Welcome to this week’s episode where we dissect the current mortgage market to offer essential insights for landlords and investors. Join hosts Ian and Mike as they discuss the latest trends and strategies with special guest Tom Ashton, a seasoned mortgage advisor and co-founder of Mortgage Tribe.

Whether you're well-versed in property management or venturing into property investing for the first time, this episode promises valuable guidance to navigate the evolving mortgage landscape in the South of England and beyond.

Main Topics Covered:

• Current Mortgage Market Overview: An analysis of how mortgage rates have stabilised in 2024, bringing calm and predictability to the market after a turbulent period.
• Historical Context and Changes: A look back at the erratic nature of 2023 and the positive shifts seen this year.
• Advice for Mortgage Applicants: Tips for managing high mortgage rates, including extending mortgage terms and adjusting loan-to-value ratios.
• Trends and Predictions: Discussion on the potential for further rate drops and how this could affect decisions on early repayment charges.
• Property Investment Insights: Focus on buy-to-let investment strategies and how shifting mortgage rates impact these decisions.
• Insights Based on Numbers: Featuring current mortgage rates around 4.28% and scenarios predicting drops to the low fours.

Guest Speaker Bio
Tom Ashton brings over 17 years of experience in the financial industry, with a dedicated 12 years advising on mortgages and protection. Known for his straightforward and trustworthy advice, Tom's expertise is invaluable to anyone looking to understand the nuances of the mortgage market and its implications on property investment.

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  Thank you for tuning in to this episode. Stay informed, stay engaged, and happy investing!