The Property Podcast

It’s a Tuesday, which means Rob & Rob are answering another pair of your questions!  First is a question from an avid listener, Maddie.  She’s getting far in her investment journey, and she wants to know the sweet spot of rental income percentage when you’re hoping to finally quit your job.  Taking a buffer for maintenance costs into account, Maddie wants to know what percentage she should aim for.  The second question is from Gazi.  He wants to know if the current cost of living crisis (and rising interest rates) mean that now is not the right time to do a flip.  But if it is, how does he mitigate the risk as far as an exit strategy goes.  Press play and hear what Rob & Rob have 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.  T

Unless you’ve been living under a rock, you’ll know the last week has been a hectic one for investors.  The Mini Budget (and subsequent backtracking), the removal of mortgage products, shocking headlines and political positioning... it’s been hard to stay on track for most of us.  So there’s really never been a better time for a Market Update!  If you want to know the impact of the pound dropping, understand how quantitative easing has returned and why so many mortgage products were pulled from the market, Rob & Rob have all the answers you need.  Stay tuned until the end as they tell listeners how they’re adjusting their own strategies in the face of all these changes (and also share details about next week's 500th episode). Enjoy!  Here’s all the links you need;  Mini Budget fallout  QE is back (and how this impacted the falling pound)  Mortgage products pulled  The market slowdown continues  Savills commentary on the mortgage market  Prices are falling in the hottest markets  Rents are rising,

Rob & Rob are back with more answers to your questions.  Gareth from The Wirral has been a listener for years, and as a result he’s got a question about the 18-year property cycle.  If we’re in year 15 of the cycle, he wants to know what preparation he should be carrying out in anticipation of an inevitable crash.  Rob & Rob’s answer touches on mortgages, deal sourcing and how to choose where to invest.  Next up is Max from Milton Keynes.  He’s in the process of remortgaging his house and planning to start a buy-to-let portfolio, and he’s got a 3-month emergency fund to cover all bills and expenses.  He's calculating a 10% buffer with the buy-to-let properties he’s looking at, but wants to know if that’s necessary when he’s got the emergency fund.  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). 

A Mini Budget with maximum impact?  We know you’ve been waiting for this episode...  Last week's Mini Budget announcement wasn’t just about Stamp Duty. Income Tax, National Insurance... there were plenty more changes included, and all these changes can impact investors.  The Robs have broken down the Budget in this week’s episode and let us know whether they think this is a good or a bad one (stick to the end for a ‘rant’ from one of them).  There’s also an announcement about the 500th episode of The Property Podcast – yes, we’re almost at episode 500!  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.

This week, Ask Rob & Rob is all about mortgages.  Sam from London wants to know how long she should be fixing her mortgage for, given the discussions about inflation. Should she fix for as long as possible or go with two years?  Rob B tackles this one, sharing details on his own mortgage to help Sam out.  Then we’ve got a strategy question from Tom.  He wants to know if it’s smart to opt for an interest-only mortgage for his residential property.  His idea is to save the difference between the interest-only payments and what he’d be charged for a repayment mortgage.  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

It’s your update on the current mortgage market The thing on every investor’s mind is... mortgages.  Which rates are good rates? How long should you lock a mortgage in for? What should we be searching for in a mortgage advisor?  The Robs know there’s a bit of a mortgage meltdown happening, and that’s why they’ve brought on a mortgage expert for this week’s episode.  They ask all the questions you want answers to (and ones you’ve not thought to ask) in this episode.  Hub Extra This is an app that Rob & Rob both use and are big fans of.  And they didn’t even recommend it to each other!  Todoist is an organisational app, and it’s very one-track-minded, which Rob D says he enjoys.  To find out how Rob & Rob utilise the app, hit play on this 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. 

We’re back with more listener questions on Ask Rob & Rob.  First up, we’ve got a question from a listener (who forgot to leave their name, so we’ve christened them Billy).  They’ve been hearing about lease options from a mentor, and wanted to know more about purchasing lease options as a strategy.  Does this make sense or is it a dated way of approaching property?  And next is a question we’re sure lots of you can relate to – what to do about EPC ratings?  James has just purchased a property that’s currently rated a D, and he wants to know what the best option is for him moving forward.  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 th

How will rent freezes and eviction bans affect property investors? It’s official, the scary headlines are true... Scotland will be introducing a rent freeze and eviction ban in response to the cost-of-living crisis.  But how will this affect property investors, and will the rest of the UK follow suit?  Tune in to find out what’s happening and what it means for you.  Hub Extra We’re all big readers here at Property Hub HQ and this week Rob B is bringing us the reading hack that completely changed his life!  This mindset was first introduced to Rob B by Naval Ravikant, and it’s completely shifted the way he thinks about reading.  Has a book ever become so disinteresting to you, that finishing it actually feels like a chore?  Well, what if we told you you’re under no obligation to finish that book? If the book is no longer adding value or entertaining you, then skip ahead a little and if it’s still not interesting you – don't finish it!  It seems so simple, but it’s such an alien concept to most, as for

It’s Tuesday and you know what that means – Rob & Rob are back answering your questions!  Paul’s kicking us off this week, and he’s got a question about buying off-plan property.  Paul’s still new to investing, but he’s already exchanged on two off-plan properties in Manchester city centre that are due to complete in Q2 of 2024 and he’s considering getting a third.  However, he’s now wondering if it’s actually a good time to be buying off-plan.  When the time comes for him to get a mortgage, will interest rates be even higher? And could he actually struggle to get one due to not meeting lending criteria?  Next up, we’ve got a question from Ed.  Ed is also new to investing and currently has a freehold property in London. He’s currently soaking up as much Property Hub content as he can, but he wants to know if Rob & Rob could recommend the best podcast episodes for beginners like himself.  Tune in and find out what the guys had to say.  Looking for the links? They’re right here:  New to The Property

Where’s best to invest in the UK?   Our hotspot episodes always go down a treat and are usually one of our most popular episodes of the year, but we think this one might be even better...  If you think Rob & Rob don’t cover Scotland and Wales enough, today is your lucky day - as they’ll be revealing the top three places to invest in England, Scotland and Wales.  So, if you’re planning your next investment, you might want to start looking into these locations...  In the news  You might’ve guessed what news story Rob & Rob would be chatting about today, which is of course, we’ve got a new PM!  This is the third new Prime Minister the UK has seen in the last six years without a general election, so what have the guys got to say about it and how this will impact investors?  Hub Extra  We’ve been ramping up our YouTube channel here at Property Hub, so of course Rob & Rob have been spending more time on YouTube and searching for some of the platform's best content!  So, it’s only right that they recommend

It’s time for some more listener questions!  And getting us started this week is Helen.  Helen has three rental properties, each of which are on fixed rate mortgages, which are due to end soon in 2024-2026.  Helen’s hoping Rob & Rob can shed some light on what she can do to prepare for her fixed rates coming to an end.  Next up, we’ve got a question from Dan.  Dan’s sister is currently looking for a property to rent, and he’s had a thought! As he’s looking to get into property investment, should he purchase a property and rent it out to his sister?  It seems like a win-win situation as his sister gets a landlord she can trust, and he’d get a reliable tenant from the get-go.  Do Rob & Rob think it’s a good idea or is it a disaster waiting to happen?  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)

It’s the September Market Update Rob & Rob are back with your monthly update!  It’s all doom and gloom in the media, and with negative headlines everywhere you look, it can be difficult to keep up!  But don’t worry because Rob & Rob have got you covered...   All the links you need are right here:  House Prices  Rightmove House Price Index  Rents  Rising prices see renters stay put  Historic low for voids as rental market under-supply goes on  Rent rises lag far behind inflation - new government figures  Generation Rent promoting new rent freeze campaign  Mortgages  Weekly rate watch: Prices take cue from weather with significant rises  Holiday Lets  Number of active holiday lets increase by as much as 33%  Landlords evicting tenants for Airbnb and holiday lets, report finds  Anti-second home sentiment builds as building society stops lending  And finally...  New political party calls for rent controls and no “landlordism”  Hub Extra  We’ve got a cracking recommendation

It’s Tuesday, so we’re back with more listener questions.  First up this week is Becky from Essex.  Becky’s about to complete on her first buy-to-let deal (three cheers for Becky!), but she’s already looking at her next deal...  She wants to buy the flat above hers, off-market, and she’s wondering how much discount she could get with a deal like this?   Becky’s also hoping Rob & Rob can shed some light on how off-market deals work, and how the process differs from a standard purchase.  Next up is a cracker of a question from Alex in Devon.  After using a cash loan from a friend, Alex purchased his first property a year ago and now he’s about to repay the friend after increasing the property's value and remortgaging.  His friend wants to extend this partnership and re-loan him the money. Alex wants to go ahead with the loan and split it into two £50k deposits, but he’s hit a roadblock.  His broker has advised that lenders aren’t likely to loan to him due to his friend wanting to have a second charge fo

What’s going to happen with inflation and interest rates? With inflation and interest rates rising, every investor wants to know...  What’s going to happen next?  Are we going to see further increases or are we hurtling towards a recession? And whatever the answer - how will this affect house prices?  Rob & Rob have done a deep dive into the data, so you don’t have to and they’ll be answering all of those questions today on The Property Podcast.  In the news If you’re not fluent in Welsh but you’re hoping to buy in Wales, now might be the time to scrub up your knowledge, as it’s been revealed that landlords in Welsh-speaking communities may have to prove they speak the language.  This scheme is looking to restrict the number of second homes and free up affordable housing for locals.   If the scheme goes ahead sellers will also have to list their properties to locals for a set period of time before they can list their property to the wider market.  What are the chances of this passing, and what do The

Rob & Rob are back for another round of listener questions, and they’ve got some cracking ones!  Kicking us off this week is Luke from London.  The market is hot right now, that’s no secret and this combined with the aftermath of Covid-19 and the war in Ukraine Luke is wondering if what the 18-year cycle predicts is still accurate...  Will we be waiting until at least 2026 for a crash or are we heading towards an early winner's curse?  Next up, Sophie’s looking for some advice on an upcoming purchase.  She’s looking to purchase a property, but it currently has no kitchen or bathroom, so lenders won’t mortgage it due to it being uninhabitable.  Sophie plans to borrow some cash from family/friends to top up her savings and buy it outright. Once she’s bought the property, she plans to install a cheap bathroom/kitchen with the hope that she’ll then be able to remortgage.  She’d like to know what Rob & Rob think of this plan and if they have any other suggestions to help her get the deal across the line. 

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