The Property Podcast

Tax 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

It’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 

The 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

Happy 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!. 

A 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

It’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

This 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

This 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 

At 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 

It’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

Interest 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: 

Welcome 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

There’s a hidden danger zone that every property investor reaches, but whether you get trapped there or push through to success is up to you. Tune in as Rob & Rob reveal exactly what the Property Danger Zone is, why it’s so risky, and most importantly, how to escape it if you’re already stuck.  (0:44) News story of the week.  (2:58) What exactly is the property danger zone?  (9:11) How do you avoid getting trapped in it?  (14:30) Final words of wisdom from The Robs.  (16:07) Hub Extra.  Links mentioned:  Rental deposit scheme in UK ‘puts millions in the pockets of landlords  Wispr Flow  TalkTastic  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 Inve

Another Tuesday, another Ask Rob & Rob, and we’ve got two cracking questions lined up this week!   (0:55) After hearing Rob and Rob discuss being more open to rent insurance, Francesco wants to know: even if you’re in a strong financial position and can handle occasional losses, do the guys still think it’s worth doing, or is it just being overly cautious?  (4:34) James is in the process of buying his third rental property — a leasehold maisonette that initially appeared to be a great investment, but he’s since discovered a clause regarding large ground rent increases. After negotiating a deed of variation with the seller, he wonders if there are still risks he might be missing and asks Rob and Rob whether it’s worth proceeding or better to walk away.  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 Pro

There’s no sugar-coating it: the UK property market is broken in more ways than one. From outdated processes to a lack of stock, and let’s not even talk about stamp duty — it’s a system in desperate need of change.  In today’s episode, Rob & Rob aren’t holding back as they break down the biggest issues facing the market right now and, more importantly, share how they’d fix them.  (0:55) News story of the week.  (03:44) Thank you so much for all your support!   (6:40) What are the core problems with the housing market?  (7:28) The quick fixes that wouldn't work.  (9:10) Rob & Rob’s realistic solutions.  (32:35) Hub Extra  Links mentioned:  Hamptons downgrades rental growth forecast as market continues to cool  Give blood  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 

Happy Tuesday! It’s time for Rob & Rob to answer two more great questions from our listeners!   (0:46) Sam’s a first-time buyer and has found a property that looks like a great investment. He knows getting a buy-to-let mortgage might be tricky, so he’s considering using a residential mortgage with consent to let. He asks Rob & Rob whether this is a smart strategy and for their take on this approach.  (4:07) Karan’s in the process of buying a property in London but has hit a roadblock after discovering the lease includes a ground rent clause with no cap on future increases, which is making his lender nervous. They’re asking for a deed of variation, which the management company is happy to do, if the seller pays a £10k fee. He wants to know if his lender’s being overly cautious, if the fee is excessive, and how to avoid ending up with a problematic asset.  Enjoy the show?  Leave us a review on Apple Podcasts - it really helps others find us!  Sign up for our free weekly newsletter,

For the first time on AOB, Rob & Rob are joined by a guest and it’s for something close to their hearts.  In this heartfelt episode, they chat with Sarah Field, Director of Sand Dams Worldwide, to hear how she went from building a global children’s football franchise to leading a charity transforming lives through access to clean water.  We’re currently aiming to raise £39,000 to fund a sand dam in Southeast Kenya – a simple but life-changing solution that can provide water, health, and opportunity for decades.  This episode isn’t about property, it’s about the impact we can have when we come together for a bigger purpose.   Donate now at propertyhub.net/water    Links:  Click here to learn how a sand dam works.  Enjoy the show?  Leave us a review on Apple Podcasts - it really helps others find us!  Give us your feedback on Instagram – Rob Bence & Rob Dix  Find out more about Property Hub Invest 

Our most important project yet – and we need your help.  This week’s episode is a little different, as Rob & Rob hit pause on the usual property chat to share something very close to their hearts – a project with the power to change lives for generations.  We’re raising £39,000 to fund a sand dam in southeast Kenya, a simple life-changing solution that will provide clean, safe water to an entire community for decades.  And that’s just the beginning. As the ripple effect kicks in, families can farm, children return to school, land is restored, and the whole community gets the chance to build a more hopeful future.  With the strength you, our amazing Property Hub community, we know we can make it happen.  Even better, every donation will be matched, and those who donate will be entered into a prize draw, including the chance to win a private dinner with Rob & Rob.  Donate today at propertyhub.net/water  (0:47) News story of the week  (3:52) Learn about our most important project yet… 

It’s time for the latest edition of Ask Rob & Rob, so let’s dive right in!   (0:45) Adam’s gearing up to start his buy-to-let property journey, aiming to build a five-property portfolio over the next few years. With £45K saved and £150K of equity in his home, he’s weighing up whether to release funds from his main residence and buy outright or use his cash savings alongside a buy-to-let mortgage. He asks Rob & Rob which route they’d take and why.  (5:25) Brendan’s recently completed on an off-plan property and hired the developers in-house letting agency to manage it. But he’s discovered tenants were placed in the property before the sale was finalised without his knowledge or approval. With rent set lower than expected and no access to the tenancy agreement, he’s now questioning whether any of this is legal, and how he can take back control.  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 

The right resource at the right time can be life-changing for your property, business, and wealth-building journey. Big statement, right?   Speaking from experience, Rob & Rob share their hand-picked, tried-and-tested list of essential books, podcasts, and videos that have shaped their thinking and help drive their success.   Whether you’re just starting out, need a dose of motivation, or want to level up your property game, there’s something in here for every stage.  (0:54) News story of the week  (2:22) Rob & Rob’s life-changing list of go-to resources  (3:35) The perfect reads if you’re getting started  (7:44) Already investing but want to sharpen your skills  (9:55) Guidance if you’re feeling stuck or unmotivated  (16:33) Economic insights and next-level thinking  (18:22) Resources that will help grow your business   Links mentioned:  BTL lenders lower rates and streamline application processes  Resources for beginners:  Rich Dad Poo