ASK499: Should I pay off my mortgages? PLUS: Should I re-buy in a limited company?

The Property Podcast

Rob Bence & Rob Dix

Investing, Education, Business News, News, Business

4.8 • 2K Ratings

🗓️ 21 October 2025

⏱️ 12 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

It’s that time again! Let’s get into this week’s Ask Rob & Rob with two new great questions… (0:42) Claire has four properties in her portfolio and has just received a surprise inheritance large enough to clear all her mortgages. But should she use it to pay them off? And how can she make sure her portfolio stays protected and tax-efficient for her family’s future? (6:15) Danny owns two rental properties in his personal name that perform steadily but with modest returns. With a new limited company set up for his next investment, he's wondering, should he keep them or sell and reinvest through the company? Links: Watch our YouTube video “Accountant Explains How To Pay 0% Property Tax (Legally)” here. 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.
0:03.0	And I'm Rob.
0:04.0	And this is Ask Rob and Rob.
0:05.0	Hey everyone, welcome to Ask Rob and Rob, the show where you give us your questions.
0:10.0	And each week we come back at you with answers.
0:12.0	It's a simple format.
0:13.0	A format has worked so well that we've been going for nearly 500 episodes, so Rob, we can't stop now, can we?
0:20.0	Let's remind people how they can help us get another
0:23.1	500 episodes under our belt yeah thank goodness we haven't run out of questions on 499 that would be
0:27.9	awkward no but we would always welcome more so do send them in via property hub.net slash ask so simple
0:34.8	just go there you can leave a written question for the Sunday Times or our
0:38.1	favorite option. You can leave us a recording dead easy and get your voice on the show. And that is what Claire
0:43.0	has done. Hi, Rob and Rob. It's Claire here. I'm an avid listener and follower of all the generous
0:50.2	knowledge that you have been sharing through podcasts, articles and books.
0:54.6	Consequently, we are seven years along with our journey and have a portfolio of four
1:01.1	properties. Thanks to inflation, we have now 50-50 loan to value on our portfolio.
1:09.6	My question is, what would you advise me to do with a sooner than
1:14.6	expected inheritance? The inheritance would totally clear our mortgages. Would you advise me to
1:22.2	pay them off? Initially, we had thought that our properties would double in value and we would be able to
1:29.8	sell to in order to pay off to.
1:33.1	But because of this sudden bereavement and consequential inheritance, I'm not sure of the
1:39.1	best way to move forward.
	...

Please login to see the full transcript.

Previous episode | Next episode

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.