

The HMO Podcast
Andy Graham
Welcome to The HMO Podcast, the dedicated resource for HMO and Co-Living property investors and developers! Join me and my special guests to learn everything you need to know about HMO property investment, from the tips, tricks and hacks that can save you time and money, to the best practice advice, the technical 'know-how' and inspirational stories of success and failure that will help you start, scale and systemise your very own HMO portfolio or business today.
Episodes
Mentioned books

Sep 3, 2025 • 27min
Is Property Investment Dead or Just Changing?
Is property investment dead, or is it just changing?In this episode of The HMO Podcast, I dive into the challenges facing investors right now - from economic pressures and new legislation to shifting market dynamics. But it’s not all bad news. I’ll share why a low-sentiment market can actually present some of the best opportunities, and why taking a long-term perspective is key to navigating today’s property landscape.Here’s what we cover in the episode:02:50 Current Economic Climate05:44 Market Sentiment and Investor Confidence08:33 Legislative and Regulatory Pressures on Landlords11:49 Financial Headwinds Facing Property Investors14:39 Market Dynamics and Property Values17:54 Opportunities Amidst ChallengesThis episode is sponsored by Tide Business.Sign up to Tide using this link and enter the promo code ROADMAP to get £50 cashback when you spend £100 on your new Tide card. T&C's Apply. #TideBusiness #TideBanking-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

Aug 27, 2025 • 48min
Inside A Cambridge Super Deal: How Sam Carter Adds Value & Reduces Risk
Today I’m joined by Sam Carter of SJC Property Developments, who’s showing us that it’s absolutely possible to make property deals work—even in one of the most expensive parts of the country. Sam and his family are building a thriving business in Cambridge, and their latest project is nothing short of remarkable.They secured a property that was originally on the market for £725,000 at a bargain price, applied a smart strategy with multiple exit options, and turned it into a deal that generated hundreds of thousands of pounds.In this episode, Sam and I dive into exactly how they pulled it off, the key decisions that made this project such a success, and what it really takes to grow a profitable property business when many people insist the deals just aren’t out there.So, if you’ve ever thought opportunities only exist in the cheaper parts of the country, this conversation will make you think again.Here’s what we cover in the episode:02:57 Sam Carter’s Background and Early Influences05:47 Transitioning from Employee to Entrepreneur14:44 Understanding Exit Strategies and Risk Mitigation20:54 Dealing with Unexpected Challenges in Property Development26:34 The Importance of Mentorship and Continuous Learning32:49 Creative Strategies for Maximizing Property Value35:42 Building a Personal Brand and Networking for Growth-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

Aug 20, 2025 • 49min
Unfiltered: HMOs & Growing My Property Biz (with PropertybyKazy)
In today’s episode, I’m sitting down with Kazy from Property by Kazy for a no-holds-barred conversation about my journey in property and what it’s really taken to build the businesses I have today.We cover it all—the hard truths, the challenges I’ve faced, the mistakes I’ve made, and the realities that don’t often get talked about. But it’s not all doom and gloom—we also dive into the exciting opportunities ahead for property investors and why, despite the ups and downs, this journey is worth it.This is my unfiltered take: the highs, the lows, and everything in between. If you’re building your own property business and finding it tough, maybe slower than you’d like, I think you’ll take comfort in knowing you’re not alone—and that you’re probably doing exactly what you should be doing.Hopefully this episode inspires you, motivates you, and above all, keeps it real. From the very beginning of my story right through to my latest deals, this is the most complete picture I’ve shared of my journey so far.Here’s what we cover:02:54 – Understanding HMOs, The Student Market and Its Benefits15:15 – Systemisation in Property Management18:58 – Building a Property Portfolio24:05 – Transitioning to Education and The Value of Mentorship33:08 – Commercial Valuations and Market Risks37:54 – Common Mistakes in HMO Investing39:42 – Current Projects and Future Goals-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

Aug 13, 2025 • 45min
Struggling to Grow Your Property Business? Here’s What Actually Works with Rebecca Alcock
Today, I’m joined once again by a familiar face on the podcast — Rebecca Alcock. You might remember Rebecca from our January episode. She’s a former mentee of mine who, alongside her husband Jolly, has gone on to achieve some incredible things in the HMO world.This time, Rebecca’s back with some very exciting news to share. I won’t spoil the surprise just yet, but I was keen to dig into exactly how she’s built such success, the challenges she’s overcome, and the strategies that have worked for her.Whether you’re just starting your HMO journey or looking to scale but finding it tough, there’s a lot to take away from Rebecca’s story, methods, and approach. Here’s what we cover:05:43 - Long-Term Vision and Diversification08:52 - Managing Challenges and Chaos11:48 - Transitioning from Corporate to Property14:56 - Overcoming Time Constraints and Prioritising Goals20:36 - The Role of Accountability and Mentorship23:30 - Navigating Information OverloadIf you want to join Rebecca’s 1-2-1 mentoring program, you can enquire here.-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

Aug 6, 2025 • 50min
From 3-Bed Terraces to £3M Projects: Inside a £12k PCM Deal with Emma Estill
Emma Estill and her husband Dan from Stylish Living started their property journey in 2019 with simple three-bed terraces. Just a few years later, they’re developing £3 million sites, running their own build team, and managing multiple businesses in property.In this episode, Emma shares how they scaled through challenges, stayed family-focused, and built success by taking on tough projects. We’ll also discuss their standout deal — a derelict nightclub with planning and access issues that most investors avoided. They transformed it into a property generating over £12,000 net per month.Tune in to hear Emma’s journey, the lessons learned, and why saying yes to the hard stuff can pay off big.-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

Jul 30, 2025 • 47min
How I Cut Risks To Maximise Profit and Scale Faster
In this episode, we’re diving into one of the most important pillars of property investing – risk. It’s the foundation behind every decision we make, yet too many investors spend far too little time thinking about what risks they face, where they come from, and how to manage them.After nearly 20 years in this game, I’ve learned that becoming more risk-aware doesn’t mean doing fewer deals – it means doing better ones. As I’ve grown older, with more to lose and more people depending on me, I’ve approached risk differently. I’ve structured deals smarter, had better conversations, and ultimately built safer, stronger businesses because of it.Today, I want to help you do the same. We’ll unpack what risk really is, where it comes from, and how you can mitigate it to build a more resilient property business. 02:46 – Understanding Different Types of Risks 05:52 – Sources of Risk in Property Investment 08:35 – Mitigating and Managing Risks 41:34 – Evaluating Project Viability-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

Jul 23, 2025 • 26min
0-10 HMOs: 5 Key Lessons for Bigger, Better & Faster Results [REWIND]
In this special rewind episode, I’m sharing what is hands down one of the most important and most downloaded episodes I’ve ever recorded. Originally a talk I gave at the HMO Awards, it’s packed with the 5 biggest lessons I’ve learned from scaling my own portfolio and from some of the most successful investors I know.If you're working towards 10 properties, aiming for that £10K/month milestone, or just need a bit of motivation to cut through the noise, this one's for you.These are the lessons that genuinely moved the needle in my business and still do today.-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

Jul 16, 2025 • 34min
Business, Builds & Balancing It All #BizUpdate
In today’s episode, I’m sharing one of my honest, no-filter business updates. It’s been a while since the last one in February, and there’s a good reason I’ve waited until now.I’ll be lifting the lid on what’s been happening in my world: from the latest in my development and HMO businesses, to everything I’ve been juggling outside of work. These updates are my way of keeping things real and transparent with you.Yes, I’m a property investor and business owner, but like many of you, I’m also trying to balance other goals and challenges in life. And let’s face it, none of this is easy.So if you’re curious to know what’s really been going on behind the scenes - good, bad, and everything in between, tune in and enjoy this catch-up episode.-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

Jul 9, 2025 • 29min
The 60-Second Check: How to Instantly Filter Bad HMO Deals Out
If you're spending way too much time looking at HMO deals that just don’t stack up, this episode is for you. I’m breaking down the exact 60-second check I use to quickly filter out the rubbish - and trust me, this will save you hours (and probably a few headaches too).Here’s what we cover:02:20 - The Importance of Efficient Deal Filtering05:42 - Key Metrics for Evaluating HMO Deals11:47 - Understanding Planning and Its Implications17:39 - Refurbishment Costs and Their Impact on DealsThese quick checks will save you hours, stress, and potentially a lot of money. If you want to stop wasting time and get focused on deals that actually work—tune in now.-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

Jul 2, 2025 • 27min
You’re Not Scaling — You’re Spinning Plates (Here’s How To Hit £10K Faster)
Are you working harder than ever on your HMO business, but still not seeing the progress you expected?You’re not alone and this episode is here to help. We’re diving into the reasons so many HMO investors get stuck spinning plates, and the practical steps you can take to finally break through and scale towards that £10k-a-month milestone.Here’s what we cover: 01:36 – The key challenges holding your HMO business back 10:35 – Proven strategies to overcome stagnation 11:06 – How delegation and outsourcing can drive growth 16:10 – Systemising your business for consistent results 19:28 – The importance of focus in achieving your goals-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.