The Property Podcast

This week on The Property Podcast, it’s one of the most popular episodes that The Robs do throughout the year.  If you’ve listened to every every episode of The Property Podcast, you’ll know that at the end, Rob & Rob like to give you a tool or resource that you can go away with and put into practice. We are, of course, talking about Hub Extra. And this week we’re doing a round up of the best Hub Extra mentions that Rob & Rob have shared throughout the year.  So grab your pen and paper as the guys go through their favourite: Books Podcasts  YouTube channels TV episodes/series  Apps & tech  It’s a fantastic episode and you’ll definitely walk away with something valuable, even if Rob & Rob aren’t talking about property.  And even though we’ve given you a complete run-down already… here’s something else if you’re struggling to find that perfect Christmas gift for that property lover in your life.  You can now buy a gift voucher to our Property Hub Magazine! Just simply click this link, pay up front

It’s the final Ask Rob & Rob of 2019! But before the guys disappear for the festive holidays, they’ve got one more question they’re answering.  And this week it’s from the big man himself. Our caller, Nick, is wanting to know when Rob & Rob are going to do their yearly roundup of Hub Extra, and he’d also like to see The Robs do some live events in 2020.  So what have The Robs got in store for us to round up the year and look forward to in 2020? 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 yoursel

This week’s episode of The Property Podcast is a pretty important one. As you should know by now, next week is the general election, and it’s kind of a big deal.  The manifestos have been flying around all over the place with the parties promising this, that and the other. And to be honest, it can get quite confusing.  So what do each of the party policies mean for property investors? Well, that’s exactly what Rob & Rob are going to dive into and dissect in today’s episode. Sit back, relax and take notes as the guys look into each of the following policies: Conservative Labour Lib Dems Green Party  It will certainly be one of the more important podcast episodes we’ve done this year and it will definitely help if you’re more confused than ever on who to vote for.    This week for Hub Extra, Rob B has a book recommendation. ‘How to Be Like Walt: Capturing the Disney Magic Every Day of Your Life’. Not only does it tell the story of Walt Disney and his journey of how he created the Disney brand, but yo

Rob & Rob are back again this week to answer two more of your burning questions. The first caller this week is Sam who is stuck in limbo. She’s in a bit of a situation that you might not often find yourself in, but that doesn’t mean you might not be in Sam’s position at some point in the future.  Sam is using a certain solicitor, however the lender that she’s using for her mortgage isn’t on the same panel. So, in order to get the rate that she wants with this lender, she’ll end up paying extra legal fees.  She’s not 100% sure on how this works and if there’s a way to factor this into your costs or not.  So what advice can Rob & Rob offer to Sam?  Our second question this week comes in from Marcus from London. Marcus has a buy-to-let property in his personal name which he is about to move over into a Limited Company.  He’s wanting to understand the tax implications around this.  Essentially, once he’s moved the first property into a Limited Company, when he buys a second property in his personal name, w

We’ve got an epic episode for you. This week on The Property Podcast, Rob & Rob are sharing just how they made £130 million worth of investments happen this year!  Before you get the wrong end of the stick, this isn’t an episode of them bragging about their achievements. Oh no. They’re actually going to tell you exactly how they’ve done it and where they did it, so you can do it too.  One question Rob & Rob get asked all the time is: “where are you investing?”  And rightly so. They’re experts in this field so naturally, you want to invest where they are.  We’re not just sharing where Rob & Rob have invested, but where Property Hub Invest clients are investing too. Sharing is caring.  At the beginning of the year Rob & Rob shared the top five locations across the country that they were going to be targeting throughout the year. These locations were: Manchester Liverpool Leeds Sheffield  Nottingham So how many have the guys been able to tick off this checklist?  Tune in to find out!   Our news s

This week on Ask Rob & Rob, the guys are back again with two different questions that they’ve not covered previously. They’ll be talking about what to do in the event of there being a lack of comparables discussing if properties that have lost value are worth investing in now. Our first caller today is Paul from Burnley. At the beginning of the year Paul purchased his first buy-to-let property and now he’s hoping to soon complete on property number six!  That’s pretty good going for less than 12 month’s work!  Paul’s strategy is buy-refurbish-refinance with a difference - he focuses on  bungalows. So not your usual property choice, but clearly it’s working for him. However he’s now ran into a bit of an issue. Because it’s such a niche strategy, he’s having difficulties when it comes to searching for comparables in order to remortgage the properties.  Obviously Paul’s end game is to have made as much profit as possible on the properties, so he’s wondering what he can do to prepare that information when th

This week on The Property Podcast, The Robs are doing something a little different. Rob B is interviewing Rob D on his own property development exploits.  One of our most popular podcast episodes this year was when we discussed our project in Crewe, which was a rather eventful and emotional journey to say the least. If you haven’t listened to that episode, you can do so here.  But amazingly, that wasn’t enough to put off Rob D. He’s just done a property development project just outside of York.  In the episode you can expect to find out: What exactly this development was What the results were  What went wrong What went right  And what lessons Rob D learnt from this project So sit down, grab a brew and tune in as Rob B picks Rob D’s brain about this new property development.    In the news this week, Savills have predicted that house prices are going to increase by £35,000 in five years for some parts of the country. No shock that it’s actually in line with what Rob & Rob have been saying througho

Rob & Rob are back again this week to answer more of your property related questions. So let’s get started!  First up we’ve got Catherine from Bristol who is well underway with her property investment journey having built up a portfolio of five buy-to-let properties. She’s looking to build this portfolio to eight properties in order to achieve the income figure that she has in mind. The end goal is to be able to make big changes to the way she and her family live their lives. Currently, one of her properties in London is on an incredible mortgage rate of 1.54%! Definitely not the kind of rate you’d get now.  After speaking to two mortgage advisors, both have said that she could release around £125,000 in equity from this property, so she has the deposit she needs to grow her portfolio. However, this means giving up the amazing mortgage rate she’s currently on. If she were to do this, straight away she’d be paying around £9,000 more a year in mortgage fees on that one property. Wowza! So should she wait

This week on The Property Podcast, Rob & Rob are talking about landlord licensing. We know it’s not the most exciting of topics but it’s up there with one of the most important as a property investor. And luckily for you, The Robs will be talking you through exactly what licensing is and what you need to do.  You may have ignored this topic in the past because it only ever applied to HMO’s - and maybe you’ve thought that this is still the case. But now, depending on where you are, even with single let properties, landlord licensing is something you might need to know about.  Here’s what The Robs will cover in today’s episode: What are the requirements? How much does it cost? Will they inspect the property? What should you do? What if you should have a licence but don’t?  This is a full-on episode, full of regulatory need-to-knows. If there’s one episode of The Property Podcast you need to listen to… this is it. By the end of the episode, you should be completely clued up on whether you need landlor

Rob & Rob are back again this week to answer two more fantastic property questions from two of our listeners. This week our first question comes in from Luke in Manchester, who’s been inspired by The Property Podcast to get started in his investment career.  Luke is in a situation that most people are probably in when trying to start their buy-to-let journey. He’s looking to purchase his first personal home and an investment property at the same time.  At the minute he’s only going to have enough funds for one mortgage so he’s considering buying a two bedroom apartment (or house) and is looking to rent out the second bedroom. But he has a few questions around this: Is there a particular mortgage he’ll need to enable him to do this? How much stamp duty will he have to pay? Are there any other considerations? ...and is this actually a good idea? Find out what Rob D thinks of this idea and if it’s actually doable. Maybe this could work for you as well.  Our second caller is Sally who has a question ab

Last week Rob & Rob were joined on the Property Podcast by Build To Rent expert, Richard Berridge. Well, he’s back again this week for a second episode on the new craze that is Build To Rent.  In last week’s episode, The Robs covered what Build To Rent actually is, and this week they’re discussing why it matters for you and what the future of Build To Rent might look like. Here’s some of what you can expect The Robs and Richard to cover in today’s episode: What will Build To Rent look like in 10 years time? What’s going to slow it down? How will Build To Rent properties react to market cycles? What marks an area as suitable or unsuitable for Build To Rent? There’s plenty more to be covered in this week’s episode too. So, should you be afraid or optimistic about Build To Rent? You should have a clearer picture after this episode. So tune in to listen.   This week’s news story is possibly one of Rob B’s favourite headlines, ‘Welcome to Manc-hattan: how the city sold its soul for luxury skyscrapers’

This week The Robs are answering two fantastic questions on investing in Birkenhead, and talking about whether you should be overpaying on your mortgage. These are two questions that will definitely benefit a lot of listeners. Joe from Leeds got in touch recently, he’s currently living in London and has a budget of £80,000 - £100,000 and he’s looking for a buy-to-let deal up north.  He’s considering our hotspot areas of Leeds, Manchester and Liverpool but has noticed significant growth in the Liverpool area.  However, he’s wondering if Rob & Rob have any insider tips on investing just across the water from Liverpool, in Birkenhead. Could this be a good contender for capital growth when the ripple effect kicks in? Now we know this is an area that holds a special place in Rob B’s heart, so does he automatically think that Joe should be investing here?  Next up we’ve got Adam from Surrey. Before listening to The Property Podcast, he bought his first buy-to-let property on a capital repayment mortgage and ha

This week Rob & Rob are joined on the podcast by Build To Rent expert, Richard Berridge. After listening to this episode, you’ll know more about Build To Rent than most people in property.  Build To Rent (or BTR) has been flying under the radar for a while now, but it’s only really just starting to become a well known, big thing.  So whilst it’s a topic that has piqued Rob & Rob’s interest, they thought it would be best to bring in the experts to help not only you, but themselves learn all there is to know about Build To Rent.  Richard is not only an authority figure on the subject, but he’s also a consultant, an advisor and a writer. He’s 100% the right man for the job.  Here’s just a few of the questions that you can expect to get answers on from Richard: What is Build To Rent? Who’s the actual owner with Build To Rent? Is it only about income and not growth? Who makes it all happen? We cover a lot of ground in this episode so hit play and listen.    This week in the news, Place North West are

Rob & Rob are back again to answer two more fantastic questions sent in by our Hubbers. Martin from Birmingham has got in touch this week. He’s had a property for a few years and has remortgaged a couple of times and changed his mortgage rate.  It’s coming up for renewal again soon and he’s not sure if he should withdraw some of the equity, or leave it in the property so he can get a better loan-to-value rate on his mortgage. So what should Martin do?  Well first and foremost it all depends on where Martin is currently at in his investment process, but Rob D has some excellent advice as always.  Our next caller has a question about insurance. She’s a landlord of a leasehold flat and only has building insurance.  She’s become a little bit worried thinking of the what-if scenarios. What would happen if something went wrong? Would the tenant be liable for damage? Would building insurance be enough to cover her? Also, should she be taking out other insurance policies?  Tune in to find out what Rob B has t

They still hear it all too often ‘Rich Dad, Poor Dad changed my life!’ So this week on The Property Podcast, Rob & Rob are going back and taking a revised look at the book and sharing the lessons that they took away from it, and what they just don’t agree with.  In today’s episode you can expect to hear what the five key lessons are that you should take away from this book, but also the two things that you should be very careful of. This beloved motivational book is now 20 years old! But it still seems to have a huge impact on people’s lives. So Rob & Rob are going to explore why this book is so influential, their experiences, recap key lessons and let you know what they think of them now with the benefit of hindsight.  Here are the five lessons Rob & Rob learnt from the book: Be in control of your finances - Your employer or government will not. Passive Income.  Good debt vs bad debt. Pay yourself first. Keep your job and invest. And what don’t they agree with?  You’ll have to tune in to find tha

Rob & Rob are back this week for another episode of Ask Rob & Rob and this week they’re offering advice on releasing equity and purchasing property as an expat.  Our first caller of this week’s episode has a question about one of Rob & Rob’s favourite topics, the 18 year property cycle.  He wants to know what you should do at the height of the market? Essentially, should you release equity from your portfolio to purchase more property after the crash or should you sell up completely and then start again post crash?  If you need to refresh your mind on the 18 year property cycle, head on over to Property Hub University and take a look at our free online course. Rob B tackles this question head on - ultimately, it all depends on if you plan to be an active property investor after the crash. He answers this question in two parts so it’s certainly worth listening to.  The second question comes in from a chap all the way from Dubai.  His current situation is that he’s living off his rental income which is th

As you can imagine The Robs get inundated with questions day in, day out on all our different platforms. From social media to our Property Hub forum, they get questions fired at them from all directions.  But one of the places that they get asked lots of questions is through Property Hub Invest. So this week on The Property Podcast, Rob & Rob are answering the most asked questions for you all to hear.  On a daily basis our Property Hub Invest team talk to clients who are at different stages of their property journey and everyone has a different question to ask, but nine times out of ten they’re all similar.  So what better way to answer all these frequently asked questions than to compile them all into a podcast episode. Here are some of the questions you can expect to get an answer to: How to get a deposit together… How to find an area to invest… Where to invest and what returns should be expected? Is capital growth better on flats or houses? Is 1, 2, 3 etc bedrooms better?  There’s even more ques

The Robs are back again this week for another round of Ask Rob & Rob, and this week they’ve got two cracking questions that they’re about to answer.  Our first caller is a very enthusiastic property investor who unfortunately didn’t leave her name.  She’s fortunate enough to have three property investments in three different locations, which at the moment is working pretty well for her and she’s happy enough being a remote investor.  However, she’s wondering if there’s such a thing as investing in too many cities?  So what do Rob & Rob think of this? Are there both pros and cons to investing in a number of locations?  Next to get in touch is Lindsey who’s just completed on an apartment in Manchester.  Her letting agent has told her that she should let out this apartment on a fully furnished basis.  So what Lindsey is wanting to know is, should she be spending a lot more money on brand new furniture or would second hand be okay? Also, she’s questioning if the furniture will need safety checks before she

Just like we promised, The Robs are back this week and once again joined by Mike Winnett who’s going to share just what happened after he bought everything he was offered.  He’s giving you the insider knowledge to those ‘get rich quick’ courses that you’ve had your eye on, so you can save yourself the money and put it to better use.  Just to recap, Mike sold his company for a substantial amount of money and used the cash to go on a bit of an adventure. He decided to click on all those adverts that you see on the internet and social media that promise you a formula to get rich quick. Does he think they actually work?  If you’ve been considering paying for a property course, or maybe even a mentor, then this is an episode you’re going to want to listen to before you hand over any money.  Or, if you’ve already attended one of these courses and ploughed cash into them, then this might rub salt into the wound, especially if said course didn’t do what it said it would.  So give it a listen and let us know your

We’re back again this week for another Ask Rob & Rob. Our first question this week comes from Dorian. His question is around income tax for buy-to-let properties, with the new Section 24 rules.  Dorian and his wife are looking at investing in their first buy-to-let and they’ve been told that a lot of lenders won’t lend them the funds through a limited company because they’re first time landlords. Their other thought was to purchase as individuals which will then result in the income from the property being fully taxed on.  So Dorian wants to know if there’s a way around this? Can they own the property as individuals and put the income through a company, or is that not doable?  Rob B clears up the speculation on what Dorian has already been told and what he can do.  The second question comes from Esmarelda who wants to know if she should invest her £230,000 in an apartment in Plumstead near the Crossrail or a house in Luton?  We gathered from her question that she may want to be sticking to investing in