- 14
- Episodes
- Bi-weekly
- Cadence
- 2024
- First episode
About HCH Mortgage Podcast
Everything you need to know about holiday let mortgages. This podcast is brought to you by HCH Financial Services, which is powered by Holiday Cottage Handbook and HD Consultants. Presented by James Varley, Founder, Holiday Cottage Handbook. For mortgage advice: Call: 0333 1234 536 Email: advice@hchfs.co.uk Visit www.hchfs.co.uk For a host of free resources for short-term rental hosts and property managers, visit www.holidaycottagehandbook.com
- Publisher
- HCH Financial Services
- Category
- business
- Language
- en
- Explicit
- No
- First episode
- 1 Jan 2024
- Latest episode
- 27 Jan 2025
Latest episodes
14 episodes in the feed.
27 Jan 2025
HCH Mortgage Podcast: Navigating the mortgage market in 2025
In this episode of the HCH Mortgage Podcast, host James Varley chats with Samantha Turmaine from HCH Financial Services about all things mortgages. From preparing for remortgaging to insights into the 2025 mortgage market, this episode is packed with practical advice for homeowners and investors alike. Whether you’re a holiday let owner, a homeowner considering equity release, or an investor looking to scale, this episode has something for you. Subscribe for more expert advice on ...
29 Dec 2024
No change from the Bank of England, but mortgage rates keep climbing!
In this episode of the HCH Mortgage Podcast, the team focus on why mortgage rates are rising despite the Bank of England holding the base rate at 4.75%. Join James Varley, Founder of Holiday Cottage Handbook, and Samantha Turmaine, Lead Consultant at HCH Financial Services, as they discuss interest rates, market sentiment, and outline how you can release cash from an unencumbered holiday rental.If you need a mortgage or would like to discuss your investment strategy, contact HCH Financia...
24 Nov 2024
Equity release and helping family onto the property ladder
HCH Mortgage Podcast hosts James Varley, Founder of the Holiday Cottage Handbook, and Samantha Turmaine, Lead Consultant at HCH Financial Services, discuss equity release and mortgage strategies for families.
27 Oct 2024
Why investors are switching from BTL to STR
The HCH Mortgage Podcast shares everything you need to know about holiday let mortgages.The show is brought to you by HCH Financial Services, which offers access to a comprehensive range of holiday let products, in addition to providing life insurance, will writing, and other services.In today’s episode, Holiday Cottage Handbook Founder, James Varley, and Samantha Turmaine, Lead Consultant, HCH Financial Services, discuss why some investors are switching from buy to let to short-term rentals....
29 Sept 2024
Mortgage rates continue to drop
The HCH Mortgage Podcast shares everything you need to know about holiday let mortgages.The show is brought to you by HCH Financial Services, which offers access to a comprehensive range of holiday let products, in addition to providing life insurance, will writing, and other services.In today’s episode, Holiday Cottage Handbook Founder, James Varley, and Samantha Turmaine, Lead Consultant, HCH Financial Services, discuss falling interest rates, current market sentiment, and the furnished hol...
25 Aug 2024
Good news and bad news for holiday let investors
The HCH Mortgage Podcast shares everything you need to know about holiday let mortgages.The show is brought to you by HCH Financial Services, which offers access to a comprehensive range of holiday let products, in addition to providing life insurance, will writing, and other services.In today’s episode, Holiday Cottage Handbook Founder, James Varley, and Samantha Turmaine, Lead Consultant, HCH Financial Services, discuss the cut in interest rates, the proposed abolishment of the furnished ho...
28 Jul 2024
How will Labour deal with holiday lets?
The HCH Mortgage Podcast shares everything you need to know about holiday let mortgages. The show is brought to you by HCH Financial Services, which offers access to a comprehensive range of holiday let products, in addition to providing life insurance, will writing, and other services. In today’s episode, Holiday Cottage Handbook Founder, James Varley, and Samantha Turmaine, Lead Consultant, HCH Financial Services, discuss the impact of the general election on investors, plus interest rates and why you should lock in a good deal now if you’re nearing the end of your mortgage term. 1:59 The impact of the new UK government on holiday let investors 2:48 There are more empty homes than holiday lets 3:18 Will the Bank of England cut interest rates in August? 3:59 Some investors are waiting before buying more property 6:09 Will buy-to-let investors shift to short-term rentals? 7:21 Labour has been very quiet about its plans for holiday lets 8:46 Labour urged to look at the bigger picture (economic growth) 9:55 Be aware of potential new rules before investing 11:07 HCH Financial Services will help you create a bespoke investment strategy 11:35 Mortgage rates are decreasing! Two-year fixed rates are starting at 5.2% 12:20 Limited company rates are starting at 5.5% 13:19 Lock in the best rates now and switch to a better product later 14:27 Don’t end up on the standard variable rate! Links: HCH Financial Services: www.hchfs.com Call: 0333 1234 536 Email: advice@hchfs.com Holiday Cottage Handbook website: https://www.holidaycottagehandbook.com/ Free e-book: https://www.holidaycottagehandbook.com/e-book Newsletter: https://www.holidaycottagehandbook.com/ Podcast: https://www.holidaycottagehandbook.com/podcast A-Z of STR: https://www.holidaycottagehandbook.com/a-z-of-str Get your free ticket for STR Zone: https://www.holidaycottagehandbook.com/str-zone James Varley: https://www.linkedin.com/in/jdsvarley/ Samantha Turmaine: https://www.linkedin.com/in/samantha-turmaine-mlibf-cemap-cerer-97a1b298/ Email the show: james@holidaycottagehandbook.com
23 Jun 2024
Borrowing options for senior investors
The HCH Mortgage Podcast shares everything you need to know about holiday let mortgages. The show is brought to you by HCH Financial Services (http://www.hchfs.co.uk/), which offers access to a comprehensive range of holiday let products, in addition to providing life insurance, will writing, and other services. In today’s episode, Holiday Cottage Handbook Founder, James Varley, and Howard Reuben, Principal, HCH Financial Services, discuss interest rates, party manifestos ahead of the upcoming general election, borrowing prospects for older investors, and outline the best deals currently on the market. 2:04 The Bank of England holds the base rate at 5.25% 5:48 Good news about inflation dropping to 2% 7:52 Investors are concerned about a change of government 14:17 Older borrowers are buying holiday lets 16:40 Borrowing options for senior investors 20:42 The best holiday let mortgage rates currently available Links: HCH Financial Services: www.hchfs.com (http://www.hchfs.com) Call: 0333 1234 536 Email: advice@hchfs.com (mailto:advice@hchfs.com) Holiday Cottage Handbook website: https://www.holidaycottagehandbook.com/ (https://www.holidaycottagehandbook.com/) Free e-book: https://www.holidaycottagehandbook.com/e-book (https://www.holidaycottagehandbook.com/e-book) Newsletter: https://www.holidaycottagehandbook.com/ (https://www.holidaycottagehandbook.com/) Podcast: https://www.holidaycottagehandbook.com/podcast (https://www.holidaycottagehandbook.com/podcast) A-Z of STR: https://www.holidaycottagehandbook.com/a-z-of-str (https://www.holidaycottagehandbook.com/a-z-of-str) James Varley: https://www.linkedin.com/in/jdsvarley/ (https://www.linkedin.com/in/jdsvarley/) Howard Reuben: https://www.linkedin.com/in/howardreuben/ (https://www.linkedin.com/in/howardreuben/) Email the show: james@holidaycottagehandbook.com
26 May 2024
General election, interest rates, and insurance
The HCH Mortgage Podcast shares everything you need to know about holiday let mortgages. The show is brought to you by HCH Financial Services (http://www.hchfs.co.uk/), which offers access to a comprehensive range of holiday let products, in addition to providing life insurance, will writing, and other services. In today’s episode, Holiday Cottage Handbook Founder, James Varley, and Samantha Turmaine, Lead Consultant for HCH Financial Services, discuss interest rates, the upcoming general election, and holiday let insurance. 1:41 Interest rates appear to be heading in the right direction (lower!) 2:46 How a general election might change the property landscape 4:10 How holiday let insurance differs to standard home insurance 5:29 Will a lender insist on holiday let insurance? 5:55 The types of insurance coverage included 8:09 Some online travel agencies provide insurance – like AirCover from Airbnb 9:02 The types of insurance add-ons can people have 9:57 How you can keep your premium as low as possible 11:18 Your housekeeping team is your first line of defence 11:40 HCH Financial Services works with 42 different insurers – to help you find the perfect policy 12:32 The best fixed rate holiday let mortgages 14:29 The best variable and tracker rate holiday let mortgages 15:31 The best limited company holiday let mortgages Links: HCH Financial Services: www.hchfs.com (http://www.hchfs.com) Call: 0333 1234 536 Email: advice@hchfs.com (mailto:advice@hchfs.com) Holiday Cottage Handbook website: https://www.holidaycottagehandbook.com/ (https://www.holidaycottagehandbook.com/) Free e-book: https://www.holidaycottagehandbook.com/e-book (https://www.holidaycottagehandbook.com/e-book) Newsletter: https://www.holidaycottagehandbook.com/ (https://www.holidaycottagehandbook.com/) Podcast: https://www.holidaycottagehandbook.com/podcast (https://www.holidaycottagehandbook.com/podcast) A-Z of STR: https://www.holidaycottagehandbook.com/a-z-of-str (https://www.holidaycottagehandbook.com/a-z-of-str) James Varley: https://www.linkedin.com/in/jdsvarley/ (https://www.linkedin.com/in/jdsvarley/) Samantha Turmaine: https://www.linkedin.com/in/samantha-turmaine-mlibf-cemap-cerer-97a1b298/ (https://www.linkedin.com/in/samantha-turmaine-mlibf-cemap-cerer-97a1b298/) Email the show: james@holidaycottagehandbook.com
28 Apr 2024
Why you should invest through a limited company
The HCH Mortgage Podcast shares everything you need to know about holiday let mortgages. The show is brought to you by HCH Financial Services (http://www.hchfs.co.uk/), which offers access to a comprehensive range of holiday let products, in addition to providing life insurance, will writing, and other services. In today’s episode, Holiday Cottage Handbook Founder, James Varley, and Samantha Turmaine, Lead Consultant for HCH Financial Services, look at the pros and cons of investing in holiday lets through a limited company. 2:29 What is a limited company mortgage? 3:27 The advantages of investing through a limited company 4:23 The differences between a personal name mortgage and limited company mortgage 5:27 What you need to do to set up a limited company 6:48 What lenders are looking for from limited company mortgage applications 8:10 Making sure you achieve the 125% revenue to mortgage cost ratio 8:58 Buying through a limited company depends on personal circumstances 9:54 Should investors looking to scale switch from a personal name structure to limited company vehicle? 10:50 Good advice is paramount for investors 11:50 The best limited company mortgage rates 12:50 The best mortgage rates for personal name products Links: HCH Financial Services: www.hchfs.com (http://www.hchfs.com) Call: 0333 1234 536 Email: advice@hchfs.com (mailto:advice@hchfs.com) Holiday Cottage Handbook website: https://www.holidaycottagehandbook.com/ (https://www.holidaycottagehandbook.com/) Free e-book: https://www.holidaycottagehandbook.com/e-book (https://www.holidaycottagehandbook.com/e-book) Newsletter: https://www.holidaycottagehandbook.com/ (https://www.holidaycottagehandbook.com/) Podcast: https://www.holidaycottagehandbook.com/podcast (https://www.holidaycottagehandbook.com/podcast) A-Z of STR: https://www.holidaycottagehandbook.com/a-z-of-str (https://www.holidaycottagehandbook.com/a-z-of-str) James Varley: https://www.linkedin.com/in/jdsvarley/ (https://www.linkedin.com/in/jdsvarley/) Samantha Turmaine: https://www.linkedin.com/in/samantha-turmaine-mlibf-cemap-cerer-97a1b298/ (https://www.linkedin.com/in/samantha-turmaine-mlibf-cemap-cerer-97a1b298/) Email the show: james@holidaycottagehandbook.com
25 Mar 2024
Reaction to abolishing FHL tax regime
The HCH Mortgage Podcast shares everything you need to know about holiday let mortgages. The show is brought to you by HCH Financial Services (http://www.hchfs.co.uk/) – a new brand powered by Holiday Cottage Handbook (http://www.holidaycottagehandbook.com/) and HD Consultants. HCH Financial Services offers access to a comprehensive range of holiday let products, in addition to providing life insurance, will writing, and other services. During episode four, Holiday Cottage Handbook Founder, James Varley, and Samantha Turmaine, Lead Consultant for HCH Financial Services, react to the UK government’s announcement that the furnished holiday lettings tax regime will be abolished. 1:54 The Bank of England holds interest rates at 5.25% 2:24 Lenders are expected to start reducing their rates this year 3:18 Reaction to the spring budget: now is not the time to panic 5:28 Advice to people currently applying for holiday let mortgages 6:50 Challenges present opportunities 8:02 Should I own my properties through a limited company? 10:22 The cost of transferring from your personal name to a limited company 14:54 What lenders are looking for when you buy through a limited company 15:55 About 10 lenders are offering holiday let mortgages to limited companies 16:41 Holiday lets remain an exceptional investment opportunity 17:54 HCH Financial Services can help you navigate the market 19:09 Come and meet the team at Holiday Cottage Handbook LIVE 20:08 The cheapest mortgage deals currently available on the market Links: HCH Financial Services: www.hchfs.com (http://www.hchfs.com) Call: 0333 1234 536 Email: advice@hchfs.com (mailto:advice@hchfs.com) Holiday Cottage Handbook website: https://www.holidaycottagehandbook.com/ (https://www.holidaycottagehandbook.com/) Free e-book: https://www.holidaycottagehandbook.com/e-book (https://www.holidaycottagehandbook.com/e-book) Newsletter: https://www.holidaycottagehandbook.com/ (https://www.holidaycottagehandbook.com/) Podcast: https://www.holidaycottagehandbook.com/podcast (https://www.holidaycottagehandbook.com/podcast) A-Z of STR: https://www.holidaycottagehandbook.com/a-z-of-str (https://www.holidaycottagehandbook.com/a-z-of-str) James Varley: https://www.linkedin.com/in/jdsvarley/ (https://www.linkedin.com/in/jdsvarley/) Samantha Turmaine: https://www.linkedin.com/in/samantha-turmaine-mlibf-cemap-cerer-97a1b298/ (https://www.linkedin.com/in/samantha-turmaine-mlibf-cemap-cerer-97a1b298/) Holiday Cottage Handbook LIVE: https://www.holidaycottagehandbook.com/post/two-months-to-go-until-holiday-cottage-handbook-live (https://www.holidaycottagehandbook.com/post/two-months-to-go-until-holiday-cottage-handbook-live) Download your free e-ticket: https://propertyinvestor.smartreg.co.uk/Visitors/Visitors/register?promoid=WEBSITE (https://propertyinvestor.smartreg.co.uk/Visitors/Visitors/register?promoid=WEBSITE) Enter our free prize draw: https://www.holidaycottagehandbook.com/hch-live-competition (https://www.holidaycottagehandbook.com/hch-live-competition)
26 Feb 2024
The difference between interest-only and repayment holiday let mortgages
The HCH Mortgage Podcast shares everything you need to know about holiday let mortgages. The show is brought to you by HCH Financial Services (http://www.hchfs.co.uk/) – a new brand powered by Holiday Cottage Handbook (http://www.holidaycottagehandbook.com/) and HD Consultants. HCH Financial Services offers access to a comprehensive range of holiday let products, in addition to providing life insurance, will writing, and other services. In today’s episode, Holiday Cottage Handbook Founder, James Varley, and Samantha Turmaine, Lead Consultant for HCH Financial Services, outline the differences between interest-only and repayment mortgages. 2:09 The key facts about interest-only and repayment mortgages 3:08 Why investors tend to opt for interest-only products 4:10 The cost difference between interest-only and repayment deals 5:16 Interest-only options help to pass lender stress tests 6:18 Repayment strategies for interest-only mortgages 7:25 Selling the property is another repayment strategy 7:57 How mortgage overpayments work 9:40 Investors looking to scale will focus funds on acquiring properties 10:16 60% opt for interest-only, 35% self-fund, and 5% use repayment products 11:32 How interest-only products can be a wealth creation tool 14:52 The best holiday let mortgages currently available (fixed, variable, and tracker) Links: HCH Financial Services: www.hchfs.co.uk (http://www.hchfs.co.uk) Call: 0333 1234 536 Email: advice@hchfs.co.uk (mailto:advice@hchfs.co.uk) Holiday Cottage Handbook (https://www.holidaycottagehandbook.com/) Free e-book (https://www.holidaycottagehandbook.com/) Newsletter (https://www.holidaycottagehandbook.com/newsletter) Podcast (https://www.holidaycottagehandbook.com/podcast) A-Z of Short-Term Rentals (https://www.holidaycottagehandbook.com/a-z-of-str) James Varley (https://www.linkedin.com/in/jdsvarley/) Samantha Turmaine (https://www.linkedin.com/in/samantha-turmaine-mlibf-cemap-cerer-97a1b298/)
29 Jan 2024
The different types of holiday let mortgage
The HCH Mortgage Podcast shares everything you need to know about holiday let mortgages. The show is brought to you by HCH Financial Services (http://www.hchfs.co.uk/) – a new brand powered by Holiday Cottage Handbook (http://www.holidaycottagehandbook.com/) and HD Consultants. HCH Financial Services offers access to a comprehensive range of holiday let products, in addition to providing life insurance, will writing, and other services. The show is hosted by Holiday Cottage Handbook Founder, James Varley. Today’s special guest is Samantha Turmaine, Lead Consultant for HCH Financial Services. James and Samantha outline the various types of mortgages, including fixed, variable, tracker, and discounted. 2:01 Fixed rate holiday let mortgages 2:49 First-time landlords often take a fixed rate product 3:45 Variable rate holiday let mortgages, including tracker, standard variable rate, and discounted variable rate 5:29 Variable rate products tend to have lower rates and offer more flexibility to borrowers 7:06 Explaining the standard variable rate 9:43 Tracker rate holiday let mortgages 10:40 Discounted variable rate holiday let mortgages 11:43 The most popular products right now 13:06 Interest-only or repayment? 14:46 Best two-year fixed rate: 4.8% (but a 4% arrangement fee) 15:15 Best five-year fixed rate: 5.59% (£995 fee) Links: HCH Financial Services: www.hchfs.co.uk (http://www.hchfs.co.uk) Call: 0333 1234 536 Email: advice@hchfs.co.uk (mailto:advice@hchfs.co.uk) Holiday Cottage Handbook (https://www.holidaycottagehandbook.com/) Free e-book (https://www.holidaycottagehandbook.com/) Newsletter (https://www.holidaycottagehandbook.com/newsletter) Podcast (https://www.holidaycottagehandbook.com/podcast) A-Z of Short-Term Rentals (https://www.holidaycottagehandbook.com/a-z-of-str) Email the show: james@holidaycottagehandbook.com (mailto:james@holidaycottagehandbook.com)
1 Jan 2024
12 key facts about holiday let mortgages
The HCH Mortgage Podcast shares everything you need to know about holiday let mortgages. The show is brought to you by HCH Financial Services (http://www.hchfs.co.uk/) – a new brand powered by Holiday Cottage Handbook (http://www.holidaycottagehandbook.com/) and HD Consultants. HCH Financial Services offers access to a comprehensive range of holiday let products, in addition to providing life insurance, will writing, and other services. The show is hosted by Holiday Cottage Handbook Founder, James Varley. Today’s special guest is Samantha Turmaine, Lead Consultant for HCH Financial Services. James and Samantha outline 12 key facts about holiday let mortgages. 2:50 Purpose of the mortgage 5:13 Rental income consideration 6:58 Deposit 7:46 Interest rates 8:34 Best mortgage products on the market 9:02 Rates seem to be on a downward trajectory 9:47 More lenders are offering holiday let mortgages 10:38 Rental coverage ratio 12:25 Seasonal income considerations 13:48 Lenders will look closely at the location 15:30 Use restrictions 16:50 Minimum income requirements 18:10 Self-employment and property experience 19:07 Specialist lenders 20:38 Tax implications 21:50 Regulatory considerations Links: HCH Financial Services: www.hchfs.co.uk (http://www.hchfs.co.uk) Call: 0333 12345 36 Email: advice@hchfs.co.uk (mailto:advice@hchfs.co.uk) Holiday Cottage Handbook (https://www.holidaycottagehandbook.com/) Free e-book (https://www.holidaycottagehandbook.com/) Newsletter (https://www.holidaycottagehandbook.com/newsletter) Podcast (https://www.holidaycottagehandbook.com/podcast) A-Z of Short-Term Rentals (https://www.holidaycottagehandbook.com/a-z-of-str) Sykes Holiday Cottages (https://www.sykescottages.co.uk/) Email the show: james@holidaycottagehandbook.com
Podcast Authority Score: 18 / 100
A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.
- Quality
- 26
- Social presence
- 0
- YouTube
- 0
- Engagement
- 27
Contact HCH Mortgage Podcast
- Guest appearances
- Does not typically book guests
Based on episode analysis; this does not confirm that the show is currently accepting guests.
Host of HCH Mortgage Podcast?
Claim your podcast to manage its listing and keep your show details accurate.
Pod Engine is an independent podcast discovery and analytics service and is not affiliated with or endorsed by this podcast. Artwork and show content belong to their owners. Full legal notice.
Explore this show
Podcast research with Pod Engine