I wish you could do a video above Hyalite mortgage. Your videos are really helpful. Thank you.
@blueybarnes94423 сағат бұрын
Is Santander lowering rates ? Great Video Thanks 🙏
@nabazhamad59883 сағат бұрын
❤
@Andrew-M.Morris3 сағат бұрын
Where are you getting these rates? I have checked comparison websites and gone direct to the banks mentioned with a 60% LTV on a 5 year fixed I see nothing below 4%. I am currently applying for a 5 year fixed with 80% equity (so a very good position) and the best rate is 4.16% no fee with £150 cashback. Cheers
@mattanderson66724 сағат бұрын
Thank you Sir
@propertyaccelerator4 сағат бұрын
Most welcome
@505fatty4 сағат бұрын
I wish Paragon would reduce their rates.
@propertyaccelerator4 сағат бұрын
Yeah they dont tend to that quickly as they are a specialist lender. They dont have much competition unlike residential market.
@stevewatt94774 сағат бұрын
Product fees/arrangement fees only allowable as a 20% tax credit for individual landlords.
@propertyaccelerator4 сағат бұрын
👍
@paulcoates38604 сағат бұрын
❤❤ great video again, TMW ! 👍🏻
@propertyaccelerator4 сағат бұрын
Thank you 🤗
@drewhodge38205 сағат бұрын
I will wait until you do a video in the arranged fees for each of these deals, before I take the leap.
@propertyaccelerator4 сағат бұрын
I do those videos about every two weeks
@drewhodge38203 сағат бұрын
I never miss them. Keep up the great work. I honestly think your channel is the most informative regarding mortgage rates. Which is why I always try to make a comment to support your channel. Even if they might come across as a bit grumpy. 😊
@Nora.........3 сағат бұрын
@@drewhodge3820 Points. . . well made.
@scotsman100005 сағат бұрын
What did you use for deferment value in your negotiations? 5%? I hope that doesn't change as any drops start to cancel out the benefits of abolishing marriage value, and makes it more expensive for people over 80 years. At 3.5% it pretty much cancels everything out.
@propertyaccelerator4 сағат бұрын
I did not make it that complicated, I said I have £13,750 which would include all solicitors costs. We can use whatever solicitor you want to save costs and you get the balance. To extend without any informal agreement would have been over £22,000. I said you know I will just wait so you have the option of the money now. Not every freeholder would go for that but they wanted 12k in their pocket this year.
@ashleymarden69276 сағат бұрын
James- don5 forget to highlight the fees- jus5 a mention please- I’ve got 2 properties ripe for remortgages. 3% is a non starter- it’s all factored in anyway. The world wide slowdown ( because China is leading the way) is a big possibility- then yer rates are on the floor again, but I like a lot of folks don’t have a choice, I’ve got the bank’s foot on my neck- so I got to sign up to something very soon.
@propertyaccelerator4 сағат бұрын
I do on my more detailed videos, the point of this is to give people a list of lenders to check. I agree China could cause deflation which wont be good.
@andrewwanless92886 сағат бұрын
Wish Santander would start reducing rates. I have to stick with them and mortgage due for renewal in February next year.
@paulcoates38605 сағат бұрын
I'd ditch them they have at least 150 ccj against them, loosing money etc . Haven't a clue, paid a loan off n 6trs later said I still owe 8k, I kept letter, then they did it again , avoid
@andrewwanless92885 сағат бұрын
I can’t ditch them. I’m stuck with them as I’m not a Uk resident so no other lender will give me a re mortgage.
@propertyaccelerator4 сағат бұрын
They have been cutting but maybe not as fast as others.
@andrewwanless92884 сағат бұрын
I’ll keep watching your videos. Great work. Thank you.
@DC-uf6ve6 сағат бұрын
This is good timing for my Nov remortgage
@propertyaccelerator4 сағат бұрын
🙏
@afzalgori99136 сағат бұрын
Lloyds-TSB got divorced in September 2013 so they both are separate businesses 😂
@propertyaccelerator4 сағат бұрын
Correct
@trishatrisha64516 сағат бұрын
What’s Skipton’s fee with the rate that you discussed?
@propertyaccelerator4 сағат бұрын
They did not say in the press release I would check their site when updated with new rates tomorrow.
@fje19486 сағат бұрын
Tooooo… late 😢
@propertyaccelerator4 сағат бұрын
☹
@1987LOZ19876 сағат бұрын
Looking for a remortgage @ 60% LTV JBSP friendly. Any recommendations?
@DC-uf6ve6 сағат бұрын
Go to a broker and choose the cheapest 😂
@propertyaccelerator4 сағат бұрын
I would always go to a broker as they can get deals you cant find online.
@1987LOZ19873 сағат бұрын
Already have a broker who looked at rates 4 days ago. Went with a no ERC BRT last year as was cheaper than fixing. Market seems to be moving so frequently I was wondering if there was a recommendation rather than contacting the adviser again 👍
@ratsliveonnoevilstar16 сағат бұрын
I’m almost believing we’re going to be at 2.5 soon
@DC-uf6ve6 сағат бұрын
I'd be surprised if it got that low in the next five years
@ratsliveonnoevilstar16 сағат бұрын
@@DC-uf6ve yeh. I don’t think that quick but the reality is we are a debt based economy. Interest rates at their current levels are crippling. 3.5% would be a manageable point from which businesses and borrowers have been stressed tested to previously.
@Bubbles774184 сағат бұрын
🤣🤣 and pigs might fly!
@ratsliveonnoevilstar14 сағат бұрын
@@Bubbles77418 they do, I’ve seen em so I ‘ave
@propertyaccelerator4 сағат бұрын
Hope so.
@ratsliveonnoevilstar17 сағат бұрын
Winner winner chicken dinner..I’ll be happy when it’s 3.5% with 25% deposit 😊
@paulcoates38604 сағат бұрын
Winning , ! Like Charlie sheen😂
@propertyaccelerator4 сағат бұрын
🙏
@Nizam-pb5kp7 сағат бұрын
Confused on the 2 year vs 5 year deal 👀
@propertyaccelerator4 сағат бұрын
Better deals are for 5 years as they want to tie you in longer.
@propertyaccelerator8 сағат бұрын
Read MORE about it here: property-accelerator.co.uk/lender-slashes-interest-rates-below-3-49-today/
@mokhot10 сағат бұрын
Are landlords really selling or is it scare mongering. Tomorrows episode will be ‘house Prices shooting up !!!’😂
@propertyaccelerator4 сағат бұрын
Loads of news about this www.landlordtoday.co.uk/breaking-news/2024/8/landlords-flee-rental-sector-after-attacks-and-excessive-taxation
@hawkxxl11 сағат бұрын
Only you taxes and national debet
@propertyaccelerator4 сағат бұрын
👍
@imrang605511 сағат бұрын
We need at least a 40% Price crash to adjust with Salaries House prices are in a Massive Bubble
@propertyaccelerator4 сағат бұрын
👍
@ClarenceChristmasСағат бұрын
That would make so many people homeless through repossession or else sitting on huge debts for years. Much better if salaries go up and mortgage affordability increases to realistic levels.
@avishekghose329913 сағат бұрын
Any update to the 90% LTV rates?
@propertyaccelerator12 сағат бұрын
Yes I do in this video kzbin.info/www/bejne/jaPbi2avnsaVaK8si=6HryPANzXE1nZ33g
@andrewwanless928819 сағат бұрын
Can I offset any mortgage renewal fees (for example the £2195 etc), be shown as an expense? I’m not a limited company.
@1987LOZ198717 сағат бұрын
As a BTL it can usually be included in the finance cost box on a tax return. This is for standard rate tax payers. It's usually found just after the expense section.
@propertyaccelerator14 сағат бұрын
Yes but speak to an accountant.
@AgentGreyFox19 сағат бұрын
Very high fees though!
@propertyaccelerator14 сағат бұрын
Fees have been high the last 12 months, but they are improving.
@user-nq2th7zw2b19 сағат бұрын
So i have fell in to debate with my lanlord from the day i moved in the was problem's with benfits an yhe reson was that the council thought i was working an never paid my rent no one told me this till a few months later then my landlord said you o us thousends they have made my life terrble . I bean to court . Paid them god knows how much it never seemes to go down . I eventually proved to the council that i was not workin an they give a bit of money back . But my landlord as just sent me a other court date. So now can i use this information to show this is not my falt so there no grounds for eviction??
@propertyaccelerator14 сағат бұрын
Its not law yet but will be next year. 100% study it as it will help you in future for sure.
@luke62k9319 сағат бұрын
The fed will drop 0.5% in September and UK will drop again 0.25%
@propertyaccelerator14 сағат бұрын
I hope so.
@avishekghose329920 сағат бұрын
Any update on 90% LTV deals?
@lhefe8520 сағат бұрын
yep, that's a big one for first time buyers etc
@propertyaccelerator14 сағат бұрын
Yes I share some 90% deals in this video - kzbin.info/www/bejne/jaPbi2avnsaVaK8si=-pIFq8FHsrV_RpY1
@EduSena-j5y20 сағат бұрын
Be careful with the mortgage products, I have recently sold my property and just the fees and early termination was just over £10k. Meaning, all I paid over the past 4 years went down the drain.
@propertyaccelerator14 сағат бұрын
Always important to know all the fees I agree.
@mattanderson6672Күн бұрын
Thank you Sir
@propertyaccelerator14 сағат бұрын
Most welcome
@mattanderson6672Күн бұрын
Thank you Sir
@propertyaccelerator14 сағат бұрын
All the best
@drewhodge3820Күн бұрын
Great MSM headline rates but fees on the "so called best mortgage rates deals" are still too high to be attractive.
@propertyaccelerator14 сағат бұрын
👍
@paulcoates3860Күн бұрын
❤👍🏻, virgin for me !, avoid communist bank HSBC, they screw you later, took them to court, won, so out of spite, de banked me, 😂 so what I pre emped a communist response , n moved all my DD yo Halifax 1st, never trust communists or socialist Goverments , 😂😂
@propertyaccelerator14 сағат бұрын
😂
@talk2s5061XКүн бұрын
Hey James where do you think the rates will be end of next year? Love the content bud ❤ better than the fair mongering by some ppl 😂
@propertyaccelerator14 сағат бұрын
I think 3.5% unless USA goes into massive recession, if that happens then 2.5%
@priiyoo13 сағат бұрын
@@propertyacceleratorbase rate 2.5 percent you believe or rates we customers pay
@nickharding1545Күн бұрын
HOT SPOT - FARDON in Chester
@propertyaccelerator14 сағат бұрын
Thanks will check it out.
@mohammeduddin219Күн бұрын
Great video. Quick question. I'm with Barclays, and eligible to switch now. My deal finishes on Jan 25. Is it worth securing now or waiting till end of Jan. Thanks
@paulcoates3860Күн бұрын
I'd hang on till Nov, fed will drop n trump then us, just my opinion, James is great
@1987LOZ198717 сағат бұрын
No harm in putting an app in now and if rates drop re-applying?
@propertyaccelerator14 сағат бұрын
You can secure now and if the rate improves before Jan swap onto that. Double check with them you can do that but most lenders allow it. This allows you to lock in the worst rate option and if rates improve you can swap. But if they go up you wont be impacted.
@mohammeduddin21913 сағат бұрын
@@propertyaccelerator Thank you for the reply. I will check with them.
@Nora.........Күн бұрын
Just shows how much power we have. Wait. . . until they know. . . . who is boss. X
@propertyaccelerator14 сағат бұрын
🙏
@fje1948Күн бұрын
Sadly too late for me…. Thank you for your efforts, much appreciated.
@propertyaccelerator14 сағат бұрын
Its ok next time you renew it will be cheaper. Its very hard to time the market, I am sure you got a better rate than you would have this time last year.
@nabazhamad5988Күн бұрын
❤
@propertyaccelerator14 сағат бұрын
❤
@GizmoMaxxКүн бұрын
They should all drop to 50% at least.
@propertyaccelerator14 сағат бұрын
They wont.
@Ozman6767 сағат бұрын
@@propertyacceleratorYou watch 🙂
@lisaboard75286 сағат бұрын
Stupid comment
@propertyacceleratorКүн бұрын
Read MORE about it on our blog: property-accelerator.co.uk/nationwide-hsbc-lower-mortgage-rates/
@MicheleMeredith-tg4ziКүн бұрын
Hell no 👎 iv got a right to own land and a house
@propertyacceleratorКүн бұрын
👍
@DavidJames-ms6rtКүн бұрын
I wouldn't worry to much James or most of your posters on here for the next few months.......but you should be shitting your pants come 2025 when the things really turn BAD!!! Probably 50% of the House Buying demographic are financially fried even though both are still in a job. Normalcy bias is going to be the curse of humanity, as so few people are unwilling or just don't have the nous to face what is happening and look at the real data. I don't see where all these new buyers are going to magically appear from, unless of course the government can magic them up, just like the false data they keep supplying every month!!
@propertyaccelerator14 сағат бұрын
👍
@anthonykeeley8271Күн бұрын
yer talk crap laddy
@propertyaccelerator14 сағат бұрын
Anthony watch the video and listen to what I am saying.
@jasonmayes3831Күн бұрын
I became a landlord 10 yrs ago. Started renting out my first house. 3 lots of tenants in that time which is pretty good going but every time one left the house needed a good week or 2 of hard graft. Carpets, decorating, cleaning etc. Tenants are rarely interested in looking after the property. The 2nd family i had were the worst, stolen goods in the garage, car windows being bricked on the drive back door smashed in drive..... I could go on. Sold up in 2022 and was getting 6.2% in an nsi account. Hoping interest rates stay around 5%, much more relaxing although not quite the same capital appreciation.
@propertyaccelerator14 сағат бұрын
🙏
@mitchfitzjohnКүн бұрын
Does this apply to council leaseholds ?
@propertyaccelerator14 сағат бұрын
We are waiting on confirmation but its implied it will be.
@mitchfitzjohnКүн бұрын
Does this apply to council lease flats?
@propertyaccelerator14 сағат бұрын
We are waiting on confirmation but its implied it will be.