ASK511: Am I wrong to be scared? PLUS: Can this trick cut my tax bill?

The Property Podcast

Rob Bence & Rob Dix

News, Education, Business, Investing, Business News

4.8 • 2K Ratings

🗓️ 17 February 2026

⏱️ 9 minutes

🔗️ Recording | iTunes | RSS

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Summary

It's Tuesday, which means it's time for another Ask Rob & Rob! (0:45) AJ purchased his first two buy-to-lets using bridging finance and is now remortgaging onto longer-term deals. As part of the process, his lender required him to take independent legal advice – something he found surprisingly intimidating. He asks Rob & Rob whether it’s normal for these meetings to feel so daunting, or if it’s just him. (05:34) John bought a property for £60K, which is now worth £120K, with no mortgage attached. He wants to move it into a limited company to be more tax efficient. His estate agent suggested he sell it to himself at the original price to avoid capital gains, but his accountant has warned that HMRC may see this as tax avoidance. He asks Rob & Rob whether this strategy stacks up – or if it’s a red flag waiting to happen. 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.
0:03.6	And this is Ask Rob and Rob.
0:06.3	Hey, everyone.
0:07.2	Welcome to Ask Rob and Rob.
0:08.5	This show, where you get your wonderful questions in, we give you some heartfelt answers,
0:13.9	some answers with effort and care return to you for this wonderful format.
0:18.2	And this wonderful format has been going for a long time now.
0:38.3	So let's keep this show on the road. Let's get your questions in. Rob, can we get a quick reminder how our dear listeners can get their lovely questions onto the show? We sure can. All you've want to do is go to property hub.net slash ask. That's property hub.net slash ask. You can send us a written question for our 90 times column or our favorite option.
0:43.1	Send us a voicemail. Then we can answer you right here on this show. Right. Let's listen to our first question in from AJ. Hi, Rob and Rob. My name is AJ. I'm one of your very avid listeners.
0:50.3	Thank you so much for all the educative content you put in out there week on week.
0:55.4	Following your advice and following quite a lot of education that I've done myself,
0:59.9	I was able to take the plunge into the buy-to-let space last year, getting two properties.
1:05.5	Both of the properties were bought using the bridging loan,
1:08.5	and I've now come to remortgage.
1:10.6	Part of the requirements that the lender
1:12.3	wanted was for me to take independent financial advice with regards the mortgage and I found that
1:17.4	very scary and I had a meeting with the independent legal advisal and following all the risks
1:23.4	that were outlined and it was quite scary as my first experience I just wanted to know what it felt like for you as your first experience with independent legal advice.
1:33.3	I went ahead with getting the mortgage anyway, but I just wanted to see if this is something unique to me or if this is universal.
1:40.3	Thank you so much for all you do. Many regards.
1:43.3	AJ, you know, fear is a funny thing, right?
	...

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