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

Welcome to Ask Rob and Rob, a show we've been doing for a long, long time now where you ask us questions and we give you answers. It's simple, it works and it works because you send in lovely questions. So we'll be hearing from Emma and James in a minute, but first, here's a

reminder of how you can follow in their footsteps. It's super simple. You head over to

property hub.net forward slash ask. And there you can get your question in in a variety of

ways. You can leave us a voicemail. You can leave a computer recording. You can even write in

and maybe see your question in the Sunday Times.

We do not mind at all as long as you keep doing it. Unfortunately, nearly 500 episodes in,

you have. And this week our first question comes in from James.

Hi, Rob and Rob. Is James here in Kent? Thanks for all the great content over the years.

My question is about remortgage product transfers.

I have three bi-telect properties all in the midst of a product transfer.

The first one has already completed.

The second one is due to transfer on the 1st of November,

and the third one is due to transfer at the end of the year.

The Chancellor has announced that her autumn statement will transfer at the end of the year. The Chancellor has announced that her

autumn statement will be towards the end of November. Do you think it would be worth me delaying the

product transfer from the 1st of November to the 1st of December, that way having time to consider

the Chancellor's tax changes? And if it is truly unpalatable for me to keep the

property, then I would have the opportunity to cancel that transfer and sell the property. What do you

think? James, thank you for your question. I think this is fairly simple. It will depend on how

you invest. If you are investing as a legacy landlord, and that's basically

landlords who invest in their own name or have invested in their own name, then you may want to

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