Gary Sinise is an award winning actor, on the stage, TV and big screen. He is best known for playing Lieutenant Dan in Forrest Gump. Inspired by this role and his family members, Gary is now the head of the Gary Sinise Foundation, which offers support for service members who need help with mental wellness, trauma, physical recovery, and loss. He Also plays concerts worldwide for our nation’s defenders and their families, boosting morale and offering gratitude for their sacrifices as part of the Lt. Dan Band. Jay and Gary discuss the changing needs of American service members and their families, the many services the Gary Sinise Foundation provides, how Gary’s work helped him through personal loss and much more. Today's episode was produced by Tani Levitt and Mijon Zulu. To check out more episodes or to learn more about the show, you can visit our website Allaboutchangepodcast.com. If you like our show, spread the word, tell a friend or family member, or leave us a review on your favorite podcasting app. We really appreciate it. All About Change is produced by the Ruderman Family Foundation. Episode Chapters (0:00) intro (1:11) Veterans’ changing needs over the past half century (7:57) Veterans’ appreciation of Gary’s portrayal of Lt. Dan (10:25) By helping others, we step out of ourselves (11:46) The Lt. Dan Band (15:29) How the death of Gary’s son Mac impacts his activism (17:33) Bringing services to American heroes wherever they are (19:45) Accurate portrayals of veterans in film and TV (20:58) How can people get involved with the Gary Sinise foundation (24:24) Goodbye For video episodes, watch on www.youtube.com/@therudermanfamilyfoundation Stay in touch: X: @JayRuderman | @RudermanFdn LinkedIn: Jay Ruderman | Ruderman Family Foundation Instagram: All About Change Podcast | Ruderman Family Foundation To learn more about the podcast, visit https://allaboutchangepodcast.com/ Looking for more insights into the world of activism? Be sure to check out Jay’s brand new book, Find Your Fight , in which Jay teaches the next generation of activists and advocates how to step up and bring about lasting change. You can find Find Your Fight wherever you buy your books, and you can learn more about it at www.jayruderman.com .…
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Inhalt bereitgestellt von HCH Financial Services. Alle Podcast-Inhalte, einschließlich Episoden, Grafiken und Podcast-Beschreibungen, werden direkt von HCH Financial Services oder seinem Podcast-Plattformpartner hochgeladen und bereitgestellt. Wenn Sie glauben, dass jemand Ihr urheberrechtlich geschütztes Werk ohne Ihre Erlaubnis nutzt, können Sie dem hier beschriebenen Verfahren folgen https://de.player.fm/legal.
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
14 Episoden
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What now? You might be able to find a more up-to-date version using the search function. This series will no longer be checked for updates. If you believe this to be in error, please check if the publisher's feed link below is valid and contact support to request the feed be restored or if you have any other concerns about this.
Manage series 3547024
Inhalt bereitgestellt von HCH Financial Services. Alle Podcast-Inhalte, einschließlich Episoden, Grafiken und Podcast-Beschreibungen, werden direkt von HCH Financial Services oder seinem Podcast-Plattformpartner hochgeladen und bereitgestellt. Wenn Sie glauben, dass jemand Ihr urheberrechtlich geschütztes Werk ohne Ihre Erlaubnis nutzt, können Sie dem hier beschriebenen Verfahren folgen https://de.player.fm/legal.
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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In this episode of the HCH Mortgage Podcast, host James Varley chats with Samantha Turmaine from HCH Financial Services about all things mortgages. From preparing for remortgaging to insights into the 2025 mortgage market, this episode is packed with practical advice for homeowners and investors alike. Whether you’re a holiday let owner, a homeowner considering equity release, or an investor looking to scale, this episode has something for you. Subscribe for more expert advice on mortgages, short-term rentals, and property investment. 2:30 How to prepare for remortgaging 3:52 Speak to a broker! 4:31 When to start and what lenders want to know 6:28 Common pitfalls when people are remortgaging 7:58 Holiday let owners who aren’t earning what they’d expect 9:19 The options available to homeowners who want to release equity 10:19 The options available to investors who want to scale 11:27 HCH Financial Services covers all your mortgage needs 11:57 What to expect from the mortgage market in 2025 Links: HCH Financial Services: https://www.hchfs.com/ Call: 0333 1234 536 Email: advice@hchfs.com Samantha Turmaine: https://www.linkedin.com/in/samantha-turmaine-mlibf-cemap-cerer-97a1b298/ Get your free ticket for Your Air Success on Friday 4 April in London: https://www.holidaycottagehandbook.com/yourairsuccess James Varley: https://www.linkedin.com/in/jdsvarley/ Holiday Cottage Handbook: https://www.holidaycottagehandbook.com/ Free downloads: The Ultimate Guide to Short-Term Rentals: https://www.holidaycottagehandbook.com/e-book Guest Communication 101 for Direct Bookings: https://www.holidaycottagehandbook.com/hospitable How to Navigate London's 90-Day Short-Term Rentals Limit: https://www.holidaycottagehandbook.com/your-airhost Contact the show: https://www.holidaycottagehandbook.com/contact…
In this episode of the HCH Mortgage Podcast, the team focus on why mortgage rates are rising despite the Bank of England holding the base rate at 4.75%. Join James Varley, Founder of Holiday Cottage Handbook, and Samantha Turmaine, Lead Consultant at HCH Financial Services, as they discuss interest rates, market sentiment, and outline how you can release cash from an unencumbered holiday rental. 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. 2:25 Interest rates held at 4.75% 2:49 Current market sentiment: people are holding fire 3:46 Reaction from lenders 4:50 Releasing funds for home improvements 6:43 There are options out there to release your cash from unencumbered properties 7:19 The best mortgage products currently available 9:00 Assessment of 2024 Links: HCH Financial Services: https://www.hchfs.com/ Call: 0333 1234 536 Email: advice@hchfs.com Get your free ticket for Your Air Success on Friday 4 April in London: https://www.holidaycottagehandbook.com/yourairsuccess Holiday Cottage Handbook website: https://www.holidaycottagehandbook.com/ Free e-book: https://www.holidaycottagehandbook.com/e-book Podcast: https://www.holidaycottagehandbook.com/podcast HCH Bitesize: https://www.holidaycottagehandbook.com/hch-bitesize-podcast A-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…
In this episode of the HCH Mortgage Podcast, we delve into market sentiment after the budget, discuss interest rates, and outline two case studies, including one about helping a family member onto the property ladder. Join James Varley, Founder of the Holiday Cottage Handbook, and Samantha Turmaine, Lead Consultant at HCH Financial Services, as they discuss these issues and outline the most competitive rates on the market. 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. 1:31 Sentiment after the budget: business as usual 2:35 The Bank of England has cut the base rate, but some products have gone up! 4:10 Case study: multi-unit complex family structure 6:37 Mortgage applications with multiple owners 7:24 Equity release with a holiday let property 8:22 Case study: helping their daughter get on the property ladder 10:40 The best mortgage rates currently on the market Links: HCH Financial Services: https://www.hchfs.com/ Call: 0333 1234 536 Email: advice@hchfs.com Holiday Cottage Handbook website: https://www.holidaycottagehandbook.com/ Free e-book: https://www.holidaycottagehandbook.com/e-book Podcast: https://www.holidaycottagehandbook.com/podcast HCH Bitesize: https://www.holidaycottagehandbook.com/hch-bitesize-podcast A-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 #HolidayLetMortgages #ShortTermRentals #PropertyInvestment #FinancialServices #RealEstate #Mortgages #Investing short-term rental mortgages, property management for STR, mortgage advice for landlords, rental market trends, HCH Financial Services…
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 experts 8:06 Current market sentiment 9:42 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.com Call: 0333 1234 536 Email: advice@hchfs.com Holiday Cottage Handbook website: https://www.holidaycottagehandbook.com/ Free e-book: https://www.holidaycottagehandbook.com/e-book Newsletter: https://www.holidaycottagehandbook.com/newsletter Podcast: https://www.holidaycottagehandbook.com/podcast A-Z of STR: https://www.holidaycottagehandbook.com/a-z-of-str Get your free ticket for Your Air Success: https://www.holidaycottagehandbook.com/yourairhost 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…
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 regime 5:43 More lenders are offering flexible products for buy to let and short-term rentals 6:27 Disparity between limited company and personal name mortgages has almost vanished 6:49 Case study No. 1: refurbishment in Wales 9:15 Case study No. 2: rundown properties in London 10:26 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.com Call: 0333 1234 536 Email: advice@hchfs.com Holiday Cottage Handbook website: https://www.holidaycottagehandbook.com/ Free e-book: https://www.holidaycottagehandbook.com/e-book Newsletter: https://www.holidaycottagehandbook.com/ Podcast: https://www.holidaycottagehandbook.com/podcast A-Z of STR: https://www.holidaycottagehandbook.com/a-z-of-str Get your free ticket for STR Zone: https://www.holidaycottagehandbook.com/str-zone Get your free ticket for Your Air Success: https://www.holidaycottagehandbook.com/yourairhost 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…
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 regime 5:43 Advice to people who are worried: speak to the experts 6:28 Advice to people starting out: do your research 7:43 Support the sector, sign petitions, write to your MP 8:48 The best mortgage rates currently available 10:24 Seasoned investors might wait for lower rates Links: HCH Financial Services: www.hchfs.com Call: 0333 1234 536 Email: advice@hchfs.com Holiday Cottage Handbook website: https://www.holidaycottagehandbook.com/ Free e-book: https://www.holidaycottagehandbook.com/e-book Newsletter: https://www.holidaycottagehandbook.com/ Podcast: https://www.holidaycottagehandbook.com/podcast A-Z of STR: https://www.holidaycottagehandbook.com/a-z-of-str Get your free ticket for STR Zone: https://www.holidaycottagehandbook.com/str-zone Get your free ticket for Your Air Success: https://www.holidaycottagehandbook.com/yourairhost 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…
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 investors 2:48 There are more empty homes than holiday lets 3:18 Will the Bank of England cut interest rates in August? 3:59 Some investors are waiting before buying more property 6:09 Will buy-to-let investors shift to short-term rentals? 7:21 Labour has been very quiet about its plans for holiday lets 8:46 Labour urged to look at the bigger picture (economic growth) 9:55 Be aware of potential new rules before investing 11:07 HCH Financial Services will help you create a bespoke investment strategy 11:35 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 later 14:27 Don’t end up on the standard variable rate! Links: HCH Financial Services: www.hchfs.com Call: 0333 1234 536 Email: advice@hchfs.com Holiday Cottage Handbook website: https://www.holidaycottagehandbook.com/ Free e-book: https://www.holidaycottagehandbook.com/e-book Newsletter: https://www.holidaycottagehandbook.com/ Podcast: https://www.holidaycottagehandbook.com/podcast A-Z of STR: https://www.holidaycottagehandbook.com/a-z-of-str Get your free ticket for STR Zone: https://www.holidaycottagehandbook.com/str-zone 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…
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 government 14:17 Older borrowers are buying holiday lets 16:40 Borrowing options for senior investors 20:42 The best holiday let mortgage rates currently available Links: HCH Financial Services: www.hchfs.com Call: 0333 1234 536 Email: advice@hchfs.com Holiday Cottage Handbook website: https://www.holidaycottagehandbook.com/ Free e-book: https://www.holidaycottagehandbook.com/e-book Newsletter: https://www.holidaycottagehandbook.com/ Podcast: https://www.holidaycottagehandbook.com/podcast A-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…
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 landscape 4:10 How holiday let insurance differs to standard home insurance 5:29 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 Airbnb 9:02 The types of insurance add-ons can people have 9:57 How you can keep your premium as low as possible 11:18 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 policy 12:32 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.com Call: 0333 1234 536 Email: advice@hchfs.com Holiday Cottage Handbook website: https://www.holidaycottagehandbook.com/ Free e-book: https://www.holidaycottagehandbook.com/e-book Newsletter: https://www.holidaycottagehandbook.com/ Podcast: https://www.holidaycottagehandbook.com/podcast A-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…
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 company 4:23 The differences between a personal name mortgage and limited company mortgage 5:27 What you need to do to set up a limited company 6:48 What lenders are looking for from limited company mortgage applications 8:10 Making sure you achieve the 125% revenue to mortgage cost ratio 8:58 Buying through a limited company depends on personal circumstances 9:54 Should investors looking to scale switch from a personal name structure to limited company vehicle? 10:50 Good advice is paramount for investors 11:50 The best limited company mortgage rates 12:50 The best mortgage rates for personal name products Links: HCH Financial Services: www.hchfs.com Call: 0333 1234 536 Email: advice@hchfs.com Holiday Cottage Handbook website: https://www.holidaycottagehandbook.com/ Free e-book: https://www.holidaycottagehandbook.com/e-book Newsletter: https://www.holidaycottagehandbook.com/ Podcast: https://www.holidaycottagehandbook.com/podcast A-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…
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 panic 5:28 Advice to people currently applying for holiday let mortgages 6:50 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 company 14:54 What lenders are looking for when you buy through a limited company 15:55 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 market 19:09 Come and meet the team at Holiday Cottage Handbook LIVE 20:08 The cheapest mortgage deals currently available on the market Links: HCH Financial Services: www.hchfs.com Call: 0333 1234 536 Email: advice@hchfs.com Holiday Cottage Handbook website: https://www.holidaycottagehandbook.com/ Free e-book: https://www.holidaycottagehandbook.com/e-book Newsletter: https://www.holidaycottagehandbook.com/ Podcast: https://www.holidaycottagehandbook.com/podcast A-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/ Holiday Cottage Handbook LIVE: https://www.holidaycottagehandbook.com/post/two-months-to-go-until-holiday-cottage-handbook-live Download your free e-ticket: https://propertyinvestor.smartreg.co.uk/Visitors/Visitors/register?promoid=WEBSITE Enter our free prize draw: https://www.holidaycottagehandbook.com/hch-live-competition…
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 mortgages 3:08 Why investors tend to opt for interest-only products 4:10 The cost difference between interest-only and repayment deals 5:16 Interest-only options help to pass lender stress tests 6:18 Repayment strategies for interest-only mortgages 7:25 Selling the property is another repayment strategy 7:57 How mortgage overpayments work 9:40 Investors looking to scale will focus funds on acquiring properties 10:16 60% opt for interest-only, 35% self-fund, and 5% use repayment products 11:32 How interest-only products can be a wealth creation tool 14:52 The best holiday let mortgages currently available (fixed, variable, and tracker) Links: HCH Financial Services: www.hchfs.co.uk Call: 0333 1234 536 Email: advice@hchfs.co.uk Holiday Cottage Handbook Free e-book Newsletter Podcast A-Z of Short-Term Rentals James Varley Samantha Turmaine…
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 product 3:45 Variable rate holiday let mortgages, including tracker, standard variable rate, and discounted variable rate 5:29 Variable rate products tend to have lower rates and offer more flexibility to borrowers 7:06 Explaining the standard variable rate 9:43 Tracker rate holiday let mortgages 10:40 Discounted variable rate holiday let mortgages 11:43 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.uk Call: 0333 1234 536 Email: advice@hchfs.co.uk Holiday Cottage Handbook Free e-book Newsletter Podcast A-Z of Short-Term Rentals Email the show: james@holidaycottagehandbook.com…
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 12 key facts about holiday let mortgages. 2:50 Purpose of the mortgage 5:13 Rental income consideration 6:58 Deposit 7:46 Interest rates 8:34 Best mortgage products on the market 9:02 Rates seem to be on a downward trajectory 9:47 More lenders are offering holiday let mortgages 10:38 Rental coverage ratio 12:25 Seasonal income considerations 13:48 Lenders will look closely at the location 15:30 Use restrictions 16:50 Minimum income requirements 18:10 Self-employment and property experience 19:07 Specialist lenders 20:38 Tax implications 21:50 Regulatory considerations Links: HCH Financial Services: www.hchfs.co.uk Call: 0333 12345 36 Email: advice@hchfs.co.uk Holiday Cottage Handbook Free e-book Newsletter Podcast A-Z of Short-Term Rentals Sykes Holiday Cottages Email the show: james@holidaycottagehandbook.com…
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