The Property Den with Ken & Glen

"The Property Den with Ken and Glen" Hello again dedicated property enthusiasts! An earlier than normal Episode of the show, we all know that the mortgage market is a dynamic landscape, forever shifting and evolving. But what does the future hold with all the recent changes we are witnessing. Buckle up as we take you through our final episode of series 2. Market update: The New Labour Government and what does it mean for the property market? Labour is offering an Olive branch to the mortgage market, how does this look, and will they deliver on their Manifesto promises? Lenders spotlight: Accord – Cascade scoring Helping serve not only Vanilla clients but those whose credit score may not be exactly where most high street lenders want them to be. We then move swiftly into the Q&A section of the show. I have owned a property before and sold it 5 years ago when I split with my Ex-partner. I’m now renting but am I now classed as a first-time buyer?  I’ve inherited some money from my late aunt which I want to use to buy my first home as a deposit. I have no idea where to start through? If there anything you can suggest helping me get started?  Do I physically need to clear my credit cards on my mortgage application? Do banks want to see the proof it’s gone? Looking at buying an investment but the property is pretty run down and need a total refurb, it does however have a working kitchen and bathroom, I understand that’s the main priority for the lender, could I get a mortgage on this? Hi Guys, I have just accepted a new job, this will give me more income jumping from 38k a year to 43k is there any way I can use this income even though I don’t start till September?  I have recently taken a 5 year fixed rate with my current lender, I have seen a house that has come to market close to a school where I want my son to go, if I sell and then buy this new home is there a way to not have to pay my early penalty fee? Thank you for all your support during the first 2 series of the show, we are on a break and will look to return in the Autumn.  For now,  “it’s Goodbye from Ken & it’s Goodbye from Glen”  “Goodbye” !!

Greetings, property enthusiasts! It's time for another riveting episode of The Property Den with Ken & Glen. We are getting you prepped to start a new month with more insightful ramblings from two experienced Mortgage brokers and Portfolio landlords. What should you expect from this episode: Market Insights: Glen calls it on the recent Base rate decision whilst ken is still optimistic that the next MPC meeting will see the rate cut we are all waiting for. We have begun to see the domino effect of some lenders cutting rates which is good news for everyone, we discuss this along with the uptake we are seeing in Conditional selling from estate agents. This weeks Lender’s spotlight is NatWest. NatWest the high street bank have introduced Its new maximum loan-to-value rates for new build properties. Kudos to Natwest and Lloyd Cochrane and welcome to the Hall of fame appearing on the lenders spotlight. In our Q&A segment, we dive recklessly into the burning questions that keep you up at night. I have a ltd company, but I only set it up a year ago after being a sole trader for a few years, I have an application in with Santander and they have declined to lend even though my accountant has explained that nothing has changed in my business except how I trade. Been told I must wait 2 years, is there anything I can do? My ex-partner pays me cash for the maintenance of our child. It’s not through the courts as it’s an agreement. Can I use this towards my income on a mortgage application? Is it better to be an employed or self-employed mortgage broker? Which route can I earn more money in? Thanks, you gents are superb! Should I use a managing agent for my new buy to let purchase?I’m struggling to buy on my own, a couple of friends have suggested we buy together, I spoke to my bank, but they will only allow 2 people on an application, is this the same everywhere? Hi Gents I have seen a property in Ossett west Yorkshire, it’s up for auction and I want to bid on it, I have a deposit of around 30%, the property needs a renovation as its been empty for a long time, can I get a mortgage on this? I am looking at taking out some family protection, but the cost of critical illness is looking too expensive, I have two young boys and wanted to try and have cover that would also cover them, but now I am looking at only Life cover, is there a way that I can still cover the boys without it taking me over the top budget wise. As you can see another bumper episode to wrap your ears around, stay tuned and follow the podcast on spotify or Apple to be notified when the episode are released. For now its Goodbye from Ken & Goodbye from Glen.

The Latest Episode of “ The Property Den with Ken & Glen” is a must-Listen for anyone interested in the UK housing market. This latest episode offers invaluable insights into the current climate, with a keen focus on the opportunities and challenges faced by landlords and first-time buyers whose average age for home ownership is said to be 33. Ken and Glen provide a comprehensive analysis of the market trends, guiding viewers through the complexities such as the recent European Central Banks rate cut, and the potential for a rate cut when the Bank of England's MPC meet. What sets The Property Den apart is their commitment to impartial and transparent discussions, ensuring that viewers receive a balanced perspective. Whether you're a landlord seeking to expand your portfolio or a first-time buyer dreaming of home ownership, Ken and Glen's insightful commentary will leave you feeling informed and motivated to make well-informed decisions. Lenders spotlight in this episode: Broker special double feature. Accord – growth series helping brokers with inspiring podcasts and material to help with social growth and guides to help tackle the challenges facing the mortgage sector. Mpowered – Marketing genius - A Free AI tool to help you create blogs and social; media content vlogs blogs website content. Q&A section: I can’t save enough deposit whilst paying rent. What can I do to get on the ladder, or should I give up? Can I buy a BTL for my family to live in as they are too old to get mortgages, Why are deposits higher for buy to let properties than a residential property? I went direct to my bank and the mortgage advisor has said that the valuation has come back with a request for an arboricultural report, what is this and how can this affect the purchase of the property, apparently they won’t offer without seeing this and I have to pay for it. Whats the difference between a BTL and a HMO? I bought a BTL cash from an inheritance I had, I live withmum and dad but want to now release money from the BTL to fund another investment property, I only bought it in May and I’m having problems trying to source a lender, why is this and is there anyone that will lend me. All in all, another engaging episode brimming with relatable property wisdom. Ken & Glen's unique brand of wit and practicality is why The Property Den continues to be a hit! As always, they keep things jargon-free and straight-talking. Until the next Episode. Its Goodbye from Ken & It’s Goodbye from Glen. Goodbye!

Are you ready for another Episode of “The Property Den with Ken & Glen” ? Ken and Glen, bring a wealth of knowledge and banter that'll make even the driest financial jargon sound like music to your ears. Trust us, you won't want to miss another bumper packed episode! As the nation gears up for the July elections, Ken and Glen dish out their insights on how political currents might influence the housing market. They discuss the latest trend of Lender buy outs, with the market choice possibly getting smaller, how might this affect the options available to their clients. Lenders Spotlight is METRO. Then we get right into everyone’s Favourite segment: The “Questions and answers” I’ve had an offer accepted on a new property and mortgage offered but I prefer another property which has come on the market, Can I reapply to the new property instead? I’ve decided to wait until after the upcoming election to buy my first home? Is this wise?  What is a fixed rate? I hear all this mortgage jargon and I just get confused as a first time buyer. You guys are my eyes & ears, thank you  I have seen a property that needs some work doing to it, I want to buy it but the estate agent says that due to the condition getting a mortgage on it will be an issue. Is there a way that I can do this that will mean I don’t have to find all the cash myself? Is the Buy to let market still a good place to invest, been looking at rates but the fees seem so high on the lenders deals now? That wraps up another episode of "The Property Den with Ken & Glen" So it is "Goodbye from Ken" and its "Goodbye from Glen" Goodbye !!

On this Episode we have the pleasure of welcoming Deborah Reeves National account manager from Perenna. As a new player on the scene, we wanted to get her insight as to what Perenna will be bringing to the market and what you should be expecting from them.  We discuss the way the lender is funded and the long-term fixed rates that are popular across Europe but new to our shores. After we finish up with all things Perenna we head into the market and the current state of play for the mortgage market. We discuss the fact that the Base rate held, and the effect of this on the market. We look at where rates are now and discussing the topic of Gambling and how this may look to a lender if you wanted to apply for lending. Lender’s spotlight!! Today’s lender is HSBC. We look at how they would approach lending if you were a Sole trader and then transitioned over to becoming a Ltd company, Director. Then we head into everyone’s favorite section. Question Time,   We want to sell our house to buy the next one, but pay off some of our debt with the equity, can we do this, or do we have to use all the funds on the new home? What happens if you have a mortgage with mate’s or partner and you fall out and cannot get on with each other anymore?     Would I be able to get a mortgage for £130k on a 28k salary, I’m 19 years old?         If I am on Maternity leave does this mean that the lender will only use my husband’s salary for the mortgage application? If I want to buy a BTL is it easier to do it via a ltd biz or in personal names? I have defaults over 4 years ago but a healthy deposit of 60k and an income of £55k would it be possible for me to get a mortgage? And that is all Folks for another episode, we hope you enjoyed as much as we did. Until the Next episode Its Goodbye from Ken & It's Goodbye from Glen, Goodbye !

Welcome to the latest fun packed episode of the "property Den with Ken & Glen" We start as always with our current market update, and review the Topsy Turvy world of rates, and look at how resilient the market can be against a backdrop of rate rises. Ken gets to grips with some market data research he has read from EasyMoney, they analysed the recent performance of the housing market based on the latest available Land Registry data, calculating the average monthly rate of growth seen since interest rates were held at 5.25% in September of last year.  Listen as Ken Counts down the top 10 potential HOT SPOTS according to the report, do let us know what you think of these locations. Todays "Lender spotlight" Coventry's self employed policy We move now to everyone's favorite part of the show.. Question time How likely am I to get approved for the 99% mortgage  with a fair to good credit rating ? Hi my partner has a few betting transactions on his account over the past few months will a lender decline because of this ?  Is the Buy to let market dead? I spoke to a broker and the fees on the deals where really high, is this the new norm for this type of purchase? Submitted a mortgage with a deposit of a Gift from parents, I have an offer now but I don’t need the gift as I have sufficient savings, should I tell the lender or shall I keep quiet as I have the Offer? Landlord has offered to sell me his Flat £150k I only have a £12k deposit would this be possible ? And that draws to a close another great episode, we hope you enjoyed. Please support the Podcast by giving us a 5 star review and share the podcast with friends and Family. For now its "Goodbye from Ken" and its "Goodbye from Glen". Goodbye !

We are joined in this episode by Tom Keogh of TNT Developments. Tom will guide you through all the ups and downs of Services Accommodation and what it means to run a successful business in this area. We then begin to get up to date on how the mortgage markets are looking including the fact that Inflation came down from 3.4 to 3.2 slightly over the predicted 3.1% Will this slow down the BOE decision to reduce the base rate? We discuss how the lenders rates are at the moment with the market getting geared up for the summer period Lender spotlight !!!! Perenna We Review the "Deposit unlocked" for New Builds with just a 5% deposit When clients are looking to buy a new build home but saving for their deposit seemingly a little out of reach, ‘Deposit Unlock’ is one option that may ease the burden of building that deposit. Then its everyone's favorite section: Question time Why are 5 year fixed rates lower than 2 year? What is the lenders product fee? Why do they charge it? And Santander charge a £225 fee to leave them even if your not fixed in? Why? My mortgage is due to renew in September do you think I can get an interest only for now to stop the payments going up so much? I am buying a BTL flat, its has five stories and no lift will I be able to get lending, my broker says this is proving a tough ask? Another great episode for you today, do get in touch if you would like to ask a question and see below for contact details for Tom Keogh for all things Services accommodation. For now its Goodbye from Ken and its Goodbye from Glen. Goodbye!! Links for Tom Keogh Linked in linkedin.com/in/tom-keogh-6a8671275 Website tntdevelopments.co.uk  Email [email protected]

Episode 5 of The Property Den With Ken & Glen, We review the market, the ups and downs of the rates and discuss the volatility of the Sonia Swap rates. Also we send out a big Shout to David Lowe Listener and supporter of the show, who has just passed his CeMap qualifications and is ready to embark on a new career in Mortgages and protection. Today's Lender spotlight “Accord”  £5000 Deposit Mortgage Product that is New to market.    Then we head down to Q&A corner to answer some great questions from our listeners. I have been accepted to a new Job, will I be able to use this income on the application for the mortgage or do I use my old salary which is less?  I would like to use a mortgage broker, but do I need to use one that is local to me?  I work in the construction business as a CIS worker, I get payslips so will the banks treat me as employed? and can I use my payslips to get a mortgage ?  I have been told by my broker that I can borrow more on a buy to let if I do a LTD company buy to let versus a Personal Buy to let is this true? Hi Guys, I have been sent an Offer from the lender, but the first mortgage payment is much larger than the standard monthly mortgage payment I was expecting, do you know why this is?  That’s another Great episode wrapped up for another fortnight.  Till next time, It's Goodbye from Ken & It's Goodbye from Glen, Goodbye!  

Welcome to a bumper episode of The Property Den, Today we have a special Guest Nicole Dean from the Will Guys. Nicole and the boys uncovers all the ups and downs of the Will writing service and busts some myths along the way, some great content not to be missed. Then its straight back to the world of property. What’s been happening in the market and how is this affecting the likes of you and me? The "Lender spotlight" today falls on Nationwide and a First Time Buyer product: Helping hand We finish of today's show with some great questions from our listener's Is renting such a bad thing? I hear horror stories or people getting mortgages and then having huge costs when things go wrong in the house? I’m worried about buying because of this. Hi guys, how young were you both when you got your first mortgage and was it as hard as it is now? Do all mortgages come with a Product fee? What type of mortgage would you recommend now a Fixed rate or Tracker and for how long ? My 5 year fixed rate Help to buy deal is coming to an end in September, should I try to repay the Help to buy loan or just carry on remortgaging keeping it in place? And that wraps up another great episode !! "So its Goodbye from Ken & Its Goodbye from Glen Goodbye"

Welcome back to series 2 Episode 3, Ken & Glen discuss the recent Budget update and their immediate thoughts on what this means for the property market. We discuss the current market and the turbulence that is being felt buy the industry. Then its into the new section "Lender spotlight" focusing on two lenders in this episode. Accords LTI Boost & Skiptons Track record mortgage. And then its down to business with our questions and answers. We have a bumper questions section today and get to grips with all of the following. I’ve moved out of renting to move back home with my parents to save some money, Is this a good move? Hi guys I've been told that when I sell my residential to buy my next house because I have made a big profit I will have to pay Capital Gains tax, is this right? I have inherited some money should I pay off my residential mortgage here or buy a Holiday home abroad? Is it a good idea to borrow more in my mortgage now while rates are quite high to clear my debts, I have a loan & 2 credit cards. Thanks guys Hi, Me and my Partner are first time buyers and have had an offer accepted but the estate agents pushing us to use the in-house mortgage advisor, they are saying that the seller wants them to control the work to enable them to have a better outcome on the sale. They charge a fee of £399 and to be honest they don’t fill me with confidence. If you would like to know the answer to these or have a question of your own that you would like us to answer then send your question in to us. and do not forget give the show a Follow, Like and Share the podcast.

Welcome back to episode 2, series 2. We kick of this week with a look at the various events and data that are affecting the mortgage market, such as GDP and rate increases. We review the fact that the Prime Minister recently hinted about a possible 1% deposit mortgage, will this actually materialize into something tangible? Michael Gove starts to look at new laws aimed at Regulating Airbnb-style short-term lets. What do we think about this ? New feature The "Lender spotlight" Virgin's Fix and Switch product. Then we are back to the Questions and answers section with a great array of questions for Ken & Glen to get their teeth into. As always let us know if you have any questions that you want featured on the show, and let us know what you thought of this episode. Don't forget to like and follow the show to be notified when the next episode will drop. For now its Goodbye from Ken & its Goodbye form Glen. Goodbye.

Welcome back to series 2, Our first episode of 2024. Have a listen to find out what have we been been up to? What does the market look like since our last recording? The base rate holds, what does this mean for the general public? Mortgage lenders and rates going down then up and down again? There is another new player on the mortgage front "April Mortgages" are they going to lock horns with Perenna? As usual Ken & Glen get to grips with your questions, have a listen to the Q&A section and see if you agree with the answers they give. Well what did you think? Are there any questions you would like the guys to tackle in the next episode. Don't forget to give the Podcast a like and a follow, do share with your friends and colleagues and we will be back for Episode 2 in 2 weeks time. For now its goodbye from Ken, and its goodbye from Glen. Goodbye.

The Property Den with Ken & Glen Episode 35 The final episode of this years series. In this weeks episode we decided to record whilst at the same time broadcasting live to Tik Tok, we love pushing the boundaries and this was a great experiment, if you were on our lives stream do let us know your thoughts. We take a snap shot look at the market and where it is right now, Brokers are getting busier and the markets looking a lot more robust. We jump into the questions section and answer those burning questions whilst including our usual banter and humor. I’m looking to go self employed from an employed job in hairdressing. Will this affect my mortgage application as a first time buyer? There are 2 terrace properties up for sale next to each other. They would be great but to let’s. Would this be a good idea to buy both? If I can’t pay my mortgage what happens? Me and my Wife have separated but I am worried she might still fix our mortgage as its due to end, is it possible she can do this without my consent?   Dads retired looking to move to Spain and has offered to sell me the house, it was unexpected, and I live with him so it would be ideal. I have a decent income but have not really been saving can I get a personal loan to use for the deposit as I don’t have any real savings now.     Rate war – saw an article about it but is it real? And is it worth me hanging back a while till rates fall even more before committing to buying ? And that is a Wrap for 2023. Thank you everyone for all the love and support during this years best kept secret, our podcast. we look forward to bringing you a revamped series in the New Year. So for now its Goodbye from Ken & Goodbye from Glen. Goodbye!!!!!

The Property Den with Ken & Glen Episode 34 We start with some up to date perspectives on the Market Is Stamp duty ready for Reform? Ken & Glen give you their overview of the market and their own personal opinions on what they are seeing, plus the continued positive vibes heading in from Lenders and market data, this is being seen in the clients we are now having come forward looking for new Purchases. They then get into the Questions with lots of content and their own style of humour and Banter, including how to best eat crumpets and a trip down memory Lane with Patrica the Stripper.   If you’re looking to find out what this madness is about get buckled in for the ride that is the Questions and answers segment of the show. If they scrap stamp duty, do you think it’s a good time to buy even though rates are still high? Can you explain to me what a mortgage is please as it just baffles me, I’m sorry I’m stupid!  Are buy to let’s worth it now or are they old news? Should I look at commercial property instead? I have heard that there are now 2-year fixed rates under 5% is this correct? Is right to buy even a thing anymore? Heard the council was not doing this now? I inherited some money, and I wanted to know should I invest into a buy to let or pay off some of my mortgage on my home that I live in? If you have enjoyed the content of this Podcast, why not share it with Friends and family, work colleagues, strangers in the street, give us some feedback and most importantly do Follow us. We have one more episode in this series before we break up to have a rest get re-energised ready to bring back a more blinged up version of the show in 2024.   Until Next week. Its Goodbye form Ken & Its Goodbye from Glen. Goodbye!!!

The Property Den with Ken & Glen Episode 33 Current market update We discuss the recent decision from the Bank of England MPC. We also chat about the study commissioned by the Coventry Building Society, that showed that stamp duty on an average priced property in London is 356 times higher than a similar property in the East Midlands. Have you heard the rumors that have started circulating that stamp duty changes are on the horizon, with announcements speculated to be made during the Autumn statement. We explore the knock-on effects on new builds as the market for New builds has slowed down which in turn is having a Domino effect on all sectors such as the builders / trades the furniture companies the carpets etc We review some ideas we thought may help get the mortgage market turning again. According to Knowledge bank the most popular mortgage criteria searches reflect economic uncertainty: In the September criteria index, the residential sector continued to feature ‘maximum age at end of term’ as the most searched term. The search term ‘Joint Borrower, Sole Proprietor’ saw a surge in the residential sector over the past three months, indicating that brokers were looking for creative solutions to handle mortgage affordability. We delve into a recent Tik Tok post From Glen asking the question “Why are landlords hated”? Then it straight into some Q&A.     I want to buy a house but I’m frightened in case I can’t keep up the payments if I lost my job? Is this a common worry? Can I get a stamp duty refund if I have sold my house?           My broker has just told me that my mortgage is going from £700 to £1200 per month is there anything I can do to reduce this cost down? I budgeted for an increase to £900 but this is taking the biscuit.   We are looking at buying a flat but its above a shop, we have been told this can be difficult but why? Then its time to wrap up this week’s episode, do give a 5 star review and like and follow and most importantly share the Podcast. So for now its Goodbye from Ken and its Goodbye from Glen. Goodbye!!

The Property Den with Ken & Glen Episode 32. This week we delve into the current market vaults and discuss the following: Lloyds have announced that they expect house prices to fall five per cent this year, with a peak to trough fall close to 11 per cent overall, its prediction: the trough will occur in the second quarter of next year in its best-case scenario. They also feel that we may have hit the peak with the base rate and that this would start to fall from Q4 next year.   Down valuations – we have been seeing this occur a lot more of late what do we feel is driving this current trend? Attention also turns to next month’s Autumn Statement; the rumoured mortgage guarantee scheme renewal would be some support for those small-deposit movers. Anything that can help those with smaller deposits is always welcome, but we know most borrowers opt for a lower LTV mortgage if they can, to avoid higher monthly payments. Whilst cancelling the scheme may be seen as a disappointing outcome by some, in reality it is unlikely to have a significant impact on consumer choice, as many lenders are offering five per cent deposit deals outside of the government scheme. Are Rates falling or rising there seems to be some confusion out there in the market place. Whilst some lenders do still seem to be in the mood to reduce rates to entice new clients TSB pulled their 5.14% rate and will be coming back to market with an increase of 0.20 so going to 5.34% - did they come down too low too fast ? Then its listener Question time. Is it better to get a mortgage with a bank or a building society? What is the difference?   I heard that having children can reduce your borrowing but can pets? I have horses and 3 dogs?   Should I stay on my standard variable rate while everything is changing?   We live with my dad and my dad’s retired on low income, we have the opportunity to buy the property via the council is this possible using just mine and my husband’s details ?   That’s all folks for this week. So, its Goodbye from Ken And Its Goodbye from Glen Goodbye!!

Lets get started with the latest Market update. We discuss the latest trend of High Fees especially on Buy to lets and the potential Base rate decision and Inflation news. Have you heard of Gazumping? do you know about Gazundering? Protection – its more than just protection do you know if your cover had added benefits? We then get to grips with our questions and answer session. Property prices seem to be staying the same now? Is this because rates are dropping? Can I buy Christmas presents now on my credit card? Will it affect my mortgage application next month? We throw in a nice compliment from a listener: You guys are hilarious but so informative. My favorite podcast We took our mortgage out with a 40 year term! Meant we could afford our repayments, but do you think this was the right thing to do? I’m a first time buyer should I get an interest only mortgage to keep my payments down? My Landlord has told me he is looking to sell and asked if I want to buy but I don’t have a large enough deposit, can I use the Skipton 100% mortgage I’ve heard about? That is another Wrap for this week, we hope you enjoyed listening /watching, please do share and like the Podcast and let others. For this week Its Goodbye from Ken & Goodbye from Glen. Goodbye!!!

The Property Den with Ken & Glen Episode 30. We had a break last week, but now we are back all fired up and ready for action. We are here to update you on the current market conditions and giving you our views on all things mortgage related. Rates where are they at and what are we seeing in the market   Mental awareness day this was this week – we have our say on this subject and remind everyone that they are not alone, and we are here if you need someone to talk to. We discuss the new Skipton low rates but high fees for existing customers, innovation or skulduggery, Hero or villain, let us know your thoughts. We then get the answers to the questions asked by our listeners.      I’m looking to buy a buy to let property as a pension plan but I’m worried if the tenant doesn’t pay! What could I do if that happens? I see that some lenders are now doing a 7-year fixed rate, why 7? Is that a good option?      Should I continue to rent, or should I buy in this market as it all seems a bit terrifying. Been discussing life cover for my mortgage should I take a level term plan or a decreasing term one to cover the loan?     Are rates coming down and what should I expect when my renewal comes to an end in July next year, I am on a 2.39% now? And that is wrap everyone ! Until next week its Goodbye from Ken & it’s goodbye from Glen. Goodbye

Welcome to episode 29 of “The Property Den with Ken & Glen” We look at the current state of the market discussing the key topics. Rate reductions across lots of lenders creating a storm but is it a storm in a teacup? or are these significant shifts that we are seeing? We are starting to see some rates dipping under the 5%, does this mean house prices could start going back up? We review a post regards the Swap rates and the general feel of the market due to the shifts on these, and we also talk about the new Buzz word “Mortgage Monitoring” which is becoming a vital element of the Broker role. We also have some great questions for you on these weeks show so let’s dive straight in. In this climate should I just go for it and buy a house to live in long term rather than a flat as a steppingstone? I’m frightened if I buy my first house and then can’t work what happens to my mortgage payments if I can’t pay? Why is it that being self employed have to show 2 years business figures and an employed person can get away with 3 months payslips Is it true that some lenders will allow you to take your mortgage to 75 years of age ? I am 38 years old and I have been looking at Mortgage protection, I am shocked at how cheap life cover is but critical illness which is for me more important is so expensive and it seems unaffordable? That's it for another Episode, Until next week It's goodbye from Ken & Its Goodbye from Glen Goodbye !!

The Property Den with Ken & Glen We start this week’s podcast with our take on the market. We discuss the inflation news and the possible outcome of the bank of England base rate decision which is happening today, sept 21st . We also delve into the news that the Prime Minister Rishi Sunak has confirmed that homeowners and landlords will no longer need to improve the energy efficiency of their homes to a minimum standard. A quick sing song regards Perenna and any updates we may have on their forthcoming proposition to the mortgage market. And then we drop into the questions and answers, this week’s golden nuggets include. My Girlfriend is 45 and I am 35 will it impact our chances of getting a mortgage due to her age ? I am buying an older house is it mandatory to have to have a structural survey – they are so expensive? I’m buying my first home and have savings to add in for the deposit, my partner does not have any savings, how do I protect the fact that I have added more to the mortgage then he has? Also I keep hearing about tenants in common and joint tenants but don’t understand how they work? Should I overpay my mortgage each month or put it in a savings account? What is the difference between a consent to let & a buy to let mortgage? If you want to see what Ken & Glen say on all these topics and questions, then give the Podcast a listen.  Let them know what you have enjoyed and what you would like them to include in future episodes. Until next week: It’s Goodbye from Ken & Goodbye from Glen.  Goodbye!!

The Property Den with Ken & Glen. Episode 27 In this week’s episode Ken and Glen review the new Bank on the Block, Perenna. Long term fixed rate new ways to assess affordability – are they an example of what is next to become the normal face of mortgages or just another option to add to the existing traditional lenders we have all become used too?  What’s do we think Bank of England will do in the up-and-coming rate decision, will it be up the charts down the charts, or a non-mover – let’s see what they think and how does that compare to your thoughts on the matter? We cover the changes that have been brought in on the 100% no deposit mortgage with Skipton. And then it’s into the questions from our listeners I’m looking to get a 95% loan to value mortgage. Why is the rate so much higher? Should I overpay my mortgage while my rate is lower as it ends in 2 year’s time and I’m on 1.50%? Where is the best place to buy a buy to let property? And as quickly as it came this weeks episode comes to a close So its Goodbye from Ken & its goodbye from Glen Goodbye !!

Episode 26 brings a Guest to the Podcast. Welcome John Savage, Former Actor, armed forces Paratrooper turned estate agent and Tick Tok influence and Author of the book "Sell your home Fast without under selling"!! John brings his unique approach to the Estate agency market with his very own brand of Zero BS to the estate agency role. We get his take on the following questions. Why do estate agents have a bad rep, they often get compared against traffic wardens?   A client Offered £335k on a property but the valuation came back at £320k any advice and what they can do?   John you say this on your Tik Tok channel, What do you mean by “property is not in isolation, its in competition”?   What is in your opinion the “Killer Questions “ you should be asking an estate agent when deciding who to use?   In the current market do you think there is more scope for haggling on the property price?  What is the one thing that will truly increase the value of the property? John gives us a quick synopsis on his Book that can be found on amazon and in Johns own words "You’ll discover exactly how to predictably sell your home for maximum profit in a timeframe you control" If you want to have a look here is the link: Highest Net Profit Formula: Home Selling Made Easy: The Ultimate 9-Step Guide to Take Charge of Your Sale and Maximise Profits in a Timeframe You Control: Amazon.co.uk: Savage, John: 9798853240186: Books That's all folks was a great Podcast we hope you enjoyed and look forward to any comments or questions you might want featured in future episodes. So its Goodbye from Ken & Goodbye from Glen Goodbye !!

The Property Den with Ken & Glen Episode 25 We are doing something different this week with a dedicated episode. First time buyer Special. Ken & Glen discuss the 5 top tips for first time buyers? If you are a First time buyer or you know some one looking to buy for the first time have a listen and share the Podcast. We also look to answer questions from First time buyer listeners.         I am a first-time buyer, my parents are gifting me my deposit, how much do I need? I’m looking to buy a house, but I can only afford a flat in my area, Should I buy this or wait and try and save for a house? My Parents are offering to sell me their house at a discount will I still need a deposit? I've been told by the estate agents that I need to use their Mortgage broker to get my Offer accepted is this correct? That everyone is a wrap, Episode 25 all done. stay tuned for some exciting guests that we have lined up and give us a follow and share the podcast. Goodbye from Ken & Goodbye from Glen. Goodbye!!

“The Property Den with Ken & Glen” Episode 24 Its another great episode full of content “Keep Calm” and give this podcast a listen and follow and share with others. Ken & Glen have a summary of the mortgage market. Rates going up and some going downwards. Customer buying confidence is certainly showing signs of coming back but with a degree of cautiousness. We discuss some data released from Rightmove discussing the percentage changes in asking prices the selling market, whats should we take from this? and is it having an impact on the decision to sell or to buy? Questions we look to answer include:       Will mortgage rates go back to the 1% days at all?    I have a ltd company buy to let and now the rate has gone up to 8%. The mortgage is now the same as the rent pm. Is it worth keeping? I have life cover to pay off my mortgage on my house, should I get more cover to pay off my buy to let properties mortgages?     I had a mortgage with Pepper money they sold off the mortgage another company who don’t have any products available now my deal is ending what can I do. I am locked into a fixed rate for five years, but I've seen a new property that I want to buy is there any way I can avoid the early repayment penalty when I sell my existing house? Another episode wrapped up so until next week, its "Goodbye from Ken & Goodbye from Glen" Goodbye!

Welcome to “The Property Den with Ken & Glen” Episode 23  A lot can happen in the space of a week so let’s start with a look at the market, do we see the green shoots of recovery, or should we remain a little cautious? We review the current rate shifts and what that may mean for those with a mortgage. First time buyer demand increase activity and flats becoming popular again we explore why that may be the case. Its then time to explore the listeners questions.         I have 2 BTL's in my name should I move them into a ltd company?         Rates are going down so should I lock in now as I have 4 months left on my rate or should I wait?          Can I buy my parents’ house if they gift me a deposit? What is more profitable a HMO or an Airbnb? That's all folks!! So it's Good bye from Ken & Goodbye from Glen Goodbye!!

Episode 22 of The Property Den with Ken & Glen. Guess who's back, back again, Ken & Glen’s back, tell a friendGuess who's back, guess who's back, Guess who's back. Guess who's back? A whole week off the air waves, it feels good to be back recording Episode 22 of the Podcast. What Market Nuggets do we have to share and discuss with you this week? The Bank of England due to meet – what do we think is going to happen? Also, as many will have seen the Interest rate decreases from many lenders – is this to start of lower rates or are we getting carried away with small rate reductions? Some change in criteria gets discussed with Halifax in the frame as they look to increase the max age of lending from 70 to 75 – is this good or bad, what are our thoughts? We also discuss an article we have seen stating that Mortgage borrowers are potentially missing out on better deals by choosing a product transfer without advice. Questions reviewed and covered this week include the following: I’m thinking of going interest only for 6 months and extending the term. I have 6 months left on my current deal? Should I do it now? I have 3 Children all under 10. Will this affect the amount my husband and I can borrow to buy our first home? Are mortgage rates coming down and should I wait to buy? I'm downsizing and taking approx. £150,000 maybe £160,000 with me as a deposit. the plan is to buy something where I take on the lowest mortgage that I can. Probably looking to buy a property no more than a £200k only looking for around 50k mortgage. Would that be doable? I have been told by other brokers no. And as quick as it began its over and another week is wrapped up. For now It's goodbye from Ken & Goodbye from Glen. Goodbye!!

The property Den with Ken and Glen, Episode 21 It’s incredible we have hit our 21st recording of the Podcast and we are eternally grateful to all you wonderful listeners. We do have a few technical hitches and there is a slight delay in our banter due to a time lag but we hope you still enjoy the content. What do we have to tickle your ears today?   First we start with a shout out to Mortgage 1st for hosting the M1 Fest where we met some industry legends and mingled with the great and good, people like Jon and Lisa Stones and Paul Lewis and other like minded Brokers and Industry Guru’s, Matt Poole, Leigh Rowland, Jordan Ryan, Michael O’Brien, Jack Whiting plus many many more. A few drinks and some bad dance moves made for some very interesting pictures and a great event – thanks to all involved. Back to the market - We review the fact that there has been a reduction in Inflation – what does this mean for rates? Also, we discuss the statement that we read in an article that calls for us to “Stop dwelling on the past and deal with the mortgage market we have today” What does this look like in the real world?   Coventry said the current tax regime offers one-time support for first-time buyers but does little to help other types of borrowers – such as downsizers – and could therefore be a deterrent to moving. People who have recently separated could be struggling to buy a place on their own, empty nesters could be hit with a large tax bill for downsizing, and even first-time buyers could miss out on their relief if they are buying jointly with a non-first time buyer.” And then as always we get active answering the questions. I’ve been told by my family not to buy as the market is going to crash? Should I listen to them?         I’ve heard mortgage rates are coming back down. Will this push house prices back up?       I’m buying my first buy to let property in Liverpool. Should I get in managed as I live 5 hours away or do it myself?    Looking at buying an investment I've heard the HMO’s are a better option to standard BTL is this true? And that’s a wrap guys, we are taking a week break from recording so enjoy our back catalogue of Episodes. Until we return its Goodbye from Ken and Goodbye from Glen. Goodbye!! An interesting article from the Coventry caught our eyes with them calling on the Government to reform stamp duty and for it not to be a one shoe fits all kind of tax but to address different situations in different ways.  

Episode 20 of the Property Den with Ken & Glen. What better way to spend your time than by listening to the Property Den with Ken & Glen. We take you through the myriad of changes in the current mortgage market. We delve into what we feel is to be the new normal and explore if we have been living in a bubble. Also, on the list of topics discussed is the Martin Lewis mortgage special that was aired during the week, as usual you will get to hear our own insight and views. Then we bring the show full circle back to you the listeners and your questions. At the top of the Charts, we have:  Should I wait till 2024 to buy? Coming in close behind in second place we tackle:         Should I keep saving for a 15% deposit over a 10%? Pop pickers here’s another tropical question in at number 3:         I’m 50 can I still get a mortgage? Racing its way towards the upper end of the charts is:     I have seen someone on Tik Tok saying lenders are lending 20% less is this true? And to round off this week’s pop busting, chart-topping questions is:  I have heard a lot of people ask about 2 & 5 year deals on fixed rates but are these all that’s available? Also, a BIG Thank You to all the wonderful listeners our podcast has now had a massive 530 listens. For Two Brokers who came together to have a bit of banter and try to educate and inform the public about the mortgage market this is a great achievement and a step in the right direction. None of this would be possible without you and your support. lease do share the podcast and let’s keep pushing the momentum onward. So, for another week its Goodbye from Ken, and it’s Goodbye from Glen.   Goodbye!

Episode 19. Ni-ni-ni-ni 19, 19, ni-19 19 In 2023 The Mortgage Arena seemed like just another mortgage arena, it wasn't to those who did the mortgage brokering. In the Mortgage arena 2023 the average age of the mortgage broker, the mortgage broker was 19. Ni-ni-ni-ni 19, 19, ni-19 19 Now if your not old enough to recall the real song I've just completely ruined then do not worry and read on and pretend like nothing ever happened. What do we have for you this week on the Podcast? Another update on the Market. We discuss the commentary from JPMorgan Chase & Co who are suggesting a rate rise to the dizzy heights of 7%. What do we think, and how will this impact on us and inflation? We also touch on another report that suggests the numbers of homeowners being approved for an IVA rises and that homeowners are seeking debt advice. We give a Big Shout out to Paul Lewis and his Team from Mortgage First as we prepare to attend the M1 fest. Glen has been invited as a guest and I have managed to sneak into his travel bag, so we will be meeting and greeting some industry leaders and getting to rub shoulders with some great like minded people from within our industry, so we are looking forward to this. And I know you want to see the questions we are going to answer on this weeks show so here we go: Have I got to use a broker to get a mortgage? My partner has owned a property before but I’m a first time buyer, do I still get the FTB discount? Is it better to be employed or self employed when applying for a mortgage? What sort of questions should I be asking when viewing a house I like? Thank you as always for listening /Watching and supporting us on our Podcast journey. This week has wrapped up and its Goodbye from Ken, and its Goodbye from Glen. Goodbye!

Episode 18 of “The property Den with Ken & Glen” How can so much happen in the space of a week, you may have taken ownership of your new dream home, you may have tied the knot with your soul mate, it may even be that the cry of a newborn baby is now your new morning alarm clock. Or it may be that you have spent the week just waiting to hear this weeks Podcast from Ken & Glen. Well, the wait is over, get ready to have us tickle your inner ear drums with our views on the markets and some witty banter plus some questions from our listeners. What golden Nuggets and pearly wisdom await you: The Bank of England Raised the base rate, so we get into this and our thoughts on where this may lead. We also discuss in some detail the new Mortgage Charter The Charter was signed by lenders accounting for 75% of UK mortgage lending, and at the last review it was up to 85%. Starting from June 26th, no borrower will be forcefully evicted from their home without consent unless under exceptional circumstances. As we have seen with many lenders customers nearing the end of a fixed-rate deal will be given the opportunity to secure a new deal up to six months in advance. The option to move to an interest only option for a period of six months is also covered and the pros and cons are reviewed. We then discuss an interesting Article from the Tony Blair Institute for Global Change who are suggesting that the UK needs long-term fixed rate mortgages to offset interest rate shocks. In the UK, however, such products are scarce, what do we think of this and is it practical? We dive then straight into the questions section:    I am looking at trying to buy at auction as the property prices are lower is this a good idea?  Is a HMO easier to get finance on that a traditional Buy to let?     Why are decision in principles needed before going to view a house, been told by agent that they are only letting people with this in place view the house I like?         I have heard that some lenders are producing offers really quickly how are they able to do this and others are slow? And just like that another Episode of The Property Den ends. So once again until next week “Its Goodbye from Ken & Goodbye from Glen” Goodbye !!

Episode 17 of “The Property Den with Ken & Glen, With a whirlwind of activity in the market, brokers dealing with Interest rates being pulled at short notice, the uncertainty for clients looking to secure rates and the Bank Of England trying to get some downward momentum on inflation, this weeks podcast is jam packed full of Ken & Glens thoughts and meandering into the current state of the mortgage market. Why not sit back relax and tune into this weeks episode as Ken & Glen take you on this weeks psychedelic journey through all that is property related and then stay on board as they move to answer some excellent questions sent in by listeners. Questions like: Can I switch my mortgage to interest only so it can relieve the pressure while rates are high? Is it a good time to become a mortgage broker? How early can I fix in a new deal before my current rate ends? When are rates going to get back to normal? I have heard lenders are pulling offers, does this mean that now I have exchanged contracts I could loose my deal ? If you have any questions or topics that you would like to hear Ken & Glens views on then reach out to the Show and let Ken & Glen know.

Episode 16 of “The Property Den with Ken & Glen” It’s certainly been sizzling in the markets with a heatwave in both activity and rates. Ken & Glen are here to take you through the Highs and the Lows of the current market conditions, and cover News topics that are affecting so many people. Why not join them and tune in for some great content and discussions. Then it’s back to business as usual as they answer the questions you have been waiting to ask:   Is it better to have one credit card with £5,000 on it, or 5 credit cards with £1,000 each? When applying for a mortgage?   If I owned a property and sold it 10 years ago, can I now be classed as a first-time buyer?       What happens if I can’t afford to pay my mortgage anymore because the rates are too high?         Is it better to buy a house or a flat, as flats are cheaper in this climate?   Another roller coaster ride of an episode full of Broker insights and banter, if you want a snapshot of the current market and topical listeners questions then look no further than” The Property Den with Ken & Glen”.   Do you want to be a Guest on the show? If you feel you do then why not reach out to Ken & Glen and let them know.

Episode 15 of “The Property Den with Ken & Glen” Like your favorite episode of only Fools and Horses we are back…. What has happened in the last two weeks? Ken & Glen get down right into the Madness that is the Mortgage market, the ups and downs of rates and the difficulty being faced by brokers when trying to secure a mortgage deal with the lenders. They discuss the reasons behind the rate increases but also discuss the rationale they feel are causing lenders to pull rates at short notice. And then its back to business as usual as they answer the questions you have been waiting to ask: Is it still a good time to buy?    Can you get a mortgage with a recently settled CCJ   Is car finance classed as debt? I have a few defaults and an IVA can I get a mortgage?          How can I reduce my mortgage payments as my rates as they are due to increase in August? Another great episode full of broker insights and banter, if you want a snapshot of the current market and topical listeners questions then look no further than” The Property Den with Ken” Do you want to be a Guest on the show, if you feel you have some value to add why not reach out to Ken & Glen and let them know.

The Boys are back with Episode 14 of “The Property Den with Ken & Glen” What delights await your ears? Let’s have a look: * Ken & Glen discuss all the current market topics such as, Swap Rates going up and Inflation coming down to 8.7%. * What does that mean for you, and what impact are we seeing if any on the market, and the way lenders are pricing their rates? * They cover off some of the basics regarding - Interest only mortgages, What are they, and can everyone get them? And this leads nicely into the good old question that keeps popping up on all the socials that they do. Are Buy To Let’s DEAD? After that whirlwind tour of market updates, they head into the meat and potatoes of the podcast, your questions. This week they answer these Great questions:  Life insurance, do I need it if I have a mortgage? Can I buy my council house, and do I get a discount? How long does it take to get a mortgage in principle, and why do I need one?   Ken & Glen are due to take break for a week from the Podcast whilst Glen goes away with his family and Ken dreams of holidays from his Garden Office.   They will return with Episode 15 in two week’s time until then, its goodbye from Ken, & it’s goodbye from Glen.   Goodbye!!

This week on the 13th Episode of the Property Den with Ken Glen. Ken & Glen look at the latest events rocking the property market and the pros and cons. They discuss the potential impact of the governments much-anticipated Renters’ Reform Bill that was presented to parliament this week. How that might affect both the landlord and the tenant, things like the changes to abolish Section 21 eviction notices and improved powers to evict anti-social tenants. They also give their thoughts on the sale of Estate agency group Purplebricks for the princely sum of £1 to Strike. Then as always, they get to grips with questions from listeners and social media Followers. How worried should I be about Gambling appearing on my bank statements when applying for a mortgage?   I have agreed to start a new job in August with a £10k pay increase, is there any way I can use this income in my application?           Hi, I am a day rate contractor using an umbrella company can I still use my contract value to get a mortgage?   Can I borrow additional funds on my mortgage without telling the bank what the funds are for? my partner took a loan out to get a car and I want to pay this back; I heard the bank does not like people to be using the money to pay off debt? Then as it is Mental Health awareness week Ken & Glen share their thoughts on the stress they face in their role’s managing and running a business, also the impact on peoples wellbeing dealing with the pressures of day to day life and the cost-of-living crises and the market in general. If you have been or you are being affected by mental health concerns and need someone to talk to reach out to Ken or Glen or to someone and let them help you release the pressure. They want to let you know you have not been forgotten, and your voice will be heard. Remember you are not alone.   Until next week, its Goodbye from Ken & It’s goodbye from Glen. Goodbye !

This week in the Property Den, Ken & Glen review the positives and negatives of the Skipton Building Society Track Record mortgages, allowing Renters to buy with no deposit - 100% mortgages. Skipton have this to say "We think this could be the start of the great shift – turning generation rent into generation homeowner" but what do Ken & Glen think? They also discuss the Deposit Unlock options with the likes of Nationwide to help support buyers wanting New Builds with only a 5% deposit, and Leeds Building Society, as they collaborate with Experian to help improve boost clients credit scores. The Bank of England are due to meet the day of this recording so of course the base rate is also on the agenda and the potential of any rises and what does that mean for the market? Then they get back to the questions from listeners, Why are mortgage rates now going back up? I thought they were coming down? Are there lenders out there that you can get a mortgage with if you are on benefits? Is it best to buy a new build or second hand property? Do you think 100% mortgages will push up house prices? Can I get a mortgage if I have a heart condition and have had Open Heart Surgery Another great episode for you to listen to, do not forget if you want to take part send your questions to Ken & Glen and have them featured on a future episode. Until Next time: It's Goodbye from Ken, and it's Goodbye from Glen. Goodbye !!

In this weeks episode. Ken & Glen discuss the current market and topical news such as: Help to Buy – Rishi Sunak is he going to be resurrecting this scheme and do we think this is a good or bad thing? TSB concessionary purchase from landlords - what it all about and what are the benefits to landlords and tenants alike. We also discuss the possibility of Skipton building society who are looking to bring 100% Loan to value mortgages back to market, this has been gaining lots of media attention as they consult with the FCA. Ken & Glen have also answer some questions from some regular listeners: Are rates going to fall soon? should I wait to fix my mortgage its due for renewal in a few months? Are bank statements always looked at by the bank as I’m always overdrawn? Whats the average time from starting a mortgage to completion? If my credit is not excellent will I still be able to get a mortgage? A Jam packed episode covering all the bases, keeping you informed and up to date with all the going on's in the world of mortgages. Let us know of you have any questions or comments and we will be back next week for Episiode 12. Goodbye from Ken & Glen

What does this weeks episode have in store for you.We were lucky to have as our Guest the effervescent Dave Coleman.As many of you will know Dave is the Head of Sales for Positive lending; he is also a husband and a father of one but soon to be two children.Who are Positive lending?Positive lending are a Master Broker in the Specialist Property Finance industry, they offer a variety of solutions such as Second Charge Mortgages / Bridging / Specialist Residential & Buy-to-Let Mortgages/Commercial / Development Finance & Equity Release. A Perfect guest for this week’s episode where we discuss more specialist lending.In this week’s episode:We discuss the recent House price Index release from Rightmove, looking at the trends and the movement in the market.We also put your questions to Dave, questions such as:What is a bridge and what can it be used for?What does second charge mean?If I buy a plot of land, can I get a bridging loan to build a house on it and then refinance the house and pay back the bridge?If I have poor credit can I still get a bridging loan or any finance for a commercial property refurb?Can you get commercial finance if your a first time buyer and living at home with parents?I have Been told that its better to get Bridging finance if I am considering an auction property is this true? All this and more awaits you in this weeks episode of “The Property Den With Ken & Glen and Dave”And If you would like to reach out to Dave the contact info is here:⁠⁠[email protected]⁠⁠M: 07714 255 930HQ: 01202 850 830⁠⁠www.positivelending.co.uk

Whats does Episode 9 have in store for you? In this weeks episode, apart from discussing how hard its been for Ken to recover from a friends Stag Do, they get back to basics with questions from some of their Tik Tok followers. Listen in as they go in depth and answer the questions you have been asking yourself, like: If I have had credit issues in the past, what’s the chance that I can still get a mortgage ?   I’m earning £28k a year permanently employed, can I get a mortgage? I am a sole trader - How many years books do I need for a mortgage?   Looking to buy our first home, but have found out that there is Japanese Knotweed in the back garden, been told this may impact me getting a mortgage. Is this true?   What’s is the EPC rating needed if I’m buying a Buy To Let? Also, how much deposit do I need? All of this and a little more gets answered and explored as they delve into all things property related on the "Property Den with Ken & Glen" Podcast.  

In this week’s episode we are joined by the Award winning Tax Advisor and Tik Tok sensation Mitch Young AKA " Mitch the Taxman". Listen as he guides us through the ins and outs of regularly asked Tax questions such as: What the difference between an accountant and a property tax specialist?   We get asked by clients when it comes to declaring rental income that they feel they can get away with not declaring and seeing if they can get away with not paying tax, the most common thing they say is “well how would they know” what’s your thoughts on this ? If you bought btl in personal name but now wanted to move them to the ltd is this advisable and what implications are there? Capital gains tax - what changes have come in this year and when does it become payable. I’ve owned buy to let’s for years but not declared the rent I’m getting paranoid that I’m going to be found out what can I do to declare to HMRC? Is there any way to reduce my capital gains tax bill? If after listening to this you would like to contact Mitch and his team at Fusion Consulting Group here is his web address and contact number. ⁠www.fusionconsult.co.uk⁠ 0203 9538018

Its another great Episode so have a listen as we answer some amazing questions. In this weeks episode we tackle some really great varied questions such as: How does an HMO differ to a standard Buy to let ? I have a mortgage in my name, but wife does not own any property, can she buy as a First time buyer and avoid the stamp duty ? I’m looking at Investing into a Buy to let how much deposit do I need ? I hear there are lender lending First time buyers 5.5 x income is this right ? Looking at buying our first home together and wanted to know if there are any tips you would give us to make it as smooth as possible ? I live in a council house and I have been told I can buy it with a discount is this right ? Until next week "Its Goodbye from Ken & its Goodbye from Glen" "Goodbye"

This weeks Episode of “The Property Den with Ken & Glen”   Ken & Glen Review the last week, the hike in Inflation the changes in the rates and the current state of the mortgage market and what that might mean for those buying and selling. They also get to answer some hot questions from their listeners and TIK TOK community. Self-employed ltd company Director Looking at getting a mortgage if I increase my pay can I use my payslips to prove my income? Do I need a 999-credit score to get a Mortgage approved? Should I buy a “Buy to let” in my Personal name or via Ltd business, I’ve heard lenders will also lend me more? I have been told I need an SIC code on the LTD what is this? And Finally Buy to lets what is better a house or a flat ?

In this Episode Ken & Glen get to grill an estate agent, Dan Elliott from Elliott & Smith Estate Agents. Some great questions from you our listeners for Dan to answer such as. What is an estate agent and what do they do and offer?How do estate agents come up with the valuation figure for houses when they visit them? What should you expect from your estate agent as a customer? What service should the customer expect and what platforms are used to promote the property? How do estate agents calculate the fees ? And when do they become payable? Have you seen a drop or an increase in the property market in the last 3/6 months? Have you seen an impact on buyers since the mortgage rates have gone up but now slowly coming back down?   Why do some agents have different contract lengths? Do you think people should consider the smaller independent estate agents more so than the big corporate well know names as generally in many cases the fees are lower and more personal service? Should a customer put their house on the market before they start putting offers in and viewing properties and why? As always we do not hold back and we look forward to you sending us in more questions for next weeks Q&A Episode. If you are in or around the Rayleigh area and looking at lettings, buying or selling feel free to reach out to Dan via the website or the office number. www.Elliottandsmith.co.uk 01268 947947

This week Ken & Glen get to grips with answering questions again from listeners.  They discuss among other things: How long do you need to be trading as self employed to get a mortgage?  How old do you need to be to get a mortgage ? And can I use money from grandparents as deposit? I am starting my Investment portfolio, I have the opportunity to buy my first property, Approximately how long from the property being taken off the market does it take to complete?   Do I need a decision in principle before I put an offer down on a property ? How do we go about getting a mortgage in principle?  Do we need our house up for sale before we apply etc? How long do mortgages in principle last if we don’t find anything? As we start to get more listeners coming through we are starting to get more questions being asked and we LOVE it, this podcast is here to help educate you with answers that you have been waiting to ask,  no question is off the table and we welcome any feedback you would like to give. Next week Ken & Glen will have an Estate agent on as a Guest, if you have something you would like to ask an estate agent send us your question. Till the next Episode have a great week. 

In Episode 3 of ‘The Property Den with Ken & Glen'  We have our first ever guest Dylan Herholdt from ‘Portugal Realty ‘ and presenter of the podcast ‘Portugal The simple life’ and regular guest speaker at        "A Place in the Sun exhibitions" We discuss among other things .. The potential for investing in property in Portugal and the rental/investment opportunities. How has Brexit changed the market? Has ‘a place in the sun ‘ and programs such as this incentivised people to buy abroad? Are people looking more at investing or looking at the potential to make a permanent switch to the country? What differences are there between the Algarve region and the silver coast area? Dylan shares his love of the country and explains why he made the move from South Africa 14 years ago and will never be leaving. If you would like to know more about Dylan and ‘Portugal Realty’ plus his podcast ‘Portugal the simple life’ the links are below www.portugal-the-simple-life.com www.portugal-realty.com We are Back to answering the questions from our listeners next week, if you want to add your questions to the ones being covered on the show then add it to the Q&A section and we will look to include it in our up and coming episodes.

Ken & Glen get to grips with more questions from Listeners. Should I buy a Flat instead of a house with interest rates so high? will this make it more affordable? Pros and Cons  Is the buy to let Market Dead? is it still worth investing? Are Landlords selling up because of the Pending EPC regulations that are coming in 2025? Self employed listener wants to know if its possible to get a mortgage with only 16 months of trading? he has been told that he needs 2 years. Find out what Ken & Glen think as they answer these questions in their usual no nonsense, no jargon straight talking way. If you have a question or topic that you want Ken & Glen to cover then reach out and let us know.

Ken & Glen get straight down to business answering the questions you have been waiting to ask. Is there going to be a property crash? Is now a good time to buy with current mortgage rates? Broker or Direct to bank? Which is best? Remember if you have a question for Ken and Glen reach out and they will look to include it in future productions.

Property related questions asked and answered. This is your go to shop for all things property. Come and enjoy the ride with Ken & Glen at the helm of an all new property focused podcast.