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.

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