The HMO Podcast

I’m sharing a recent conversation I had as a guest on The BEESPACE Podcast, hosted by my good friend Jade McNeil.Jade and I covered a wide range of topics—not just HMOs and property—but also the bigger-picture stuff: balancing life and business, navigating challenges, and the personal shifts that come with experiences like becoming a parent or facing health scares.It’s a really open and honest chat. If you're running a business, managing a property portfolio, or simply trying to keep up with everything life throws at you, I think you’ll find this episode both relatable and insightful.Topics covered in this episode:09:02 - Career Transition From Physiotherapy to Property21:05 - Building Arcvelop Investor Group27:57 - Navigating the Challenges of Property Development31:09 - Building Credibility Through Consistency33:45 - Creating The HMO Community and The HMO Roadmap39:17 - Navigating Social Media Challenges47:09 - The Impact of Fatherhood on Business-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.

Whether you're personally investing in property or not, most people understand just how challenging it can be to find reliable builders and contractors. And we all know – regardless of our experience in property – how difficult it is to keep project costs sensible and under control.But as HMO investors, we recognise that this is a crucial part of building a successful business. We need to be able to secure the best contractors at the most competitive prices.In this episode, I’m going to share exactly how I go about doing this.Topics covered in this episode:01:23 - The Importance of Finding Good Contractors03:26 - Planning Ahead for Contractor Engagement12:04 - Building a List of Potential Contractors20:35 - Preparing the Information Pack31:04 - Understanding Contracts and Agreements37:39 - Building Long-Term Relationships with Contractors-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 breaking down the headlines and taking a deep dive into the data to uncover what’s really happening in the UK property and rental market. This is your April HMO Property Market Update—covering everything from house prices and mortgage rates to changes in tenant behaviour, the rental market, and new regulations. We’re covering it all in this episode.Whether you're a landlord, investor, or just keen to stay informed, this is your full market download to help you navigate the landscape with clarity and confidence.Topics covered in this episode:02:31 – In-Depth Look at House Prices10:05 – Rental Market Trends & Tenant Behaviour16:08 – Interest Rates & Mortgage Updates20:11 – Key Changes in Legislation & Licensing23:03 – Broader Economic Overview25:24 – Effects on the Student Housing Market-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 really excited to be joined by Jack Jiggens of XP Property, a very experienced property investor and developer. Jack has learned a lot over the years, and today he’s sharing what it really takes to build a successful property business.Jack shares tips on finding deals, working with partners, and getting funding. We also talk about the ups and downs of the journey, and why being flexible and always learning is so important in this industry.If you’re in property—or thinking about it—this one’s packed with useful advice. Topics covered in this episode:03:00 – Jack’s Journey into Property Development10:01 – Key Insights on Building a Property Business20:02 – The Importance of Strategic Partnerships23:48 – Funding Strategies for Growth32:14 – How to Find and Structure Profitable Deals-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.

They’ve won awards, they’ve grown their portfolio steadily and strategically, and they’ve done it all while raising a young family. Jake and Lucy of Innova Property—mentors at the HMO Roadmap and recently crowned HMO Property Investors of the Year at the Property Investors Awards—are back on the podcast!In this episode, we’re pulling back the curtain on what’s been going on behind the scenes in their business. You’ll hear how they’ve continued to grow in a tough market, and the practical strategies they’re using to stay on track and scale sustainably.If you’re looking to grow your own property business—whether it’s recycling more cash, accessing funding, finding great deals, building better systems, or simply freeing up your time—this episode is packed with actionable insights. Especially if you’re trying to juggle it all alongside family life, travel, or other commitments.Topics covered in this episode:02:59 – The challenges of scaling a property business06:02 – Diversifying your property portfolio strategically11:56 – Systemising operations to boost efficiency15:09 – Knowing when it’s the right time to sell18:06 – The importance of rental confidence in today’s market20:30 – How the HMO landscape is evolving25:14 – The three key pillars of successful property investing28:09 – How to build and nurture strong investor relationshipsListen to other episodes with Jake & Lucy:Ep 14 - Jake & Lucy - Building A Portfolio Using Parallel Strategies & A 25% ROI Case StudyEp 143 - More Properties, Bigger Projects And Even Better Results with Jake And Lucy Want to join Jake & Lucy’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.

In this episode, I shared the five most difficult aspects of investing in HMOs—and property in general. These are the challenges that have nearly made me quit on more than one occasion.If you’ve been investing long enough, you’ve likely faced some of these issues. By being open and honest about them, we can better prepare ourselves and realise we’re not alone in experiencing them. Knowing that others face the same struggles can give us the motivation to keep going. This episode is important because the issues we’re discussing are serious.Topics covered in this episode: 03:01 The Five Difficulties in HMO Investing05:54 Planning Challenges12:08 Financial Risks 17:54 People Management 22:01 Finding Deals in a Competitive Market25:46 The Importance of Resilience Please leave us a quick review on Apple Podcasts or Spotify to help us celebrate this milestone!-Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. 

In this episode, we're revisiting a popular episode where I answered a question I’ve been asked many times: what would I do if I had to start from scratch, but with £100,000? This is a common question in our community, and while the answer depends on personal goals, resources, and limitations, I’m going to share exactly how I would approach it. I believe my method is adaptable to any situation, and I hope you find it useful and insightful. Reflecting on my own journey has been fun, and I’m excited to share tips and strategies that can help you, no matter your business stage.Please leave us a quick review on Apple Podcasts or Spotify if you enjoy this episode!-Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a starter or premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. 

In this episode, I'm joined by community member Ranjit Singh. Ranjit is a civil engineer and he's been using his skills and insights and experience from civil engineering to help him build a HMO property business. I want to find out how he's been doing that, what challenges Ranjit has had to overcome to get where he is.We're also going to talk specifically about planning restrictions, about the changing and evolving landscape of the areas that he invests in and how he has been dealing with these. If you're an investor just getting started, perhaps you're a bit further along on your journey, this is definitely an episode you want to stick around for.Topics covered in this episode: 02:30 - Ranjit's Journey into Property Investment 06:57 - The Reality of Building a Property Portfolio 11:22 - Adapting to Market Changes in Derby 18:21 - Planning Challenges and Overcoming Obstacles 26:13 - Defining a Good Deal in HMO Investments 32:35 - Long-Term Strategies and Risk ManagementPlease leave us a quick review on Apple Podcasts or Spotify to help us celebrate this milestone!-Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get started now!

In this episode, I’m joined by Kevin, a former mentee of mine, and his wife, Angelina. Together, they run a property business called Nouveau Living. And for the first time on the show, we’ll be discussing turnkey services. Most of our guests talk about how they’ve built their own property businesses, but Kevin and Angelina are taking a slightly different approach. While they’re building their own asset-based HMO portfolio, they also offer a turnkey service.We’ll explore what that looks like, covering everything from investing in HMOs, refurbishments, and interior design to creating products for your customers. Topics covered in this episode:02:51 - Kevin and Angelina’s Journey to HMO Property Investment14:56 - Understanding the Turnkey Service Model25:00 - Meeting Investor Expectations27:43 - Adapting to Changing Trends in the Rental Market30:32 - The Importance of Durability in Property Design33:00 - Managing Contractors and Development RisksPlease leave us a quick review on Apple Podcasts or Spotify to help us celebrate this milestone!-Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get started now!

Are you using private finance to grow your HMO property business? And are you combining that with high street or bank finance? If so, that's great! In principle, there's nothing wrong with this approach. However, if it's not set up or managed correctly, it can lead to some serious issues, especially when it comes to refinancing or trying to repay your private investors.In this episode, Ellie Broadhurst, our specialist mortgage broker will discuss the potential consequences of getting this wrong. And trust me, it’s easy to overlook or mismanage certain aspects. In fact, a lot of what we'll cover today may be things you’re not even aware of—yet they can be major red flags for a bank when it comes to refinancing. If you make these mistakes, you could find yourself in a difficult situation, unable to pay back investors or refinance your property. If you're using private finance, this episode is crucial for you. Topics covered in this episode:04:57 - Understanding the Risks of Private Finance in Property Investment10:03 - Mitigating Risks and Ensuring Due Diligence14:57 - The Importance of Source of Funds and Investor Background Checks24:10 - Realistic Cost Assessments in Refurbishments31:35 - Managing Timelines and Expectations36:13 - Market Predictions and Future TrendsContact Ellie here, if you’re interested in discussing your HMO mortgage and finance needs.-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.