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The Property Podcast

ASK479: How do I prove I've added value? PLUS: Can I get a Stamp Duty refund?

The Property Podcast

Rob Bence & Rob Dix

Investing, Education, Business News, News, Business

4.82K Ratings

🗓️ 3 June 2025

⏱️ 8 minutes

🧾️ Download transcript

Summary

Happy Tuesday! Rob & Rob are back to help two more listeners with their property questions…    (0:40) Mujtaba’s remortgage is coming up, and he plans to use some savings to renovate his property to boost its value. He asks Rob & Rob how he can make sure the improvements are recognised by lenders when it comes to refinancing for both his home and any future investment properties.  (5:10) Rachel’s in the process of buying her first residential home to live in, but she’s still named on the mortgage for her buy-to-let property. With her name unlikely to be removed before completion, wonders whether she’ll still be eligible for a refund on the additional stamp duty charge.  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

Click on a timestamp to play from that location

0:00.0

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

0:06.2

Hey everyone, welcome to Ask Rob and Rob, the show where you give us your property questions

0:10.7

and we give you good answers, hopefully in return. This week is no different. But before we

0:16.0

get started, let's remind you of how you can get your question on the show. Yeah, it's so easy. I'm going to be so bold as to

0:22.1

say, if you can't figure this out, you shouldn't be investing at all. It's so easy. You just have to go to

0:25.6

property hub.net slash ask. When you get there, you can leave us a written question for the Sunday

0:29.9

times because you can find our smiling faces in there every week. Or our preferred option is you let us hear your lovely voice and send us a question for the show.

0:38.8

All of that is at property hub.net slash ask.

0:41.3

Let's have a listen now to our first question.

0:44.3

Hello, Rob and Rob.

0:45.7

Muchtaba here from London.

0:47.0

I moved to the UK back in 2021 and I have been a massive fan of the podcast ever since.

0:52.8

I follow the YouTube channel quite closely as well, and I've read all the books.

0:56.6

Thank you so much for all the incredible content and so much valuable information that you share

1:01.6

with us regularly.

1:03.0

I can't tell you how much I appreciate it.

1:05.4

So my question was regarding my house that's due for a remote cage.

1:10.6

And basically, I do have some cash,

1:13.3

which I wish to use in redecorating and adding value to the house. The thing that I'm concerned

1:20.7

about is, rather than paying down the debt, if I do this, what's the guarantee and how do I

1:25.7

ensure that the value add that I've, I think I've

1:29.3

done to the house is actually accounted for by the mortgage lenders as well. Now, I know this isn't

...

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