Episode 152: Tracker vs fixed, 20 year property investment analysis

Simon and Stuart are talking about the new (much higher) mortgage stress test rates and their real world effect. Plus a real-world analysis of a tracker vs fixed mortgage rates over the last 20 years. The chat this week includes: Last weeks episode on mortgage rates. Try out the new stress rates using the PaTMa buy-to-let profit calculator. Don't miss fixed rate mortgage expiry dates with Property Manager. The scary new stress test rates - and how they look in practice. Stuart's studio flat now (including below market rent). If purchasing without a mortgage (and with market rent). GetGround research. Cash buying for higher ROI. Comparing the cost of a (real) tracker mortgage vs fixed rate mortgage(s) over the last 20 years. Bank of England base rate history. Historic fixed mortgage rates from Statista. Recent fixed mortgage rate data from the Bank of England. Simon's tracker vs fixed analysis spreadsheet. Saving £56,000 over 20 years! Find us on Twitter, YouTube or LinkedIn: Stuart, Simon. Subscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms. Please leave us a rating and review if you're enjoying the show. This podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.

Om Podcasten

The Business of Property follows the journey of two entrepreneurs working in the property world. Stuart is a property investor with a focus on HMOs, mostly for the student market. He prefers a hands-off approach with most of his investment properties being remote. Simon has a small portfolio of vanilla buy-to-let properties that he mostly self-manages. To make his property management easier he created Property and Tenant Manager (https://www.patma.co.uk/). Simon and Stuart, along with guests, discuss the ups and downs they're experiencing in their property businesses. Along the way they share property news, business tips and anything else that happens to crop up their weekly chats. Popular episodes include: Getting started in property (https://www.thebusinessofproperty.com/59) - the first in a mini series discussing topics to consider when starting in property investment. Property investment terms (https://www.thebusinessofproperty.com/12) - great if you're just getting started in property and need some help understanding the common jargon. Property strategy terms (https://www.thebusinessofproperty.com/13) - another jargon busting episode that's great if you're early in your property journey or considering changing your property strategy. Less property but relevant to everyone is a discussion on time management (https://www.thebusinessofproperty.com/10). Last but not least are a couple of episodes that talk about angel investing (https://www.thebusinessofproperty.com/14) and property finance (https://www.thebusinessofproperty.com/15) more widely.