one. He asks Rob & Rob what they’d do in his position.
(5:55) Simona's in the process of buying a two-bed flat in Manchester city centre, but some red flags have popped up during conveyancing, including a big jump in service charges, a £2K deficit, and no reserve fund in place. With the seller’s solicitor slow to respond, she wonders if this is a sign to walk away.
Enjoy the show?
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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.
Find out more about Property Hub Invest
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9:27
May 2025 Market Update
This month’s market update comes with a twist, as Rob & Rob share surprising house price trends, under-the-radar market insights, and give you a rare behind-the-scenes look at a deal they’ve just completed.
Click here if you want to learn more about Property Hub Invest or get free advice from our Portfolio Managers.
(0:47) House price data that shocked Rob & Rob
(7:15) What’s going on in the rental market
(10:45) The latest news on mortgages
(14:30) Some insights about the build to rent market
(16:27) Hub Extra
Links mentioned:
Starlight Express
House prices
Nationwide house prices
Rightmove house price index
Rental market
Rental trends tracker
Generation Rent complains about landlords requiring guarantors
Mortgages
The Mortgage Works cuts landlord prices, launches sub-3% loans
Momentum continues with fixed rate cuts: Moneyfacts
MPC Preview: ‘The world has changed’
Accord lowers stress rates as part of affordability model changes
Buy to rent
Strong Q1 for investment positions the market well for 2025 - UK BTR Market Update - Q1 2025
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
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