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

Hey everyone, welcome to AskUp and Rob, the show where you give us your questions and we return with answers.

This show has been running a long time, probably for two reasons. One, we're consistently answering your questions and trying to be helpful, but two, we also make it really easy for you to get your questions in. So let's give you a quick reminder of how you can follow that easy process. So easy. All you've got to do is go to property hub.net slash ask. And once you're there, you can leave us a written question for the Sunday Times if you'd like to, or you can be our favourite person and leave us a voicemail so we can play out your question

right here on the podcast. Just like we're about to you now for Irfan. Good evening, Rob and

Rob. Hope you're well. I'm Irfan. I live in Sutton. Since past 10 years, I've been investing

into properties. All I've been doing is invest, invest, invest. My primary source of income is coming

from an IT company.

So what I've been doing is I was leaving on an average loan to value on each BTL mortgage

was about 50 to 55%.

So I'm up to that.

So I've got a good leverage on it.

But recently, what I did was I got this new build, ground up development.

I just thought to consider on

this side of things so everything is have started and the construction got started and everything

and at the time of remortgage of our existing one of our existing BDL mortgages I applied for

releasing the equity and I thought I could just raise some cash so that I can

adjust through it and then remortgage once the development is up. So the lenders, what they

have been doing is like, you know, they ran the affordability test despite leaving 75% of the loan

value, which should be fair as opposed to the general belief. Everybody saying that, you know,

BTL, when it comes to BTL, they don't care about your affiduity or income.

Generally, they care about income and everything.

But still, they did affordability test.

...