How can I beat the rental stress test? PLUS: Should I get a commercial valuation on a HMO?

This week on Ask Rob & Rob, the guys are giving advice on mortgage stress tests and discussing if it’s beneficial to have a commercial valuation on a HMO property.

Our first caller this week is Tom who has a question on mortgage stress tests.

He’s got two mortgaged properties already and he’s done a pretty good job on running the numbers to try and work out his stress test figures.

But now he’s wanting to release equity from the two properties and thinks this might now affect him meeting the stress test criteria.

So what does Rob B suggest?

The second question this week comes in from Matt.

Matt’s question is around HMO finance, after looking at buying a property with his partner.

They’ve heard somewhere that they can get more of their money back out of the property, post renovation, if they have a commercial valuation done.

Is this something that they should be having done on a HMO?

Tune in to find out.


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