ASK353: How do we prepare for a crash? PLUS: Do I need an emergency fund?
The Property Podcast
Rob Bence & Rob Dix
4.8 • 2K Ratings
🗓️ 4 October 2022
⏱️ 11 minutes
🧾️ Download transcript
Summary
Rob & Rob are back with more answers to your questions.
Gareth from The Wirral has been a listener for years, and as a result he’s got a question about the 18-year property cycle.
If we’re in year 15 of the cycle, he wants to know what preparation he should be carrying out in anticipation of an inevitable crash.
Rob & Rob’s answer touches on mortgages, deal sourcing and how to choose where to invest.
Next up is Max from Milton Keynes.
He’s in the process of remortgaging his house and planning to start a buy-to-let portfolio, and he’s got a 3-month emergency fund to cover all bills and expenses.
He's calculating a 10% buffer with the buy-to-let properties he’s looking at, but wants to know if that’s necessary when he’s got the emergency fund.
Tune in to find out.
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).
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Transcript
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| 0:00.0 | Hello everyone and welcome to Ask Rob and Rob, the show where you give us your wonderful |
| 0:12.2 | questions and we do our very best to give you a wonderful answer or at least a useful |
| 0:16.4 | answer. |
| 0:17.4 | It's super simple to get on the show, we've done hundreds of these episodes now and |
| 0:21.2 | hopefully you do know how to get on the show, but it just in case you're new to the |
| 0:26.4 | podcast or you haven't quite absorbed the information, here's another reminder. |
| 0:30.1 | Yep, so easy, just call 0138088835 or you can go to property hub.net slash ask. |
| 0:37.5 | Either of those methods will leave you to a voice mail where you can leave us a recording |
| 0:41.0 | if you're burning question, just like Gareth did. |
| 0:43.1 | Hi Rob and Rob, it's Gareth here from your neck of the world, Rob the world. |
| 0:46.6 | I listen to your podcast every week at the gym and always find them really informative |
| 0:50.1 | and inspiring, so thank you very much and keep them coming. |
| 0:53.0 | My question is, give or take a bit if we're in year 15 or so, the 18 year property cycle |
| 0:58.1 | and that a crash in the market according to the cycle of principles is inevitable and |
| 1:02.3 | what preparation would you suggest we do now to minimise any potential impact that this |
| 1:06.4 | may have to buy to let and deal source and strategy. |
| 1:09.9 | Thanks very much and look forward to your answer. |
| 1:12.4 | Gareth, I want two more reps out of you before we answer this. |
| 1:15.1 | It's going easy on you as well because you're such a wonderful part of the world. |
| 1:17.9 | Yeah, normally that's for another 10. |
| 1:19.8 | I'm going Rob, but let's assume Gareth's done the reps and let's give him an answer. |
| 1:22.9 | Okay, so I think this is a really interesting question and it's something that I've started |
... |
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