The HMO Podcast

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.

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.

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.

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.

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.