Interest Rates for Mortgages Are Changing

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Interest Rates for Mortgages Are Changing! In this video Samuel sits down with Andrew Clothier for their yearly update on the property market.
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[@LucasBenjamin-hv7sk]

Mortgage rates are currently at an all time high since 2000(23 years) and based on statistics on inflation, we might see that number skyrocket further, a 30-year fixed rate was only 5% this time last year, so do I just keep waiting for a housing crash before buying or redirect my focus to the equity market.

[@CharlesArthur-fq5sx]

The stock market is no different, to maintain profit, you need to have some in-depth knowledge on the market.

[@Franklin-gq4si]

True, I mostly just buy and hold stocks, but my portfolio has been mostly in the red for quite awhile now. Unfortunately to be able to make good gains, you’ll need to be consistent and restructure your portfolio frequently.

[@williamDonaldson432]

In my opinion, it was much easier investing back in the 60s but it’s a lot trickier now, those making consistent profit in these times are professionals reason I’ve been using an advisor for the past 5 years to consistently build my portfolio in preparations for retirement.

[@foreverlaura-fq4eu]

@@williamDonaldson432 my partner’s been considering going the same route, could you share more info please on the advisor that guides you.

[@williamDonaldson432]

I won't pretend to know everything, though. Her name is Annette Marie Holt but I won't say anything more. Most likely, you can find her basic information online; you are welcome to do further study.

[@GibsonJames-gr3on]

I have been thinking about fixed- rate mortgages and the stability they provide on monthly payments

[@JasonAmir-qo4uo]

That's a good way to save thousands in the long run. But you will miss out on potential savings if interest dropped

[@TheDuke792]

Depends on how long you plan on staying in the house, if it's long term a fixed mortgage is a good bet

[@TheDuke792]

But don't forget about the higher upfront costs associated with fixed rate mortgages

[@John-ww2fv]

I plan on hiring a financial advisor to assess my overall financial situation to find the perfect mortgage fit for me

[@OwenFlex]

I have thought about that too, I just haven't had the chance to find one

[@stephen6262]

Sam great interview More please

[@davidhartmann2717]

Great vid!

[@tamakalokalo95]

Amazing video indeed!! Property language is a different ball game!!

[@user-lp5vk8sn3k]

Big House prices in good areas are near 1 million or more in most cities nowadays bloody ridiculous

[@kylejames5121]

Great content Samuel 👊🏼

[@Paulsmithwarriorproperites]

Fantastic interview packed full of extremely useful information, thank you Samuel it's much appreciated 😊

[@Mind__Fuel91]

So, what's the interest only rate we should be using when doing our DD for BRRs?

[@Mind__Fuel91]

I know all lenders will be different but what's like a rule of thumb?

[@StayOldskool]

12ex-p+12

[@harvey9276]

@@StayOldskoolwhat does that mean?

[@Mind__Fuel91]

@@harvey9276 I was thinking the same thing... 🤷‍♂️

[@DeanW-1990]

This was amazing well done Sam ! Watched it twice all the way through already 👏

[@SamuelLeeds]

Glad you enjoyed it!

[@fishoverdrivedfirst]

Another very useful video, keep it coming Mr Leeds 👍🏾

[@outere2044]

Great video , i am currently doing a refinance from a bridge to buy to let . My rent was £1200 the valuer has put it at £995. Leaves me enough anyway to refurb my next project whats a flip and build my capital back abit. I will come back to that previous one after the 5 year fix. Liam

[@ratsliveonnoevilstar1]

Just migrate the direct debits yourself

[@nabazhamad5988]

❤

[@svetlanacarter1303]

PLEASE TALK ABOUT TRUSTS, and how to avoid inheritance tax legally through trust, thank you

[@ExoticDoll-ct3ud]

"Hybrid" i like that term. Hybrid finances/ mortgages are the future.

[@namataishingaiagyekum7502]

These lenders are very narrow-minded 😢

[@paulntalo1425]

Wow that's amazing news 🗞️ and Insights. Thank you S Leeds

[@user-dm7nq7md4b]

This broker talks in riddles.

[@adida.sativa-dv2el]

Inflation will continue so house prices will rise but interest rates will not drop

[@Sil-sk2sf]

Agreed. This is the mentality of people who have never experienced inflation or an economic crisis. They can not even fathom that it will ever happen. With labour in power and all of Europe going lefty, I doubt interest rates will drop.

[@user-oe8mn9eb5d]

You think interest rates are driving up house prices?

[@BobBuilder-mq9wr]

​@@user-oe8mn9eb5d1.3million people a year are driving up house prices

[@leemarsden1846]

Wrong

[@davidcobb77]

Private landlords need to run for the hills under Labour. And good riddance.

[@ratsliveonnoevilstar1]

New Labour ain’t Jezza Corbyn.

[@BobBuilder-mq9wr]

Well it should be capped how many a person can have , as we have a major housing crisis and that should be taken seriously for once

[@zak5498]

@@BobBuilder-mq9wrcapitalism vs communism

[@mymanifesting]

I can see why you'd think that. However, as we have a housing crisis, they simply can't afford to let too many landlords vacating the market. 1.5m house vuilding ambition is already behind and simply won't stack up by the time Labour has finished its term.

[@user-lp5vk8sn3k]

Interest rates will not drop, 6-7% rate is normal, rates have been very low it’s not normal

[@user-pp5lv6dl2k]

They will because people can’t afford it because house prices are too high

[@tomchloe3208]

2:47 how the hell do you expect the lender to know what the rental income would look like at homes on a given street? What a stupid question. Why do you think they instruct qualified surveyors…this old chap isn’t providing any new or interesting information here

[@ratsliveonnoevilstar1]

He’s spinning a good yarn for the channel though ennit

[@Markscott412]

Mortgage rates are currently at an all time high since 2000(23 years) and based on statistics on inflation, we might see that number skyrocket further, a 30-year fixed rate was only 5% this time last year, so do I just keep waiting for a housing crash before buying or redirect my focus to the equity market.

[@Williamjame444]

The stock market is no different, to maintain profit, you need to have some in-depth knowledge on the market.

[@vivianlucy141]

True, I mostly just buy and hold stocks, but my portfolio has been mostly in the red for quite awhile now. Unfortunately to be able to make good gains, you’ll need to be consistent and restructure your portfolio frequently.

[@jackwillison177]

In my opinion, it was much easier investing back in the 60s but it’s a lot trickier now, those making consistent profit in these times are professionals reason I’ve been using an advisor for the past 5 years to consistently build my portfolio in preparations for retirement.

[@MizThe]

my partner’s been considering going the same route, could you share more info please on the advisor that guides you.

[@jackwillison177]

Melissa Elise Robinson is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.