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Explore "mortgage rates" with insightful episodes like "951: BiggerNews: Why Low Mortgage Rates Can't Solve Our Affordability Crisis w/Andy Walden", "TPP582: Market Update - May 2024", "915: BiggerNews: Why Mortgage Rates AREN’T Falling w/Caeli Ridge", "ASK417: What shall I do with this equity? PLUS: Am I crazy to apply again?" and "900: The Truth About Real Estate Investing in 2024 (What Investors NEED to Know) w/Brian Burke, J Scott, and Scott Trench" from podcasts like ""BiggerPockets Real Estate Podcast", "The Property Podcast", "BiggerPockets Real Estate Podcast", "The Property Podcast" and "BiggerPockets Real Estate Podcast"" and more!
Episodes (99)
TPP582: Market Update - May 2024
It’s the most talked-about topic in the property world right now: the Renters Reform Bill. After finally making its way through the House of Commons, the bill seems close to being passed – but what does this mean for property investors? We also look at an unexpected move for house prices, talk about the latest Bank of England moves, and find a surprise lurking in the rental data.
- (0:35) Renters reform bill - the facts and our opinions
- (9:35) A house price surprise
- (13:30) Let’s look at mortgage rates
- (17:28) What’s the latest data on rents?
- (20:02) Hub Extra
Links mentioned:
House prices:
Mortgages:
Rents:
Hub Extra:
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915: BiggerNews: Why Mortgage Rates AREN’T Falling w/Caeli Ridge
ASK417: What shall I do with this equity? PLUS: Am I crazy to apply again?
Join us for this week’s Ask Rob & Rob as they answer two more listener questions…
- (0:49) Sally has accumulated a good amount of equity in her buy-to-let property. With the mortgage due for renewal next year, she seeks some advice from Rob & Rob on the various options she can explore.
- (4:16) Josh’s mortgage application has been declined due to the property being above a commercial unit. He’s cautiously considering other options available to him and turns to Rob & Rob for their thoughts on the situation.
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- Send us your question by calling us on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply) or click here to leave a recording via your computer instead.
- Find out more about Property Hub Invest
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900: The Truth About Real Estate Investing in 2024 (What Investors NEED to Know) w/Brian Burke, J Scott, and Scott Trench
The UK is in recession but does that matter (and could things be about to get better)?
The ONS revealed this week that a drop in GDP in the final three months of 2023 meant that Britain had racked up two consecutive of negative growth - and thus the dreaded R word is here.
But is this a bad one, why does the term 'technical recession' keep being bandied about and do these backward-looking figures mask things already getting better?
On this week's podcast, Georgie Frost, Helen Crane and Simon Lambert look at what recession means for the UK and you.
Plus, who are the villains among big banks and building societies when it comes to sky-high standard variable rates for mortgage borrowers and is it them or the customers themselves to blame if somone ends up paying almost 10 per cent interest?
Also on the show, the customer turned down for a switching bonus by HSBC because they had a Midland account 21 years ago.
And finally, electric car sales aren't growing as fast as the government or car makers want. Does that mean it's time to drive a bargain?
885: BiggerNews: America's Path to "Renter Nation" as Prices Rise, Rates Stay Put w/J Scott
Why It’s So Hard to Buy a House Right Now—and Why It Might Get Better Soon
What can we learn from the year's most popular econ terms?
Today, Investopedia's editor-in-chief — and a poet — help us make sense of what the website's top ten terms of the year tell us about our collective economic psyche.
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How much will frozen income tax bands suck out of your pay packet?
One thing we know won’t be affected by the latest figure is income tax bands. Just how much is the big freeze – AKA fiscal drag - going to cost us?
And it was looking promising. But this latest inflation figures might have thrown a bit of spanner into the works.
What’s going on at Royal Mail? Some households say they are only receiving their post once a week.
Hospital appointment letters, birthday cards, parcels and important bills have all gone missing in delays caused by a staffing crisis.
In Brighton, households say they’re receiving mail as infrequently as just once a fortnight.
So how do you pick a good ‘un? And just what is gazundering – and why is it back with a vengeance?
The new Tesla Model 3 arrives on our fair shores in January - but how much will it cost and is it any good?
And…range anxiety is real - so would you take an EV on a continental road trip?
Paul Barker, motoring journalist of decades, gave it a go and diarised it for you...
This Is What an 8% Mortgage Means For the Housing Market
Mortgage rates have surged over the last couple of years. But surprisingly to some, actual home prices in the US have been resilient. This has created a historic shock to affordability, with a typical monthly payment on a home purchase soaring. But how long can this go on? Particularly as rates continue to rise, with a 30-year fixed rate mortgage near 8% now, we speak with Morgan Stanley housing strategist, and past Odd Lots guest, Jim Egan, about the impact of this rate environment. He explains why we may be at the limit to how far house prices can rise, and why at this point, the key variable is whether more supply comes onto the market.
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ASK400: Time for a new strategy? PLUS: Do I need a special mortgage?
It’s the 400th edition of Ask Rob & Rob!
- (0:44) Marcus is looking to expand his portfolio and he’s wondering if it’s time to move away from his usual strategy of buying desirable properties in desirable areas. He usually focuses on these properties as he knows they’re good for capital growth, but whilst rates are high, he could be making a loss. So, is it time to switch us his strategy?
- (3:54) Harry is working in London and he’s looking to buy a property in a few years. He’s wondering, if he lives in the property and rents out one of the rooms, will he need a buy-to-let mortgage or a residential mortgage?
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 by calling us on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply) or click here to leave a recording via your computer instead.
See omnystudio.com/listener for privacy information.
Could the most hated tax in Britain be axed?
You could be forgiven for thinking inheritance tax is something only the super-rich need to worry about.
But thanks to rising house prices and an increasing desire to transfer wealth between generations, more and more people are being drawn into the net.
It happens not only when someone is left property or other assets from someone's estate, but also when they accept a gift from someone who passes away before the 'seven year rule' tax exemption kicks in.
The IFS says that that four per cent could become 12 per cent within a decade.
And many of those who will never pay inheritance tax still hate the idea that the Government is taking a big cut of the wealth people have worked hard to build up over their lifetime.
So it might come as welcome news that Rishi Sunak is reported to be considering cutting the tax, or even scrapping it altogether, as a potential vote-winner ahead of the next election.
What’s wrong with inheritance tax, how could it be made fairer - and could the Government really just get rid of it? Simon Lambert, Helen Crane and Georgie Frost discuss.
That’s not the only plan the Government is said to be hatching for our finances.
It’s also reported that Chancellor Jeremy Hunt wants to increase the £20,000 annual allowance for saving into an Isa - but only for those who use it to invest money into companies listed on the ailing London Stock Exchange.
The team consider what puts people off stocks and shares Isas, whether the rules are too restrictive for the way we manage our money today, and whether encouraging people to pour money into a market which has had a bit of a tough time of late is a good idea.
Plus, it’s a year since the disastrous mini-Budget which rocked the mortgage market.
With a raft of reductions from big lenders this week, could rates on home loans finally be turning a corner now the base rate has been put on ice?
And finally, we discuss whether the time might finally have come to commit to a fixed rate on your energy bills.
TPP550: Is now the time to invest in London?
Is now the time to invest in London property? If we had a quid for every time someone asked us this, we’d be pretty well off.
In today’s episode, Rob & Rob are delving into that very question.
- (0:52) News story of the week
- (4:56) Share your thoughts
- (5:34) Is now the time to buy in London?
- (6:17) Diving into the data
- (13:20) So, is now the time to buy?
- (13:41) When will it be the time to buy in London?
- (18:58) Hub Extra
Links mentioned:
- UK interest rate freeze ends run of 14 straight increases
- Rishi Sunak scraps home energy efficiency taskforce
- Chart 1
- Chart 2
- Chart 3
- Hub Extra: Urban
Enjoy the show?
- Leave us a review on Apple Podcasts - it really helps others find us!
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Have interest rates peaked and what next for savings and mortgages?
A lower than expected inflation number and slew of economic reports indicating the heat was being taken out of the economy were credited with staying the Monetary Policy Committee's hand.
So, will 5.25 per cent now be the peak for base rate or could rates once again start to head higher from here?
And what does the Bank of England's decision to pause mean for savings rates and mortgage rates?
On this week, Georgie Frost, Lee Boyce and Simon Lambert discuss why interest rates were held, what nudged inflation down, what could happen next and what all this means for savers, borrowers and investors.
Plus, what does the government rowing back on Net Zero plans mean for electric cars, EPCs and how we heat our homes.
And finally, if your neighbours can seen into your garden and you don't like it, can you just stick up a very tall fence or do you need planning permission (and risk triggering a neighbourly battle)?
Morning briefing Friday 22nd September
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Redfin On The Attack
When mortgage rates are too low to give up
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Record Breaker Rishi, Money Mayhem – Plus, Boring Belgium Blasted
TPP543: August Market Update
What’s going on with the property market right now? Well, it depends on where you look, the market certainly isn’t a uniform one right now, so join us as we try to make sense of what’s going on.
- (1:50) What’s the latest with house prices?
- (7:27) Mortgages update
- (10:38) Rental competition is still on the rise
- (13:48) What about property and politics?
- (18:50) Hub Extra
Links mentioned
- Rics - UK Residential Market Survey
- Nationwide house price index
- Halifax house price index
- Money and Credit - June 2023
- The Mortgage Works cuts selected rates 0.95%
- Renters compete with 20 others in battle to find a home
- The price to rent a Manchester city centre apartment is rising faster than anywhere outside London... but why?
- Airbnb Regulation - councils should control short lets, agents tell government
- Long-term plan for housing
- Tripling of fines for those supporting illegal migrants
- YouTube video: The silent property crash of 2023
- Podcast episode: The silent property crash
- Hub Extra: Red Notice
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
See omnystudio.com/listener for privacy information.