The HMO Podcast

In today’s episode, I sit down with Craig Fisher, the founder of CF Commercial, Haus Proud Living, and co-founder of Yvonne Ellen, to unpack how he’s built a £250k-per-year HMO portfolio while running several multi-million-pound businesses.Craig joined my mentorship programme in June 2023, and together we’ve focused on building a simple, repeatable model that works. In this conversation, I pull back the curtain on the exact deal criteria, refurb standards, KPIs, and risk controls Craig uses to make sure his portfolio performs, even when he isn’t there.If you’re busy, ambitious, and want to build a property business that runs on systems rather than heroics, this is one you don’t want to miss.🎯 What You’ll LearnThe HMO model we implementedHow I helped Craig invest remotely with trusted partnersThe weekly KPIs we track to keep performance on targetSmart risk management strategies that protect your projectsHow Craig successfully raises private finance for growthWhy focus beats chasing clever dealsIf you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!💻 Resources & MentionsMentorship: Ready to take things to the next level? Apply to join my 1-2-1 mentorship programme here.The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.Facebook Group: Got questions or need support? Come and connect with 10,000+ investors inside The HMO Community here.Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.

This week, I’m sitting down with Laura Ackers of Haus Property, someone I’ve had the privilege to watch go from zero property background to a Manchester-based HMO portfolio that’s given her and her husband Dan genuine freedom. In just a few years, they’ve stepped away from their jobs, systemised the business, and moved their young family to Mallorca on a three-year visa.Here’s what we cover in the episode:03:46 - The Journey From Hairdressing to Property Investment09:54 - The Challenges of Starting a Property Business14:51 - Achieving Freedom Through Property19:59 - The Role of Mastermind Groups in Success24:47 - Case Study: A Standout 8-Bed Social HMO ProjectIf you enjoyed this episode, hit subscribe and drop a quick review - it helps more investors find the show!🔥 Feeling overwhelmed? Join The HMO Roadmap Premium Plan at 20% OFF and access 400+ resources to help you start, scale & systemise your HMO business! Hurry! Offer ends Oct 15th! Get started 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!If you want to join my 1-2-1 mentoring program, you can enquire here. Connect with me on Instagram or Linkedin for daily HMO tips and advice! 

There’s a lot of fear in the market right now. Everywhere I look, investors are sitting on their hands or even thinking about selling up. The media is full of doom and gloom, interest rates are high, the Renters Reform Act is looming, and costs are up across the board.But here’s the truth - this is exactly when real opportunities appear. When everyone else is frozen, the smart investors are looking the other way.In this episode, I dive deep into why I genuinely believe we could be standing in one of the best buying opportunities in decades. I’ll unpack what’s really going on with the market, how to reframe your fear, and why long-term fundamentals still matter more than ever. If you’ve been feeling nervous, waiting for the “right time” to buy, or just unsure what to do next, this episode is for you.-🔥 Feeling overwhelmed? Join The HMO Roadmap Premium Plan at 20% OFF and access 400+ resources to help you start, scale & systemise your HMO business! Hurry! Offer extended until Oct 15th! Hurry! Get started 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!If you want to join my 1-2-1 mentoring program, you can enquire here. Connect with me on Instagram or Linkedin for daily HMO tips and advice! 

In this episode, I’m joined by Dr. Michael Taylor of Parable Property, who spent years working as a GP before deciding it was time for a complete change. Michael shares how he left behind the security of medicine to take on the uncertainty of building his own property portfolio - something many people dream about but few have the courage to actually do.What I love about Michael’s story is how honest he is about the journey. He faced big setbacks at the start, but instead of walking away, he stuck with it, learned from the experience, and pushed forward. Today, he’s running a successful property business, supporting others, and proving what’s possible when you back yourself and commit.This conversation is a brilliant reminder that it’s never too late to start again, and that persistence and resilience are often more important than getting everything right the first time.Here’s what we cover in the episode:02:34 Transitioning from Medicine to Property Investment14:47 Overcoming Initial Setbacks in Property Deals17:41 The Importance of Support and Networking23:37 Choosing the Right Location for Investment27:02 Building Relationships with Contractors29:41 Diversifying into Supported Living-🔥 Feeling overwhelmed? Join The HMO Roadmap Premium Plan at 20% OFF and access 400+ resources to help you start, scale & systemise your HMO business! Hurry! Offer extended until Oct 15th! Hurry! Get started 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!If you want to join my 1-2-1 mentoring program, you can enquire here. Connect with me on Instagram or Linkedin for daily HMO tips and advice! 

If you’re in property long enough, something will go wrong and I’ve been there more times than I can count. Builders have disappeared, finance has fallen through at the eleventh hour, planning has thrown me curveballs, and valuations have come in soft. The truth is, these challenges aren’t the exception… they’re the rule.In this episode, I’m sharing the simple framework I use to deal with setbacks without letting them knock me off course: the 3 R’s of Resilience - React, Reframe, Recover. Over nearly 20 years in the industry, this approach has helped me turn problems into lessons, lessons into systems, and setbacks into a stronger business.If you want to build a serious HMO portfolio, resilience isn’t optional - it’s essential. Tune in and I’ll show you how to put it into practice.-👉 This 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-🔥 Feeling overwhelmed? Join The HMO Roadmap Premium Plan at 20% OFF and access 400+ resources to help you start, scale & systemise your HMO business! Hurry! Offer ends on September 30th! Get started 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!If you want to join my 1-2-1 mentoring program, you can enquire here. Connect with me on Instagram or Linkedin for daily HMO tips and advice! 

This week, we’re shaking things up. Instead of focusing on a single topic, I’m sharing some of the most thought-provoking debates and discussions happening right now inside the HMO community.The truth is, the best ideas don’t just come from me sitting here deciding what to talk about — they come from you. From the questions you’re asking, the challenges you’re tackling, and the creative strategies you’re putting forward. And because we don’t always agree, the conversations are all the more valuable.In today’s episode, we’ll dive into four hot topics:A Treasury rumour: could National Insurance really be charged on rental income? It’s unconfirmed, but it’s already raising big questions about valuations, market values, and what it could mean for landlords.A planning hack I never knew about even after 20 years in the business. A clever strategy to take your HMO from six to seven beds.Valuations under pressure: are they starting to come in lower, and what trends are we actually seeing on the ground?The great desk debate: should you put desks in bedrooms, and are fold-down versions really worth it? A surprisingly simple question with a lot of strong opinions.Tune in to see where you stand on these debates and maybe pick up a new strategy or two along the way.-👉 This 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-🔥 Feeling overwhelmed? Join The HMO Roadmap Premium Plan at 20% OFF and access 400+ resources to help you start, scale & systemise your HMO business! Hurry! Offer ends on September 30th! Get started 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!If you want to join my 1-2-1 mentoring program, you can enquire here. Connect with me on Instagram or Linkedin for daily HMO tips and advice! 

Today, I’ve got Ellie Broadhurst, our specialist mortgage broker back on the show.With the media shouting about property crashes, falling prices, lenders pulling deals, and down valuations, I wanted to sit down with Ellie to find out what’s really happening. Because on the ground, it feels very different.In this episode, we dig into the truth behind the headlines: what’s going on with interest rates, how valuations are looking, what lenders actually think about HMOs right now, and whether there’s still room for growth in the market.If you want some clarity in the middle of all the noise, this conversation is for you.Contact Ellie here, if you’re interested in discussing your HMO mortgage and finance needs.-👉 This 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-🔥 Feeling overwhelmed? Join The HMO Roadmap Premium Plan at 20% OFF and access 400+ resources to help you start, scale & systemise your HMO business! Hurry! Offer ends on September 30th! Get started 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. 

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.

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.

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.