The Property Podcast

Could a lender ever pull the rug and demand your mortgage back early? And should you be topping up your tenants’ deposits every time the rent goes up?

Your questions are tackled on this week’s Ask Rob & Rob.

(00:44) Josh wants to know, due to economic uncertainty, whether a lender could ever demand full repayment before the end of the term - even if he’s never missed a payment. Rob B draws on experience from the last market crash to explain what lenders do when property values drop.

(04:35) Luke rents in Hong Kong where deposit top-ups are standard practice. Should he be doing the same with his portfolio in the UK? Rob D explains the logic behind it, and what you need to get right if you do.

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A record amount of money is flooding into UK property, yields have hit levels we haven't seen in years, and stamp duty reform is back on the agenda. Rob & Rob explain what it all means for investors right now.

So, if you’re wondering what’s really going on with house prices or trying to figure out if now’s the time to act, this one’s packed with signals you won’t want to miss.

(00:44) Why the UK’s borrowing position makes the next move so tricky

(03:42) House prices are up 2.2% but asking prices just had their biggest June drop in 14 years - what's really going on beneath the surface?

(06:18) What do falling swap rates mean for your borrowing power?

(10:00) Why individual landlords are leaving while institutions pour in billions

(13:01) What the build-to-rent record investment levels mean for amateur landlords

(15:36) What stamp duty reform and a home-buying process shake-up would mean for you

(19:29) Hub Extra

Links mentioned:

The Bank of England Interest rates remain at 3.75%

Our latest podcast episode on the silent property crash

The professionalisation of landlords YouTube video

Subscribe to Property Hub’s YouTube channel

House prices:

Nationwide House Price Index

Rightmove House Price Index

Mortgages and lending:

Swap rates fall below 4% for the first time this cycle

The Bank of England Money and Credit release

Rents:

Goodlord Rental Index

RICS residential Market Survey

Fleet Mortgages Quarterly Rental Barometer

Landlords and the professionalisation of buy-to-let:

Savills' Q2 build-to-rent update

Interest in becoming a landlord falls in almost every UK city

Regulation:

Government discussion on stamp duty shake-up

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

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Why are so many solicitors involved when buying a buy-to-let? And should you be planning for the worst with prospective tax changes on the horizon? Your questions, answered on this week’s Ask Rob & Rob.

(00:41) Colleen’s in the process of buying two buy-to-let properties but has been hit with unexpected legal fees from multiple solicitors. Is it normal to hit this many hurdles? Rob D breaks down why this happens, whether any of it could’ve been avoided, and what “independent legal advice” means.

(04:29) Nik’s worried about future potential tax changes. What’s the best way to plan defensively? Rob B explains why investing through a limited company might already be the best protection investors have.

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What happens when a tenant fails referencing, talks their way in, and then refuses to leave for over two years?

Well Rob B experienced this exact scenario...

From fabricated sob stories to AI-generated legal threats, in this episode, Rob B shares the most extreme tenant horror story from his 20-year property career.

(00:50) News story of the week

(04:15) How a failed reference and a convincing sob story led to the worst tenant decision Rob B ever made

(08:07) The breaking point when enough was enough

(10:07) Why getting a court order was just the beginning

(17:47) The eviction day showdown involving bailiffs and police

(23:22) The full financial damage - and the one change Rob B’s made that he’ll never go back on

(32:12) Hub Extra

Links mentioned:

Financial results for Berkeley Group

Bob & Brad’s YouTube

Bob & Brad’s C2 massage gun

Research rent protection insurance providers

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It’s Tuesday, which means it’s time for Ask Rob & Rob - and this week’s episode tackles two topics that come up time and again for investors.

(00:37) Jack has bought his first buy-to-let through a limited company and wants to know the smartest way to save for the next one. Rob D explains why the snowball effect means he’s closer than he thinks, and what really matters at this stage.

(03:17) Liam’s mortgage valuation has come back £40k below what he thinks the property is worth - so has he overpaid? Rob B explains why valuers have no incentive to go above purchase price, and how that gap can work in his favour when it’s time to refinance.

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

Got a question? Send it in here

Find out more about Property Hub Invest