The Property Podcast

Mortgage rates are moving, and if you’re an investor trying to work out what to do next, you’re not alone.

Rob & Rob bring in expert, Nick from Framework Mortgages to get straight answers on what’s happening with rates, where they’re likely heading and what investors should be doing right now. 

This episode will get you up to speed on the impact of swap rates, the Renters’ Rights Act, pressure of a global conflict, and more.

(01:01) News story of the week

(04:48) What swap rates are, why they matter more than interest rates and where they sit right now

(10:21) What will trigger lenders rates to rise and fall

(13:46) Whether the Renters’ Rights Act will impact mortgage stress tests and lending criteria

(16:19) Your best options if your fixed rate is about to end

(18:16) Nick's crystal ball prediction for where rates will land by late summer, and how to time your next investment around it

(21:47) Hub Extra

Links mentioned:

Average new seller asking prices rise by 0.8%

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It’s Tuesday! Which means it’s time for another episode of Ask Rob & Rob.

(00:41) Luke's bought his ninth property, but the valuer deemed it unfit to live in. He’s been told bridging loans are now the standard route but is that his only option? Rob B explains how to turn a lending headache into a stronger deal and why this is a perfect situation for negotiation.

(03:51) Alex has built a portfolio of four properties, but the condition of his health has made him think about legacy planning. How can he pass his portfolio onto his family? Rob D walks through a smart process for getting your ducks in a row before speaking to a tax adviser.

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Think it doesn't matter where you buy your investment property? The numbers say otherwise...

Rob & Rob use real world examples, comparing two investors who start with the same £100,000 but buy in different regions. Using Land Registry data, Zoopla yields and Savills forecasts, they show how one investor ends up £83,000 ahead after just 10 years, simply because of where they chose to buy. If you've ever felt the pull to invest close to home, this one might change your mind.

(01:03) News story of the week

(02:52) Why investing close to home could be costing you tens of thousands

(04:49) The data that blows apart the “growth in the south, yield in the north” myth

(07:12) How affordability ratios reveal where the real opportunity lies right now

(09:51) A 10-year worked example comparing two investors with the same starting cash – and the huge gap that location alone creates

(13:35) Getting over the emotional barrier of investing away from home

(18:24) Hub Extra

Links mentioned:

Share of flipped homes falls to decade low

Zoopla’s UK’s highest yielding buy-to-let hotspots

ONS private rent and house prices

Use Google Gemini as a search engine

Prefer taking in information through audio? Use Google NotebookLM

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Leave us a review on Apple Podcasts - it really helps others find us!

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Welcome back to Ask Rob & Rob!

(00:41) Michelle’s considering buying a fourth property to add to her portfolio but knows she’s probably missing out on tax efficiencies. She’s wondering how she can find the right person to help her. Rob D gives a three-tiered approach to sourcing the right professional, and how to use AI tools to sift through forums and find specialists.

(04:01) Frank’s looking into a limited company but has apprehensions. He’s trying to keep his income below the 40% tax rate and is wondering if this is a good strategy? Rob B advises why staying below the 40% threshold is a short-term fix that won’t last and discusses why Northern Ireland’s growth makes up for the higher costs in the meantime.

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Rob & Rob do something they've never done in over 10 years of podcasting...

They’ve pulled back the curtain on three real deals that Property Hub Invest sourced for investors last year.

From tenanted stock in an unexpected city, to a luxury development in a property hotspot, and a clever off-plan opportunity. Each deal is completely different, but they all show what's achievable when you refuse to settle in a buyer's market.

(00:51) News story of the week

(03:22) A tenanted portfolio in a city most investors overlook, with a 12% discount. Plus, why “cheap” can be a trap (and what affordable really looks like)

(08:46) A premium development in a prime spot, a huge 16% discount and investors saving up to £60,000+

(14:10) An “off-plan”, city-centre deal that wasn’t really off-plan. Already built, already tenanted, with proven rental demand.

(18:42) Why these deals show it’s an investor’s market right now, and why Rob & Rob are calling this your wake-up episode

(21:38) Hub Extra

Links mentioned:

The Iron Snail YouTube channel

Rob B’s perfect white shirt from UNIQLO

Zara ATHLETICZ

Check out our YouTube channel - Property Hub UK 

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