ASK533: Could your lender pull the rug on your mortgage? PLUS: Should deposits rise with rent?

Could a lender ever pull the rug and demand your mortgage back early? And should you be topping up your tenants’ deposits every time the rent goes up?

Your questions are tackled on this week’s Ask Rob & Rob.

• (00:44) Josh wants to know, due to economic uncertainty, whether a lender could ever demand full repayment before the end of the term - even if he’s never missed a payment. Rob B draws on experience from the last market crash to explain what lenders do when property values drop.
• (04:35) Luke rents in Hong Kong where deposit top-ups are standard practice. Should he be doing the same with his portfolio in the UK? Rob D explains the logic behind it, and what you need to get right if you do.

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