The Property Podcast

Ask Rob & Rob is back for the New Year and they’re kicking 2021 off with a bang! First up this week we’ve got Claudine. She’s previously bought two buy-to-let properties through Property Hub Invest, however her question today is in relation to her family home.  Her family is growing and she has a second baby on the way, so she’s looking to purchase a bigger family home.  They had agreed a price of £975,000, however a mortgage valuation came back at £835,000 which she thinks is a huge drop in price - she certainly wasn’t expecting it to be down-valued by so much.  Next up we’ve got Stan who’s got a question regarding Radon.  He’s just had a search back for a property he’s been looking at and it shows that they’re at an intermediate risk level for Radon.  Stan is planning on purchasing the property with cash and remortgaging further down the line. But he’s wondering if this Radon issue will affect him being able to remortgage?  Have Rob & Rob ever come across these issues before and can help Stan? 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.

Today we’re reflecting on 2020 Finally it’s the last day of what’s been an awful, yet interesting year, and Rob & Rob are finishing it off by reflecting on 2020.  It’s definitely been one of the hardest years to invest in property but that doesn’t mean it’s been completely impossible. There’ve been ups - and there has definitely been downs - but what can we take away from 2020?  Here’s what The Robs are reflecting on in today’s episode Property Hub  Rob & Robs personal investments The market and economy Covid-19 The Covid-19 response What we’ve learnt It’s important to try and find the positives where you can, and despite the year we’ve had, it can only get better from here.  Happy New Year everyone!    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.

The must listen to episodes of 2020 We’re doing something new this year, we’re bringing you the must listen to episodes of 2020.  This year has been a crucial one for learning to adapt and change. Sometimes life throws things at you that you didn’t expect - and this year has been a minefield!  We’ve put a lot of content out this year - we even brought you EXTRA episodes in the form of our Market Update episodes!  So we’ll forgive you if you haven’t listened to every episode throughout 2020 or if you’ve not felt in the right headspace to be thinking about investing in property.   But, we DO think you should give these episodes a listen in preparation for next year.  Here are the episodes you need TPP375: The property market is about to boom or bust - which will it be?  TPP378: Rob D just bought a property in the middle of a pandemic. What is it, and why now? TPP379: Inflation v Deflation - Part 1 TPP380: Inflation v Deflation - Part 2 TPP381: Serviced accommodation and COVID-19  TPP387: How to come out stronger  TPP393: Ray Dalio: Understanding economic cycles and predicting the future TPP398: Getting your property let during lockdown If you’re going to listen to (or recap) any podcast episodes from this year, make these eight a priority!     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.

2020 predictions reviewed It’s that time of the year again. Rob & Rob are back to revisit their 2020 property hotspot predictions. In past years The Robs have rarely been wrong with their predictions, but this hasn’t been a normal year.  At the beginning of 2020 they certainly didn’t predict that we’d encounter a worldwide pandemic!  So, has that had a huge impact on the predictions they made 12 months ago? You’re about to find out in today’s 2020 predictions reviewed episode.  Rob & Robs 2020 predictions Top 5 cities The UK as a whole London Base rate  Budget  Stockmarket  US Election - Trump in or out? Who’ll win the Premier League?  So, how did they do? It’s safe to say that The Robs didn’t lose their touch on choosing the top performing cities this year. So despite what might happen in the next 12 months, you can pretty much still put your bets on Rob & Robs predictions for where to invest.  For the UK as a whole, Rob D predicted a 1-3% increase in house prices and Rob B said 2-4% increase.  But would you have believed them if they’d have predicted property price growth of 6.5%, whilst tackling a global pandemic? Even The Robs couldn’t believe how wrong this one was! That’s just a little taste of what to expect on today’s podcast episode. To find out what else The Robs got right and wrong you’ll have to tune in.   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.

What are our top resources of 2020? That’s right, this week we’re rounding up our top resources of 2020. Throughout the year we share tonnes of resources at the end of every episode of The Property Podcast - as well as in our Hub Extra emails every Friday.  So we can understand that you’ll have probably forgotten about some of the top ones we’ve shared throughout the year.  But not to worry, Rob & Rob are going through their top choices today. They’ll be covering books, podcasts, apps, videos and a whole lot more. Books A Bit of a Stretch - Chris Atkins  What It Takes - Stephen Shwarzman  The Biggest Bluff - Maria Konnikova  How I Built This - Guy Raz  Storyworthy - Matthew Dicks  Podcasts Meditative Stories  My First Million  We Crashed  Modern Wisdom  The Cycling Podcast    TV/Youtube Succession - Amazon Prime Video The Last Dance - Netflix Messiah - Netflix The Cycling GK - YouTube Aquaholic -YouTube Mickey Views - YouTube Gothamchess - YouTube Ali Abdaal - YouTube Mike Winnet, Contrepenuer - YouTube Coffeezilla - YouTube Tech/Apps Insight Timer Anki Pzizz Wireless headphones Chess.com So, there you go. We hope you’ve found our top resources of 2020 useful or are about to implement some of these into your everyday life.    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 the last episode of Ask Rob & Rob for 2020! So it was only right that they got their old pal Nick on the show to ask the final question. Nick is wanting to know what Rob & Rob have got in store for everyone in 2021.  Of course The Robs were happy to oblige - not only because they want to remain on the nice list, but to hopefully get you prepared for the coming year. The big bombshell, there’s going to be a brand-new podcast coming in 2021, and it’s not about property! Now that we’ve grabbed your attention, tune into today’s episode to find out what else The Robs have got in the pipeline for you next year.   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.

Here’s what the December market update has in store for you We reckon everyone’s been waiting patiently for the December market update, thanks to that capital gains tax bombshell that was dropped a couple of weeks ago. But that’s not all The Robs are covering this week.  Here’s what to expect on this week’s property podcast episode Just to give you a little taste, here’s some of the things Rob & Rob are chatting about in the December market update: The top cities for capital growth Stamp duty  Capital gains tax Help-to-buy The latest Hometrack report ESW1 and unlimited liability The Hong Kong market  Plus, the guys will be taking a look at an insider’s opinion on what’s happening in the property market right now. There’s certainly plenty to get through this month. So make sure you’re prepared as we dive into the December market update.   Let’s get social (H3) 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.

We’ve got another two great property questions on Ask Rob & Rob this week. The first question this week is from Argent. Argent wants to know where property investors can make the biggest gains. He knows Rob & Rob tend to focus on capital growth, but he thinks it’s more the income that gives the biggest gain, as this is the cash that hits your bank account each month.  Listen as Rob D takes us on a mini history lesson while drawing on his own personal experience. Yes, you need to have a bit of faith for capital growth but today Rob explains why both are equally as important.  You can also deliberately tilt your portfolio in the favour of one or the other. How? Listen to find out.  The second question comes from Daniel. Daniel is a long-time Property Podcast listener and he’s looking to get his first property.  He’d been focusing on the ‘ideal yields’ of between 8-10% but when he’s running the numbers, he’s finding the best he can get is 6% or lower. He’s wondering if he bought at 6% whether it’d be a huge mistake.  Rob B takes the lead with this one (as Daniel specifically used Liverpool as an example). Listen as he talks Daniel through what to look for in his next deal and how it’d affect yields. He also explains how to focus on location and consider the pros and cons of desirable vs less desirable places.  The difference of an extra % or two on the yield could be minimal in the short-term but a winner in the long-term. 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.

Have you been investing during Covid? Well, if you haven’t been investing during Covid, these three property investors certainly have.  Trying to build a portfolio is hard enough, nevermind trying to do it in the middle of a worldwide pandemic.  Naturally, it’s brought challenges for everyone. But it’s how you work through those challenges that will set you apart from others who have been investing during Covid. If you’re at a bit of a sticking point and you’re not sure if investing during Covid is the right thing for you, then today’s episode should certainly help. Here’s what to expect on this week’s property podcast episode On today’s episode Rob & Rob are talking to three investors who have certainly come across challenges whilst investing during Covid. You may recognise these three investors as Iain, Sarah and Steve. A panel of investors that we’ve spoken to a number of times before.  We like to check in with Iain, Sarah and Steve every now and again to see how they’re getting on with their investment journeys.  So we thought now would be a better time than ever to see how they’re getting on with investing during Covid.   In the news In the news this week we have a positive news story, hooray!  Safety checks eased to help flat owners ‘in limbo’. A lot of investors have been having issues trying to sell or refinance their property due to needing an EWS1 form. This came into place after the Grenfell Tower disaster, and is designed to show that there are no safety issues with the building. The good news is that it came out recently that the form won’t be needed for properties that don’t have cladding – and although there’s still confusion in the industry about exactly when it’s needed, this latest announcement certainly seems like good news for a lot of property owners and investors.   Hub extra This week’s Hub Extra is a quote for you. It’s the perfect quote to sum up the qualities needed to be successful in this current climate. ‘Success is no accident. It is hard work, perseverance, learning, studying, sacrifice and most of all, love of what you are doing or learning to do’ - Pele. Which we think is pretty spot on for right now.   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 answering two questions that we’re pretty sure are on everyone’s minds right now.  First up this week we’ve got Joe.  Joe has bought his properties the opposite way round to most people. He bought a buy-to-let property first and is now onto purchasing his own residential property.  He thinks he’s got himself a good deal as it’s in need of some renovation, but he’s trying to weigh up his options because he’s considering relocating when the world returns back to some normality. He knows the obvious thing would be to sell the property, but he wants to know what other options would be open to him. Especially if the market falls and he ends up in negative equity on his property.  What should he do? Our second caller this week is Sassi.  Both Sassi and her partner are both working professionals in the construction sector. Before lockdown they’d agreed to purchase a property however they had issues with mortgages due to the condition of the house.  They managed to secure a mortgage product, but when it expired six months later due to the pandemic, the lenders revalued it and wouldn’t grant them a mortgage - they said the property would be better suited to a HMO.  As a result they’re now struggling to afford another property with the loan-to-value being so high compared to what it was at the beginning of the year.  So what Sassi wants to know is, will the stamp duty holiday restore the banks’ confidence enough to bring back higher loan-to-value mortgage products that first time buyers can benefit from? What do Rob & Rob think? Will higher loan-to-value mortgage products make a comeback, or are they now a thing of the past? 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.