The Property Podcast

Rob Bence and Rob Dix from The Property Hub
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Mar 12, 2020 • 26min

TPP365: Don't Get Emotional Over Property

It’s another week of The Property Podcast, and this week Rob & Rob are giving us the practical tips you need to become a better property investor. Have you been emotional during property investing?  We’d place a bet on most of you feeling at least a little glimmer of emotion. It’s all absolutely normal - that’s what happens when you come across potential risks.  Luckily, The Robs have the tips and tricks to help you with this in today’s podcast episode. Property investing isn’t always a glamorous ride. It can come with some poor decisions, risks and a lot of emotions! But Rob & Rob are here to manage your expectations and tell you some of the common risks that can rear their head throughout the property purchasing process.   Which stages can have risks?  Buying your property  Setting up your property  Owning  Selling your property  These are the main stages where risks can be driven by your emotions. By listening to this episode, you’ve got the perfect opportunity to find out where you can have a chat with yourself before sparking an emotional disaster!  Tune in to find out how you can prevent your emotions getting the best of you now!    We have a great news story to top this fantastic episode off…and of course it involves one of Rob's favorite places! In the news this week a huge new £2 billion project is underway in Liverpool called The Knowledge Quarter which will create a new district. But the impact it will have on the city will be amazing. This project has everyone behind it… including us.  Another project is finally on the way in Liverpool too.. Liverpool waters, a multi-million pound scheme which will transform Liverpool’s waterfront. This is nothing but good news for the city and will be great for the future.    And in other good news… Property Hub Live is now SOLD OUT! If you still hope to come, there’s a waiting list you can pop your name on, just in case any tickets become available… Don’t worry if you can’t attend, we’re planning another one for later in the year!    This week’s Hub Extra is a book recommended by Rob B. The boy, the mole, the fox and the horse by Charlie Mackesy. A beautiful book aimed at children, but it could benefit anyone and everyone. This week’s Hub Extra fits in well with the podcast as it's about life lessons and emotions, an unusual recommendation from Rob & Rob, but they were so touched by it that it had to be shared.  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.
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Mar 10, 2020 • 6min

ASK226: Can I switch my residential mortgage to interest-only? PLUS: Can I extend this tenancy myself?

It’s another week which means it’s another episode of Ask Rob & Rob, and we’ve got two fantastic questions... First up we’ve got Adam. He’s been saving up so he can start investing in buy-to-let properties in the north. Currently, Adam owns a property in London which he has a repayment mortgage on. He has 45% equity in his property but he doesn't want to put any more down as he wants to achieve something with a good return and growth.  He’s been looking at Manchester and Liverpool as potential options, however, he would like to purchase his next property in his personal name.  So, Adam wants to know if there's any products available to have an interest only mortgage on his personal property, and if so, do we think this would be the right and best approach for Adam.  Listen to find out.  Next we have Mark who owns a property in Birmingham. There’s a fixed term tenancy contract in place and the first year is ending in June. The tenant has expressed interest in extending the contract for one year.  Mark isn’t particularly happy with the agent that handles the contracts and Mark would like to handle them himself going forward.  So, he wants to know how he should handle this contractually and also in terms of the deposit scheme which was also handled by the agent? Is this something Mark can go forward with?  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.
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Mar 5, 2020 • 25min

TPP364: 7 years of the property podcast

We’re back again for another episode of The Property Podcast, but this week isn’t just any old episode...it’s our 7th birthday. The Robs are back and sharing their passion. And to celebrate the podcast’s birthday, they’re bringing a very special episode that shares what has changed in the property market over the last 7 years.  Did you know Rob & Rob first started The Property Podcast back in 2013? A while ago right!  Every Thursday, property investors have listened to our podcast and followed our journey to become inspired and move forward with their own journeys. In today's podcast you’re guaranteed to walk away with more knowledge that you can apply to your property investment activities from this day forward.  There’s so much to cover, especially when the property market is constantly changing, but what's happened to the interest rates and property prices over the last 7 years? What has happened to the property market since the podcast started? Well, you’ll have to tune in to find out… You MUST listen to our birthday episode.. .   Not only is it our birthday, we have a great news story to top it off.  Interestingly enough, today's news story reads “One of the UKs top property podcasts to go live”. Property Investor Today has reported our event which takes place in London on the 30th April (don’t worry anyone, Manchester will be later in the year). An incredible day will be taking place filled with a packed day of property education, the biggest Hubber Meetup ever and then The Property Podcast goes live! Do you want to come to Property Hub Live? There may be tickets left, head to the events page and find out! You don’t want to miss this epic day.    This week’s Hub Extra is a book recommended by both Robs. A bitcoin billionaire, a fascinating story with incredible characters. This book talks about the Winklevoss twins and everything they have done through bitcoin. A really amazing, entertaining read. We encourage you to read it!  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.
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Mar 3, 2020 • 9min

ASK225: Have Rob & Rob Sold Out?

This week on Ask Rob & Rob, we’ve got all the answers to questions you may have about Property Hub Live! So, have you been wondering what Property Hub Live will involve? Have Rob & Rob sold out?  The Robs have brought their passion project to life. They wanted a celebration of all things property, with 400 hubbers all in the same space, a fun-packed day with quality speakers.  Rob & Rob are going deep this week. They want to address exactly why they’re doing it and explain exactly what you can expect. As you can probably tell…. they’re very excited.  And we’ll let you in on another little nugget of information… if the event is well received, there just might another one in Manchester later in the year Tune in to find out everything you need to know about Property Hub Live. And, if after all that you think you’d like to attend, there’s still time to grab your ticket, here. 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.
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Feb 27, 2020 • 31min

TPP363: Rob & Rob fix the property market (updated)

We’re back again for another episode of The Property Podcast and this week it’s an ambitious one as Rob & Rob try and fix the property market.  Today’s chat started with a very interesting article that appeared in the January issue of The Economist. It takes a global perspective of the property market and formed the basis for today’s property podcast.  The Robs have delved into the good old supply and demand debate while also talking about the inequality between generations, the balance of home ownership vs renting and how different countries handle issues around housing.  Ultimately, is our planning system broken?  There’s so much to cover. And we don’t just mean for the UK property market, we’re talking globally!  It’s no shock to hear that the property market needs fixing, but what do we think the answer is? Well, you’ll have to tune in to find that out.    The Robs have said for a while now that optimism has been increasing in-line with the 18-year property cycle and have very conveniently uncovered a news story to back this up!  There’s been a 17% increase in new buyer enquiries for land which shows that developers are keen on building again. And because a development can take a few years to build, this is a strong indication that we’re on track for a healthy few years.  There's also another news story with data from an online evaluation service highlighting that the number of potential vendors requesting evaluations from estate agents more than doubled from December to January. It was expected to be up anyway because December is always a quiet month and January is always the time people want to make a change, but doubling in numbers is a significant increase.  The signs are there. Estate agents and developers seem to be more positive. But does that mean it's boom time now?  In short….no. But it’s the first sign of positivity for the next part of the property cycle.   This week’s Hub Extra is a great podcast to help you unwind. It’s called A Meditative Story. This is a great one that will allow you to switch off after a busy day. It’s a new kind of listening experience with mindfulness prompts. Rob found it gave him a clearer and settled mind after listening. We highly recommend this podcast just as that little something to give you a more mindfulness practice whenever you need it.   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.
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Feb 25, 2020 • 8min

ASK224: Have I spotted a link between prices and yields? PLUS: What does the new housing minister mean for investors?

This week on Ask Rob & Rob, we’ve got two cracking questions. First up we have Ariel who reckons she might have found a link between prices and yields. She has three properties and is looking at investing in her fourth. She’s been buying properties at the rate of one a year for the last few years and is now looking to get a high rental yield in return.  Ariel bought her properties for around £80,000 and has been getting £500 per calendar month in rent through single lets. This year she’s decided to diversify and spend double the money, £160,000 in an attempt to get about £1,000 in rent but has found it surprisingly difficult.  So, do we think the more you spend the harder it is to get the high rental yields? The second question comes from Alex who wants to know how a new housing minister will affect property investors. Will anything change? Will those changes be positive or negative for investors? 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.
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Feb 20, 2020 • 24min

TPP362: What would this property expert do if they started again?

A couple of weeks ago Rob B was joined on The Property Podcast by property investment legend, Mark Morris. If you haven’t listened to it yet, then go and give that a listen before this episode. The response from his last appearance was incredible, with dozens of you saying how inspiring you found it and how it was giving you the motivation you needed to work towards your goals.  Well, this week he’s back!  But this time Rob B is picking his brains over what Mark would do if he were to start all over again from the beginning. Would he do anything differently? What strategy would he choose in today’s market? Tune in to find out. And what’s the one piece of advice that Mark would give new investors?  Goal setting.  We kid you not, Mark is on the same page as Rob & Rob when it comes to how important goal setting is. He’s a fan of having both long-term and short-term goals.  What other bits of knowledge would Mark give? Because after all, hindsight is a wonderful thing.  Well, you’ll have to tune in to find that out.   And in the news this week we had a bit of a shock as a staggering 500,000 rental homes are lost to Airbnb and others. However we weren’t in shock when we discovered that the news story that went along with that headline wasn’t all that true.  The article says that they might be lost from the long-term lettings market to the short-term lets. It’s based around a survey that ARLA did where they surveyed their members to find out how many of them would consider switching to short-term lets to avoid some of the regulations that have recently come in. And the results showed that only 1 in 10 landlords would consider switching to shorter term lets than the typical long-term. So once again, the media is trying to scaremonger us.    This week’s Hub Extra is a simple quote that fits perfectly with today’s episode and what Mark has talked about. It’s a quote from C.S. Lewis: ‘Experience: that most brutal of teachers. But you learn, my God do you learn.’  And we really hope that you’ve learnt a lot more invaluable knowledge from today’s episode and continue to do so. You can guarantee that in your property journey you’re going to make mistakes, but it’s important that you learn from them to really make a difference.    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.
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Feb 18, 2020 • 7min

ASK223: Should I turn my flat into a holiday let? PLUS: Will this area benefit from the ripple effect?

This week on Ask Rob & Rob, the guys are answering two great questions on holiday lets and if one certain area could be an up and coming hotspot, following on from the ripple effect. First up is Claire from Nottingham. She is in the process of moving into a house and has taken 75% equity from her 2-bedroom flat to make the move.  She’s now wondering if she should keep her flat as a standard buy-to-let property or if she should turn it into a holiday let and list it on the likes of Airbnb.  Her apartment is located just 10 minutes from Nottingham city centre and she’s tried Airbnb in the past which worked out well for her. So, providing she has regular bookings, she’s wondering if she’d be better off tax wise, to have the property as a holiday let as opposed to a buy-to-let?  So, will Claire be better off going down the holiday let route?  The second question comes in from Graham in Leicester. He’s been an avid podcast listener for a while and has now got three properties in his portfolio.  Graham now has a question on the ripple effect that Rob & Rob discuss quite frequently. He’s heard people talk about the ripple effect of Sheffield and Doncaster, but he wants to know if Rotherham will benefit from Sheffield’s ripple effect?  Will Rob & Rob give Rotherham the green light? 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.
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Feb 13, 2020 • 24min

TPP361: How To Invest Over The Next 7 Years

Wouldn’t it be great to know what the future holds? Today’s episode of The Property Podcast is a very ambitious one. But we’re tackling it head on! 2020 is still fresh and new, but today Rob & Rob give the insights we need to make sure we have a successful 7 years ahead of us.  A few weeks ago, The Robs talked about how to make the most of the next decade. And this week, they’re squishing the decade and bringing that timeframe forward.  So what can you expect to learn from this podcast episode? Here’s just a few sneak peeks: What are you doing now to position yourself for the future? Where are we in the 18-year property cycle?  Why is 7 years really important?  Also, not to spoil you! But The Robs believe we’re entering a new phase of the 18-year cycle… so listen to find out what actions you need to take NOW! Also in today’s episode, find out what's caught our attention in the news this week?  The HS2 project seems to be getting the green light! Expensive, yes! But we can all agree the impact that it’ll have will be incredible. It’ll certainly impact the major cities immensely and improve connectivity throughout the country. We know it’s a case of love it or hate it, but it looks like it’s going ahead nevertheless.  Speaking of trains… Liverpool is finally getting a £500m investment for the railway services which is massively needed. But guess what? The trains will allow 50% more passengers. This is certainly an investment that will make a big difference to the city!    And in this week’s Hub Extra, we have a podcast recommendation from Tim Ferris. Pre warning, it’s a 2-hour long podcast, but we promise it’s worth it! Tim Ferris has done an interview with Sam Zell, who’s a billionaire. Notably he created one of the biggest real estate investment trusts in the world. We love this podcast because he has so much perspective and he wants to share his knowledge.   It’s just a little podcast (besides this one) that we think could benefit investors! Not only do we just hear about Sam’s successes, he dives into talks of the future of markets and the role of interest rates, because they barely get talked about. This is a must listen to!   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.
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Feb 11, 2020 • 7min

ASK222: How long should I fix for? PLUS: Is "no money down" the way to go?

Rob & Rob are back once again for another epic episode of Ask Rob & Rob. This week they’re trying to help two callers with mortgage advice and are giving their thoughts on wherever they think no money down deals are a good idea. Our first caller this week is Adamish and his question is on to buy-to-let mortgages.  He’s spoken to a mortgage advisor and they’ve advised him to refinance his current property on a fixed five year buy-to-let mortgage as the checks are a little more relaxed.  So essentially he’s wanting to know what Rob & Rob would do if they were in his shoes as a first time investor.  Does the current property market have any effect on how long he should get a fixed buy-to-let mortgage for? Or should he even be going for a fixed buy-to-let mortgage?  The second question this week is from Ashley who’s calling from Wales and he’s been drawn in by the idea of no money down deals. Uh oh!  Ashley has done two previous flips so now has a bit of equity behind him. He’s looking at turning his strategy to vanilla buy-to-let properties but he’s wondering how to go about it.  Should he straight away set up a Limited Company and keep buying a single buy-to-let each year over the next 10 years and build his portfolio up that way? Or should he hold onto his money and explore the world of no money down deals?  We’ve heard The Robs views on this in the past, but what advice would they give?  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.

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