The Property Podcast

In this episode we're looking at something pretty different for us - how to exit property! A lot of our listeners are at the start of their property journey but it's easy to not consider how you will wrap up your portfolio when that time comes around. If you're considering this, then here are some of your options... Never Let Go First up is Rob B's current plan - never exit.  If you have no mortgages, can just hold forever for income then pass them on.If you do have mortgages, you can get mortgages until much later in life than people think. Or if the properties are in a company, as long as there’s another director they can keep the mortgages going.Advantage: Keeps the income stream going and gives you something to pass onDisadvantage: Maybe you don’t want to be worrying about interest rates if you have mortgages, or don’t want the hassle of holding property at all Sell some You could instead sell enough properties to pay off the mortgage balances on the rest, then revert to the first option of holding on. If you’ve had a long period of growth you might only need to sell one property to pay off everything else.Advantage: You’re debt-free and keep an incomeDisadvantage: CGT Sell the lot  Liquidate everything and use the proceeds to invest in other asset classesAdvantage: You get more diversification - can take the money and allocate it across a global portfolio. No hassle from property.Disadvantage: CGT, nothing to pass on. A mix of the above Sell one to pay down debts on the rest, sell a couple more to give you a lump of income to diversify across other asset classes, keep the rest for income with low mortgages. You might even want to buy different types of property at this point, e.g. if you’ve been focusing on capital growth but now what matters most is a strong income. Could you be a refurb case study in The Property Hub Magazine? If you've got a refurb story then we want to know. It's easy to let us know you're interested in the possibility of being featured in the magazine, just send us an email to hello@thepropertyhub.net and Vicky will get back to you. Barclays unveils 10-year fix buy-to-let mortgage at 2.99% This is a heck of a rate if you do want that security. It wont be for everyone, but it will definitely be of interest to some. A note of caution though: There are some hefty penalties if you think you may want to move away from that mortgage or sell before the end of that term. Check out more on this here.  Resource of the week This week's resource of the week will allow you to speed up, slow down, advance and rewind any HTML5 video with quick shortcuts. Download this Chrome extension here. If you enjoyed The Property Podcast, please leave a review on iTunes Reviews are really important in helping other people to find the show, so by way of thanks we read out every single review we receive on air. If you’d like to hear your name on the show, leave us a review on iTunes here. Not sure how to leave a review? This video shows you how to review and subscribe on iTunes.See omnystudio.com/listener for privacy information.

It's time for another couple of questions in this week's edition of 'Ask Rob & Rob'. This week's questions come from Craig & Joe who... ...ask Rob & Rob... two questions about stamp duty. The Robs give their take on these topics. What do you think? Head over to the forum to discuss. ASK YOUR OWN QUESTION TO ROB & ROB! Don't be shy! All you need to do is leave a message with your name and whatever's on your mind. Just pick up the phone and call 013 808 00035 (normal UK call rates apply). Or if you prefer, click here to leave a recording via your computer instead. NEED MORE ANSWERS? The Property Hub Summit is the place to get all your questions personally answered by Rob & Rob, and build a network of other smart, motivated investors. Over the course of a full day at a swanky hotel we'll help you set your goals, form a plan to get you there, overcome your obstacles, and give you the support system you need to make sure nothing gets in your way. Just don't hang around - there are only four Summits each year, and just 16 places available at each! Interested? Click here to find out more.See omnystudio.com/listener for privacy information.

In this episode we're going to speak to our very own Rob D in the capacity of 'guest expert'  and we're going to look in depth at bridging finance... Rob D has been focusing a lot of his investment around bridging loans rather than purchases recently, and he tells us why this has worked for him. He even started his own bridging finance company LendSwift to formalise his involvement in this sector.  In this episode Rob & Rob explain the basics of how bridging works, when it is a good idea, and when it's to be avoided. The Robs also discuss when you can use bridging to buy properties that you can't ordinarily raise a mortgage for, and crucially give you their golden rules of bridging. Go to lendswift.co.uk/borrow to check out the calculators to see how much you can borrow and what it would cost. Don’t use us without shopping around, but use the tool to increase your knowledge. Yellow Lettings are looking for a London Rep We're responding to the demand to expand Yellow in to the London area and we're looking for an amazing candidate to join us, working 25 hours a week as a rep dealing with our landlords and their tenants on a regular basis. Does this sound just what you're looking for? You can find all the details right here. It's Meetup night tonight! Have you got your free ticket for your local Meetup? Rob D will be in Stratford (East London) and Rob B will be in Richmond, so if you're heading to either of these locations be sure to say hi. The north/south house price divide to narrow We promise not to keep making a habit of saying 'we told you so' but the final figures are in for 2016 and Manchester grew by almost 9% last year, with London coming in at 7.3% growth. You can read all about it here.  Resource of the week This week's resource is courtesy of Rob B and it's a book - Zero to One. A fascinating read from one of the Paypal founders, billionaire Peter Thiel. We're social, come and join us. We're making big efforts to become more social this year, and we'd love you to join in the fun. Follow us on Facebook Check us out on Instagram Join the conversation Have you used or considered using Bridging Finance? Discuss your experiences over on the forum. If you enjoyed The Property Podcast, please leave a review on iTunes Reviews are really important in helping other people to find the show, so by way of thanks we read out every single review we receive on air. If you’d like to hear your name on the show, leave us a review on iTunes here. Not sure how to leave a review? This video shows you how to review and subscribe on iTunes.See omnystudio.com/listener for privacy information.

It's time for another couple of questions in this week's edition of 'Ask Rob & Rob'. This week's questions come from Ryan & Danny who... ...ask Rob & Rob... How best to deal with mortgage valuers? ...Should I buy on the Crossrail route? The Robs give their take on these topics. What do you think? Head over to the forum to discuss. ASK YOUR OWN QUESTION TO ROB & ROB! Don't be shy! All you need to do is leave a message with your name and whatever's on your mind. Just pick up the phone and call 013 808 00035 (normal UK call rates apply). Or if you prefer, click here to leave a recording via your computer instead. NEED MORE ANSWERS? The Property Hub Summit is the place to get all your questions personally answered by Rob & Rob, and build a network of other smart, motivated investors. Over the course of a full day at a swanky hotel we'll help you set your goals, form a plan to get you there, overcome your obstacles, and give you the support system you need to make sure nothing gets in your way. Just don't hang around - there are only four Summits each year, and just 16 places available at each! Interested? Click here to find out more.See omnystudio.com/listener for privacy information.

In this week's episode we're going to look at how to invest in 2017, which is a great follow up to last week's 'where to invest in 2017' podcast. Rob B the radio star & a news of a new RMP office We're also bowing down to a new radio star in our midst - Rob B has been appearing on local radio in Liverpool. He's also been 'up north' looking in and around Warrington for the second RMP office - exciting stuff! Rob D - getting things done Rob D has had a great week too though and has been making some serious headway into writing his new book which is going to be all about lettings and management. A HUGE thank you to everyone who took up the challenge and sent over their tips, the book will be all the stronger for your input! The Property Hub Magazine - landing now There's a cat on the front cover, what's not to like? Subscribers will be receiving their copies very soon, and we can promise you it's a great one. The Property Hub Meetups - next week It's nearly time for The Meetups again and Rob B will be heading to join Roxane and the Richmond Hubbers, while Rob D will be in Stratford, East London. Find your nearest Meetup here and head along. What's on the agenda for 2017? Negative Media The media just love a good dose of doom and gloom, particularly if it is property investment based. It hasn’t happened yet, but we are giving you some advanced notice. It will happen this year and if you’re not careful could suck you in. When the media gets negative we get excited, this is when the best opportunities arise.  Tax Changes We have covered this in some depth in the following episodes - http://thepropertyhub.net/tpp165-tenants-and-taxes/ http://www.propertygeek.net/budget-2015-mortgage-interest-relief-changes-explained/ thepropertyhub.net/Budget2015 thepropertyhub.net/Budget2015part2 http://thepropertyhub.net/should-you-use-a-limited-company-to-invest-in-property/ The upshot is bad news for landlords who have been in the game for a long time, not so bad for new investors because they can plan. Lettings Fee Ban The government has just confirmed consultation will begin in a few months time, with the outcome to be announced later this year. You might not notice changes immediately after implementation, but we expect see a trend of letting agents increasing their fees to landlords. PRA - Prudential Regulation Authority Sounds complex, but basically all this is means is mortgage companies increasing their stress test levels. Will impact investors in the southeast, investors in the north won't notice the changes. Article 50 Uncertainty and fear are most likely to be on the menu (again). This will spook some amateur investors, but actually the effect of brexit hard or soft will be felt years down the line. What should you do and how should you prosper? Avoid London Remember your goal, don’t get lost in the noise Ignore the media and most of your friends Take advantage of any uncertainty Get your tax affairs in order Get practising your smug face for a few years time Resource of the week Photo Splash  is this weeks ROTW and is a great fun free app which is perfect for creating some fun images. We're social - We're making big efforts to become more social this year, and we'd love you to join in the fun. Follow us on Facebook Check us out on Instagram Join the conversation What does 2017 hold for you and how are you planning for the year? Head to the forum to discuss all the topics discussed in today's episode. If you enjoyed The Property Podcast, please leave a review on iTunes Reviews are really important in helping other people to find the show, so by way of thanks we read out every single review we receive on air. If you’d like to hear your name on the show, leave us a review on iTunes here. Not sure how to leave a review? This video shows you how to review and subscribe on iTunes.See omnystudio.com/listener for privacy information.

It's time for another couple of questions in this week's edition of 'Ask Rob & Rob'. This week Tom & Tony ...ask Rob & Rob... How do you accurately calculate your return on investment? ...and Can I turn my flat into serviced accommodation? The Robs give their take on these topics. What do you think? Head over to the forum to discuss. ASK YOUR OWN QUESTION TO ROB & ROB! Don't be shy! All you need to do is leave a message with your name and whatever's on your mind. Just pick up the phone and call 013 808 00035 (normal UK call rates apply). Or if you prefer, click here to leave a recording via your computer instead. NEED MORE ANSWERS? The Property Hub Summit is the place to get all your questions personally answered by Rob & Rob, and build a network of other smart, motivated investors. Over the course of a full day at a swanky hotel we'll help you set your goals, form a plan to get you there, overcome your obstacles, and give you the support system you need to make sure nothing gets in your way. Just don't hang around - there are only four Summits each year, and just 16 places available at each! Interested? Click here to find out more.See omnystudio.com/listener for privacy information.

It's the 201st episode of The Property Podcast and this week we're focussing on where to invest in the UK this year. Some of them you may be expecting from us, but there's a couple of wildcards thrown in for good measure. Listen to find out more. Property Geek A quick plug for Rod D's Property Geek Podcast - the latest episode talks about new mortgage rules which haven’t had much coverage elsewhere. Take a listen to get up to date.  Rents are hitting an 'affordability ceiling' Rob D chose this news story because it proved him right (again). The idea is that rents are getting so high in some areas that if they go up any further, tenants wont afford them, which will only produce more void periods in the end. Rents can't just rise forever as salaries are not rising at the same rate. This is obviously more of an issue in places such as London where tenants are reportedly paying up to 75% of their disposable income on rent. Check out the article here.  Resource of the week Tinder for business (apparently). Shapr.co will give you the ability to swipe left or right and make interesting business contacts. Check it out.  Join the conversation What do you think to our predictions? Do you want to make any of your own? Head to the forum to have your say. If you enjoyed The Property Podcast, please leave a review on iTunes Reviews are really important in helping other people to find the show, so by way of thanks we read out every single review we receive on air. If you’d like to hear your name on the show, leave us a review on iTunes here. Not sure how to leave a review? This video shows you how to review and subscribe on iTunes.See omnystudio.com/listener for privacy information.

It's time for another couple of questions in this week's edition of 'Ask Rob & Rob'. This week Tom & Reece ...Ask Rob & Rob – What's the minimum acceptable lease length? ...and are guaranteed yields too good to be true? The Robs give their take on these topics. What do you think? Head over to the forum to discuss. ASK YOUR OWN QUESTION TO ROB & ROB! Don't be shy! All you need to do is leave a message with your name and whatever's on your mind. Just pick up the phone and call 013 808 00035 (normal UK call rates apply). Or if you prefer, click here to leave a recording via your computer instead.   NEED MORE ANSWERS? The Property Hub Summit is the place to get all your questions personally answered by Rob & Rob, and build a network of other smart, motivated investors. Over the course of a full day at a swanky hotel we'll help you set your goals, form a plan to get you there, overcome your obstacles, and give you the support system you need to make sure nothing gets in your way. Just don't hang around - there are only four Summits each year, and just 16 places available at each! Interested? Click here to find out more.See omnystudio.com/listener for privacy information.

It's a milestone episode as we reach our 200th edition of The Property Podcast!  We've included our blast from the past intro style from the very first episode (sorry for those of you that can't stand this one!) We would have put some more clips in from episode one, but we were cringing too much to listen to it all!  Topic of the week 200 episodes wow! Many of you have been kind enough to let us know how much the podcast has helped you over the last 200 episodes, but you’re not the only one’s to benefit we’ve learnt loads too! Lessons You learn from teaching Property investors are normal people - Yes mainstream media it’s true Most people are willing to help, look at the TPH. So don’t pay for expensive courses Givers get Accountability is everything - look at the record of our individual podcasts! Start before you feel ready. You’ll always be embarrassed by your earliest work If you’re enthusiastic about something, do it even if you don’t know where it’s going to lead Personal Highlights/Favourite Episodes Episode 52 Noah Kagan  Episode 69 The 18 Year Property Cycle  Episode 163 Live from the Property Investor Show  Episode 24 Inflation  New garden towns and villages to provide 200,000 homes to ease housing shortage You can read the story on this one right here, but will this really ease the housing shortage? We're sceptical of this one.  Want more Rob D in your life? Due to popular demand Rob D is bringing you more Property Geek. Get over there and subscribe to hear him talk in-depth to some industry experts.  Resource of the week We've got Bjorn (again) to thank for this week's Resource of the Week: Thetopinbox.com Schedule emails to be sent later. Set reminders in your inbox. Track opens. Followup with email sequences. What's not to love, right? Take a look here.See omnystudio.com/listener for privacy information.

It's time for another couple of questions in this week's edition of 'Ask Rob & Rob'. This week John from Manchester... ...Asks Rob & Rob – Should I buy a property with tenants?  ...and another listener asks about how to get creditworthy for investments.  The Robs give their take on these topics. What do you think? Head over to the forum to discuss. ASK YOUR OWN QUESTION TO ROB & ROB! Don't be shy! All you need to do is leave a message with your name and whatever's on your mind. Just pick up the phone and call 013 808 00035 (normal UK call rates apply). Or if you prefer, click here to leave a recording via your computer instead.   NEED MORE ANSWERS? The Property Hub Summit is the place to get all your questions personally answered by Rob & Rob, and build a network of other smart, motivated investors. Over the course of a full day at a swanky hotel we'll help you set your goals, form a plan to get you there, overcome your obstacles, and give you the support system you need to make sure nothing gets in your way. Just don't hang around - there are only four Summits each year, and just 16 places available at each! Interested? Click here to find out more.See omnystudio.com/listener for privacy information.