The Scottish Property Podcast 100 Properties Before 28 - The Strategy Behind the Scale with Ewan Dudding
In this episode of the Scottish Property Podcast, Nick and Steven are joined once again by serial investor and mortgage broker Ewan Dudding — who has now scaled to over 100 properties and relocated to Dubai while running a high-volume brokerage and build team.
Episode Highlights:
🏗️ Scaling the Portfolio
Now owns over 100 units, including 17 HMOs and multiple portfolios
Buying properties every 5 days for himself and every 2.5 days for clients
Refurbs running at £100k/month with two build teams and vans on the road
Targets £300–£350/month cash flow per unit
💰 Raising & Recycling Finance
Started with £80K savings and raised his first £80K from a friend
Now borrows from clients and private investors at up to 10% interest
Uses bridging and refinance model to pull money out in as little as 6 weeks
Key advice: raise capital from people who trust you, not just property people
📊 Broker Business & Mortgage Insights
Team of five and pushing through 10–12 mortgage applications per day
Specialises in bridging, BTLs, and portfolio lending for landlords
Explains how surveyors, lender relationships, and product switches impact deals
Partnered with Go Financial and growing organically through referrals
🌍 Life in Dubai & Business Mindset
Relocated recently for lifestyle and productivity — not just tax benefits
Says time difference gives him focus and freedom before UK wakes up
Still works 14-hour days and prefers growing his business to relaxing on the beach
Hasn't bought a car, lives modestly, and reinvests every pound
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