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HCH Mortgage Podcast

Everything you need to know about holiday let mortgages.

This podcast is brought to you by HCH Financial Services, which is powered by Holiday Cottage Handbook and HD Consultants.

Presented by James Varley, Founder, Holiday Cottage Handbook.

For mortgage advice:

Call: 0333 1234 536
Email: advice@hchfs.co.uk
Visit www.hchfs.co.uk

For a host of free resources for short-term rental hosts and property managers, visit www.holidaycottagehandbook.com 

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Last Episode Date: 27 October 2024

Total Episodes: 11

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27 October 2024
Why investors are switching from BTL to STR

The HCH Mortgage Podcast shares everything you need to know about holiday let mortgages.The show is brought to you by HCH Financial Services, which offers access to a comprehensive range of holiday let products, in addition to providing life insurance, will writing, and other services.In today’s episode, Holiday Cottage Handbook Founder, James Varley, and Samantha Turmaine, Lead Consultant, HCH Financial Services, discuss why some investors are switching from buy to let to short-term rentals. They also talk about market sentiment, interest rates, and the upcoming Your Air Success - a free event for STR investors, hosts, property managers, and industry professionals - which will be held in London on Friday 8 November.If you need a mortgage or would like to discuss your investment strategy, contact HCH Financial Services today. Call 0333 1234 536 or email advice@hchfs.com.1:49 Switching from buy to let to short-term rentals 4:04 Some STR investors are changing strategy 5:41 What you need to know if you switch 6:32 Want to switch? Speak to the experts8:06 Current market sentiment9:42 Inflation down; interest rates down?10:54 The best mortgage options on the market 12:25 Join us for Your Air Success on Friday 8 November (free event for STR hosts and property managers) Links:HCH Financial Services: www.hchfs.comCall: 0333 1234 536Email: advice@hchfs.comHoliday Cottage Handbook website: https://www.holidaycottagehandbook.com/Free e-book: https://www.holidaycottagehandbook.com/e-bookNewsletter: https://www.holidaycottagehandbook.com/newsletterPodcast: https://www.holidaycottagehandbook.com/podcastA-Z of STR: https://www.holidaycottagehandbook.com/a-z-of-strGet your free ticket for Your Air Success: https://www.holidaycottagehandbook.com/yourairhostJames Varley: https://www.linkedin.com/in/jdsvarley/   Samantha Turmaine: https://www.linkedin.com/in/samantha-turmaine-mlibf-cemap-cerer-97a1b298/Email the show: james@holidaycottagehandbook.com

14 min
29 September 2024
Mortgage rates continue to drop

The HCH Mortgage Podcast shares everything you need to know about holiday let mortgages.The show is brought to you by HCH Financial Services, which offers access to a comprehensive range of holiday let products, in addition to providing life insurance, will writing, and other services.In today’s episode, Holiday Cottage Handbook Founder, James Varley, and Samantha Turmaine, Lead Consultant, HCH Financial Services, discuss falling interest rates, current market sentiment, and the furnished holiday lettings tax regime. Additionally, Samantha outlines two client case studies and details the best mortgage deals currently on the market, which start from just 4.1% for personal name borrowers.If you need a mortgage or would like to discuss your investment strategy, contact the HCH Financial Services today. Call 0333 1234 536 or email advice@hchfs.com.1:44 Interest rates are on a downward trajectory 2:15 One more cut before the end of the year?2:46 Client sentiment: investors are waiting for the budget 4:02 Landlords in the private rented sector are worried about removing tenants 4:38 Thoughts on the furnished holiday lettings tax regime5:43 More lenders are offering flexible products for buy to let and short-term rentals6:27 Disparity between limited company and personal name mortgages has almost vanished 6:49 Case study No. 1: refurbishment in Wales9:15 Case study No. 2: rundown properties in London10:26 The best deals currently available, starting from just 4.1%13:49 Property Investor Show at ExCeL London on 4-5 October Links:HCH Financial Services: www.hchfs.comCall: 0333 1234 536Email: advice@hchfs.comHoliday Cottage Handbook website: https://www.holidaycottagehandbook.com/Free e-book: https://www.holidaycottagehandbook.com/e-bookNewsletter: https://www.holidaycottagehandbook.com/Podcast: https://www.holidaycottagehandbook.com/podcastA-Z of STR: https://www.holidaycottagehandbook.com/a-z-of-strGet your free ticket for STR Zone: https://www.holidaycottagehandbook.com/str-zoneGet your free ticket for Your Air Success: https://www.holidaycottagehandbook.com/yourairhostJames Varley: https://www.linkedin.com/in/jdsvarley/Samantha Turmaine: https://www.linkedin.com/in/samantha-turmaine-mlibf-cemap-cerer-97a1b298/Email the show: james@holidaycottagehandbook.com

15 min
25 August 2024
Good news and bad news for holiday let investors

The HCH Mortgage Podcast shares everything you need to know about holiday let mortgages.The show is brought to you by HCH Financial Services, which offers access to a comprehensive range of holiday let products, in addition to providing life insurance, will writing, and other services.In today’s episode, Holiday Cottage Handbook Founder, James Varley, and Samantha Turmaine, Lead Consultant, HCH Financial Services, discuss the cut in interest rates, the proposed abolishment of the furnished holiday lettings tax regime, and outline the best deals currently on the market.1:52 Interest rates have been cut 2:38 Investors are more confident 3:29 Will we see another cut by the end of 2024?4:48 Reaction to abolishing the FHL tax regime5:43 Advice to people who are worried: speak to the experts6:28 Advice to people starting out: do your research7:43 Support the sector, sign petitions, write to your MP8:48 The best mortgage rates currently available 10:24 Seasoned investors might wait for lower rates Links:HCH Financial Services: www.hchfs.comCall: 0333 1234 536Email: advice@hchfs.comHoliday Cottage Handbook website: https://www.holidaycottagehandbook.com/Free e-book: https://www.holidaycottagehandbook.com/e-bookNewsletter: https://www.holidaycottagehandbook.com/Podcast: https://www.holidaycottagehandbook.com/podcastA-Z of STR: https://www.holidaycottagehandbook.com/a-z-of-strGet your free ticket for STR Zone: https://www.holidaycottagehandbook.com/str-zoneGet your free ticket for Your Air Success: https://www.holidaycottagehandbook.com/yourairhostJames Varley: https://www.linkedin.com/in/jdsvarley/Samantha Turmaine: https://www.linkedin.com/in/samantha-turmaine-mlibf-cemap-cerer-97a1b298/Email the show: james@holidaycottagehandbook.com

11 min
28 July 2024
How will Labour deal with holiday lets?

The HCH Mortgage Podcast shares everything you need to know about holiday let mortgages.The show is brought to you by HCH Financial Services, which offers access to a comprehensive range of holiday let products, in addition to providing life insurance, will writing, and other services.In today’s episode, Holiday Cottage Handbook Founder, James Varley, and Samantha Turmaine, Lead Consultant, HCH Financial Services, discuss the impact of the general election on investors, plus interest rates and why you should lock in a good deal now if you’re nearing the end of your mortgage term.1:59 The impact of the new UK government on holiday let investors2:48 There are more empty homes than holiday lets3:18 Will the Bank of England cut interest rates in August?3:59 Some investors are waiting before buying more property6:09 Will buy-to-let investors shift to short-term rentals?7:21 Labour has been very quiet about its plans for holiday lets8:46 Labour urged to look at the bigger picture (economic growth)9:55 Be aware of potential new rules before investing11:07 HCH Financial Services will help you create a bespoke investment strategy11:35 Mortgage rates are decreasing! Two-year fixed rates are starting at 5.2%12:20 Limited company rates are starting at 5.5%13:19 Lock in the best rates now and switch to a better product later14:27 Don’t end up on the standard variable rate!Links:HCH Financial Services: www.hchfs.comCall: 0333 1234 536Email: advice@hchfs.comHoliday Cottage Handbook website: https://www.holidaycottagehandbook.com/Free e-book: https://www.holidaycottagehandbook.com/e-bookNewsletter: https://www.holidaycottagehandbook.com/Podcast: https://www.holidaycottagehandbook.com/podcastA-Z of STR: https://www.holidaycottagehandbook.com/a-z-of-strGet your free ticket for STR Zone: https://www.holidaycottagehandbook.com/str-zoneJames Varley: https://www.linkedin.com/in/jdsvarley/Samantha Turmaine: https://www.linkedin.com/in/samantha-turmaine-mlibf-cemap-cerer-97a1b298/Email the show: james@holidaycottagehandbook.com

15 min
23 June 2024
Borrowing options for senior investors

The HCH Mortgage Podcast shares everything you need to know about holiday let mortgages. The show is brought to you by HCH Financial Services, which offers access to a comprehensive range of holiday let products, in addition to providing life insurance, will writing, and other services. In today’s episode, Holiday Cottage Handbook Founder, James Varley, and Howard Reuben, Principal, HCH Financial Services, discuss interest rates, party manifestos ahead of the upcoming general election, borrowing prospects for older investors, and outline the best deals currently on the market. 2:04 The Bank of England holds the base rate at 5.25%5:48 Good news about inflation dropping to 2%7:52 Investors are concerned about a change of government14:17 Older borrowers are buying holiday lets 16:40 Borrowing options for senior investors20:42 The best holiday let mortgage rates currently available Links: HCH Financial Services: www.hchfs.comCall: 0333 1234 536Email: advice@hchfs.com Holiday Cottage Handbook website: https://www.holidaycottagehandbook.com/Free e-book: https://www.holidaycottagehandbook.com/e-bookNewsletter: https://www.holidaycottagehandbook.com/Podcast: https://www.holidaycottagehandbook.com/podcastA-Z of STR: https://www.holidaycottagehandbook.com/a-z-of-str James Varley: https://www.linkedin.com/in/jdsvarley/Howard Reuben: https://www.linkedin.com/in/howardreuben/ Email the show: james@holidaycottagehandbook.com 

26 min
26 May 2024
General election, interest rates, and insurance

The HCH Mortgage Podcast shares everything you need to know about holiday let mortgages. The show is brought to you by HCH Financial Services, which offers access to a comprehensive range of holiday let products, in addition to providing life insurance, will writing, and other services. In today’s episode, Holiday Cottage Handbook Founder, James Varley, and Samantha Turmaine, Lead Consultant for HCH Financial Services, discuss interest rates, the upcoming general election, and holiday let insurance. 1:41 Interest rates appear to be heading in the right direction (lower!)2:46 How a general election might change the property landscape4:10 How holiday let insurance differs to standard home insurance5:29 Will a lender insist on holiday let insurance?5:55 The types of insurance coverage included 8:09 Some online travel agencies provide insurance – like AirCover from Airbnb9:02 The types of insurance add-ons can people have9:57 How you can keep your premium as low as possible11:18 Your housekeeping team is your first line of defence 11:40 HCH Financial Services works with 42 different insurers – to help you find the perfect policy12:32 The best fixed rate holiday let mortgages 14:29 The best variable and tracker rate holiday let mortgages 15:31 The best limited company holiday let mortgages  Links: HCH Financial Services: www.hchfs.comCall: 0333 1234 536Email: advice@hchfs.com Holiday Cottage Handbook website: https://www.holidaycottagehandbook.com/Free e-book: https://www.holidaycottagehandbook.com/e-bookNewsletter: https://www.holidaycottagehandbook.com/Podcast: https://www.holidaycottagehandbook.com/podcastA-Z of STR: https://www.holidaycottagehandbook.com/a-z-of-str James Varley: https://www.linkedin.com/in/jdsvarley/Samantha Turmaine: https://www.linkedin.com/in/samantha-turmaine-mlibf-cemap-cerer-97a1b298/ Email the show: james@holidaycottagehandbook.com

16 min
28 April 2024
Why you should invest through a limited company

The HCH Mortgage Podcast shares everything you need to know about holiday let mortgages. The show is brought to you by HCH Financial Services, which offers access to a comprehensive range of holiday let products, in addition to providing life insurance, will writing, and other services. In today’s episode, Holiday Cottage Handbook Founder, James Varley, and Samantha Turmaine, Lead Consultant for HCH Financial Services, look at the pros and cons of investing in holiday lets through a limited company. 2:29 What is a limited company mortgage?3:27 The advantages of investing through a limited company4:23 The differences between a personal name mortgage and limited company mortgage5:27 What you need to do to set up a limited company6:48 What lenders are looking for from limited company mortgage applications8:10 Making sure you achieve the 125% revenue to mortgage cost ratio8:58 Buying through a limited company depends on personal circumstances9:54 Should investors looking to scale switch from a personal name structure to limited company vehicle?10:50 Good advice is paramount for investors11:50 The best limited company mortgage rates12:50 The best mortgage rates for personal name products Links: HCH Financial Services: www.hchfs.comCall: 0333 1234 536Email: advice@hchfs.com Holiday Cottage Handbook website: https://www.holidaycottagehandbook.com/Free e-book: https://www.holidaycottagehandbook.com/e-bookNewsletter: https://www.holidaycottagehandbook.com/Podcast: https://www.holidaycottagehandbook.com/podcastA-Z of STR: https://www.holidaycottagehandbook.com/a-z-of-str James Varley: https://www.linkedin.com/in/jdsvarley/Samantha Turmaine: https://www.linkedin.com/in/samantha-turmaine-mlibf-cemap-cerer-97a1b298/ Email the show: james@holidaycottagehandbook.com

14 min
25 March 2024
Reaction to abolishing FHL tax regime

The HCH Mortgage Podcast shares everything you need to know about holiday let mortgages. The show is brought to you by HCH Financial Services – a new brand powered by Holiday Cottage Handbook and HD Consultants. HCH Financial Services offers access to a comprehensive range of holiday let products, in addition to providing life insurance, will writing, and other services. During episode four, Holiday Cottage Handbook Founder, James Varley, and Samantha Turmaine, Lead Consultant for HCH Financial Services, react to the UK government’s announcement that the furnished holiday lettings tax regime will be abolished. 1:54 The Bank of England holds interest rates at 5.25%2:24 Lenders are expected to start reducing their rates this year 3:18 Reaction to the spring budget: now is not the time to panic5:28 Advice to people currently applying for holiday let mortgages6:50 Challenges present opportunities 8:02 Should I own my properties through a limited company?10:22 The cost of transferring from your personal name to a limited company14:54 What lenders are looking for when you buy through a limited company15:55 About 10 lenders are offering holiday let mortgages to limited companies 16:41 Holiday lets remain an exceptional investment opportunity 17:54 HCH Financial Services can help you navigate the market19:09 Come and meet the team at Holiday Cottage Handbook LIVE20:08 The cheapest mortgage deals currently available on the market  Links: HCH Financial Services: www.hchfs.comCall: 0333 1234 536Email: advice@hchfs.comHoliday Cottage Handbook website: https://www.holidaycottagehandbook.com/Free e-book: https://www.holidaycottagehandbook.com/e-bookNewsletter: https://www.holidaycottagehandbook.com/Podcast: https://www.holidaycottagehandbook.com/podcastA-Z of STR: https://www.holidaycottagehandbook.com/a-z-of-strJames Varley: https://www.linkedin.com/in/jdsvarley/Samantha Turmaine: https://www.linkedin.com/in/samantha-turmaine-mlibf-cemap-cerer-97a1b298/Holiday Cottage Handbook LIVE: https://www.holidaycottagehandbook.com/post/two-months-to-go-until-holiday-cottage-handbook-liveDownload your free e-ticket: https://propertyinvestor.smartreg.co.uk/Visitors/Visitors/register?promoid=WEBSITEEnter our free prize draw: https://www.holidaycottagehandbook.com/hch-live-competition     

23 min
26 February 2024
The difference between interest-only and repayment holiday let mortgages

The HCH Mortgage Podcast shares everything you need to know about holiday let mortgages. The show is brought to you by HCH Financial Services – a new brand powered by Holiday Cottage Handbook and HD Consultants. HCH Financial Services offers access to a comprehensive range of holiday let products, in addition to providing life insurance, will writing, and other services. In today’s episode, Holiday Cottage Handbook Founder, James Varley, and Samantha Turmaine, Lead Consultant for HCH Financial Services, outline the differences between interest-only and repayment mortgages. 2:09 The key facts about interest-only and repayment mortgages3:08 Why investors tend to opt for interest-only products4:10 The cost difference between interest-only and repayment deals5:16 Interest-only options help to pass lender stress tests6:18 Repayment strategies for interest-only mortgages7:25 Selling the property is another repayment strategy 7:57 How mortgage overpayments work 9:40 Investors looking to scale will focus funds on acquiring properties10:16 60% opt for interest-only, 35% self-fund, and 5% use repayment products11:32 How interest-only products can be a wealth creation tool14:52 The best holiday let mortgages currently available (fixed, variable, and tracker) Links: HCH Financial Services: www.hchfs.co.ukCall: 0333 1234 536Email: advice@hchfs.co.ukHoliday Cottage HandbookFree e-bookNewsletterPodcastA-Z of Short-Term RentalsJames VarleySamantha Turmaine     

17 min
29 January 2024
The different types of holiday let mortgage

The HCH Mortgage Podcast shares everything you need to know about holiday let mortgages. The show is brought to you by HCH Financial Services – a new brand powered by Holiday Cottage Handbook and HD Consultants. HCH Financial Services offers access to a comprehensive range of holiday let products, in addition to providing life insurance, will writing, and other services. The show is hosted by Holiday Cottage Handbook Founder, James Varley. Today’s special guest is Samantha Turmaine, Lead Consultant for HCH Financial Services. James and Samantha outline the various types of mortgages, including fixed, variable, tracker, and discounted. 2:01 Fixed rate holiday let mortgages 2:49 First-time landlords often take a fixed rate product3:45 Variable rate holiday let mortgages, including tracker, standard variable rate, and discounted variable rate5:29 Variable rate products tend to have lower rates and offer more flexibility to borrowers7:06 Explaining the standard variable rate 9:43 Tracker rate holiday let mortgages 10:40 Discounted variable rate holiday let mortgages11:43 The most popular products right now 13:06 Interest-only or repayment?14:46 Best two-year fixed rate: 4.8% (but a 4% arrangement fee)15:15 Best five-year fixed rate: 5.59% (£995 fee) Links: HCH Financial Services: www.hchfs.co.ukCall: 0333 1234 536Email: advice@hchfs.co.ukHoliday Cottage HandbookFree e-bookNewsletterPodcastA-Z of Short-Term Rentals Email the show: james@holidaycottagehandbook.com    

16 min
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