Hi, I'm Rob.

And I'm Rob.

And this is Ask Rob and Rob.

Hey everyone, welcome to Ask Robb, Rob, the show where you give us your questions most

at a time, property related, and we do our very best to answer them well.

Let's do that again this week.

But before we do, let's give you a very very quick reminder of how

you can get your question onto the show yes you just have to go to property hub dot net slash ask

it really is that simple that one link will let you submit a written question for our sunday times

column or you can get your beautiful voice on the podcast by leaving us a voice mail we love it when

people do that and the first person who's done that today is Amy. Hi, Rob and Rob. Amy here. I'm just looking at your most recent newsletter, which is talking

about how 59% of bi-telet purchases last year didn't use a mortgage. The newsletter is obviously

talking about whether or not property without leverage is even worth

it. And I just wanted to pick your brains really on what your thoughts are on having in a property

portfolio, one or two properties which are without a mortgage and having the other ones

obviously mortgaged. I've got a small portfolio and I'm looking currently at

paying down on just one of the buy-to-let properties, the one with the highest interest rate, which at the

moment is 5.4%. So that's making quite a big dent at the moment for me. And I wonder what your

thoughts were on this. I can make capital

overpayments of 10% every year without charges. So my initial plan for this one property

was to every year pay that down so that I've got one property less in my portfolio where I have

to go through the time-consuming task of obviously working with my mortgage broker

...