The HMO Podcast

In today’s episode, I break down one of the most overlooked parts of running a successful property business - how you structure it.Most investors talk about yield, rent, and refinancing, but few think about what happens after they’ve made the money. Without the right structure, a huge chunk of your profits can disappear in tax - money that could have stayed in your business, been reinvested, and compounded into something far bigger over time.I reveal how smart tax planning and business structuring can protect your assets, improve efficiency, and quietly build long-term wealth in the background. I’ll walk you through exactly how I’ve set up my own group structure, why it’s been a game-changer for my portfolio, and how you can start thinking strategically about your own setup - no matter what stage you’re at.🎯 What You’ll LearnThe critical difference between tax avoidance and tax evasionWhat a group structure actually is and how it works in practiceWhy separating your trading, management, and investment arms protects your assetsThe hidden flexibility a holding company gives you when raising finance or sellingThe most common mistakes investors make (and how to avoid costly restructuring later)Why getting specialist advice early can save you tens of thousands over the long termIf you’re serious about scaling your HMO business, keeping more of what you earn, and building true financial resilience, this episode is essential listening. Structure it right now and your future self will thank you.-If 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.

In today’s episode, I break down the Renters Rights Act, the biggest shake-up to the UK rental market in decades, and explain what it really means for HMO landlords.This new legislation completely rewrites the rules for landlords, from the removal of fixed-term tenancies and Section 21 evictions to rent increases, pets, and the launch of a national landlord register. It’s a huge change that adds complexity and risk, but for those who understand it and prepare early, it also creates an incredible opportunity.In this detailed breakdown, I walk you through the 11 key changes every landlord needs to understand, how they’ll affect your portfolio in practice, and the steps you can take now to safeguard your business and turn regulation into opportunity.🎯 What You’ll LearnWhat the Renters Rights Act actually changes for HMO landlordsHow assured periodic tenancies will replace fixed-term tenanciesWhat the end of Section 21 evictions means for possession and controlHow the new Section 8 grounds will operate in practiceWhy student landlords must rethink their tenancy cyclesThe new rules on rent increases, pets, and rent biddingHow the Private Rented Sector Ombudsman and database will affect youWhat Awaab’s Law means for damp and mould responsibilitiesWhy these changes will drive many landlords out and how to seize the opportunity left behindIf you’re serious about building, scaling, and protecting your HMO property business, this episode is essential listening. Understanding these changes now will give you a clear advantage and help you turn uncertainty into opportunity.If 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.

In today’s episode, I break down the 14 key numbers every serious HMO investor should be tracking — the exact metrics that separate property owners from true property business owners.Over the years, I’ve seen countless investors who know their rent roll but have no idea how their portfolio is actually performing. In this solo deep dive, I walk you through the essential calculations, from yields and ratios to returns and risk measures, that reveal how efficient, profitable, and resilient your business really is.If you want to move from managing properties to running a professional property business, grab a pen and paper because this one’s packed with insight, examples, and actionable steps you can start using today.🎯 What You’ll LearnThe 14 must-know financial metrics for every HMO investorHow to calculate and interpret gross yield, net yield, and ROIThe difference between return on investment and return on capital employedHow to measure efficiency with operating cost and gross-to-net ratiosWhy your debt service coverage ratio matters to lendersHow to benchmark deals using cost per room and £ per square footThe simple occupancy formula that reveals the health of your portfolioHow to make confident, data-driven decisions about your next dealIf you’re serious about building a real property business that performs like a business, not just collecting rent, this is the episode for you.If 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.

In today’s episode, I sit down with Craig Fisher, the founder of CF Commercial, HausProud 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.