Thank you so much for having me on your channel please stay in touch.
@SelfInvested
2 жыл бұрын
Of course!! Thank you for agreeing to do it and for being patient through all the technical issues!
@crimsonbride
2 жыл бұрын
Omg I love niche advice!! What a great collab
@clkasozi2954
2 жыл бұрын
Great discussion gents...instantly subscribed to Niche! keep up the good work Self Invested!
@SelfInvested
2 жыл бұрын
Thank you! Glad you enjoyed it ;) He’s got some great content!
@remyok96
2 жыл бұрын
Very useful
@SelfInvested
2 жыл бұрын
Glad to hear it :) Thank you for watching!
@frasera9
2 жыл бұрын
Excellent show and information! As usual @Niche Advice Limited top of his game with some excellent advice. In my personal opinion buying a house is too much of a huge purchase to risk not using a good broker.
@SelfInvested
2 жыл бұрын
Thank you! Yes, Payam was a great guest!
@dtek1832
2 жыл бұрын
Great interview! Love this dude
@SelfInvested
2 жыл бұрын
Thanks D! Yh, he’s a great guy to have on
@indiebloom2425
2 жыл бұрын
Informative as always! 👌
@SelfInvested
2 жыл бұрын
Thank you! 🙏🏿
@anthonyfaucy2761
2 жыл бұрын
Great interview. Can you make an interview with some shared ownership owners with how their rent and mortgage has increased especially since the last 2 years? Would be interesting how much costs increase and how unaffordable it gets from year to year
@SelfInvested
2 жыл бұрын
Thanks, Anthony! I've done quite a few interviews with shared owners (kzitem.info/door/PLUG_SDz9gLQKqInQrRbCC21S4pZpp4JrN). Have you watched already?
@anthonyfaucy2761
2 жыл бұрын
@@SelfInvested Yeah those are great but an updated video showing how the recent cost of living crisis and the really high inflation and how it has affected shared ownership owners would be interesting
@SelfInvested
2 жыл бұрын
@@anthonyfaucy2761 I see what you mean. Yes, Shared Ownership rent increases with inflation (usually RPI + 0.5 - 2%) so that is worrying! I’ll see what I can do…
@cookiejar01
2 жыл бұрын
Nice jumper!!
@SelfInvested
2 жыл бұрын
Thank you 👍🏿 It’s from M&S 😉
@lukasrayzor
2 жыл бұрын
What a joke it is that the higher deposit buyers virtually considered no different to the 95% ltv crowd interest rate wise 🙃 Feels like middle class getting scalped to cover for these small deposit holders… great talk though, love your style and love Payam too 👍
@SelfInvested
2 жыл бұрын
Thanks, Luke! I appreciate the love :) I think the lenders are just hedging their bets, as Payam says. I think things will need to settle before we see significant differences between 90% and 60% LTVs
@ebenezermensah5835
2 жыл бұрын
Payam is a great man. So honest and straightforward. I like the bit about the broker/developer relationships as this has happened to me. My credit is impaired but I’m on good wages and have deposited, my current offer extension expired due to the developer taking too long to complete and when I spoke to someone in the sales team who told me the broker manager came down to the site and they had a conversation about my completion and the fact it’s not looking likely. She then said “anyways you might get a better rate this time because your credit might be better”. I was totally confused as I’ve never had a conversation with them about my finances.
@SelfInvested
2 жыл бұрын
Thanks for watching, Ebenezer! Yh, that’s not great for trust and why it’s probably best to find your own broker and solicitor rather than recommendations from the sales team
@learninglife3883
2 жыл бұрын
My remortgage interest rate is 3.75 offered 2 weeks ago on a 90% mortgage do you think this is a good rate??
@SelfInvested
2 жыл бұрын
Are you working with a broker?
@learninglife3883
2 жыл бұрын
Yes its an offer on a 5 year fix but i just feel its a higher rate than expected
@SelfInvested
2 жыл бұрын
@@learninglife3883 Rates are higher at the moment and that rate sounds on market. If you want to have a look at what’s available, you can have a search on MSE’s website to get an idea for yourself: www.moneysavingexpert.com/mortgages/best-buys/ Sort by ‘MSE Total Cost’ and edit details to reflect your situation. Remember, this will only give you an indication of what’s available, it not always the most reliable. But if you see a product which you think is better, then you can share it with your broker and see what he thinks…
@MrUsher1987
2 жыл бұрын
Can we have a video on a possibility of a housing crash
@SelfInvested
2 жыл бұрын
Hopefully I’ll get to do a video on this soon, but here’s a great video from PensionCraft with his predictions: kzitem.info/news/bejne/w4Cgs65jonaFmm0 The UK housing price forecast is at 13:11
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