The Property Podcast ASK503: Should this put me off Derby? PLUS: Should I buy despite planning uncertainty?
Nov 18, 2025
This week tackles property dilemmas from listeners. One concerns investing in Derby, despite its poor reputation for crime and poverty. The hosts discuss its potential as an investment hotspot, pointing out factors like employment and rental shortages. Another listener faces planning rejection on an HMO, weighing the risks of proceeding with the purchase against the uncertain market conditions. Tune in to hear their insights and advice on navigating these tricky decisions!
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Episode notes
Put Survey Rankings In Context
- Surveys can give contradictory rankings because results depend heavily on inputs and methodology.
- Rob Dix prefers Derby for long-term rentals due to jobs, housing shortage, and affordability which support future price and rent growth.
Prioritise Rental Fundamentals Over Headlines
- Focus on long-term rental fundamentals: strong local employment, lack of quality rental stock, and relative affordability.
- These factors create headroom for rents and prices to rise, unlike saturated southeast markets.
Don't Complete Without HMO Approval
- Avoid completing a purchase that relies on an uncertain HMO approval; that’s a gamble, not an investment.
- Walk away if the numbers only work with the HMO licence and you don't have that in writing.