The Property Podcast

This week, Ask Rob & Rob is all about mortgages.  Sam from London wants to know how long she should be fixing her mortgage for, given the discussions about inflation. Should she fix for as long as possible or go with two years?  Rob B tackles this one, sharing details on his own mortgage to help Sam out.  Then we’ve got a strategy question from Tom.  He wants to know if it’s smart to opt for an interest-only mortgage for his residential property.  His idea is to save the difference between the interest-only payments and what he’d be charged for a repayment mortgage.  Tune in to find out.  Do you have a buy-to-let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply).   Or if you prefer, click here to leave a recording via your computer instead.  The next question on Ask Rob & Rob could be yours.   Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So, get yourself over and introduce yourself.  And if you’d like to find out more information about Portfolio you can do that here. See omnystudio.com/listener for privacy information.

It’s your update on the current mortgage market The thing on every investor’s mind is... mortgages.  Which rates are good rates? How long should you lock a mortgage in for? What should we be searching for in a mortgage advisor?  The Robs know there’s a bit of a mortgage meltdown happening, and that’s why they’ve brought on a mortgage expert for this week’s episode.  They ask all the questions you want answers to (and ones you’ve not thought to ask) in this episode.  Hub Extra This is an app that Rob & Rob both use and are big fans of.  And they didn’t even recommend it to each other!  Todoist is an organisational app, and it’s very one-track-minded, which Rob D says he enjoys.  To find out how Rob & Rob utilise the app, hit play on this episode.  Let’s get social  We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do.  Make sure you’ve liked and subscribed to our YouTube channel where we upload new content every week!  If that wasn’t enough, you can also join our friendly property community on the Property Hub forum.  And if you’d like to find out more information about Portfolio you can do that here. See omnystudio.com/listener for privacy information.

We’re back with more listener questions on Ask Rob & Rob.  First up, we’ve got a question from a listener (who forgot to leave their name, so we’ve christened them Billy).  They’ve been hearing about lease options from a mentor, and wanted to know more about purchasing lease options as a strategy.  Does this make sense or is it a dated way of approaching property?  And next is a question we’re sure lots of you can relate to – what to do about EPC ratings?  James has just purchased a property that’s currently rated a D, and he wants to know what the best option is for him moving forward.  Tune in to find out.  Do you have a buy-to-let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply).   Or if you prefer, click here to leave a recording via your computer instead.  The next question on Ask Rob & Rob could be yours.   Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So, get yourself over and introduce yourself.  And if you’d like to find out more information about Portfolio you can do that here. See omnystudio.com/listener for privacy information.

How will rent freezes and eviction bans affect property investors? It’s official, the scary headlines are true... Scotland will be introducing a rent freeze and eviction ban in response to the cost-of-living crisis.  But how will this affect property investors, and will the rest of the UK follow suit?  Tune in to find out what’s happening and what it means for you.  Hub Extra We’re all big readers here at Property Hub HQ and this week Rob B is bringing us the reading hack that completely changed his life!  This mindset was first introduced to Rob B by Naval Ravikant, and it’s completely shifted the way he thinks about reading.  Has a book ever become so disinteresting to you, that finishing it actually feels like a chore?  Well, what if we told you you’re under no obligation to finish that book? If the book is no longer adding value or entertaining you, then skip ahead a little and if it’s still not interesting you – don't finish it!  It seems so simple, but it’s such an alien concept to most, as for some reason we feel obliged to finishing the book we’ve started.  But if you adopt this mindset, you’re guaranteed to start finding reading enjoyable again.  Let’s get social We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do.  Make sure you’ve liked and subscribed to our YouTube channel where we upload new content every week!   If that wasn’t enough, you can also join our friendly property community on the Property Hub forum.  And if you’d like to find out more information about Portfolio you can do that here. See omnystudio.com/listener for privacy information.

It’s Tuesday and you know what that means – Rob & Rob are back answering your questions!  Paul’s kicking us off this week, and he’s got a question about buying off-plan property.  Paul’s still new to investing, but he’s already exchanged on two off-plan properties in Manchester city centre that are due to complete in Q2 of 2024 and he’s considering getting a third.  However, he’s now wondering if it’s actually a good time to be buying off-plan.  When the time comes for him to get a mortgage, will interest rates be even higher? And could he actually struggle to get one due to not meeting lending criteria?  Next up, we’ve got a question from Ed.  Ed is also new to investing and currently has a freehold property in London. He’s currently soaking up as much Property Hub content as he can, but he wants to know if Rob & Rob could recommend the best podcast episodes for beginners like himself.  Tune in and find out what the guys had to say.  Looking for the links? They’re right here:  New to The Property Podcast? Start here!  Our top five episodes  Do you have a buy-to-let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply).   Or if you prefer, click here to leave a recording via your computer instead.  The next question on Ask Rob & Rob could be yours.   Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So, get yourself over and introduce yourself.  And if you’d like to find out more information about Portfolio you can do that here. See omnystudio.com/listener for privacy information.

Where’s best to invest in the UK?   Our hotspot episodes always go down a treat and are usually one of our most popular episodes of the year, but we think this one might be even better...  If you think Rob & Rob don’t cover Scotland and Wales enough, today is your lucky day - as they’ll be revealing the top three places to invest in England, Scotland and Wales.  So, if you’re planning your next investment, you might want to start looking into these locations...  In the news  You might’ve guessed what news story Rob & Rob would be chatting about today, which is of course, we’ve got a new PM!  This is the third new Prime Minister the UK has seen in the last six years without a general election, so what have the guys got to say about it and how this will impact investors?  Hub Extra  We’ve been ramping up our YouTube channel here at Property Hub, so of course Rob & Rob have been spending more time on YouTube and searching for some of the platform's best content!  So, it’s only right that they recommend another cracking channel to you.  Leon Hendrix’s channel focuses on personal development, and whilst YouTube is swamped with a lot of similar videos, Rob Dix has found Leon’s channel to be a breath of fresh air.  He takes well-known concepts and makes them super compelling, so this is definitely one to add to your watch list – who said learning couldn’t be entertaining!  Let’s get social  We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do.  Make sure you’ve liked and subscribed to our YouTube channel where we upload new content every week!   If that wasn’t enough, you can also join our friendly property community on the Property Hub forum.  And if you’d like to find out more information about Portfolio you can do that here. See omnystudio.com/listener for privacy information.

It’s time for some more listener questions!  And getting us started this week is Helen.  Helen has three rental properties, each of which are on fixed rate mortgages, which are due to end soon in 2024-2026.  Helen’s hoping Rob & Rob can shed some light on what she can do to prepare for her fixed rates coming to an end.  Next up, we’ve got a question from Dan.  Dan’s sister is currently looking for a property to rent, and he’s had a thought! As he’s looking to get into property investment, should he purchase a property and rent it out to his sister?  It seems like a win-win situation as his sister gets a landlord she can trust, and he’d get a reliable tenant from the get-go.  Do Rob & Rob think it’s a good idea or is it a disaster waiting to happen?  Tune in to find out.  Do you have a buy-to-let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply).   Or if you prefer, click here to leave a recording via your computer instead.  The next question on Ask Rob & Rob could be yours.   Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So, get yourself over and introduce yourself.  And if you’d like to find out more information about Portfolio you can do that here. See omnystudio.com/listener for privacy information.

It’s the September Market Update Rob & Rob are back with your monthly update!  It’s all doom and gloom in the media, and with negative headlines everywhere you look, it can be difficult to keep up!  But don’t worry because Rob & Rob have got you covered...   All the links you need are right here:  House Prices  Rightmove House Price Index  Rents  Rising prices see renters stay put  Historic low for voids as rental market under-supply goes on  Rent rises lag far behind inflation - new government figures  Generation Rent promoting new rent freeze campaign  Mortgages  Weekly rate watch: Prices take cue from weather with significant rises  Holiday Lets  Number of active holiday lets increase by as much as 33%  Landlords evicting tenants for Airbnb and holiday lets, report finds  Anti-second home sentiment builds as building society stops lending  And finally...  New political party calls for rent controls and no “landlordism”  Hub Extra  We’ve got a cracking recommendation for you this week!  From Hollywood to Wales, purchasing a run-down football club in Wales might seem like a questionable business move.  Welcome to Wrexham follows the story of Ryan Reynolds and Rob McElhenney and their purchase of the third oldest professional football club in the world.  Let’s get social We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do.  Make sure you’ve liked and subscribed to our YouTube channel where we upload new content every week!   If that wasn’t enough, you can also join our friendly property community on the Property Hub forum.  And if you’d like to find out more information about Portfolio you can do that here. See omnystudio.com/listener for privacy information.

It’s Tuesday, so we’re back with more listener questions.  First up this week is Becky from Essex.  Becky’s about to complete on her first buy-to-let deal (three cheers for Becky!), but she’s already looking at her next deal...  She wants to buy the flat above hers, off-market, and she’s wondering how much discount she could get with a deal like this?   Becky’s also hoping Rob & Rob can shed some light on how off-market deals work, and how the process differs from a standard purchase.  Next up is a cracker of a question from Alex in Devon.  After using a cash loan from a friend, Alex purchased his first property a year ago and now he’s about to repay the friend after increasing the property's value and remortgaging.  His friend wants to extend this partnership and re-loan him the money. Alex wants to go ahead with the loan and split it into two £50k deposits, but he’s hit a roadblock.  His broker has advised that lenders aren’t likely to loan to him due to his friend wanting to have a second charge for security.  Is there a way they could restructure the loan to suit, or are they just asking the wrong questions and dealing with the wrong lenders?  Tune in to find out what the guys have got to say.  Do you have a buy-to-let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply).   Or if you prefer, click here to leave a recording via your computer instead.  The next question on Ask Rob & Rob could be yours.   Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So, get yourself over and introduce yourself.  And if you’d like to find out more information about Portfolio you can do that here. See omnystudio.com/listener for privacy information.

What’s going to happen with inflation and interest rates? With inflation and interest rates rising, every investor wants to know...  What’s going to happen next?  Are we going to see further increases or are we hurtling towards a recession? And whatever the answer - how will this affect house prices?  Rob & Rob have done a deep dive into the data, so you don’t have to and they’ll be answering all of those questions today on The Property Podcast.  In the news If you’re not fluent in Welsh but you’re hoping to buy in Wales, now might be the time to scrub up your knowledge, as it’s been revealed that landlords in Welsh-speaking communities may have to prove they speak the language.  This scheme is looking to restrict the number of second homes and free up affordable housing for locals.   If the scheme goes ahead sellers will also have to list their properties to locals for a set period of time before they can list their property to the wider market.  What are the chances of this passing, and what do The Robs think about it?  More from Rob & Rob Every month Rob & Rob host a free webinar that’s jampacked with knowledge that will help you become a better investor.  And if you’ve not joined one before, then tonight's your chance!  Join Rob & Rob as they reveal the state of the market right now, and what investors should be doing about it.  Hub Extra Last week we announced that Rob Dix is launching his very own newsletter and we’re excited to say that the first one will be landing in your inbox tomorrow!  If you’ve already signed up for a free hubber account – great, you don’t need to do anything else.  But if not, what are you waiting for? Not only will you get to receive the most valuable five-minute newsletter each week, but you’ll also gain access to the huge wealth of free resources on our website!  So, sign-up now – you won’t regret it!  Let’s get social  We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do.  Make sure you’ve liked and subscribed to our YouTube channel where we upload new content every week!   If that wasn’t enough, you can also join our friendly property community on the Property Hub forum.  And if you’d like to find out more information about Portfolio you can do that here. See omnystudio.com/listener for privacy information.