The Property Podcast

Rob & Rob have two fascinating questions to answer this week!  First up is Lukas, who’s asking a question right of the back of attending a webinar (a seriously dedicated listener!). Now the market is hot, Lukas has got an opportunity to pull cash out of his properties.   However, he refinanced a property in the past only to have it valued under what he paid for it. As Lukas thinks there will be a crash in the next 2-3 years he’s worried about prices dropping in a crash leaving him over leveraged.  Rob & Rob have some excellent advice for avoiding this trap – and also some cautionary words about a crash.  Next up is George from Bristol, who’s in the process of buying a home to live in. It’s in a village, which isn’t something we usually discuss on the podcast, but as it’s for George to live in rather than a rental. However, he’s discovered that there is planning permission for homes that will double the size of the village.   So now he wants to know, will this extra supply negatively affect house prices? Rob D has seen this explosive growth in houses happen before so he’s pretty sure he knows what is likely to happen next.  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.

Do you understand the financial landscape?  This has to be in our top 10 MUST listen podcast episodes - and it’s a big one.  With 50 years of financial history to run through Rob & Rob have got plenty to cover. They’ll start with the HUGE event in 1971 that completely transformed everything about the world of money, what has played out ever since and how it’s going to affect what’s to come.  Once you understand what’s going to come next, you’ll be well on your way to better position yourself to make smart investment decisions, so you definitely won't want to miss this.  In the news   With the government leaking stories that their next announcement was going to completely transform the market we were eagerly awaiting what they had to say.  And to be honest, we were sort of disappointed as their huge announcement was that they’re planning on extending the right to buy scheme to housing associations.  What do the guys have to say about this ‘transformational’ announcement?  Hub Extra  Of course, this week's Hub Extra has to be none other than Rob D’s new book, The Price of Money.  If you loved this episode, you really do need to get your hands on it as it will completely alter the way you view the financial world taking you deeper than a single podcast episode ever could.  There’s also some additional perks for anyone that purchases it in the first week (including a mini-podcast series, the chance to have lunch with Rob and a live Q&A session!).   Keen to add it to your must-read list? You can purchase it right here.  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 that means Rob & Rob are back answering your questions!  First up is Ash. She’s a huge fan of the podcast and especially looks forward to the Market Updates. So, it’s no surprise that she’s noticed the economic warnings that a recession is likely in the UK this year.   Indeed, just yesterday leading economist Dr Gerard Lyons told the BBC: “A recession is likely in the UK and, I think, a recession is likely across Western Europe.” Which is pretty direct, especially for an economist.  So, Ash wants to know, what will a recession mean for property prices? Is now a bad time to buy if there is going to be a downturn? A great question, and one Rob D is especially well placed to answer, having just finished a book on how money actually works.  Next up is Pete, who controversially doesn’t have a question, but instead has opted to issue a warning! We’ll let Pete off this rebellious change to our format because he has an important warning about new tax rules that will affect almost all landlords.  Even though it’s not strictly a question, Rob & Rob still have some helpful advice on how to prepare for the tax changes so that you’re not caught out.  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.

Inflation can change the entire way you invest  Inflation is the word on everyone's lips at the moment, but do you truly understand it?  It’s a complicated topic and with the rise in living costs it can be tempting to just try and block it out, but you’d be doing yourself a massive injustice.  When you truly understand inflation, you can use it to your advantage and have the opportunity to win big!  So, make sure you don’t miss out on this one!  In the news We couldn’t quite believe our eyes when we saw this headline...  When the words ‘landlords’ and ‘tax’ are in the same headline it’s almost never good news, but this one, whilst it’s just a rumour, sounds fairly positive.  We know we’re crossing our fingers as Property Investor Post have reported Landlords could receive tax breaks to sell up.  Is it too good to be true?   Hub Extra If you loved this episode, then you’re going to love this week's Hub Extra!  Rob & Rob revealed some pretty shocking numbers today, and we know you’ll be keen to see those numbers and graphs for yourself.  Thankfully, Rob D has broken everything down in just 12 minutes in our latest YouTube video.  But it doesn’t end there!   If you joined us last week, you’ll know Rob D’s new book will be landing next week! If you want to be the one of the first to get your hands on his latest book you can sign-up for notifications here.  We promise, it’ll be worth your while and if you purchase it in the first week, there's a few extra perks in store for you.  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.

Rob & Rob are back with some more listener questions!  Starting us off this week is Jack.  Jack and his partner have recently sold their first property and have moved back in with family whilst they search for their new home.  Of course, this means they’ve got a chunk of cash lying around at the minute and Jack is wondering what they should do with it.  As they’re hoping to purchase their first investment property soon should they dip into this cash and use it for a deposit to buy their investment property instead of a home for themselves?  Their residential home will be higher in value than any investment property they purchase, so with this in mind and the stamp duty implications do Rob & Rob think they should buy the investment property before their home?  Next up we’ve got another great question from Joe.  Joe’s a young landlord and currently has one property that he rents out as a holiday let.  He’s hoping to expand his portfolio, but before he does, he wants to make sure he’s prepared.   As his portfolio increases, he’d like to ensure he can keep it as professional as possible and easy to manage so he can crunch all the numbers, keeping a watchful eye on his finances.  He’s had a look on the market and has come across Lendlord. What he wants to know is, is there any magical software out there that Rob & Rob currently use and would recommend OR do they keep it classic with a good old trusty excel sheet?  Tune in and hear 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.

New book incoming!  Yes, you read that right! We are so excited to announce that Rob D is releasing a new book on June 16th!  But, if like us, you just can’t wait any longer, just sign-up here and we’ll send you a preview chapter to get your teeth stuck into.  Plus, we’ve got some special surprises lined up for everyone who purchases the book in its first week, so we’ll send you a reminder on the release day, so you don’t miss out!  It’s the June Market Update!  Rob & Rob are back with your monthly update and what a busy month it’s been!  There’s almost too much to talk about, but don’t worry we’ve selected the best and most important headlines of the month for this Property Podcast.  Macro Economy  How do I get the £400 energy grant and the £650 one-off payment?  House Prices  Michael Gove is right about one thing: building more homes won’t solve anything  Which housing markets are most exposed to the coming interest-rate storm?  Cost-of-living crisis to halt surge in house prices  Slowdown ahead for UK housing market  Record house prices see 4.3m homes pushed into a higher stamp duty bracket  Hometrack UK Cities House Price Index  Rents  Zoopla Rental Market Report  Government to deliver ‘new deal’ for renters  Sadiq Khan: I am calling on the prime minister to freeze London rents now  Mortgages  The Nottingham loosens BTL criteria  The Mortgage Works reduces limited company BTL rates  Other News  Will the Crossrail effect give a boost to house prices along the Elizabeth line?  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’ve got some cracking questions for you this week, so let’s dive straight in!  Kicking us off is Jessica!  Jess has been listening to the podcast for a while now, and she’s finally ready to purchase her first property.  She’s been looking around Liverpool for the past 18 months and has put in multiple offers, in various areas and price ranges but has found her offers consistently being rejected.  Even though her offers are always at asking price or above, she’s starting to wonder if being a single buyer is what’s setting her back?  So, she’s hoping Rob & Rob can give her some advice and help her get her foot on the ladder.  Next up, we’ve got a question from Ben in Birmingham.  Ben’s looking to purchase a property for £275,000 flip it and sell it for £385,000 leaving him with a healthy £30,000 in profit.   But he’s wondering if he can avoid the hefty capital gains tax on this.  He’s got a few different ideas in mind but he’s hoping Rob & Rob will be able to help him decide.  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.

Time waster to time saver Our phones could be our own worst enemy or our best friend, with almost everything available right at our fingertips it’s easy to waste hours upon hours just aimlessly scrolling through your phone.  With every app fighting for your attention, even once you’ve put your phone down those pesky notifications can rear their ugly head and ruin any sort of productivity.  But don’t worry, we’re not about to go all anti-mobile on you here, because with a few handy apps and tricks, you can easily turn that time waster into a time saver.  Today on The Property Podcast Rob & Rob are revealing the apps that have helped them reclaim some of the time back in their day, making them more efficient investors and better people in general.  In the news  Today’s headline definitely is one worth digging into as Letting Agent Today report the Tenancy lifecycle has been transformed by the pandemic.  The pandemic certainly impacted everyone in a multitude of ways, so it’s no wonder that it’s also changed the tenants think about moving.  What have the guys got to say about this?  Hub Extra  This week's Hub Extra might seem a bit of a given...  If you love hearing all the handy resources, tips and tricks we share weekly on the podcasts Hub Extra you’ll be happy to know there’s plenty more where that came from!  If you’re not already signed up to receive our weekly Hub Extra newsletter, you’re seriously missing out!  But don’t worry, there’s no time like the present, you can sign up for a free Hubber account right here and Hub Extra will land in your inbox every Friday!  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.

The guys are back with another round of listener questions!  And this week we’ve got a double whammy!  We usually answer one question per listener but when the questions are this good, we just can’t say no to answering both, so let’s dive right into Alexis’ questions.  Alexis and her husband live in Manchester, and they’ve been trying to purchase a property for the last year, but due to the booming market, they’ve not been able to secure a property yet.  They put their first offer down back in April and they’ve put multiple offers down since, but each time they keep getting outbid and the houses end up selling above market value.  What Alexis wants to know is how do they stop getting outbid? And is it even possible in a hot market or does she need to bite the bullet and buy any property she can get her hands on just so they can get into the market?  Her next question is all about tenants.   Alexis’ neighbour is also a landlord and unfortunately, her tenants haven’t been paying their rent. Alexis knows that you can get insurance to help protect you in these circumstances, but what happens if you have multiple properties in the same boat as this would hugely impact cashflow.  Alexis wants Rob & Rob’s advice on what to do if her tenants don’t pay their rent.  Tune in to find out what advice the guys have got for her.  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.

Your cheat sheet to property research   Due diligence can seem a little intimidating, especially if you’re doing it from your desktop. With so much to research where could you possibly start?  Thankfully research expert Mary Osmond is revealing the exact framework she uses to successfully research all her properties.  She’ll run you through every single step, so you can take what you’ve learned and apply it to your next deal.  With this cheat sheet, you’ll never choose the wrong location ever again.  In the news  This week’s news story may come as a surprise to you, especially in a booming market, but according to This is Money there’s been a surge in property down valuations all across the country.  As they’ve reported ‘The bank knocked £35,000 off the price we agreed: Mortgage lenders put the brakes on runaway house prices with a surge of down valuations’  But the shocking headlines don’t stop there, as one of the sub-headlines had us choking on our morning brew as This is Money reports ‘house price growth is slowing amid predictions prices will fall 3% next year’.  But what have the guys got to say about these gloomy predictions?  Hub Extra  If you’ve ever found yourself drowning in endless internet tabs (we’re looking at you Tracey), then this week's Hub Extra is for you.  Your desktop research game will be levelled up in no-time as you save precious time thanks to this handy browser – Sidekick.  Sidekick allows you to add all your favourite apps to a nifty little sidebar, and you can also group your tabs into different sessions, so you’ll never lose that perfect property on Rightmove again as you can pop it into a category for later.  Plus, it’s got a built-in ad-blocker, search history function and tab suspension!  Is there anything this browser can’t do?  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.