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

Hey everyone, it's Ask Rob and Rob, the show where you get your questions in, predominantly property related.

Sometimes you go a little off piece, but we don't mind that. And we do our very, very best to give you a good answer in return.

We've done this over 500 times now, so we're well versed,

but luckily you always have a lot of questions, and we'll guide you now to the place you can go

to ask some more. Yep, it's just one destination, property hub.net slash ask. If you go there,

you can leave us a question in written form for our Sunday Times column, or you can get yourself on the show and be the envy of all your friends by leaving us a voice note. Okay, let's hear our first question.

Hi, Rob and Rob. It's Josh here from Suffolk. Thanks so much for all the free content you provided over the last couple of years. It's really helped me to understand the property market and build

my portfolio to what it is today. I currently have six properties all within a limited company

and it includes one holiday let and five bitter lets all following the BRR model. The average

loan to value of the portfolio is around 75%, which is spread across various lenders and has a

severe valuation of around 2.1 million.

I tend to use five-year fixed interest only mortgages, but due to the economic uncertainty,

I wondered if lenders could demand repayment of the total mortgage before the end of the term,

even if I haven't missed any payments. Additionally, if the property's value had fallen

since the original valuation, when you came payments. Additionally, if the property's value had fallen since the

original valuation, when you came to refinance, could the lender refuse to move me onto a new

mortgage product at the same LTV, or would they require me to top up the mortgage? I appreciate

with inflation and housing demand this is unlikely to happen, but wanted to map out the worst-case

scenarios due to the current

economic climate. Thanks so much for taking the time to answer my questions, and I look forward

to listening to many more of your podcasts. Hi, Josh, thanks for your question. Let's put your mind

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