Stephen Knight

speaker

16,599 appearances 112 recordings 2 series first heard Sep 2019 last heard yesterday

Stephen Knight’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 111 in all, peaking in Aug 2026 with 32.

Appearances

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The Property Academy Podcast · If a Rental Doesn’t Pass This “Test,” Don’t Buy It · 21 Sep 2026 podcast

If you use the lower of that amount, then you are already baking in some conservatism, I want to say, to your numbers. voice-verified

Now, test number two would be: well, what if interest rates go up? voice-verified

So this is another way of thinking about. voice-verified

The what if I'm wrong test. voice-verified

So let's say that the average interest rate at the moment for the one year is about 4.8%. voice-verified

What if you're wrong by half a percent? voice-verified

What if it's 5.3%? voice-verified

What if it's 5.8% per year? voice-verified

So an extra half a percent or an extra 1%? voice-verified

If you're taking out a $600,000 mortgage, well, every half a percent increase, if you're on an interest-only mortgage, has got to cost you about voice-verified

$3,000 per year. voice-verified

So if your interest rate is half a percent higher, that's about an extra $60 a week. voice-verified

That's three grand per year. voice-verified

If the interest rate is 1% higher, that's an extra $114 a week, $6,000 worse off per year. voice-verified

And when I say worse off, you've got an extra $6,000 worth of interest costs. voice-verified

Now you've got to be careful not to talk yourself silly, right? voice-verified

And what I mean by that is if you count lower rent and you're wrong by 10% on that, and then your interest costs gone up by 20%. voice-verified

Because rather than a 5% interest rate, you're paying a 6% interest rate. voice-verified

You can scare yourself silly to some degree and think, oh my gosh, no property works under these conditions. voice-verified

So what we're trying to do here is balance the need for thinking about what could go wrong and could you handle that situation with also not being so worried that you don't make any voice-verified

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