The Property Podcast ASK497: Should I delay this until after the Budget? PLUS: Is this too much leverage?
Oct 7, 2025
Listeners dive into key questions about property investments. One discusses whether to delay remortgage transfers until after a budget statement, weighing potential tax impacts. Another explores using home equity to finance new purchases through a limited company, grappling with the risks of double mortgaging. The hosts provide insights on balancing leverage and managing cash flow, giving practical advice for savvy investors looking to make informed decisions.
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Delay If You’re A Nervous Legacy Landlord
- If you worry about tax changes, delay remortgage product transfers a few months until the Budget to reassess impact.
- If your properties sit in a limited company, Rob Dix suggests proceeding as planned because proposed changes seem aimed at legacy landlords.
Limited Companies Look Better Protected
- Proposed tax changes appear to target legacy landlords who hold properties in their own name rather than limited companies.
- Rob Dix views limited company investing as more insulated from the rumored measures and prefers that route now.
Prioritise Cash Flow When Leveraging Your Home
- Model cash flow conservatively and prioritise monthly affordability when borrowing against your mortgage-free home.
- Speak to a mortgage broker about options like interest-only residential borrowing to lower monthly payments and increase safety margins.