

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

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.

Jun 25, 2025 • 36min
Scaling from 5 to 50 HMO Rooms — What Would I Do Differently?
In this episode, I’m taking you behind the scenes of my own journey scaling from 5 to 50 HMO rooms. I’m rewinding the clock and sharing exactly what I’d do differently if I had to do it all over again.You’ll hear the honest truth—what really worked, what I got completely wrong, and the lessons I learned the hard way. Most importantly, I’ll walk you through a practical, no-fluff playbook for growing your own HMO portfolio in a smarter, faster, and more sustainable way—without repeating my mistakes.Topics covered in this episode:02:51 - Key Success Factors in Growing HMO Portfolio12:08 - Mistakes Made and Lessons Learned25:26 - What I Would Do Differently-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.

Jun 18, 2025 • 25min
When to Sell Your HMO (And Why Holding On Could Be Slowing You Down)
In this episode, we’re talking about when it might be the right time to sell your HMO – and why holding on to it could actually be holding you back.At some point, the decision of whether or not to sell your assets is something you'll need to give serious thought to. So today, we’ll explore the different scenarios where selling could be a smart and timely move.But to be clear – this isn’t about convincing you to sell. Far from it. It’s about helping you prepare, so that when the time does come, you’re in the strongest possible position to get the very best return from your HMO.Topics covered in this episode:01:21 - Understanding the Right Time to Sell Your HMO02:31 - The Importance of Selling in Property Investment04:25 - Seven Reasons to Consider Selling Your HMO19:47 - Preparing for the Sale: Building a Sellable Asset-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.

Jun 11, 2025 • 41min
Funding HMOs in 2025: Inside the Lender’s Mind with Together Finance
In this week's episode, I’m joined by Ryan Etchells from Together. Ryan is the Chief Commercial Officer at Together, one of the UK’s leading specialist lenders. With a huge lending book, a strong appetite for HMOs, and years of experience in the sector, they really know their stuff.What you’ll discover today is that Ryan brings a unique and valuable perspective from the lender’s side of the table. He shares some brilliant insights—and, more importantly, practical advice—that could help you strengthen your applications and build better relationships with lenders.So, if you’re finding it tough to get the results you want from a lender, or if scaling your property business has hit a financing wall, then this episode is one you don’t want to miss!Topics covered in this episode:03:13 - Understanding Together Finance and Its Unique Approach07:43 - Current Trends in HMO Lending and Market Dynamics12:45 - The Importance of Relationships with Lenders17:04 - Defining a Good Deal in the HMO Market34:54 - Case Study: A Unique HMO Investment Story-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.