The Property Podcast ASK484: Should I take out equity to buy more? PLUS: Is this an opportunity or should I walk away?
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Jul 8, 2025 In this episode, listeners explore the dilemma of using home equity versus savings for property investment. A Londoner ponders whether to invest in the North or Midlands, weighing town selection against street quality. Meanwhile, a seasoned investor grapples with potential risks related to the Building Safety Act. Concerns about cladding and obtaining crucial safety certificates highlight the complexities of buying properties. This engaging discussion offers valuable insights for those navigating the property market.
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Tap Equity To Invest Sooner
- Consider tapping into your home equity to invest sooner rather than waiting to save more money.
- Ensure the rental return exceeds your borrowing cost to make leveraging equity financially beneficial.
Prioritize Best Streets In Town
- Focus your property search on the best streets within affordable towns rather than just picking any town.
- Quality location within a town matters more than the town alone for long-term value.
Be Wary of Building Safety Risks
- Avoid buying properties with unresolved Building Safety Act issues unless you can estimate and cover future remediation costs.
- Buy such riskier properties only if you have cash and expertise to negotiate a big enough discount.