Latest / Prime Property Finance Podcast
0% LOAN Case Study: Why We Told the Client to PAY IT Off
A 0% loan sounds like the obvious finance to keep, but what if leaving it in place actually means paying more overall?
In Episode 125, Gareth Morgan and Mark Watts break down a real client case involving a mixed-use investment property, a £70,000 interest-free local authority loan and a refinance designed to release capital for the client's next investment.
In this episode, we discuss:
· Why a 0% loan can still create a more expensive overall finance structure.
· How first and second charges can affect the lenders and loan-to-value options available when refinancing.
· Why the client could…
The skinny
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