The Scottish Property Podcast

In this episode of the Scottish Property Podcast, Steven and Nick sit down with legal expert Lindsey Devine from NM Legal to discuss the legal risks and best practices when it comes to private money lending in property. With more investors turning to private finance to scale their portfolios, it’s crucial to understand how to protect your investment and avoid costly mistakes.Episode Highlights:Due Diligence Before LendingWhy investors turn to private finance instead of traditional lenders.The risks involved and common mistakes to avoid.Why private investors need independent legal advice.Legal Protections & Security MeasuresHow to properly assess a borrower before handing over your money.Key checks: credit history, Companies House records, and social media red flags.The importance of a solid loan agreement and what it should include.Exits & Worst-Case ScenariosStandard security vs. floating charges – what’s the best option?The role of personal guarantees and how they impact investors.What happens if the borrower can’t repay?Lending in PropertyHow to enforce security and recover funds legally.Red flags to watch for to avoid “robbing Peter to pay Paul” schemes.Private money lending can be a powerful tool for property investors, but it’s not without risks. This episode provides invaluable insights on how to protect yourself and ensure your investment is secure. Whether you're lending or borrowing, understanding the legal aspects is key to success.----------------------------------------------------------Prime Property Auctions – Sell your property with no upfront costs and control the reserve price. Prime Property Auction: www.instagram.com/primepropertyauctions/John: www.instagram.com/john_property_auctioneer/Luis: www.instagram.com/luis_property_auctioneer/Visit Prime Property Auction website: https://primepropertyauctions.co.uk/------------------------------------Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠📩  Email us:Steven@steven-clark.comNick@arcproperty.uk

In this episode, Steven and Nick welcome back Brian Gilmour from Indigo Square to discuss key updates in the Scottish property market. With rent controls changing, interest rates stabilising, and housing policies evolving, this episode is packed with insights for landlords, investors, and property professionals.Key Highlights:Scottish Property Market Updates: Changes to rent controls and what they mean for landlords. The impact of the Scottish Government’s new housing policies. Why institutional investors are pulling out of Scotland.Economic & Interest Rate Discussion: The latest Bank of England base rate changes. Inflation trends and what they mean for property investors. Mortgage rate outlook—where are they heading?The Future of the Private Rented Sector: The long-term outlook for landlords in Scotland. Why so many landlords are selling up. How portfolio buyers can take advantage of market shifts.The UK Housing Crisis & Possible Solutions: The role of the government vs. private sector in fixing the crisis. The challenges of planning and building new homes. How Scotland’s ageing housing stock is creating more problems.Scotland’s property market is in a period of transition. While some landlords are exiting, opportunities remain for investors who understand the new landscape. With changes in rent controls, economic uncertainty, and evolving housing policies, staying informed is key!----------------------------------------------------------Prime Property Auctions – Sell your property with no upfront costs and control the reserve price. Prime Property Auction: www.instagram.com/primepropertyauctions/John: www.instagram.com/john_property_auctioneer/Luis: www.instagram.com/luis_property_auctioneer/Visit Prime Property Auction website: https://primepropertyauctions.co.uk/------------------------------------Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠📩  Email us:Steven@steven-clark.comNick@arcproperty.uk#scottishpropertypodcast #propertyinvestment #realestate #scottishhousingmarket #propertynews #landlords #rentalmarket #propertyinvesting #mortgagerates #housingcrisis

In this episode, Steven and Nick sit down with Fiona Campbell, Chief Executive of the Association of Scotland’s Self-Caterers (ASSC), to discuss the impact of Scotland’s short-term let licensing regulations. Fiona shares how these new policies are forcing operators out of business, damaging tourism, and creating a black market for rentals. If you're involved in short-term lets or considering investing in one, this is a must-listen episode! Why Short-Term Let Licensing Was Introduced: The Scottish Government’s reasoning behind the regulations. The unintended consequences for small property owners and investors. How Licensing & Planning Rules Are Hurting Operators: The complex approval process that’s shutting down businesses. The impact on Scotland’s tourism industry and local economies. How the cost of compliance is pushing many to leave the sector. The Rise of the Black Market in Short-Term Lets: Why some operators are ignoring regulations and continuing illegally. The lack of enforcement creating an uneven playing field. What could happen next with legal battles and political pressure. What Landlords & Investors Need to Know: Key things to check before buying a short-term let property in Scotland. How ASSC is fighting for fairer regulations and what might change. Why diversification is crucial if you rely on rental income.Scotland’s short-term let licensing has shaken up the rental market, forcing many operators to rethink their strategy or leave the industry altogether. Fiona provides a detailed breakdown of the situation and what could change in the future. Whether you’re an investor, a landlord, or someone in the hospitality sector, understanding these regulations is critical to making informed decisions.

Dive into the pitfalls of social media in the property industry! Discover the dangers of misleading marketing tactics and fake testimonials that can tarnish your credibility. Learn why authenticity trumps flashy content, as Nick and Steven share real advice on building trust and meaningful connections online. They explore the allure of 'get rich quick' schemes and stress the importance of transparency and genuine value. With humorous anecdotes and keen insights, this discussion will change how you approach social media in your property journey!

In this episode of the, Steven and Nick sit down with Giuseppe Paladini, a former university lecturer who made the leap into property investing and entrepreneurship. From studying fish pathology in Italy to building a 23-property portfolio and launching multiple businesses in Scotland, Giuseppe shares his incredible journey and the strategies that helped him scale.From Academia to Property:How Giuseppe transitioned from university research to property investing.The moment he realised property could give him financial freedom.Scaling the Portfolio:How he started with Airbnb and usedequity release to fund his first deals.The role ofBuy, Refurbish, Refinance (BRR) in expanding his portfolio.Why he diversified intorent-to-rent and serviced accommodation.Funding & Finance Strategies:Raising over£200,000 in private investor finance to scale his business.The importance ofnetworking and mindset in securing funding.Business Growth & Diversification:HowCOVID-19 forced him to rethink his property strategies.Moving intoproperty education and launching an estate agency.Balancing multiple income streams while maintaining a passion for teaching.Giuseppe Paladini’s journey from academia to full-time property entrepreneur is a testament to the power of education, networking, and action. Whether you’re just starting out or looking to scale, this episode is packed with insights to help you on your property journey.Follow Giuseppe Palidini onYouTube.----------------------------------------------------------Prime Property Auctions – Sell your property with no upfront costs and control the reserve price. Prime Property Auction: www.instagram.com/primepropertyauctions/John: www.instagram.com/john_property_auctioneer/Luis: www.instagram.com/luis_property_auctioneer/Visit Prime Property Auction website: https://primepropertyauctions.co.uk/------------------------------------Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠📩  Email us:Steven@steven-clark.comNick@arcproperty.uk

In this episode, Steven and Nick sit down with mortgage expert Jonathan Williams to discuss the latest developments in the Scottish property market. From mortgage interest rates and inflation to rental trends and landlord strategies, Jonathan shares valuable insights on what’s happening right now and what investors should expect in 2024. Mortgage Market & Interest Rates: Where are interest rates heading in 2024? How inflation is affecting lending and affordability. What landlords need to know about remortgaging this year. Property Investment & Landlord Trends: Why some landlords are exiting while others are scaling up. How rental prices are adjusting after years of rapid increases. The impact of government regulations and tax changes on the buy-to-let market. Portfolio Strategy & Financing Tips: How to structure your portfolio to remain profitable. Common mistakes landlords make when refinancing. Why keeping an eye on swap rates is crucial for predicting mortgage trends. Jonathan Williams provides a clear and practical breakdown of what’s happening in the market right now. Whether you’re an investor, landlord, or first-time buyer, this episode will help you stay informed and make the right financial decisions. Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast **DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise. 🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify. Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📩  Email us: Steven@steven-clark.com Nick@arcproperty.uk

Rory Boyd, a driven property investor, shares his remarkable journey of scaling a 12-property portfolio in just a year while managing a full-time job and family life. He discusses the pivotal transition from car sales to property investment and the importance of leveraging sourcing agents. Rory emphasizes strategies for efficient scaling through refinancing and cash flow management. He also highlights the value of building relationships within the property community and how networking has fueled his success. His story is a testament to determination and strategic planning.

In this episode, we welcome Kyle Black, a young and driven property entrepreneur who has built an impressive portfolio and business empire at just 27 years old. From his humble beginnings as a greenkeeper to navigating the property world with no prior experience, Kyle shares his journey of hard work, education, and embracing social media to scale his ventures. Key Topics Covered: Kyle's Early Journey: From Renfrew to property success and the pivotal moments that shaped his career. Overcoming Challenges: Why Kyle decided to leave his apprenticeship and step into the world of property. The Power of Education: How investing in property training courses provided Kyle with the foundational knowledge and network to get started. Using Social Media to Build Trust: Kyle explains how authentic social media engagement helped him secure deals and investors. Scaling with Strategy: Insights into Kyle’s decision to focus on portfolios rather than single units and how he maximised efficiency. Partnerships and Networking: The importance of building solid business relationships and finding the right people to collaborate with. Lessons Learned: Transparency, consistency, and how focusing on long-term client relationships can transform a property business. Kyle Black’s journey is a testament to the power of resilience, education, and leveraging modern tools like social media to stand out in a competitive market. Whether you’re just starting out in property or looking for ways to scale, this episode is packed with actionable insights and inspiration. Follow Kyle Black on Instagram and TikTok. ---------------------------------------------------------- Prime Property Auctions – Sell your property with no upfront costs and control the reserve price. Prime Property Auction: www.instagram.com/primepropertyauctions/ John: www.instagram.com/john_property_auctioneer/ Luis: www.instagram.com/luis_property_auctioneer/ Visit Prime Property Auction website: https://primepropertyauctions.co.uk/ ------------------------------------ Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast **DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise. 🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify. Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📩  Email us: Steven@steven-clark.com Nick@arcproperty.uk

In this special episode of the Scottish Property Podcast, Steven and Nick take the mic to review the key events and trends that shaped the Scottish property market in 2024. They also share their bold predictions for 2025, offering actionable advice to help investors navigate the year ahead. From the 8% ADS hike to emerging market opportunities, this episode is packed with insights for seasoned investors and newcomers alike. Episode Highlights: 2024 in Review: Key trends and surprises in the Scottish property market. The impact of the ADS increase to 8% and how it has affected investors. Sub-£40k properties and multiple dwellings relief—why they’ve gained attention. Predictions for 2025: Steven and Nick’s outlook on property prices and demand. Which areas in Scotland are poised for growth. How changing regulations could impact investments and strategies. Goal Setting for 2025: Reflections on personal and professional goals from 2024. Tips for setting achievable property investment goals in 2025. Networking and Community: Why attending property events is critical for growth. Sneak peek at upcoming projects, including an exciting Dubai trip for the podcast. As we wrap up 2024 and prepare for 2025, Steven and Nick provide a thoughtful look back at the year and share insights to help investors succeed in the year ahead. From market trends to goal setting, this episode is a must-listen for anyone involved in property investing. ------------------------------------------------------------------- Prime Property Auctions – Sell your property with no upfront costs and control the reserve price. Prime Property Auction: www.instagram.com/primepropertyauctions/ John: www.instagram.com/john_property_auctioneer/ Luis: www.instagram.com/luis_property_auctioneer/ Visit Prime Property Auction website: https://primepropertyauctions.co.uk/ --------------------------------------------- #ScottishPropertyPodcast #PropertyInvestment #2024Recap #2025Predictions #RealEstateTrends #BuyToLet #NetworkingEvents #ScottishHousing #FinancialFreedom #NewPodcastEpisode

In this episode of the Scottish Property Podcast, Liam and Emerald share their remarkable journey of building Empire Property Brokers, scaling their business, and diversifying property strategies. From humble beginnings to managing a fully integrated brokerage, their story is packed with insights on resilience, creativity, and persistence in the property investment world. Episode Highlights: From Personal Homes to Professional Ventures: How Liam and Emerald transitioned from selling their own homes to investing in property professionally. Early challenges in sourcing and building credibility in the property market. Scaling Empire Property Brokers: The growth from a property sourcing agency to a full-service brokerage. Offering end-to-end services, including sourcing, refurbishment, project management, and compliance. Their vision for adding a letting agency to their portfolio. Key Strategies and Deals: Leveraging student rentals to maximise income from two-bedroom flats. Securing a bungalow through creative networking and negotiation for a short-term rental strategy. Building relationships with overseas clients for consistent sourcing opportunities. Lessons Learned: The importance of transparency, strong client relationships, and social media presence. Overcoming challenges like sourcing delays and market uncertainties with adaptability and resilience. The value of starting with the end in mind and focusing on long-term goals. Liam and Emerald’s journey demonstrates the power of perseverance, smart strategies, and staying true to your values. Whether you're just starting out or looking to scale, their story offers practical advice and inspiration for building a successful property business. Follow Empire Property Brokers on Instagram: www.instagram.com/empirepropertybrokers/ --------------------------------------------------------------- Prime Property Auctions – Sell your property with no upfront costs and control the reserve price. Prime Property Auction: www.instagram.com/primepropertyauctions/ John: www.instagram.com/john_property_auctioneer/ Luis: www.instagram.com/luis_property_auctioneer/ Visit Prime Property Auction website: https://primepropertyauctions.co.uk/ ----------------------------------------------