I spoke with Daryl Norkett the Head of Real Estate Proposition at Shawbrook Bank, one of the biggest Buy to Let and property investment lenders to discuss how mortgages work from the banks point of view.

You can also watch this episode on our youtube channel https://youtube.com/@rodcastITP?si=MbqPWAGHJEmlvcfZ please don't forget to subscribe and hit the bell icon.

This episode is vital listening for investors concerned about mortgage costs and who want to understand which factors affect pricing.

With the emphasis being on SWAP rates for the last year or two, hear how deposit led banks could be affecting mortgage pricing in this higher rate environment

Daryl gives a great run down of what has been happening in the mortgage market over the past 12 months.

What he feels needs to happen in order for mortgage rates to go down and what the time lag between those events happening and the price cuts occurring will be.

What makes some lenders pull mortgage deals while others wont need to.

How the high arrangement fees on many mortgage products affect the banks risk in terms of loan to values.

And lots more ...

How National Insurance cuts and fiscal drag can affect property investors portfolios in different ways.

- If you have requirements for Buy to let mortgages, commercial mortgages, Development loans or bridging Loans then please contact simon@978finance.com our sponsor who has done an amazing job of financing all aspects of my portfolio.

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