The Samuel Leeds Podcast Mortgages Update July 2025 - What's changing?
Jul 11, 2025
48:25
➡️ Join Samuel Leeds LIVE Property Crash Course, from ONLY £1: https://www.samuelleeds.com/slptour
In this video, I sit down with top mortgage broker, Andrew Clothier, to demystify everything you need to know about property finance in the UK – from the truth behind those “too good to be true” mortgage rates to the exact steps you need to follow if you're refinancing, using a joint venture, or relying on overseas funds.
Far too many people come to me and say they “can’t get a mortgage” – but that’s only because they’ve asked one bank. There are hundreds of lenders out there, and getting the right mortgage is all about knowing how to structure the deal and which lender to approach for your specific circumstances. Whether you're a new investor or scaling your property portfolio, this conversation is packed with insider knowledge that could save – or make – you thousands of pounds.
💡 Plus, I reveal how I personally deal with valuers, what not to say during a refinance, and why being declined by a lender is often just a sign to ask a better question.
🔑 KEY TOPICS COVERED:
→ Why your bank declining you means nothing – and how to approach other lenders
→ The truth about “fake” low interest rates and massive hidden fees
→ How to avoid refinance down valuations and maximise your end value
→ Offset mortgages and creative finance strategies that still work
→ What a mortgage broker really does and why they’re essential in your power team
→ Exit strategies for bridging loans – and why plan B is essential
→ The inside scoop on 100% mortgages and whether they’re worth it
→ Why lenders are finally getting more flexible with underwriting
→ What makes a property “unmortgageable” and how to spot it before it’s too late
➡️ It all starts with a Crash Course! Book your spot at Samuel Leeds' next course: https://www.samuelleeds.com/slptour
USEFUL LINKS:
🎥 WATCH: ALL NEW Success Stories Channel: https://www.youtube.com/@UCuMZkB9CLBpjuviJ6Ljzd_w
📖 READ: My latest best-selling book: https://www.samuelleeds.com/FOMPOD
♟️ PLAY: Get the Property Millionaire board game: https://www.samuelleeds.com/ytbg
❓ Have a question about property? Join my Property Facebook Group: https://www.facebook.com/groups/778613042238071
🗣️ FOLLOW ME ON SOCIAL MEDIA:
→ YouTube: https://www.youtube.com/@SamuelLeeds
→ Instagram: https://www.instagram.com/samuelleeds
→ TikTok: https://www.tiktok.com/@samuel_leeds
→ Facebook: https://www.facebook.com/OfficialSamuelLeeds/
→ Twitter: https://twitter.com/samuel_leeds
→ LinkedIn: https://www.linkedin.com/in/samuel-leeds-64660683
We are always looking for interesting podcast guests:
For collaboration enquiries, please email marketing@samuelleeds.com
DISCLAIMER All information, including dates, figures, links, and references mentioned in this video, is accurate and valid at the time of filming. Please note that circumstances may change over time, and we recommend double-checking any details before making decisions based on this content.
In this video, I sit down with top mortgage broker, Andrew Clothier, to demystify everything you need to know about property finance in the UK – from the truth behind those “too good to be true” mortgage rates to the exact steps you need to follow if you're refinancing, using a joint venture, or relying on overseas funds.
Far too many people come to me and say they “can’t get a mortgage” – but that’s only because they’ve asked one bank. There are hundreds of lenders out there, and getting the right mortgage is all about knowing how to structure the deal and which lender to approach for your specific circumstances. Whether you're a new investor or scaling your property portfolio, this conversation is packed with insider knowledge that could save – or make – you thousands of pounds.
💡 Plus, I reveal how I personally deal with valuers, what not to say during a refinance, and why being declined by a lender is often just a sign to ask a better question.
🔑 KEY TOPICS COVERED:
→ Why your bank declining you means nothing – and how to approach other lenders
→ The truth about “fake” low interest rates and massive hidden fees
→ How to avoid refinance down valuations and maximise your end value
→ Offset mortgages and creative finance strategies that still work
→ What a mortgage broker really does and why they’re essential in your power team
→ Exit strategies for bridging loans – and why plan B is essential
→ The inside scoop on 100% mortgages and whether they’re worth it
→ Why lenders are finally getting more flexible with underwriting
→ What makes a property “unmortgageable” and how to spot it before it’s too late
➡️ It all starts with a Crash Course! Book your spot at Samuel Leeds' next course: https://www.samuelleeds.com/slptour
USEFUL LINKS:
🎥 WATCH: ALL NEW Success Stories Channel: https://www.youtube.com/@UCuMZkB9CLBpjuviJ6Ljzd_w
📖 READ: My latest best-selling book: https://www.samuelleeds.com/FOMPOD
♟️ PLAY: Get the Property Millionaire board game: https://www.samuelleeds.com/ytbg
❓ Have a question about property? Join my Property Facebook Group: https://www.facebook.com/groups/778613042238071
🗣️ FOLLOW ME ON SOCIAL MEDIA:
→ YouTube: https://www.youtube.com/@SamuelLeeds
→ Instagram: https://www.instagram.com/samuelleeds
→ TikTok: https://www.tiktok.com/@samuel_leeds
→ Facebook: https://www.facebook.com/OfficialSamuelLeeds/
→ Twitter: https://twitter.com/samuel_leeds
→ LinkedIn: https://www.linkedin.com/in/samuel-leeds-64660683
We are always looking for interesting podcast guests:
For collaboration enquiries, please email marketing@samuelleeds.com
DISCLAIMER All information, including dates, figures, links, and references mentioned in this video, is accurate and valid at the time of filming. Please note that circumstances may change over time, and we recommend double-checking any details before making decisions based on this content.