Mortgages Update July 2025 - What's changing?

️ Join Samuel Leeds LIVE Property Crash Course, from ONLY £1:
https://www.samuelleeds.com/slptour

In this video, I sit down with top mortgage broker, Andrew
Clothier, to demystify everything you need to know about property
finance in the UK – from the truth behind those “too good to be
true” mortgage rates to the exact steps you need to follow if
you're refinancing, using a joint venture, or relying on overseas
funds.

Far too many people come to me and say they “can’t get a
mortgage” – but that’s only because they’ve asked one bank. There
are hundreds of lenders out there, and getting the right mortgage
is all about knowing how to structure the deal and which lender
to approach for your specific circumstances. Whether you're a new
investor or scaling your property portfolio, this conversation is
packed with insider knowledge that could save – or make – you
thousands of pounds.

Plus, I reveal how I personally deal with valuers, what not to
say during a refinance, and why being declined by a lender is
often just a sign to ask a better question.

KEY TOPICS COVERED:
Why your bank declining you means nothing – and how to approach
other lenders
The truth about “fake” low interest rates and massive hidden
fees
How to avoid refinance down valuations and maximise your end
value
Offset mortgages and creative finance strategies that still
work
What a mortgage broker really does and why they’re essential in
your power team
Exit strategies for bridging loans – and why plan B is
essential
The inside scoop on 100% mortgages and whether they’re worth
it
Why lenders are finally getting more flexible with
underwriting
What makes a property “unmortgageable” and how to spot it
before it’s too late

️ It all starts with a Crash Course! Book your spot at Samuel
Leeds' next course: https://www.samuelleeds.com/slptour

USEFUL LINKS:
WATCH: ALL NEW Success Stories Channel:
https://www.youtube.com/@UCuMZkB9CLBpjuviJ6Ljzd_w
READ: My latest best-selling book:
https://www.samuelleeds.com/FOMPOD
PLAY: Get the Property Millionaire board game:
https://www.samuelleeds.com/ytbg

Have a question about property? Join my Property Facebook Group:
https://www.facebook.com/groups/778613042238071

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LinkedIn:
https://www.linkedin.com/in/samuel-leeds-64660683

We are always looking for interesting podcast guests:
For collaboration enquiries, please email
marketing@samuelleeds.com 

DISCLAIMER All information, including dates,
figures, links, and references mentioned in this video, is
accurate and valid at the time of filming. Please note that
circumstances may change over time, and we recommend
double-checking any details before making decisions based on this
content.