The Property Podcast

Is the property market headings towards a halt? There’s a lot happening in the market right now.   With a rumoured recession on the horizon, combined with interest rates, inflation, and the cost of living on the rise, are we starting to see the signs that the property market is slowing down?  Rob & Rob will be revealing exactly that on today's podcast.  They’ve been combing through the data, reaching out to their huge network and using their own observations to find out exactly what is going on with property market right now – and honestly, the answers might surprise you.  Major Announcement  Hub Extra is having a little revamp... and in true Property Hub style we’re making it even more valuable for you!  From next week, Rob D will be sending you a newsletter straight to your inbox every. single. week.  He’ll be sharing his opinions on the market, plus the top news that you, as an investor, should know about... and there may be a few little extras along the way.  This 5-minute read will give you ever

It’s that time of the week – Rob & Rob are back answering your questions!  And kicking us off this time is Kevin.  Kevin is finally ready to purchase his first buy-to-let and he’s keen to get stuck in, but he was a little disheartened when he saw how much tax would be cutting into his profits, so he’s been reconsidering his strategy.  As a result of his calculations, he’s had to rejig the scope of where he was looking for property and he’s noticed some super cheap student lets in the North West.  He wants to know if student lets are a good route for a beginner like himself or should the alarm bells be going off?  Next up, we’ve got a question about profits from Alex down in Somerset.  Alex has been listening to the podcast for around a year now, and he’s saved up a pot of profits from his buy-to-let. But before he starts dreaming about all the holidays, he wants to know how Rob & Rob would split their profits?  Is there a recommended way to split profit? Or is there a particular amount he should be put

How do millionaires invest? Have you ever wondered how the super-rich invest?   It’s not often you get a glimpse into how millionaires invest or what their portfolio looks like, but we’re bringing you exactly that today on The Property Podcast.  If you’ve ever spoken to a financial advisor and asked how you become rich, they might tell you something along the lines of “invest in stocks and bonds” but is that how the rich actually do it?  Tune in as Rob & Rob give an exclusive look into:  How they invest  What they invest in  How their investments are spread  In the news The Bank of England is back in action as they raise the base rate by 0.5% bringing it to 1.75%.   It’s still extremely low by historical standards, but this alongside a predicated 13% inflation by October is bound to have an impact of the property market.  Are we going to start seeing the market slow down and how will this affect house prices?  Hub Extra  If you want to seriously up your communication skills at work and in busin

Rob & Rob are back with more listener questions and wow, we’ve got some cracking ones for you this week.  Getting us started is Ben.  Ben is currently looking to purchase his second buy-to-let, but after completing a survey on the property, he’s been told that there’s around £11,000 worth of repairs needed on some damp and the roof.  What Ben would like to know is, does this give him the chance to renegotiate the purchase price?  The original offer was a good one and slightly over market value, but with the potential cost of work hanging over his head, he’s thinking that what started off as a good deal, will become a bad one.  Should he try and knock the costs off the purchase price?  Next up we’ve got a question from Alex.  After listening to the podcast, Alex and his wife first took the plunge to invest back in January 2020 and they’re currently completing on their fourth. Today they’re hoping Rob & Rob can help them with the sticky situation they’ve found themselves in.  We all know that inflation

Your August Market Update is here!  It's been a busy month, so Rob & Rob have plenty of headlines to get through in the latest market update.  From fast-growing cities and the removal of mortgage stress tests, to people getting the wrong investment advice from TikTok, The Robs are breaking down the biggest news of the month for you right now.  Stay on top of the industry’s breaking news by tuning in now. And all the extra links you’ll need are below.  Property prices  House prices growing at fastest rate since 2004  Growth is fastest in cities  Viewings have fallen by a third  The rental market  Rents have increased by 3% in the last year  Rents are growing fastest in Manchester  More tenants are renewing in London  Mortgages  Stress tests removed  Political pressures  A leading charity wants the rental sector to shrink  Labour’s “war” against holiday lets  All holiday lets to be licensed in Wales  Odds and ends  A third of all transactions fall through, and the ones that succeed take over

It’s time for some more listener questions!  Kicking us off this week is Deemada.  Deemada is searching for his second buy-to-let deal but increasing interest rates have got him thinking about his profit margins.  He wants to know if higher rates will squeeze his profit and if so, should he still be considering buy-to-let right now?  Next up, we’ve got a question from AJ in London.  The latest legislation, especially the proposed removal of Section 21 has got them worrying about how this is going to impact landlords, particularly with rent increases.   They currently review their rent annually and adjust it according to the market – sometimes it goes up, sometimes it doesn’t. But they’re worried that this change in legislation could leave them short if a tenant refuses to accept the rental increase.  Do Rob & Rob have any thoughts on 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

What cities are best for yield? Usually, when we talk about the best places to invest, we’re looking at capital growth, but there’s plenty of investors that focus on high-yielding deals.  So, Rob & Rob have done a deep dive into the data, and they’ll be revealing the best cities to invest in if you’re investing for yield.  Not only will they be sharing the top five cities in terms of data, but they’ll also spill the beans on which of those cities they’d personally invest in.  In the news  Great news for the UK as major cities across the country land into Timeouts' top 53 cities in the world - with Scotland landing two cities in the top four!   The rankings are based on various things including safety, sustainability, and even nightlife.  It’s great to see some of the UK’s best cities being recognised globally and even beating places like New York and Paris.  Hub Extra  Working through your emails is never someone’s favourite task, but it can certainly be a quicker one with this week's Hub Extra.  Ro

Rob & Rob are back to answer more of your questions!  The Bank of England have been increasing interest rates, and there’s no signs of this slowing down anytime soon – that's why Tom wants to know what he should do about his mortgage.  One of Tom’s properties is on a 5-year variable rate mortgage with the possibility to leave at any time with no fees.  With the potential for interest rates to continue to soar Tom wants to know “Is now the time to switch to a fixed-rate mortgage?”.  Next up, we’ve got a question from Shaz in Derby.  He’s currently looking at purchasing a tenanted property, where the tenant is on a rolling, short-term contract. Shaz isn’t too impressed with the rent they're paying though, as it’s around 20% under market value.  He wants to know what his options are, and the best practice for raising the rent to meet the current market value.  Tune in to find out what advice the guys have got this week.  Do you have a buy-to-let or property investment related question for Rob & Rob? You

How is Rob D’s pandemic purchase performing?  Today we’re taking a little glimpse into the past as we review one of Rob D’s riskier investments.  The height of the pandemic might not have seemed like a great time to buy, but that didn’t put Rob off getting his hands on a Property Hub Invest discounted deal in Nottingham.  And now it’s been around two years since he made the purchase, we thought we’d take a closer look at how it’s performing, share any lessons Rob learned along the way and answer the biggest question of them all – does he regret it?  In the news Now if you’re a long-time listener you’ll know we’re fans of Liverpool, and if there wasn’t reason enough, this latest headline will definitely help you understand why!  As Liverpool has seen a 160% increase in Chinese and Hong Kong purchases since 2017.  Now Liverpool’s world-wide reputation has always seen it performing better than other major cities in terms of overseas purchases, but what does this buyer boom actually mean?  Let’s get socia

It’s our favourite time of the week - Rob & Rob are back with another round of listener questions.  First up, this listener wants to know the best way to achieve his goal of a passive income of £2,000 a month.  He’s figured out that to achieve this he’d roughly need around seven buy-to-let properties, and he’s got a few ideas of how he can get there.  He’s recently completed a flip with a friend and has around £75,000 in profit that he can use to invest again.  Should he continue flipping until he has enough cash to purchase all seven buy-to-lets at once, or should he purchase a couple of buy-to-lets now, let the market do its work, refinance and then purchase more properties later on?  Next up, we’ve got a question from Kieran in London.  Kieran’s recently come across the term ‘deal sourcing’ and he wants to know what it’s all about. What exactly does deal sourcing mean and is it a good idea?  Tune in to hear what Rob & Rob think.  Do you have a buy-to-let or property investment related question for

How will the new white paper affect landlords?  This has got to be the most anticipated piece of legislation that landlords have been waiting for, FOR YEARS and it’s finally here.  The government have laid out their proposals for the Renters Reform in their latest white paper, and it’s completely transformed landlord/tenant relationships forever.  With news on notice periods, arrears, evictions, rent controls and so much more, we’re surprised at how little coverage this huge update has received.  Now, it’s a very long document, but we’ve read it and we’re going to summarise everything you need to know in today’s episode.  There’s A LOT to cover as this report is going to completely shake up the industry.  In the news There’s a lot going on in the political world right now, including a new Prime Minister on the horizon, but that’s not the only important change we’re seeing right now.  The UK government has appointed a new housing minister... again.  It’s not the first time we’ve seen a reshuffle in th

Rob & Rob are answering some cracking questions for you this week, so let’s get stuck in!  First up Claire who’s wondering what she should do with her short-term savings.  She currently has three buy-to-let properties and is looking to purchase her fourth. As she’s unable to release any equity for around 18 – 30 months, she’s been building up her deposit in the bank.  But as a fan of The Property Podcast, the recent Inflation episode has got her wondering if there’s something else she could be doing with her savings in the short term to stop inflation eating away at them.  Next up, Ollie from Wiltshire has a question about mortgages.  He’s hoping to purchase his first property soon and is initially planning to live in it before he turns it into a rental property. What Ollie would like to know is should he get an interest only or repayment mortgage?  Tune in to find out what advice Rob & Rob have got for our listeners this week.  Do you have a buy-to-let or property investment related question for Rob &

Your July Market Update is here!  It’s that time of the month! It’s market update time… and it’s a biggie!  Rob & Rob have got a lot to cover, from the property boom and build-to-rent, to the best places to invest and the booming rental market (yes, it’s still booming!) and so much more!  Tune in and make sure you’re all caught up. All the links you need are just below:  House Prices  Latest Hometrack report  Knight Frank revises up its house price forecast despite cost-of-living crisis  ‘Dash for property over’ as price growth slows - Nationwide  Zoopla: 'Forced sales unlikely but price growth will slow'  Property Boom  Bank of England withdraws mortgage affordability test  No 10 considers 50-year mortgages that could pass down generations  Halifax lowers deposit needed for new build houses  Rental Market  Eye-watering rent rises as increasing inflation grips the UK  A third of all new homes in London are build-to-rent  LATEST: 820,000 private rented households facing gap betwe

Rob & Rob are back for another round of listener questions!  Getting us started this week is Kieran.  Kieran is an estate agent in the East London area, and over the past 14 years he’s watched the market go from strength to strength.  So, when he came into £200,000 in inheritance, he of course wanted to get involved as he knows the area well and has built up a good network.  He’s recently witnessed the success of the Crossrail plans and the growth it’s brought to London with it, and it got him wondering about Crossrail 2.  He’d love to know whether he should expand his search to the home counties as the proposed plans for Crossrail 2 could have these areas mimicking the success he’s seen first-hand in East London.  Next up, we’ve got a cracking question from Klara.  Klara’s looking to buy her first investment property, but she wants to know the best way she can bag herself a deal.  Should she find a reliable and reputable sourcing company or save herself some pennies and get deal hunting?  Tune in to

How are Rob & Rob’s predictions faring? It’s been a bonkers start to the year, and it’s fair to say that a lot of unpredictable things have happened.  So, we thought it’s about time we do a little check-in on how Rob & Rob’s predictions are faring at the half-way point.  From top performing cities to national property growth, the London market, inflation, Bitcoin and so much more… the guys placed their bets on what would happen in 2022.  So, tune in as we dig into the numbers and see how right (or wrong) they are so far!  Plus, they’ll be answering the question that’s on everyone’s lips right now – is the property boom coming to an end?  In the news  This week’s news story could divide our listeners, as depending on how you view the world this could be great news or really worrying as UK mortgage lenders told they can scrap affordability rule for buyers.  It’s official, the Bank of England have scraped affordability rules and buyers will no longer need to undergo a stress test.  Could this be incredi

It’s our favourite time of the week! Rob & Rob are back with another round of listener questions.  Getting us started this week is Dan.  Dan currently has a portfolio comprising of 4 properties, one of which he lives in. These aren’t massively leveraged, and he’s got a fair bit of combined equity but he’s not quite sure how much.  What he wants to know is how can he figure out how close he is to the financial freedom he’s been dreaming of?  Next up we’ve got a cracking question from Colin.  Colin and his business partner have been working their way through The Property Podcast back catalogue and have now kickstarted their property investment journey.  They’re now underway with their first Buy-to-Let investments - two off-market properties with tenants in-situ in the North West.   Their offers have been accepted and they’ve managed to secure lending, but what they want to know is Rob & Rob’s top five tips for preparing to purchase properties with tenants in-situ!  Tune in and hear what the guys have go

These investing principles will help you prosper  The world is a strange place at the moment and it’s certainly a difficult one to navigate, especially in the world of investing.  It’s the most interesting time for not only the property market but every market out there.  If you joined us on the podcast last week or have managed to get your hands on Rob D’s new book you’ll know exactly where we are right now and what the financial environment of the future will look like, giving you that edge when you’re deciding what to invest in.  But we’re about to make it even easier for you as Rob & Rob reveal the five investment principles that will make you wealthy. If you harness these principles not only will navigating the market become easier for you, but you’ll prosper as a result.  So be sure to tune in – you won’t want to miss out on this.  In the news We’ve got a huge news story for you this week, in fact, it’s so big we think we’re going to have to cover it in a lot more detail over the coming weeks. 

Rob & Rob have two fascinating questions to answer this week!  First up is Lukas, who’s asking a question right of the back of attending a webinar (a seriously dedicated listener!). Now the market is hot, Lukas has got an opportunity to pull cash out of his properties.   However, he refinanced a property in the past only to have it valued under what he paid for it. As Lukas thinks there will be a crash in the next 2-3 years he’s worried about prices dropping in a crash leaving him over leveraged.  Rob & Rob have some excellent advice for avoiding this trap – and also some cautionary words about a crash.  Next up is George from Bristol, who’s in the process of buying a home to live in. It’s in a village, which isn’t something we usually discuss on the podcast, but as it’s for George to live in rather than a rental. However, he’s discovered that there is planning permission for homes that will double the size of the village.   So now he wants to know, will this extra supply negatively affect house prices?

Do you understand the financial landscape?  This has to be in our top 10 MUST listen podcast episodes - and it’s a big one.  With 50 years of financial history to run through Rob & Rob have got plenty to cover. They’ll start with the HUGE event in 1971 that completely transformed everything about the world of money, what has played out ever since and how it’s going to affect what’s to come.  Once you understand what’s going to come next, you’ll be well on your way to better position yourself to make smart investment decisions, so you definitely won't want to miss this.  In the news   With the government leaking stories that their next announcement was going to completely transform the market we were eagerly awaiting what they had to say.  And to be honest, we were sort of disappointed as their huge announcement was that they’re planning on extending the right to buy scheme to housing associations.  What do the guys have to say about this ‘transformational’ announcement?  Hub Extra  Of course, this w

It’s Tuesday and that means Rob & Rob are back answering your questions!  First up is Ash. She’s a huge fan of the podcast and especially looks forward to the Market Updates. So, it’s no surprise that she’s noticed the economic warnings that a recession is likely in the UK this year.   Indeed, just yesterday leading economist Dr Gerard Lyons told the BBC: “A recession is likely in the UK and, I think, a recession is likely across Western Europe.” Which is pretty direct, especially for an economist.  So, Ash wants to know, what will a recession mean for property prices? Is now a bad time to buy if there is going to be a downturn? A great question, and one Rob D is especially well placed to answer, having just finished a book on how money actually works.  Next up is Pete, who controversially doesn’t have a question, but instead has opted to issue a warning! We’ll let Pete off this rebellious change to our format because he has an important warning about new tax rules that will affect almost all landlords.