Sinopsis
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!
Episodios
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Death of the Legacy Landlord - Opinion
16/10/2025 Duración: 24minThere are currently 2.86 million ‘legacy landlords’ in the UK – yes, you heard that right. But as the world of property investment continues to evolve, is their time up? Let’s find out as Rob & Rob discuss what’s behind the shift and what it means for these landlords. (0:56) News story of the week. (4:16) Why are legacy landlords under attack? (6:25) The reason the old model is now broken. (9:15) The modern strategy to property investment. (13:15) What to do if you’re a legacy landlord? (15:45) Key takeaways (17:55) Hub Extra Links mentioned: Housebuilding not economically viable in half of England, warns Zoopla Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Find out more about Property Hub Invest
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ASK498: Should I use a letting agent or not? PLUS: As an expat, am I stuck?
14/10/2025 Duración: 07minHappy Tuesday! It’s time for another great episode of Ask Rob & Rob. (0:45) After buying his first buy-to-let, Simon’s debating whether to use a letting agent or self-manage the property. He asks Rob & Rob for advice on which approach makes more sense for a growing portfolio. (3:40) Aisling lives in Australia and owns two UK buy-to-lets, both with mortgage renewals coming up. She’s keen to release equity and continue investing, but high rates are holding her back. She turns to Rob & Rob for advice on navigating mortgages and selling the “problem” property. Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Send us your question here – just hit record!. Find out more about Property Hub Invest
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Market Update - October 2025
09/10/2025 Duración: 18minIn this month’s market update, Rob & Rob break down the latest data to uncover surprising regional differences in house prices and rental growth. Plus, they react to the headline-grabbing political proposals that could have big implications for landlords and investors alike. (1:00) Kicking off this market update with house prices… (6:05) Rents are up, but where and by how much? (9:10) Is the government finally giving landlords a break? (15:45) Hub Extra Links mentioned: House prices: Zoopla house price index Nationwide house price index Prime London price slump makes it ripe for investment Rent: Private rent and house prices, UK: September 2025 Government: Families to save hundreds of pounds in major homebuying overhaul Councils to be given power to impose rent caps Greens vote to abolish landlords at their party conference Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free we
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ASK497: Should I delay this until after the Budget? PLUS: Is this too much leverage?
07/10/2025 Duración: 07minIt’s Tuesday, so here’s your latest round of listener questions! (0:47) James has three buy-to-let properties with product transfers due soon. He asks Rob & Rob if it’s worth delaying them until after the Budget to see if any tax changes might influence his decisions. (3:03) Emma wants to expand her portfolio with additional properties through a limited company. With limited savings, she’s considering using equity from her mortgage-free home to fund future purchases, essentially “double mortgaging” her investments. She asks the guys whether this is too much leverage and how to get the balance right. Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Send us your question here – just hit record! Find out more about Property Hub Invest
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This property formula will make you rich
02/10/2025 Duración: 30minCan property success really be boiled down to a formula? Rob & Rob know it can – it’s the approach they’ve used to build their business and their own portfolios. In this episode, they break it down: from leverage and inflation to buying smart and giving it time, they show how this formula delivers real results. (1:02) News story of the week. (3:20) What is the property investment formula? (4:27) The ultimate wealth multiplier. (9:02) The silent wealth builder. (13:42) Give it time. (15:34) The last piece of the magic formula. (17:40) Examples of the formula in action. (23:47) The extra edge. (28:10) Hub Extra. Links mentioned: How transport influences house prices in three key UK cities Invest Like The Best Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Find out more about Property Hub Invest
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ASK496: Should we use a Ltd Co for just one property? PLUS: Is there capital growth in this area?
30/09/2025 Duración: 12minIt’s time for your weekly dose of Ask Rob & Rob – let’s get stuck into some brilliant listener questions! (0:34) Sean’s taking the first step in his property journey by turning his home into a rental and buying somewhere new to live. Unsure if he should keep the property in his personal name or put it in a limited company, and he asks Rob & Rob to help him decide. (4:12) T from Dubai wants Rob & Rob’s take on investing in the South Wales Valleys. He’s seen lots of BRR deals advertised there, with strong rental demand. He's wondering whether it’s really a good area to invest for growth, and wants the guys’ opinion on the market and potential returns. Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Send us your question here – just hit record! Find out more about Property Hub Invest
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Buy now or regret forever? The data everyone is missing
25/09/2025 Duración: 25minGiven the non-stop negativity you hear, it sounds like a crazy claim... but could now actually be the best buying opportunity in living memory? Listen to Rob & Rob break down the data, and see if you agree with them that sentiment has become disconnected from reality... (0:56) News story of the week. (1:58) Let’s dive in… (2:50) Rob & Rob prove their theory with the data. (8:30) What if mortgage rates change? (13:20) The Robs discuss negative sentiment. (22:16) Hub Extra. Links mentioned: Bank of England predicted to not cut interest rate until 2026 Raffio Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Find out more about Property Hub Invest
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ASK495: Should I sell or rent? PLUS: Should I buy a holiday property?
23/09/2025 Duración: 09minAnother Tuesday, another Ask Rob & Rob – let’s hear what our listeners are asking this week. (0:49) Natalie bought her first home during the COVID boom, when prices were inflated. She’s now planning a move to the Southwest and weighing whether to keep the property, rent it out, and release some equity to fund her new home. Or sell up, buy in the Southwest, and use the equity to invest in the North, where yields and growth prospects look stronger. She turns to Rob & Rob for advice on which strategy makes the most sense. (4:30) Juliet is in the process of buying her third buy-to-let property and is considering purchasing a holiday let rather than a standard buy-to-let. With no prior experience in holiday-only rentals, she turns to Rob & Rob for their thoughts on the risks and potential benefits. Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Send us your question here – just hit record!.
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Expert shares tax strategies you should be using
18/09/2025 Duración: 40minTax might not be everyone’s cup of tea… but when it comes to property investment, it’s one of the biggest factors that can make or break your returns. In this episode, Rob & Rob sit down with tax expert Nadeem Raziq, who’s worked with hundreds of investors to navigate the complex world of tax. From the classic limited company question, to inheritance tax, trusts, and even strategies for what could be coming down the line – nothing’s off the table in this jam-packed conversation. (0:57) News story of the week (3:30) Talking all things tax with our expert Nadeem (4:08) Beginning with the age-old limited company (27:07) Let’s learn more about inheritance tax (31:28) What about trusts? (37:58) Hub Extra Links mentioned: Bradford property market retains top hotspot crown Nadeem’s company, Provestor The unknown number Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pul
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ASK494: What do I do with these mortgage fees? PLUS: Use a bridge or buy cash?
16/09/2025 Duración: 07minIt’s time for the latest edition of Ask Rob & Rob, so let’s dive right in! (0:42) Danny started his property journey at the beginning of 2025, releasing equity from his home to fund his buy-to-let investments through a limited company. With mortgage fees of £4–6k each time, he asks Rob & Rob if he should be paying upfront or adding them to the loan. (3:30) Will’s an aspiring investor with one buy-to-let and an unencumbered property he inherited. Eager to scale his portfolio quickly with BRR projects and auction buys, he’s torn between using costly bridging finance or refinancing the inherited property to release equity and fund deals with cash. He turns to Rob & Rob for their advice for which route makes more sense. Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Send us your question here – just hit record!. Find out more about Property Hub Invest
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Market Update - September 2025
11/09/2025 Duración: 22minThe property world is in uproar with rumours of new tax changes. Headlines and speculation are everywhere, but what’s really going on? Tune in as Rob & Rob share what you actually need to know, and most importantly, explain what it could mean for investors. Watch Rob D’s brand new YouTube video for a deeper dive into the government’s latest updates. (0:47) The latest news for house prices. (7:05) Does the rental market continue to grow? (9:30) News from the House of Commons. (18:33) What on earth is happening with the Renters Rights Bill? (18:22) Hub Extra. Links mentioned: House Prices: Annual house price growth softens in August Halifax house price index Rightmove house price index London house prices to outperform rest of UK Rental Market: Private rent and house prices Rental market holds firm as stock levels climb despite Renters’ Rights Bill concerns Government: Landlords could face tax on rental income in budget Reeves c
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ASK493: Should I sell to avoid a big stamp duty bill? PLUS: Am I made to buy 4 HMOs?
09/09/2025 Duración: 08minHappy Tuesday! It’s time for Rob & Rob to answer two more great questions from our listeners! (0:49) Toff’s a high-rate taxpayer with a well-performing buy-to-let in his personal name. He’s now looking to buy his own home but faces higher stamp duty that’ll add at least £10,000 to the cost. Weighing up whether to sell the rental and lose a good investment, move it into a limited company, or just accept the extra bill – he asks Rob & Rob if there’s a smarter move he’s missing. (3:42) Jane’s living in Hong Kong and preparing to return to the UK after 15 years as an expat. With £300k to invest, she wants to build a portfolio that provides enough income to work part-time. Her current student HMO has worked well and she’s wondering if she should use the pot to buy four more student houses for cash flow. Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Send us your question here – just hit record!.
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£60bn giant says property is dead: We fact-check
04/09/2025 Duración: 27minA top wealth firm says buy-to-let has had its day - but is that really true? We dig into the data, uncover what they missed, and reveal why property might be stronger than ever if you know how to play it. (0:46) News story of the week. (3:07) We’re recruiting! Check out our job roles. (4:21) Property is officially dead? (5.53) The Robs analyse their findings. (7:49) Don’t ignore the power of leverage! (9:54) London is underperforming – true or false? (11:23) Steady growth isn’t sexy. (14:24) Can a typical buyer even afford a house? (18:09) Government vs. Landlords. (21:40) Be mindful of where information is coming from! (23:07) Hub Extra Links mentioned https://www.thetimes.com/uk/politics/article/landlords-national-insurance-tax-rental-income-xr085xd6s www.propertyhub.net/jobs https://www.rathbones.com/en-gb/wealth-management/media-centre/news-and-comment/research-shows-golden-age-of-uk-property-investment-is-over https://www.whatsapp.com/ Enjoy
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ASK492: Should I buy in an up-and-coming area? PLUS: Do I have enough money to invest?
02/09/2025 Duración: 07minIt’s time for your weekly dose of Ask Rob & Rob, so let’s get stuck into some interesting listener questions... (0:39) Should Bon pursue a HMO in a less desirable area if the numbers stack up? A major new housing development nearby could improve things – but is it worth the risk, or is location too important to gamble on? Rob and Rob give their thoughts. (4:36) Sara has £50k to start her property investing journey and is unsure where to begin. Buying a low-cost flat outright isn’t advisable in this scenario, but can Rob & Rob sway her to use a mortgage to unlock better growth opportunities? Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Send us your question here – just hit record! Find out more about Property Hub Invest
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Mortgage Market Update - August 2025
28/08/2025 Duración: 24minThis week, Rob B is joined by Kelly from Sirius Finance to tackle the big mortgage questions on every investor’s mind. From product ranges to market predictions, she shares her expert insights and top advice for navigating today’s property market. (1:21) - A quick overview of the current mortgage market (2:58) - Kelly’s rate cut predictions (4:40) - The best product ranges for investors (8:19) - The return of 80% LTV mortgages (10:39) - What would Kelly do? (13.49) - “Further advances” explained (15:16) - Are we out of the down valuation slog? (17:05) - How are investors adjusting their strategies as rates fall? (20:08) - Kelly’s top advice for investors navigating the current market Links mentioned: Kelly Rule, Senior Associate, Sirius Finance https://siriusfinance.co.uk/ kelly.rule@siriusfinance.co.uk Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse
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ASK491: How can I raise these funds? PLUS: Help, my freeholder is bankrupt!
26/08/2025 Duración: 10minThis week on Ask Rob & Rob, we’ve got two great listener questions – including one on a topic we’ve never covered before… (0:51) David already has two HMOs under his belt and now has his eye on a 6-bed property for his third. He’s got around £100,000 to put towards it, but he needs another £50,000. So he’s wondering… how can he get the extra funds? (6:45) Tom’s just bought two leasehold flats that were repossessed from the previous owner – who also happened to be the freeholder. Now he’s looking to buy the freehold, but it seems like a complicated process, so he’s hoping Rob & Rob can shed some light. Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Send us your question here – just hit record!. Find out more about Property Hub Invest
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Building a bulletproof property mindset
21/08/2025 Duración: 22minAt times property investment can be challenging, and obstacles crop up when you least expect them. But what separates those who give up from those who push through? Mindset. Tune in as Rob & Rob discuss the importance of having a bulletproof mindset and reveal the techniques they’ve used to transform their own lives, stay resilient through tough times, and ultimately succeed. (0:55) News story of the week. (2:05) What is a bulletproof mindset? (5:33) Mindset habits that build resilience. (20:24) Rob & Rob’s final takeaway (21:21) Hub Extra Links mentioned: How to Be Happy — Arthur C. Brooks Interview The Daily Stoic Letters From A Stoic – Seneca The Courage To Be Disliked – Ichiro Kishimi Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Find out more about Property Hub Invest
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ASK490: Does The Ultimate Property Strategy still work? PLUS: How do I escape spreadsheet hell?
19/08/2025 Duración: 08minIt’s time for the latest edition of Ask Rob & Rob, so let’s dive right in! (0:50) Dan has previously invested in stocks and shares and is now moving into property to take advantage of leverage. As a high earner, it’s more tax efficient for him to invest through a limited company, but he wants to know whether the ‘ultimate property strategy’ still works in that setup. Since refinancing doesn’t provide the same income benefits in a company structure, he asks if there’s an alternative way to achieve a similar outcome. (3:37) Maggie’s due to complete on her second flat using the BRR strategy, with plans to move into flips and eventually HMOs. While she thrives on sourcing deals and managing refurbs, she struggles with the admin side. She asks Rob & Rob how they handle the business side of property and how much of this should be handed over to an accountant. Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Send us
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Market Update - August 2025
14/08/2025 Duración: 20minInterest rates have been cut, but what’s the real impact on mortgages and the property market? Add to that huge news from London’s property scene and some surprising rental market data - Rob & Rob dig into what’s really going on, and what this means for you as an investor. To wrap things up, they share the new research tools they’ve been testing to help you stay ahead. (0:44) News story of the week (2:28) What’s the impact of the latest base rate cut (3:12) Why London’s new home registrations have plummeted (7:18) Surprising findings from the Private Landlord Survey (9:55) Interesting data from the rental market (12:59) What’s really going on in London (14:40) Learn why the homelessness minister has quit (15:18) Hub Extra Links mentioned: Bank of England cuts interest rates to 4%, the lowest level in two years TPP308: Leverage: A property investors secret weapon House prices: Nationwide house price data Halifax house price data London:
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ASK489: Which mortgage deal should I go with? PLUS: Do I need a new EPC?
12/08/2025 Duración: 08minWelcome back to Ask Rob & Rob, where we help tackle your property questions. Let’s dive into the answers... (0:49) Dee’s been offered three mortgage deals with product fees of 5%, 3%, and 0% - but calculations suggest the highest fee might actually be the cheapest overall. Should Dee stick with his current lender’s options or shop around? (3:58) The EPC’s have expired on Ryan’s two properties. One letting agent says renew now, another says wait until a new tenancy. Who’s giving the correct advice? Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Send us your question here – just hit record!. Find out more about Property Hub Invest