Thinking of investing in buy-to-let property? In this episode, we’re joined by mortgage expert Tom, who shares crucial insights on the UK mortgage market, fixed vs. tracker rates, and the biggest mistakes landlords make when securing a mortgage. We also discuss refinancing strategies, the impact of interest rates, and how landlords can maximise their returns in 2025.

Whether you’re an experienced investor or just starting out, this episode is packed with valuable advice to help you navigate the buy-to-let market effectively!

 

Topics Covered: ✔️ Fixed vs. tracker mortgages – which is smarter in 2025? ✔️ How interest rates impact buy-to-let mortgages ✔️ Biggest mistakes landlords make when securing a mortgage ✔️ The power of overpayments – how to save thousands ✔️ Are landlords really exiting the market in 2025? ✔️ Refinancing strategies to boost rental profits ✔️ Green mortgages & EPC incentives – how landlords can benefit ✔️ Mortgage market predictions for the rest of 2025

 

Key Takeaways:

• Fixed Rates Provide Stability – Most landlords prefer fixed rates to plan their investments with certainty.
• Interest Rate Changes Don’t Always Affect Mortgage Rates – Swap rates play a big role in fixed mortgage pricing.
• Overpayments Can Save Thousands – Rounding up your mortgage payments could save years of interest.
• Green Mortgages Offer Incentives – A & B EPC-rated properties can unlock better rates and cashback deals.

 

More About Our Guest:

Tom Ashton – Mortgage Tribe Director & Advisor Email Tom: [email protected]

Call Him: 07809 141140

 

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This episode is sponsored by Mortgage Tribe: Helping investors like you find the right mortgage deals and property advice.

Website: https://www.mortgagetribe.co.uk

Instagram: https://www.instagram.com/mortgage_tribe_/

Facebook: https://www.facebook.com/MortgageTribeLtd/

 

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Disclaimer: This podcast is for informational purposes only. The views and insights shared by the hosts and guests are based on personal experiences and opinions. Nothing discussed should be considered financial advice. Always do your own research (DYOR) and consult with a professional before making any investment decisions.

 

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