Refinancing can be tricky to understand if you don’t know how it works! So today I will be breaking down HOW REFINANCING WORKS! Refinancing is extremely common and nearly everyone will probably refinance at some point in their lives so it’s best to make sure you have the right understanding of it all! Let me know if the video has helped, and drop a comment below if there are any more topics that are a grey area to you and I’ll try my best to cover it!
** Please note the calculations are to a rounded figure and not the exact figures.
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00:00 – Intro
00:08 – What is it?
01:36 – Refinancing
02:50 – Inflation…(read more)
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Come on Jamie, this is kids stuff, we need a deep-dive – please talk about SONIA futures and the short-term end of the Stirling curve.
I like watching these videos but to be honest they do make it sound easier than in real life. I have a couple of properties that I rent out and remortgaging is a pain in the backside
Hi Jamie love the content! I have one question I hope you could maybe do a video on.. Do all investors only have interest only mortgages or would they have one residential mortgage and the rest interest only? I currently have around 100k of equity on my residential mortgage and was going to remortgage and invest in several BTL’s.. im wondering whether to do that and then keep the original mortgage as interest only? Thanks
Great video. Could tou make one about how to pay 0 tax on capital gains? I belive you need to start trust and reinvest gains? Thanks.
Your very first sentence is misleading and incorrect. Refinancing is not free money. You have to pay interest on it and eventually also pay the principal back. Please don't be so reckless to call it free money.
Refinancing – means borrowing more. Borrowing more means reducing cashflow. Reducing cashflow means risk for your portfolio if 1) interest rates going up 2) Some tenant decides stop paying rent 3) Unexpected maintenance cost and etc. Good luck! Don’t listen to youtubers, think about risk!
When you refinance – can you extend loan term?
How do kids take over your property and pay no tax ?
Another thing to consider may be for people that don't have kids and eventually plan on selling.
If you remortgage constantly, and in 30 years say have remortgaged at 400k, the capital gains tax bill could be waaaay more than the amount of equity remaining in the property. Therefore having a CGT bill that's unpayable.