The Property Podcast

The Property Podcast

By Rob Bence and Rob Dix from The Property Hub

The Property Podcast from Property Hub (propertyhub.net) is the podcast for all property investors – new or experienced. Rob Bence and Rob Dix discuss a different property topic and property news item each week, passing on their knowledge and experience to the listeners. They both invest in UK Property so they practise what they preach. No hard sell, no bull just straight talking property investment advice!

Episodes

TPP449: What are property funds and should you invest in them?

Should you invest in property funds?  Property funds are the ultimate hands-off strategy, but what are they and should you invest in them?  This week on The Property Podcast, Rob & Rob will be sharing everything you need to know to decide if property funds are the right investment option for you.  They’ll run you through exactly what they are, the pros, cons and who they might be right for.  If you’ve ever considered property funds before but you weren’t quite sure, then you won’t want to miss this.   In the news  In the latest Market Update we had a lot to cover on the rental market, covering big cities like Leeds and Manchester, and now we’re bringing you an update on London.  The Financial Times are reporting that the London market is bouncing back with the Return of the renters: price hikes, bidding wars and bribe.  It seems like Rob & Rob were right with the prediction that city centres are not dead yet.  Hub Extra Intrigued by property funds and want to solidify what you’ve learnt so far?  This week's Hub Extra is our brand-new YouTube video Why would you invest in a property fund?   This short and snappy video is the perfect recap.  And if you’re looking for the episode about our new app Portfolio, you can find that here and sign up for the waitlist 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.  See omnystudio.com/listener for privacy information.
21/10/2128m 0s

ASK307: Has an off-plan delay worked in my favour? PLUS: How do I work out which mortgage deal is cheapest?

It’s Tuesday and Rob & Rob are back for another round of listener questions!  Our first question is from John in Chorley.  John bought an off-plan property, and the completion is a couple of years behind due to some delays.  What John wants to know is if the property has gone up in value since he purchased, could he use the equity and complete without putting any money in?  Next up we’ve got a question about mortgages from Sammy.  Sammy wants to know if it’s better to have a higher product fee and a lower interest rate or the other way around.  Tune in to find out 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.  See omnystudio.com/listener for privacy information.
19/10/217m 4s

TPP448: October Market Update

It’s the October Market Update   It’s that time again, it’s the October Market Update!  And what a busy month it’s been, Rob & Rob have got plenty to cover and we’ve got a shedload of news stories for you to sink your teeth into.  We’ll be covering everything from eviction notices, mortgages, tax and party conference headlines.  So, settle in as The Robs to talk you through this month’s latest headlines.  Here’s all the links you need:  Market:  UK House Price Index – August 2021  Michael Gove set to pause contentious planning shake-up  Labour to give first-time buyers exclusive access to new properties  Rents:  Rental void times lowest for six years: Arla Propertymark  Surging rents in Manchester  Rental demand set to stay high as first time buyer age rises  New generation rent: Why baby boomers are selling up and choosing a more flexible lifestyle  Holiday Lets:  Holiday Lets may be the next Buy To Let, says Moneyfacts  Devon confirms 70% drop in PRS as ‘terrifying’ Airbnb trend bites  Mortgages:  Buy-to-let bonanza: Landlords can now bag a sub-1% mortgage rate as TWO lenders launch super-low interest deals - but beware the fees  Tax:  HMRC gives landlords more time to comply with new ‘making tax digital’ rules  Evictions:  Landlords hit back as Welsh Government extends notice periods again  Licensing:  UK’s most expensive ever HMO licensing scheme to launch in London  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.
14/10/2119m 43s

ASK306: Are big companies going to push us out? PLUS: Can I get a mortgage on a concrete-constructed flat?

The guys are back with two more listener questions!  First up is Matt from Devon.  Matt has built himself an investment portfolio that’s continuing to grow but wants to know whether big businesses are bad news for landlords like him?  With the increasing trend of big businesses such as Lloyds Bank and John Lewis moving into the residential property market, are private landlords going to be pushed out?  Rob & Rob share their thoughts and advice.  Our second question is from Ben.  Using a mortgage, Ben bought an ex-council property back in 2005 and when he tried to remortgage in 2011 he was advised that the property is no longer mortgageable as it was constructed with concrete.  Ben has since tried to fix this problem but is still struggling to find a lender for the property and he wants to know if Rob & Rob have any advice on the matter.  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.
12/10/2110m 28s

What an incredible response!

Wow!   Rob & Rob announced Portfolio to you just a mere 24 hours ago and the response we’ve received has been incredible!  Property Hub wouldn’t be where it is today without you, so Rob & Rob wanted to get their microphones out to share a special message with you.  And if you haven’t watched the big reveal video yet, you can do that 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.  See omnystudio.com/listener for privacy information.
08/10/215m 3s

TPP447: The BIG reveal: Introducing Portfolio

Introducing Portfolio  The wait is finally over.   We know, we’ve been teasing this for a while now, and we’ve made some pretty big claims, but we’re ready to reveal it all!  In today’s episode, we’re introducing Portfolio.  That’s right – we're disrupting the market completely with our new app.   Portfolio allows investors to become a part-owner of a portfolio of rental homes. You can earn rental profits, just as you would if you bought property yourself. And, if the property goes up in value, so does the value of your shares – similar to the capital growth you’d benefit from if you owned properties directly.  So, hit play and to find out more ... you’ve waited long enough!  And if hearing about it just wasn’t enough, you can watch our big reveal video here.  Then go join the waitlist 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.  See omnystudio.com/listener for privacy information.
07/10/2113m 9s

ASK305: Is now the time to buy a flat? PLUS: Is now the time to buy at all?

Rob & Rob are back for another round of listener questions!  Our first listener is a first-time investor, and the current market has got them considering flats.  With a surplus of flats on the market, is this the time to bag a deal in the South East?  Next up we’ve got a question from Oliver in North Wales.  The guys recently discussed what you can expect from the upcoming property boom on The Property Podcast, which has left Oliver questioning whether he should buy now or hold off?  Tune in to find out what Rob & Rob have got to say.  And if you want to hear the episode that got Oliver wondering about buying in the boom, you can find that 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.
05/10/216m 18s

TPP446: The one trait that’ll stop you achieving your goals

Don’t sweat the small stuff   Things will always go wrong in life, but that doesn’t mean you should spend your time and energy complaining.  When you focus on the things that go wrong, all the goodness in life and a whole load of opportunities are passing you by.  So, in this episode, Rob & Rob are looking at the most common complaints in property and breaking them down to exactly what they are – minor inconveniences that aren’t worth your time.  If you’re ready to break the cycle of complaining, give this episode a listen as the guys will be giving you all the tips you need to live a happier life.  Hub Extra  If you’re interested in learning more about stoicism, then make sure you give The Daily Stoic a read.   Ryan Holiday’s book is a page-a-day guide to living a good life, offering inspirational daily doses of wisdom, gratitude and stoicism.  And here’s one from the marketing team, if you’re ready to start practising gratitude, make this musical spoken poem the first thing you listen to in the morning.  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.
30/09/2115m 28s

ASK304: Is now the time to buy in London? PLUS: What do brokers do that you can't do yourself?

It’s that time of the week where Rob & Rob answer more listener questions!  First up is Jamie.  Jamie currently owns two buy-to-let properties in the midlands, and has £125,000 to invest in his next property.   He originally planned to invest in the North West, but what he wants to know is with the London market stagnating is this the time to be buying in the capital?  Our next question is all about mortgage brokers.  Tom is currently hunting for a broker and he wants to know what information they have access to that the general public doesn’t.  He also wants some advice from Rob & Rob, as there are so many brokers out there, he wants to learn how he can land himself a decent one.  Tune in to find out 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.  See omnystudio.com/listener for privacy information.
28/09/216m 46s

TPP445: How to pick the right place to invest (a step-by-step guide)

How do you pick the right investment location?  This week on The Property Podcast we’re taking it back to basics.  Whether you’re purchasing your first property or your tenth, choosing the right place to invest can feel like an overwhelming task.  And as one of our most frequently asked questions, we thought we’d break it down and give you a step-by-step process to follow.  So whether you’re completely new to investing or you’re an experienced investor in need of a little refresher... this is the episode for you.  In the news  This week we’ve got two news stories on our favourite topics!  First up, is the biggest news of the year and it’s straight from Property Hub!  Next week, we will FINALLY be spilling the beans on what we’ve been working on all this time.  So make sure you tune in for that very special episode.  Next up The Business Desk are suggesting it could be the end of the line for HS2’s multibillion-pound Eastern leg.  It’s worth noting that this hasn’t been confirmed, but it’s rumoured that the eastern leg of HS2 which is meant to be linking Birmingham with Nottingham, Sheffield and Leeds is going to be scraped in a bid to save £40bn.  Hub Extra  This week we’ve got an app for you!   If you find yourself spending more and more time on Zoom calls, then this may be the app for you.  Unfortunately, webcam quality just isn’t the best and this nifty little app lets you use your phone as a webcam.  So if you fancy increasing the quality of your next video call, you can download Camo here.  And if you're looking for the YouTube videos mentioned you can find them below: 5 Underrated Areas To Invest In Top buy-to-let property hotspots in the UK (2021) 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.
23/09/2124m 49s

ASK303: I've inherited a house! What do I do with it? PLUS: How should I use the time while waiting for completion?

It’s Tuesday, and that means Rob & Rob are back with two more listener questions.  And this week, we’ve got a couple of tough ones.  First up is Paul from London.  Paul has recently inherited a three-bedroom property in Hull and is wondering what he should do with it.   It’s the only property he owns, and he wants to know whether he should sell it as it is or renovate it first.  The second question is from Julian.  Julian is planning on releasing some equity from his first property and is planning how he can best use his time.  With the conveyancing process being six weeks long on average, he wants to make sure he’s being productive and maximising his preparation.  Tune in to find out what Rob & Rob think.  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.
21/09/217m 42s

TPP444: Things to expect in the upcoming boom

What can you expect to happen in a property boom?  If you’ve been paying attention, you’ll know that we’re at the beginning of a property boom.   Which is great for investors as properties go up in value, but what else can you expect to happen?  The 18-year property cycle means there’s things that you can almost definitely expect to see happening as the boom develops.   But what are they?  In this episode, Rob & Rob are revealing the tell-tale signs that we’re in a property boom.  In the news  We’ve got two news stories this week, and they’re both good for investors but in different ways.  First up, Landlord Zone reveal the ’never seen before’ student stampede to secure accommodation.   It’s no surprise that students have been a bit cautious this year, in fear that covid could ruin another year of university experience.   But this means that, as things seem like they’re going to be relatively normal, there’s been a sudden rush in the search to secure somewhere to live, which is great news for anyone with properties in student cities.  And finally, the news all landlords have been waiting for – eviction notices returning to pre-covid rules.   From October 1st landlords can give their tenants two months' notice rather than the four months that it is currently.  Hub Extra  It’s been a while since Rob & Rob shared a quote, so they’re hitting us with a double whammy.  The boom stage of the 18-year property cycle is going to require some serious focus, so grab your notebook and pen, and jot these down to help you kept sight of your goals.  “The successful warrior is the average man, with laser-like focus.” — Bruce Lee   “Always remember, your focus determines your reality.” — George Lucas  Podcast Episodes   TPP260: What property courses should you do (and avoid)?  TPP270: The 18 Year Property Cycle – Year by Year: Part 1  TPP271: The 18 Year Property Cycle – Year by Year: Part 2  TPP342: The contrepreneur formula exposed: An interview with Mike Winnet  TPP343: What happens after spending thousands of pounds in a property course  TPP376: Has Coronavirus broken the property cycle?  TPP415: Where are we in the 18 Year Property Cycle?  Rob & Rob mention episode 476 - this is in fact episode 376, and you can find that 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.  See omnystudio.com/listener for privacy information.
16/09/2119m 45s

ASK302: Can I remortgage after buying with cash? PLUS: Why would I use leverage in my situation?

Rob & Rob are back to answer some more listener questions!  Our first question is from Paul and it’s a great one.  Paul is looking to buy a property with a tenant in-situ, but one of the terms is that it’s a ‘cash only’ purchase.   What Paul wants to know is whether this would affect his ability to remortgage as he was hoping to draw back the cash to reinvest elsewhere.  The next question is about leverage.   Our listener is going to be retiring early soon and is wondering what do to with the cash he gets. He’s planning on buying one or two houses and living off the income.  However, as an avid listener he knows Rob & Rob frequently talk about the power of leverage, but he wants to know why you would bother with a mortgage if you can buy property outright with cash.  Tune in to find out what Rob & Rob 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.  See omnystudio.com/listener for privacy information.
14/09/218m 10s

TPP443: Houses vs flats

Houses or flats – which make the better investment?  Anyone who invests property generally has an opinion on the houses vs flats debate. It’s an age-old dispute that often divides investors, with some saying they would only invest in one or the other.  Whilst both camps have pretty solid arguments, what IS the answer? Which is the champion of investments?  That’s exactly what Rob & Rob are helping you decide in this episode. They’ll run you through the pros and the cons of both, and reveal what point of view could be costing you big time £££.  In the news   HMO’s have the potential to generate higher returns, but with a greater workload and risk, there’s still plenty that can go wrong. So, as always, it’s important that you nail the fundamentals and location.  This is Money has revealed a list of the ‘Ten best locations to invest in student housing’ with small towns taking the top of the list. With big claims that cities like Swansea offering a yield 9.56%  What do Rob & Rob think about this?  Hub Extra   If you’re an avid reader you’ve almost definitely used or at least heard of Audible.  Now, you may think we’re a bit late to the party with this suggestion but bear with us as it’s actually got some new features.  Firstly, if you’ve found yourself here listening to The Property Podcast, you’ll probably be interested to know that they’ve now added podcasts to Audible.  Not only will all your listening needs now in one place, but Audible has also introduced Audible Plus. The Plus membership gains you unlimited access to a huge catalogue of over 68,000 hours of content and 11,000+ titles!  So, save those tokens and get listening.  And here are the links you need for the extra resources Rob & Rob mentioned: their Turn £100,000 into £1 million YouTube video and the How to HMO podcast episode.  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.
09/09/2122m 15s

ASK301: Should I remortgage my portfolio to pay off my own home? PLUS: How can I find out about ground rent?

Get ready for some more listener questions!  Rob & Rob are back, and this week they’ve got some pretty interesting ones.  Our first question is from Steven.  Steven has a portfolio of six properties, and his residential mortgage is due for renewal next year.  What Steven would like to know is whether he should remortgage his portfolio to pay off his residential home or should he use the rental income he generates instead?  Next up is Becky from Stockport.  Becky has been viewing some leasehold properties and she would love to know if there’s anywhere online where you can download copies of leasehold agreements, as she quite often struggles getting information about ground rent from her letting agents.  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.
07/09/216m 43s

TPP442: September Market Update

It’s the September Market Update   In this month's market update, The Robs are giving you the inside scoop on the rental market, mortgages and of course, house prices.  They’ll be revealing where in the UK rental demand is booming and what government agency is predicting a market crash - yes, you read that right, a CRASH of 14%!  Things tend to be a little quieter this time of year as everyone jets off on holiday but seeing as that’s not an option for many of us this year, it’s no wonder Rob & Rob have got so much to cover.  Here are all the links you need for your extra reading this month:  House Prices:  UK house prices in June rose at fastest rate since 2004  House prices: Demand changes, not tax waiver, pushed prices up  Rental market pointer? Regional cities set to see biggest growth  Five charts that predict the next house price crash  UK house sales plunge in July after stamp duty holiday ends  And if you want to take a look at CEBR’s previous prediction of a 13.8% fall this year you can find that here.   Rents:   Here They Come: Rent controls to be introduced in part of the UK  Possession claims double as evictions ban ends but are way off ‘normal’  Mortgages:  Five-year mortgage rates drop below 1% – is now the time to fix for longer?  Bigger Picture:  UK loses 83% of department stores since BHS collapsed  Hub Extra   If you’ve been listening for a while now, you may remember a book we’ve mentioned before: Bad Blood: Secrets and Lies in a Silicon Valley Startup by John Carreyrou.  The book gives us the full inside story of the rise and fall of Theranos and its CEO and founder Elizabeth Holmes.   Well, John’s back with the final chapter as he catches us up on what’s happened since the story broke and takes us on the journey of the trial, which is set to begin later this month, in his new podcast Bad Blood: The Final Chapter.  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.
02/09/2121m 48s

ASK300: Is it silly to get a buy-to-let while still living with my parents? PLUS: Should I invest in property or a private pension?

It’s time for another round of listener questions for Rob & Rob, and this week they’re answering some commonly asked ones.  First up is Reese from Plymouth.   Reese is currently living at home with her parents, but she’s ready to make her first buy-to-let investment.  She wants to know whether it’s sensible for her to invest while living at home, or if she should wait until she’s in a house of her own before getting started with investing.  Next, The Robs hear from Bailey in London.  Bailey’s finally in a position where he’s ready to purchase his first buy-to-let property, but he’s getting conflicting opinions from his parents.  They feel strongly that he should be putting his money into a pension instead of property... Bailey wants to know whether Rob & Rob think one strategy is smarter than the other.  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.
31/08/215m 51s

TPP441: Dave Ramsey is WRONG

This week on The Property Podcast we’re battling with Dave Ramsey on mortgages  If you’ve not heard of Dave Ramsey before he’s a huge financial personality across the pond, and he believes that you should NEVER use a mortgage.  And if you’ve been listening to The Property Podcast for a while now, you’ll know that Rob & Rob probably have a fair few things to say about this.  So, in this episode The Robs explain why Dave Ramsey is completely wrong and how leverage is an investor’s super weapon.  In the news  This week’s news article is an interesting one as it claims that the stamp duty holiday had no effect on the current market frenzy.  Think-tank has suggested that the stamp duty holiday impact has been overstated, but what do Rob & Rob think?  Hub Extra   We’re back with another triple whammy of resources for you to soak up this week.   The first one is The Meaningful Money podcast which covers all aspects of money and personal finance. It’s definitely worth a listen as Pete Matthew breaks down everything you need to know in everyday language.  We’ve mentioned this one before, but only because we swear by it and that’s the Rich Dad Poor Dad book. Robert Kiyosaki talks all things good debt vs. bad debt, so don’t just take our word for it and give this one a read.  If one book isn’t enough, then make sure you give The Millionaire Fastlane a read. It’s a cheesy title, and a bit of a cheesy book but it’s essential if you want to understand the concept of building your wealth and creating more money for yourself.  And if you’re looking for the Turn £100,000 into £1 million YouTube video Rob & Rob mentioned, you can find it 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.  See omnystudio.com/listener for privacy information.
26/08/2131m 38s

ASK 299: What's the deal with a "buyer's premium"? PLUS: Why do some people advise to buy without using mortgages?

It’s that time of the week where Rob & Rob answer more listener questions, and this week we’ve got two cracking ones!  Our first question is from Jeff in London.  He’s looking to buy his first property in Hoggeston with a friend, but the company who’ve listed it are looking to charge a buyer's premium.  Jeff was pretty surprised by this fairly large additional charge and wants to know Rob & Robs thoughts on whether this is something to be cautious of and if the buyer's interests are considered in this process?   Our next question comes from Katie across the pond in the states.  Katie would love to hear Rob & Rob’s opinion on the renowned American personal financial figure Dave Ramsey.  Ramsey’s approach on investing in property is you should always buy in cash, but what do Rob & Rob think about this and is there ever a time where buying in cash only is the better option?  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.
24/08/217m 0s

TPP440: Real-life Monopoly: The lessons investors can learn

Real-life Monopoly – The important property lessons you can learn  Besides revealing which family members are sore losers and causing fights, Monopoly has some seriously important lessons about personal finance and investing.  But can these be applied to real life?  In this episode of The Property Podcast, Rob & Rob share the important lessons you can apply to your property investments.  For further learning on buy-to-let mortgages check out this video.  In the news  We’ve got two news stories for you this week.  The first one shares research from Halifax that shows that the average home in the UK now costs 8.1 times the average earnings, suggesting that property affordability has hit a 10-year low.  But are houses actually less affordable?  Which? has revealed this five-year mortgage with rates that have dropped below 1%. So, once you’ve overcome the hurdle of saving up your deposit, property can still be pretty affordable.  Hub Extra  We’re spoiling you this week as we’ve got three Hub Extra recommendations heading your way.  The first one is of course, Monopoly the game. If you’ve not played it before, it’s about time you get your hands on a set and give it a go.  But if like most people, you’ve played Monopoly more times than you can count and you’re up for a challenge Robert Kiyosaki’s version – Cash Flow may be the game for you.  If you’d rather avoid the family fallout, then make sure you give this podcast episode by Business Wars a listen.  Business Wars covers all the key battles in business, sharing the stories behind the companies that have shaped what we buy and how we live. Give Monopoly: Winner Takes All a listen to hear the story behind the family classic that was created over 100 years ago.  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.
19/08/2117m 55s

ASK298: I'm struggling to save up for my second property - any tips? PLUS: How do I find private finance?

Rob & Rob are back once again to answer two more listener questions.  Our first question this week is from Alex from Reading.   He’s recently bought his first buy-to-let property and has naturally spent all his money.   So now he’s in the process of saving for another deposit.   But what Alex wants to know is if The Robs have any tips on how he can speed up the savings process so he can purchase properties two and three quicker and start building his portfolio.   Next up we’ve got Sam from Bedford.   Sam has been listening to the podcast for a while and now she’s ready to take the plunge.   She’s really keen to get into the property investment world and she’s wondering if joint ventures are a good way to get started?  Would Rob & Rob recommend joint ventures?   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.
17/08/217m 53s

TPP439: Is BMV dead?

Is BMV dead or is there still a way you can do a deal? In the property world we love bagging ourselves a deal. But right now, the property market is incredibly hot.   So, does that mean doing a deal or better yet a BMV (below market value) deal is almost impossible?  That’s what we’re going to explore in today’s episode so make sure you tune in.   If you want to learn more, check out our free course on how to get a deal.    In the news  If you listened to last week’s episode, you’ll remember that we were stunned by some data from the US property market.   It was the fact that the US property market is up 23% year on year which is crazy! We promised to investigate more into this and we’re keeping our promise.   That figure was based on existing inventory, not new build homes. So, the growth was actually 15.8% which still makes our own boom look like nothing.   This data was taken from a Forbes article where it looks at America’s states.   Another news story we spotted this week was ‘owners of low-rise flats freed from wall safety certificate need’. In a nutshell, anyone who owns a property in a building smaller than 18 metres no longer need an EWS1 certificate.     Hub Extra  This week’s Hub Extra recommendation is a book from Rob B. It’s a combination between sport and business so if you have an interest in either, you’ll enjoy this book.  It’s called ‘Relentless: 12 Rounds to Success’ by Eddie Hearn.  This isn’t a rags-to-riches story because Eddie Hearn came from a wealthy family (which he acknowledges in the book), but is covers the struggles he had to overcome to be his own successful person and step out of his father’s shadow.     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.
12/08/2131m 24s

ASK297: Is this property too cheap? PLUS: Does inflation mean mortgage rates will go up?

It’s Tuesday which means Rob & Rob are back to answer two more listener questions.  The first question this week comes from Rachel.   Rachel and her brother currently own a buy-to-let property in the South East and they’re now looking to buy their second property in the north of England for cash.   They’ve found a property in Kirkdale, Liverpool for £65,000 which could give them an annual yield of 8.31%.   Naturally that type of yield would be attractive to anyone, but after seeing one of Property Hub’s Instagram stories advising to buy a property that’s worth at least £100,000, Rachel is now wondering if this property is too cheap?  Our second caller is Kenneth.  He’s listened to our episode on quantitative easing about three times because it’s just so significant.   Kenneth wants to know if we’re heading into a period of inflation in the future. As governments often control inflation by rising interest rates, does this mean that we’re going to see mortgage rates go up in the next few years?  What are The Robs guesses and predictions for mortgages in the next few years?  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.
10/08/2110m 15s

TPP438: August Market Update

It’s the August Market Update  The property market is incredibly hot right now. In the UK it’s crazy, but on this month’s market update, The Robs are revealing some numbers from the US that will blow your mind!  This time of year is usually a quieter one, but that certainly doesn’t seem to be the case in 2021.   Here are all the links you need to get stuck into today’s episode.  Prices:  UK House Price Index – June 2021  Super-rich buyers coming back to prime – Savills   US cannot afford housing market ‘boom and bust’, warns Fed official   Pandemic fuels broadest global house price boom in two decades  Mortgages:  TMW returns to 80% LTV but only on energy efficient homes  Thousands of landlords released from ‘cladding hell’ after EWS1 forms scrapped  The minimum energy performance of buildings bill  Other:  Government reveals where all the landlords live in the UK  The pandemic property boom is pricing locals out of the British countryside  And finally:  House prices set to continue rising as supply shrinks    Hub Extra  This week’s Hub Extra resource is a tool called Propcast which refers to itself as a house selling weather forecast.   It gives you a weather map of the UK showing you which areas are the hottest, meaning it should be quicker and easier to sell your home.   Right now, it seems that everywhere in the UK might require your factor 50 sun cream.    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.
05/08/2123m 39s

ASK296: Should I buy another BTL or a bigger home? PLUS: Will my next mortgage be a problem?

The guys are back for another fantastic episode of Ask Rob & Rob.  First up this week we’ve got Lil who’s looking for an answer to a common question we get asked.   Lil currently has a residential property in London that she lives in, and a buy-to-let property in Liverpool.   She’s going to be moving cities soon and needs a property with more space, so she’ll be switching her residential property into a buy-to-let property.  In the short-term, Lil plans to rent herself until she finds the right property, but she can’t seem to figure out which scenario is best.   Should she use the money she has to purchase a bigger property that’ll serve her needs, or should she put it into another buy-to-let property and continue to rent herself?  Our next question comes from Bern who has a question about mortgages.  Currently Bern has two buy-to-let properties, one in his personal name and another in a limited company.   Bern is planning to purchase another buy-to-let property through his limited company, and then look to purchase a residential property for himself.  He’s wanting to know if when it comes to purchasing the residential property if he’ll have any issues getting a mortgage if he already has three other properties?  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.
03/08/218m 18s

TPP437: The wealth secret: Long-term inflation

The Robs are back with their second episode on inflation This might just be the most important podcast episode Rob & Rob have done yet.   If you understand this episode, then you’ll understand the secret to being wealthy.  Last week we talked about inflation in the short-term, so this week we’re looking at long-term inflation. The dynamic that produces inflation for the long-term is completely different to the short-term.   The Robs are going to be looking at what causes long-term inflation, the effects for property investors and what the coming years might look like.   So, if you’re wanting to prepare for a strong future, then make sure you listen to today’s episode.     In the news  This week’s news story comes from the Financial Times and the headline reads, ‘Bank of England urged to spell out plans to curb inflation’.   After speaking about inflation for the past couple of weeks, it seems that even the House of Lords are getting in on the action now. Their economics affairs committee have been questioning the Bank of England and have said it needs to provide a better justification for believing the rise in inflation is temporary.  They’ve also said that the Bank of England has become obsessed with quantitative easing and are using it to solve all the economic issues.     Hub Extra  After a hard-hitting episode, we thought we’d give you something easy to wind down and give you a little bit of escapism.   It’s a series on Netflix called ‘The World’s Most Amazing Vacation Rentals’. Three hosts go all around the world from the USA to Bali looking at holiday rental properties that you can rent out, depending on your budget.   So, if you have a holiday let strategy, you might pick up a few tips from it.    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.
29/07/2129m 15s

ASK295: What is the right level of leverage? PLUS: Do I need a new mortgage?

This week on Ask Rob & Rob we’re talking all things money and mortgages.  Our first question is about leverage and comes from Tyrone.  He wants to know if there’s a right amount of leverage to go for.   Tyrone is planning on re-mortgaging his property, but he doesn’t know what level he should go to. So, he’s asking for advice on how to calculate it and how he can balance the risk.  Our second question comes from James who wants to know about residential mortgages.   He’s got a three-bedroom property with a residential mortgage that runs out shortly. James has decided that he wants to convert it into a four-bedroom HMO property.   So now James is wanting to know if he can renew his residential mortgage or if he has to get a buy-to-let mortgage instead.   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.
27/07/217m 28s

TPP436: Everything you need to know about short-term inflation

Everyone is now talking about inflation (H3)  Inflation is here and things are visibly getting more expensive from month-to-month.   But why is it happening?   Will it last?   And what is the government going to do about it?   Rob & Rob are going to be answering all these questions in today’s episode of The Property Podcast.  Inflation can mean the difference between being wealthy or poor when you’re older, so it’s important to understand how and why inflation works, which is why this is just the first of two episodes we’ll be covering on the subject.     In the news  This week’s news story comes from the National Residential Landlords Association, and they’ve calculated how many different pieces of law there are that affect people who rent out property in England.  The answer is a whopping 168 laws, and that number has increased by 40% in the last decade. It’s quite surprising just how many local authorities aren’t enforcing these laws.   If that wasn’t enough, we’ve got another news story for you where the headline reads ‘mortgage bonanza as choice grows and rates tumble’.   There are now 4,500 mortgage products on the market which is only slightly down on where they were before the pandemic started. Plus, rates have started to come down again, so now the average two-year fixed mortage is 2.55%.    Hub Extra  This week’s Hub Extra is a free resource from the Land Registry and it’s a property alert service.   It allows you to sign up to alerts if anything changes relating to one of your properties on the Land Registry.   It will help you to avoid any fraudulent activity on any of your properties and it’s free to do so it’s a no brainer really.     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.
22/07/2134m 13s

ASK294: Are we heading for higher interest rates? PLUS: Should I sell to my tenant?

Rob & Rob are back for another round of questions.  Our first question this week comes from Louis.   Louis is in the process of saving up a deposit for his first investment property and has been doing some research whilst listening along to The Property Podcast.   He recalls a previous episode we did on quantitative easing and how the Bank of England pumped £450 billion into the economy in 2020.   He’s since looked into the Federal Reserve Central European Bank and Bank of Japan who have introduced a total of $8 trillion into their respective economies.  Louis is concerned that this amount of QE is going to have a knock-on effect and cause interest rates to skyrocket.   So naturally he wants to know if you’re planning to purchase a property and leverage debt before a period of inflation, are you running the risk of interest rates on that debt, greatly increasing as the government tries to combat inflation by pulling money back up the economy through increased interest rates?  Next up we’ve got Dan from the West Midlands who’s been in property for around five years.   He’s got a couple of properties in his own name and a couple in a limited company.   In one of his personal properties, he’s got a tenant that’s interested in purchasing it, if he’s willing to sell to them.   Dan’s had the property valued and if he chose to sell, he could release around 70-80K in equity. So, he wants to know which option The Robs think is the best.  Should he sell the property and use the 70-80K to buy more properties within his limited company, or should he keep the current property and take advantage of the good rental return and release the equity anyway?  Tune in to find out what Rob & Rob would do in these situations.    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.
20/07/216m 5s

TPP435: What traits make a successful property investor?

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.
15/07/2122m 56s

ASK293: Has the creator of the 18 Year Cycle predicted a crash next year? PLUS: How long do I need to wait before remortgaging?

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.
13/07/216m 31s

TPP434: How to use leverage in a boom and a crash

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.
08/07/2134m 22s

ASK292: Am I taking a risk by not being diversified? PLUS: Would you invest in ex-council houses?

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.
06/07/219m 36s

TPP433: July Market Update

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.
01/07/2122m 42s

ASK291: How do you deal with a hot market? PLUS Is Preston a good place to invest?

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.
29/06/218m 46s

TPP342: What will happen if the market crashes?

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.
24/06/2126m 16s

ASK290: Who's right about how to spend our £50k – me or my wife? PLUS: What can I do about my lack of mortgage options?

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.
22/06/218m 30s

TPP431: Bitcoin v Property

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.
17/06/2125m 40s

ASK289: Is my crystal ball working correctly? PLUS: Is a rent cap on the way?

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.
15/06/217m 19s

TPP430: Bitcoin: What property investors need to know

Before you get involved in Bitcoin, what should you know about it? Well, you’re about to find out in today’s episode. We’re temporarily diverting away from property because Bitcoin is such a hot topic right now. But what’s more concerning, is that people are wanting to jump on the Bitcoin bandwagon without understanding what it is or how it works. Rob & Rob love taking on complex subjects and breaking them down into understandable, digestible bits of information. So, if you’re clueless about Bitcoin, this is the episode for you.   In the news This week’s news story had to be none other than Nationwide’s House Price Index which shows annual house price growth has hit 10.9%. Average property prices have also gone up from £238,000 to £242,000 in a month! The report puts this down to people still wanting to move out of city areas and gain more space, which we’ve seen happening throughout the pandemic. So, for anyone who’s got a property portfolio under their belt, they’re likely to be pretty happy right now.   Hub Extra For this week’s Hub Extra, we’re giving you a trio of books for you to get stuck into. The first one is an easy read and it’s ‘Bitcoin Billionaires’ by Ben Mezrich. We’ve actually recommended this book before but it’s a brilliant story about the origins of Bitcoin. The second and third books are for you to continue your Bitcoin learning. We’ve got ‘Inventing Bitcoin’ by Yan Pritzker and ‘The Bitcoin Standard’ by Saifedean Ammous. These two books aren’t the most entertaining books to read but if you’re wanting to understand the technical side of Bitcoin then they do just that. We recommend listening to them on Audible and you’ll have them boxed off in a few hours.   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.
10/06/2127m 27s

ASK288: Should I consider this ratio when buying? PLUS: Can I finance a refurb with an offset mortgage?

Welcome back to another episode of Ask Rob & Rob. The guys are ready and raring to go, answering more caller questions.   Kicking things off this week is Andrew.   Andrew wants to know if the average house price to earnings ratio is something that The Robs think people should consider when looking to purchase a property.   Or is it just simply based on mortgage costs and interest rates?  Our next question comes from Joe.   Joe’s been doing all his homework and has read all of Rob D’s books. He’s convinced that the only way to renovate a house and sell it on quickly is by using a bridging loan.   But Joe has since spoken to someone who told him offset mortgages were also a good option if you already own your own home.   So, naturally Joe wants to get Rob & Rob’s advice to see if they’d recommend using an offset mortgage.   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.
08/06/218m 2s

TPP429: June Market Update

It’s the June Market Update Like always on the market updates, Rob & Rob are bringing you up to speed on all the goings on in the property world. And the June market update is no different. Today The Robs are going to be covering house prices, rents and even the Queen’s speech. Here’s all the links you need for your extra reading. House prices: House prices continue upward trend, rising 10% in March: ONS Nationwide predicts UK house prices will continue to rise First-time buyer demand and stalled price growth help city centres bounce back UK House Price Index – April 2021 Rents: Q1 2021: Rental market report PayProp UK special report – Arrears after 12 months of COVID-19 Coronavirus eviction ban in England set to end: what it means for renters and landlords Queen’s speech: The Queen’s speech 2021: four key issues for property agents Leasehold reform in England and Wales: What’s happening and when? Government pushes Planning Bill forward as critics question ‘free for all’   In case you missed it… We’ve got a new YouTube video out ready for you to sink your teeth into. We took a little break from creating YouTube videos but now we’re back with an epic episode, sharing the top five underrated places that you should invest in. In the past we’ve given you our location hotspots but we think these areas could be little hidden gems so it’s certainly worth the watch.   Hub Extra This week’s Hub Extra comes from our Podcast Producer, Dan and it’s an app called Blinkist. If you’ve ever read a book that’s along the lines of a self-help/motivational/business related book then chances are these books will have lessons you’d expect to learn from them. A lot of the time, the things worth knowing about could be summed up in a long blog post rather than a book filled with waffle. Well, Blinkist cuts through all the waffle and presents you with the need-to-know information. So if your spare time is quite valuable and you don’t want to read a full book, give this app a go.   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.
03/06/2118m 10s

ASK287: What is the right level of leverage? PLUS: Can I get my stamp duty back?

This week on Ask Rob & Rob we’re talking all things money.  Our first question is about leverage and comes from Tyrone.  He wants to know if there’s a right amount of leverage to go for.   Tyrone is planning on re-mortgaging his property, but he doesn’t know what level he should go to. So, he’s asking for advice on how to calculate it and how he can balance the risk.   Next, we’ve got a question on stamp duty from Sylvie.  Since September 2019 she’s bought one residential property and one buy-to-let property. Now Sylvie is planning on moving her buy-to-let property into a limited company.  She wants to know whether she can now claim back the 3% stamp duty she paid when buying her residential property, now that she’ll only have one property in her name.   Is it possible to claim back stamp duty from that long ago?  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.
01/06/218m 22s

TPP428: An interview with an architect turned property investor

This week on The Property Podcast we’re joined by Mary, an architect turned HMO expert Now and again on The Property Podcast we invite experts in as guests to share their experience with us.    And this week we’ve got Mary Osman who, along with her partner Andrew, is an architect turned property investor.   Mary and Andrew specialise in HMOs. (And if you fancy reading more about them, they’re featuring in the next issue of the Property Hub Magazine - sign up here)  They’re based in Leeds and have been involved in commercial property for around 15 years before moving into the residential territory of HMOs in Leeds and Yorkshire.   There have been high points and low points – along with a lot of lessoned learned. And that’s what Mary is sharing with us today.    So, make sure you tune in to listen and find out more.     News  This week’s news story comes from the BBC and the headline reads ‘renter eviction ban to finish at end of May’. Landlords have been unable to evict tenants since spring last year; which was understandable given the Covid-19 circumstances, but a date of 31st May has finally been confirmed – news which we’re sure many landlords will welcome.   Also, notice periods are being reduced from six months to four, then from October back down to its normal two months.    Hub Extra  This week’s Hub Extra recommendation is a new YouTube channel for you called Greylock.   Greylock is a VC company who invest in startups and they’ve invested in some rather famous ones.   There’s a series from a few years ago called Blitzscaling, and Rob B has picked out a particular episode with Patrick Collinson on his experience of hiring with Stripe.  Stripe is now a huge company so if you’re interested in business related YouTube channels then it may be worth giving this series a watch.     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.
27/05/2129m 37s

ASK286: How do you find good deals in a booming market? PLUS: What's the deal with freeports?

It’s girl power on Ask Rob & Rob this week.  Our first question comes from Amelia.  Amelia would like some advice on how to find a decent deal in the property boom we’re now in.   Her current strategy is buy, refurbish, refinance (BRR) so she can try and recycle some of her cash.   To be successful with this strategy, Amelia would need to buy below market value, but she’s finding that most properties are selling for the value of them refurbished, so there’s no money in it.   So, Ameila wants to know if there’s a useful way to secure properties off-market by leafleting or sending out postcards.   Next up is Nancy.   She lives in Merseyside and has a question on freeports.   Now that Chancellor Rishi has outlined the areas that’ll benefit from freeports, Nancy wants to know if there’s any tax breaks or benefits for investing in these areas.   So, do Rob & Rob think there are any tax relief benefits to investing in freeport areas?  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.
25/05/217m 19s

TPP427: A guide to investing in Liverpool

This week on The Property Podcast we’re putting the limelight on Liverpool  Generally on The Property Podcast you hear The Robs talking about property hotspots and where to invest. But you’ve never heard them go into much detail about certain areas.   Until now.  This week The Robs are heading back to Rob B’s roots of Liverpool and bringing you the areas you should definitely consider, the areas you should avoid and Rob B’s wildcard.  Where will Rob B peg as his up-and-coming area and ‘one to watch’?  Tune in to find out.    News  Last week the new session of Parliament opened with the Queen’s Speech and there were tonnes of legislations mentioned that are due to be brought forward.   This is probably down to the fact that not much other than Covid-19 got done last year.   But there were mentions of plans to end ground rents, renters reform and planning reform. There’s plenty more to cover on this but we’re going to save it for the next market update episode.     Hub Extra  This week’s Hub Extra recommendation is a fiction book and it’s not the type of book you’d usually expect either of The Robs to recommend.   Rob D was recommended this book by his wife, neither of them usually a big fiction fan. However this book is on Bill Gates’ ‘must read’ list.  It’s called ‘The Rosie Project’ by Graeme Simsion.   The book is about someone who has aspergers syndrome and puts together a questionnaire to try and find the perfect wife.  It’s a really good, easy read and pretty funny if you’re after something a little more lighthearted.     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.
20/05/2130m 42s

ASK285: Should I buy now or wait for a crash? PLUS: What happens to your mortgage if the property value falls?

Rob & Rob are back again this week answering questions on when’s the best time to buy, and what happens to a mortgage if the property value falls.  First up is Eleanor.   With the stamp duty holiday due to finish at the end of June, Eleanor is keen to explore the top end of her budget.  She doesn’t want to make a rushed investment and doesn’t want to consider stamp duty, but she’s keen to know how the stamp duty holiday will have affected the market when it comes to an end.  Should Eleanor take advantage of the stamp duty holiday whilse she still can, or could she save more money by holding out for a dip in property prices?  Our second caller this week is Owen.  Owen wants to know what would happen if your buy-to-let property fell into negative equity at the end of your mortgage term when you came to re-mortgage.  Will you then be locked into higher rates, or would you have to put in more cash to bring yourself back up to 25% loan to value?  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.
18/05/217m 38s

TPP426: We're in a property boom - why has no-one noticed?

This week on The Property Podcast we’re discussing the property boom and why no-one's noticed it The Robs have been saying this for weeks now – we're in a property boom!   And now it’s no longer just their opinion, it’s a fact.  Now you need to understand what’s happening, why it’s happening and what you should be doing right now.   And that’s exactly what Rob & Rob are talking about today.  Here’s what they’re covering in this episode:  The towns and cities that have seen the biggest price growth in a year.   The boss of Barclays predicting the biggest economic boom since 1948.  The regions that are outperforming the UK average growth.   Why is this growth happening?  How long will it last for?  And what should you do?  Tune in to find out.    Hub Extra  This week’s Hub Extra resource is all about protecting your online security.   We’ve talked about online security before and this time we’re recommending that you get an authenticator app installed.   They’re free to use and could save you a huge headache down the line. Tune in for all the details.     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.
13/05/2130m 19s

ASK284: Which of my cash-building strategies is best? PLUS: How can I take money out of my property?

It’s Tuesday and Rob & Rob are on hand to answer two more property related questions. Kicking things off this week is Mike from Southampton, who’s relocated to Merseyside. Over the past year during lockdown, Mike has been taking advantage of the extra time he’s had and devoured all of Property Hub’s resources. He’s now 100% sure that wants to get into investing in property. He knows that he needs to build up a pot of cash before he can get started and he wants to know what The Robs think he should do. Mike is currently overpaying his mortgage payments, he’s got a savings account which he keeps topped up, and he’s started investing in stocks. So, should he focus on one more than the others or should he keep doing what he’s doing? Our second caller this week is Elisa. Elisa and her boyfriend bought a property in Nottingham a few years ago in cash, and it’s now increased in value over the years. They’re looking to release equity from the house to be able to buy a second property. Now, the most obvious solution is to re-mortgage the property. However, there’s a slight issue. Both Elisa and her boyfriend have low credit scores and will need to find a specialist lender or provider, which could be a bit more expensive. Are there any other options that Rob & Rob could suggest Elisa tries instead in her situation? 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.
11/05/218m 24s

TPP425: May market update

It’s the May Market Update This month’s May market update is jam-packed with news stories for you to sink your teeth into. And naturally Rob & Rob have picked the best ones to discuss on today’s May market update. Here’s what to expect on this week’s property podcast episode Since the last market update, the media has still been in a frenzy over the property market. And it doesn’t seem to be dying down anytime soon. But we’ll leave it to The Robs to talk you through this month’s latest headlines. House prices and activity: Prices surge 8.6% in year to February: ONS UK property sales at 16-year high as house prices soar UK House Price Index – February 2021 Northern property market continues to outpace the south London: Prime London flats rentals still in doldrums – but for how long? Khan’s call for rent controls would leave London tenants worse off London commuter belt rental market still performing strongly Renting: Renters Reform Bill: timetable may be clearer next month Right to Rent: New Rules for Landlords Manchester Mayor vows to launch £1.5m landlord licensing across city Pets: Blanket ban on pets welcomed by almost half of landlords MP backs law change to allow tenants to pay pet damage insurance Make sure you tune in to the May market update find out what’s going on in the property world.   Hub Extra If you’ve been a member of the Property Hub family for a while, you’ll know that Ray Dalio is one of our faves. Not just because he’s one of the wealthiest men in the world, but more for the knowledge he’s shared over the years. We often mention his resources on the podcast but this time we’ve got a free resource that’s a little more fun. It’s a personality test and you can find it on principlesyou.com. It helps you see what things you’re good at and what you might be not so good at and can improve on. And that might be easier than you think. A lot of these tests are costly so you’ve got nothing to lose with this free one.   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.
06/05/2123m 25s

ASK283: Tell me what I need to know about Liverpool! PLUS: Should I rent furnished or unfurnished?

It’s Tuesday and we’ve got another two great questions to answer on today’s episode of Ask Rob & Rob. The first question this week Is from Shipla. Shipla wants to know everything there is to know about the Liverpool property market. What areas are good to invest in? Which ones to avoid? What’s the forecast for Liverpool in 2021? Shipla wants to know anything and everything The Robs can give her. She’s an investor based in London so naturally doesn’t have the local knowledge. Move over Rob D – This is Rob B’s time to shine! Our next caller has a question on city centre apartments and whether you should furnish them or not. There’s a load of conflicting information on this debate. Some reckon you can leave an apartment unfurnished for tenants to put their own stamp on the place. Others think furnished will let quicker and be less hassle for tenants. Is there a right or wrong answer when it comes to letting out city centre apartments? 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.
04/05/218m 29s

TPP424: Is investing in city centres a thing of the past?

This week we’re turning our focus to city centres The death of city centres has been widely publicised, but is it correct?  On this weeks episode of The Property Podcast, Rob & Rob have a different point of view that might open up a once-in-a-lifetime opportunity for property investors.   So make sure you tune into today’s episode to find out what it is.  Here’s what to expect on this week’s property podcast episode A common theme amongst headlines over recent months has been how city centres are dying out, rural locations are thriving and how London is struggling.   Apparently... what buyers and renters are looking for has changed.   So does this mean doom and gloom for people who already own properties in the city centre?  Or is this just a blip and if so, does it create any kind of opportunity for investors?   That’s what we’re looking at today.     In the news  This week's news story comes from Estate Agent Today and the headline reads ‘stamp duty receipts soar despite the holiday’.   In March, stamp duty brought in £1.1 million, making it the fifth biggest month for Treasury income from this tax since it was introduced in 2003. It was also 22% higher than the same month in 2020.  Which on the surface seems bizarre as when you cut a tax, you don’t generally expect to see MORE of it. But there are a few things that could be happening here...  It could just be a conincidence, but it could also be that the reduction in tax has prompted more people to move, so the volumes are higher. It seems a win win for everyone.    Hub Extra  This week we’ve got an incredible resource for you called Class Central.  It’s a search engine that’s for all of the free courses that are out there on the internet, mostly from universities.   They’re reviewed, some will give you certificates and you can learn pretty much anything - and the quality is absolutely incredible.   There’s always time to continue your learning which we’re big believers 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.
29/04/2127m 50s

ASK282: I’m ready to invest: Should I go it alone or get help? PLUS: How often should I do a new inventory?

Hello and welcome back to another episode of Ask Rob & Rob. The guys are here to answer all your property questions and they’ve got another two to answer today. So let’s get stuck in. First up we’ve got Stephen who, after listening to the podcast, has decided he wants to invest up north or in the Midlands. He knows The Robs reckon Derby is going to be a good bet for 2021. But after Rolls Royce announced they’d be making redundancies and have had a change of strategy, he wants to know how The Robs think this is going to affect Derby? Stephen also wants to know whether it’s worth him looking at doing the work to invest in buy-to-let property himself or if he should get on board with a company like Property Hub Invest? Our second question this week is from Ayesha. She’s previously done an inventory on her property and used a professional that charged her £60 +VAT. Now Ayesha wants to know how often would she have to do this inventory? Does she need to get a new one after each tenant leaves or can she just keep the one she’s got and update it herself for each tenant? Or, is it a requirement that she gets a professional in to do it for her? 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.
27/04/217m 1s

TPP423: The Ltd Co tax changes you need to know

This week we’re talking all things tax When it comes to tax, property investors are obsessed with learning and understanding it.   And we don’t blame them because the difference between getting it right and wrong could be thousands of pounds.   So this episode is a must listen!  Here’s what to expect on this week’s property podcast episode It’s been a while since we talked about tax so we thought it was about time we changed that.   We’re always inundated with questions about buying in a limited company. And we even did a video on whether ‘should you buy property through a limited company’.  But because tax is complex, it’s always been better to leave the tax advice to the specialists.  To give you a brief overview, back in 2015 new rules were introduced which meant individuals could no longer claim mortgage interest as an expense, but limited companies still could.   So overnight, owning property in a company became a lot more attractive because those investing personally were left paying tax on profit that wasn’t really profit because it ignored the cost of interest.  It impacted investors to such a degree that the majority of those who invest through us at Property Hub Invest now do so using a limited company.  These rules have been eased in over the years but fully came into play as of April 2020, so we thought we’d take a look into it.   If you’re wanting to purchase property through a limited company, then make sure you check out the tax implications and give this episode a listen.    In the news  This week we’ve got two news stories that might incentivise you to become a greener landlord.   The first one, ‘yet another BTL lender issues cheap loans for homes with good EPCs’. Mortgage lender Keystones have now said that they offer a 0.15% reduction to landlords with properties older than five years with an EPC rating of A to C.  The second story is, ‘Buy to let lender says new eco-loan will be ‘push for landlords’. The Mortgage Works, part of Nationwide, has a new mortgage product called the Green Further Advance, which can be used to make sustainable home improvements.   So, if your property is in need of a little TLC, it may well be worth looking into going green and saving yourself some money as well as the planet.    Hub Extra  This week for Hub Extra, we’ve got a couple of resources for you.   And they’re an alternative to the popular messaging app, Whatsapp.   Whatsapp doesn’t offer a lot of privacy and are increasingly collecting data and insights into your activity.    So we’ve got a couple of different options for you. They are Signal and Telegram.   Both are apps just like Whatsapp that you can get for free, but your privacy is a lot more protected.     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.
22/04/2125m 7s

ASK281: The rental stress test has me trapped - what should I do? PLUS: Am I competing against a phantom buyer?

Rob & Rob are back again this week to answer two more listener questions.   Our first caller this week is Philippa.   She’s purchased a property in Liverpool that she needs some advice on.  The property was originally listed for £110,000 which Philippa thought was a decent price for the location and size of the build.   After submitting her offer, she was told she’d been significantly outbid.   It got to the point where Philippa’s offer of £126,000 was accepted and although she was still happy with the end ROI, she couldn’t help but think that the estate agent had invented this other buyer.   So Philippa wants to know if there’s any way of finding out if there was legitimately another interested party or if the estate agent was playing foul.  Our second caller this week is Noel from London who’s got a question about releasing equity.   He purchased two derelict properties and renovated them in 2013-2015. Now he rents them out.   The loan-to-value on the properties is around 50% each and he wants to release some equity to be able to purchase more property.   However, he’s finding it hard as he appears to be at the top of the stress test based on the rental income of the properties.   He can’t increase the rent as he’s already at the top end for that area.   Will Rob & Rob have any other suggestions for Noel?  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.
20/04/217m 48s

TPP422: How to HMO

This week we’re taking a look at how to win with a HMO strategy Ususally when you choose a HMO strategy you need to invest pretty close to home as it can be quite a hands on strategy.   But that’s not a problem for today’s guest, Tim.  Tim invests in student HMO properties 300 miles away from his hometown. And, he does absolutely everything himself.  Here’s what to expect on this week’s property podcast episode HMO strategies are becoming more popular and we often get questions on the best way to execute them.   If you’re not familiar with what a HMO is, it stands for House in Multiple Occupancy. So basically where you rent the rooms out individually and have shared communal areas like the living room and kitchen.   The reason they’re so popular is that they’re on the high end of the cash spectrum and the yields can be very attractive. But they’re also on the high end of the effort spectrum.   So, today we’re talking to Tim who’s been investing in property since 2017 and his portfolio consists of five HMO’s with a total of 28 rooms.   All of his properties are in Bangor, North Wales and are 300 miles away from where Tim lives.   We wanted to find out how Tim became a landlord managing 28 rooms and why he chose the location he did.   If you’ve been thinking about choosing a HMO strategy then Tim’s success story could be some great advice for you.     In the news  This week's news story is from Landlord Zone and the headline reads ‘step away from ‘disastrous’ rent controls campaign, landlords urge Sadiq Khan’.   The current Mayor of London is wanting to continue with his plans for rent controls if he’s re-elected later on this year, and landlords aren’t happy about it.   However since the last time Sadiq Khan was campaigning for this, rent prices in London have gone down by 9.8% according to Zoopla whereas outside of London they’ve increased by an average of 2.6% over the last year.  So it doesn’t stand well right now for Saidq Khan’s campaign methods.    Hub Extra  This week’s Hub Extra resource comes from our Podcast Producer, Dan.   It’s a YouTube channel called TED-Ed and it’s an extension of TED Talks but in the form of short, five minute educational videos on all sorts of topics.   The videos may appear to be specifically for kids, but Rob & Rob have already bookmarked ones they’re going to be watching themselves.    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.
15/04/2134m 0s

ASK280: Where in the “Northern Powerhouse” should I buy? PLUS: Should Stamp Duty be scrapped completely?

Welcome back to another week of Ask Rob & Rob.  To get us started this week we’ve got Luke.   He’s only 22 and already looking into investing his money into property.   Luke knows that he wants to invest in buy-to-let properties through a limited company but he’s unsure on where to actually buy.   He’s been looking into the Northern Powerhouse locations but already knows that he’s priced out of Manchester and Liverpool city centre so has been looking at surrounding towns.   This issus is that Luke is struggling to find the confidence to invest in these locations and is wondering if Rob & Rob have any advice on whether he should just go for it.   Second up we’ve got Paul calling from Dubai.   Thanks to all the free content from Propety Hub, Paul and his wife gained the confidence to invest and are about to complete on their third property in 12 months.   Pretty good going!   Paul is wondering if The Robs think that there’s potential for the government to scrap stamp duty altogether and try to claw back the lost revenue by tightening on capital gains tax.  What do Rob & Rob think?  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.
13/04/217m 56s

TPP421: Grand Junction: Our million pound mistake

This week we’re talking about Grand Junction You might remember Rob & Rob talking about their development, Grand Junction, in episode 315. This week that story has been shared on our other podcast, Any Other Business - because it’s important to share when things go wrong and the lessons that can be learnt.  And after episode 315 aired, things actually got a whole lot worse! Here’s what to expect on this week’s property podcast episode Grand Junction is a bitter pill to swallow.  To give you a recap, Grand Junction is a site that Property Hub Homes built in Crewe and it was the first ever development. By the end of the project, the business had actually lost £1 million! Rather than bury this experience and put it behind them. Rob & Rob have decided to treat this episode as more of a therapy session to chat through where things went wrong and what they’ve taken away from such a bad experience - and a pretty epic loss!  So this week we’re sharing with you the raw, emotional episode of Any Other Business.  And if you like this episode, there’s plenty more over on our YouTube channel. So make sure you head over to subscribe.    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.
08/04/2141m 35s

ASK279: Is it realistic to do a refurb remotely? PLUS: How do I get the confidence to invest away from home?

This week on Ask Rob & Rob, we’re answering two questions on investing in property away from home. First up this week we’ve got Ben.  Ben purchased his first property around four years ago before he got the property investment bug and found Property Hub.  He never had any intentions of building a portfolio but now he wants to try and get as many properties under his belt as he can.  He’s already decided that he wants to go down the BRRR (buy, refurb, rent, refinance) route and he’s aware that this strategy is more hands-on than most.  Ben lives in the South East of England and knows that he’s priced out of his local area so he’s turning his attention to the north to find himself a project.  But how cost effective is it trying to refurbish a property remotely?  Will Ben’s margins be squeezed too much as he’ll have to outsource the work? So will it even be worth it in the end? Our second caller is Hayley from Devon.  She’s been listening to the podcast for a couple of years whilst saving up. She’s previously bought her own residential property and is now in the process of building her funds back up.  She’s aware that the south of England is pretty expensive so is looking at purchasing a property further afield where property prices are a bit cheaper.  But Hayley wants to know how do you actually gain the confidence to invest in an area that you have no knowledge of and don’t know anyone from there either?  What advice will The Robs offer Ben and Hayley this week? 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.
06/04/217m 50s

TPP420: April Market Update

Here’s what the April Market Update has in store for you In this month’s April market update, Rob & Rob are taking a look at which area of the country is growing by over 16% right now, and where £192 million is being spent every day.  Here’s what to expect on this week’s property podcast episode There’s been a load going on in the media and in the property market, so today Rob & Rob are taking a look at the bigger picture. And they’re kicking off with Rightmove’s claim of us having the strongest sellers market in a decade! Not to mention the House Price Index that’s revealed the best performing cities to be Manchester, Liverpool, Leeds and Nottingham with 5% year-on-year growth. That’s been a cracking start to our 2021 hotspot predictions.  It’s a big update today as The Robs are covering:  Controversial city is UK’s property hotspot Boomin warned - Rightmove hits record number of visits in a day Households repay record £17.6bn mortgage debt Yorkshire Building Society first to bring back 95% mortgages Habito launches 40-year fixed rate mortgage Landbay strengthens support for trading limited companies with new BTL range Labour claims tenants “barely considered” during the pandemic Shock report: Eviction ban’s 21,000 ‘in-limbo’ section 21 notice landlords Make sure you tune in to find out what’s going on in the property world.   Hub extra This week’s Hub Extra is a recommendation from our podcast producer, Dan. It’s another podcast called ‘The Rewatchables’.  Essentially they go over old movies and remind you of why you should watch them. They cover films such as The Terminator, Coming to America, Toy Story and Rocky. If it’s a classic film, they’ve got a podcast episode on it.  So if you’ve finally run out of things to watch as we’re coming to the end of lockdown, give this podcast a listen and see what classic films take your fancy. And to round off this week’s Hub Extra, here’s a recommendation from Rob B and it’s a film called Momento from way back in the year 2000.   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.
01/04/2117m 14s

ASK278: Am I walking into a money-pit? PLUS: Should I put my savings into shares?

Welcome back to another episode of Ask Rob & Rob. Kicking things off this week is Lily.  She’s recently put in an offer on a leasehold apartment in a Grade II listed building and had it accepted. However, after having the structural report done, the results were shocking. Even though the property looked incredible on the outside, it clearly hadn’t been looked after on the inside. So what do Rob & Rob think Lily should do?  Should she walk away from the purchase or use the structural report to her advantage to try and negotiate a better price on the property? Next up we’ve got Tomas.  He currently owns a couple of buy-to-let properties and at the moment the income he gets from them he just sits in the bank. Tomas wants to save this money to buy another buy-to-let property but he’s wondering if he should leave the money in the bank, or if he should invest it elsewhere, like into shares.  He’s previously looked at an app called MoneyBox but wants to know if that’s a good idea.  So what’s the better option, leave money in the bank or invest it in shares?  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.
30/03/218m 47s

TPP419: What's happening to the London property market

This week we’re taking a look at the future of London Since the Coronavirus pandemic hit last year, the future of London and its property market has been a hard one to predict.  As it stands, the London market is all over the place.  Rents are falling, house prices are falling and thousands of people are leaving the capital.  So what does all this mean for the future?  We’re dedicating a whole episode to just that. Here’s what to expect on this week’s property podcast episode The media love the property market. And they love London.  But journalists tend to look at what’s happening in the capital and presume this is the same across the country.  That’s why it’s important to not be swayed by headlines.  Normally we steer clear of discussing London on The Property Podcast but after the past 12 months and the effects Coronavirus has had on the whole country, we felt the need to address the future of London.  It’s common knowledge that people are moving out of the capital and clearly tourism has taken a hit over the past year.  So what does that mean for you if you’re an investor in London or you were planning to make an investment there? Today Rob & Rob are covering: Why has London been hit so hard? Why 700,000 people are leaving London Rents falling and what this means Falling house prices The latest price statistics you should know Plus so much more! So, is the future of London looking bleak or is there hope on the horizon?  Tune in to find out.   In the news This week’s news story comes from Mortgage Strategy and the headline reads ‘strongest sellers’ market for a decade’.  The article uses data from Rightmove where they’ve measured the number of enquiries per property, which is 34% higher than last year - that’s a busy month! This demonstrates how strong the market is right now and the supply of properties coming onto the market is certainly proving an issue.   Hub extra This week’s Hub Extra resource is one to get you out and about. It’s called All Trails and this app helps you to explore your local area. If your usual walk/run route has got a bit stale, this is worth a look. You simply pop your local area into the app and it’ll suggest a load of new routes nearby for you to explore.  Perfect if you’re wanting a change of scenery this 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.
25/03/2123m 20s

ASK277: Will I be down-valued? PLUS: What landlord insurance do I need?

It’s another week of your property questions on Ask Rob & Rob.  The first question this week is from Noel. He’s recently purchased a property at auction that was up for £150,000, but after getting into a bidding war, he ended up paying £175,000 for the property.  Noel is happy to pay that price, however he’s just a bit cautious that the surveyors might not value it at £175,000 and if that’s the case, what are his options?  He’s planning to convert the terrace property into a 3-bed but there isn’t anything comparable in the local area.  Terrace properties of smaller square footage have sold for £175,000 but if there’s nothing comparable to his property, what are his options? Next up is Max who has a question about yields. He’s currently running the numbers on a potential deal before he purchases it to see what his ROI would be.  One fee he’s included is landlord insurance which he knows is optional but he’s keen to know how much Rob & Rob think landlords should be spending on it.  Is landlord insurance absolutely necessary?  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.
23/03/219m 17s

TPP418: Success story: buy two properties - get one free

We’ve got an interesting success story for you this week This success story is a little different to most success stories we share on a weekly basis.  You’ve heard of the term ‘buy two get the third one free’, but have you ever heard it in the property market before?  Chances are, probably not.  But one lady’s success story benefits from this kind of deal... Here’s what to expect on this week’s property podcast episode Today Rob & Rob are talking to Elly and she’s got a unique success story that we think you’ll be pretty impressed by. Elly’s full story will be appearing in the next issue of the Property Hub Magazine so if today’s episode grabs your attention, make sure you’re subscribed to receive the next issue.  She lives in West Sussex and a few years ago decided that she was going to invest in property 350 miles away in the North East. Going into 2020 she had one property under her belt that she’d done up and rented out and was planning on using the buy, refurbish, refinance strategy.  But that’s not quite what happened.  Whilst speaking to her broker about refinancing the first property, she was presented with a deal.  Three two-bedroom terraced properties in County Durham on a buy two get one free offer.  The typical tenant in this area tends to be Universal Credit, which she wanted to get into further down the line.  Naturally Elly was pretty cautious about this deal as it’s quite a specialist area.  So what did she do?  Tune in to find out.   In the news We’ve got two related stories for you this week, both about the mortgage market. The first being a new ‘40-year mortgage product’ which has just been released - and if that wasn’t crazy enough, it’s a 40-year fixed mortgage term!  Not only will your mortgage payments remain the same for the next 40 years, apparently there’s no early repayment charge or exit fee. Madness.  The second news story is ‘Metro Bank launches ‘near prime’ mortgages’ which means people with a credit score that’s below average will be able to get a mortgage.  This includes people who have CCJs that are unsatisfied and the products are 80% loan-to-value which is quite surprising.  Will there be similar moves with buy-to-let mortgage products? We’ll have to wait and see.    Hub extra This week we’re giving you a poem. It’s a poem that Rob B wrote down at the beginning of his goals book so he always had a constant reminder of it. It’s called Victory by Herbert Kauffman: You are the Man who used to boast that you'd achieve the uttermost, some day.   You merely wished to show, to demonstrate how much you know and prove the distance you can go..   Another year we've just passed through. What new ideas came to you? How many big things did you do?   Time left twelve fresh months in your care how many of them did you share with opportunity and dare again where you so often missed?   We do not find you on the list of makers good. explain the fact! Ah No, 'Twas not the chance you lacked! As usual - you failed to act!   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.
18/03/2125m 36s

ASK276: I've got £2.5m to spend! PLUS: Which areas have the most rent arrears?

Welcome back to another week and another episode of Ask Rob & Rob. The guys are here to splash the case and dish out some advice.  First up this week we’ve got Andrew and he’s got £2.5m to spend! Throughout the pandemic he’s been running a business that’s been racking up cash reserves and he needs to do something with it.  He thinks property seems the best way to get a return on his money and with financing, could have around £10 million to invest!  That’s crazy money!  However he seems to think that with funds of that size, buying a two bedroom apartment up north isn’t really going to be the best use of his time and money.  So he wants to know how Rob & Rob would invest that amount of money into property.  Our second caller this week is Ed from Southampton.  He’s wanting to invest further afield from home and naturally doesn’t want to invest in the wrong location.  So, he’s asking The Robs which areas in the UK have the biggest void periods and rent arrears so he can avoid looking into these areas.  Do Rob & Rob hold the answers to Ed’s question? 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.
16/03/218m 3s

TPP417: March Market Update (Budget special)

Here’s what the March Market Update has in store for you This month’s March Market Update episode is dedicated to last week’s budget announcement. A lot of you were expecting this episode last week, but we needed time to get all our ducks in a row before we shared what it means for you as an investor.  Here’s what to expect on this week’s property podcast episode Brace yourselves, this may be the most impactful budget on the property market we’ve EVER discussed.  Rob & Rob are looking at the big news that was (and wasn’t) included in the budget.  Here’s just a small snippet of what’s to come in this jam-packed episode:  Taxes Extension of furlough  Universal credit increase extended  The recovery loan scheme Additional support  Free ports It’s the episode you’ve all been waiting for, so go give it a listen.   In the news Even though the budget has taken center stage this month, there have been a few non-budget related news stories.  One being an article in Mortgage Strategy sharing a report from Nationwide, who’ve said ‘prices rebound with 6.9% growth’. At first we thought this could be an anomaly, but now it seems like it’s part of the property cycle.  And if you missed our latest episode on where we’re at in the 18-year property cycle, you can catch that 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. See omnystudio.com/listener for privacy information.
11/03/2124m 29s

ASK275: Has this area’s capital growth peaked? PLUS: Am I calculating yield correctly?

It’s Tuesday, so that can only mean that Rob & Rob are back to answer two more listener, property related, questions.  Our first question this week comes from Lee.  Lee has been listening to the podcast for over a year now and is doing an immense amount of research into where he should invest.  Naturally he’s been listening to Rob & Rob and eyeing up Manchester and Leeds, but he’s now turning his attention to Nottingham for the affordability aspect. However he’s having doubts after seeing that in two years, a council estate that was priced at £90,000 is now priced at £130,000.  So essentially, Lee wants to know if this kind of growth can be expected to continue, or do certain areas experience capital growth which then moves onto another area? The second question this week comes from Nick who’s having issues calculating yields.  He’s currently in the process of purchasing his seventh property, the last three of which have been during lockdown - you go Nick! He’s been told that if you achieve a yield between 6-8% then that’s pretty good.  But when he’s been working the numbers out based on the 30% deposit he put down, he’s getting a yield that’s much closer to 20%.  So what’s he doing wrong? What’s the right way to calculate a rental yield? 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.
09/03/217m 11s

TPP416: The REAL reasons property prices go up

This week we’re taking a look at the real reasons why property prices go up Many people think property prices rise due to supply and demand. Some think it’s to do with inflation, and some think it’s about location.  So who’s right?  Or, could it be a combination of them all?  In today’s episode Rob & Rob are revealing everything! Here’s what to expect on this week’s property podcast episode A few weeks ago, on an episode of Ask Rob & Rob, we had a caller named Jonathan who wanted to know why property prices rise, after reading an article on housing supply.  And while The Robs answered Jonathan’s question, they’re expanding on it today and are delving right into the detail. To kick things off, did you know that each property is in two separate markets?  You may have thought that there was only one market, the property market, but there’s actually two. The services and assets markets.  So now you might be wondering what the difference is between the two, and how they work differently to increase property prices.  And that’s exactly what Rob & Rob are digging into today. They’re taking a look into the report that Jonathan referenced and have dissected it so it’s more digestible.  Make sure you tune into today’s episode for some more valuable knowledge bombs on why property prices increase from Rob & Rob.   In the news This week’s news story is ‘demand for rental accommodation in London collapses’.  Of course, this headline is somewhat misleading as the article is actually referencing a particular type of rental property, which is shared accommodation.  In West Central London, demand is down 43% compared to last year and East London down 19%. This doesn’t come as much of a surprise as London is struggling and you’d expect shared accommodation to be the worst hit over the past 12 months.  Another headline that caught our eye was from Letting Agent Today. ‘Victory for Airbnb in first round of battle for short lets regulation’.  The Scottish Government had drawn up a licensing scheme that would give local councils the power to issue licences on homes that advertised on Airbnb and similar websites.  Meaning that possible short-term lets and holiday lets could need planning permission before being allowed to let, along with stricter health and safety measures.    Hub extra This week’s Hub Extra resource is another book recommendation, but this time from Rob D.  It’s called ‘Alchemy: The Surprising Power of Ideas That Don’t Make Sense’ by Rory Sutherland.  He’s the vice chairman of WPP which is a massive advertising agency. The book is about how everyone in business makes their core decisions based on logic, however most people’s buying habits aren’t governed by logic.  So by approaching things in a logical way you miss great solutions to problems that are often simpler and cheaper than the solution that logic directs you to.  It’s a fascinating book that combines business, marketing and psychology so if you like any of those topics then we recommend you give this a read.   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.
04/03/2119m 5s

ASK274: Do REITs experience growth in a boom? PLUS: Will this help me avoid CGT?

Rob & Rob are back again this week to answer two more fantastic questions. We’ve got a rather interesting first question from Brendan. He’s got a question on the 18 year property cycle, one of our favourite topics to talk about.  Brendan wants to know if Real Estate Investment Trusts (REIT) are likely to experience the same sort of growth in a boom period as residential property? If you’re not 100% sure on what a REIT is and how they work, don’t worry, Rob D covers that along with how they benefit property investors. The second question on this week’s episode is from Antonio.  He’s got a portfolio of properties which he’s had for around 20 years and is now considering selling.  His accountant has advised him that if he moves back into the property for 6-12 months, he won’t have to pay capital gains tax on the sale as it will be seen as his main residence.  Is this a way of getting around capital gains tax? 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.
02/03/215m 59s

TPP415: Where are we in the 18 Year Property Cycle?

This week we’re taking a look at where we are in the 18 year property cycle Whether you’re a new or experienced investor, the 18 year property cycle is something that you should know like the back of your hand.  For years it’s helped investors determine when they’d be most likely to invest in property and when they’re going to wait it out.  We get asked all the time ‘where are we in the 18 year property cycle?’ and even more so at the minute, ‘is the cycle broken due to Covid-19?’ Well, we’re about to find out. Here’s what to expect on this week’s property podcast episode In 2020 we were hit with a global pandemic that completely brought the property market to a grinding halt.  So naturally people were questioning what this meant for the 18 year property cycle.  But once the property market was back up and running (and more buoyant than people expected), we were then getting asked ‘does this mean we’re at the peak of the cycle?’ If you’re new to the podcast and have no idea what the 18 year property cycle is then don’t worry because we’re going to give you a recap in this episode.  According to the average 18 year cycle, we should now be in the mid-cycle wobble phase.  But is that true or has Covid-19 changed the course? Tune in to find out.   In the news We’ve got two news stories for you this week.  The first one is a note on the evictions ban being extended again. It was due to end on the 22nd February and has been extended to the 31st March at the earliest.  Chances of it being extended again are pretty likely, even though we’re on the right path it’s still not 100% certain that we’ll be back to normal by then.  Another possible policy extension is on the stamp duty holiday. This could be extended by a further six weeks, which isn’t a huge timeframe. A lot of people will complete in time but there will also be many who slip through the net.    Hub extra This week’s Hub Extra resource is a book that Rob B has been reading.  The book was actually a recommendation from a YouTuber called Ali Abdaal and it’s a book called ‘A Million Miles in a Thousand Years’ by Donald Miller.  It’s the story of a writer who was approached by Hollywood screenwriters who wanted to tell his life story.  But when they started putting it together it turned out that it wasn’t very interesting or inspiring and that really made Donald reflect on his life and he decided to live a better story.  In a way it really resonates with the type of reflection that we’ve all gone through over the past year and how we can live a better life when we come out of the coronavirus pandemic on the other side.   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.
25/02/2122m 52s

ASK273: Should I take equity out of my home? PLUS: Can I buy now and remortgage later?

It’s Tuesday and that means Rob & Rob are back to answer two more listener questions. The first question this week comes from Florence. She’s thinking of remortgaging her property as she has around £190,000 of equity tied up.  However, she doesn’t know if she should pay the penalty to get out of her mortgage now, which will be around £1,040, or wait two years when her fixed mortgage rate is finished. She doesn’t yet know which route she should choose, but if she was to release the equity, she wants to try and beat the stamp duty fees coming back into play.  Next we’ve got Martin calling from Hong Kong.  Since he’s been listening to the podcast he’s purchased one small property in the UK with cash. He’s wanting to buy more properties in the UK and with being based abroad (and the current coronavirus situation), buying in cash seems to be easier than buying with a mortgage.  After listening to the podcast and Rob & Rob’s views on leverage, he wants to know if he bought a property with cash, could he then take out a mortgage on it in a year or two?  Is this a possible idea and is it beneficial? 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.
23/02/218m 50s

TPP414: QE could dramatically change property prices...so why is no-one talking about it?

This week we’re exploring how QE could dramatically change property prices QE (short for Quantitative Easing) is currently at record levels that have never been seen before.  The approach has discreetly been changed by the government, so as a property investor you must understand what’s going on. And that’s exactly what Rob & Rob are discussing on today’s podcast episode. By the end of this episode you’ll know exactly what QE is and how to take advantage of it. Here’s what to expect on this week’s property podcast episode We get it, QE sounds really boring and while it’s really complicated... it’s also incredibly important. For us, it’s important that you understand QE just as much as you understand leverage or inflation, it’s a core concept to long-term property investing. Here’s what Rob & Rob are be covering on today’s episode on QE: What is QE? Amounts of QE The effects of QE (pre-2020) Asset price inflation since 2009  Why is 2020 QE different? What is the likely effect? What can you do about it? This is going to be an episode that may frazzle your brain a little so you might want to grab a pen and paper and take notes. You may even want to listen to it a couple of times to wrap your head around it but we promise it will be worth your while.   In the news A major news story in the property world this week comes from the BBC. ‘Cladding: Extra £3.5bn for unsafe buildings ‘too little, too late’.’ There’s another issue with the cladding scandal - and that’s the clarity around who it does (and doesn’t) help. And that’s because the government has stated that this funding is applicable to buildings over 18m high. So if you live in a development below 18m, the funding won’t help you, but there will be low cost loans available.  We don’t think this is the end of this ongoing battle. We’ll be keeping an eye on further developments.    Hub extra For Hub Extra this week The Robs are recommending a tool they’ve both been using since the first lockdown.  Rob B used to work on an iPad Pro because he travelled around a lot. But like most people, he’s been stuck at home and this meant the iPad wasn’t an ideal set-up.  So, he invested in a widescreen monitor. So we’re keeping it simple and recommending the very basic widescreen monitor itself. It can increase your productivity when you’re used to working on a laptop or iPad - and as you know… we’re ALL about the increase in productivity. See omnystudio.com/listener for privacy information.
18/02/2125m 52s

ASK272: I’ve made an offer but not heard back – what should I do? PLUS: Should I buy the freehold?

Rob & Rob are back again with another two great questions to answer. Up first we’ve got Jess.  She put in an offer on a flat and got a response from the vendor that they wanted something a bit closer to the asking price. Jess then put in a counter offer, all cash, £2,500 under the asking price.  In most cases this would be a pretty decent offer that’s likely to get snapped up with the ability to move fast on it.  However, Jess still hasn’t received an answer from the vendor. She hasn’t had her offer accepted or rejected and is questioning if he’s not a serious seller and should she just move on.  The second question this week comes from Neale who has a question about freehold. He has a one bedroom buy-to-let apartment which is one of five within the development.  It had previously been poorly managed and recently Neale and fellow landlords took over the management. The freeholder has recently indicated that they’re willing to sell the freehold to the five apartments.  All five parties are keen to proceed, but Neale wants to know if there’s any real benefit to owning part of the freehold? Will the value of the properties increase if he owned the freehold? 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.
16/02/217m 42s

TPP413: Why Predictions Are Rubbish

This week we’re exploring why predictions are crap Nine times out of ten you’ll listen to expert predictions.  But, believe it or not, they’re not always right! So this week on The Property Podcast we’re going back in time to take a look at what predictions have been made by both Rob & Rob, and other industry experts, and seeing whether they were right or wrong. Here’s what to expect on this week’s property podcast episode At the beginning of January Rob & Rob shared their 2021 predictions podcast episode and a few weeks later did their 2021 property hotspot predictions. But even though The Robs like making predictions and going back to review them, they also dislike them. That’s because predictions can sometimes be wildly inaccurate and if you take them too seriously, it can lead you in the wrong direction.  So in this episode Rob & Rob are going to go back and take a look at some significant years in property, take a look at what happened in those years and see what various people predicted was going to happen.  As they go through this episode they’ll be picking out patterns that’ll be worth keeping in mind as you review predictions in the future.   In the news This week’s news story comes from This is Money and the headline reads ‘Pets in lets: Government makes it harder to impose ‘blanket bans’ on tenants having animals’.  From reading the article, it makes it sound as though you now have to accept tenants with pets by default and have to object case by case if you don’t want pets in your property.  But like any good old headline, that’s not the case. There’s simply a new clause that’s been put into the government's standard AST.     AOB has moved You may have noticed that this week there was an extra episode of our Any Other Business podcast.  We’ve decided to now kick start your week the right way and you can now catch the latest podcast episodes on a Monday morning via your favourite podcast app.  But don’t worry, if you prefer to watch your podcasts, each episode will be going live on YouTube every Sunday so you can unwind, put your feet up with a brew and get ready for the week ahead. And don’t forget about our weekly free webinars where you can learn everything you need to know about investing in property in just 30 minutes and walk away with plenty of free resources after the session to continue your learning.   Hub extra We’ve got a new podcast recommendation for you this week. No, don’t worry, Rob & Rob haven’t started another podcast, but this one is from someone who often makes an appearance on The Property Podcast.  You may remember Sarah who’s one of the investors that we try to catch up with at least once a year to find out how her investment journey is going.  Well, she now has her own podcast called ‘Conning The Con’. It’s all about conning a con artist and it’s a super entertaining 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.
11/02/2122m 21s

ASK271: I’ve had great growth - now should I sell or rent? PLUS: How do I get a job in lettings?

Welcome back to another fun filled episode of Ask Rob & Rob. We’ve got another two great questions to answer, so let’s get stuck in. First up we’ve got Des who has a question about a property he already owns.  He previously bought it 15 years ago for around £80,000 and it’s now worth around £200,000.  The property is currently mortgaged at £150,000 as Des has previously released equity to invest elsewhere.  Des wants to know whether, after such good growth, he should sell it or rent it out?  The next question is from Imran who’s looking for a helping hand in getting his foot in the door of a letting agent.  He’s currently studying for a property qualification but has had no luck so far with the jobs he’s been applying for.  So naturally, he’s turned to Rob & Rob to see if they have any advice on how he can stand out from the crowd when trying to get a job in lettings. If you’re in similar positions as Des and Imran, then this is an episode for you.   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.
09/02/218m 29s

TPP412: February Market Update

Here’s what the February market update has in store for you Hold onto your seats because this February market update is a good one. Just to give you a taster of what’s to come on this week’s episode, The Robs have got some mortgage news, they’re discussing the best performing cities of 2020 and they’ve got positive news on the cladding crisis.  Certainly topics you’ve all been waiting to hear about for a while so let’s get stuck into the February market update. Here’s what to expect on this week’s property podcast episode Even though it’s only been a few weeks, there’s a lot to cover in today’s update.  Rob & Rob kick things off by taking a look at the December Hometrack report which covers the whole of 2020. To everyone’s surprise, house prices were up by 4.3% which is a huge increase.  The Robs are also talking about: Top performing cities of 2020 Falling city rents More mortgage products Stamp duty Cladding Scottish Help To Buy And naturally The Robs will go into depth on each topic so we won’t give too much away. Make sure you tune into the February market update.   Free education If you’re looking to get started on your buy-to-let journey, or are wanting a refresher of the basics then we’ve got just the thing for you.  Every week we host a number of free webinars at different times to suit your schedule. You can learn everything you need to know about investing in property in just 30 minutes. Plus, you’ll also walk away with plenty of free resources after the session to continue your learning. Make sure you book your free virtual place today to get started. We look forward to seeing you there.   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.
04/02/2117m 48s

ASK270: How do you repay an interest-only mortgage? PLUS: Is a periodic or fixed-term contract better?

This week on Ask Rob & Rob we’ve got a question on mortgages and another question on tenancy agreements..  Our first mortgage related question comes from Martin in Ireland.  Martin is wanting a bit of advice on interest-only mortgages. He’s looking to purchase his first property with an interest-only mortgage as he knows he’ll have more of a monthly rental income.  However, he’s a bit unsure as to how he actually pays that loan back in the long-term, say 20-25 years down the line.  Ideally he would like to allow his rental income to accumulate so that he can purchase a second property and keep that cycle going to build up a portfolio.  But he’s concerned that when it comes down to it, he’ll have several mortgages he’ll need to pay off and isn’t sure how he’ll do it.  Next we’ve got Luke who’s in Hong Kong! He’s just about to complete on his third buy-to-let property in the UK and is wanting some advice on tenancy agreements. Luke wants to know if after a fixed-term contract is up, should he allow the tenancy agreement to roll over to a periodic tenancy, or should he renew the fixed-term contracts every time?  He’s wondering if there are pros and cons to both or if one is better than the other. 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.
02/02/219m 52s

TPP411: The best places to invest in 2021

Where are the best places to invest in 2021? It’s one of our favourite podcast episodes of the year... where should you invest in property 2021? We do it every year - and this year is no different. Rob & Rob are sharing their best places to invest in property in 2021 and there’s even a few surprises thrown in there. Here’s what to expect on this week’s property podcast episode We’re doing things a tad differently this year.  We usually unveil the top five cities we believe investors should be investing in. But this year, we’re giving you what we think are four safe bets and four outside picks, just to keep things interesting.  So here they are: Safe bets: Nottingham Liverpool  Leeds Greater Manchester Outside picks: Home counties Sheffield Belfast Derby We recommend particular areas through thorough research and due diligence. And while we’ll be focusing our own investment efforts here and sourcing deals for our Property Hub Invest clients in these locations, that doesn’t mean they’re the right places for you.  We recommend that you do your own research before committing to any investment. So, there you have it. Make sure you tune into the podcast to find out why Rob & Rob have chosen these locations to invest in this year.    In the news This week’s news story comes from Rightmove saying, ‘housing market sees busiest ever start to a year’.  Even despite the stamp duty holiday, this is still very impressive with Rightmove recording a 30% increase in just website visits compared to last year.  Not to mention people contacting estate agents about a property to buy is also 11% higher than at the start of 2020, and those enquiring about a property to rent is up by 22%. Certainly a very encouraging sign for the housing market at the beginning of a year.   Hub Extra If today’s podcast episode on where to invest in 2021 wasn’t enough for you then you’re in luck. We’ve also got a YouTube video sharing our 2021 hotspots and The Robs have covered them in a slightly different way - and there’s plenty of people getting involved in the comments.  So make sure you go give that a watch as well.   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.
28/01/2123m 44s

ASK269: I want to buy a home but I’m scared of a crash! PLUS: Do you contribute to your ISA?

We’re back again this week with another two fantastic questions from our podcast listeners.  First up we’ve got Arthur.  Arthur is looking for advice on purchasing his own residential property and getting a lodger to live with him. He’s thinking about leaving London and moving to Manchester where he can afford a two-bedroom terraced house.  However, he keeps waiting for prices to drop or for there to be a crash, but since this is going to be his residential property, should he not care as much? He wants to know if he should just go for it now, but is concerned that as soon as he does there will be a crash.  Hopefully Rob & Rob can help him with this one. Our second caller this week is Will who’s got a bit of a personal question for The Robs.  Obviously, Rob & Rob are massively into investing in property, but he wants to know if either of The Robs put money into their tax free ISAs?  Does Rob D just stick to property or does he do both? 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.
26/01/218m 46s

TPP410: Our ultimate list of business resources

What are our go to business resources? Everyone always loves the episodes where we share our business resources and this week we’re going bigger and better.  There are so many business resources we’re covering in today’s episode that they might just see you through to the end of lockdown. They’re all ones that you can use and implement straight away, so let’s get going! Here’s what to expect on this week’s property podcast episode As you should know by now, we’re starting a new business - our biggest project to date. And alongside this, we’ve created a new podcast - Any Other Business.  So today we’re keeping this podcast episode focused on… you guessed it - business!   Rob & Rob are sharing the business resources they use themselves, and ones which will help them on their new business journey.  We’ve got loads to get through so let’s get going. Getting started The $100 Start Up - Chris Guillebeau Tropical MBA - Podcast Google Workspace Marketing OKdork.com by Noah Kagan Digital Marketer Podcast Fiverr.com  Sales The Ultimate Sales Machine: Turbocharge your business with Relentless Focus on 12 Key Strategies - Chet Holmes Pipedrive Trello Customer service Delivering happiness A Path to Profits, Passion and Purpose - Tony Hsieh Zendesk or Helpscout People Powerful - Patty McCord Upwork.com Finance The ultimate blueprint for insanely successful business - Keith J Cunningham Xero Starling Operations Traction - Gino Wickman Rockefeller Habits So, there you go, plenty to keep you busy and focused. And you’ve got a load of resources to help you build or scale your business.     In the news A record number of buy to let landlord companies set up. A pretty positive headline to start the year, so where have they all come from? According to research from Countrywide agency Hamptons, 41,700 new buy-to-let limited companies were set up in 2020. Which turns out to be a new record in a single year and a 23% increase on 2019.  Probably not a surprise considering the stamp duty holiday that came into play, saving buy-to-let landlords a small fortune.   Hub Extra If you’re wanting to learn more and get an inside perspective on what it takes to start and grow a business, then make sure you’re subscribed to the Any Other Business podcast.  And don’t forget about our YouTube channel where you can watch the raw emotions of Rob & Rob as they take you on this journey with them.   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.
21/01/2131m 5s

Introducing Any Other Business

Rob & Rob give you... Any Other Business We know you’ve come to know and love The Property Podcast. We’re over 400 episodes in and have spent years dedicated to dishing out all the need-to-know information on investing in property. And now we’re taking it up a gear and have launched a brand new show…  Any Other Business. You’ve learnt, or still are learning, everything there is to know about investing in property, but why not tie that in with building and growing a successful business? After all, the two go pretty much hand-in-hand and that’s where Any Other Business comes in. What is Any Other Business? There’s plenty of podcasts out there that share how to start a business. Our social media feeds are full of success stories and extravagant luxuries from those who’ve made it.  But nobody is telling the truth. Or sharing the grit and hard work it takes to get that success. We simply get the highlight reel.  That’s why we launched Any Other Business - it’s your brutally honest insight into what it takes to grow and scale a business - warts and all. You’ll hear the highs, the lows, the million pound mistakes - and everything in between as Rob & Rob prepare to make their most audacious move in business yet.  What we’ve got coming is game changing! And we want you to join us for the ride.  So buckle up, settle in, and make sure you’re subscribed to our YouTube channel because this is also our first video podcast.  That’s right - you can listen to us via your fave podcast apps and also WATCH us on our new channel.  It’s going to be one exciting journey and we’re really looking forward to having you join us every step of the way. Here’s the link you need to find all your favourite channels - so get subscribing to be the first to know when new episodes drop.  https://aob.show/    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.
20/01/211m 37s

ASK268: Is lack of supply the cause of high prices? PLUS: How many properties should I buy with my £100k?

This week on Ask Rob & Rob the guys are talking about the supply and demand of property, and they’re spending £100k of someone else's money!   Kicking us off this week we’ve got Jonathan from Manchester.  He’s wondering if The Robs have read the UK Collaborative Centre for Housing Evidence and their article on tackling the UK housing crisis.  Since reading the article Jonathan is wanting to know if the 300,000 a year housing supply target is actually the real rise in house prices or if it’s actually mostly down to interest rates? Do Rob & Rob think that the lack of supply is the real reason for higher property prices? The second question this week comes from Mary who’s new to the property podcast. Mary and her husband were looking to purchase their first property at the beginning of the first lockdown. Since then it’s fallen through due to Covid-19 so now they’re reconsidering everything.  They have a deposit of just over £100,000 and they were going to put that down towards their first residential home.  Now, they’re considering splitting it possibly two or three ways and buying a property in each of their names, one dream home and two buy-to-let properties. However, they’re currently unsure about the market and if buying a house each would have an effect on their first time buyer status, or if there would be a tax implication? What do The Robs think Mary should do? 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.
19/01/217m 26s

TPP409: January Market Update

Here’s what the January market update has in store for you  It feels like we’ve been waiting forever for this January market update.  Could that much have changed in the market during the quietest month of the year?  Well, we’re about to find out. Here’s what to expect on this week’s property podcast episode The January market update is a jam packed one. If you thought that the property market was going to take a few weeks off and a wind down for Christmas, you were wrong. There’s actually loads to get through today as well as some big news stories. Here’s a quick insight as to what’s going to be covered on the January market update: Stamp duty  The impacts of lockdown Big reforms around leasehold  Plus so much more but we won’t spoil it all for you.  Make sure you tune into the January market update.   Exclusive! Last week we teased that we were launching a brand new podcast - and we promised we’d reveal it all today.  So, here we go! The name of the new show is… Any Other Business. A whole podcast to do with the ins and outs, ups and downs of what it takes to build and grow a successful business.  From here on out, Rob & Rob are going to take you on their journey as they grow Property Hub and take the business to the next level. And that next level is GAME CHANGING!  And what’s more… it’s a show you can watch on YouTube too!  Watch the trailer now - it’s just gone live!  While you’re there, hit the subscribe button and turn on notifications so you don’t miss our first episodes going live tomorrow.  We’re beyond excited about this new podcast and we’re really looking forward to having you join us every step of the way.   Hub Extra There’s only one possible thing that we could recommend for this week’s Hub Extra and that is, of course, our brand new website. If you’d like to check out Any Other Business, you’ll be able to find links to all your favourite podcast providers and listen to the podcast directly there. Please feel free to give us your feedback and thoughts.   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! See omnystudio.com/listener for privacy information.
14/01/2117m 21s

ASK267: The estate agent says I can’t view without giving them a bank statement – is this right? PLUS: Should I increase the rent again?

Rob & Rob are back this week with another two amazing questions, one that we can’t even believe was an actual question! Our first caller this week is Kathy who has a question on viewings and proof of funds.  An estate agent has told her that she can’t view a property unless she gives them proof of funds.  Erm, excuse us, what?! Naturally she’s a bit apprehensive about this and rightly so because sending over a bank statement is highly confidential. She’s also worried that if she views multiple properties with multiple estate agents she’s going to have to do this every time.  Is this a normal thing or should Kathy look for a different estate agent? The second caller this week is Fabian.   He’s the owner of a buy-to-let property in Nottingham and he currently rents it out at £750 pcm.  Fabian thinks that he’s actually renting this property on the low side as other properties within the area are going for £800 pcm plus, his property is fully furnished.  So he wants to know what Rob & Robs thoughts are on increasing the rent, especially in the current climate - and considering his tenant always pays on time and hasn’t had any faults.  Should Fabian increase his rent for the second time in a year during a pandemic?  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.
12/01/217m 52s

TPP408: 2021 Predictions (plus major podcast announcement)

It’s time for Rob & Rob to reveal their 2021 predictions It was only right that The Robs kicked off The Property Podcast this year with their 2021 predictions.  Will this be another year where there’s a complete curveball that no one expects to throw them off track, or will this be a more ‘normal’ year? Here’s what to expect on this week’s property podcast episode If you listened to the 2020 predictions reviewed podcast episode you’d have probably wondered why Rob & Rob are putting themselves through it again this year.  Well, they just can’t help themselves.  Here’s what Rob & Rob’s 2021 predictions consist of: Top performing cities London The UK as a whole The base rate The stock market / FTSE 100 Bitcoin Will the Olympics go ahead? So there you have it! Do you think Rob & Rob will be right or wrong about their 2021 predictions by the end of the year? If you’ve got your own predictions, head on over to the forum or socials and let us know.    Exclusive! Something big is coming! If you were still in a Christmas food coma when we announced this in December then NOW is your chance to get caught up.  Rob & Rob are launching another podcast!  You’re probably thinking, ‘how much more can they possibly have to say about property?’.... Well, we can’t say too much right now, but we can tell you that it’s got nothing to do with property…   Hub Extra It’s nothing new but certainly something that you need to be subscribed to.  And that’s our YouTube channel.  We’ve set our sights high for the year of 2021, but our YouTube channel is about to reach a whole other level!  We’ll be bringing you a lot more video content than we’ve ever done before. And if that wasn’t enough, you’re going to want to be subscribed so you get the first look at the new podcast we’re launching! So make sure you go subscribe and turn on post notifications.   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.
07/01/2120m 24s

ASK266:I’ve had a huge down-valuation – what can I do? PLUS: Will Radon affect my remortgage?

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.
05/01/217m 54s

TPP407: Reflecting on 2020

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.
31/12/2014m 59s

TPP406: 2020’s must listen to episodes

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.
24/12/2010m 35s

TPP405: 2020 predictions reviewed

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.
17/12/2021m 54s

TPP404: Our top resources of 2020 (podcasts, books and tech)

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.
10/12/2034m 1s

ASK265: A very special caller asks...what’s in store for next year?

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.
08/12/205m 54s

TPP403: December Market Update

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.
03/12/2013m 41s

ASK264: Does rental income or capital growth give the biggest gains? PLUS: What’s the minimum yield I should accept?

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.
01/12/206m 52s

TPP402: 3 property investors tell us about investing during the year of Covid

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.
26/11/2023m 46s

ASK263: What are my options if the market falls? PLUS: Will high-LTV mortgages come back?

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.
24/11/208m 58s

TPP401: What are property funds and why do they attract billions of investment? (Plus: CGT bombshell?)

What are property funds and how do they work? Investing through a property fund allows you to invest in a property without having to fully buy it or go through any of the rigmarole that comes with buying a property. Sounds like a win win situation right? We’ve managed to go 400 episodes without talking about property funds.  Until now.  You might be listening to this thinking that you’re never going to have the funds to be able to invest in property, but you’d like to make a better return than leaving it sat in the bank.  Or maybe you’re already a property investor and are getting a bit fed up with how much time and effort it takes and would like something a bit easier. Well, a property fund might just be the thing you’re after. Here’s what to expect on this week’s property podcast episode There’s a lot to get into on today’s episode to give you as much information as possible on property funds.  So, just to give you an overview, here’s what Rob & Rob will be discussing today: What is a property fund? Why invest in a property fund? What types of property can you invest in? Why not to invest in a fund What are the types of property funds? How to pick a fund This could well be an eye opener into a whole new world of investment opportunities for you.  But like with any type of investment there’s pros and cons to both. So we recommend listening to this episode a couple of times and doing some further research to really get a solid understanding of property funds.   In the news Over the past number of years landlords have been hit time and time again by changes to taxes, meaning they pay out more and more each year.  After so many changes you’d think it was about time that landlords were given a break and nothing else could rock the boat.  Well, enter Rishi Sunak and his increase to capital gains tax.  Now these are proposals and nothing has changed just yet. However if this does come into play, the government wants capital gains tax to be in line with income tax bands.  There’s still plenty to come out about this and whilst it doesn’t specifically target landlords and property investors, it wouldn’t be a good result for any investor. So, The Robs will be covering this in depth on the next Market Update when more has unfolded on the topic.   Hub extra This week’s Hub Extra resource is another podcast for you to listen to. Now Rob B has only listened to one episode so far but he highly recommends it based on that episode.  The podcast is called Boldt Flavours and it’s from the founder of Gousto, Timo Boldt.  On the podcast he interviews different people every week and in the first episode he interviews Joe Wicks.  You might be surprised that this episode wasn’t based on food, or cooking or exercise, but about how Joe Wicks grew his business.  And you know how much we love a business success story.   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.
19/11/2024m 10s

ASK262: Should I use bridging or a mortgage for this project? PLUS: How do I fire my agent?

Last week we had a question on using bridging finance and this week on Ask Rob & Rob we’ve got another. Kicking things off this week is Marika. The strategy she’s looking at is flips. So she’s looking to purchase a property that needs a substantial renovation before selling it once the work is completed. She’s been looking at getting a bridging loan, however she’s worried that once the refurb is complete, the market will collapse. By which point she won’t be able to, or want to, sell the property and getting a buy-to-let mortgage might be difficult.  So, right now should she be looking at a standard buy-to-let mortgage instead of a bridging loan?  Next up we’ve got Claire.  Since listening to The Property Podcast Claire has taken the plunge into the property investment world and has acquired three properties over the last 18 months - well done, Claire! Claire self manages the most recent property and the other two are with a management company. However, she’s come to realise after speaking to her tenants that the management company aren’t handling things in the correct way. So now Claire wants to take on the other two properties and self manage them all.  But, how does she go about relieving the management company of her two properties without getting into a legal battle or being held liable for anything? Can Claire just simply fire her management company or is there a specific protocol she needs to follow? 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.
17/11/208m 38s

TPP400: Our investment journeys: Surprising changes and why you need to adapt

It’s episode 400! So we’re taking a look at Rob & Robs property investment journeys The Robs property investment journeys have been going for much longer than 400 episodes. But what have they experienced along the way?  Luckily for you, The Robs are sharing their investment journeys with you as well as their experience.  So when you make your own mistakes, not only will you learn from them, you’ll also profit from them. Here’s what to expect on this week’s property podcast episode  Not only are Rob & Rob sharing their personal story and what they’ve learnt, they’re also taking a look at what’s changed in the property market over the last eight years. When you hit a milestone like 400 podcast episodes, it’s a good time to reflect and take a look back on where you’ve come from.  So here’s what The Robs are taking a look at in this week’s episode: The 18-year property cycle Is the 18-year property cycle still on track or will there be a crash in 2021? In this past podcast The Robs shared how to predict future property prices. Is that still the case? Never sell a property  In the early days of The Property Podcast this was a firm opinion of Rob & Rob. You can even listen to that podcast episode here.  Even Robert Kiyosaki said the same thing not so long ago on The Property Podcast. Is that still the case? Plus… Rob & Rob will also be discussing assets and the top performing cities. What were they 400 episodes ago and what are they now? Tune in to find out.   In the news This week we’re talking about what others seem to have missed:  ‘Bank of England pumps more stimulus into economy in bumper QE round’. Another £150 billion of QE has been pumped into the economy which is just crazy. Back in 2009 of the financial crash, £200 billion of QE was put into the economy, and we all know how bad we thought that was.  In total, the amount of QE in 2020 as a response to the Coronavirus pandemic has totaled £450 billion.More than double the amount of the 08/09 financial crisis!  We can’t get over why this hasn’t been made more of a big deal.  If you’re interested in QE then go back to this podcast episode where Rob & Rob discuss how it impacts property prices.    Hub extra This week for Hub Extra, we’ve got a bit of a follow on.  Previously Rob D has recommended a book called ‘A Bit of a Stretch’ by Chris Atkins which took the title of his favourite book of the year. But now there’s a new podcast with the same name and on the same topic. So, if you didn’t read the book, give ‘A Bit of a Stretch - The Podcast’ 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.
12/11/2022m 39s

ASK261: Should we remortgage our home to raise investment funds? PLUS: Is £20k enough to get started with?

It’s Tuesday and that means The Robs are back for another episode of Ask Rob & Rob. First up this week we’ve got Jason and Stacie. They’re considering setting up a limited company with the goal to have around 20 buy-to-let properties in six to eight years. They want each property to bring in a £200 profit, once they’ve deducted all costs from the income. At the moment they have £10,000 in savings and their own residential property where they owe £72,000 on their mortgage, and the property has been valued at £120,000.  They’re wondering which option is best for them. Remortgaging their home to release the equity, or use that equity as a deposit for bridging finance and remortgage the buy-to-let property, in order to repay the bridging finance? Now we know Rob & Rob are all about using leverage, but what do they think about bridging finance? Our second question this week is from Dave. He’s doing the background work on wanting to buy his first property investment and he wants to know if £20,000 is enough money to get started? However, he’s wondering if this is even realistic as even the cheaper properties require refurbishing which naturally costs money.  So, is it possible to start your property investment journey with £20,000? 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.
10/11/208m 53s

TPP399: November market update

Here’s what the November market update has in store for you Lockdown begins. We all go on a mortgage holiday. Boris promises a new mortgage product. Surveyors downvalue properties by 20%, but the experts say the market is on the up!  And that’s not even the half of it.  There’s so much to cover on the November market update, we could be here all week.  Here’s what to expect on this week’s property podcast episode To wet your taste buds, here’s a brief overview of what Rob & Rob are discussing on the November market update: The new lockdown Extension of the mortgage holiday Evictions have been delayed again Boris is bringing back 95% mortgages  Stamp duty backlog  Down-valuations House prices Lloyds house price forecast  There’s certainly plenty to get through this month. So make sure you’re comfy as we dive straight into the November market update.   Coming soon We’re excited to announce that from next week we’ll be bringing you brand new weekly webinars that are completely free.  These webinars cover everything you need to know about getting started in property.  You may be thinking, ‘how is this any different to all the other free content you’ve shared around this?’ Well, these webinars will bring you a framework to work off and give you the opportunity to ask questions you’ve always wanted answering.  If you’re new to property and are wondering how you get started, or even if you’ve been doing it for a while but feel like you’re lacking direction and strategy, this is the webinar for you.  It covers everything you could possibly want and need to know. They’ll be running three times a week at various different times so you’re bound to find a time that suits you.  If you’d like to secure your free virtual place for next week, go and do it right now, 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. See omnystudio.com/listener for privacy information.
05/11/2018m 26s

ASK260: Has the mortgage market changed or am I just unlucky? PLUS: I want to buy in London, but I know it’s not the best investment – what should I do?

Welcome back to another fantastic episode of Ask Rob & Rob! Kicking off the podcast this week we’ve got Alex from London who has a question regarding mortgages.  She’s been struggling to get one at a 75% loan to value rate. Her broker has informed her that’s where the market is at and she’ll have more options at 70%. Is this the case, or is her broker steering her in the wrong direction? Next up we’ve got Rosa who has a question about buying in London. She knows that she 100% wants to own her own property in London as that’s where she was born and raised.  However, she’s aware that investing in London probably isn’t the smartest of moves right now.  So, can Rob & Rob offer Rosa some advice on a compromise between getting what she wants and making a smart investment? 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.
03/11/206m 42s

TPP398: Getting your property let during lockdown

Getting your property let is key to being a successful landlord  But when it comes to getting your property let during lockdown, that’s a bit trickier.  So why not try and turn this situation on it’s head and make the most of a bad situation?  We’ve said it before and we’ll say it again... in times like this you need to innovate and adapt to the challenges you face. You need to work smarter and harder.  And, if you do this now and continue to do it when the world goes back to some form of normality, you’ll be in an even stronger position.  Here’s what to expect on this week’s property podcast episode  If you’ve got a property that you’re struggling to get let, or you’ve just had a tenant that’s handed in their notice, fear not.  This week on The Property Podcast, The Robs are giving you their tips and tricks on getting your property let, each and every time.  In this episode the guys are going to take a look at what you need to do before, during and after marketing your property.  Keen to find out what the top tips are for getting your property let? Tune in to find out.   In the news  If you’re not a fan of fury friends then you may not like the news story we have for you this week.  ‘MP launches Bill to outlaw pet discrimination by landlords’. The aim behind this Bill is to stop landlords from outright refusing a tenant application who owns a pet. Now they’re not saying you have to allow people with pets, but you will have to consider them like you would anyone else. As you can probably imagine, this hasn’t gone down too well with landlords. In some cases, landlords would charge a higher deposit to a tenant with pets in the event of any damage.  But now you can’t even do that due to the five week deposit cap. Whether or not this Bill will pass, we’ll just have to wait and see. In the meantime, there is a thread on this topic over on the forum so make sure you head over there and give your views on the matter.    Hub Extra  This week, Rob B has got a couple of book recommendations for you.  These books are ideal for anyone who runs a business, is high up in a business or just simply wants to understand business.  They are, Rockefeller Habits and Delivering Happiness.  Both books are very different. Rockefeller Habits will give you an idea on how to run a business and Delivering Happiness will guide you on how you can deliver a great service.    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!  See omnystudio.com/listener for privacy information.
29/10/2021m 55s

ASK259: My house isn’t selling – should I cut the price? PLUS: Will cladding issues affect my remortgage?

Welcome back to Ask Rob & Rob! It’s Tuesday, and that means we’ve got another two property questions that need answering. First up this week we’ve got Pauline from Gothenburg in Sweden!  She has a property in the UK which she purchased 5-6 years ago thinking it would be her forever family home.  The property is in a rural part of Scotland where demand isn’t that high in terms of renting or purchasing.  It’s been on the market since the beginning of lockdown and it’s just not selling. The agent has now suggested that Pauline turn it into a rental.  However, she already has four other rental properties in other parts of Scotland that have the fundamentals, whereas the location of this property, doesn't really have the rental fundamentals needed to make it a success.  So now she’s wondering if she should drastically drop her asking price and take a loss, or if she should put it on the rental market?  Next we’ve got Jeremy who’s got a concern about his potential remortgage offers.  He’s got a couple of apartments in developments that have cladding issues, following on from the Grenfell disaster.  Now Jeremy is wondering if the cladding is going to cause issues for him, should he want to remortgage?  More so if he’s looking to pull money out of the properties and refinance.  So, will cladding issues affect the ability to remortgage? 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.
27/10/206m 38s

TPP397: We reveal the area with the worst rental arrears in the UK (and two big news stories)

What impact has coronavirus had on rental arrears? It’s safe to say that coronavirus has had the opposite effect on house prices than what we originally thought it would. But what about rental arrears?  Understandably, tenants have struggled more than ever to pay their rent. The government has even put in considerable measures to stop you from taking action against those tenants.  But what impact has the coronavirus actually had on rent arrears? Here’s what to expect on this week’s property podcast episode There’s been a lot of contradicting surveys out there which makes it harder to actually know what the real impact has been.  But Rob & Rob have recently come across a report from Pay Prop which gets into this data - and that’s what The Robs are going to be picking apart. The data looks at actual transactions from thousands of different tenants, so you can guarantee it to be more reliable than the numerous surveys asking landlords for their individual thoughts.  While the effects of coronavirus are being felt across the country, this led us into looking at tenant arrears as a whole.  If you’re a long-time listener, you’ll know that choosing where to invest is one of the most important things you need to consider when investing in property.  Because, believe it or not, there are a few areas in particular where a huge one in four tenants are in arrears.  Where are these areas?  That’s exactly what Rob & Rob are discussing on today’s episode.  Tune in to find out.   In the news  Maybe it’s the time of year, but we’ve come across one news headline that’s terrified us. ‘Boris Johnson’s 95% mortgages will put Britain back on course for a house price crash’. Like Rob B, many others thought it was going to support the market when in actual fact it’s going to cause a crash! However, like all good headlines, there is one major factor that The Guardian have missed out of this story.  The fact that 95% mortgages will first bring about a property boom and then a crash.  Which shouldn’t surprise you if you know how the 18-year property cycle works. There’s a crash after every boom. If that wasn’t enough, we’ve found another headline which might not seem as interesting, but has the potential to be a bigger story.  ‘John Lewis to build and furnish private rental properties’. The standard of the rental market seems to constantly be upping its game. And it seems that John Lewis wants a piece of the pie. The owners of the company also own Waitrose and therefore already own a lot of land and they want 40% of their annual income to come from somewhere other than retail. Hence why they’re turning to property.  Not only will all properties be furnished with John Lewis furniture, there will also be a food delivery service for tenants from Waitrose.  These are certainly going to be high-end properties.   Hub Extra  Do you hate cookies?  No, not the biscuit kind. The ones that pop up on every website you visit. Well, so does Rob B and after moaning about it to Rob D, he was introduced to this nifty little tool.  It’s a browser extension called I don’t care about cookies. It works across all major browsers, simply just install it and the majority of those annoying pop ups will be blocked.  So now the only cookies you need to concentrate on are those that you’re dunking into your brew.   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.
22/10/2019m 30s

ASK258: How can I get a buy-to-let mortgage with no income? PLUS: Is Cardiff good for property investment?

This week on Ask Rob & Rob we’re talking about buy-to-let mortgages with no income and whether Cardiff is a good investment hotspot.  So, our first question this week is from Michelle.  Michelle and her partner now have the money to invest in property and they think that now or January 2021 is the perfect time to purchase their first buy-to-let property. They’re not currently married and at the moment Michelle is a stay at home mum, but she does have a professional background.  She doesn’t have a mortgage in her name, so therefore thinks it makes sense to put the investment property in her name to avoid stamp duty costs. Her partner is also a 40% tax payer so it also makes sense for the rental income to come through Michelle.  But what Michelle now wants to know is, how can she get a mortgage without an income? Is it even possible? The second question this week has come in from Alex. He currently lives and invests in Cardiff as he believes it has all the fundamentals.  Alex has noticed that Rob & Rob have never touched on Cardiff, or any city in Wales for that matter, on any of the podcasts.  So he’s now wondering if that’s because The Robs don’t see Wales as a good investment location, or just because there are better opportunities in other cities.  Do Rob & Rob just not like Wales? Or is there a reason they’ve never chosen a Welsh city as one of their property hotspots? 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.
20/10/206m 23s

TPP396: How your ego is sabotaging your property investment dreams (and what to do about it)

What is delayed gratification?  Back in the 1970’s a psychologist named Walter Mischel performed an experiment on children to monitor their behaviour.  He placed a marshmallow in front of them and told them if they didn’t eat that marshmallow by the time he came back in the room, they could have two.  You may have seen something similar doing the rounds on social media with parents trying a temptation test on their children.  The idea behind the experiment was to see if the children could resist having something pretty good right now, to gain something even better in the future.  That’s delayed gratification.  Here’s what to expect on this week’s property podcast episode  Believe it or not, delayed gratification plays a part in investing today. It means having money now, and not spending it so your life can be better in the future.  So in this week’s episode The Robs are going to share some real life examples of why it can be damaging not to delay gratification, and are also sharing their thoughts on how you can do it more successfully.  In these real life examples we’ll hear about one family who spent every penny they had coming in.  They would buy fancy cars, live in a big house, go on expensive holidays, but they didn’t have a savings pot for a rainy day.  On the other hand we have a guy who’s worked hard for eight years and sometimes thought about giving up. But he didn’t, he persevered and now he has his 10th property and is financially independent.  How can delayed gratification affect your property investment dreams?  Unfortunately, the majority of the country works like the first example.  We want everything handed to us, we want things quicker and we want them now. A lot of us aren’t willing to wait for the things we want, we’re a pretty impatient generation.  And of course, social media can play a big part in this. You may see someone on social media that’s living out your property investment dreams, or it at least looks that way. But it might not actually be true.  Sometimes your ego can get in the way of this. You may feel like you’re in competition with other people who are doing the same thing as you. And that’s where your downfall will be.  So, how can your ego and delayed gratification affect your property investment dreams?  Tune in to find out.   In the news This week we’ve got two news stories for you that we couldn’t not talk about.  The first is ‘Boris Johnson plans 95 per cent mortgage scheme’. In the latest conference a few weeks ago Boris Johnson seemed to put property at the top of the agenda and introduced generation buy.  In a nutshell, this seems to be a rebranded Help to Buy scheme trying to encourage mortgage providers to offer 95% mortgages.  The second news story we wanted to share is ‘House prices soar by 7.3% in September’ from the Halifax. This is the steepest annual increase since June 2016 according to their latest index. It’s absolutely bonkers that this is happening during a pandemic and we’ll certainly be going into more detail on this in the market update in a few weeks time.   Hub Extra For Hub Extra this week we’ve got a quote that ties in pretty well with today’s podcast topic and it’s from Abraham Lincoln. ‘Discipline is choosing between what you want now and what you want most’. It’s all about what you want the most in the world and if you’re able to make short term sacrifices in order to obtain the thing you want the most.    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.
15/10/2023m 28s

ASK257: Is now a good time to move my property into a company? PLUS: Is Huddersfield a good investment area?

Welcome back to another episode of Ask Rob & Rob. First up this week is Matt from York. He’s a long-term listener and has finally got in touch to ask a question around stamp duty. Matt has a couple of houses that are currently under his personal name. So he’s wondering if now would be the ideal time to move those properties into a limited company?  The reason for this is that stamp duty is currently at its lowest and he’s wondering if it will be beneficial to move his properties into a limited company. Our second caller this week is someone we’ve called Samuel.  Unfortunately Samuel invested a lot of cash into his property education and has found that he’s not getting much more from that than what he’s getting for free from Property Hub.  After looking into the hotspots that we recommend, he’s wanting to know why Rob & Rob have never recommended Huddersfield as a place to invest?  There’s a university, the prices are pretty good and with the current market, he’s wondering if The Robs think now might be a good time to target Huddersfield?  So, do Rob & Rob think now is a good time to be moving your property over to a limited company? And do they think you should consider investing in Huddersfield? 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.
13/10/206m 25s

TPP395: Why is the conveyancing process such a nightmare? A solicitor responds

Solicitors. Can’t work with them, can’t work without them Believe it or not, solicitors are incredibly important to the success of your property investment journey.  So this week we thought we’d get a solicitor onto The Property Podcast to discuss what makes a great one.  You’ll also gain an insight into what actually happens during the conveyancing process and what you can do to make it go smoother. The Robs will also be discussing how you can make your investment journey a lot easier.  Here’s what to expect on this week’s property podcast episode The process of making a property purchase isn’t exactly the easiest or most glamorous of processes.  The conveyancing process can be long, frustrating, confusing and sometimes even leave you feeling like you’re going to lose out on your deal.  Solicitors quite often get a bashing in their line of work. And we’re holding our hands up, in the past we’ve said some uncomplementary things.  So this week on The Property Podcast we’ve got solicitor Afsheen Nasr who is a partner at Ronald Fletcher Baker to come and defend solicitors everywhere.  This episode is to give you a clearer understanding of what goes on during the conveyancing process and why it can take so long.  There’s actually some pointers for what you can do as a proeprty investor to speed up the process from your end.  As you’ll be aware, being able to complete on a property quickly can be a huge bargaining chip when negotiating.  Is a rapid conveyancing process even possible?  Tune in to find out.    In the news  It’s that time again, August’s Hometrack report has been released. As The Robs predicted at the beginning of the year, Manchester and Nottingham are at the top with an incredible 4% year-on-year increase.  Considering the year we’ve had, the data is actually telling us that it hasn’t been too bad. It definitely could have been a lot worse! It’ll be interesting to see what happens in the last quarter of the year.   Hub Extra This week’s Hub Extra tool might be something that you’re already using or something you’ve never even heard of. It’s IOS Shortcuts.  If there are certain things that you use all the time on a daily basis, instead of scrolling through to find the app, you can just click on the shortcut.  It’s incredibly handy and really time efficient.  And if any Android users thought they were getting left behind, Rob D has found you a similar tool to implement if you watch tutorials on YouTube.    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.
08/10/2025m 35s

ASK256: How much discount should I ask for? PLUS: Why would anybody buy a property with a regulated tenancy?

It’s Tuesday, so naturally that means The Robs are on hand.  The first question this week comes from James from St Albans.  He’s a new listener and has been bingeing all of the past episodes.  He’s been looking at new developments in key locations and gets the impression that they’re open to offers.  So now he’s looking to find out what Rob & Rob think would be a reasonable starting point for trying to negotiate a discount. And for others wondering the same, we’ve got a handy video on negotiating a discount on a property right here. Also, some of the developments he’s been looking at have fantastic on-site amenities, which in turn means they also come with a higher service charge fee.  James is wondering if he should be concerned about these charges or if they’re generally covered by the rental income?  Our second question this week comes in from Kathy who has a question about regulated tenancies.  She’s wondering why anyone would want to buy one as she seems to think that it means you can’t get rid of tenants if they stop paying the rent.  She’s seen some selling at auction for quite a bit over the asking price so she’s wondering if they’re a good type of investment or she should stay clear? What do Rob & Rob think of properties with a regulated tenancy? 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.
06/10/209m 23s

TPP394: October market update

The market update is back There’s loads that’s been happening in the past month that affects both property and the economy.  Which is great for us as that means this is going to be a jam packed episode. This month on the market update, Rob & Rob are going to be delving deep into: Inflation Interest rates  Evictions Property prices Here’s what to expect on this week’s podcast episode  The government has announced that there will be no autumn budget. This is because things are constantly changing and it’s impossible to know how much they’re going to be spending.  This is actually a good thing for property investors as a few people were worried about capital gains tax.  Instead of the autumn budget, the Chancellor has announced that there will instead be the winter economy plan. This will revolve around additional support measures from the government.  The VAT cut for the hospitality and tourism sector has been extended until March - which is a positive for businesses that have been hit hard.  That’s just a teaser of what’s in-store for you today. There’s plenty more where that came from, so make sure you tune in!   The Property Hub Magazine We really mean it this time. You’ve only got until the 9th October to subscribe to the magazine to receive the November/December issue.  It’s £5 every two months and, as soon as you subscribe you’ll have access to the whole back catalogue of every issue we’ve ever done. This issue is all about the lessons learnt in 2020 and let’s face it, there’ve been a few!  Not only that, but if you’re a rugby fan, there’s also an interview with legend Ollie Philips following his property investment journey.  So, if you want to get ahead of the game, make sure you subscribe now!   YouTube If the magazine wasn’t enough, make sure you’ve checked out our latest YouTube video.  It gives you SIX different ways that you can raise cash to invest in property. Which lets face it, is the number one barrier for most people getting started.  It can be challenging and take time, but it will be worth it. So make sure you go give it a watch.   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.
01/10/2018m 34s

ASK255: I’m 20 – am I too young to invest in property? PLUS: Should I rent to a tenant with 5 dogs?

Rob & Rob are back again to answer two more property questions from our lovely Hubber community. To kick-start this week we’ve got Dami. She’s a 20-year old student living in Aberdeen and due to graduate this year. She’s hoping to move out of home a year after she graduates and during this year she’s aiming to save around £15,000 - £20,000. This will be the first time she’s left home and is wondering if she should use that money to buy her own place or invest it in something else.  Dami doesn’t want to rush into anything and wants to make the right choice for her situation. But she’s also wondering if she should wait a few years until she’s a little bit older.  Is age really a factor when it comes to buying property? Next we’ve got Luke from South Wales who’s got a question about pets.  He’s about to acquire his second rental property and has already had an interested tenant reach out to him.  She currently lives next door to the property with her parents but has told Luke that she has four dogs at the moment and is about to gain a fifth.  Normally Luke doesn’t allow pets in his properties. However this potential tenant seems like they could be a long term tenant and has even said they’d be happy to pay more rent because of the dogs.  So, what do Rob & Rob think Luke should do?  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.
29/09/207m 45s

TPP393: Ray Dalio: Understanding economic cycles and predicting the future

From Robert Kiyosaki to Ray Dalio No, unfortunately Ray Dalio hasn’t joined Rob & Rob on this week’s episode of The Property Podcast. That would have been epic though!  Even Rob B confessed he might not have been able to get through that interview without being starstruck and giggling the whole way through.  However, if you follow Ray Dalio on LinkedIn then you’ll have seen he’s been sharing some amazing insights via video this year. But they can be quite hard to understand and digest.  So, Rob & Rob have done the leg work for you and are about to summarise what Ray has been saying.  They’ll be talking about the US a lot, but what happens there affects the whole world. So stay tuned. Dissecting the thoughts of Ray Dalio on The Property Podcast  Economics can be an absolute minefield when you know aspects of it, but don’t completely understand it.  Thankfully it’s a topic that The Robs are incredibly passionate about and have kindly dissected Ray Dalio’s work into a more digestible version.  Here’s what The Robs are discussing on today’s podcast, thanks to Ray Dalio:  Debt cycles  The first topic is the short-term debt cycle. This is also known as ‘the business cycle’ and it repeats every eight years. This consists of: Debt-driven expansion... Over-optimism… Contraction/recession.   Because these happen so often people tend to understand them pretty well. And it’s something that Ray Dalio covers in his popular video, ‘How the Economic Machine Works’. The bigger deal is the long-term debt cycle.  Now this cycle is considered more important but it’s more poorly understood and that’s because it lasts roughly 75 years.  This is the lengthy one that you’re going to want to wrap your head around so you’ll want to grab a pen and paper for this part.  The current debt cycle Yes, it’s happening right now. So once Rob & Rob have walked you through the different stages of the long-term debt cycle, they’re going to put it into real terms.  They’re going to take a look at how it’s currently playing out, particularly in America, and what stage of the cycle we’re at.  What does it mean for us? As well as the long-term debt cycle, Ray describes how global power shifts between different countries over time.  But what does this all mean for us here in the UK?  To find that out, you’re going to have to tune into this episode to find out. You may even end up listening to it more than once! Enjoy!   This week’s news  This is where we would usually give you a link to a news article and Rob & Rob would discuss (or tear it apart) on the podcast. But this week we’re not giving you one.  That’s because this week is usually when we have our Market Update episode and The Robs delve into everything that’s been going on in the world over the past month.  They’ve decided to push that back to next week. So, to give you a teaser, you can expect to hear all about the potential of negative interest rates, and why up to 6% of homes in England could be unmortgageable right now.  It’s going to be a good one so make sure you tune in next week.   Hub Extra  If today’s episode hasn’t completely exhausted every brain cell you have, then we’ve got just the resource tool for you.  Of course, it’s Ray Dalio’s articles that we’ve discussed in today’s episode.  If you’re ready to take your economic knowledge to the next level then these will certainly get you there.   The Property Hub Magazine  As Rob B mentioned in today’s episode, if you subscribe to the magazine now you’ll be on the list in time to receive the November/December issue.  And yes, he was right, this issue is all about the lessons learnt in 2020 and let’s face it, there’s been a few!  Naturally it’ll tie in with when Rob & Rob review their predictions from the beginning of the year.  There might even be an insight as to what to expect next year. So, if you want to get ahead of the game, make sure you subscribe 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.
24/09/2021m 55s

ASK254: Is my London investment going to struggle? PLUS: How do I prepare for a financial crash?

It’s Tuesday, and that means Rob & Rob are here to answer two more fantastic property related questions. So hold onto your hats! The first caller to get in touch this week is Matt.  Matt previously bought his residential apartment as a long-term investment opportunity. The apartment is located in central London, near the Olympic Park.  There’s currently tonnes of investment going on in and around the area with two new hotels being built, BBC studios, the new VNA museums and different universities moving into the area as well.  He currently has a lodger that pays £1,000 per month which massively helps towards the bills and is helping him to save money for when he wants to move out of London.  However Matt is now concerned that with the way the future of working is going, he wouldn’t be surprised if businesses moved to smaller office spaces and we end up seeing more remote working.  He’s been doing his research into Zoopla reports and now he’s wondering if he should ride it out or get out whilst he still can.  Next up we’ve got Clara who’s wanting to know what Rob & Rob would advise when looking to prepare for a market crash. Would they suggest remortgaging and pulling any money out and keeping that money in cash, or keeping it somewhere else?  Ultimately, how do you make sure you’re protected for the inevitable? For the first time in Ask Rob & Rob history, The Robs have refused to answer this question.  Tune in to find out why!   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.
22/09/209m 12s

TPP392: Robert Kiyosaki (Rich Dad Poor Dad): Our reaction

Last week’s episode was epic. This week’s is even better It’s Rob & Rob’s reactions to last week’s interview with Mr Robert Kiyosaki, author of Rich Dad Poor Dad. We’ve received so many messages in the past week on what people thought of the interview and there were very much mixed opinions. So it was only right that The Robs discussed exactly what was said last week, and what they really think of some of the topics Robert Kiyosaki had very strong opinions on. If, like most of the comments we’ve had on social, you’re wondering if Rob & Rob are about to sell up and start buying gold, then you’ll want to stick around for this episode. On today’s property podcast episode If you haven’t listened to last week’s episode, we suggest you go and listen to that first. Mostly to understand why Robert Kiyosaki has caused a stir in the Property Hub community.  Before we get started, Rob & Rob still stand by the fact that Rich Dad Poor Dad is very much still relevant today. But in this episode Rob & Rob are going to tackle some of the points that Robert raised and share their point of view.  One topic that Robert raised was that people’s jobs are going to be replaced by technology. Apparently Zoom and Youtubers are going to replace teachers and technology is going to replace doctors.  Another topic he repeatedly came back to was Warren Buffet and buying gold. Apparently Warren Buffet has dumped all of his banking shares and is now turning to buying gold. It’s not quite as black and white as Robert Kiyosaki made out, so maybe you shouldn’t be taking what he says as gospel.  Tune in to listen to the other madness that Rob & Rob are discussing on today’s episode.  If anything, you’ll get a good laugh out of it.   This week’s news In the news this week, it certainly seems like the property market is still hot. Rightmove have recently released data showing how long it takes for a property to be sold.  The number of homes selling in a week has hit a ten-year high! One in seven properties are now having a sale agreed within one week of being listed, which was one in ten 12 months ago.  It doesn’t come as a surprise that it’s the bigger houses that are benefitting from this. Since the pandemic everyone has been looking for more space.  Although the London market is the slowest performing, it’s still doing better than 12 months ago.   Hub Extra At first glance you may think that Rob & Rob have lost the plot after that interview and are now just throwing animals around.  But Rob D is recommending a tool called Camel Camel Camel. It’s designed to help you track prices on Amazon.  The majority of us, when buying something online will naturally turn to Amazon to see if it’s available on there, and more so for the speed of delivery.  Prices on Amazon do change quite frequently and sometimes by a considerable amount. So what Camel Camel Camel does is you put in a product you’re interested in and it will send you an email alert when there’s a price drop.  It’s completely free and it will save you even more money.   The Property Hub Magazine We’re busy putting together the last issue of 2020 and it’s shaping up to be the best issue of the year! To give you a little sneak peek, this issue’s location focus is going to be on Crewe. It’s a major commuter town and one where Property Hub Homes built its first development.  And naturally it’s jam packed with investor case studies and comments from within the Hubber community that we’ve been getting you involved in.  Click here if you’d like to get subscribed now. You won’t regret it.   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.
17/09/2022m 54s

ASK253: Is now the time to get into holiday lets? PLUS: Am I allowed to make multiple offers?

Rob & Rob are back again this week to answer two more Hubber questions. First up this week is Brad. He’s been listening to The Property Podcast for the past couple of years and has just finished university where he’s studied real estate. He’s been giving his parents a helping hand in getting started on their property investment journey, with their first purchase being in Norfolk at the beginning of the year.  They’re now at the stage where they’re looking to invest in something else, potentially a holiday let. They know there’s more work involved with a holiday let, but with more people taking staycations, they’re wondering if now is the perfect time for it.  We’ve been getting a lot of questions lately around holiday lets, so do Rob & Rob think now is the time to look at it more seriously? Our second caller this week is Michael from South Wales.  He’s been doing a lot of viewings recently as he’s on the hunt to purchase his first buy-to-let property in a limited company.  Currently he’s got six property viewings with one agent but he’s wondering how it works with putting an offer in.  He only wants to purchase one property but is wondering if it’s worth putting an offer in on multiple properties, just to be on the safe side? What do Rob & Rob think he should do?  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.
15/09/206m 15s

TPP391: Our interview with Robert Kiyosaki (Rich Dad Poor Dad)

It’s the property podcast episode you’ve all been waiting for. Rob & Rob’s interview with Mr Robert Kiyosaki, author of Rich Dad Poor Dad. Rich Dad Poor Dad is possibly the most famous personal finance book ever written. We know it’s been a staple educational tool for most property investors getting started on their property journey.  So when Robert Kiyosaki asked if he could come on The Property Podcast, it was a no-brainer.  Whilst Rob D was busy enjoying a day at the zoo, Rob B was busy picking Robert Kiyosaki’s brain. And he’s definitely not a guy who’s short of an opinion.   On today’s property podcast episode In this episode you’ll hear Robert’s thoughts on certain topics - some attention grabbing ones, and others that are pretty controversial.  So in next week’s episode Rob & Rob will be sharing their reactions to what’s said in today’s podcast. You won’t want to miss it! Rich Dad Poor Dad was written over 20 years ago and has proved to be a timeless book that could have been written at any point during that time frame.  One of the questions Rob B wants to know the answer to is…. if Robert now thinks differently about anything he wrote back then, and is there anything he would change now? We’re not going to spoil the whole show for you as it’s truly a fantastic episode and one that you should definitely listen to.  It’s not every week we have property royalty on the show.   This week’s news In the news this week, ‘lenders pile into the ‘Airbnb mortgage’ market as staycation boom continues’. Most people across the country have opted for a staycation this year to avoid quarantine measures for going abroad. This has both been great for the local economy but also property investors who were severely struggling over the lockdown period. Now business is thriving again.  Previously, there have never been that many mortgage products available for holiday lets, as you need a certain specific mortgage which is completely different to a buy-to-let mortgage.  However things seem to be changing. Lenders have noticed an increase in demand for holiday let mortgages and have now jumped on the bandwagon.  So if it seems that if you were planning on going for the holiday let strategy, now is the time to do so.   Hub Extra Now you might not be surprised that this week for Hub Extra we’re recommending the book, Rich Dad Poor Dad.  Because if you haven’t read it already then you definitely need to! Even if you’re not yet ready to start investing, there’s a lot that you can learn from it regarding personal finance.  We’re also recommending that you give this podcast episode a listen where Rob & Rob re-read the book and go over the five things that they still agree with, but also the five things they don’t agree with.  If you want to read the book then maybe do that first before listening to the podcast episode so you can come to your own thoughts on it before listening to The Robs.    The Property Hub Magazine Don’t forget, if you’re wanting to subscribe to the Property Hub Magazine, we’re currently running our special offer!  So if you sign up before midnight on Monday using the code ‘SPECIALOFFER’ you’ll not only be registered in time to receive the last magazine of the year (crazy!) but you’ll also receive the current issue for FREE!  Click here if you’d like to get subscribed now. You won’t regret it.   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.
10/09/2025m 23s

ASK252: What should I know about investor-led developments? PLUS: Does a Lifetime ISA mean giving up my profit?

It’s Tuesday. And that means another episode of Ask Rob & Rob.  Our first question this week comes from Michael. He’s seen that in some city centres like Liverpool for example, there are developments that are advertised as ‘investor only’ developments and he’s a bit concerned.  These are developments that offer guaranteed yields for a certain period of time, so he’s wondering what Rob & Rob think of these schemes.  Rob B tackles this question head on, and not only shares his views on these schemes, but also goes into detail about how they actually work. Our next question is from Jordan who’s got a question about lifetime ISAs.  He’s a first time buyer and he’s set up a lifetime ISA to take advantage of the government's 25% bonus scheme.  At the moment, due to coronavirus, there’s no penalty for withdrawing the money, whereas previously you would lose around 6% of the original deposit.  However he’s wanting to know if buying a property with a lifetime ISA means he loses any profit that he would make on his property in the future?  We’ve had a number of questions come in recently around lifetime ISAs.  So, should you avoid putting your money into a lifetime ISA or go and an open one tomorrow?  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.
08/09/207m 12s

TPP390: Property Exit Strategies - A guide to cashing out

This week on The Property Podcast we’ve got a great episode for you. We’re talking about exit strategies.  Now you may be thinking, ‘why on earth would I want to think about getting out of property when I’m only just getting started?’.  Well, there’s actually a valid reason for thinking of the end goal and considering your options for when you’re ready to let go. So on today’s episode, Rob & Rob are going to be talking about the following: Flips They’re the most basic, but not the easiest of strategies. You buy it for X amount, spend Y doing the property up and sell it for Z. More often than not, X+Y should be less than Z.  But what if it’s not? And what if you’re doing it on bridging finance or as part of a joint venture? Then what?  Rent-to-Rent/Serviced Accommodation This is quite a popular strategy but more of a hands on one. You tend to rent for X amount, sublet it for Z amount and therefore Z should be more than X. Sometimes you won’t be able to sublet the property, then what happens? What if there’s an issue with the property? Or, now you’ve built up enough cash for a deposit, how do you get out of your current situation?  Buy-to-Let And finally your plain vanilla buy-to-let strategy. By no means is it the most glamorous but it is the simplest. You’ll buy a property for X amount, spend Y amount on things like furnishings and then you’ll rent it out for Z.  Z/X+Y * 100 = Yield. Pretty simple and straightforward.  What happens if the property doesn’t rent, or you have massive unexpected expenses?  These are just some of the examples Rob & Rob cover on today’s podcast.  Make sure you tune in and map out your exit route.   This week’s news story headline reads ‘markets predicting negative base rate as BoE keeps options open’. In previous weeks the Bank of England have voted to keep interest rates to a historic low of 0.1%!  If you thought that was crazy, read om. Because there’s the potential to go lower than that! For some reason it seems like the markets are expecting the base rates to go negative at some point in the next year. However the BoE don’t have any plans on doing it, but never say never.   This week’s Hub Extra is a tool that Rob & Rob both use to pick the right background music for them to work to. If you’re like them and you need a bit of a soundtrack to get you through something tedious you’ve been working on then maybe you should give Flow State a go.  It’s a daily email where they send you a link to a new artist where they’ve handpicked music that’s good for concentration. There's a wide variety of music choices so you may be surprised.    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.
03/09/2020m 52s

ASK251: How should I structure this joint venture? PLUS: Can I make use of my off-plan gains?

It’s Tuesday. And that means another episode of Ask Rob & Rob.  First up we have Ed who wants to ask about joint ventures.  Ed has a few properties he’s worked on using the buy, refurbish refinance strategy. They’ve gone down so well that Ed now has a few contacts looking to do joint ventures with him. They want to put in the cash while he handles the rest of the workload.  He wants advice from Rob & Rob on how to structure this from a legal point of view to protect both himself and the investor.  There are many different ways to structure a joint venture, but there are two common ones. And in this episode, Rob D runs through both of these to help you understand the two most popular ways people run their joint venture agreements. The important thing is to make sure the structure is right for all parties. The second caller this week is Pete. He’s got his first property due to complete this year. He bought it at £250,000 and it’s increased by around £30,000-40,000 already.  Pete wants to know if he can use this increased value as part of his deposit on the buy-to-let mortgage he’s taking out on it. He’s buying his property through a limited company so wants to leverage what he can.  Will Rob B make Pete’s day or is Pete asking the impossible?  Rob B does give a sneaky insight into valuations and dishes some dirt on why valuations are always done on the purchase price, so this is a great episode to help anyone who’s purchased off-plan and is looking to take advantage of any uplift in value.  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.
01/09/209m 12s

TPP389: Market Update - August 2020

It’s the episode you’ve been waiting a whole month for. It’s August’s market update!  There’s so much that’s happened in August, it’s been crazy!  Normally you would expect August to be a bit of a quieter month, with people taking time off, going on holiday or just spending time with their children during the school holidays.  However, given the current circumstances, that’s not been the case at all and some certain topics that the guys are going to discuss today have been quite surprising.  Here’s what The Robs are going to be talking about on today’s episode: Property prices Evictions Mortgages Insurance Taxes The economy Plus a whole lot more just in case that wasn’t enough for you.    Not only are Rob & Rob bringing you the market update, but they’ve also been on the phone talking to none other than Robert Kiyosaki, the author of Rich Dad Poor Dad, just in case you didn’t already know. Now we’re going to be keeping all the juicy details from that conversation for next week, but Robert Kiyosaki does actually have a virtual event on this weekend! It’s on Sunday at 8am for the Global Crisis Summit so if that’s something you’d be interested in, you can get your virtual ticket here.   If any of the job roles that Rob & Rob discussed in today’s episode and you’d like to apply, you can go and check out the full job roles right here.    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.
27/08/2032m 27s

ASK250: To HMO or not to HMO? PLUS: What's wrong with Birmingham?

We’re back with another episode of Ask Rob & Rob and this week the guys are discussing questions on HMO’s and why they do/don’t love Birmingham. The first question we’ve got for you this week is from Martin, who after listening to the podcasts has gone on to recently purchase his first property.  It’s a 3-bed property that would rent out for around £800pcm and he has the option to renovate it and turn it into a 4-bed HMO that will bring in around £1,600pcm.  He’s now questioning whether he’d be better off appealing to a family where he won’t have to pay the bills for them, or go for the HMO market and tenant turnover, but almost doubling his income? It’s certainly a tough decision to make Next up we’ve got Jordan. Clearly due to his question he’s been a long term listener as he’s got a question based on a podcast The Robs did a few years ago.  The podcast episode was why Rob & Rob don’t show Birmingham much love so now Jordan is wondering if three years on that’s still the case and The Robs still don’t love Birmingham. To him it seems like a good choice as from what he can see the fundamentals are there, but he’s wondering if he’s missing something.  Tune in to find out if Rob & Rob have a new found love for Birmingham or if they’d still keep away.   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.
25/08/208m 49s

TPP388: How to deal with doubters

At some point in your property journey you’re going to get people who are questioning what it is you’re doing.  People that doubt you’ll make any money from investing in property and they’ll try and put you off.  So in this week’s episode of The Property Podcast, Rob & Rob are going to discuss how you should deal with them, but more importantly, why you should encourage them.  Sounds crazy, right?  What if we told you that you should use what the doubters say as momentum to spur you on? Because that’s exactly what Rob B did himself about a decade ago.  Rob B shares a personal experience in today’s episode and it might just give you the push you need to keep going and ignore the haters.   In the news this week, ‘collapse of Airbnb popularity produces glut of long-term stock’. After speaking to Chris Ryder a few weeks ago, you wouldn’t expect to see this headline, especially now it seems the majority of the population are enjoying staycations this summer.  However research from Hamptons International has shown that one in eight properties coming onto the market in inner London have previously been on Airbnb or other short term let websites.  It also shows that the number of homes available to rent in inner London is up by 42% compared to last year which is a huge increase! But there are many factors that can contribute to this.  As a result it’s pushing rental prices down. Which is something that The Robs will discuss on next week’s market update.   This week’s Hub Extra is a new podcast for you to listen to! Our podcast producer Dan has also been working on a new podcast called ‘Naked Money’.  The show has Robbie Burns as the host who’s a multi-millionaire stock trader if you didn’t already know. He’s more famous for his book, The Naked Trader which is a book Rob B loved.  So no doubt the new podcast is going to be just as good.    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.
20/08/2027m 54s

ASK249: Have I made a bad investment? PLUS: Should coronavirus change the fundamentals we look for?

This week on Ask Rob & Rob the guys are still answering coronavirus related questions and helping one caller put his mind at rest on his recent investment To kick start this week, we’ve got Harsh. Along with a friend as part of a joint venture, they’ve bought their first buy-to-let property in Crewe.  However he’s now having worrying thoughts. Harsh has clearly been listening to our weekly podcasts and he knows that Crewe is an area that we’ve mentioned numerous times on the podcast and an area Property Hub Homes even built a development in.  But he’s also listened to the episode on Rob D’s investment in Nottingham and is now worried that because he only paid £75,000 for his property, it’s not going to benefit from capital appreciation. Is this a general rule of thumb? Should Harsh think about selling and investing somewhere else? Our second caller is Pedro. He’s got a question about the effects of coronavirus and the impact it’s had on people working from home. Since more people are now working from home and potentially going to continue to work from home for the foreseeable future, will this change the fundamentals that we look for when investing in property? So what do Rob & Rob think about this?  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.
18/08/207m 35s

TPP387: How to come out stronger

Get ready… because Rob & Rob are about to change your life! Seriously. Now is the prime time to be making improvements to better yourself. We’re living in strange times right now, but we can see this time as an opportunity to make dramatic differences to your life.  You can come out of the coronavirus pandemic far stronger than you went into it. Here’s what we cover in today’s episode:   Goal setting - we genuinely believe it can transform your life. Listen as Rob & Rob talk about how they use goals, both in person, and in their business. If there’s one action you take from today’s episode, let it be this one. There might be goals you’d set now, that would have been completely different to what you may have set at the start of the year because so much change has been forced on us. Here’s the episode Rob D refers to when talking about property megatrends. You can take the goal setting course right here for free too.    Creating habits - habits are the things you can do every day to get you that one step closer to your goals. Now is the ideal to review your habits, see which ones you’d rather not have and see which new ones you want to create to support what you want to achieve. Listen as Rob D talks through forming new habits and how to make them stick. For inspiration and more details on how you can learn to habit stack, you can go and listen to Rob & Rob’s brain hacks episode right here.    Fitness - it’s become a huge thing right now. It’s massively helped Rob & Rob during lockdown. Many people have now transformed their old fitness habits and created new ways to work out, because they’ve had to during lockdown. And actually, it’s becoming apparent that people are preferring their new routines.    Mental health - there’s been a huge focus on mental health throughout lockdown. The media hasn’t helped the downward spiral in those struggling mentally, but we can all try our best to be more aware of how our mental health is being affected during these times. Rob B talks us through how he’s using meditation now more than ever, and how it’s helping him massively.    Education - We know a lot of you have been focusing on your education, because our website stats for our educational resources are breaking records. But could you be doing more?    Finances - A renewed focus on finances is never a bad thing. We’ve had a pandemic which has affected people negatively through job losses, but there’ll be others who have used this time to conserve cash through not commuting or spending unnecessarily. Rob & Rob have done a previous episode about personal finance which you can find here. You can’t be a property investor and have poor finances, so if you haven’t focused on this yet, you need to.   Taking action - doing deals, or getting ready to do them. The market is incredibly strong right now. People are coming out of lockdown ready to invest. And if you’re not yet ready, at least start preparing yourself. Rob B delves into everything you should be doing NOW, so you can strike as soon as you’re ready. Find out why now isn’t the time to be sitting on the fence and why you shouldn't let the media be your investment guide. Find out how others are taking action now, like Chris and his serviced accommodation in this episode. Or Natalie who’s refurbed multiple projects during the pandemic! If you work on all of these things, you’ll become a more successful property investor.    In the news this week, we’re talking about this article from The Express: Chancellor's stamp duty holiday gives 'surprising spike' to home values. Prices are up 3.8% year-on-year according to the Halifax, which is a huge jump. It’s surprising because we still have the coronavirus, but also not surprising for reasons Rob & Rob will delve into on this month’s market update - which is only a few weeks away, so make sure you tune in.   This week’s Hub Extra is a quote from Dennis E. Adonis which is quite fitting with this episode.  “Never restart a journey and use the same road that failed you before.” Listen to find out why this quote resonates so well with Rob & Rob this week.   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.
13/08/2025m 19s

ASK248: I got a bargain - should I flip it? PLUS: Will this help me avoid the stamp duty surcharge?

It’s another Tuesday, so it’s another Ask Rob & Rob. And we’ve got two cracking property questions for you. The first question is from Dom who’s just completed on a 2-bedroom flat in South London. He agreed the price back in January before the dreaded coronavirus, and went back to negotiate on the advice of Rob & Rob and managed to snap up an absolute bargain! So he’s ended up with a new house at a massively discounted price.  Today he’s asking whether Rob & Rob reckon he should flip it, take the cash and wait for another dip.  Rob B has some solid advice today and a bit of warning about that ‘paper-profit’. Dom needs to be careful about allocating overall transaction costs and also about potentially investing on the expectation of a dip in the market.  Why should Dom be careful? Why should nobody ever invest based on assumptions? Tune in to find out. Next up is Sabrina from Newcastle. She got hooked on the podcast after reading Rob D’s book and hasn’t looked back ever since - that’s what we like to hear!  Sabrina is a first time buyer and wants to know if investing in property via a limited company would preserve her first time buyer status for when she eventually buys her own residential property to live in - therefore avoiding that 3% stamp duty surcharge on second properties.   Listen as Rob D takes the lead on this question and explains how we’re all judged as individuals when it comes to property transactions.  Try as we might, there’s no getting around stamp duty unfortunately.  If only we could wave that magic wand! Tune in to today’s Ask Rob & Rob, it’s one not to be missed! 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.
11/08/207m 27s

TPP386: How to become a property super-geek

When we refer to a property super-geek you may think that we’re referring to the number one Property Geek, Rob D.  But it seems that there’s someone else who is just as excited by tech and property, and that’s Chris Ryder.  You may remember Chris from a few weeks ago when The Robs interviewed him about his serviced accommodation business and how it was coping during lockdown. Well, he’s joining Rob & Rob again this week to talk about all things tech in property.  Before getting involved in property Chris was in a good corporate career that centered around software development. Chris has since gone on to deploy different apps and systems into the day-to-day management of his business. So, naturally Rob & Rob couldn’t resist doubling down and getting unashamedly geeky about property and tech. Tune in to find out how these apps have changed the way in which Chris manages his portfolio. You may pick up a few tips for yourself if you self-manage your properties or you’re thinking about doing it.    Over the past few months we've shared a number of news stories around mortgage products and how much they’ve changed, particularly during lockdown. The long term trend with mortgages and rates was downward, and even with interest rates going up, mortgage rates were still low because everyone was competing for business.  Now, it seems that’s been flipped on its head. There’s plenty of people now seeking a mortgage but the rates aren’t particularly attractive. One broker Rob D spoke to recently even said that some lenders are currently putting their rates up because they wanted to become less competitive!  Lenders are actually struggling with their workload so much that they want to put people off from applying for a new mortgage with them. Absolute madness!    We’ve got another two resources for you for this week’s Hub Extra. Naturally they’re related to what Chris has talked about on this week’s episode, and they’re both helpful with connecting different pieces of technology together to do cool automated stuff for you. The first is called ‘if this, then that’ which allows you to connect different tools together and it’s pretty cool in the way that it works, just have a look at the website. The second tool is called ‘Zapier’ which is basically the same thing but a little bit more techy and more for connecting ‘small business’ kind of software.   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.
06/08/2030m 44s

ASK247: Can I use my bounce-back loan as a deposit? PLUS: Is this Liverpool property too cheap?

This week on Ask Rob & Rob we’ve got two great questions around location and using the bounceback loan scheme to fund your deposit. Is it a good idea? It seems a number of people are turning their head towards Liverpool for investing in property right now, and this week we’ve got another question regarding properties in the area. So let’s get to it. The first question is from Mohammad. He’s recently acquired £50,000 from the bounceback loan scheme through his limited company and he’s now wanting to know if he can use this money as a deposit for a buy-to-let property?  There’s been a bit of confusion and uncertainty around this topic as it’s not really been clear as to whether you can use the bounceback loan as a deposit.  So, do The Robs think it’s alright to use the loan as a deposit or do they think Mohammad should reconsider? Our second caller of the week is Harry from Bristol. He’s asking if £70,000 is too cheap to purchase a decent property in Liverpool?  If Rob & Rob think it’s too low, Harry wants to know what they think would be the minimum they’d pay for a property in this location. Naturally, there was only one Rob to take on this question, so it’s over to Rob B to answer this one. Does Rob B think that Harry should be looking at paying more than £70,000 to get himself a good investment property?  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.
04/08/205m 42s

TPP385: Will these mega-trends shape the future of property investment?

This week on The Property Podcast The Robs are discussing the importance of knowing what mega trends are currently playing out in the property market.  Yes, it’s important to know the tactics behind becoming a successful investor, how to get the best deal and understanding mortgages. But it’s just as important, if not more important, to understand the mega trends that are taking place. Because if you don’t understand the trends, you could find yourself on the wrong side of very powerful forces.  So today Rob & Rob are going to take you through trends that could happen, so you can put yourself in the strongest position going forward.  Here’s a look at the trends that they’re going to cover: Reversal of city centre living UK becoming less London-centric  More home-working  Death of retail More holidays in the UK “Peak HMO” If these aren’t topics that you’ve thought about already, then you’re going to want to listen to this episode. These particular trends are some that could happen off the back of a crazy start to 2020, so The Robs are taking a look at how they might affect property investment in the future.    In the news this week there’s been more bad news and mixed messages. But we’ve actually got a good news story for the property market; ‘asking prices reach four-year high’ according to Rightmove.  Which seems crazy right now with everything currently going on but since March average asking prices have grown 2.4% bringing the price up to £320,265. It seems like the confidence and optimism has swept across the country with other areas seeing even bigger increases than this.   This week’s Hub isn’t a new resource or a new app, it’s actually something that’s been around for a while but only recently have The Robs become fond of it. The app in question is Google Photos.  If you don’t know what it is, it’s basically storage for your photos that are backed up in a cloud for a minimal fee each month. But there’s two reasons why Rob & Rob are fascinated with this app. The first being that it has a great search function, so if you’ve taken a picture of a book and you can only remember the author’s name, simply type that in and Google Photos should bring up the photo that you’re looking for. The second is that you can use something called Google Lens within your photos. So like Rob D, he took a picture of some flowers and by using Google Lens, it told him exactly what type of flowers they were! You’ll basically hear how exciting The Robs find this one.    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.
30/07/2037m 15s

ASK246: How do I develop local knowledge? PLUS: What are the benefits of buying with a mortgage?

This week on Ask Rob & Rob, the guys are helping one caller up his location knowledge and explaining why buying with a mortgage is the better option. First up this week is Chris from London. He’s been talking to another investor about a property in Bootle, Liverpool.  However this investor has informed Chris that the street isn’t exactly the best or the most desirable in the area and that he should look elsewhere.  So now Chris is wondering if house prices can really differ that much street by street and with being based down south, how can he gain local property knowledge in different locations?  Naturally this question was made for Rob B so what does he recommend Chris do to improve his location knowledge?  Next up we’ve got Marlon who’s looking to find out what the benefits are of buying with a mortgage as opposed to purchasing in cash if you’re able to? His reason for asking is that he’s got 60% of the property purchase price and the oher 40% will be loaned to him by a family member, which he will go on to pay back like a mortgage, but without any interest and at a more flexible rate.  If you’ve been thinking about purchasing in cash, you’ll probably want to listen to this episode first, along with this podcast episode and take this course.  Enjoy!   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.
28/07/206m 10s

TPP384: Development projects and lockdown: How one investor faced this nightmare scenario

A couple of weeks ago The Robs interviewed serviced accommodation specialist Chris Ryder to find out how the coronavirus had affected his business. Well now they’re back this week with another guest, Natalie Gascoyne who’s going to talk us through how she handled renovating two major projects through lockdown.  Natalie is the owner of Davis Properties and she’s no stranger to tackling plain BTL’s and HMO’s. At the moment she’s currently working two commercial-to-residential conversions and we’re keen to find out how those have been affected by what’s currently going on. When COVID-19 first hit, Natalie was due to exchange on two properties, so rather than pulling out completely and losing thousands that she’d already invested, she decided to delay the process.  Unfortunately, one project was delayed further with another party member pulling out, however, on the other property she managed to bag a £30,000 saving!  How? You’ll have to tune in and listen to the rest of Natalie’s story... We don’t often talk about commercial-to-residential projects on the podcast as it’s never really been a strategy we’ve advised investors to do.  But Natalie seems to have quite a good strategy in terms of the kind of properties she looks for and the areas that she sources them in.  It’s certainly not the kind of project for the faint hearted and you’ve definitely got to be able to envision the end product to take something like this on.  So who knows, after hearing about Natalie’s journey and strategy, maybe this could be something to consider for your next purchase.    In the news this week, it seems like the rest of Great Britain weren’t too pleased when England received a stamp duty holiday. Now it seems that Scotland and Wales have jumped on the bandwagon and are also offering a stamp duty holiday up to £250,000. However they are slightly different… In Scotland investors still have to pay the surcharge which is 4% and in Wales you have to pay the surcharge and property investors are exempt from the stamp duty holiday. So some good news across the country, even if investors won’t 100% benefit from it.   This week’s Hub Extra it’s a book that Rob D is already calling his book of the year! So you know it’s got to be good. It’s called ‘A Bit of a Stretch: The Diaries of a Prisoner’ by Chris Atkins. He’s more commonly known as a documentary filmmaker who got caught up in a tax avoidance scheme to do with the film industry and ended up getting sentenced to five years in prison!  The book is based on the diaries he wrote whilst in prison and it gives you a really good insight as to what prison life is really like and hopefully it will be the only experience you’ll ever have.   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.
23/07/2021m 29s

ASK245: I hate my property! What should I do? PLUS: Can you clarify the new electrical regulations?

This week on Ask Rob & Rob, the guys are discussing what one caller should do with the property she hates, and what the new electrical regulations mean. Our first caller this week is Nancy. She’s a GP who's taken a step into the world of property investment.  Nancy owns a property that’s located about 15 minutes away from Liverpool Football Club. It’s a property that’s performing well, however it’s a serviced accommodation property which she’s now come to realise she hates.  Between the hours that Nancy puts in at the GP surgery as well as doing private consultations, she’s found that the amount of time the property requires and what she gets back from it, really isn’t worth it.  So now she’s questioning if she should just sell the property or whether she should keep it and outsource a company to manage the property for her.  The second caller this week is Jake who, along with a friend, manage a few properties in a portfolio that they own.  They’ve been looking into the new EICR rules that came into play on the 1st July. From what they’ve found, it looks as if you had to have new EICRs done before this date, regardless of whether you’ve had them done previously or not, to make sure you’re compliant with the regulations.  So, do you need to have brand new electrical certificates in place or do previous ones still uphold the regulations?  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.
21/07/206m 55s

TPP383: Market update: July 2020

Back by popular demand, Rob & Rob have returned with a market update podcast!  Yes, we said goodbye to weekly updates BUT, we were inundated with requests to bring them back. So for now, we’ll be resurrecting them on a monthly basis so you can get your regular fix of the latest developments across the property sector.  Today they’re talking about the hot topic of the month: stamp duty. They’re covering the latest changes and what they mean for the property market now and in the long-term.   If you’re thinking ‘hang on - they’ve already covered this....’ - you’re right. They did recently cover it on this week’s episode of Ask Rob & Rob but today they’re delving deeper, and they’re also giving you their opinion on the latest market activity and of course, the rental market.  Trust us, if you’ve missed the Friday market updates, this is an episode you don’t want to miss!   In other news, it seems that not everyone is happy that the new stamp duty charges are applicable to everyone. The Shadow Housing Secretary says it’s a £1.3 billion bung for landlords. However they’ve not pointed out in the article that the 3% surcharge remains in place and where that tax increase came from in the first place.    This week’s Hub Extra is something of our very own and it’s sticking with the stamp duty topic. Ideally when you’re now looking at property prices you want to know how much you’ll be saving.  Well, we’ve put together an article that not only explains the stamp duty changes but there’s also a handy calculator in there too that you can use to work out just how much you’ll save on your next property purchase.   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.
16/07/2022m 44s

ASK244: Does the Stamp Duty holiday apply to investors? What does it mean?

Last week was a shocker, wasn’t it? It’s not often property investors are dealt nice little surprises from the UK government, so when Chancellor Rishi took to the stage last week and announced a stamp duty cut, we had a flurry of questions from Hubbers.  The Chancellor announced that (for England and Northern Ireland), the stamp duty threshold would now increase to £500,000 until March next year. So if you were buying a home to live in, up to this value, you’d have zero stamp duty to pay. The big question was - would this cut apply to property investors? And the answer was a surprising ‘hell yes!’ Before you run out the door, the 3% surcharge for additional properties is still there, but still, we’ll take any small wins that we can, right? We’ve explained it all in detail right here - and there’s a handy calculator that you can drop straight into your downloads folder and see how much cash you’re likely to save.  We’ve also had LOTS of questions from those who have exchanged on their properties but not yet completed.  So what’s the deal with this?  Do the new rules apply to you or not? Rob B gives us the run-down on this in today’s Ask Rob & Rob episode.  And if you’re sat there thinking… ‘These cuts are great, but what will this do to the property market in the short (and long) term…’ We’ve also got you covered on this episode.  And if that wasn’t enough, we’re bringing something back by popular demand. It’s coming this Thursday, so make sure you set your alarms for 6am! That’s a lot of excitement for a Tuesday. Happy listening! 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.
14/07/204m 44s

TPP382: 7 lessons we learned from a billionaire investor

The Robs have another special guest this week. This time it’s billionaire investor Stephen Schwarzman. Sadly, he’s too much of a big wig to actually be on the show so The Robs are going to be picking apart his book instead. You might never have heard of Stephen Schwarzman before, but after this podcast episode it’s certain to be a name you’ll remember.  After reading his book, Rob & Rob found that there are seven lessons that we can all learn from him.  Now, you might be thinking ‘how can I possibly relate to a billionaire investor when I’m just starting out?’ Well don’t worry, we promise that these seven lessons will be invaluable to you no matter what stage of your property journey you’re at. Here’s the seven lessons Stephen will be sharing with us: Failure is the best teacher in an organization The best executives are made, not born Identify problems and bring solutions How to raise money It's the same effort to work on a big thing as a small thing Group decision making Building a team of 10s There’s plenty to learn from today’s episode and it’s even a learning curve for Rob & Rob, so hopefully there will be a number of takeaways for you too.    In the news this week we’ve got a big headline for you, ‘PM pledges biggest planning shake-up since WW2’. Like usual, it’s a headline that’s been blown out of proportion, however if you are a developer or you build properties then this could be good news for you.  According to this article from Mortgage Strategy there are now going to be more things that you can do without having to acquire planning permission. Included in it are converting commercial premises to residential, demolishing an old home to replace it with a new one and if you want to extend or add floors there’s going to be a fast track method for that. So again not quite as drastic but certainly good news for some.    Naturally this week’s Hub Extra is the book that we’ve just dedicated this podcast episode to, What it Takes by Stephen Schwarzman. If you have any interest in business or investing then this is a book that you’ll enjoy, and there’s plenty more lessons that you’ll learn from 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.
09/07/2022m 48s

ASK243: Should I go for quantity over quality? PLUS: Is renting to councils a good idea?

It’s Tuesday and Rob & Rob are back again to answer more of your questions. First up we have a question from Lauren. She’s a 23 year old graduate who is looking to get into property investment for the first time. At the moment Lauren is fully educating herself before she gets stuck in - good shout, Lauren! Her aim is to achieve capital growth as the market recovers from the coronavirus, with the aim of her and her brother affording deposits for their first personal houses in seven years time. Lauren currently has £126,000 and location-wise she’s looking at Birmingham for the capital growth prospects. So now she has two questions that she needs a bit of guidance on.  Should she purchase two more expensive properties with around a £50,000 deposit each, or should she choose quantity over quality and go for cheaper properties? She’d also like to know if she should buy these properties in one place or spread them out across the country? So, is it better to have more properties in your portfolio or have less of them but of a higher, more expensive quality?  Next we have Tom from Stanford who has a rather interesting question.  He says that just south of him is Peterborough where there are some cheap properties, although they are situated in less than prime areas. He’s noticed that the local council are advertising to take on private properties for a fixed 3-5 year income.  So Tom is now wondering if this is a viable option to gain a guaranteed income for at least three years and a long-term tenant? Do Rob & Rob think this would be a good strategy to sub-let to the council? 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.
07/07/206m 57s

TPP381: Serviced Accommodation and COVID-19

This week on The Property Podcast, The Robs are joined by special guest, Chris Ryder, who is a serviced accommodation expert.  Serviced accommodation has been an ever-developing strategy for a number of property investors over the years and it’s becoming increasingly popular.  But a twist of events this year (we’re talking about you, coronavirus!) has seen investors struggle to get tenants through the door of their serviced accommodation. Some unlucky investors are looking at at least 3 months of no rental income up to now! So today we have serviced accommodation expert, Chris Ryder, dropping the truth bombs on what’s happening in the (slightly battered) sector at the minute.  If you were to believe the media, you’d have seen many investors pivoting away from short term lets towards long-term during the pandemic, in a bid to avoid lengthy void periods. But interestingly, Chris hasn’t had to do that. It’s actually quite amazing how quickly he adapted his business model to make the best out of a bad situation. If you’re thinking of going down the serviced accommodation route, you’ll certainly want to listen to this episode first and note down all the tips Chris has to offer.   For our news story this week we’re sharing the latest HomeTrack report. We know our listeners enjoy hearing the latest updates on where’s performing well and where isn’t. We know you’re also all dying to know if The Robs were right about their predictions at the start of the year. It’s interesting to look at the data from the last three months. According to the report, house price growth is up 2.4% compared to last year - which has climbed even higher over the last month. Incredible for what’s currently going on across the world.   This week’s Hub Extra is something that Rob B has been using against his son to beat him at chess! It’s a website called chess.com and it’s a great tool for improving your logic and your chess skills.  There’s lessons on there if you’re a complete beginner and want to learn how to play and there’s sections where you can work on your strategy. Then you can play a game against a random person that the system matches you to based on your ability and put it all to the test.   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.
02/07/2033m 1s

ASK242: ​I’m ready to invest – should I go ahead now? PLUS: Is now a good time to invest in the stock market?

This week on Ask Rob & Rob, the guys are answering two more great questions and also taking a look into the current investing habits of Warren Buffet. Our first caller this week is Matthew, he has £100,000 saved up in the bank and he’s wanting to get into property.  He’s looking for a property to buy for around £250,000 (hopefully less), and he’d like to buy one that he can live in and let out.  So he’s wondering if The Robs think now is a good time to buy a personal house, or should he hold off for a bit?  Next up we’ve got Jay who’s got a question about the stock market.  He’s been keeping an eye on it and has seen some slow incremental rises in the stock markets as a whole.  So rather than questioning if he should be investing in property, Jay wants to know if Rob & Rob think he should invest in the stock market or is there potential for them to drop again in the next few weeks? The Robs love discussing the stock market, even more so at the minute when many other people are interested in it. But do they think Jay should be investing now or should he hold off? 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.
30/06/208m 40s

TPP380: Inflation v Deflation - Part 2

It’s the second episode in our two-part series on the important topic of inflation and deflation. Last week in the first episode Rob & Rob looked at how inflation and deflation impacts you as an investor. So this week they’re going to look at those impacts and see what it means for the future.  It’s another episode where Rob & Rob are being bold, so hold onto your hats for this one. And it turns out, at the time of recording these episodes, The Robs were also predicting the future.  They talk about quantitative easing and said they wouldn’t be surprised if the Bank of England would pump more money into the economy. And low and behold, a recent news story appears ‘Coronavirus: Bank pumps £100bn into UK economy to aid recovery’.  Even before this announcement, the amount of money that has already been pumped into the economy this year alone is more than the financial crash back in 2008! Which means the information from this episode has just become even more important than ever! Last week The Robs demonstrated why inflation is good for investors and how deflation could be damaging. So there’s one question we now need to ask: Are we currently heading towards a period of inflation or deflation? Tune into this jam packed episode to find out.   This week we’ve got a couple of news stories for you, the first coming from The Times and the headline reads ‘tougher times for buy-to-let landlords’. The article is stating that Barclays have said they’re going to stop giving mortgages to landlords who buy through limited companies, which seems crazy since all other big lenders seem to be getting back on track with mortgages.  But that wasn’t the most shocking news to Rob B - he didn’t even realise that Barclays did buy-to-let mortgages, but that’s probably down to the fact that they only offer 65% LTV on an interest only basis. So this probably won’t have too big of an impact on investors.  The second news story is ‘court of appeal sides with landlords in landmark case ruling’ and it’s in line with Section 21, when you want to end a tenancy without your tenants having done anything wrong.  In previous times, to evict a tenant you had to provide them with a gas safety certificate before they moved in. If you didn’t you could never use Section 21. Now, things have changed - find out why by listening to today’s episode.    For Hub Extra this week we’ve got a few resources that Rob & Rob used to help them put together these episodes, and they’re likely to help you in your understanding of everything that’s been covered over the past two weeks.  So, we have:  A lengthy article that isn’t as daunting as it looks A podcast on inflation and deflation Another podcast A YouTube video from the Bank of England on quantitative easing Hopefully these will help you in your continued learning.   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.
25/06/2019m 31s

ASK241: ​Should I sell my property at a loss? PLUS: Should I be worried about the service charge?

Happy Tuesday! We’re back with another Ask Rob & Rob.  First up this week is Jonathan who recently got married (congratulations!).  His wife had purchased a property a few years ago but unfortunately it’s now worth 10% less than what she bought it for.  But she does have 50% equity tied up in it. So here’s the big question: Should they sell the property at a 10% loss and purchase their ideal property, or do they release some of the equity and then rent it out?  Which is going to be the more profitable option for Jonathan and his wife?  Our second caller is Serena. She has £100,000 to invest and knows that a vanilla buy-to-let is probably the best strategy for her. She doesn’t want to commit a lot of time and her goal is to have a decent income stream so she’s got pretty much everything sorted.  But what she isn’t sure on is the location and the type of property she should be investing in.  At the minute Serena is wondering if she should buy one, or a couple of new build flats in either Leeds or Manchester city centre - if she can stretch that far. But she’s concerned the service charge is going to be astronomical on these kinds of properties.  So, should Jonathan sell or keep his property and does Serena need to be worried about service charge?  Tune in to find out what advice The Robs have for them.   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.
23/06/2010m 22s

TPP379: Inflation v Deflation - PT 1

This week on The Property Podcast, it’s the first of a two part special on the important topics of inflation and deflation. These are two things that every property investor should know and understand. Why?  Because they’ll both impact you massively.  Most people don’t understand the basics - and that’s what Rob & Rob are fixing right now with today’s episode.  Are we heading into a period of inflation or deflation? That’s a question that you should be asking yourself at the minute.  First, you need to go back to basics and understand exactly what inflation and deflation are. So in this week’s episode you can expect to learn: What is inflation? Why investors like it Why do we need inflation? How inflation works What causes deflation? The difference between good and bad deflation If you’d like to learn more about inflation, you can go back and listen to this podcast episode and you can take this course over on the Property Hub University. Be sure to tune in next week as The Robs are going to be taking a look at the last 10 years since the financial crash, what’s happened since then, what’s likely to happen in the future, and what that'll mean for you.  You’re not going to want to miss it.    In the news this week, we’ve got some interesting data from Hometrack. Their usual report focuses on the main 20 cities across the country, but once or twice a year they take a look at all 65 cities they gather data on. It’s a PDF document so while it’s difficult to share, Rob & Rob delve into the findings on today’s episode.  One interesting finding was that areas in the south (that had previously performed strongly) are starting to struggle; like Milton Keynes, Southampton, Luton and Reading. Rob D is putting it down to a reverse ripple effect from London. The biggest surprise was the town that’s seen the biggest growth in the last 12 months which was Rochdale, growing by 4.8% - phenomenal! Other areas performing well are Birkenhead, just outside of Liverpool, Bolton and Mansfield. Some areas you might not have considered before.    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.
18/06/2023m 42s

ASK240: What’s the best way to avoid inheritance tax? PLUS: What’s the secret to a strong partnership?

Happy Tuesday! We’re back with another Ask Rob & Rob.  First up we’ve got Jess who’s got a question about inheritance tax. Her parents have around £200,000 tied up in their home with no mortgage, and she’s been trying to figure out a way to make sure funds/assets are protected should the inevitable happen. They want to avoid the pitfalls of the dreaded inheritance tax! Is property the right way to go? Are there any resources Jess should be aware of? Of course, Rob & Rob aren’t accountants or tax advisers however, Rob D had some insights to share which Jess should find comforting. Only 4% of people who died last year paid inheritance tax - so should Jess be worrying? And what can Jess’ parents do now to minimise any issues Jess might face further down the line? Listen to find out.  Our second question is from Stuart who wants to talk about The Robs’ business relationship. He wants to know how Rob & Rob met and how they decided to go into partnership all those years ago.  Tune in to find out how another podcast (we know!) brought them both together and how their ‘founders quiz’ cemented their partnership.  Rob D also has some tips on getting to know your partner slowly rather than marrying them at first sight!  Have a listen and let us know what you thought of today’s Ask Rob & Rob. 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.
16/06/209m 27s

TPP378: Rob D just bought a property in the middle of a pandemic. What is it, and why now?

This week on The Property Podcast, Rob B wants to know why Rob D decided to invest in property… in the middle of a world-wide pandemic!  Some of our most popular podcast episodes are the ones where Rob & Rob delve into their personal investment strategies, so when Rob D unveiled his latest property purchase, we had to capture this for the podcast.  So, what type of property did Rob D invest in, and where was it? We’ll give you a clue: we recently launched a Property Hub Invest deal in Nottingham and as this was Rob D’s old stomping ground… he might have just bagged one for himself! The deal was so good, it was gone in less than 60 seconds!  We know you love a good honest chat with The Robs, and you won’t get more personal than this one.  Tune in to listen, and find out why this deal was too good for Rob D to turn down….even during a pandemic!   This week’s news story comes from Landlord Today and the headline is, ‘renters will feel more secure following extension of the tenant eviction ban’. The eviction ban was something that came into place at the beginning of Covid-19 to protect tenants. It was due to end on the 25th June but it’s now been extended for a few more months. It’s a tough situation, most landlords are fine with it and can understand the reasoning behind it, but others are struggling with tenants who are causing all kinds of issues, and there’s nothing they can do about it. Hopefully it will come to an end on the new proposed date of 23rd August.   For Hub Extra this week we’ve got a quote from Warren Buffett. His most popular quote is ‘be fearful when others are greedy and greedy when others are fearful’. But another one of our favourites is ‘only buy something that you’d be perfectly happy to hold if the market shut down for 10 years’. It’s the perfect quote for this episode and one that we think most investors should live by.    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.
11/06/2026m 1s

ASK239: Should my first purchase be my own home? PLUS: What's wrong with Leicester?

We’ve got two great questions for you on Ask Rob & Rob this week.  Our first caller is a first time buyer. He wants to know whether he should buy his first home to live in or invest in a buy-to-let property. He also wants to know if there would be any ramifications if he purchased a buy-to-let property before his own residential home.  Rob D takes the lead on this one as the answer will purely depend on personal situation. The Robs always tell investors to take the emotion out of property when investing, but is Rob D going against his own advice here? Our second question is from Jess who wants to know what’s wrong with Leicester. She thinks prices don’t do very well here and wants to know why there’s never any growth.  Rob B has a look and finds that Leicester prices are actually up 47% over the last decade - it’s outperformed the likes of Leeds, Liverpool and Birmingham. Yes it’s average performance - but he delves into why in today’s Ask Rob & Rob.  Does this highlight the need for us to understand market performance rather than just analyse house prices? We think so! Have a listen and let us know what you thought of today’s Ask Rob & Rob. 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.
09/06/207m 7s

Market update: 05 June 2020

It’s the last market update this week! To round off the past 10 weeks or so, Rob & Rob are having a moment of reflection.  They’re taking a look at what topics they’ve discussed during the market updates and are sharing the lessons they’ve learnt from the coronavirus situation that you can also learn a few things from.  The Robs are also discussing a report from Rightmove that has seen a spike in the number of people looking for rental accommodation. This is due to people changing jobs and moving locations, but also personal circumstances changing.  But is it just another headline, or is there actually some truth behind it? Tune in to find out. Enjoy!   We’d love to hear what you think of our new market updates over on Facebook, Twitter or Instagram. You might even have a question 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.
05/06/2019m 6s

TPP377: 5 deals we've already turned down this year

This week on The Property Podcast, Rob & Rob are giving you lessons to determine whether you should be sticking with a deal or walking away from it. So, how are they going to do that? Well, they’re going to give you insight to five deals they’ve turned down already this year.  Most property investment deals Rob & Rob look at always look great on the surface (and are potentially ones we’d put forward to our Property Hub Invest clients). But after doing thorough due diligence, they discover issues. Issues that completely block the deal and they end up walking away. The Robs have touched on the many reasons why they’d walk away from a deal in the past, which you can listen to here. But today they’re giving you real examples of why they’ve turned down these deals so far in 2020.     We’ve also got a super positive news story for you this week. ‘Virgin Money relaunches BTL deals up to 80% LTV’ which is amazing to see right now, because not only are Virgin Money confident in bringing their products back to the market, they’re now allowing 80% mortgage products for investors, which is usually unheard of. It just goes to show that Virgin Money is positive about the property market and the way it’s moving forward.    And this week’s Hub Extra is a resource that can help you and your business no matter whether you work from home or in an office. It’s an app called Krisp and it’s a piece of software that detects and silences any background noise.  It’s great if you work in a noisy office or if you work remotely and are working from a busy cafe. Or even if you work from home and you’ve got a builder in, all that noise will be cancelled out and no one will know otherwise.   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.
04/06/2030m 51s

ASK238: Can I use crowdfunding to speed up my investing? PLUS: Will this Rich Dad Poor Dad strategy work in the UK?

This week on Ask Rob & Rob, the guys are answering two very specific questions around strategies. Our first caller this week is Jonathan who’s got a very interesting strategy that he’s looking for a bit of advice on.  He’s recently listened to another podcast where they discussed using crowdfunding, or more specifically, angel finance, to acquire the initial cash to invest in property. If Jonathan was to follow this strategy he would be looking to buy properties below market value in cash, renovate them and then take out the cash that they had loaned to pay back the investors and keep the property for himself.  This is certainly a new one and has become a popular question recently. Do Rob & Rob think it’s a viable strategy? The second question comes in from Rashid. He’s recently finished reading Rich Dad Poor Dad. The author of the book, Robert T. Kiyosaki talks about a certain strategy that he has used to buy real estate in America.  So now Rashid is wanting to know if The Robs think this same strategy will work in the UK? And if you missed it, not too long ago Rob & Rob dedicated a whole episode to Rich Dad Poor Dad, which you can listen to here.  What did they think about this specific strategy? 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.
02/06/207m 17s

Market update: 29 May 2020

Rob & Rob are back again with another Friday market update for you.  A new sense of normality is starting to kick in for The Robs and their moods are certainly lifting.  They kick start today’s market update by discussing all the positive things that are currently happening and how people seem to be enjoying the smaller things in life.  They’re also discussing property prices now that the market has opened back up. Have they risen? Have they fallen? You’ll just have to listen. Another topic of discussion is something that they touched on a couple of weeks ago and that’s bounceback loans.  Should property investors be applying for bounceback loans? And finally, taxes. Are tax rises going to increase phenomenally? Well, Rob D has a bit of a different view on this one. Tune in to find out. Enjoy - and we’ll be back next week!   We’d love to hear what you think of our new market updates over on Facebook, Twitter or Instagram. You might even have a question 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.
29/05/2015m 38s

TPP376: Has Coronavirus broken the property cycle?

Last week we brought you boom or bust. This week on The Property Podcast, The Robs are discussing the next hot topic: The 18 year property cycle. The 18 year property cycle is a tool that’s been used by thousands of investors to make more informed property purchases. But has it all gone to pot thanks to the Coronavirus? That’s exactly what Rob & Rob are discussing on today’s episode. And if you haven’t listened to last week’s episode, you should listen to that first.  Again, we’ve been getting inundated with questions on the 18 year property cycle with people asking, ‘where are we in the cycle’? ‘is the cycle broken’? ‘are we going to enter another mid cycle wobble’?  Well, the good thing is Rob & Rob are about to clear all that up.    In the news this week, ‘UK mortgage payment holiday extended by three months’. At the start of lockdown was when the government announced mortgage holidays for those who had been put out of work due to the pandemic. The scheme offered a bit of a lifeline to those who needed it and initially it was for three months, due to run out in June.  However it now seems that the government were a little optimistic about how fast they could get the country back on track, and it doesn’t seem like they’ll be able to do that by June. Therefore they’ve extended the scheme for an extra three months. Let’s hope we’re in a better position by the end of August.    As promised, for this week’s Hub Extra we’ve got a number of resources for you to explain and cover what the 18 year property cycle is. So here you go:  This course on the 18 year property cycle TPP269 - How the economic machine works: A summary TPP270 - The 18 year property cycle, year-by-year: Part 1 TPP271 - The 18 year property cycle, year-by-year: Part 2 But we also recommend that you watch this video by Ray Dalio on how the economic machine works. Plenty for you to get stuck into.    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.
28/05/2024m 0s

ASK237: Is it realistic to keep your emotion out of a purchase? PLUS: Should I use a recession to my advantage?

This week on Ask Rob & Rob, the guys are trying to spread some positivity and calm people down with their worries on the current climate. Many investors are in the purchase process already and some are getting nervous. So should they stick it out or run a mile?  Our first question this week comes in from Steve who has a follow up question from this podcast episode a few weeks ago.  He’s got a property that’s going to complete in a few weeks and although he’s trying to stay positive about the long term, he can’t help but have some doubts while we ride the coronavirus storm..  In short, he’s wanting a bit of positivity and reassurance in regards to what he should do moving forward.  Next up we’ve got Sarah who’s wondering if she should try and use a potential recession to her advantage.  She’s in the process of buying two flats in Salford, with one to complete soon. However, she’s considering delaying exchange to see if she could take advantage of any interest rate drops and possibly renegotiate prices. Do Rob & Rob think she should proceed or try and renegotiate her current deals?  There’s probably an awful lot of people in the same situation as Steve and Sarah. So what do The Robs think they should do?  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.
26/05/207m 23s

Market update: 22 May 2020

Rob & Rob are back again with another Friday market update for you.  It’s been a pretty busy week which neither of The Robs are complaining about right now.  So far, yesterday’s podcast episode where Rob & Rob were pretty bold on their boom or bust predictions, has been quite popular with a lot of feedback coming in.  One topic that the guys discussed on Thursday was the unemployment rate. Since recording, Rob D has been doing some further thinking and has been questioning if the UK hadn’t implemented the furlough scheme, would there be a higher rate of unemployment?  And is the furlough scheme just delaying that potential unemployment rate?  Rob B also shares his thoughts on the employment bounceback which is likely to be felt across certain industries.  Which industries does he think are going to make a comeback first and which does he expect to see a number of redundancies?  Tune in to find out. Enjoy - and we’ll be back next week!   We’d love to hear what you think of our new market updates over on Facebook, Twitter or Instagram. You might even have a question 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.
22/05/2015m 36s

TPP375: The property market is about to boom or bust – which will it be?

This week on The Property Podcast, The Robs are discussing the hottest topic in property right now. Boom or bust! Is there about to be a property boom, or is the market going to go bust? It’s safe to say that at the beginning of the year, no one would have guessed that we’d be in the situation we’re in right now. Many seem to be a little on edge as to whether the property market will boom post coronavirus, and should be buying as many properties as they can now. Or, if we’re going to have a market crash, should you be holding out, sitting tight on your cash and preparing for future purchases?  Nobody knows the answers, not even Rob & Rob. But they’re going to (once again) put their heads on the chopping block and give you their extensive thoughts on the subject AND unveil their predictions on whether we’re in for a boom or bust! It’s definitely not one to miss. Tune in now!   In the news this week, ‘house hunting technology on the rise’ - we’re looking at how different estate agents are implementing different uses of technology to help them get through these strange times.  It’s a shame it’s taken a world-wide pandemic to get estate agents on board with using up-to-date technology and not just relying on physical viewings.    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.
21/05/2029m 44s

ASK236: Will there be a recession after coronavirus? PLUS: Has the 18 year property cycle been reset?

This week on Ask Rob & Rob the guys are going to be answering two questions that we’ve been inundated with. The first question comes in from Danny who’s wanting to know if there is going to be a recession after the coronavirus, as that’s what he’s been seeing a lot of in the media.  Naturally reading headlines like this is going to make you wary, and with Danny having a buy, refurbish, refinance and rent project on his hands, he’s worried that if there’s a recession, he might struggle to refinance.  It’s a situation that a number of investors might find themselves in and an upcoming recession is certainly a topic that’s playing on everyone's minds. Luckily Rob B is on hand to clear this one up. Our second question is from Pete in Warrington who’s wanting to know what The Robs thoughts are on the 18-year property cycle. Will the cycle reset due to the coronavirus?   Again, it’s something that everyone’s asking themselves, and a topic that Rob & Rob have been doing a lot of research into and figuring out where we might be at the end of this.  It’s a topic that the guys will be going into further detail on in Thursday’s podcast episode, but Rob D is giving a teaser on what you can expect from that episode. 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.
19/05/205m 56s

Market update: 15 May 2020

Rob & Rob are back again with another Friday market update for you.  Although at the beginning of the week Rob & Rob weren’t feeling too positive after Boris’ announcement on Sunday, by Wednesday their moods had certainly lifted as the property market turned up the gas and got going again. Even better news, surveyors are now starting to be un-furloughed which is a huge boost for the property market and means property processes that had been put on hold can get moving again.  House viewings are also starting to pick back up! Of course, this doesn’t come without some precautions being put into place and there will be some restrictions. Plus everything won’t go back to ‘normal’ straight away but it’s certainly a step in the right direction. And that’s not just Rob & Rob being positive about a bad situation, there’s actually data to prove that we’re moving forward so you’ll have to tune in to find out what that data is. Enjoy - and we’ll be back next week!   We’d love to hear what you think of our new market updates over on Facebook, Twitter or Instagram. You might even have a question 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.
15/05/207m 47s

TPP374: A step-by-step guide to changing your financial life

This week on The Property Podcast, The Robs are discussing how you can become a master of your personal finances and set yourself up for financial success. There might not be a lot to do whilst we’re still in isolation, and we’ve been banging the drum on our social channels about how you should be using this time to educate (or better) yourself or even learn a new skill. Just something to keep your brain working. We’ve mentioned it before that now is a great time to buy, or at least prepare yourself to buy. And now is a prime time to get your finances in order ready to make that next purchase.  So this week Rob & Rob are going to take you through all the steps you need to make sure that your finances are in good shape.   In the news this week, there’s been so many headlines on the property sector for us to choose from that we’d be here all day, so we’ll be covering everything on tomorrow’s Market Update podcast.    And we’ve got a triple Hub Extra for you this week. Sticking with the theme of today’s podcast we’ve got three resources that should help you get well on your way to improving your financial situation.  The first one is the budgeting app called Toshl but there’s also a website called ‘You Need A Budget’. It’s a piece of software that you can use to build your budget and there’s lots of educational resources around how to budget.  And finally, a book called ‘The Richest Man in Babylon’ which teaches you the disciplines of money - it’s a great starting point for getting your finances on track.     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.
14/05/2026m 15s

Ask - 235 TEST

This week on Ask Rob & Rob, the guys are clearing up some definitions on the difference between refurbs and flips, as well as below market value deals. Our first caller Sam has a nice and easy question for us this week. He wants to know exactly what the difference is between a refurb and a flip. It might seem like an obvious answer but there is a distinct difference, and one that most people will just assume they know the answer to.  So Rob B is taking it back to basics and clearing things up for Sam. The second question comes from James, and funnily enough he’s interested in a flipping strategy.  He’s a surveyor himself and has been wondering at what point below market value, percentage wise, would Rob & Rob consider a biting point? Rob D offers some pretty good calculations to help you work this one out so tune in to find out if a below market value property is really worth it. 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.
13/05/206m 17s

ASK235: What’s the difference between a refurb and a flip? PLUS: What discount should I get when buying a property to flip?

This week on Ask Rob & Rob, the guys are clearing up some definitions on the difference between refurbs and flips, as well as below market value deals. Our first caller Sam has a nice and easy question for us this week. He wants to know exactly what the difference is between a refurb and a flip. It might seem like an obvious answer but there is a distinct difference, and one that most people will just assume they know the answer to.  So Rob B is taking it back to basics and clearing things up for Sam. The second question comes from James, and funnily enough he’s interested in a flipping strategy.  He’s a surveyor himself and has been wondering at what point below market value, percentage wise, would Rob & Rob consider a biting point? Rob D offers some pretty good calculations to help you work this one out so tune in to find out if a below market value property is really worth it.   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.
12/05/206m 17s

Market update: 8 May 2020

Rob & Rob are back again with another Friday market update for you.  Could this week be the start in the decline of our market updates? Well, that all depends on what Boris announces this weekend.  This week there’s been some positive news for Grand Junction, the first ever Property Hub Homes development. We’ve started to have units go through completion. Hurrah! And even better, after just a few hours of being on the rental market, we were inundated with rental applications from virtual video viewings.  That’s mindblowing in this current market! Rob & Rob are also discussing the new bounceback scheme the government introduced a couple of weeks ago, aiming to get money quickly to small businesses. It’s quick and easy to apply for and is either up to £50,000 or 25% of your turnover. So, if this would give you a helping hand, it might be worth giving this episode a listen. And of course, The Robs will be discussing the current stock market so there’s plenty for you to digest this week! Enjoy - and we’ll be back next week!   We’d love to hear what you think of our new market updates over on Facebook, Twitter or Instagram. You might even have a question 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.
08/05/2014m 28s

TPP373: The ultimate list of lockdown resources (books, podcasts, apps and more)

This week on The Property Podcast, The Robs have got a lockdown special for you.  Since lockdown hit, everyone is trying to better themselves, whether that be learning a new skill, educating themselves on something they didn’t already know and then there are others who are just simply bored.  So this week, The Robs are coming at you with a boat load of books, podcasts, videos and apps to help you get through lockdown. Here’s all the links to everything you need from today’s podcast: Podcasts An episode from The Pomp Podcast - 258: Billionaire Chamath Palihapitiya on How To Invest Through This Crisis Hardcore History Reply All - “The case of the missing hit” Meditative story   Books Stephen Schwartzman - What It Takes Will Durant - Lessons of History Charles P. Kindleberger - Manias, Panics and Crashes: A History of Financial Crises "The Great Courses" on Audible   TV / Streaming / YouTube Ray Dalio - Ted Talk Ryan Serhant keynote The Least Expected Day - Inside the Movistar Team 2019 Tom Scott on YouTube Two documentaries: The Dawn Wall and Free Solo   Apps Investr An anti-recommendation of Next Door, but definitely give this Twitter feed a go for a good laugh Poker In Place There you go, plenty to keep you busy! Let us know if you have any of your own that you’d like to share or if you decide to give any of these a go, let us know what you thought.   In the news this week, NRLA slams Citizens Advice for ‘misleading’ report. It looks like the National Residents Landlords Association aren’t happy with Citizens Advice after they released a report stating that 2.6 million private renters have missed a rent payment or are expected to do so as a result of the pandemic.    However when you read further into the article, there were 25 people who said that they have missed a payment and 74 who said that they’re expecting to fall behind on payments. Once again, it shows that you shouldn’t believe the headlines.     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.
07/05/2028m 24s

ASK234: How can I beat the rental stress test? PLUS: Should I get a commercial valuation on a HMO?

This week on Ask Rob & Rob, the guys are giving advice on mortgage stress tests and discussing if it’s beneficial to have a commercial valuation on a HMO property. Our first caller this week is Tom who has a question on mortgage stress tests.  He’s got two mortgaged properties already and he’s done a pretty good job on running the numbers to try and work out his stress test figures. But now he’s wanting to release equity from the two properties and thinks this might now affect him meeting the stress test criteria.  So what does Rob B suggest? The second question this week comes in from Matt.  Matt’s question is around HMO finance, after looking at buying a property with his partner.  They’ve heard somewhere that they can get more of their money back out of the property, post renovation, if they have a commercial valuation done.  Is this something that they should be having done on a HMO? 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.
05/05/207m 3s

Market update: 1 May 2020

Rob & Rob are back again with another Friday market update for you.  There’s a bit of positivity in the air with Boris announcing that we are past the peak of COVID-19. And he’s even hinting at the possibility of easing lockdown restrictions - hurrah! We’re sure more will be revealed over the next few weeks but these nuggets of information have certainly perked us up.  Not only would lockdown easing be good news for individuals, but it’ll be great news for the economy! This week has also been an exceptionally good week for mortgages. For the second week in a row there have been more mortgage products coming onto the market.  Here’s what else The Robs will be discussing on today’s episode: Product transfers on mortgage holidays  Rent arrears  Addressing a negative review on the market updates There’s also a special announcement regarding Property Hub Live for all those who have bought tickets, so if that’s you, you’ll definitely want to give this a listen. Enjoy - and we’ll be back next week!   We’d love to hear what you think of our new market updates over on Facebook, Twitter or Instagram. You might even have a question 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.
01/05/2015m 26s

TPP372: This is how investors are reacting to the Coronavirus (plus rental market update)

This week on The Property Podcast, The Robs are joined by our magazine editor Chantelle to discuss how investors are reacting to the Coronavirus.  For the past few weeks Rob & Rob have been giving tips on how investors should be reacting, but they haven’t spoken to any to find out what they’ve actually been doing. Luckily for us, Chantelle has spoken to a number of investors for our cover story of the Property Hub magazine.  So, what did Chantelle find out from investors?  Tune in to find out! And, if you’re not subscribed to the magazine yet, you can join today right here. When you do, you will have access to the whole back catalogue of magazines so there’s plenty for you to sink your teeth into.   This week in the news, Rob & Rob are discussing a rental report that has come out from Zoopla that shows from the 7th March to the end of March, rental demand fell by 57% which probably doesn’t come as a massive shock.  But in the first two weeks of April however, demand rose by 30%. So although it’s still down from what it was originally, it is slowly starting to pick back up. The report also shows that there hasn’t been a fall in the number of properties on the rental market and has even been an increase in supply.    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.
30/04/2017m 30s

ASK233: Should I renegotiate my purchase or pull out because of Coronavirus? PLUS: Should I go for a 2- or 5-year fix?

This week on Ask Rob & Rob, we’ve got one caller who has a question off the back of another podcast episode, and another who’s questioning how long he should get a fixed mortgage for. First up this week we’ve got Luke from Essex. He listened to a recent podcast episode on pulling out of deals due to the Coronavirus, and out of the number of scenarios that The Robs described, Luke found himself in one of them. He’s at the point of being able to exchange and complete on a property, however the whole chain has agreed to delay it for the time being. But rather than pull out of the deal, he’s been thinking about whether he can renegotiate the asking price.  Is this something that’s commonly done? Our second question comes in from Roosbay. He’s been an avid podcast listener for a few years and today he has a question on remortgaging.  He has a buy-to-let property that’s up for remortgaging and initially he was looking at a 2-year fixed mortgage simply because he wanted to be able to reassess his situation in a couple of years time. Roosbay also has a couple more properties that were put on a 5-year fixed mortgage product just before the Coronavirus kicked in. So now he’s wondering if he should put his new property on a 5-year fixed mortgage as well, instead of a 2 year due to the current pandemic.  So, do Rob & Rob think there will be a significant dip in the market in two years time? What mortgage product should Roosbay be looking at before he is due to complete?  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.
28/04/207m 57s

Market update: 24 April 2020

Rob & Rob are back again with another Friday market update for you.  It seems this week that along with the rest of the nation, Rob & Rob are starting to look towards the end of lockdown. So much so, that Rob B already knows what he’s going to order from Pizza Express when it reopens.  Although the government hasn't officially said anything about when lockdown will be lifted (there’s still at least another two weeks to go), it’s not stopping people from planning ahead. And one sure sign of that is the fact that rental demand is back up again.  Another sign that things will start to go back to normal post lockdown is recruitment. Most companies have frozen recruitment,but there are many businesses that have kept those recruitment cogs turning, ourselves included.  We’ve been recruiting for one of the most important positions we’ve ever had to recruit for here at Property Hub, and that’s our Chief Operating Officer. So, if you think you’re suitable for the role, go ahead and get your application in.  Today Rob & Rob are also talking about economics. Since 2008 they both made it their mission to understand economics, way more than they originally did. So this week Rob B shared a podcast with Rob D called ‘Pitchforks Economics’ which is about modern monetary theory and it covers a wide range of topics including how much money is going to be spent on recovering from Coronavirus and other important issues like climate change. Rob B also came across an article in the Financial Times this week titled ‘In a crisis we mainly keep calm and are kinder than ever’ and it’s a really nice opinion piece that looks at things differently to how the media portrays it.  This week’s market update is a bit more positive than previous weeks. So give it a listen if you’re needing a bit of a mood-boost for a Friday.  Enjoy - and we’ll be back next week!   We’d love to hear what you think of our new market updates over on Facebook, Twitter or Instagram. You might even have a question 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.
24/04/2017m 20s

TPP371: Universal Credit: Why every property investor needs to understand it

Rob & Rob are back again this week and this time they’ve got one of our favourite podcast guests joining them. Mark Morris.  You’ll probably remember Mark from a few months ago when he was sharing his investor story - the one that got everyone buzzing! Well, he’s back again this week to discuss Universal Credit after making himself somewhat of an expert on the topic.  Most investors are only aware of Universal Credit coming into play a few years ago when the government rolled a number of benefits into a single payment directly to the claimant. The government were aiming to do two things: Combine several benefits into one Ease the transition of claimants back into work Naturally this caused problems for landlords as they were no longer getting paid directly from the government.  It’s now got to the point where, as an investor, it’s something you need to be clear about. And that’s why we’ve invited Mark Morris into the podcast studio to educate us all, including Rob & Rob… And as promised, here are all the links you need which Mark refers to on today’s podcast: LHA rates linked in article DWP Universal Credit Landlord page Information-for-landlords Mark Morris’ Linkedin profile   In the news this week, we’ve got ‘demand for stamp duty holiday to reignite the housing market’. Rob & Rob have had a couple of messages this week from people who have been getting excited about the prospect of a stamp duty holiday.  However, that’s all just hearsay right now, and something that people have been saying should be done. But isn’t necessarily coming into play.  Will it happen? We’ll have to wait and see, but it’s certainly something that would benefit the housing market.    This week’s Hub Extra is something that will keep the kids quiet for a bit and do some good at the same time. It’s a service called Goodnight Zoom that matches your child with somebody who’s elderly or isolated and gives them a way to read a story together over Zoom.  How lovely is that?! No, we’re not crying, you’re crying!    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.
23/04/2026m 44s

ASK232: What do you think of my high-yield strategy? PLUS: What should I know about Universal Credit?

This week on Ask Rob & Rob, the guys are answering two caller questions about strategy and the potential changes to Universal Credit. Our first caller this week is Matt. He’s a fairly new listener who joined us earlier this year, however he’s already got a couple of buy-to-let properties under his belt.  He’s currently in the process of purchasing his next buy-to-let which will be his first property in Liverpool. His strategy is to buy properties with good yields to help build his deposits up. His main aim in the next 10 years is to quit his day job.  So, do Rob & Rob think this is a good strategy? What yield figure should Matt be looking at and how much should he be paying for his properties to achieve it?  The second caller is also called Matt! He’s seen an article on Landlord Today about changes to Universal Credit and the possibility of landlords having rent paid directly to them instead of the money going to tenants who then pay their landlord.  He’s wanting to know what The Robs thoughts are on this topic and how they think it will affect the market.  If it affects the market at all. 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.
21/04/208m 34s

Market update: 17 April 2020

Rob & Rob are back again with another Friday market update for you.  This week Rob B is feeling a bit more positive than he has in past weeks. He may have seemed positive on the podcast when laying out what The Robs think might happen, but now we’re starting to see evidence.  One thing that’s been a positive this week is that it’s been a lot easier to get in touch with developers. Simply because they’ve now got more time on their hands.  Some may argue that it’s because they’re getting desperate and whilst some are desperate, there’s some good deals coming to light. Another positive is that it appears that finance is still available and mortgage products are coming back on the market. Hurrah! So although the property market is currently on hold, the fact that lenders are still willing to lend means it’s not a case of if the property market picks back up, it’s a matter of when.  The Robs are also discussing what they think is the best way for us to come out of this with a strong economy. Will you agree with them?  Enjoy - and we’ll be back next week!   We’d love to hear what you think of our new market updates over on Facebook, Twitter or Instagram. You might even have a question 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.
17/04/2015m 50s

TPP370: 4 property investors give us millions to spend!

Rob & Rob are back again this week for a slightly different episode of The Property Podcast. Today they’re advising four different investors on how they should spend their money. We’re always asked for advice by aspiring and experienced property investors on how best to invest their money.  And now (possibly more than ever), investors seem a tad confused on where they should be putting their money, if anywhere at all!  All of the investors you’ll hear from today are at the start of their journey with different strategies and different sums of money to start with, but ultimately they want to know how best to invest in the current climate.  So, here are the four different scenarios we’ll be looking at on today’s podcast: James - he has £10,000 in a government Help to Buy ISA and is looking to either move out of his parents house and continue to save for his first buy-to-let, or withdraw the money from his ISA and take the penalty hit to use that money to invest in his first property whilst still living at home. Jay - he’s looking at buy-to-let properties in Salford Crescent and really likes the look of high-rise living in Manchester. Jay has an inheritance that he’s wanting to make the most of by putting it into property and would like Rob & Rob’s advice. Our third caller has a cash pot of £200,000 but is wanting a return of around 40% on his investments per year, but on an income basis. He’s looking at going down the buy-refurb-refinance strategy to try and pull money out after the refurbs. The fourth and final caller is wanting to know how The Robs would invest £3 million and what strategy would they use? He’s not bothered if it’s in the UK or overseas, but in terms of buy-to-let property he’s wondering if Rob & Rob would be more likely to go down the smaller, lower cost property route or go for more mid range and larger properties.  We all know how much Rob & Rob love talking goals and strategies with people and this is a great episode to do just that.  You may be in a similar situation to these four callers, or just be listening for a nosey. So what do The Robs think they should do?  Tune in to find out.   In the news this week, we’ve got not one news story but two! The first is more of a reminder to all property investors that changes to Capital Gains Tax are now in effect. So now if you sell a property and have Capital Gains Tax to pay, you only have 30 days to submit your application.  The second news story comes from an email that Rob D received around mortgage holidays and the rumour that it could potentially affect your ability to get lending if you take a mortgage holiday. At first that’s all it was, a rumour, but now it’s come to light that one mortgage lender in particular is not allowing mortgage holidays and will not accept your application if you have already taken out a mortgage holiday.    This week’s Hub Extra resource is from Money Saving Expert. They’ve put together a list of really useful resources that you normally have to pay for, but the companies that provide them have made them free whilst we’re in lockdown and everyone is looking for something to do.  There’s all kinds of things for you to sink your teeth into; from kids activities to guitar lessons. So maybe take a look and see if you fancy learning something new.   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.
16/04/2023m 33s

ASK231: How has the Coronavirus affected Rob & Rob's portfolios? PLUS: Should I take a mortgage holiday?

The Robs are back again this week answering more Coronavirus related questions - and it’s a bit of a personal one.  How has the coronavirus affected Rob & Robs personal property portfolios? Well, Rob B has a vacant property whilst Rob D has one tenant who hasn’t paid their rent or been in touch with the letting agent to say why, or try and come to some arrangement.  Are Rob & Rob panicking? What do they plan on doing?  The second question we’ve been getting a lot is on buy-to-let mortgage payment holidays. Should you be taking up the government offer of a mortgage payment break?  We’ve discussed mortgage holidays before on the podcast, but this time The Robs are discussing why you should only take a mortgage holiday if you absolutely need to. Why? 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.
14/04/206m 5s

Market update: 10 April 2020

Rob & Rob are back again with another Friday market update for you.  This week the property market has been a bit quiet, which isn’t always a bad thing. Nobody seems to be panicking when it comes to buying and selling, and they’re certainly not slashing prices either.  However, we’ve said many times that there will be deals to be made for those that need to sell their property sooner rather than later. And despite many holding out to see if prices would drop, there aren’t any indications of this happening right now. One thing Rob & Rob have noticed however, is a change in rental prices. Many landlords are taking their chances with reduced rents rather than no rents at all - which is a wise move.  Rob & Rob have also been doing a fair bit of reading this week, and Rob B has been reading up on the history (and the value of gold) after making a small investment himself.  So, what did he find out and how did his gold investment do? Well you’ll have to tune in to find out the answers - it’s actually pretty interesting.  Enjoy - and we’ll be back next week! P.S See if you can spot the mistake in this week's episode.... the lockdown is clearly having an affect on one Rob in particular!   We’d love to hear what you think of our new market updates over on Facebook, Twitter or Instagram. You might even have a question 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.
10/04/2013m 29s

TPP369: Coronavirus: Should I pull out of my deal? Is it crazy to buy right now?

The Robs are back again this week with more Coronavirus talk. As you know, the world is still a little bit of a mess at the moment and that’s left people feeling skeptical. So, two questions that we’ve heard an awful lot over the past couple of weeks are ‘should I pull out of this deal?’ and ‘would I be stupid to invest right now?’  Well, this week Rob & Rob are going to clear things up on whether you should be walking away and avoiding investing in property right now.  The guys are going to be looking at three different scenarios:  You’ve already exchanged on a property - should you complete on it? You’ve agreed the purchase of a property, but you haven’t exchanged yet You’ve been planning to invest and have been actively looking, so what should you do? Should you continue or put your plans on hold? Chances are you probably fall into one of these categories, so this will be a cracking episode for you to listen to.    This week’s Hub Extra isn’t a specific tool or app, it’s more of a lifestyle improvement, and that’s an input audit.  The Robs find it useful to do this every now and again, but even more so at the moment. What information are you taking in at the minute? Have an audit of that. There’s a lot of negativity floating around right now and a lot of that might not even be true, but it certainly won’t be useful or helpful to you. So just be careful of what information you’re taking in, especially with social media.   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.
09/04/2027m 12s

ASK230: Should I buy in the city centre or further out? PLUS: Any sourcing tips?

It’s Tuesday and Rob & Rob are back with another episode of Ask Rob & Rob. And this time, they’re not Coronavirus related questions. Wahoo!  So, first up this week we’ve got Richard. He’s watched our video and listened to our podcast episode on The Robs’ 2020 property hotspots and is wondering if Rob & Rob favour city centre apartments as opposed to other investment types outside of a city centre.  Now Rob & Rob don’t necessarily prefer one or the other, or invest in just city centre locations themselves. But the advice they’re about to give to Richard is weighing up the pros and cons of both.  Our second caller this week is Steve and he’s been investing on and off for around 15 years now. He’s now looking to get into the sourcing department to be able to source properties for himself and clients.  He’s spotted a city that he wants to focus on, but is finding it difficult and time consuming trying to find a town within that city that ticks all the boxes.  So, what tips and tricks can The Robs share with Steve?  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.
07/04/207m 1s

Market update: 3 April 2020

Rob & Rob are back again today with another Friday market update for you.  The stock market is still changing week on week. Yes, it has slowed down with how aggressive it’s changing, but compared to last week, it’s down again. One that caught Rob B’s eye especially was Taylor Wimpey. A month ago it was 2.13 and today it’s 1.06 - which is mind blowing! It’s hard to believe it’s now worth half of what it was a month ago.  So the question is now, will it just go up from here and work it’s way back up to where it was? Or will it go down even further before it goes up again?  Now whilst the stock market may be too volatile to invest in right now, the good news is that property seems like a very good option.  Why? Well you’ll have to tune in to find that out as Rob & Rob start discussing the topic of trading property through a property fund. They’re also talking about what’s happening internally at Property Hub and giving you an insight into what we’ve been up to this week. Enjoy - and we’ll be back next week!   We’d love to hear what you think of our new market updates over on Facebook, Twitter or Instagram. You might even have a question 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.
03/04/2017m 50s

TPP368: Coronavirus: Property insiders share what's really happening

This week on The Property Podcast, Rob & Rob are talking to property experts and going behind the scenes to gain insight on how Coronavirus is impacting the property industry.  They’ll be talking to a property sourcer, a lettings manager and an investment consultant, and diving into what’s happening in their worlds right now.  And of course, they’re all experts from our own teams. Some people who might be new to The Property Podcast might not know that we have a number of businesses under the one roof including lettings, invest, tax and homes. So, this is your chance to hear from the best of the best, and hear first hand on how Coronavirus is affecting team Property Hub.   In the news this week, we’ve actually got two positive news stories for you, can you believe it?!  The first is about mortgage holidays for buy-to-let investors, specifically those who invest in limited companies. And it’s good news! You are eligible for the mortgage holiday scheme, just like those who have bought in their personal name. That’s actually always been the case, there was just a bit of misunderstanding around it.  The second piece of good news is around the length of mortgage offers. Across the country there are a number of people who have exchanged on a property but it’s incredibly difficult for them to complete on them for logistical reasons and people are no longer allowed to move homes. The good news is that mortgage lenders are allowing 3 month extensions on mortgage agreements so you don’t have to worry about them expiring before you can complete.    Our Hub Extra this week is one we’ve mentioned previously in our Hub Extra email, and it’s Disney+. We all know Rob B is a huge Disney fan so we’re struggling to figure out if he’s subscribed for himself or his family. But what we do know is that a number of the Property Hub team have also been enjoying the classic (and remakes of) Disney movies.  So if you haven’t subscribed to it yet, why not try the 7 day free trial and maybe watch some of your favourite Disney movies as many times as you’d like? 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.
02/04/2028m 59s

ASK229: Should I look for a new mortgage offer now interest rates have fallen? PLUS: How can I help my tenants during this crisis?

It’s Tuesday which only means one thing, another episode of Ask Rob & Rob!  As ‘Coronavirus’ is the word on everyone’s lips right now, there’ll be no surprise to learn that this has spurred many Ask Rob & Rob questions this week - we’ve literally been inundated!  The main question we’ve been asked is around mortgages and the (very) low interest rates we have right now.  Is now the time to be looking for a new mortgage offer now interest rates have been knocked down? The answer might not be what you were expecting - but there’s good reason for that. You’ll have to listen to find out.  The second question is ‘how can you help your tenants during this pandemic?’ Businesses are laying off. The economy is suffering. And you still have bills to pay.  So how can you help a tenant in need? Tune in to find out how you can do your bit. Sit back, relax and have a nice cuppa while Rob & Rob keep you updated on the most asked questions during this time of need.    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.
31/03/208m 20s

Market update: 27 March 2020

Rob & Rob are back again today with another Friday market update for you.  Whilst this week has been a bit of a whirlwind with positives and negatives throughout the media, there were still some headlines The Robs thought needed clearing up. Apparently, the government has put the housing market on hold.  But surprise, surprise… this isn’t the case.  What they’re actually doing is offering advice on buying and selling a property in the current circumstances.  It’s also been said that banks are putting a stop to mortgage lending.  Again, not quite the full story.  This isn’t down to the fact that the banks have no money or are expecting property prices to plummet like some may think. It’s actually due to the fact that they’re overwhelmed by the amount of people applying for mortgage holidays and they’ve had to move their call centres to working from home.  Plus, they can’t have surveyors going out to value properties which obviously puts a delay on things.  So, as well as proving the scaremongering headlines wrong, here’s what else you can expect to hear on today’s episode: How we’ve adapted our business in the face of what’s going on How we’ve still been working on deals Why now is a great time for property investors A look at current stock market And to end on a lighter note, whilst there’s a lot of negativity going around, there’s also a huge sense of community and togetherness which is a lot stronger than anything that could ever break us. Enjoy - and we’ll be back next week! We’d love to hear what you think of our new market updates over on Facebook, Twitter or Instagram. You might even have a question 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.
27/03/2030m 52s

TPP367: A rational approach to the Coronavirus, and the future of the world

It’s another week of The Property Podcast and Rob & Rob are back looking deep into what the future could hold for the long term (not just in property) but for the economy post COVID-19. The whole planet is affected and everyone is talking about it.  Coronavirus.  But today The Robs want to step out of the day-to-day news cycle and look rationally into the situation.  What could potentially happen over the next few months? Right now, the world is pretty much paused, but how will it play out for property in the short and long term?  And does this change where we are in the 18-year property cycle?  It’s so unusual to be in this situation, and we know a lot of people have questions, especially property investors. Full disclosure… This episode isn’t Rob & Rob’s attempt at giving predictions. But you can expect plenty of opinions on this unexpected situation.  Tune in to find out more about how the coronavirus (COVID-19) is likely to affect the property market.   And today, we have a news story that's relevant to our podcast…  The Bank of England has cut interest rates again and orders £200 billion to be printed. As coronavirus crisis threatens all, printing new money and cutting interest rates helps the financial system to support activity  There’s so much happening in the market right now due to Coronavirus - it’s been a huge economic shock. Boris Johnson has also promised to protect private renters from eviction by bringing forward legislation to protect them.   And if you’re wondering where this week’s Hub Extra is… there isn’t one. Today we want to bring your attention to our Friday podcast that'll be going ahead for the next few weeks. The Robs will be covering all the market updates every week to keep property investors in the loop.  Things are changing on almost a daily basis right now, so it’s never been more important to stay up to date on property and market news that could affect you.    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.
26/03/2020m 12s

ASK228: How do mortgage holidays actually work? PLUS: Should I reduce my rent?

It’s Tuesday which means it’s another episode of Ask Rob & Rob, and they’re changing things up today.  Coronavirus has naturally ramped up the number of questions we’ve been getting through. So Rob & Rob have decided to combine some of the popular ones.  The main question we’ve been asked is around buy-to-let mortgage holidays. There appears to be a fair bit of confusion about how these work.  Rob & Rob have addressed the situation to give property investors a better understanding. Here’s what you can expect them to answer: Can I get multiple mortgage holidays? I have properties with several different lenders, will they all honour it? I’ve got a property that's currently empty between tenants, can I get a mortgage holiday on it? If I take a mortgage holiday do I have to defer the rent to my tenant?    As the demand for letting property right now is likely to drop, should landlords be taking a reduction in rent?    Well…tune in and you’ll find that one out!    With all the negative news going on right now, the Rob’s are always here to answer your questions and keep you updated on the property market.    So sit back, relax and have a nice cuppa while The Robs keep you updated on the most asked questions.  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.
24/03/206m 1s

Market update: 20 March 2020

Our world is changing - on almost an hourly basis right now.  The Coronavirus (COVID-19) is affecting people all over the world, so now more than ever, we need to be on the ball with what’s changing, why it’s changing and what the changes mean for the future. So welcome to our new weekly market update! For the past few days, Rob & Rob have been having daily chats and thought they might be helpful for Hubbers to listen to. Not because they have all the answers, but because it might just help others process what’s going on right now.  Today you can expect to hear about: The new measures brought in this week around mortgage holidays for buy-to-let landlords and eviction bans The latest government stimulus and what it means for the economy What effect the Coronavirus is likely to have on property prices A word of warning though…these episodes are unedited so who knows what’s in-store for future updates!  You can also find out today why Rob B is fascinated by quantitative easing and why he thinks we could actually be in prep for a huge boom! Enjoy - and we’ll be back next week! We’d love to hear what you think of our new market updates over on Facebook, Twitter or Instagram. You might even have a question 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.
20/03/2017m 55s

TPP366: Budget review

This week on The Property Podcast, The Robs are diving into all things budget as we may have just had the biggest news this year for property investors!  At the moment the headlines are sadly contaminated...but we wanted to make your day a little more positive.We bet most of you are feeling confused with the negative headlines taking centre stage right now, and that’s why Rob & Rob want to give you that little reassurance you need as an investor.  For most, the budget will now be a distant memory in light of the global pandemic we’re having with Coronavirus, However, we thought it wise to cover the big news unveiled by Boris Johnson at his first budget. We were expecting big promises and the budget certainly delivered on that.  Rob & Rob will be digging deep into the budget plans and making sure you know how the budget announcements could affect you as a property investor and how it affects the economy.  You’ll also find out whether The Robs approve or disapprove of the budget and changes - we just can’t hold them back! Tune in to find out more as Rob & Rob get passionate and delve right in to make sure you haven’t missed any important information from the latest big reveal!    And today, instead of a news story, we wanted to give you a treat.  In times of uncertainty, we need more reassurance, right? Well, for the first time in the 7 years we’ve been podcasting, The Robs wanted to treat you to a triple bill!  That’s right...you’ll be getting a third podcast every week for the next few weeks! There’s so much happening in the market at the moment, so much that the Robs want to make sure that you’re all kept in the loop. Were guessing your alarms are already set for our Tuesday and Thursday episodes. So now you can set one for Friday too.    This week’s Hub Extra is an app recommended by Rob B. Insight Timer which is a free guided meditation app. It helps with anxiety, stress and even helps you fall to sleep! Rob really enjoys this and he couldn’t recommend it enough. A mental break is needed sometimes, so take advantage of this free app and let us know how you get on.   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.
19/03/2014m 35s

ASK227: How will Coronavirus affect the property market? PLUS Major Podcast Update

This week on Ask Rob & Rob, The Robs are answering an important question we’ve been getting inundated with. How will Coronavirus affect the property market? The question came from Adam, but we’ve had the same question a hundred times over.  There has been an immediate impact on some parts of the market due to Coronavirus - most have been negative, but there are still opportunities to be had.   Rob & Rob will be discussing the change in the property market and covering:  Transactions  Letting your property  Arrears Holiday lettings Can you still invest now?   Don’t worry guys! Hopefully it’ll all blow over soon, but if not you still have Rob & Rob to help you, as from now on they will be treating you to a 3rd weekly podcast!  Every Friday Rob & Rob will be updating you on the property market to keep you in the loop. They want to address exactly what's happening (or what could happen) nobody really knows how long this could go on for..    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.
17/03/2013m 3s

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.
12/03/2026m 11s

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.
10/03/205m 55s

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.
05/03/2024m 51s

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.
03/03/209m 1s

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.
27/02/2030m 53s

TPP363: Rob & Rob fix the property market

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.
27/02/2030m 53s

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.
25/02/207m 43s

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.
20/02/2023m 50s

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.
18/02/206m 31s

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.
13/02/2023m 57s

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.
11/02/207m 23s

TPP360: The 7 questions Rob & Rob get asked the most

Do you have questions for Rob & Rob? Well, you're in luck. Today’s episode of The Property Podcast is full of answers that every investor is eager to know. As you can imagine, Rob & Rob get asked thousands of questions, but in particular there are seven questions that always come up.  In today's episode, you’re in for a treat as The Robs answer their most commonly asked questions...  Who are Rob & Rob?  How many properties do they own?  Where is the best place to invest right now?  Where are we in the 18 year property cycle? Houses or flats?  You’ll have to listen to find out the rest…   The Robs go into a whole lot of detail around the questions, so listen and take note, they may be answering a question you’ve been dying to know.  They’re also talking about some exciting news too. Hometrack has released their quarterly figures for the rental market.  What’s has caught our eye?  Well, rents have increased over the last year by 2.6% which is clearly good news for investors. Rents are going up, but they’re also becoming more affordable - which is great news for tenants. Where is the rental growth happening? The top three cities are York, Bristol and Nottingham - listen as Rob & Rob give you their thoughts on this growth and what you should be taking from these insights.    In other news, we’re still pushing on to hit that magic 10K followers/subscribers on Instagram and YouTube! We’ve said that when we reach it we’re going to be releasing this bloopers video! So make sure you go to our YouTube channel and subscribe, and go give us a follow on Instagram and we’ll announce when we’ve hit 10K.   This week’s Hub Extra is something small, but makes your day so much easier. Apple Pay and Google Pay.  A fair few people haven’t adapted to it yet, but it definitely makes your day run that little bit smoother, whether you're on a train, grabbing a coffee or paying for your weekly big shop, it’s just that little life hack that can make a small improvement to your day. You can even load all your different cards on there!  It’s just a little something that removes a little bit of friction; leaving your card at home but still being able to process those little payments. Rob & Rob have only just started using this and they both love 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.
06/02/2025m 25s

ASK221: Is this property too cheap? PLUS: How much should I be paying my letting agent

This week on Ask Rob & Rob, the guys are helping one caller decide whether getting a cheaper property is a risk or should they be going for a property with more value?  Our first caller, Stephen from Glasgow, is currently looking to make another investment. He’s been investing in property for years and currently has £30,000 to invest with.  Stephen has got his eye on a few properties in an upcoming auction which are going for around £25,000-£35,000. But, he’s in a dilemma. He wants to know whether he should invest his £30,000 in the cheaper property or a £120,000 property which could benefit from capital growth.  So, do Rob & Rob think that Stephen should go for the cheaper option or a more expensive property with the possibility of increasing the value?  The second question this week comes from Osman, and he’s got a question on lettings. Osman owns one property and he is looking to get a fully managed service for it. He wants to know what the average fee for a fully managed service is. Osman has had three quotes now, but he isn’t impressed with what he’s received. As Osman only has one property, he’s unsure on how much discount he could negotiate with agents.  So, will Osman be impressed with the average fee for a fully managed service?  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.
04/02/208m 43s

TPP359: The truth about achieving your dreams: One investor’s story

In today’s episode, Rob & Rob are joined by a special guest… Mark Morris. You may or may not have heard of Mark, but he’s a successful property investor who has been in this industry for decades!   The end-game of property investing is to retire right? Well, find out the valuable lessons Mark learnt along the way to his success. It didn’t happen overnight, but he’s about to share his story with us. Mark reveals all with his property journey, about his mistakes, successes and investments. This episode is a MUST listen... Achieving your dreams isn’t easy, but we want to help you get on the right track.  So, are you ready to achieve your goals? Grab a pen and paper and let's start planning!    In the news this week, The Robs have HUGE news for investors and landlords! And they are really happy about this one!  The Government has rejected Liverpool’s renewal of the citywide licensing scheme which is hated by most landlords.  The Robs think this is great news all round as the Government can now focus on areas that are needed and have low standards, which is what the scheme originally intended to do. So this is definitely positive news for our number one location hotspot of 2020!    This week’s Hub Extra is a super basic, super quick but super useful guide!  It actually ties in nicely with today’s podcast episode.  It’s the “How to rent guide” which is a Government document that you need to issue to tenants. This resource automatically checks the Government’s website every hour and if any tweaks have been made you get an email which completely removes the risks of future trouble.  The Robs love this resource; it makes your life hassle free. The best thing about it is that it’s completely free and you don’t have to think about it.  It’s really easy to give tenants an old guide that isn’t updated, which can cause trouble down the line, but it's an easy mistake to be made. Register to get the ‘how to rent guide’ to make sure you don't miss an update. We all love resources that help us!    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.
30/01/2028m 14s

ASK220: Which location should I choose for a buy-refurb-refinance strategy? PLUS: Can I charge my tenant for this damage?

This week on Ask Rob & Rob, the guys are helping one caller decide on which location they should be looking at, and a landlord who’s got damp issues in his property.  Our first caller, Harry from Bristol, is currently preparing to make his first property investment. He’s only interested in receiving cash flow at the moment, so his strategy is buy, refurbish and refinance. He’s in the process of scouting for locations so he’s turned to Rob & Rob for advice. He’s keen on the North West or South Wales however, South Wales is closer to home.  With Harry's strategy, should he be investing in an area closer to home or taking the risk and investing in the popular North West?  The second question this week comes from Boris. Boris has a tenant that is due to vacate his property and has discovered that there’s quite a bit of mold and damp. This is partly due to how the property is built, with lack of ventilation.  He wants to know if he’s entitled to ask the tenant to pay for redecoration where it’s needed in the property.  In addition to this, Boris mentioned he wants to change to a new lettings agent, but what happens about the money held in deposit?  So, Boris wants to know if both letting agents new and old can work together to get the work on the property completed. Can he charge the tenants or will he have to pay himself? 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.
28/01/208m 33s

TPP358: Smash the new decade and change your life (Warning: Contains ranting and swearing!)

First of all, we’d just like to warn listeners that this episode of The Property Podcast does contain a few curse words, but it’s down to Rob & Rob getting rather passionate. Because today’s episode has the potential to change your life… In today’s episode Rob & Rob are going to be giving you a framework that will set you up for massive success. So, how can you smash this next decade? Let’s find out… Decide what you want  Be willing to do difficult things  Beware of the cost of perfection  Think long term  Mindset  The Robs go into a whole lot of detail around these five topics. So much so that you’re probably going to want to grab a pen and notepad before you start listening.  So, grab a cuppa, settle in, and let Rob & Rob guide you through how you can smash the next decade!   In the news this week, The Robs are grinning like Cheshire cats as a headline from the Express reads, ‘UK Property: Largest monthly increase in asking prices EVER recorded after Election 2019’. According to data from Rightmove, asking prices have risen by 2.3% which is equivalent to an average increase of £6,785!  Just remember, these are asking prices and not sold prices which doesn’t necessarily mean that house prices are about to jump 2%, but it’s interesting to see the optimism of sellers.    We’ve also got a treat for you this week. Our marketing team are d