TPP623: Mortgage Market Update

The Property Podcast

Rob Bence & Rob Dix

Investing, Education, Business News, News, Business

4.8 • 2K Ratings

🗓️ 20 February 2025

⏱️ 35 minutes

🔗️ Recording | iTunes | RSS

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Summary

With interest rates coming down, things are looking up, but there’s one pesky challenge that's still on investors' radars - down-valuations! Joined by our mortgage expert, Rob & Rob tackle the touchy topic no one else is talking about, discussing the latest updates and expert advice on what you can do to ensure it doesn’t derail your next deal. (1:00) News story of the week. (2:25) Our mortgage expert shares his key insights… (3:15) What’s the current state of the mortgage market? (4:50) The latest on interest rates. (6:30) How does he manage client expectations? (9:50) What’s a realistic rate for investors now? (11:20) Should you tie arrangement fees into your mortgage? (13:58) What’s lender sentiment like right now? (15:30) Anything new around mortgage products? (16:45) What’s the latest updates on down valuations… (24:00) How’s sentiment around them? (24:25) How to stay positive with down valuations as an investor. (31:05) Expert forecast for the next 12 months. (32:20) What options are available to expats? (33:40) Hub Extra. Links mentioned: EPC C by 2030: Government Consults on Big Changes for Private Rented Sector Pliability 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

Transcript

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0:00.0	Hey everyone, it's Rob B here with Rob D and you are listening to the property podcast.
0:06.0	This week we have a mortgage expert on and we're going to talk about what the market has done recently, where it's going in the future, and then we get into a deep discussion about down valuation, something that's just not discussed anywhere else, but we get into some great detail there.
0:20.4	You're going to absolutely
0:21.0	love it. Welcome to the Property Podcast. Thank you for joining us. In case you don't know,
0:31.2	we run a business that buys more than £100 million worth of property every year. You can find
0:35.0	out about that at Property hub.net slash invest.
0:38.2	And we talk over and over about the power of when you're buying a property using a mortgage.
0:44.1	That leverage is one of the main benefits of investing in property.
0:47.6	But there's always so much uncertainty about which product you should be going for.
0:51.5	And there are often some challenges that get thrown up along the way as
0:54.7	well. So keep on listening, because the information our guest is sharing today might just rescue
0:59.0	your next deal. First, though, into our news story this week, and the government is at it again. Yes,
1:04.7	more legislation in coming. At least if the government gets their way following a consultation,
1:09.2	they've just put out about energy performance certificates. So at the moment, as you'll probably know, every rental property
1:15.2	needs to have at least an EPC grade E. And it's been rumoured for years that the requirement
1:20.1	is going to be raised up to a C. A consultation into that has finally begun. And as part of that,
1:25.8	we can see what the government's intentions are
1:27.9	and it is to make every property require a C by 2030. Now before you get too worried, there are
1:33.9	exemptions in there. So if you've got a really, really old property or a listed building or something
1:38.7	where the only way to achieve that would be to damage the structure of the building, there'll be
1:42.5	exemptions. If you've got a freeholder or a tenant who's not playing ball, so you won't be able to hit the
1:46.9	deadline, exemptions for that as well. But for some landlords, there will be work to be done.
	...

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