ASK445: How do I convert growth into cash? PLUS: Can I get my lender to recognise improvements I've made?

The Property Podcast

Rob Bence & Rob Dix

Investing, Education, Business News, News, Business

4.8 • 2K Ratings

🗓️ 10 September 2024

⏱️ 7 minutes

🔗️ Recording | iTunes | RSS

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Summary

Happy Tuesday! Rob & Rob are back and they’re answering two new listener questions!  (0:44) Owen’s curious about how you extract the cash from a capital growth-focused property portfolio. He understands that capital growth creates more wealth in the long run compared to high rental yields, but he's unsure how to access that wealth when the time comes. He turns to Rob & Rob for guidance on the best approach and whether he should rethink his overall strategy. (4:08) James wants to know if he can request a full re-evaluation of his property from the mortgage company to reflect the improvements he’s made, which could potentially increase its value. 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 Send us your question by calling us on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply) or click here to leave a recording via your computer instead. Find out more about Property Hub Invest

Transcript

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0:00.0	Hi, I'm Rob.
0:03.2	And I'm Rob.
0:03.8	And this is Ask Rob and Rob.
0:07.0	Welcome to Ask Rob and Rob.
0:08.4	It's the show where we answer your property questions.
0:10.8	And the show, of course, starts with you so we'd like to make it really simple
0:14.5	for you to send your questions our way. We do head over to Property Hub.net
0:18.6	forward slash ask that's Property Hub dot net forward slash ask.
0:23.7	There you can leave us a message, you can call us
0:27.2	and leave a voicemail if you prefer.
0:29.2	Or if you want to write in with your question,
0:31.2	we have our wonderful column in the Sunday times each
0:34.0	and every Sunday in the home section so if you want to get your question in that way
0:37.8	you can as well. Luckily lots of you continue to get your questions in. So let's start with Owen.
0:44.5	Hi Robbie Rob, this is Owen here. I have a question for you about extracting wealth
0:50.9	from a portfolio of properties that were all purchased because they
0:56.5	were basically weighted towards capital growth rather than rental yield. So I understand the fact that capital growth is going to generate way
1:07.5	more wealth in the long run than a high rental yield with minimal capital growth
1:12.3	but later on in life when you actually
1:14.7	want to make use of that higher growth and a lot of that capital that's built up
1:20.0	how are you best going to extract that wealth? Am I just getting this wrong from the start and if that's your end goal should you just be
1:28.1	Accumulating high rental yield properties or is there something that I don't really know yet strategy wise of what you can do at that point.
	...

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