The Property Podcast

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

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 strateg

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, p

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 need

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.

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

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 di

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 w

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 mark

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 p

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

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

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

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 coul

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

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

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

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 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 a

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 thi