meta_pixel
Tapesearch Logo
Log in
The Property Podcast

ASK486: Should I use cash or equity? PLUS: Did this agent break our agreement?

The Property Podcast

Rob Bence & Rob Dix

Investing, Education, Business News, News, Business

4.82K Ratings

🗓️ 22 July 2025

⏱️ 11 minutes

🧾️ Download transcript

Summary

It’s time for the latest edition of Ask Rob & Rob, so let’s dive right in!   (0:45) Adam’s gearing up to start his buy-to-let property journey, aiming to build a five-property portfolio over the next few years. With £45K saved and £150K of equity in his home, he’s weighing up whether to release funds from his main residence and buy outright or use his cash savings alongside a buy-to-let mortgage. He asks Rob & Rob which route they’d take and why.  (5:25) Brendan’s recently completed on an off-plan property and hired the developers in-house letting agency to manage it. But he’s discovered tenants were placed in the property before the sale was finalised without his knowledge or approval. With rent set lower than expected and no access to the tenancy agreement, he’s now questioning whether any of this is legal, and how he can take back control.  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 here – just hit record!.  Find out more about Property Hub Invest

Transcript

Click on a timestamp to play from that location

0:00.0

Hi, I'm Rob.

0:03.5

And I'm Rob.

0:04.2

And this is Ask Rob and Rob.

0:07.2

It is Ask Rob and Rob. Thank you for joining us.

0:09.9

It's Tuesday that means we've got two more of your lovely questions to answer those heading your way.

0:14.8

But if you've got a question of your own, you need to recap how to send it our way.

0:19.3

Yes, you do, but it is very, very easy. You just go to this one place, and there's a selection of options once you arrive there. Go to propertyhub.com. There you can phone in, if you so wish. You can leave a message directly there on that website, or you can write in and maybe see your question in the Sunday Times. Whichever option you prefer, we

0:39.2

do not mind, but for the purpose of this show, audio helps. And luckily, we've had some audio

0:43.8

in. Our first question is from Adam. Hi, Rob and Rob. It's Adam from Liverpool here. I'm currently

0:50.5

reading the Pleak Guards of Property Investment by yourself Rob and to real insights

0:54.9

so thank you. I'm looking at moving into the world of Baita Lett with a target for about five

0:58.8

properties in the next four to five years. I'm going to settle limited as that seemed to be the wise move.

1:04.5

I'm looking at terraced houses in the L17 area of Liverpool which is Egbert and around Sefton Park

1:10.0

which mainly seem to be two and three

1:11.9

bedroom properties. My plan is to try and take the approach of recycling my cash, so otherwise

1:16.8

known as B-Tripple-R, I have cash pots saved off about 45K, so then go decide how to fund the

1:23.3

next part of that journey. So I see my options as follows. Releasing

1:27.7

equity from my home. So my house is worth about 530k and I've got about 400k

1:33.4

sacked in the house. So I'll probably take out about 100 to 150k and depending on the

1:38.8

target property. This would affect me a cash buyer and see this as a real strong point,

1:43.1

for example going for unmochable properties, etc.

1:46.4

But the other bit I'm unsure about this is,

...

Transcript will be available on the free plan in 18 days. Upgrade to see the full transcript now.

Disclaimer: The podcast and artwork embedded on this page are from Rob Bence & Rob Dix, and are the property of its owner and not affiliated with or endorsed by Tapesearch.

Generated transcripts are the property of Rob Bence & Rob Dix and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.

Copyright © Tapesearch 2025.