The Property Podcast

What makes the best property investors? Lisa Orme is back to join The Robs on The Property Podcast.   Not only is she sharing the traits of successful property investors, she’s also sharing the strategies that she highly rates, and the ones that are overrated.  Lisa has had plenty of hands-on experience dealing with some of the best, and worst, property investors and has narrowed down the traits that make a good one.  It’s another jam-packed episode with plenty more takeaways so make sure you’ve got that notepad and pen at the ready again.    In the news  The property boom – it's gone from radio silence to widespread chit chat!   This week’s news story comes from the BBC news website and the headline reads, ‘house prices rise at fastest pace in 17 years’.   Nationwide reported house price growth of 13.4% in the year to June, making new average house prices £245,432 compared to £216,403 in June 2020.  So, whilst the end of the stamp duty holiday hasn’t appeared to slow things down, we don’t think this pace is likely to continue.    Hub Extra  This week’s Hub Extra is another podcast recommendation for you.   If you’ve enjoyed the last two episodes of The Property Podcast with Lisa, then you’ll be pleased to know that she has her very own podcast called ‘Mortgage Momma’.  So, if you’re looking for further mortgage help and advice, make sure you go give it a listen.    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.See omnystudio.com/listener for privacy information.

Rob & Rob are back again this week and are discussing one of their favourite topics, the 18-year property cycle.  And the person asking the 18-year property cycle question is Ali from London.   At the beginning of June, Ali saw an article on This is Money where he believed the creator of the 18-year property cycle was implying that the market couldn’t continue with this boom phase and that it would be likely that next year there would be a market crash.   Normally Ali would ignore these rumour-type headlines but given that it was the creator of the 18-year property cycle making these claims, he wanted to get The Robs’ thoughts on it.  Our second question comes from Mike.   He wants to know, if he were to purchase a buy-to-let property and didn’t do anything with it, didn’t refurb it or add any value to it, how long would he have to wait before being able to pull his money back out?   He knows that it’s a case of just letting the cycle do its thing and hoping for capital growth to have an effect, but he’d like to know roughly how long he’d be waiting for.  Tune in to find out what they 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. See omnystudio.com/listener for privacy information.

How should you be acting in the current boom market? In today’s episode Rob & Rob are joined by a fellow property expert. Not only is she an investor herself but has decades of experience as a mortgage broker.   Her name is Lisa Orme.  And in today’s episode she’s going to guide you through how you should be acting right now (while we’re in this boom period) when it comes to mortgages. If you follow her advice, we reckon you’ll do pretty well.  There’s loads to take from this episode so make sure you’re sat down with a paper and pen ready to take notes.  Plus, just because there’s so much to get through, Lisa will be joining The Robs again next week for even more mortgage talks.    Hub Extra  This week’s Hub Extra comes from our podcast producer, Dan.  After chatting to The Robs about how he wanted to read a book on his Kindle but couldn’t pluck up the courage as it was so big, he decided to downloaded the audio version to listen to at the same time as reading it, which he found really effective.   This led Rob B to stumbling across something from Amazon as he’s been looking for ways to help dyslexic children get interested in reading and absorbing information in different ways.  Amazon have built technology called Immersion Reading. It’s not just for dyslexic people, it can be for anyone like Dan who finds reading along with an audio book more effective for them. Give it a whirl.     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.See omnystudio.com/listener for privacy information.

It’s Tuesday and that means one thing... The Robs are back to answer your property questions.  Kicking us off this week is Tom.  Tom has two HMO student lets in Cornwall that he invested in personally. They both earn around £1,800pcm.   He bought the properties five and 10 years ago and while capital appreciation has been pretty decent, he’s never released any equity from them.  He’s saved around £80,000 and is looking to invest in another student HMO in the same location, but this time using a limited company, rather than in his personal name.   Tom can get a 4-5 bed property for around £280,000 and his rental income would be around £2,000pcm, with mortgage costs of around £600 per month.  He likes the hands-on side to his strategy and wants to keep at it but he’s wanting to know if it’s a risky option, tying up all his money in one location when properties further north are more affordable.   Our next caller this week is Rachel.  Rachel is looking to invest in South Manchester, around the Wythenshawe area, which is close to the hospital and airport, in an ex-council property and use the serviced accommodation strategy.  She’s wanting to know if The Robs think this is a good idea and if they’d recommend investing in an ex-council property.  Tune in to find out what they 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.See omnystudio.com/listener for privacy information.

It’s the July Market Update On this month’s market update The Robs will be covering the market boom as well as revealing great news for landlords with leaseholds! They’re also sharing a news story that’ll have a massive impact on your wealth.  There’s plenty to cover this week – inflation, arrears, evictions, leasehold and licensing. You name it, we’ve got it covered!  Here’s all the links you need for your extra reading.  Big picture:  House asking prices hit record levels across Great Britain  Biggest sales pipeline in a decade & buyers undeterred by stamp duty holiday ending  Stamp duty frenzy shows first sign of slowing - Rightmove  Runaway house prices: the ‘winners and losers’ from the pandemic  Inflation:  UK housing market is on fire, warns Bank of England chief economist  Inflation is coming, says the Bank of England – but don’t expect us to react  Arrears & Evictions:  Breaking: Wales extends period during which landlords must give six months’ notice to evict  Scots eviction extension battle looms as landlords and agents call out plans  Leasehold:  Leasehold campaigners welcome new changes  Licensing:  Airbnb calls for national short-lets landlord register  New licensing scheme will be FREE for landlords    Hub Extra  This week’s Hub Extra is another podcast recommended by Rob D.  It’s called ‘Exit Scam’.  If you’ve been around for long enough, you may remember last year we mentioned a podcast called ‘The Missing Crypto Queen’ on BBC Sounds.   Well, this podcast is very similar in terms of its theme. It’s about someone who set up a Crypto exchange who died under mysterious circumstances and may have faked his own death.  It’s certainly a gripping one to get stuck into.    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.See omnystudio.com/listener for privacy information.

Rob & Rob are back with two more property questions this week.  First up is Mo.   He’s a junior doctor who’s recently graduated from Nottingham University and is looking to get on the property ladder.  Mo wants to buy his own residential property but is struggling with finding the right one.   Naturally he doesn’t want to overpay and wants to try and bag himself a deal, but he keeps getting gazumped every time he finds a possible contender.   Other buyers are either viewing and putting an offer in on the same day a property comes onto the market or are just willing to overpay.  Is this something Mo is just going to have to accept or is there something he can do?  Our second caller this week is Steven.  He’s been listening to the podcast for a while and knows The Robs have said how much they love Liverpool and Manchester.   But what about Preston?   Steven has been doing some research into the location and thinks that it could be a good contender but is keen to find out what Rob & Rob think of it.  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.See omnystudio.com/listener for privacy information.

Is the property market about to crash? When the market starts to get heated, people get excited. There are those who take action and make money, but others get really nervous.    What happens when we reach the top of the market? Is it a good time to buy?  In this episode Rob & Rob are going to cover just that! And they’re sharing some interesting examples of what the numbers look like when you invest at the top of the market.  So, is it wise to invest at the peak?  Tune in to find out.    In the news  This week’s news story is from The Guardian and the headline reads ‘HSBC offers sub-1% mortgage as interest rate war intensifies’.  So, if you’ve got a 40% deposit, are a residential buyer and got a good credit history and you want a two-year fixed with HSBC, then you’re in luck because you can now get a mortgage for under 1%.  The last time they offered a rate this low was five years ago, and HSBC aren’t the only ones. It seems a number of lenders are battling it out for the lowest interest rates.  So, it’s certainly the time to be re-mortgaging or moving house right now.    Hub Extra  This week’s Hub Extra comes from Rob D and whilst it won’t help you decide when to buy your next property, it is a great piece of entertainment.   It’s a TV show called ‘Ted Lasso’ on Apple TV and it’s a comedy about an American football coach who gets hired to manage a British premier league team even though he has no experience what-so-ever.   It’s quite a daft programme, but Rob D thinks it’s really funny and worth the watch if you need an unwind over the weekend.     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. See omnystudio.com/listener for privacy information.

This week on Ask Rob & Rob, the guys are settling a debate between a husband and wife on the best property strategy and help another caller with a mortgage conundrum.   Our first caller is Colin.  Colin and his wife have managed to save £50k but both have different views on how they’d invest it. They also need to move into a new home themselves over the next two years.  Colin wants to use the funds to invest in a flip property and then split the profit in half to invest into more properties and into their own residential home.   However, Colin’s wife would like to use the £50k to buy a bigger, more expensive family home and then further down the line re-mortgage and release equity for Colin to then invest in property how he’d like.  Can Rob & Rob make this husband and wife see eye-to-eye?  The second caller this week is Toby who’s 26 and a first-time buyer.   He was wanting to invest in a buy-to-let property before purchasing his own residential property but has reached a stumbling block after speaking to mortgage brokers.   They’ve told Toby that because he has no mortgage history, the interest rates available are very poor as the banks don’t want to lend to him.  So naturally, Toby wants to know if Rob & Rob have ever heard of this situation before where you can’t get a mortgage offer due to having no mortgage history.   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.See omnystudio.com/listener for privacy information.

This week Bitcoin and property are going head-to-head Following on from last week’s episode, Rob & Rob are back to talk more about property vs Bitcoin, and where Bitcoin could potentially form part of your investment portfolio. Like any investment option there are pros and cons to everything. For example, Bitcoin and gold are defences against inflation whereas property is an attacker. So, is property still the safest investment or is it under threat to Bitcoin? Tune in to find out.   In the news This week’s news story comes from the Evening Standard and the headline reads, ‘UK’s ‘eye-popping’ pace of recovery stokes staff shortages and inflation fears’. This is from a survey that’s showing the strongest growth in business activity for 24 years! So basically, now that some lockdown restrictions have been lifted, more people have been going out spending. And, with the increase in demand but a shortage of staff, the hospitality industry fears a rise in inflation with talks of an £8 pint (at least in London) could be on its way.   Hub Extra For this week’s Hub Extra, our resource for you this week is simply YouTube to carry on your Bitcoin learning. It’s a great place to learn more about the topics we’ve touched on over the past couple of episodes so if you simply search for ‘getting started with Bitcoin’ that’s a good place to start. However, if you’re wanting something a little more advanced, take a look at BitBoy Crypto, CoinsKid or Altcoin Daily.   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.See omnystudio.com/listener for privacy information.

On this week’s episode of Ask Rob & Rob the guys are trying to look into the future to answer this week’s two questions.  First up we’ve got Sarah.  Sarah and her family live abroad but have one rental property here in the UK.  She needs to re-mortgage the property at the end of this year and has been given the option of a 5-year fixed mortgage. Sarah wants to also release some equity from the property to take the LTV up to 75%.  However, she’s trying to run some numbers to see if it will be beneficial. She’s going off the basis of a 5% growth on property prices each year and then a 25% drop when the market crashes.  If Sarah goes ff these numbers, in five years when the fixed rate ends the house won't be a profitable and she may be unable to re-mortgage, due to being an expat.   So, are these the right figures that Sarah should be working off?  Our second question is from Michael.  He’s wanting to know if it’s likely that the government will introduce a rental cap now that there’s a ban on section 21 eviction notices.  He’s already seen it come into play in Ireland where you can only increase your rents by 2% per year, unless you can prove you’ve done substantial work to the property to justify a significant increase.  There’s plenty to get through today so tune in to find out what they 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. See omnystudio.com/listener for privacy information.