Mortgages Masterclass with Sarah Grace DWI-EP293

Dentists Who Invest Podcast

Do your mortgages repayments feel high?
Connect with Sarah here: https://www.dentistswhoinvest.com/sarah-grace-mortgages/
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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How can dentists leverage their unique financial profiles to secure the best mortgage rates? Join us for an eye-opening discussion with mortgage expert Sarah Grace as we dissect the current mortgage market. We'll guide you through the implications of recent interest rate trends, including the potential reduction in the Bank of England base rate and its impact on making fixed-rate mortgages more enticing. Sarah Grace opens up about the fluctuating mortgage demand and anticipates exciting possibilities on the horizon, driven by potential government initiatives aimed at boosting housing supply.
Dentists, this one’s for you! Learn the ins and outs of securing lending tailored specifically for your profession. Sarah shares her expert insights on how turnover and projections can influence mortgage approvals, emphasizing the benefits of focusing on recent pay schedules over long-term profit histories. We also illuminate a success story that underscores the significance of understanding average profits before corporation tax, advising listeners on the importance of staying informed and seeking tailored financial advice.
For those curious about buy-to-let investments or navigating their first home purchase, this episode is packed with valuable information. We delve into the tax considerations for buy-to-let properties, comparing the advantages and drawbacks of using a Special Purpose Vehicle (SPV) versus a personal mortgage. We also address listener questions on buying second homes, leveraging lifetime ISAs, and securing mortgage rates in advance. Don’t miss out on the practical advice and real-world examples that could make a significant difference in your financial planning journey!
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.

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1. Mortgages for Dentists (00:00:00)

2. Mortgage Lending for Dentists (00:12:42)

3. Tax Considerations for Buy-to-Let Investments (00:20:01)

4. First-Time Home Buyer Process Guidance (00:25:40)

5. First-Time Home Buyer Mortgage Advice (00:34:39)

6. Mortgage Rates and Second Home Deposits (00:44:09)