ASK308: Why won’t lenders reward me for a low LTV? PLUS: What’s your interest rate prediction?

The Property Podcast

Rob Bence & Rob Dix

Business News, News, Business, Education, Investing

4.8 • 2K Ratings

🗓️ 26 October 2021

⏱️ 9 minutes

🔗️ Recording | iTunes | RSS

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Summary

It’s that time of the week where Rob & Rob answer listener questions. And this week, we’re breaking all the rules as we’re answering two questions from one listener. Recently on The Property Podcast, Rob & Rob delved into why Dave Ramsey is WRONG and this got one listener thinking. If you have a low loan-to-value, where the risk should be lower for the lender, why aren’t you offered a more generous interest rate? Why don’t LTD lenders reward investors with a prudent approach? He would also like to hear Rob & Rob’s predictions on what will happen to interest rates on mortgage products. Tune in to find out what the guys have got to say. Do you have a buy-to-let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply). Or if you prefer, click here to leave a recording via your computer instead. The next question on Ask Rob & Rob could be yours. Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So, get yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

Transcript

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0:00.0	Hi, I'm Rob, and I'm Rob, and this is Ask Rob and Rob.
0:08.6	Welcome to a very special edition of Ask Rob and Rob.
0:12.2	The show where usually we answer two questions from two different listeners, but today we're
0:17.8	breaking all the rules, we've got one listener asking two questions, we'll find out whose
0:23.2	lucky day it is in a second, but if you aspire to get a question answered or maybe push for
0:27.8	two as well, then here's how you do it.
0:29.9	Okay, so the number is the same.
0:32.1	Hopefully you've memorized it by now, but if not, the number is 0 and 3, 808, triple O,
0:37.7	three, five, or if you don't like using that telephone and you want to use a computer
0:42.0	or a website, more specifically, because you could do it for your phone as well.
0:45.9	You go to proptihub.net, forward slash ask, that's proptihub.net, forward slash ask,
0:52.7	and you can leave us a question that way as well.
0:56.1	It's super simple.
0:57.7	Is that simple, the process, Rob, that people seem to forget to give their name in?
1:01.8	So shall we name this wonderful listener?
1:04.8	Yes.
1:05.4	So let's hear now from Benedict.
1:09.0	Hi, Rob and Rob, thank you very much for the invaluable information and for really having
1:13.6	a major influence on myself and my partners, investing behavior in the Northwest, where
1:19.0	to be able to some returns have exceeded the expectations, one of our proptihs that
1:24.3	we bought at three and was actually over the last two years was actually sourced by R&D,
1:29.2	who actually, as you were previously known, it's now proptihub, over at Dean's Gate,
	...

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