ASK489: Which mortgage deal should I go with? PLUS: Do I need a new EPC?

The Property Podcast

Rob Bence & Rob Dix

Investing, Education, Business News, News, Business

4.8 • 2K Ratings

🗓️ 12 August 2025

⏱️ 9 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Welcome back to Ask Rob & Rob, where we help tackle your property questions. Let’s dive into the answers... (0:49) Dee’s been offered three mortgage deals with product fees of 5%, 3%, and 0% - but calculations suggest the highest fee might actually be the cheapest overall. Should Dee stick with his current lender’s options or shop around? (3:58) The EPC’s have expired on Ryan’s two properties. One letting agent says renew now, another says wait until a new tenancy. Who’s giving the correct advice? 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

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0:00.0	Hi, I'm Rob.
0:03.0	And I'm Rob.
0:04.0	And this is Ask Rob and Rob.
0:06.0	Yes, it is Ask Rob and Rob.
0:09.0	Welcome to the show where we answer two of your property questions every week without fail.
0:13.0	And the reason this works is because you send in really interesting questions.
0:16.0	And Rob, the way to do that is so, so easy.
0:19.0	It's so easy whether you want to leave a voicemail, you want to leave a recording via your computer,
0:25.0	or you want to get in touch to maybe see yourself in the Sunday Times,
0:28.5	where we answer your questions every week as well.
0:30.6	You can go to the one place.
0:32.2	It's property hub.net forward slash ask.
0:35.6	Go there, submit your question however you please. And from that, you may see
0:40.2	your question in the Sunday Times or hear yourself on the podcast. Okay, let's listen to our first
0:47.5	question, which is from Dee. Hi, Rob and Rob. My name is Dee. I have a question about
0:53.3	credit freeze. I'm looking at three options.
0:56.0	5% product fee, 3% and 0%. According to my calculation, 5% still works out to be cheaper than the rest.
1:08.0	If I add these to the loan, would they eat up my capital gains?
1:14.0	And all these are from my current lender. They gave me these options as I can switch to these
1:22.0	deals. Do I still consider or do I still shop around? But my mortgage broker told me these are the best in the market so far.
1:31.3	Thank you, Dee. I appreciate your question. They are some big meaty product fees, but I'm really
1:36.7	I'm pleased to hear that you have done a full calculation because some people would just be put off
	...

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