Hi, I'm Rob. And I'm Rob. And this is Ask Rob and Rob.

Hello everyone, welcome to Ask Rob and Rob. The show where you get your property questions in.

We get our juices flowing and we give you the very best of our answers at least

we attempt it anyway so let's do that let's get your questions answered but before we we do, before we jump in, let's remind you how you can get your question on the show.

Yeah, it's really not that hard. You just got to go to Property Hub.

Let's ask. On there you'll find the number if you want to call us, the link if you want to send it a voicemail,

you can even submit a written question for us to answer in the Sunday Times.

So whatever is in your mind, get it over to us and we'll try and help you out,

just like we're about to for Emily.

Hi Robin Rob. Emily here from London.

Thank you for all the podcast, the February Fundamentals that you did in 2019 were truly life changing for me.

My question is about loan to value ratios. I've always

taken money out from my properties to keep them at a 75% loan to value ratio and to free up money

for new investments. There's recently been a lot of discussion about people

aggressively refinancing to release as much money as possible and I'm concerned about being

in a vulnerable position as this is essentially what I've done. I want to

maximize the benefits from leverage without over stretching my business and I was

wondering what percentage loan to value ratio you recommend in this market. I was wondering if it was time to start

leaving more money in the property for trying to keep them at 75% loan to value ratio.

Thanks very much for your thoughts. Bye.

Emily first of all, thank you.

It's so wonderful to hear people who've taken action,

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