Hi, I'm Rob.

And I'm Rob.

And this is Ask Rob and Rob.

Hey everyone, it's Ask Rob and Rob, the show where you give us your lovely questions in, normally property related, and we give you our answers back.

It's a very simple concept. And we make it very easy for you to get your questions in as well, which has probably helped that run.

Yeah, I think so. All you've got to do is go to property hub.net slash ask.

Really is as simple as that. From there, you can send us a written question if you want to see

your name in the Sunday times or arguably even better. If you want to get your voice on the

podcast itself, then you can leave us an audio message. Okay, let's have our first question from

Kishan. Hi, Robb. My name's Kishan. I'm a portfolio landlord of five properties. I've been listening

to your podcast for some time now, and I'm grateful for all the wisdom you share on a weekly

basis. I have recently purchased a property via the property you have invested, and I'm looking

forward to adding that to my portfolio in

the near future. Our question is twofold. Firstly, starting with remortgage of existing properties,

which several of mine are due now. I've been presented with a variety of products, which range

from those that have high enraignment fees to others which have no arrangement fees at all. On the whole, after doing the maths, it works out more

economical to take the mortgages with higher arrangement fees. But I wanted to

ask how you approach this. Do you tend to absorb the cost of the

higher arrangement fee into the mortgage if that's available or would

you tend to pay that mortgage arrangement fee up front?

And this sort of leads on to my next question, which is around mortgage debt in the portfolio

as a whole.

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