{"id":928,"date":"2024-01-08T11:31:08","date_gmt":"2024-01-08T11:31:08","guid":{"rendered":"https:\/\/www.alldesignonline.com\/ftll2023\/?p=928"},"modified":"2024-06-24T10:11:41","modified_gmt":"2024-06-24T10:11:41","slug":"should-i-pay-off-my-mortgage","status":"publish","type":"post","link":"https:\/\/www.alldesignonline.com\/ftll2023\/should-i-pay-off-my-mortgage\/","title":{"rendered":"\u201cShould I pay off my mortgage?\u201d"},"content":{"rendered":"
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Ah, the age-old question: to pay off or not to pay off the mortgage? It’s a decision that often sparks debates among homeowners, and for good reason. Everyone’s situation is unique, and what works for one person might not necessarily work for another.<\/p>\n

Let me share my journey with you. As a portfolio landlord, I’ve had my fair share of mortgage struggles. Initially, I opted for renting \u2013 it was undeniably cost-effective. But eventually, I took the plunge and bought a house outright with cash. Did it feel like a smart move? Well, not exactly. Sure, I owned the property outright, but my life didn’t change dramatically. I still lived in the same place, and that large capital pot seemed to vanish into thin air.<\/p>\n

It wasn’t until later, when I paid off another property in cash, that I truly understood the financial weight of such a decision. Suddenly, renting felt like a bargain in comparison. Capital in the early days of investing is precious, and seeing it tied up in property wasn’t exactly my cup of tea.<\/p>\n

Now, don’t get me wrong \u2013 paying off your mortgage has its perks. There’s a certain sense of security in knowing that your home is completely yours, free from the shackles of debt. And if that’s your goal, then by all means, go for it. But for me, the thought of all that capital locked away didn’t sit well.<\/p>\n

Instead, I found a middle ground. Leveraging the limited company through which we own our properties, my spouse and I took advantage of mortgage products available to us. By securing loans against our property, we were able to maintain liquidity while still enjoying the benefits of property ownership.<\/p>\n

Here’s how it works: You own your home outright in cash, but you also have access to loans secured against the property. You can then use that capital to invest in buy-to-let properties, all while keeping your options open and your finances flexible.<\/p>\n

It’s a strategy I’ve been using for over a decade now, and it’s served me well. So, am I against paying off your mortgage? Not at all. But I do believe in keeping your options open and finding a balance that works for your financial goals.<\/p>\n

In the end, whether you choose to pay off your mortgage or not, the most important thing is to make informed decisions that align with your long-term financial plans. After all, it’s your financial future at stake.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

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Look around. Join for Free. We should talk.<\/h3>\r\n[\/vc_column_text][vc_column_text css=\".vc_custom_1716367679634{margin-bottom: 0px !important;}\" el_class=\"page-intro-sub-title\"]\r\n

Get help planning, starting, growing or running your property business.<\/p>\r\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row content_placement=\"middle\"][vc_column][vc_single_image image=\"682\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1716367612853{margin-bottom: 25px !important;}\"][\/vc_column][\/vc_row][vc_row content_placement=\"middle\"][vc_column][vc_column_text css=\".vc_custom_1716367508875{margin-bottom: 25px !important;}\" el_class=\"page-intro-sub-title\"]\r\n

You don\u2019t have to work with us.\u00a0<\/strong>Here are the 3 most common calls we take, and it\u2019s always FREE to chat.<\/strong><\/p>\r\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row gap=\"20\" equal_height=\"yes\" el_class=\"main-cta-boxes\"][vc_column width=\"1\/3\" css=\".vc_custom_1717577904048{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;border-left-color: #000000 !important;border-left-style: solid !important;border-right-color: #000000 !important;border-right-style: solid !important;border-top-color: #000000 !important;border-top-style: solid !important;border-bottom-color: #000000 !important;border-bottom-style: solid !important;}\"][vc_column_text el_class=\"semi-important-sub-title main-cta-blue-header\" css=\".vc_custom_1721217920199{margin-bottom: 0px !important;padding-top: 12px !important;padding-right: 12px !important;padding-bottom: 12px !important;padding-left: 12px !important;background-color: #18abf8 !important;}\"]\r\n

General Landlord Help<\/b><\/p>\r\n[\/vc_column_text][vc_single_image image=\"1607\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1716405336646{margin-bottom: 12px !important;}\"][vc_column_text css=\".vc_custom_1717577772582{margin-right: 10px !important;margin-bottom: 0px !important;margin-left: 10px !important;}\" el_class=\"blue-hand-written-notes\"]\r\n

How do I\u2026.?<\/strong><\/p>\r\n[\/vc_column_text][vc_column_text css=\".vc_custom_1717577779774{margin-right: 10px !important;margin-bottom: 10px !important;margin-left: 10px !important;}\"]\r\n

\u2026Increase tenants rent, deal with the council, get rid of damp, stay compliant?<\/b><\/p>\r\n[\/vc_column_text][vc_column_text css=\".vc_custom_1717577786583{margin-right: 10px !important;margin-bottom: 0px !important;margin-left: 10px !important;}\" el_class=\"blue-hand-written-notes\"]\r\n

Should I...?<\/strong><\/p>\r\n[\/vc_column_text][vc_column_text css=\".vc_custom_1717577795437{margin-right: 10px !important;margin-bottom: 10px !important;margin-left: 10px !important;}\"]\r\n

Buy my 1st BTL, remortgage now, get into HMO\u2019s, move my properties to a LTD co?<\/b><\/p>\r\n[\/vc_column_text][vc_column_text css=\".vc_custom_1717577802445{margin-right: 10px !important;margin-bottom: 10px !important;margin-left: 10px !important;}\" el_class=\"blue-hand-written-notes\"]\r\n

+ Where\u2019d I find? What\u2019s the best? Help!<\/b><\/b><\/p>\r\n[\/vc_column_text][vc_column_text css=\".vc_custom_1717578164877{margin-right: 10px !important;margin-bottom: 10px !important;margin-left: 10px !important;}\"]\r\n

Answers to any question.<\/b><\/p>\r\n[\/vc_column_text][vc_column_text css=\".vc_custom_1717578174182{margin-right: 10px !important;margin-bottom: 10px !important;margin-left: 10px !important;}\" el_class=\"page-intro-sub-title\"]\r\n

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Become a Client<\/b><\/p>\r\n[\/vc_column_text][vc_single_image image=\"1607\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1716405336646{margin-bottom: 12px !important;}\"][vc_column_text css=\".vc_custom_1717579296568{margin-right: 10px !important;margin-bottom: 0px !important;margin-left: 10px !important;}\" el_class=\"blue-hand-written-notes\"]\r\n

Rent:<\/strong><\/p>\r\n[\/vc_column_text][vc_column_text css=\".vc_custom_1717579276433{margin-right: 10px !important;margin-bottom: 10px !important;margin-left: 10px !important;}\"]\r\n

Free market valuation, through to moving your new\u00a0tenant in.<\/p>\r\n[\/vc_column_text][vc_column_text css=\".vc_custom_1717579304832{margin-right: 10px !important;margin-bottom: 0px !important;margin-left: 10px !important;}\" el_class=\"blue-hand-written-notes\"]\r\n

Manage:<\/strong><\/p>\r\n[\/vc_column_text][vc_column_text css=\".vc_custom_1717579311784{margin-right: 10px !important;margin-bottom: 10px !important;margin-left: 10px !important;}\"]\r\n

Onboard a property or portfolio with tenants in situ.<\/p>\r\n[\/vc_column_text][vc_column_text css=\".vc_custom_1717579336912{margin-right: 10px !important;margin-bottom: 0px !important;margin-left: 10px !important;}\" el_class=\"blue-hand-written-notes\"]\r\n

Sourcing:<\/strong><\/p>\r\n[\/vc_column_text][vc_column_text css=\".vc_custom_1717579345240{margin-right: 10px !important;margin-bottom: 10px !important;margin-left: 10px !important;}\"]\r\n

Have the UK's #1 sourcer build you\u00a0 a portfolio on Auto-pilot.<\/p>\r\n[\/vc_column_text][vc_btn title=\"Talk To Us\" style=\"gradient-custom\" gradient_custom_color_1=\"#18abf8\" gradient_custom_color_2=\"#18abf8\" gradient_text_color=\"#000000\" shape=\"round\" size=\"lg\" align=\"center\" link=\"url:https%3A%2F%2Fwww.alldesignonline.com%2Fftll2023%2Ftalk-to-us%2F\" css=\".vc_custom_1717577838335{margin-right: 10px !important;margin-left: 10px !important;}\"][\/vc_column][vc_column width=\"1\/3\" css=\".vc_custom_1717577918785{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;border-left-color: #000000 !important;border-left-style: solid !important;border-right-color: #000000 !important;border-right-style: solid !important;border-top-color: #000000 !important;border-top-style: solid !important;border-bottom-color: #000000 !important;border-bottom-style: solid !important;}\"][vc_column_text el_class=\"semi-important-sub-title main-cta-blue-header\" css=\".vc_custom_1721217934047{margin-bottom: 0px !important;padding-top: 12px !important;padding-right: 12px !important;padding-bottom: 12px !important;padding-left: 12px !important;background-color: #18abf8 !important;}\"]\r\n

Build a Full Plan<\/b><\/p>\r\n[\/vc_column_text][vc_single_image image=\"1607\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1716405336646{margin-bottom: 12px !important;}\"][vc_column_text css=\".vc_custom_1717579541760{margin-right: 10px !important;margin-bottom: 0px !important;margin-left: 10px !important;}\" el_class=\"blue-hand-written-notes\"]\r\n

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Portfolio review. <\/strong><\/p>\r\n[\/vc_column_text][vc_column_text css=\".vc_custom_1717579601046{margin-right: 10px !important;margin-bottom: 10px !important;margin-left: 10px !important;}\"]\r\n

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\u201cShould I pay off my mortgage?\u201d Watch the video to find out!<\/p>\n","protected":false},"author":1,"featured_media":929,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"content-sidebar","footnotes":""},"categories":[9,1],"tags":[],"class_list":["post-928","post","type-post","status-publish","format-standard","has-post-thumbnail","category-frequently-asked-questions","category-learning-hub","entry"],"yoast_head":"\n\u201cShould I pay off my mortgage?\u201d - ForTheLandlords<\/title>\n<meta name=\"description\" content=\"HMO\u2019s can unlock great wealth for any average Landlord and may even help replace your income!\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u201cShould I pay off my mortgage?\u201d - 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