The Property Podcast

Rob & Rob are back once again to answer two more listener questions. Our first question this week is from Alex from Reading. He’s recently bought his first buy-to-let property and has naturally spent all his money. So now he’s in the process of saving for another deposit. But what Alex wants to know is if The Robs have any tips on how he can speed up the savings process so he can purchase properties two and three quicker and start building his portfolio. Next up we’ve got Sam from Bedford. Sam has been listening to the podcast for a while and now she’s ready to take the plunge. She’s really keen to get into the property investment world and she’s wondering if joint ventures are a good way to get started? Would Rob & Rob recommend joint ventures? 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 yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

Is BMV dead or is there still a way you can do a deal? In the property world we love bagging ourselves a deal. But right now, the property market is incredibly hot. So, does that mean doing a deal or better yet a BMV (below market value) deal is almost impossible? That’s what we’re going to explore in today’s episode so make sure you tune in. If you want to learn more, check out our free course on how to get a deal. In the news If you listened to last week’s episode, you’ll remember that we were stunned by some data from the US property market. It was the fact that the US property market is up 23% year on year which is crazy! We promised to investigate more into this and we’re keeping our promise. That figure was based on existing inventory, not new build homes. So, the growth was actually 15.8% which still makes our own boom look like nothing. This data was taken from a Forbes article where it looks at America’s states. Another news story we spotted this week was ‘owners of low-rise flats freed from wall safety certificate need’. In a nutshell, anyone who owns a property in a building smaller than 18 metres no longer need an EWS1 certificate. Hub Extra This week’s Hub Extra recommendation is a book from Rob B. It’s a combination between sport and business so if you have an interest in either, you’ll enjoy this book. It’s called ‘Relentless: 12 Rounds to Success’ by Eddie Hearn. This isn’t a rags-to-riches story because Eddie Hearn came from a wealthy family (which he acknowledges in the book), but is covers the struggles he had to overcome to be his own successful person and step out of his father’s shadow. 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. See omnystudio.com/listener for privacy information.

It’s Tuesday which means Rob & Rob are back to answer two more listener questions. The first question this week comes from Rachel. Rachel and her brother currently own a buy-to-let property in the South East and they’re now looking to buy their second property in the north of England for cash. They’ve found a property in Kirkdale, Liverpool for £65,000 which could give them an annual yield of 8.31%. Naturally that type of yield would be attractive to anyone, but after seeing one of Property Hub’s Instagram stories advising to buy a property that’s worth at least £100,000, Rachel is now wondering if this property is too cheap? Our second caller is Kenneth. He’s listened to our episode on quantitative easing about three times because it’s just so significant. Kenneth wants to know if we’re heading into a period of inflation in the future. As governments often control inflation by rising interest rates, does this mean that we’re going to see mortgage rates go up in the next few years? What are The Robs guesses and predictions for mortgages in the next few years? 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 yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

It’s the August Market Update The property market is incredibly hot right now. In the UK it’s crazy, but on this month’s market update, The Robs are revealing some numbers from the US that will blow your mind! This time of year is usually a quieter one, but that certainly doesn’t seem to be the case in 2021. Here are all the links you need to get stuck into today’s episode. Prices: UK House Price Index – June 2021 Super-rich buyers coming back to prime – Savills US cannot afford housing market ‘boom and bust’, warns Fed official Pandemic fuels broadest global house price boom in two decades Mortgages: TMW returns to 80% LTV but only on energy efficient homes Thousands of landlords released from ‘cladding hell’ after EWS1 forms scrapped The minimum energy performance of buildings bill Other: Government reveals where all the landlords live in the UK The pandemic property boom is pricing locals out of the British countryside And finally: House prices set to continue rising as supply shrinks Hub Extra This week’s Hub Extra resource is a tool called Propcast which refers to itself as a house selling weather forecast. It gives you a weather map of the UK showing you which areas are the hottest, meaning it should be quicker and easier to sell your home. Right now, it seems that everywhere in the UK might require your factor 50 sun cream. 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. See omnystudio.com/listener for privacy information.

The guys are back for another fantastic episode of Ask Rob & Rob. First up this week we’ve got Lil who’s looking for an answer to a common question we get asked. Lil currently has a residential property in London that she lives in, and a buy-to-let property in Liverpool. She’s going to be moving cities soon and needs a property with more space, so she’ll be switching her residential property into a buy-to-let property. In the short-term, Lil plans to rent herself until she finds the right property, but she can’t seem to figure out which scenario is best. Should she use the money she has to purchase a bigger property that’ll serve her needs, or should she put it into another buy-to-let property and continue to rent herself? Our next question comes from Bern who has a question about mortgages. Currently Bern has two buy-to-let properties, one in his personal name and another in a limited company. Bern is planning to purchase another buy-to-let property through his limited company, and then look to purchase a residential property for himself. He’s wanting to know if when it comes to purchasing the residential property if he’ll have any issues getting a mortgage if he already has three other properties? 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 yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

The Robs are back with their second episode on inflation This might just be the most important podcast episode Rob & Rob have done yet. If you understand this episode, then you’ll understand the secret to being wealthy. Last week we talked about inflation in the short-term, so this week we’re looking at long-term inflation. The dynamic that produces inflation for the long-term is completely different to the short-term. The Robs are going to be looking at what causes long-term inflation, the effects for property investors and what the coming years might look like. So, if you’re wanting to prepare for a strong future, then make sure you listen to today’s episode. In the news This week’s news story comes from the Financial Times and the headline reads, ‘Bank of England urged to spell out plans to curb inflation’. After speaking about inflation for the past couple of weeks, it seems that even the House of Lords are getting in on the action now. Their economics affairs committee have been questioning the Bank of England and have said it needs to provide a better justification for believing the rise in inflation is temporary. They’ve also said that the Bank of England has become obsessed with quantitative easing and are using it to solve all the economic issues. Hub Extra After a hard-hitting episode, we thought we’d give you something easy to wind down and give you a little bit of escapism. It’s a series on Netflix called ‘The World’s Most Amazing Vacation Rentals’. Three hosts go all around the world from the USA to Bali looking at holiday rental properties that you can rent out, depending on your budget. So, if you have a holiday let strategy, you might pick up a few tips from it. 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. See omnystudio.com/listener for privacy information.

This week on Ask Rob & Rob we’re talking all things money and mortgages. Our first question is about leverage and comes from Tyrone. He wants to know if there’s a right amount of leverage to go for. Tyrone is planning on re-mortgaging his property, but he doesn’t know what level he should go to. So, he’s asking for advice on how to calculate it and how he can balance the risk. Our second question comes from James who wants to know about residential mortgages. He’s got a three-bedroom property with a residential mortgage that runs out shortly. James has decided that he wants to convert it into a four-bedroom HMO property. So now James is wanting to know if he can renew his residential mortgage or if he has to get a buy-to-let mortgage instead. 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 yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

Everyone is now talking about inflation (H3) Inflation is here and things are visibly getting more expensive from month-to-month. But why is it happening? Will it last? And what is the government going to do about it? Rob & Rob are going to be answering all these questions in today’s episode of The Property Podcast. Inflation can mean the difference between being wealthy or poor when you’re older, so it’s important to understand how and why inflation works, which is why this is just the first of two episodes we’ll be covering on the subject. In the news This week’s news story comes from the National Residential Landlords Association, and they’ve calculated how many different pieces of law there are that affect people who rent out property in England. The answer is a whopping 168 laws, and that number has increased by 40% in the last decade. It’s quite surprising just how many local authorities aren’t enforcing these laws. If that wasn’t enough, we’ve got another news story for you where the headline reads ‘mortgage bonanza as choice grows and rates tumble’. There are now 4,500 mortgage products on the market which is only slightly down on where they were before the pandemic started. Plus, rates have started to come down again, so now the average two-year fixed mortage is 2.55%. Hub Extra This week’s Hub Extra is a free resource from the Land Registry and it’s a property alert service. It allows you to sign up to alerts if anything changes relating to one of your properties on the Land Registry. It will help you to avoid any fraudulent activity on any of your properties and it’s free to do so it’s a no brainer really. 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. See omnystudio.com/listener for privacy information.

Rob & Rob are back for another round of questions. Our first question this week comes from Louis. Louis is in the process of saving up a deposit for his first investment property and has been doing some research whilst listening along to The Property Podcast. He recalls a previous episode we did on quantitative easing and how the Bank of England pumped £450 billion into the economy in 2020. He’s since looked into the Federal Reserve Central European Bank and Bank of Japan who have introduced a total of $8 trillion into their respective economies. Louis is concerned that this amount of QE is going to have a knock-on effect and cause interest rates to skyrocket. So naturally he wants to know if you’re planning to purchase a property and leverage debt before a period of inflation, are you running the risk of interest rates on that debt, greatly increasing as the government tries to combat inflation by pulling money back up the economy through increased interest rates? Next up we’ve got Dan from the West Midlands who’s been in property for around five years. He’s got a couple of properties in his own name and a couple in a limited company. In one of his personal properties, he’s got a tenant that’s interested in purchasing it, if he’s willing to sell to them. Dan’s had the property valued and if he chose to sell, he could release around 70-80K in equity. So, he wants to know which option The Robs think is the best. Should he sell the property and use the 70-80K to buy more properties within his limited company, or should he keep the current property and take advantage of the good rental return and release the equity anyway? Tune in to find out what Rob & Rob would do in these situations. 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 yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

What makes the best property investors? Lisa Orme is back to join The Robs on The Property Podcast. Not only is she sharing the traits of successful property investors, she’s also sharing the strategies that she highly rates, and the ones that are overrated. Lisa has had plenty of hands-on experience dealing with some of the best, and worst, property investors and has narrowed down the traits that make a good one. It’s another jam-packed episode with plenty more takeaways so make sure you’ve got that notepad and pen at the ready again. In the news The property boom – it's gone from radio silence to widespread chit chat! This week’s news story comes from the BBC news website and the headline reads, ‘house prices rise at fastest pace in 17 years’. Nationwide reported house price growth of 13.4% in the year to June, making new average house prices £245,432 compared to £216,403 in June 2020. So, whilst the end of the stamp duty holiday hasn’t appeared to slow things down, we don’t think this pace is likely to continue. Hub Extra This week’s Hub Extra is another podcast recommendation for you. If you’ve enjoyed the last two episodes of The Property Podcast with Lisa, then you’ll be pleased to know that she has her very own podcast called ‘Mortgage Momma’. So, if you’re looking for further mortgage help and advice, make sure you go give it a listen. 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. See omnystudio.com/listener for privacy information.

Rob & Rob are back again this week and are discussing one of their favourite topics, the 18-year property cycle. And the person asking the 18-year property cycle question is Ali from London. At the beginning of June, Ali saw an article on This is Money where he believed the creator of the 18-year property cycle was implying that the market couldn’t continue with this boom phase and that it would be likely that next year there would be a market crash. Normally Ali would ignore these rumour-type headlines but given that it was the creator of the 18-year property cycle making these claims, he wanted to get The Robs’ thoughts on it. Our second question comes from Mike. He wants to know, if he were to purchase a buy-to-let property and didn’t do anything with it, didn’t refurb it or add any value to it, how long would he have to wait before being able to pull his money back out? He knows that it’s a case of just letting the cycle do its thing and hoping for capital growth to have an effect, but he’d like to know roughly how long he’d be waiting for. Tune in to find out what they 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. 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 yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

How should you be acting in the current boom market? In today’s episode Rob & Rob are joined by a fellow property expert. Not only is she an investor herself but has decades of experience as a mortgage broker. Her name is Lisa Orme. And in today’s episode she’s going to guide you through how you should be acting right now (while we’re in this boom period) when it comes to mortgages. If you follow her advice, we reckon you’ll do pretty well. There’s loads to take from this episode so make sure you’re sat down with a paper and pen ready to take notes. Plus, just because there’s so much to get through, Lisa will be joining The Robs again next week for even more mortgage talks. Hub Extra This week’s Hub Extra comes from our podcast producer, Dan. After chatting to The Robs about how he wanted to read a book on his Kindle but couldn’t pluck up the courage as it was so big, he decided to downloaded the audio version to listen to at the same time as reading it, which he found really effective. This led Rob B to stumbling across something from Amazon as he’s been looking for ways to help dyslexic children get interested in reading and absorbing information in different ways. Amazon have built technology called Immersion Reading. It’s not just for dyslexic people, it can be for anyone like Dan who finds reading along with an audio book more effective for them. Give it a whirl. 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. See omnystudio.com/listener for privacy information.

It’s Tuesday and that means one thing... The Robs are back to answer your property questions. Kicking us off this week is Tom. Tom has two HMO student lets in Cornwall that he invested in personally. They both earn around £1,800pcm. He bought the properties five and 10 years ago and while capital appreciation has been pretty decent, he’s never released any equity from them. He’s saved around £80,000 and is looking to invest in another student HMO in the same location, but this time using a limited company, rather than in his personal name. Tom can get a 4-5 bed property for around £280,000 and his rental income would be around £2,000pcm, with mortgage costs of around £600 per month. He likes the hands-on side to his strategy and wants to keep at it but he’s wanting to know if it’s a risky option, tying up all his money in one location when properties further north are more affordable. Our next caller this week is Rachel. Rachel is looking to invest in South Manchester, around the Wythenshawe area, which is close to the hospital and airport, in an ex-council property and use the serviced accommodation strategy. She’s wanting to know if The Robs think this is a good idea and if they’d recommend investing in an ex-council property. Tune in to find out what they 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. 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 yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

It’s the July Market Update On this month’s market update The Robs will be covering the market boom as well as revealing great news for landlords with leaseholds! They’re also sharing a news story that’ll have a massive impact on your wealth. There’s plenty to cover this week – inflation, arrears, evictions, leasehold and licensing. You name it, we’ve got it covered! Here’s all the links you need for your extra reading. Big picture: House asking prices hit record levels across Great Britain Biggest sales pipeline in a decade & buyers undeterred by stamp duty holiday ending Stamp duty frenzy shows first sign of slowing - Rightmove Runaway house prices: the ‘winners and losers’ from the pandemic Inflation: UK housing market is on fire, warns Bank of England chief economist Inflation is coming, says the Bank of England – but don’t expect us to react Arrears & Evictions: Breaking: Wales extends period during which landlords must give six months’ notice to evict Scots eviction extension battle looms as landlords and agents call out plans Leasehold: Leasehold campaigners welcome new changes Licensing: Airbnb calls for national short-lets landlord register New licensing scheme will be FREE for landlords Hub Extra This week’s Hub Extra is another podcast recommended by Rob D. It’s called ‘Exit Scam’. If you’ve been around for long enough, you may remember last year we mentioned a podcast called ‘The Missing Crypto Queen’ on BBC Sounds. Well, this podcast is very similar in terms of its theme. It’s about someone who set up a Crypto exchange who died under mysterious circumstances and may have faked his own death. It’s certainly a gripping one to get stuck into. 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. See omnystudio.com/listener for privacy information.

Rob & Rob are back with two more property questions this week. First up is Mo. He’s a junior doctor who’s recently graduated from Nottingham University and is looking to get on the property ladder. Mo wants to buy his own residential property but is struggling with finding the right one. Naturally he doesn’t want to overpay and wants to try and bag himself a deal, but he keeps getting gazumped every time he finds a possible contender. Other buyers are either viewing and putting an offer in on the same day a property comes onto the market or are just willing to overpay. Is this something Mo is just going to have to accept or is there something he can do? Our second caller this week is Steven. He’s been listening to the podcast for a while and knows The Robs have said how much they love Liverpool and Manchester. But what about Preston? Steven has been doing some research into the location and thinks that it could be a good contender but is keen to find out what Rob & Rob think of it. 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 yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

Is the property market about to crash? When the market starts to get heated, people get excited. There are those who take action and make money, but others get really nervous. What happens when we reach the top of the market? Is it a good time to buy? In this episode Rob & Rob are going to cover just that! And they’re sharing some interesting examples of what the numbers look like when you invest at the top of the market. So, is it wise to invest at the peak? Tune in to find out. In the news This week’s news story is from The Guardian and the headline reads ‘HSBC offers sub-1% mortgage as interest rate war intensifies’. So, if you’ve got a 40% deposit, are a residential buyer and got a good credit history and you want a two-year fixed with HSBC, then you’re in luck because you can now get a mortgage for under 1%. The last time they offered a rate this low was five years ago, and HSBC aren’t the only ones. It seems a number of lenders are battling it out for the lowest interest rates. So, it’s certainly the time to be re-mortgaging or moving house right now. Hub Extra This week’s Hub Extra comes from Rob D and whilst it won’t help you decide when to buy your next property, it is a great piece of entertainment. It’s a TV show called ‘Ted Lasso’ on Apple TV and it’s a comedy about an American football coach who gets hired to manage a British premier league team even though he has no experience what-so-ever. It’s quite a daft programme, but Rob D thinks it’s really funny and worth the watch if you need an unwind over the weekend. 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. See omnystudio.com/listener for privacy information.

This week on Ask Rob & Rob, the guys are settling a debate between a husband and wife on the best property strategy and help another caller with a mortgage conundrum. Our first caller is Colin. Colin and his wife have managed to save £50k but both have different views on how they’d invest it. They also need to move into a new home themselves over the next two years. Colin wants to use the funds to invest in a flip property and then split the profit in half to invest into more properties and into their own residential home. However, Colin’s wife would like to use the £50k to buy a bigger, more expensive family home and then further down the line re-mortgage and release equity for Colin to then invest in property how he’d like. Can Rob & Rob make this husband and wife see eye-to-eye? The second caller this week is Toby who’s 26 and a first-time buyer. He was wanting to invest in a buy-to-let property before purchasing his own residential property but has reached a stumbling block after speaking to mortgage brokers. They’ve told Toby that because he has no mortgage history, the interest rates available are very poor as the banks don’t want to lend to him. So naturally, Toby wants to know if Rob & Rob have ever heard of this situation before where you can’t get a mortgage offer due to having no mortgage history. 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 yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

This week Bitcoin and property are going head-to-head Following on from last week’s episode, Rob & Rob are back to talk more about property vs Bitcoin, and where Bitcoin could potentially form part of your investment portfolio. Like any investment option there are pros and cons to everything. For example, Bitcoin and gold are defences against inflation whereas property is an attacker. So, is property still the safest investment or is it under threat to Bitcoin? Tune in to find out. In the news This week’s news story comes from the Evening Standard and the headline reads, ‘UK’s ‘eye-popping’ pace of recovery stokes staff shortages and inflation fears’. This is from a survey that’s showing the strongest growth in business activity for 24 years! So basically, now that some lockdown restrictions have been lifted, more people have been going out spending. And, with the increase in demand but a shortage of staff, the hospitality industry fears a rise in inflation with talks of an £8 pint (at least in London) could be on its way. Hub Extra For this week’s Hub Extra, our resource for you this week is simply YouTube to carry on your Bitcoin learning. It’s a great place to learn more about the topics we’ve touched on over the past couple of episodes so if you simply search for ‘getting started with Bitcoin’ that’s a good place to start. However, if you’re wanting something a little more advanced, take a look at BitBoy Crypto, CoinsKid or Altcoin Daily. 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. See omnystudio.com/listener for privacy information.

On this week’s episode of Ask Rob & Rob the guys are trying to look into the future to answer this week’s two questions. First up we’ve got Sarah. Sarah and her family live abroad but have one rental property here in the UK. She needs to re-mortgage the property at the end of this year and has been given the option of a 5-year fixed mortgage. Sarah wants to also release some equity from the property to take the LTV up to 75%. However, she’s trying to run some numbers to see if it will be beneficial. She’s going off the basis of a 5% growth on property prices each year and then a 25% drop when the market crashes. If Sarah goes ff these numbers, in five years when the fixed rate ends the house won't be a profitable and she may be unable to re-mortgage, due to being an expat. So, are these the right figures that Sarah should be working off? Our second question is from Michael. He’s wanting to know if it’s likely that the government will introduce a rental cap now that there’s a ban on section 21 eviction notices. He’s already seen it come into play in Ireland where you can only increase your rents by 2% per year, unless you can prove you’ve done substantial work to the property to justify a significant increase. There’s plenty to get through today so tune in to find out what they 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. 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 yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

Before you get involved in Bitcoin, what should you know about it? Well, you’re about to find out in today’s episode. We’re temporarily diverting away from property because Bitcoin is such a hot topic right now. But what’s more concerning, is that people are wanting to jump on the Bitcoin bandwagon without understanding what it is or how it works. Rob & Rob love taking on complex subjects and breaking them down into understandable, digestible bits of information. So, if you’re clueless about Bitcoin, this is the episode for you. In the news This week’s news story had to be none other than Nationwide’s House Price Index which shows annual house price growth has hit 10.9%. Average property prices have also gone up from £238,000 to £242,000 in a month! The report puts this down to people still wanting to move out of city areas and gain more space, which we’ve seen happening throughout the pandemic. So, for anyone who’s got a property portfolio under their belt, they’re likely to be pretty happy right now. Hub Extra For this week’s Hub Extra, we’re giving you a trio of books for you to get stuck into. The first one is an easy read and it’s ‘Bitcoin Billionaires’ by Ben Mezrich. We’ve actually recommended this book before but it’s a brilliant story about the origins of Bitcoin. The second and third books are for you to continue your Bitcoin learning. We’ve got ‘Inventing Bitcoin’ by Yan Pritzker and ‘The Bitcoin Standard’ by Saifedean Ammous. These two books aren’t the most entertaining books to read but if you’re wanting to understand the technical side of Bitcoin then they do just that. We recommend listening to them on Audible and you’ll have them boxed off in a few hours. 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. See omnystudio.com/listener for privacy information.

Welcome back to another episode of Ask Rob & Rob. The guys are ready and raring to go, answering more caller questions. Kicking things off this week is Andrew. Andrew wants to know if the average house price to earnings ratio is something that The Robs think people should consider when looking to purchase a property. Or is it just simply based on mortgage costs and interest rates? Our next question comes from Joe. Joe’s been doing all his homework and has read all of Rob D’s books. He’s convinced that the only way to renovate a house and sell it on quickly is by using a bridging loan. But Joe has since spoken to someone who told him offset mortgages were also a good option if you already own your own home. So, naturally Joe wants to get Rob & Rob’s advice to see if they’d recommend using an offset mortgage. Tune in to find out what they 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. 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 yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

It’s the June Market Update Like always on the market updates, Rob & Rob are bringing you up to speed on all the goings on in the property world. And the June market update is no different. Today The Robs are going to be covering house prices, rents and even the Queen’s speech. Here’s all the links you need for your extra reading. House prices: House prices continue upward trend, rising 10% in March: ONS Nationwide predicts UK house prices will continue to rise First-time buyer demand and stalled price growth help city centres bounce back UK House Price Index – April 2021 Rents: Q1 2021: Rental market report PayProp UK special report – Arrears after 12 months of COVID-19 Coronavirus eviction ban in England set to end: what it means for renters and landlords Queen’s speech: The Queen’s speech 2021: four key issues for property agents Leasehold reform in England and Wales: What’s happening and when? Government pushes Planning Bill forward as critics question ‘free for all’ In case you missed it… We’ve got a new YouTube video out ready for you to sink your teeth into. We took a little break from creating YouTube videos but now we’re back with an epic episode, sharing the top five underrated places that you should invest in. In the past we’ve given you our location hotspots but we think these areas could be little hidden gems so it’s certainly worth the watch. Hub Extra This week’s Hub Extra comes from our Podcast Producer, Dan and it’s an app called Blinkist. If you’ve ever read a book that’s along the lines of a self-help/motivational/business related book then chances are these books will have lessons you’d expect to learn from them. A lot of the time, the things worth knowing about could be summed up in a long blog post rather than a book filled with waffle. Well, Blinkist cuts through all the waffle and presents you with the need-to-know information. So if your spare time is quite valuable and you don’t want to read a full book, give this app a go. 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. See omnystudio.com/listener for privacy information.

This week on The Property Podcast we’re joined by Mary, an architect turned HMO expert Now and again on The Property Podcast we invite experts in as guests to share their experience with us. And this week we’ve got Mary Osman who, along with her partner Andrew, is an architect turned property investor. Mary and Andrew specialise in HMOs. (And if you fancy reading more about them, they’re featuring in the next issue of the Property Hub Magazine - sign up here) They’re based in Leeds and have been involved in commercial property for around 15 years before moving into the residential territory of HMOs in Leeds and Yorkshire. There have been high points and low points – along with a lot of lessoned learned. And that’s what Mary is sharing with us today. So, make sure you tune in to listen and find out more. News This week’s news story comes from the BBC and the headline reads ‘renter eviction ban to finish at end of May’. Landlords have been unable to evict tenants since spring last year; which was understandable given the Covid-19 circumstances, but a date of 31st May has finally been confirmed – news which we’re sure many landlords will welcome. Also, notice periods are being reduced from six months to four, then from October back down to its normal two months. Hub Extra This week’s Hub Extra recommendation is a new YouTube channel for you called Greylock. Greylock is a VC company who invest in startups and they’ve invested in some rather famous ones. There’s a series from a few years ago called Blitzscaling, and Rob B has picked out a particular episode with Patrick Collinson on his experience of hiring with Stripe. Stripe is now a huge company so if you’re interested in business related YouTube channels then it may be worth giving this series a watch. 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. See omnystudio.com/listener for privacy information.

It’s girl power on Ask Rob & Rob this week. Our first question comes from Amelia. Amelia would like some advice on how to find a decent deal in the property boom we’re now in. Her current strategy is buy, refurbish, refinance (BRR) so she can try and recycle some of her cash. To be successful with this strategy, Amelia would need to buy below market value, but she’s finding that most properties are selling for the value of them refurbished, so there’s no money in it. So, Ameila wants to know if there’s a useful way to secure properties off-market by leafleting or sending out postcards. Next up is Nancy. She lives in Merseyside and has a question on freeports. Now that Chancellor Rishi has outlined the areas that’ll benefit from freeports, Nancy wants to know if there’s any tax breaks or benefits for investing in these areas. So, do Rob & Rob think there are any tax relief benefits to investing in freeport areas? 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 yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

This week on The Property Podcast we’re putting the limelight on Liverpool Generally on The Property Podcast you hear The Robs talking about property hotspots and where to invest. But you’ve never heard them go into much detail about certain areas. Until now. This week The Robs are heading back to Rob B’s roots of Liverpool and bringing you the areas you should definitely consider, the areas you should avoid and Rob B’s wildcard. Where will Rob B peg as his up-and-coming area and ‘one to watch’? Tune in to find out. News Last week the new session of Parliament opened with the Queen’s Speech and there were tonnes of legislations mentioned that are due to be brought forward. This is probably down to the fact that not much other than Covid-19 got done last year. But there were mentions of plans to end ground rents, renters reform and planning reform. There’s plenty more to cover on this but we’re going to save it for the next market update episode. Hub Extra This week’s Hub Extra recommendation is a fiction book and it’s not the type of book you’d usually expect either of The Robs to recommend. Rob D was recommended this book by his wife, neither of them usually a big fiction fan. However this book is on Bill Gates’ ‘must read’ list. It’s called ‘The Rosie Project’ by Graeme Simsion. The book is about someone who has aspergers syndrome and puts together a questionnaire to try and find the perfect wife. It’s a really good, easy read and pretty funny if you’re after something a little more lighthearted. 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. See omnystudio.com/listener for privacy information.

Rob & Rob are back again this week answering questions on when’s the best time to buy, and what happens to a mortgage if the property value falls. First up is Eleanor. With the stamp duty holiday due to finish at the end of June, Eleanor is keen to explore the top end of her budget. She doesn’t want to make a rushed investment and doesn’t want to consider stamp duty, but she’s keen to know how the stamp duty holiday will have affected the market when it comes to an end. Should Eleanor take advantage of the stamp duty holiday whilse she still can, or could she save more money by holding out for a dip in property prices? Our second caller this week is Owen. Owen wants to know what would happen if your buy-to-let property fell into negative equity at the end of your mortgage term when you came to re-mortgage. Will you then be locked into higher rates, or would you have to put in more cash to bring yourself back up to 25% loan to value? 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 yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

This week on The Property Podcast we’re discussing the property boom and why no-one's noticed it The Robs have been saying this for weeks now – we're in a property boom! And now it’s no longer just their opinion, it’s a fact. Now you need to understand what’s happening, why it’s happening and what you should be doing right now. And that’s exactly what Rob & Rob are talking about today. Here’s what they’re covering in this episode: The towns and cities that have seen the biggest price growth in a year. The boss of Barclays predicting the biggest economic boom since 1948. The regions that are outperforming the UK average growth. Why is this growth happening? How long will it last for? And what should you do? Tune in to find out. Hub Extra This week’s Hub Extra resource is all about protecting your online security. We’ve talked about online security before and this time we’re recommending that you get an authenticator app installed. They’re free to use and could save you a huge headache down the line. Tune in for all the details. 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. See omnystudio.com/listener for privacy information.

It’s Tuesday and Rob & Rob are on hand to answer two more property related questions. Kicking things off this week is Mike from Southampton, who’s relocated to Merseyside. Over the past year during lockdown, Mike has been taking advantage of the extra time he’s had and devoured all of Property Hub’s resources. He’s now 100% sure that wants to get into investing in property. He knows that he needs to build up a pot of cash before he can get started and he wants to know what The Robs think he should do. Mike is currently overpaying his mortgage payments, he’s got a savings account which he keeps topped up, and he’s started investing in stocks. So, should he focus on one more than the others or should he keep doing what he’s doing? Our second caller this week is Elisa. Elisa and her boyfriend bought a property in Nottingham a few years ago in cash, and it’s now increased in value over the years. They’re looking to release equity from the house to be able to buy a second property. Now, the most obvious solution is to re-mortgage the property. However, there’s a slight issue. Both Elisa and her boyfriend have low credit scores and will need to find a specialist lender or provider, which could be a bit more expensive. Are there any other options that Rob & Rob could suggest Elisa tries instead in her situation? 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 yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

It’s the May Market Update This month’s May market update is jam-packed with news stories for you to sink your teeth into. And naturally Rob & Rob have picked the best ones to discuss on today’s May market update. Here’s what to expect on this week’s property podcast episode Since the last market update, the media has still been in a frenzy over the property market. And it doesn’t seem to be dying down anytime soon. But we’ll leave it to The Robs to talk you through this month’s latest headlines. House prices and activity: Prices surge 8.6% in year to February: ONS UK property sales at 16-year high as house prices soar UK House Price Index – February 2021 Northern property market continues to outpace the south London: Prime London flats rentals still in doldrums – but for how long? Khan’s call for rent controls would leave London tenants worse off London commuter belt rental market still performing strongly Renting: Renters Reform Bill: timetable may be clearer next month Right to Rent: New Rules for Landlords Manchester Mayor vows to launch £1.5m landlord licensing across city Pets: Blanket ban on pets welcomed by almost half of landlords MP backs law change to allow tenants to pay pet damage insurance Make sure you tune in to the May market update find out what’s going on in the property world. Hub Extra If you’ve been a member of the Property Hub family for a while, you’ll know that Ray Dalio is one of our faves. Not just because he’s one of the wealthiest men in the world, but more for the knowledge he’s shared over the years. We often mention his resources on the podcast but this time we’ve got a free resource that’s a little more fun. It’s a personality test and you can find it on principlesyou.com. It helps you see what things you’re good at and what you might be not so good at and can improve on. And that might be easier than you think. A lot of these tests are costly so you’ve got nothing to lose with this free one. 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. See omnystudio.com/listener for privacy information.

It’s Tuesday and we’ve got another two great questions to answer on today’s episode of Ask Rob & Rob. The first question this week Is from Shipla. Shipla wants to know everything there is to know about the Liverpool property market. What areas are good to invest in? Which ones to avoid? What’s the forecast for Liverpool in 2021? Shipla wants to know anything and everything The Robs can give her. She’s an investor based in London so naturally doesn’t have the local knowledge. Move over Rob D – This is Rob B’s time to shine! Our next caller has a question on city centre apartments and whether you should furnish them or not. There’s a load of conflicting information on this debate. Some reckon you can leave an apartment unfurnished for tenants to put their own stamp on the place. Others think furnished will let quicker and be less hassle for tenants. Is there a right or wrong answer when it comes to letting out city centre apartments? 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 yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

This week we’re turning our focus to city centres The death of city centres has been widely publicised, but is it correct? On this weeks episode of The Property Podcast, Rob & Rob have a different point of view that might open up a once-in-a-lifetime opportunity for property investors. So make sure you tune into today’s episode to find out what it is. Here’s what to expect on this week’s property podcast episode A common theme amongst headlines over recent months has been how city centres are dying out, rural locations are thriving and how London is struggling. Apparently... what buyers and renters are looking for has changed. So does this mean doom and gloom for people who already own properties in the city centre? Or is this just a blip and if so, does it create any kind of opportunity for investors? That’s what we’re looking at today. In the news This week's news story comes from Estate Agent Today and the headline reads ‘stamp duty receipts soar despite the holiday’. In March, stamp duty brought in £1.1 million, making it the fifth biggest month for Treasury income from this tax since it was introduced in 2003. It was also 22% higher than the same month in 2020. Which on the surface seems bizarre as when you cut a tax, you don’t generally expect to see MORE of it. But there are a few things that could be happening here... It could just be a conincidence, but it could also be that the reduction in tax has prompted more people to move, so the volumes are higher. It seems a win win for everyone. Hub Extra This week we’ve got an incredible resource for you called Class Central. It’s a search engine that’s for all of the free courses that are out there on the internet, mostly from universities. They’re reviewed, some will give you certificates and you can learn pretty much anything - and the quality is absolutely incredible. There’s always time to continue your learning which we’re big believers in. 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. See omnystudio.com/listener for privacy information.

Hello and welcome back to another episode of Ask Rob & Rob. The guys are here to answer all your property questions and they’ve got another two to answer today. So let’s get stuck in. First up we’ve got Stephen who, after listening to the podcast, has decided he wants to invest up north or in the Midlands. He knows The Robs reckon Derby is going to be a good bet for 2021. But after Rolls Royce announced they’d be making redundancies and have had a change of strategy, he wants to know how The Robs think this is going to affect Derby? Stephen also wants to know whether it’s worth him looking at doing the work to invest in buy-to-let property himself or if he should get on board with a company like Property Hub Invest? Our second question this week is from Ayesha. She’s previously done an inventory on her property and used a professional that charged her £60 +VAT. Now Ayesha wants to know how often would she have to do this inventory? Does she need to get a new one after each tenant leaves or can she just keep the one she’s got and update it herself for each tenant? Or, is it a requirement that she gets a professional in to do it for her? 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 yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

This week we’re talking all things tax When it comes to tax, property investors are obsessed with learning and understanding it. And we don’t blame them because the difference between getting it right and wrong could be thousands of pounds. So this episode is a must listen! Here’s what to expect on this week’s property podcast episode It’s been a while since we talked about tax so we thought it was about time we changed that. We’re always inundated with questions about buying in a limited company. And we even did a video on whether ‘should you buy property through a limited company’. But because tax is complex, it’s always been better to leave the tax advice to the specialists. To give you a brief overview, back in 2015 new rules were introduced which meant individuals could no longer claim mortgage interest as an expense, but limited companies still could. So overnight, owning property in a company became a lot more attractive because those investing personally were left paying tax on profit that wasn’t really profit because it ignored the cost of interest. It impacted investors to such a degree that the majority of those who invest through us at Property Hub Invest now do so using a limited company. These rules have been eased in over the years but fully came into play as of April 2020, so we thought we’d take a look into it. If you’re wanting to purchase property through a limited company, then make sure you check out the tax implications and give this episode a listen. In the news This week we’ve got two news stories that might incentivise you to become a greener landlord. The first one, ‘yet another BTL lender issues cheap loans for homes with good EPCs’. Mortgage lender Keystones have now said that they offer a 0.15% reduction to landlords with properties older than five years with an EPC rating of A to C. The second story is, ‘Buy to let lender says new eco-loan will be ‘push for landlords’. The Mortgage Works, part of Nationwide, has a new mortgage product called the Green Further Advance, which can be used to make sustainable home improvements. So, if your property is in need of a little TLC, it may well be worth looking into going green and saving yourself some money as well as the planet. Hub Extra This week for Hub Extra, we’ve got a couple of resources for you. And they’re an alternative to the popular messaging app, Whatsapp. Whatsapp doesn’t offer a lot of privacy and are increasingly collecting data and insights into your activity. So we’ve got a couple of different options for you. They are Signal and Telegram. Both are apps just like Whatsapp that you can get for free, but your privacy is a lot more protected. 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. See omnystudio.com/listener for privacy information.

Rob & Rob are back again this week to answer two more listener questions. Our first caller this week is Philippa. She’s purchased a property in Liverpool that she needs some advice on. The property was originally listed for £110,000 which Philippa thought was a decent price for the location and size of the build. After submitting her offer, she was told she’d been significantly outbid. It got to the point where Philippa’s offer of £126,000 was accepted and although she was still happy with the end ROI, she couldn’t help but think that the estate agent had invented this other buyer. So Philippa wants to know if there’s any way of finding out if there was legitimately another interested party or if the estate agent was playing foul. Our second caller this week is Noel from London who’s got a question about releasing equity. He purchased two derelict properties and renovated them in 2013-2015. Now he rents them out. The loan-to-value on the properties is around 50% each and he wants to release some equity to be able to purchase more property. However, he’s finding it hard as he appears to be at the top of the stress test based on the rental income of the properties. He can’t increase the rent as he’s already at the top end for that area. Will Rob & Rob have any other suggestions for Noel? 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 yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

This week we’re taking a look at how to win with a HMO strategy Ususally when you choose a HMO strategy you need to invest pretty close to home as it can be quite a hands on strategy. But that’s not a problem for today’s guest, Tim. Tim invests in student HMO properties 300 miles away from his hometown. And, he does absolutely everything himself. Here’s what to expect on this week’s property podcast episode HMO strategies are becoming more popular and we often get questions on the best way to execute them. If you’re not familiar with what a HMO is, it stands for House in Multiple Occupancy. So basically where you rent the rooms out individually and have shared communal areas like the living room and kitchen. The reason they’re so popular is that they’re on the high end of the cash spectrum and the yields can be very attractive. But they’re also on the high end of the effort spectrum. So, today we’re talking to Tim who’s been investing in property since 2017 and his portfolio consists of five HMO’s with a total of 28 rooms. All of his properties are in Bangor, North Wales and are 300 miles away from where Tim lives. We wanted to find out how Tim became a landlord managing 28 rooms and why he chose the location he did. If you’ve been thinking about choosing a HMO strategy then Tim’s success story could be some great advice for you. In the news This week's news story is from Landlord Zone and the headline reads ‘step away from ‘disastrous’ rent controls campaign, landlords urge Sadiq Khan’. The current Mayor of London is wanting to continue with his plans for rent controls if he’s re-elected later on this year, and landlords aren’t happy about it. However since the last time Sadiq Khan was campaigning for this, rent prices in London have gone down by 9.8% according to Zoopla whereas outside of London they’ve increased by an average of 2.6% over the last year. So it doesn’t stand well right now for Saidq Khan’s campaign methods. Hub Extra This week’s Hub Extra resource comes from our Podcast Producer, Dan. It’s a YouTube channel called TED-Ed and it’s an extension of TED Talks but in the form of short, five minute educational videos on all sorts of topics. The videos may appear to be specifically for kids, but Rob & Rob have already bookmarked ones they’re going to be watching themselves. 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. See omnystudio.com/listener for privacy information.

Welcome back to another week of Ask Rob & Rob. To get us started this week we’ve got Luke. He’s only 22 and already looking into investing his money into property. Luke knows that he wants to invest in buy-to-let properties through a limited company but he’s unsure on where to actually buy. He’s been looking into the Northern Powerhouse locations but already knows that he’s priced out of Manchester and Liverpool city centre so has been looking at surrounding towns. This issus is that Luke is struggling to find the confidence to invest in these locations and is wondering if Rob & Rob have any advice on whether he should just go for it. Second up we’ve got Paul calling from Dubai. Thanks to all the free content from Propety Hub, Paul and his wife gained the confidence to invest and are about to complete on their third property in 12 months. Pretty good going! Paul is wondering if The Robs think that there’s potential for the government to scrap stamp duty altogether and try to claw back the lost revenue by tightening on capital gains tax. What do Rob & Rob think? 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 yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

This week we’re talking about Grand Junction You might remember Rob & Rob talking about their development, Grand Junction, in episode 315. This week that story has been shared on our other podcast, Any Other Business - because it’s important to share when things go wrong and the lessons that can be learnt. And after episode 315 aired, things actually got a whole lot worse! Here’s what to expect on this week’s property podcast episode Grand Junction is a bitter pill to swallow. To give you a recap, Grand Junction is a site that Property Hub Homes built in Crewe and it was the first ever development. By the end of the project, the business had actually lost £1 million! Rather than bury this experience and put it behind them. Rob & Rob have decided to treat this episode as more of a therapy session to chat through where things went wrong and what they’ve taken away from such a bad experience - and a pretty epic loss! So this week we’re sharing with you the raw, emotional episode of Any Other Business. And if you like this episode, there’s plenty more over on our YouTube channel. So make sure you head over to subscribe. 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. See omnystudio.com/listener for privacy information.

This week on Ask Rob & Rob, we’re answering two questions on investing in property away from home. First up this week we’ve got Ben. Ben purchased his first property around four years ago before he got the property investment bug and found Property Hub. He never had any intentions of building a portfolio but now he wants to try and get as many properties under his belt as he can. He’s already decided that he wants to go down the BRRR (buy, refurb, rent, refinance) route and he’s aware that this strategy is more hands-on than most. Ben lives in the South East of England and knows that he’s priced out of his local area so he’s turning his attention to the north to find himself a project. But how cost effective is it trying to refurbish a property remotely? Will Ben’s margins be squeezed too much as he’ll have to outsource the work? So will it even be worth it in the end? Our second caller is Hayley from Devon. She’s been listening to the podcast for a couple of years whilst saving up. She’s previously bought her own residential property and is now in the process of building her funds back up. She’s aware that the south of England is pretty expensive so is looking at purchasing a property further afield where property prices are a bit cheaper. But Hayley wants to know how do you actually gain the confidence to invest in an area that you have no knowledge of and don’t know anyone from there either? What advice will The Robs offer Ben and Hayley this week? 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 yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

Here’s what the April Market Update has in store for you In this month’s April market update, Rob & Rob are taking a look at which area of the country is growing by over 16% right now, and where £192 million is being spent every day. Here’s what to expect on this week’s property podcast episode There’s been a load going on in the media and in the property market, so today Rob & Rob are taking a look at the bigger picture. And they’re kicking off with Rightmove’s claim of us having the strongest sellers market in a decade! Not to mention the House Price Index that’s revealed the best performing cities to be Manchester, Liverpool, Leeds and Nottingham with 5% year-on-year growth. That’s been a cracking start to our 2021 hotspot predictions. It’s a big update today as The Robs are covering: Controversial city is UK’s property hotspot Boomin warned - Rightmove hits record number of visits in a day Households repay record £17.6bn mortgage debt Yorkshire Building Society first to bring back 95% mortgages Habito launches 40-year fixed rate mortgage Landbay strengthens support for trading limited companies with new BTL range Labour claims tenants “barely considered” during the pandemic Shock report: Eviction ban’s 21,000 ‘in-limbo’ section 21 notice landlords Make sure you tune in to find out what’s going on in the property world. Hub extra This week’s Hub Extra is a recommendation from our podcast producer, Dan. It’s another podcast called ‘The Rewatchables’. Essentially they go over old movies and remind you of why you should watch them. They cover films such as The Terminator, Coming to America, Toy Story and Rocky. If it’s a classic film, they’ve got a podcast episode on it. So if you’ve finally run out of things to watch as we’re coming to the end of lockdown, give this podcast a listen and see what classic films take your fancy. And to round off this week’s Hub Extra, here’s a recommendation from Rob B and it’s a film called Momento from way back in the year 2000. 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. See omnystudio.com/listener for privacy information.

Welcome back to another episode of Ask Rob & Rob. Kicking things off this week is Lily. She’s recently put in an offer on a leasehold apartment in a Grade II listed building and had it accepted. However, after having the structural report done, the results were shocking. Even though the property looked incredible on the outside, it clearly hadn’t been looked after on the inside. So what do Rob & Rob think Lily should do? Should she walk away from the purchase or use the structural report to her advantage to try and negotiate a better price on the property? Next up we’ve got Tomas. He currently owns a couple of buy-to-let properties and at the moment the income he gets from them he just sits in the bank. Tomas wants to save this money to buy another buy-to-let property but he’s wondering if he should leave the money in the bank, or if he should invest it elsewhere, like into shares. He’s previously looked at an app called MoneyBox but wants to know if that’s a good idea. So what’s the better option, leave money in the bank or invest it in shares? 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 yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

This week we’re taking a look at the future of London Since the Coronavirus pandemic hit last year, the future of London and its property market has been a hard one to predict. As it stands, the London market is all over the place. Rents are falling, house prices are falling and thousands of people are leaving the capital. So what does all this mean for the future? We’re dedicating a whole episode to just that. Here’s what to expect on this week’s property podcast episode The media love the property market. And they love London. But journalists tend to look at what’s happening in the capital and presume this is the same across the country. That’s why it’s important to not be swayed by headlines. Normally we steer clear of discussing London on The Property Podcast but after the past 12 months and the effects Coronavirus has had on the whole country, we felt the need to address the future of London. It’s common knowledge that people are moving out of the capital and clearly tourism has taken a hit over the past year. So what does that mean for you if you’re an investor in London or you were planning to make an investment there? Today Rob & Rob are covering: Why has London been hit so hard? Why 700,000 people are leaving London Rents falling and what this means Falling house prices The latest price statistics you should know Plus so much more! So, is the future of London looking bleak or is there hope on the horizon? Tune in to find out. In the news This week’s news story comes from Mortgage Strategy and the headline reads ‘strongest sellers’ market for a decade’. The article uses data from Rightmove where they’ve measured the number of enquiries per property, which is 34% higher than last year - that’s a busy month! This demonstrates how strong the market is right now and the supply of properties coming onto the market is certainly proving an issue. Hub extra This week’s Hub Extra resource is one to get you out and about. It’s called All Trails and this app helps you to explore your local area. If your usual walk/run route has got a bit stale, this is worth a look. You simply pop your local area into the app and it’ll suggest a load of new routes nearby for you to explore. Perfect if you’re wanting a change of scenery this weekend. 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. See omnystudio.com/listener for privacy information.

It’s another week of your property questions on Ask Rob & Rob. The first question this week is from Noel. He’s recently purchased a property at auction that was up for £150,000, but after getting into a bidding war, he ended up paying £175,000 for the property. Noel is happy to pay that price, however he’s just a bit cautious that the surveyors might not value it at £175,000 and if that’s the case, what are his options? He’s planning to convert the terrace property into a 3-bed but there isn’t anything comparable in the local area. Terrace properties of smaller square footage have sold for £175,000 but if there’s nothing comparable to his property, what are his options? Next up is Max who has a question about yields. He’s currently running the numbers on a potential deal before he purchases it to see what his ROI would be. One fee he’s included is landlord insurance which he knows is optional but he’s keen to know how much Rob & Rob think landlords should be spending on it. Is landlord insurance absolutely necessary? 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 yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

We’ve got an interesting success story for you this week This success story is a little different to most success stories we share on a weekly basis. You’ve heard of the term ‘buy two get the third one free’, but have you ever heard it in the property market before? Chances are, probably not. But one lady’s success story benefits from this kind of deal... Here’s what to expect on this week’s property podcast episode Today Rob & Rob are talking to Elly and she’s got a unique success story that we think you’ll be pretty impressed by. Elly’s full story will be appearing in the next issue of the Property Hub Magazine so if today’s episode grabs your attention, make sure you’re subscribed to receive the next issue. She lives in West Sussex and a few years ago decided that she was going to invest in property 350 miles away in the North East. Going into 2020 she had one property under her belt that she’d done up and rented out and was planning on using the buy, refurbish, refinance strategy. But that’s not quite what happened. Whilst speaking to her broker about refinancing the first property, she was presented with a deal. Three two-bedroom terraced properties in County Durham on a buy two get one free offer. The typical tenant in this area tends to be Universal Credit, which she wanted to get into further down the line. Naturally Elly was pretty cautious about this deal as it’s quite a specialist area. So what did she do? Tune in to find out. In the news We’ve got two related stories for you this week, both about the mortgage market. The first being a new ‘40-year mortgage product’ which has just been released - and if that wasn’t crazy enough, it’s a 40-year fixed mortgage term! Not only will your mortgage payments remain the same for the next 40 years, apparently there’s no early repayment charge or exit fee. Madness. The second news story is ‘Metro Bank launches ‘near prime’ mortgages’ which means people with a credit score that’s below average will be able to get a mortgage. This includes people who have CCJs that are unsatisfied and the products are 80% loan-to-value which is quite surprising. Will there be similar moves with buy-to-let mortgage products? We’ll have to wait and see. Hub extra This week we’re giving you a poem. It’s a poem that Rob B wrote down at the beginning of his goals book so he always had a constant reminder of it. It’s called Victory by Herbert Kauffman: You are the Man who used to boast that you'd achieve the uttermost, some day. You merely wished to show, to demonstrate how much you know and prove the distance you can go.. Another year we've just passed through. What new ideas came to you? How many big things did you do? Time left twelve fresh months in your care how many of them did you share with opportunity and dare again where you so often missed? We do not find you on the list of makers good. explain the fact! Ah No, 'Twas not the chance you lacked! As usual - you failed to act! 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. See omnystudio.com/listener for privacy information.

Welcome back to another week and another episode of Ask Rob & Rob. The guys are here to splash the case and dish out some advice. First up this week we’ve got Andrew and he’s got £2.5m to spend! Throughout the pandemic he’s been running a business that’s been racking up cash reserves and he needs to do something with it. He thinks property seems the best way to get a return on his money and with financing, could have around £10 million to invest! That’s crazy money! However he seems to think that with funds of that size, buying a two bedroom apartment up north isn’t really going to be the best use of his time and money. So he wants to know how Rob & Rob would invest that amount of money into property. Our second caller this week is Ed from Southampton. He’s wanting to invest further afield from home and naturally doesn’t want to invest in the wrong location. So, he’s asking The Robs which areas in the UK have the biggest void periods and rent arrears so he can avoid looking into these areas. Do Rob & Rob hold the answers to Ed’s question? 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 yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

Here’s what the March Market Update has in store for you This month’s March Market Update episode is dedicated to last week’s budget announcement. A lot of you were expecting this episode last week, but we needed time to get all our ducks in a row before we shared what it means for you as an investor. Here’s what to expect on this week’s property podcast episode Brace yourselves, this may be the most impactful budget on the property market we’ve EVER discussed. Rob & Rob are looking at the big news that was (and wasn’t) included in the budget. Here’s just a small snippet of what’s to come in this jam-packed episode: Taxes Extension of furlough Universal credit increase extended The recovery loan scheme Additional support Free ports It’s the episode you’ve all been waiting for, so go give it a listen. In the news Even though the budget has taken center stage this month, there have been a few non-budget related news stories. One being an article in Mortgage Strategy sharing a report from Nationwide, who’ve said ‘prices rebound with 6.9% growth’. At first we thought this could be an anomaly, but now it seems like it’s part of the property cycle. And if you missed our latest episode on where we’re at in the 18-year property cycle, you can catch that here. 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. See omnystudio.com/listener for privacy information.

It’s Tuesday, so that can only mean that Rob & Rob are back to answer two more listener, property related, questions. Our first question this week comes from Lee. Lee has been listening to the podcast for over a year now and is doing an immense amount of research into where he should invest. Naturally he’s been listening to Rob & Rob and eyeing up Manchester and Leeds, but he’s now turning his attention to Nottingham for the affordability aspect. However he’s having doubts after seeing that in two years, a council estate that was priced at £90,000 is now priced at £130,000. So essentially, Lee wants to know if this kind of growth can be expected to continue, or do certain areas experience capital growth which then moves onto another area? The second question this week comes from Nick who’s having issues calculating yields. He’s currently in the process of purchasing his seventh property, the last three of which have been during lockdown - you go Nick! He’s been told that if you achieve a yield between 6-8% then that’s pretty good. But when he’s been working the numbers out based on the 30% deposit he put down, he’s getting a yield that’s much closer to 20%. So what’s he doing wrong? What’s the right way to calculate a rental yield? 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 yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

This week we’re taking a look at the real reasons why property prices go up Many people think property prices rise due to supply and demand. Some think it’s to do with inflation, and some think it’s about location. So who’s right? Or, could it be a combination of them all? In today’s episode Rob & Rob are revealing everything! Here’s what to expect on this week’s property podcast episode A few weeks ago, on an episode of Ask Rob & Rob, we had a caller named Jonathan who wanted to know why property prices rise, after reading an article on housing supply. And while The Robs answered Jonathan’s question, they’re expanding on it today and are delving right into the detail. To kick things off, did you know that each property is in two separate markets? You may have thought that there was only one market, the property market, but there’s actually two. The services and assets markets. So now you might be wondering what the difference is between the two, and how they work differently to increase property prices. And that’s exactly what Rob & Rob are digging into today. They’re taking a look into the report that Jonathan referenced and have dissected it so it’s more digestible. Make sure you tune into today’s episode for some more valuable knowledge bombs on why property prices increase from Rob & Rob. In the news This week’s news story is ‘demand for rental accommodation in London collapses’. Of course, this headline is somewhat misleading as the article is actually referencing a particular type of rental property, which is shared accommodation. In West Central London, demand is down 43% compared to last year and East London down 19%. This doesn’t come as much of a surprise as London is struggling and you’d expect shared accommodation to be the worst hit over the past 12 months. Another headline that caught our eye was from Letting Agent Today. ‘Victory for Airbnb in first round of battle for short lets regulation’. The Scottish Government had drawn up a licensing scheme that would give local councils the power to issue licences on homes that advertised on Airbnb and similar websites. Meaning that possible short-term lets and holiday lets could need planning permission before being allowed to let, along with stricter health and safety measures. Hub extra This week’s Hub Extra resource is another book recommendation, but this time from Rob D. It’s called ‘Alchemy: The Surprising Power of Ideas That Don’t Make Sense’ by Rory Sutherland. He’s the vice chairman of WPP which is a massive advertising agency. The book is about how everyone in business makes their core decisions based on logic, however most people’s buying habits aren’t governed by logic. So by approaching things in a logical way you miss great solutions to problems that are often simpler and cheaper than the solution that logic directs you to. It’s a fascinating book that combines business, marketing and psychology so if you like any of those topics then we recommend you give this a read. 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. See omnystudio.com/listener for privacy information.

Rob & Rob are back again this week to answer two more fantastic questions. We’ve got a rather interesting first question from Brendan. He’s got a question on the 18 year property cycle, one of our favourite topics to talk about. Brendan wants to know if Real Estate Investment Trusts (REIT) are likely to experience the same sort of growth in a boom period as residential property? If you’re not 100% sure on what a REIT is and how they work, don’t worry, Rob D covers that along with how they benefit property investors. The second question on this week’s episode is from Antonio. He’s got a portfolio of properties which he’s had for around 20 years and is now considering selling. His accountant has advised him that if he moves back into the property for 6-12 months, he won’t have to pay capital gains tax on the sale as it will be seen as his main residence. Is this a way of getting around capital gains tax? 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 yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

This week we’re taking a look at where we are in the 18 year property cycle Whether you’re a new or experienced investor, the 18 year property cycle is something that you should know like the back of your hand. For years it’s helped investors determine when they’d be most likely to invest in property and when they’re going to wait it out. We get asked all the time ‘where are we in the 18 year property cycle?’ and even more so at the minute, ‘is the cycle broken due to Covid-19?’ Well, we’re about to find out. Here’s what to expect on this week’s property podcast episode In 2020 we were hit with a global pandemic that completely brought the property market to a grinding halt. So naturally people were questioning what this meant for the 18 year property cycle. But once the property market was back up and running (and more buoyant than people expected), we were then getting asked ‘does this mean we’re at the peak of the cycle?’ If you’re new to the podcast and have no idea what the 18 year property cycle is then don’t worry because we’re going to give you a recap in this episode. According to the average 18 year cycle, we should now be in the mid-cycle wobble phase. But is that true or has Covid-19 changed the course? Tune in to find out. In the news We’ve got two news stories for you this week. The first one is a note on the evictions ban being extended again. It was due to end on the 22nd February and has been extended to the 31st March at the earliest. Chances of it being extended again are pretty likely, even though we’re on the right path it’s still not 100% certain that we’ll be back to normal by then. Another possible policy extension is on the stamp duty holiday. This could be extended by a further six weeks, which isn’t a huge timeframe. A lot of people will complete in time but there will also be many who slip through the net. Hub extra This week’s Hub Extra resource is a book that Rob B has been reading. The book was actually a recommendation from a YouTuber called Ali Abdaal and it’s a book called ‘A Million Miles in a Thousand Years’ by Donald Miller. It’s the story of a writer who was approached by Hollywood screenwriters who wanted to tell his life story. But when they started putting it together it turned out that it wasn’t very interesting or inspiring and that really made Donald reflect on his life and he decided to live a better story. In a way it really resonates with the type of reflection that we’ve all gone through over the past year and how we can live a better life when we come out of the coronavirus pandemic on the other side. 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. See omnystudio.com/listener for privacy information.

It’s Tuesday and that means Rob & Rob are back to answer two more listener questions. The first question this week comes from Florence. She’s thinking of remortgaging her property as she has around £190,000 of equity tied up. However, she doesn’t know if she should pay the penalty to get out of her mortgage now, which will be around £1,040, or wait two years when her fixed mortgage rate is finished. She doesn’t yet know which route she should choose, but if she was to release the equity, she wants to try and beat the stamp duty fees coming back into play. Next we’ve got Martin calling from Hong Kong. Since he’s been listening to the podcast he’s purchased one small property in the UK with cash. He’s wanting to buy more properties in the UK and with being based abroad (and the current coronavirus situation), buying in cash seems to be easier than buying with a mortgage. After listening to the podcast and Rob & Rob’s views on leverage, he wants to know if he bought a property with cash, could he then take out a mortgage on it in a year or two? Is this a possible idea and is it beneficial? 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 yourself over and introduce yourself. See omnystudio.com/listener for privacy information.