ASK487: Should I invest instead of buying a home? PLUS: Is this ground rent a dealbreaker?
Update: 2025-07-29
Description
Happy Tuesday! It’s time for Rob & Rob to answer two more great questions from our listeners!
- (0:46 ) Sam’s a first-time buyer and has found a property that looks like a great investment. He knows getting a buy-to-let mortgage might be tricky, so he’s considering using a residential mortgage with consent to let. He asks Rob & Rob whether this is a smart strategy and for their take on this approach.
- (4:07 ) Karan’s in the process of buying a property in London but has hit a roadblock after discovering the lease includes a ground rent clause with no cap on future increases, which is making his lender nervous. They’re asking for a deed of variation, which the management company is happy to do, if the seller pays a £10k fee. He wants to know if his lender’s being overly cautious, if the fee is excessive, and how to avoid ending up with a problematic asset.
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