You've been listening to the podcast, keeping an eye on the market, maybe even running the numbers,

but are you actually ready to invest? Well, in just two minutes, you can have your answer,

because we've created a free quick quiz to help you discover exactly where you stand. And the best part

is, not only will you receive your readiness score, but we'll also send you a free

personalized guide packed with tools and advice to

help you move forward with confidence. So don't keep wondering. Take the quiz now at

Property Hub.net slash quiz. Hi, I'm Rob. And I'm Rob. And this is Ask Rob and Rob and Rob.

Hey, everybody. Welcome to Ask Rob and Rob, the show where we take your wonderful questions

and we give you some answers in return. We do this here on the podcast each and every week,

every Tuesday, but we also answer your questions in the Sunday times. Yes, you've guessed it

on Sunday. Now, if you'd like to get your question here or in the Sunday Times, we have a very

simple process for you to follow. Rob, would you like to share? Of course, all you've got to do is go to property hub.net slash ask. That is where you can leave us a written question for the Sunday Times or, if you want to be our favourite, leave us a voicemail so we can answer your question right here on the show. That's what we're about to do for Danny. Hi, Rob and Rob. It's Danny from

Northern Ireland here. My wife and I have embarked on our property journey at the start of 2025 using capital release from our residential home to fund purchases of BTL properties through a limited company. With no real experience before starting out, the information from your podcast, YouTube and website content have been invaluable, so thank you very much. My question today is on mortgage fees, as these don't seem to

be referenced offerings by content breaking down the leveraged finance approach, yet the fees are

often pretty substantial, anywhere from 4 to 6K for every mortgage and future remortgage. Should we be

paying these up front or adding them to the value of the loan? If the latter, surely this increases the overall mortgage loan substantially over the long term. Any advice would be much appreciated? Thanks again.

Danny, thank you for the question and I'm glad you found everything that we do here useful and congratulations on all the progress you've made so far.

So this is a question that comes up from time to time. And the answer is pretty simple. They're

actually two correct answers. Both options are right or both options are wrong, depending on what

it is that you want to achieve. So mathematically, the best thing to do is pay the mortgage fee up front.

Because quite simply, if you're taking a £5,000 mortgage fee, let's say, and you're adding that to the loan

and the interest that you're paying on the whole balance is 5%, then that's costing you £250 a year

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