The HMO Podcast

In this episode, I'm excited to be joined by a dear friend of mine, Ryan Gallace of Gallacom Property, the person who acquired my investment and management business.Ryan boasts a wealth of experience as both an investor and an entrepreneur. In this conversation, he generously shares his journey and insights into successfully scaling property businesses.During our discussion, we'll delve into the following key points:Ryan's background and the path that led him to become a property investorThe advantages of purchasing an existing business compared to starting from scratchA detailed look at the process involved in acquiring an existing businessThe nuances of managing Student HMOs versus Professional HMOsRyan’s advice for people who are just getting startedJoin us for another value-packed conversation as we explore Ryan's remarkable journey and gather valuable insights into the world of HMO property investment and entrepreneurship.-Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.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 -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

Today's episode is a unique business update as we kick off our 10-week trip, a long-anticipated journey that embodies the purpose behind my hard work, sacrifices, and commitment in building businesses.I'm pretty sure that most of you listening today share a deep sense of purpose driving your property investments, business ventures, and relentless efforts. Our 10-week journey is a once-in-a-lifetime experience for us, representing a significant milestone in my career. It's the result of years of hard work and dedication, positioning our businesses to a point where Gemma and I can comfortably take this trip. I'm immensely proud of what we've achieved to afford this opportunity.If you're curious about our trip and eager to catch up on the latest in my businesses, stay tuned. It's been another eventful month with its share of highs and lows, so don't go anywhere.Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.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 -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

Today, we have Ellie Broadhurst, our expert  broker from The HMO Roadmap, back to our show and we have some exciting topics on the agenda today. We'll dive into the recent positive developments in inflation data, discuss the Bank of England's decision to maintain the base rate, and explore how lenders are reacting to these changes and what they mean for all of us.But that's not all. We'll also be delving into the intriguing world of commercial valuations. It appears that there may have been some noteworthy shifts in how valuers calculate these figures, and we're eager to get Ellie's insights into what's happening in the market right now.Note: This episode was recorded on September 22, 2023.Be sure to listen here or watch episode 101 here where Ellie discussed How To Calculate The Commercial Valuation Of A HMO.If you’re Interested in discussing your HMO mortgage and finance needs, you can also contact Ellie Broadhurst here. -Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.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 -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

In this episode, I'm excited to bring you another mini-mentoring session featuring Dan Morehen, a US Property underwriter by trade who started investing in property 5 years ago.Dan, a property investor and a member of The HMO Community, our thriving Facebook group, volunteered to participate in a mini-mentoring session with me. He sent over these three questions below, and I'll do my best to provide valuable advice to help him with his HMO property business.What's the best way to scale the business to transition into full-time property?Is it still attractive to leave a corporate job with benefits such as pensions and private medical perks?What are your tactics for countering higher interest rates?By addressing these questions, the goal is to equip you with practical advice and ideas that you can implement to start or scale your own HMO property businesses.-Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.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 -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

What makes a good deal right now?In this episode, I want to redefine what profit means for HMO property investors right now. With inflation spiraling, costs soaring, and interest rates rising, we're left wondering whether investing in HMOs is still the right thing to do but one thing is for sure, profit margins have changed. If you're actively investing in HMOs and would like to know what makes a good deal right now and some ways to reduce costs, this episode is one you won't want to miss.-Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.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 -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

There are so many moving parts to growing and running a property business, and it seems that the more you grow, the less time you have, and the harder it becomes to continue growing your property business.So, in this episode, I’m excited to introduce Jane Scroggs, the driving force behind Beam, a dynamic team of property virtual assistants based in the UK. They handle all aspects of lettings admin, compliance, and optimising portfolio operations for their property investor clients.We’re going to discuss some important topics, including:How hiring a Property VA can help landlords and developers.The common pain points and struggles of property investors.The real value of outsourcing and delegating.What you need to prepare for when hiring a VA.Pros and cons of hiring a VA from an agency.-Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.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 -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

In today’s episode, I'm going to lay out the five absolute essentials that should be at the top of your checklist when you're starting an R2R business.These aren't just nice-to-haves; these are the non-negotiables that can truly shape the destiny of your R2R business. If you're already on this exciting path, don't worry – it's never too late to ensure you've got these tools in place.-Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.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 -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

In this episode, I'm joined by a good friend of mine, one of my longstanding mentees, and a previous guest on the podcast: Jonny Stockwell of Crockwell Properties.We're going to discuss some of the issues he's had to face and overcome, specifically regarding planning permission and the Article 4 direction in the areas where he invests. Our conversation will cover:The frustrations and challenges faced by HMO investors due to unclear regulations and inconsistent enforcement in Article 4 areas.The need for caution when making planning requests.The importance of educating yourself and all parties involved in the processHow the Article 4 regulations have impacted Jonny’s investment strategy.The significance of hiring a planning consultant with expertise in HMOs and local regulations.Why Jonny continues to invest in Article 4 areas despite the difficulties.If you're either applying for a change of use yourself or considering making changes to a property within an Article 4 direction, this episode is one you definitely don't want to miss.-Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.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 -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

In this episode, we delve into the recent increase in the base rate, marking the 14th consecutive rise. Currently standing at 5.25%, this change has significant implications for HMO property investors like you.To shed light on this matter, we've invited Ellie Broadhurst, our go-to specialist mortgage broker at The HMO Roadmap.Ellie breaks down the base rate increase and explains how it could impact your borrowing costs and investment strategies. But that's not all – we're also addressing an issue hitting close to home. Have you noticed changes in the way lenders approach their due diligence process?I’ll be sharing my own experiences and concerns, and Ellie provides invaluable insights into what's driving these changes and how they affect investors who rely on private finance to fund their deals.Whether you're in the midst of a purchase or gearing up for a refurbishment project, this episode could be helpful in preparing you and aiding you in making an informed decision.Interested in discussing your HMO mortgage and finance needs? Contact Ellie Broadhurst here. -Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.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 -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

Are you at the beginning of your HMO journey but feeling unsure and overwhelmed?In today's episode, I want to share the six most important things you need to nail if you're getting started with HMOs. These steps are crucial for building a strong foundation and setting yourself up for success. We’re going to talk about:The importance of understanding HMOsFinding the right propertyLegal requirements and planning permissions for HMOsFinancing HMOsRenovation and conversion strategies for HMOsFinding and managing HMOsNow, keep in mind that this episode is an overview. To really master each aspect, you'll need to dig deeper and explore more resources. The good news? There's a wealth of tools and information available to fine-tune your HMO strategy. By the end of this episode, you'll feel more confident and ready to take that leap of faith. Let's get started!-Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.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 -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.