The Property Podcast

This week we’re exploring how QE could dramatically change property prices QE (short for Quantitative Easing) is currently at record levels that have never been seen before. The approach has discreetly been changed by the government, so as a property investor you must understand what’s going on. And that’s exactly what Rob & Rob are discussing on today’s podcast episode. By the end of this episode you’ll know exactly what QE is and how to take advantage of it. Here’s what to expect on this week’s property podcast episode We get it, QE sounds really boring and while it’s really complicated... it’s also incredibly important. For us, it’s important that you understand QE just as much as you understand leverage or inflation, it’s a core concept to long-term property investing. Here’s what Rob & Rob are be covering on today’s episode on QE: What is QE? Amounts of QE The effects of QE (pre-2020) Asset price inflation since 2009 Why is 2020 QE different? What is the likely effect? What can you do about it? This is going to be an episode that may frazzle your brain a little so you might want to grab a pen and paper and take notes. You may even want to listen to it a couple of times to wrap your head around it but we promise it will be worth your while. In the news A major news story in the property world this week comes from the BBC. ‘Cladding: Extra £3.5bn for unsafe buildings ‘too little, too late’.’ There’s another issue with the cladding scandal - and that’s the clarity around who it does (and doesn’t) help. And that’s because the government has stated that this funding is applicable to buildings over 18m high. So if you live in a development below 18m, the funding won’t help you, but there will be low cost loans available. We don’t think this is the end of this ongoing battle. We’ll be keeping an eye on further developments. Hub extra For Hub Extra this week The Robs are recommending a tool they’ve both been using since the first lockdown. Rob B used to work on an iPad Pro because he travelled around a lot. But like most people, he’s been stuck at home and this meant the iPad wasn’t an ideal set-up. So, he invested in a widescreen monitor. So we’re keeping it simple and recommending the very basic widescreen monitor itself. It can increase your productivity when you’re used to working on a laptop or iPad - and as you know… we’re ALL about the increase in productivity. See omnystudio.com/listener for privacy information.

Rob & Rob are back again with another two great questions to answer. Up first we’ve got Jess. She put in an offer on a flat and got a response from the vendor that they wanted something a bit closer to the asking price. Jess then put in a counter offer, all cash, £2,500 under the asking price. In most cases this would be a pretty decent offer that’s likely to get snapped up with the ability to move fast on it. However, Jess still hasn’t received an answer from the vendor. She hasn’t had her offer accepted or rejected and is questioning if he’s not a serious seller and should she just move on. The second question this week comes from Neale who has a question about freehold. He has a one bedroom buy-to-let apartment which is one of five within the development. It had previously been poorly managed and recently Neale and fellow landlords took over the management. The freeholder has recently indicated that they’re willing to sell the freehold to the five apartments. All five parties are keen to proceed, but Neale wants to know if there’s any real benefit to owning part of the freehold? Will the value of the properties increase if he owned the freehold? 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 exploring why predictions are crap Nine times out of ten you’ll listen to expert predictions. But, believe it or not, they’re not always right! So this week on The Property Podcast we’re going back in time to take a look at what predictions have been made by both Rob & Rob, and other industry experts, and seeing whether they were right or wrong. Here’s what to expect on this week’s property podcast episode At the beginning of January Rob & Rob shared their 2021 predictions podcast episode and a few weeks later did their 2021 property hotspot predictions. But even though The Robs like making predictions and going back to review them, they also dislike them. That’s because predictions can sometimes be wildly inaccurate and if you take them too seriously, it can lead you in the wrong direction. So in this episode Rob & Rob are going to go back and take a look at some significant years in property, take a look at what happened in those years and see what various people predicted was going to happen. As they go through this episode they’ll be picking out patterns that’ll be worth keeping in mind as you review predictions in the future. In the news This week’s news story comes from This is Money and the headline reads ‘Pets in lets: Government makes it harder to impose ‘blanket bans’ on tenants having animals’. From reading the article, it makes it sound as though you now have to accept tenants with pets by default and have to object case by case if you don’t want pets in your property. But like any good old headline, that’s not the case. There’s simply a new clause that’s been put into the government's standard AST. AOB has moved You may have noticed that this week there was an extra episode of our Any Other Business podcast. We’ve decided to now kick start your week the right way and you can now catch the latest podcast episodes on a Monday morning via your favourite podcast app. But don’t worry, if you prefer to watch your podcasts, each episode will be going live on YouTube every Sunday so you can unwind, put your feet up with a brew and get ready for the week ahead. And don’t forget about our weekly free webinars where you can learn everything you need to know about investing in property in just 30 minutes and walk away with plenty of free resources after the session to continue your learning. Hub extra We’ve got a new podcast recommendation for you this week. No, don’t worry, Rob & Rob haven’t started another podcast, but this one is from someone who often makes an appearance on The Property Podcast. You may remember Sarah who’s one of the investors that we try to catch up with at least once a year to find out how her investment journey is going. Well, she now has her own podcast called ‘Conning The Con’. It’s all about conning a con artist and it’s a super entertaining 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.

Welcome back to another fun filled episode of Ask Rob & Rob. We’ve got another two great questions to answer, so let’s get stuck in. First up we’ve got Des who has a question about a property he already owns. He previously bought it 15 years ago for around £80,000 and it’s now worth around £200,000. The property is currently mortgaged at £150,000 as Des has previously released equity to invest elsewhere. Des wants to know whether, after such good growth, he should sell it or rent it out? The next question is from Imran who’s looking for a helping hand in getting his foot in the door of a letting agent. He’s currently studying for a property qualification but has had no luck so far with the jobs he’s been applying for. So naturally, he’s turned to Rob & Rob to see if they have any advice on how he can stand out from the crowd when trying to get a job in lettings. If you’re in similar positions as Des and Imran, then this is an episode for you. 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 February market update has in store for you Hold onto your seats because this February market update is a good one. Just to give you a taster of what’s to come on this week’s episode, The Robs have got some mortgage news, they’re discussing the best performing cities of 2020 and they’ve got positive news on the cladding crisis. Certainly topics you’ve all been waiting to hear about for a while so let’s get stuck into the February market update. Here’s what to expect on this week’s property podcast episode Even though it’s only been a few weeks, there’s a lot to cover in today’s update. Rob & Rob kick things off by taking a look at the December Hometrack report which covers the whole of 2020. To everyone’s surprise, house prices were up by 4.3% which is a huge increase. The Robs are also talking about: Top performing cities of 2020 Falling city rents More mortgage products Stamp duty Cladding Scottish Help To Buy And naturally The Robs will go into depth on each topic so we won’t give too much away. Make sure you tune into the February market update. Free education If you’re looking to get started on your buy-to-let journey, or are wanting a refresher of the basics then we’ve got just the thing for you. Every week we host a number of free webinars at different times to suit your schedule. You can learn everything you need to know about investing in property in just 30 minutes. Plus, you’ll also walk away with plenty of free resources after the session to continue your learning. Make sure you book your free virtual place today to get started. We look forward to seeing you there. 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’ve got a question on mortgages and another question on tenancy agreements.. Our first mortgage related question comes from Martin in Ireland. Martin is wanting a bit of advice on interest-only mortgages. He’s looking to purchase his first property with an interest-only mortgage as he knows he’ll have more of a monthly rental income. However, he’s a bit unsure as to how he actually pays that loan back in the long-term, say 20-25 years down the line. Ideally he would like to allow his rental income to accumulate so that he can purchase a second property and keep that cycle going to build up a portfolio. But he’s concerned that when it comes down to it, he’ll have several mortgages he’ll need to pay off and isn’t sure how he’ll do it. Next we’ve got Luke who’s in Hong Kong! He’s just about to complete on his third buy-to-let property in the UK and is wanting some advice on tenancy agreements. Luke wants to know if after a fixed-term contract is up, should he allow the tenancy agreement to roll over to a periodic tenancy, or should he renew the fixed-term contracts every time? He’s wondering if there are pros and cons to both or if one is better than the other. 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.

Where are the best places to invest in 2021? It’s one of our favourite podcast episodes of the year... where should you invest in property 2021? We do it every year - and this year is no different. Rob & Rob are sharing their best places to invest in property in 2021 and there’s even a few surprises thrown in there. Here’s what to expect on this week’s property podcast episode We’re doing things a tad differently this year. We usually unveil the top five cities we believe investors should be investing in. But this year, we’re giving you what we think are four safe bets and four outside picks, just to keep things interesting. So here they are: Safe bets: Nottingham Liverpool Leeds Greater Manchester Outside picks: Home counties Sheffield Belfast Derby We recommend particular areas through thorough research and due diligence. And while we’ll be focusing our own investment efforts here and sourcing deals for our Property Hub Invest clients in these locations, that doesn’t mean they’re the right places for you. We recommend that you do your own research before committing to any investment. So, there you have it. Make sure you tune into the podcast to find out why Rob & Rob have chosen these locations to invest in this year. In the news This week’s news story comes from Rightmove saying, ‘housing market sees busiest ever start to a year’. Even despite the stamp duty holiday, this is still very impressive with Rightmove recording a 30% increase in just website visits compared to last year. Not to mention people contacting estate agents about a property to buy is also 11% higher than at the start of 2020, and those enquiring about a property to rent is up by 22%. Certainly a very encouraging sign for the housing market at the beginning of a year. Hub Extra If today’s podcast episode on where to invest in 2021 wasn’t enough for you then you’re in luck. We’ve also got a YouTube video sharing our 2021 hotspots and The Robs have covered them in a slightly different way - and there’s plenty of people getting involved in the comments. So make sure you go give that a watch as well. 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.

We’re back again this week with another two fantastic questions from our podcast listeners. First up we’ve got Arthur. Arthur is looking for advice on purchasing his own residential property and getting a lodger to live with him. He’s thinking about leaving London and moving to Manchester where he can afford a two-bedroom terraced house. However, he keeps waiting for prices to drop or for there to be a crash, but since this is going to be his residential property, should he not care as much? He wants to know if he should just go for it now, but is concerned that as soon as he does there will be a crash. Hopefully Rob & Rob can help him with this one. Our second caller this week is Will who’s got a bit of a personal question for The Robs. Obviously, Rob & Rob are massively into investing in property, but he wants to know if either of The Robs put money into their tax free ISAs? Does Rob D just stick to property or does he do both? 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.

What are our go to business resources? Everyone always loves the episodes where we share our business resources and this week we’re going bigger and better. There are so many business resources we’re covering in today’s episode that they might just see you through to the end of lockdown. They’re all ones that you can use and implement straight away, so let’s get going! Here’s what to expect on this week’s property podcast episode As you should know by now, we’re starting a new business - our biggest project to date. And alongside this, we’ve created a new podcast - Any Other Business. So today we’re keeping this podcast episode focused on… you guessed it - business! Rob & Rob are sharing the business resources they use themselves, and ones which will help them on their new business journey. We’ve got loads to get through so let’s get going. Getting started The $100 Start Up - Chris Guillebeau Tropical MBA - Podcast Google Workspace Marketing OKdork.com by Noah Kagan Digital Marketer Podcast Fiverr.com Sales The Ultimate Sales Machine: Turbocharge your business with Relentless Focus on 12 Key Strategies - Chet Holmes Pipedrive Trello Customer service Delivering happiness A Path to Profits, Passion and Purpose - Tony Hsieh Zendesk or Helpscout People Powerful - Patty McCord Upwork.com Finance The ultimate blueprint for insanely successful business - Keith J Cunningham Xero Starling Operations Traction - Gino Wickman Rockefeller Habits So, there you go, plenty to keep you busy and focused. And you’ve got a load of resources to help you build or scale your business. In the news A record number of buy to let landlord companies set up. A pretty positive headline to start the year, so where have they all come from? According to research from Countrywide agency Hamptons, 41,700 new buy-to-let limited companies were set up in 2020. Which turns out to be a new record in a single year and a 23% increase on 2019. Probably not a surprise considering the stamp duty holiday that came into play, saving buy-to-let landlords a small fortune. Hub Extra If you’re wanting to learn more and get an inside perspective on what it takes to start and grow a business, then make sure you’re subscribed to the Any Other Business podcast. And don’t forget about our YouTube channel where you can watch the raw emotions of Rob & Rob as they take you on this journey with them. 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 give you... Any Other Business We know you’ve come to know and love The Property Podcast. We’re over 400 episodes in and have spent years dedicated to dishing out all the need-to-know information on investing in property. And now we’re taking it up a gear and have launched a brand new show… Any Other Business. You’ve learnt, or still are learning, everything there is to know about investing in property, but why not tie that in with building and growing a successful business? After all, the two go pretty much hand-in-hand and that’s where Any Other Business comes in. What is Any Other Business? There’s plenty of podcasts out there that share how to start a business. Our social media feeds are full of success stories and extravagant luxuries from those who’ve made it. But nobody is telling the truth. Or sharing the grit and hard work it takes to get that success. We simply get the highlight reel. That’s why we launched Any Other Business - it’s your brutally honest insight into what it takes to grow and scale a business - warts and all. You’ll hear the highs, the lows, the million pound mistakes - and everything in between as Rob & Rob prepare to make their most audacious move in business yet. What we’ve got coming is game changing! And we want you to join us for the ride. So buckle up, settle in, and make sure you’re subscribed to our YouTube channel because this is also our first video podcast. That’s right - you can listen to us via your fave podcast apps and also WATCH us on our new channel. It’s going to be one exciting journey and we’re really looking forward to having you join us every step of the way. Here’s the link you need to find all your favourite channels - so get subscribing to be the first to know when new episodes drop. https://aob.show/ 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 talking about the supply and demand of property, and they’re spending £100k of someone else's money! Kicking us off this week we’ve got Jonathan from Manchester. He’s wondering if The Robs have read the UK Collaborative Centre for Housing Evidence and their article on tackling the UK housing crisis. Since reading the article Jonathan is wanting to know if the 300,000 a year housing supply target is actually the real rise in house prices or if it’s actually mostly down to interest rates? Do Rob & Rob think that the lack of supply is the real reason for higher property prices? The second question this week comes from Mary who’s new to the property podcast. Mary and her husband were looking to purchase their first property at the beginning of the first lockdown. Since then it’s fallen through due to Covid-19 so now they’re reconsidering everything. They have a deposit of just over £100,000 and they were going to put that down towards their first residential home. Now, they’re considering splitting it possibly two or three ways and buying a property in each of their names, one dream home and two buy-to-let properties. However, they’re currently unsure about the market and if buying a house each would have an effect on their first time buyer status, or if there would be a tax implication? What do The Robs think Mary should do? 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 January market update has in store for you It feels like we’ve been waiting forever for this January market update. Could that much have changed in the market during the quietest month of the year? Well, we’re about to find out. Here’s what to expect on this week’s property podcast episode The January market update is a jam packed one. If you thought that the property market was going to take a few weeks off and a wind down for Christmas, you were wrong. There’s actually loads to get through today as well as some big news stories. Here’s a quick insight as to what’s going to be covered on the January market update: Stamp duty The impacts of lockdown Big reforms around leasehold Plus so much more but we won’t spoil it all for you. Make sure you tune into the January market update. Exclusive! Last week we teased that we were launching a brand new podcast - and we promised we’d reveal it all today. So, here we go! The name of the new show is… Any Other Business. A whole podcast to do with the ins and outs, ups and downs of what it takes to build and grow a successful business. From here on out, Rob & Rob are going to take you on their journey as they grow Property Hub and take the business to the next level. And that next level is GAME CHANGING! And what’s more… it’s a show you can watch on YouTube too! Watch the trailer now - it’s just gone live! While you’re there, hit the subscribe button and turn on notifications so you don’t miss our first episodes going live tomorrow. We’re beyond excited about this new podcast and we’re really looking forward to having you join us every step of the way. Hub Extra There’s only one possible thing that we could recommend for this week’s Hub Extra and that is, of course, our brand new website. If you’d like to check out Any Other Business, you’ll be able to find links to all your favourite podcast providers and listen to the podcast directly there. Please feel free to give us your feedback and thoughts. 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! See omnystudio.com/listener for privacy information.

Rob & Rob are back this week with another two amazing questions, one that we can’t even believe was an actual question! Our first caller this week is Kathy who has a question on viewings and proof of funds. An estate agent has told her that she can’t view a property unless she gives them proof of funds. Erm, excuse us, what?! Naturally she’s a bit apprehensive about this and rightly so because sending over a bank statement is highly confidential. She’s also worried that if she views multiple properties with multiple estate agents she’s going to have to do this every time. Is this a normal thing or should Kathy look for a different estate agent? The second caller this week is Fabian. He’s the owner of a buy-to-let property in Nottingham and he currently rents it out at £750 pcm. Fabian thinks that he’s actually renting this property on the low side as other properties within the area are going for £800 pcm plus, his property is fully furnished. So he wants to know what Rob & Robs thoughts are on increasing the rent, especially in the current climate - and considering his tenant always pays on time and hasn’t had any faults. Should Fabian increase his rent for the second time in a year during a pandemic? 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 time for Rob & Rob to reveal their 2021 predictions It was only right that The Robs kicked off The Property Podcast this year with their 2021 predictions. Will this be another year where there’s a complete curveball that no one expects to throw them off track, or will this be a more ‘normal’ year? Here’s what to expect on this week’s property podcast episode If you listened to the 2020 predictions reviewed podcast episode you’d have probably wondered why Rob & Rob are putting themselves through it again this year. Well, they just can’t help themselves. Here’s what Rob & Rob’s 2021 predictions consist of: Top performing cities London The UK as a whole The base rate The stock market / FTSE 100 Bitcoin Will the Olympics go ahead? So there you have it! Do you think Rob & Rob will be right or wrong about their 2021 predictions by the end of the year? If you’ve got your own predictions, head on over to the forum or socials and let us know. Exclusive! Something big is coming! If you were still in a Christmas food coma when we announced this in December then NOW is your chance to get caught up. Rob & Rob are launching another podcast! You’re probably thinking, ‘how much more can they possibly have to say about property?’.... Well, we can’t say too much right now, but we can tell you that it’s got nothing to do with property… Hub Extra It’s nothing new but certainly something that you need to be subscribed to. And that’s our YouTube channel. We’ve set our sights high for the year of 2021, but our YouTube channel is about to reach a whole other level! We’ll be bringing you a lot more video content than we’ve ever done before. And if that wasn’t enough, you’re going to want to be subscribed so you get the first look at the new podcast we’re launching! So make sure you go subscribe and turn on post notifications. 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.

Ask Rob & Rob is back for the New Year and they’re kicking 2021 off with a bang! First up this week we’ve got Claudine. She’s previously bought two buy-to-let properties through Property Hub Invest, however her question today is in relation to her family home. Her family is growing and she has a second baby on the way, so she’s looking to purchase a bigger family home. They had agreed a price of £975,000, however a mortgage valuation came back at £835,000 which she thinks is a huge drop in price - she certainly wasn’t expecting it to be down-valued by so much. Next up we’ve got Stan who’s got a question regarding Radon. He’s just had a search back for a property he’s been looking at and it shows that they’re at an intermediate risk level for Radon. Stan is planning on purchasing the property with cash and remortgaging further down the line. But he’s wondering if this Radon issue will affect him being able to remortgage? Have Rob & Rob ever come across these issues before and can help Stan? 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.

Today we’re reflecting on 2020 Finally it’s the last day of what’s been an awful, yet interesting year, and Rob & Rob are finishing it off by reflecting on 2020. It’s definitely been one of the hardest years to invest in property but that doesn’t mean it’s been completely impossible. There’ve been ups - and there has definitely been downs - but what can we take away from 2020? Here’s what The Robs are reflecting on in today’s episode Property Hub Rob & Robs personal investments The market and economy Covid-19 The Covid-19 response What we’ve learnt It’s important to try and find the positives where you can, and despite the year we’ve had, it can only get better from here. Happy New Year everyone! 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 must listen to episodes of 2020 We’re doing something new this year, we’re bringing you the must listen to episodes of 2020. This year has been a crucial one for learning to adapt and change. Sometimes life throws things at you that you didn’t expect - and this year has been a minefield! We’ve put a lot of content out this year - we even brought you EXTRA episodes in the form of our Market Update episodes! So we’ll forgive you if you haven’t listened to every episode throughout 2020 or if you’ve not felt in the right headspace to be thinking about investing in property. But, we DO think you should give these episodes a listen in preparation for next year. Here are the episodes you need TPP375: The property market is about to boom or bust - which will it be? TPP378: Rob D just bought a property in the middle of a pandemic. What is it, and why now? TPP379: Inflation v Deflation - Part 1 TPP380: Inflation v Deflation - Part 2 TPP381: Serviced accommodation and COVID-19 TPP387: How to come out stronger TPP393: Ray Dalio: Understanding economic cycles and predicting the future TPP398: Getting your property let during lockdown If you’re going to listen to (or recap) any podcast episodes from this year, make these eight a priority! 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.

2020 predictions reviewed It’s that time of the year again. Rob & Rob are back to revisit their 2020 property hotspot predictions. In past years The Robs have rarely been wrong with their predictions, but this hasn’t been a normal year. At the beginning of 2020 they certainly didn’t predict that we’d encounter a worldwide pandemic! So, has that had a huge impact on the predictions they made 12 months ago? You’re about to find out in today’s 2020 predictions reviewed episode. Rob & Robs 2020 predictions Top 5 cities The UK as a whole London Base rate Budget Stockmarket US Election - Trump in or out? Who’ll win the Premier League? So, how did they do? It’s safe to say that The Robs didn’t lose their touch on choosing the top performing cities this year. So despite what might happen in the next 12 months, you can pretty much still put your bets on Rob & Robs predictions for where to invest. For the UK as a whole, Rob D predicted a 1-3% increase in house prices and Rob B said 2-4% increase. But would you have believed them if they’d have predicted property price growth of 6.5%, whilst tackling a global pandemic? Even The Robs couldn’t believe how wrong this one was! That’s just a little taste of what to expect on today’s podcast episode. To find out what else The Robs got right and wrong you’ll have to tune 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.

What are our top resources of 2020? That’s right, this week we’re rounding up our top resources of 2020. Throughout the year we share tonnes of resources at the end of every episode of The Property Podcast - as well as in our Hub Extra emails every Friday. So we can understand that you’ll have probably forgotten about some of the top ones we’ve shared throughout the year. But not to worry, Rob & Rob are going through their top choices today. They’ll be covering books, podcasts, apps, videos and a whole lot more. Books A Bit of a Stretch - Chris Atkins What It Takes - Stephen Shwarzman The Biggest Bluff - Maria Konnikova How I Built This - Guy Raz Storyworthy - Matthew Dicks Podcasts Meditative Stories My First Million We Crashed Modern Wisdom The Cycling Podcast TV/Youtube Succession - Amazon Prime Video The Last Dance - Netflix Messiah - Netflix The Cycling GK - YouTube Aquaholic -YouTube Mickey Views - YouTube Gothamchess - YouTube Ali Abdaal - YouTube Mike Winnet, Contrepenuer - YouTube Coffeezilla - YouTube Tech/Apps Insight Timer Anki Pzizz Wireless headphones Chess.com So, there you go. We hope you’ve found our top resources of 2020 useful or are about to implement some of these into your everyday life. 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 the last episode of Ask Rob & Rob for 2020! So it was only right that they got their old pal Nick on the show to ask the final question. Nick is wanting to know what Rob & Rob have got in store for everyone in 2021. Of course The Robs were happy to oblige - not only because they want to remain on the nice list, but to hopefully get you prepared for the coming year. The big bombshell, there’s going to be a brand-new podcast coming in 2021, and it’s not about property! Now that we’ve grabbed your attention, tune into today’s episode to find out what else The Robs have got in the pipeline for you next year. 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 December market update has in store for you We reckon everyone’s been waiting patiently for the December market update, thanks to that capital gains tax bombshell that was dropped a couple of weeks ago. But that’s not all The Robs are covering this week. Here’s what to expect on this week’s property podcast episode Just to give you a little taste, here’s some of the things Rob & Rob are chatting about in the December market update: The top cities for capital growth Stamp duty Capital gains tax Help-to-buy The latest Hometrack report ESW1 and unlimited liability The Hong Kong market Plus, the guys will be taking a look at an insider’s opinion on what’s happening in the property market right now. There’s certainly plenty to get through this month. So make sure you’re prepared as we dive into the December market update. Let’s get social (H3) 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.

We’ve got another two great property questions on Ask Rob & Rob this week. The first question this week is from Argent. Argent wants to know where property investors can make the biggest gains. He knows Rob & Rob tend to focus on capital growth, but he thinks it’s more the income that gives the biggest gain, as this is the cash that hits your bank account each month. Listen as Rob D takes us on a mini history lesson while drawing on his own personal experience. Yes, you need to have a bit of faith for capital growth but today Rob explains why both are equally as important. You can also deliberately tilt your portfolio in the favour of one or the other. How? Listen to find out. The second question comes from Daniel. Daniel is a long-time Property Podcast listener and he’s looking to get his first property. He’d been focusing on the ‘ideal yields’ of between 8-10% but when he’s running the numbers, he’s finding the best he can get is 6% or lower. He’s wondering if he bought at 6% whether it’d be a huge mistake. Rob B takes the lead with this one (as Daniel specifically used Liverpool as an example). Listen as he talks Daniel through what to look for in his next deal and how it’d affect yields. He also explains how to focus on location and consider the pros and cons of desirable vs less desirable places. The difference of an extra % or two on the yield could be minimal in the short-term but a winner in the long-term. 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.

Have you been investing during Covid? Well, if you haven’t been investing during Covid, these three property investors certainly have. Trying to build a portfolio is hard enough, nevermind trying to do it in the middle of a worldwide pandemic. Naturally, it’s brought challenges for everyone. But it’s how you work through those challenges that will set you apart from others who have been investing during Covid. If you’re at a bit of a sticking point and you’re not sure if investing during Covid is the right thing for you, then today’s episode should certainly help. Here’s what to expect on this week’s property podcast episode On today’s episode Rob & Rob are talking to three investors who have certainly come across challenges whilst investing during Covid. You may recognise these three investors as Iain, Sarah and Steve. A panel of investors that we’ve spoken to a number of times before. We like to check in with Iain, Sarah and Steve every now and again to see how they’re getting on with their investment journeys. So we thought now would be a better time than ever to see how they’re getting on with investing during Covid. In the news In the news this week we have a positive news story, hooray! Safety checks eased to help flat owners ‘in limbo’. A lot of investors have been having issues trying to sell or refinance their property due to needing an EWS1 form. This came into place after the Grenfell Tower disaster, and is designed to show that there are no safety issues with the building. The good news is that it came out recently that the form won’t be needed for properties that don’t have cladding – and although there’s still confusion in the industry about exactly when it’s needed, this latest announcement certainly seems like good news for a lot of property owners and investors. Hub extra This week’s Hub Extra is a quote for you. It’s the perfect quote to sum up the qualities needed to be successful in this current climate. ‘Success is no accident. It is hard work, perseverance, learning, studying, sacrifice and most of all, love of what you are doing or learning to do’ - Pele. Which we think is pretty spot on for right now. 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 answering two questions that we’re pretty sure are on everyone’s minds right now. First up this week we’ve got Joe. Joe has bought his properties the opposite way round to most people. He bought a buy-to-let property first and is now onto purchasing his own residential property. He thinks he’s got himself a good deal as it’s in need of some renovation, but he’s trying to weigh up his options because he’s considering relocating when the world returns back to some normality. He knows the obvious thing would be to sell the property, but he wants to know what other options would be open to him. Especially if the market falls and he ends up in negative equity on his property. What should he do? Our second caller this week is Sassi. Both Sassi and her partner are both working professionals in the construction sector. Before lockdown they’d agreed to purchase a property however they had issues with mortgages due to the condition of the house. They managed to secure a mortgage product, but when it expired six months later due to the pandemic, the lenders revalued it and wouldn’t grant them a mortgage - they said the property would be better suited to a HMO. As a result they’re now struggling to afford another property with the loan-to-value being so high compared to what it was at the beginning of the year. So what Sassi wants to know is, will the stamp duty holiday restore the banks’ confidence enough to bring back higher loan-to-value mortgage products that first time buyers can benefit from? What do Rob & Rob think? Will higher loan-to-value mortgage products make a comeback, or are they now a thing of the past? 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.

What are property funds and how do they work? Investing through a property fund allows you to invest in a property without having to fully buy it or go through any of the rigmarole that comes with buying a property. Sounds like a win win situation right? We’ve managed to go 400 episodes without talking about property funds. Until now. You might be listening to this thinking that you’re never going to have the funds to be able to invest in property, but you’d like to make a better return than leaving it sat in the bank. Or maybe you’re already a property investor and are getting a bit fed up with how much time and effort it takes and would like something a bit easier. Well, a property fund might just be the thing you’re after. Here’s what to expect on this week’s property podcast episode There’s a lot to get into on today’s episode to give you as much information as possible on property funds. So, just to give you an overview, here’s what Rob & Rob will be discussing today: What is a property fund? Why invest in a property fund? What types of property can you invest in? Why not to invest in a fund What are the types of property funds? How to pick a fund This could well be an eye opener into a whole new world of investment opportunities for you. But like with any type of investment there’s pros and cons to both. So we recommend listening to this episode a couple of times and doing some further research to really get a solid understanding of property funds. In the news Over the past number of years landlords have been hit time and time again by changes to taxes, meaning they pay out more and more each year. After so many changes you’d think it was about time that landlords were given a break and nothing else could rock the boat. Well, enter Rishi Sunak and his increase to capital gains tax. Now these are proposals and nothing has changed just yet. However if this does come into play, the government wants capital gains tax to be in line with income tax bands. There’s still plenty to come out about this and whilst it doesn’t specifically target landlords and property investors, it wouldn’t be a good result for any investor. So, The Robs will be covering this in depth on the next Market Update when more has unfolded on the topic. Hub extra This week’s Hub Extra resource is another podcast for you to listen to. Now Rob B has only listened to one episode so far but he highly recommends it based on that episode. The podcast is called Boldt Flavours and it’s from the founder of Gousto, Timo Boldt. On the podcast he interviews different people every week and in the first episode he interviews Joe Wicks. You might be surprised that this episode wasn’t based on food, or cooking or exercise, but about how Joe Wicks grew his business. And you know how much we love a business success story. 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.

Last week we had a question on using bridging finance and this week on Ask Rob & Rob we’ve got another. Kicking things off this week is Marika. The strategy she’s looking at is flips. So she’s looking to purchase a property that needs a substantial renovation before selling it once the work is completed. She’s been looking at getting a bridging loan, however she’s worried that once the refurb is complete, the market will collapse. By which point she won’t be able to, or want to, sell the property and getting a buy-to-let mortgage might be difficult. So, right now should she be looking at a standard buy-to-let mortgage instead of a bridging loan? Next up we’ve got Claire. Since listening to The Property Podcast Claire has taken the plunge into the property investment world and has acquired three properties over the last 18 months - well done, Claire! Claire self manages the most recent property and the other two are with a management company. However, she’s come to realise after speaking to her tenants that the management company aren’t handling things in the correct way. So now Claire wants to take on the other two properties and self manage them all. But, how does she go about relieving the management company of her two properties without getting into a legal battle or being held liable for anything? Can Claire just simply fire her management company or is there a specific protocol she needs to follow? 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 episode 400! So we’re taking a look at Rob & Robs property investment journeys The Robs property investment journeys have been going for much longer than 400 episodes. But what have they experienced along the way? Luckily for you, The Robs are sharing their investment journeys with you as well as their experience. So when you make your own mistakes, not only will you learn from them, you’ll also profit from them. Here’s what to expect on this week’s property podcast episode Not only are Rob & Rob sharing their personal story and what they’ve learnt, they’re also taking a look at what’s changed in the property market over the last eight years. When you hit a milestone like 400 podcast episodes, it’s a good time to reflect and take a look back on where you’ve come from. So here’s what The Robs are taking a look at in this week’s episode: The 18-year property cycle Is the 18-year property cycle still on track or will there be a crash in 2021? In this past podcast The Robs shared how to predict future property prices. Is that still the case? Never sell a property In the early days of The Property Podcast this was a firm opinion of Rob & Rob. You can even listen to that podcast episode here. Even Robert Kiyosaki said the same thing not so long ago on The Property Podcast. Is that still the case? Plus… Rob & Rob will also be discussing assets and the top performing cities. What were they 400 episodes ago and what are they now? Tune in to find out. In the news This week we’re talking about what others seem to have missed: ‘Bank of England pumps more stimulus into economy in bumper QE round’. Another £150 billion of QE has been pumped into the economy which is just crazy. Back in 2009 of the financial crash, £200 billion of QE was put into the economy, and we all know how bad we thought that was. In total, the amount of QE in 2020 as a response to the Coronavirus pandemic has totaled £450 billion.More than double the amount of the 08/09 financial crisis! We can’t get over why this hasn’t been made more of a big deal. If you’re interested in QE then go back to this podcast episode where Rob & Rob discuss how it impacts property prices. Hub extra This week for Hub Extra, we’ve got a bit of a follow on. Previously Rob D has recommended a book called ‘A Bit of a Stretch’ by Chris Atkins which took the title of his favourite book of the year. But now there’s a new podcast with the same name and on the same topic. So, if you didn’t read the book, give ‘A Bit of a Stretch - The Podcast’ 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.

It’s Tuesday and that means The Robs are back for another episode of Ask Rob & Rob. First up this week we’ve got Jason and Stacie. They’re considering setting up a limited company with the goal to have around 20 buy-to-let properties in six to eight years. They want each property to bring in a £200 profit, once they’ve deducted all costs from the income. At the moment they have £10,000 in savings and their own residential property where they owe £72,000 on their mortgage, and the property has been valued at £120,000. They’re wondering which option is best for them. Remortgaging their home to release the equity, or use that equity as a deposit for bridging finance and remortgage the buy-to-let property, in order to repay the bridging finance? Now we know Rob & Rob are all about using leverage, but what do they think about bridging finance? Our second question this week is from Dave. He’s doing the background work on wanting to buy his first property investment and he wants to know if £20,000 is enough money to get started? However, he’s wondering if this is even realistic as even the cheaper properties require refurbishing which naturally costs money. So, is it possible to start your property investment journey with £20,000? 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 November market update has in store for you Lockdown begins. We all go on a mortgage holiday. Boris promises a new mortgage product. Surveyors downvalue properties by 20%, but the experts say the market is on the up! And that’s not even the half of it. There’s so much to cover on the November market update, we could be here all week. Here’s what to expect on this week’s property podcast episode To wet your taste buds, here’s a brief overview of what Rob & Rob are discussing on the November market update: The new lockdown Extension of the mortgage holiday Evictions have been delayed again Boris is bringing back 95% mortgages Stamp duty backlog Down-valuations House prices Lloyds house price forecast There’s certainly plenty to get through this month. So make sure you’re comfy as we dive straight into the November market update. Coming soon We’re excited to announce that from next week we’ll be bringing you brand new weekly webinars that are completely free. These webinars cover everything you need to know about getting started in property. You may be thinking, ‘how is this any different to all the other free content you’ve shared around this?’ Well, these webinars will bring you a framework to work off and give you the opportunity to ask questions you’ve always wanted answering. If you’re new to property and are wondering how you get started, or even if you’ve been doing it for a while but feel like you’re lacking direction and strategy, this is the webinar for you. It covers everything you could possibly want and need to know. They’ll be running three times a week at various different times so you’re bound to find a time that suits you. If you’d like to secure your free virtual place for next week, go and do it right now, right 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.

Welcome back to another fantastic episode of Ask Rob & Rob! Kicking off the podcast this week we’ve got Alex from London who has a question regarding mortgages. She’s been struggling to get one at a 75% loan to value rate. Her broker has informed her that’s where the market is at and she’ll have more options at 70%. Is this the case, or is her broker steering her in the wrong direction? Next up we’ve got Rosa who has a question about buying in London. She knows that she 100% wants to own her own property in London as that’s where she was born and raised. However, she’s aware that investing in London probably isn’t the smartest of moves right now. So, can Rob & Rob offer Rosa some advice on a compromise between getting what she wants and making a smart investment? 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.

Getting your property let is key to being a successful landlord But when it comes to getting your property let during lockdown, that’s a bit trickier. So why not try and turn this situation on it’s head and make the most of a bad situation? We’ve said it before and we’ll say it again... in times like this you need to innovate and adapt to the challenges you face. You need to work smarter and harder. And, if you do this now and continue to do it when the world goes back to some form of normality, you’ll be in an even stronger position. Here’s what to expect on this week’s property podcast episode If you’ve got a property that you’re struggling to get let, or you’ve just had a tenant that’s handed in their notice, fear not. This week on The Property Podcast, The Robs are giving you their tips and tricks on getting your property let, each and every time. In this episode the guys are going to take a look at what you need to do before, during and after marketing your property. Keen to find out what the top tips are for getting your property let? Tune in to find out. In the news If you’re not a fan of fury friends then you may not like the news story we have for you this week. ‘MP launches Bill to outlaw pet discrimination by landlords’. The aim behind this Bill is to stop landlords from outright refusing a tenant application who owns a pet. Now they’re not saying you have to allow people with pets, but you will have to consider them like you would anyone else. As you can probably imagine, this hasn’t gone down too well with landlords. In some cases, landlords would charge a higher deposit to a tenant with pets in the event of any damage. But now you can’t even do that due to the five week deposit cap. Whether or not this Bill will pass, we’ll just have to wait and see. In the meantime, there is a thread on this topic over on the forum so make sure you head over there and give your views on the matter. Hub Extra This week, Rob B has got a couple of book recommendations for you. These books are ideal for anyone who runs a business, is high up in a business or just simply wants to understand business. They are, Rockefeller Habits and Delivering Happiness. Both books are very different. Rockefeller Habits will give you an idea on how to run a business and Delivering Happiness will guide you on how you can deliver a great service. 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! See omnystudio.com/listener for privacy information.

Welcome back to Ask Rob & Rob! It’s Tuesday, and that means we’ve got another two property questions that need answering. First up this week we’ve got Pauline from Gothenburg in Sweden! She has a property in the UK which she purchased 5-6 years ago thinking it would be her forever family home. The property is in a rural part of Scotland where demand isn’t that high in terms of renting or purchasing. It’s been on the market since the beginning of lockdown and it’s just not selling. The agent has now suggested that Pauline turn it into a rental. However, she already has four other rental properties in other parts of Scotland that have the fundamentals, whereas the location of this property, doesn't really have the rental fundamentals needed to make it a success. So now she’s wondering if she should drastically drop her asking price and take a loss, or if she should put it on the rental market? Next we’ve got Jeremy who’s got a concern about his potential remortgage offers. He’s got a couple of apartments in developments that have cladding issues, following on from the Grenfell disaster. Now Jeremy is wondering if the cladding is going to cause issues for him, should he want to remortgage? More so if he’s looking to pull money out of the properties and refinance. So, will cladding issues affect the ability to remortgage? 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.

What impact has coronavirus had on rental arrears? It’s safe to say that coronavirus has had the opposite effect on house prices than what we originally thought it would. But what about rental arrears? Understandably, tenants have struggled more than ever to pay their rent. The government has even put in considerable measures to stop you from taking action against those tenants. But what impact has the coronavirus actually had on rent arrears? Here’s what to expect on this week’s property podcast episode There’s been a lot of contradicting surveys out there which makes it harder to actually know what the real impact has been. But Rob & Rob have recently come across a report from Pay Prop which gets into this data - and that’s what The Robs are going to be picking apart. The data looks at actual transactions from thousands of different tenants, so you can guarantee it to be more reliable than the numerous surveys asking landlords for their individual thoughts. While the effects of coronavirus are being felt across the country, this led us into looking at tenant arrears as a whole. If you’re a long-time listener, you’ll know that choosing where to invest is one of the most important things you need to consider when investing in property. Because, believe it or not, there are a few areas in particular where a huge one in four tenants are in arrears. Where are these areas? That’s exactly what Rob & Rob are discussing on today’s episode. Tune in to find out. In the news Maybe it’s the time of year, but we’ve come across one news headline that’s terrified us. ‘Boris Johnson’s 95% mortgages will put Britain back on course for a house price crash’. Like Rob B, many others thought it was going to support the market when in actual fact it’s going to cause a crash! However, like all good headlines, there is one major factor that The Guardian have missed out of this story. The fact that 95% mortgages will first bring about a property boom and then a crash. Which shouldn’t surprise you if you know how the 18-year property cycle works. There’s a crash after every boom. If that wasn’t enough, we’ve found another headline which might not seem as interesting, but has the potential to be a bigger story. ‘John Lewis to build and furnish private rental properties’. The standard of the rental market seems to constantly be upping its game. And it seems that John Lewis wants a piece of the pie. The owners of the company also own Waitrose and therefore already own a lot of land and they want 40% of their annual income to come from somewhere other than retail. Hence why they’re turning to property. Not only will all properties be furnished with John Lewis furniture, there will also be a food delivery service for tenants from Waitrose. These are certainly going to be high-end properties. Hub Extra Do you hate cookies? No, not the biscuit kind. The ones that pop up on every website you visit. Well, so does Rob B and after moaning about it to Rob D, he was introduced to this nifty little tool. It’s a browser extension called I don’t care about cookies. It works across all major browsers, simply just install it and the majority of those annoying pop ups will be blocked. So now the only cookies you need to concentrate on are those that you’re dunking into your brew. 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 about buy-to-let mortgages with no income and whether Cardiff is a good investment hotspot. So, our first question this week is from Michelle. Michelle and her partner now have the money to invest in property and they think that now or January 2021 is the perfect time to purchase their first buy-to-let property. They’re not currently married and at the moment Michelle is a stay at home mum, but she does have a professional background. She doesn’t have a mortgage in her name, so therefore thinks it makes sense to put the investment property in her name to avoid stamp duty costs. Her partner is also a 40% tax payer so it also makes sense for the rental income to come through Michelle. But what Michelle now wants to know is, how can she get a mortgage without an income? Is it even possible? The second question this week has come in from Alex. He currently lives and invests in Cardiff as he believes it has all the fundamentals. Alex has noticed that Rob & Rob have never touched on Cardiff, or any city in Wales for that matter, on any of the podcasts. So he’s now wondering if that’s because The Robs don’t see Wales as a good investment location, or just because there are better opportunities in other cities. Do Rob & Rob just not like Wales? Or is there a reason they’ve never chosen a Welsh city as one of their property hotspots? 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.

What is delayed gratification? Back in the 1970’s a psychologist named Walter Mischel performed an experiment on children to monitor their behaviour. He placed a marshmallow in front of them and told them if they didn’t eat that marshmallow by the time he came back in the room, they could have two. You may have seen something similar doing the rounds on social media with parents trying a temptation test on their children. The idea behind the experiment was to see if the children could resist having something pretty good right now, to gain something even better in the future. That’s delayed gratification. Here’s what to expect on this week’s property podcast episode Believe it or not, delayed gratification plays a part in investing today. It means having money now, and not spending it so your life can be better in the future. So in this week’s episode The Robs are going to share some real life examples of why it can be damaging not to delay gratification, and are also sharing their thoughts on how you can do it more successfully. In these real life examples we’ll hear about one family who spent every penny they had coming in. They would buy fancy cars, live in a big house, go on expensive holidays, but they didn’t have a savings pot for a rainy day. On the other hand we have a guy who’s worked hard for eight years and sometimes thought about giving up. But he didn’t, he persevered and now he has his 10th property and is financially independent. How can delayed gratification affect your property investment dreams? Unfortunately, the majority of the country works like the first example. We want everything handed to us, we want things quicker and we want them now. A lot of us aren’t willing to wait for the things we want, we’re a pretty impatient generation. And of course, social media can play a big part in this. You may see someone on social media that’s living out your property investment dreams, or it at least looks that way. But it might not actually be true. Sometimes your ego can get in the way of this. You may feel like you’re in competition with other people who are doing the same thing as you. And that’s where your downfall will be. So, how can your ego and delayed gratification affect your property investment dreams? Tune in to find out. In the news This week we’ve got two news stories for you that we couldn’t not talk about. The first is ‘Boris Johnson plans 95 per cent mortgage scheme’. In the latest conference a few weeks ago Boris Johnson seemed to put property at the top of the agenda and introduced generation buy. In a nutshell, this seems to be a rebranded Help to Buy scheme trying to encourage mortgage providers to offer 95% mortgages. The second news story we wanted to share is ‘House prices soar by 7.3% in September’ from the Halifax. This is the steepest annual increase since June 2016 according to their latest index. It’s absolutely bonkers that this is happening during a pandemic and we’ll certainly be going into more detail on this in the market update in a few weeks time. Hub Extra For Hub Extra this week we’ve got a quote that ties in pretty well with today’s podcast topic and it’s from Abraham Lincoln. ‘Discipline is choosing between what you want now and what you want most’. It’s all about what you want the most in the world and if you’re able to make short term sacrifices in order to obtain the thing you want the most. 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. First up this week is Matt from York. He’s a long-term listener and has finally got in touch to ask a question around stamp duty. Matt has a couple of houses that are currently under his personal name. So he’s wondering if now would be the ideal time to move those properties into a limited company? The reason for this is that stamp duty is currently at its lowest and he’s wondering if it will be beneficial to move his properties into a limited company. Our second caller this week is someone we’ve called Samuel. Unfortunately Samuel invested a lot of cash into his property education and has found that he’s not getting much more from that than what he’s getting for free from Property Hub. After looking into the hotspots that we recommend, he’s wanting to know why Rob & Rob have never recommended Huddersfield as a place to invest? There’s a university, the prices are pretty good and with the current market, he’s wondering if The Robs think now might be a good time to target Huddersfield? So, do Rob & Rob think now is a good time to be moving your property over to a limited company? And do they think you should consider investing in Huddersfield? 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.

Solicitors. Can’t work with them, can’t work without them Believe it or not, solicitors are incredibly important to the success of your property investment journey. So this week we thought we’d get a solicitor onto The Property Podcast to discuss what makes a great one. You’ll also gain an insight into what actually happens during the conveyancing process and what you can do to make it go smoother. The Robs will also be discussing how you can make your investment journey a lot easier. Here’s what to expect on this week’s property podcast episode The process of making a property purchase isn’t exactly the easiest or most glamorous of processes. The conveyancing process can be long, frustrating, confusing and sometimes even leave you feeling like you’re going to lose out on your deal. Solicitors quite often get a bashing in their line of work. And we’re holding our hands up, in the past we’ve said some uncomplementary things. So this week on The Property Podcast we’ve got solicitor Afsheen Nasr who is a partner at Ronald Fletcher Baker to come and defend solicitors everywhere. This episode is to give you a clearer understanding of what goes on during the conveyancing process and why it can take so long. There’s actually some pointers for what you can do as a proeprty investor to speed up the process from your end. As you’ll be aware, being able to complete on a property quickly can be a huge bargaining chip when negotiating. Is a rapid conveyancing process even possible? Tune in to find out. In the news It’s that time again, August’s Hometrack report has been released. As The Robs predicted at the beginning of the year, Manchester and Nottingham are at the top with an incredible 4% year-on-year increase. Considering the year we’ve had, the data is actually telling us that it hasn’t been too bad. It definitely could have been a lot worse! It’ll be interesting to see what happens in the last quarter of the year. Hub Extra This week’s Hub Extra tool might be something that you’re already using or something you’ve never even heard of. It’s IOS Shortcuts. If there are certain things that you use all the time on a daily basis, instead of scrolling through to find the app, you can just click on the shortcut. It’s incredibly handy and really time efficient. And if any Android users thought they were getting left behind, Rob D has found you a similar tool to implement if you watch tutorials on YouTube. 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 naturally that means The Robs are on hand. The first question this week comes from James from St Albans. He’s a new listener and has been bingeing all of the past episodes. He’s been looking at new developments in key locations and gets the impression that they’re open to offers. So now he’s looking to find out what Rob & Rob think would be a reasonable starting point for trying to negotiate a discount. And for others wondering the same, we’ve got a handy video on negotiating a discount on a property right here. Also, some of the developments he’s been looking at have fantastic on-site amenities, which in turn means they also come with a higher service charge fee. James is wondering if he should be concerned about these charges or if they’re generally covered by the rental income? Our second question this week comes in from Kathy who has a question about regulated tenancies. She’s wondering why anyone would want to buy one as she seems to think that it means you can’t get rid of tenants if they stop paying the rent. She’s seen some selling at auction for quite a bit over the asking price so she’s wondering if they’re a good type of investment or she should stay clear? What do Rob & Rob think of properties with a regulated tenancy? 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 market update is back There’s loads that’s been happening in the past month that affects both property and the economy. Which is great for us as that means this is going to be a jam packed episode. This month on the market update, Rob & Rob are going to be delving deep into: Inflation Interest rates Evictions Property prices Here’s what to expect on this week’s podcast episode The government has announced that there will be no autumn budget. This is because things are constantly changing and it’s impossible to know how much they’re going to be spending. This is actually a good thing for property investors as a few people were worried about capital gains tax. Instead of the autumn budget, the Chancellor has announced that there will instead be the winter economy plan. This will revolve around additional support measures from the government. The VAT cut for the hospitality and tourism sector has been extended until March - which is a positive for businesses that have been hit hard. That’s just a teaser of what’s in-store for you today. There’s plenty more where that came from, so make sure you tune in! The Property Hub Magazine We really mean it this time. You’ve only got until the 9th October to subscribe to the magazine to receive the November/December issue. It’s £5 every two months and, as soon as you subscribe you’ll have access to the whole back catalogue of every issue we’ve ever done. This issue is all about the lessons learnt in 2020 and let’s face it, there’ve been a few! Not only that, but if you’re a rugby fan, there’s also an interview with legend Ollie Philips following his property investment journey. So, if you want to get ahead of the game, make sure you subscribe now! YouTube If the magazine wasn’t enough, make sure you’ve checked out our latest YouTube video. It gives you SIX different ways that you can raise cash to invest in property. Which lets face it, is the number one barrier for most people getting started. It can be challenging and take time, but it will be worth it. So make sure you go give it 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.

Rob & Rob are back again to answer two more property questions from our lovely Hubber community. To kick-start this week we’ve got Dami. She’s a 20-year old student living in Aberdeen and due to graduate this year. She’s hoping to move out of home a year after she graduates and during this year she’s aiming to save around £15,000 - £20,000. This will be the first time she’s left home and is wondering if she should use that money to buy her own place or invest it in something else. Dami doesn’t want to rush into anything and wants to make the right choice for her situation. But she’s also wondering if she should wait a few years until she’s a little bit older. Is age really a factor when it comes to buying property? Next we’ve got Luke from South Wales who’s got a question about pets. He’s about to acquire his second rental property and has already had an interested tenant reach out to him. She currently lives next door to the property with her parents but has told Luke that she has four dogs at the moment and is about to gain a fifth. Normally Luke doesn’t allow pets in his properties. However this potential tenant seems like they could be a long term tenant and has even said they’d be happy to pay more rent because of the dogs. So, what do Rob & Rob think Luke should do? 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.

From Robert Kiyosaki to Ray Dalio No, unfortunately Ray Dalio hasn’t joined Rob & Rob on this week’s episode of The Property Podcast. That would have been epic though! Even Rob B confessed he might not have been able to get through that interview without being starstruck and giggling the whole way through. However, if you follow Ray Dalio on LinkedIn then you’ll have seen he’s been sharing some amazing insights via video this year. But they can be quite hard to understand and digest. So, Rob & Rob have done the leg work for you and are about to summarise what Ray has been saying. They’ll be talking about the US a lot, but what happens there affects the whole world. So stay tuned. Dissecting the thoughts of Ray Dalio on The Property Podcast Economics can be an absolute minefield when you know aspects of it, but don’t completely understand it. Thankfully it’s a topic that The Robs are incredibly passionate about and have kindly dissected Ray Dalio’s work into a more digestible version. Here’s what The Robs are discussing on today’s podcast, thanks to Ray Dalio: Debt cycles The first topic is the short-term debt cycle. This is also known as ‘the business cycle’ and it repeats every eight years. This consists of: Debt-driven expansion... Over-optimism… Contraction/recession. Because these happen so often people tend to understand them pretty well. And it’s something that Ray Dalio covers in his popular video, ‘How the Economic Machine Works’. The bigger deal is the long-term debt cycle. Now this cycle is considered more important but it’s more poorly understood and that’s because it lasts roughly 75 years. This is the lengthy one that you’re going to want to wrap your head around so you’ll want to grab a pen and paper for this part. The current debt cycle Yes, it’s happening right now. So once Rob & Rob have walked you through the different stages of the long-term debt cycle, they’re going to put it into real terms. They’re going to take a look at how it’s currently playing out, particularly in America, and what stage of the cycle we’re at. What does it mean for us? As well as the long-term debt cycle, Ray describes how global power shifts between different countries over time. But what does this all mean for us here in the UK? To find that out, you’re going to have to tune into this episode to find out. You may even end up listening to it more than once! Enjoy! This week’s news This is where we would usually give you a link to a news article and Rob & Rob would discuss (or tear it apart) on the podcast. But this week we’re not giving you one. That’s because this week is usually when we have our Market Update episode and The Robs delve into everything that’s been going on in the world over the past month. They’ve decided to push that back to next week. So, to give you a teaser, you can expect to hear all about the potential of negative interest rates, and why up to 6% of homes in England could be unmortgageable right now. It’s going to be a good one so make sure you tune in next week. Hub Extra If today’s episode hasn’t completely exhausted every brain cell you have, then we’ve got just the resource tool for you. Of course, it’s Ray Dalio’s articles that we’ve discussed in today’s episode. If you’re ready to take your economic knowledge to the next level then these will certainly get you there. The Property Hub Magazine As Rob B mentioned in today’s episode, if you subscribe to the magazine now you’ll be on the list in time to receive the November/December issue. And yes, he was right, this issue is all about the lessons learnt in 2020 and let’s face it, there’s been a few! Naturally it’ll tie in with when Rob & Rob review their predictions from the beginning of the year. There might even be an insight as to what to expect next year. So, if you want to get ahead of the game, make sure you subscribe now! 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 here to answer two more fantastic property related questions. So hold onto your hats! The first caller to get in touch this week is Matt. Matt previously bought his residential apartment as a long-term investment opportunity. The apartment is located in central London, near the Olympic Park. There’s currently tonnes of investment going on in and around the area with two new hotels being built, BBC studios, the new VNA museums and different universities moving into the area as well. He currently has a lodger that pays £1,000 per month which massively helps towards the bills and is helping him to save money for when he wants to move out of London. However Matt is now concerned that with the way the future of working is going, he wouldn’t be surprised if businesses moved to smaller office spaces and we end up seeing more remote working. He’s been doing his research into Zoopla reports and now he’s wondering if he should ride it out or get out whilst he still can. Next up we’ve got Clara who’s wanting to know what Rob & Rob would advise when looking to prepare for a market crash. Would they suggest remortgaging and pulling any money out and keeping that money in cash, or keeping it somewhere else? Ultimately, how do you make sure you’re protected for the inevitable? For the first time in Ask Rob & Rob history, The Robs have refused to answer this question. Tune in to find out why! 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.

Last week’s episode was epic. This week’s is even better It’s Rob & Rob’s reactions to last week’s interview with Mr Robert Kiyosaki, author of Rich Dad Poor Dad. We’ve received so many messages in the past week on what people thought of the interview and there were very much mixed opinions. So it was only right that The Robs discussed exactly what was said last week, and what they really think of some of the topics Robert Kiyosaki had very strong opinions on. If, like most of the comments we’ve had on social, you’re wondering if Rob & Rob are about to sell up and start buying gold, then you’ll want to stick around for this episode. On today’s property podcast episode If you haven’t listened to last week’s episode, we suggest you go and listen to that first. Mostly to understand why Robert Kiyosaki has caused a stir in the Property Hub community. Before we get started, Rob & Rob still stand by the fact that Rich Dad Poor Dad is very much still relevant today. But in this episode Rob & Rob are going to tackle some of the points that Robert raised and share their point of view. One topic that Robert raised was that people’s jobs are going to be replaced by technology. Apparently Zoom and Youtubers are going to replace teachers and technology is going to replace doctors. Another topic he repeatedly came back to was Warren Buffet and buying gold. Apparently Warren Buffet has dumped all of his banking shares and is now turning to buying gold. It’s not quite as black and white as Robert Kiyosaki made out, so maybe you shouldn’t be taking what he says as gospel. Tune in to listen to the other madness that Rob & Rob are discussing on today’s episode. If anything, you’ll get a good laugh out of it. This week’s news In the news this week, it certainly seems like the property market is still hot. Rightmove have recently released data showing how long it takes for a property to be sold. The number of homes selling in a week has hit a ten-year high! One in seven properties are now having a sale agreed within one week of being listed, which was one in ten 12 months ago. It doesn’t come as a surprise that it’s the bigger houses that are benefitting from this. Since the pandemic everyone has been looking for more space. Although the London market is the slowest performing, it’s still doing better than 12 months ago. Hub Extra At first glance you may think that Rob & Rob have lost the plot after that interview and are now just throwing animals around. But Rob D is recommending a tool called Camel Camel Camel. It’s designed to help you track prices on Amazon. The majority of us, when buying something online will naturally turn to Amazon to see if it’s available on there, and more so for the speed of delivery. Prices on Amazon do change quite frequently and sometimes by a considerable amount. So what Camel Camel Camel does is you put in a product you’re interested in and it will send you an email alert when there’s a price drop. It’s completely free and it will save you even more money. The Property Hub Magazine We’re busy putting together the last issue of 2020 and it’s shaping up to be the best issue of the year! To give you a little sneak peek, this issue’s location focus is going to be on Crewe. It’s a major commuter town and one where Property Hub Homes built its first development. And naturally it’s jam packed with investor case studies and comments from within the Hubber community that we’ve been getting you involved in. Click here if you’d like to get subscribed now. You won’t regret 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.

Rob & Rob are back again this week to answer two more Hubber questions. First up this week is Brad. He’s been listening to The Property Podcast for the past couple of years and has just finished university where he’s studied real estate. He’s been giving his parents a helping hand in getting started on their property investment journey, with their first purchase being in Norfolk at the beginning of the year. They’re now at the stage where they’re looking to invest in something else, potentially a holiday let. They know there’s more work involved with a holiday let, but with more people taking staycations, they’re wondering if now is the perfect time for it. We’ve been getting a lot of questions lately around holiday lets, so do Rob & Rob think now is the time to look at it more seriously? Our second caller this week is Michael from South Wales. He’s been doing a lot of viewings recently as he’s on the hunt to purchase his first buy-to-let property in a limited company. Currently he’s got six property viewings with one agent but he’s wondering how it works with putting an offer in. He only wants to purchase one property but is wondering if it’s worth putting an offer in on multiple properties, just to be on the safe side? What do Rob & Rob think he should do? 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 property podcast episode you’ve all been waiting for. Rob & Rob’s interview with Mr Robert Kiyosaki, author of Rich Dad Poor Dad. Rich Dad Poor Dad is possibly the most famous personal finance book ever written. We know it’s been a staple educational tool for most property investors getting started on their property journey. So when Robert Kiyosaki asked if he could come on The Property Podcast, it was a no-brainer. Whilst Rob D was busy enjoying a day at the zoo, Rob B was busy picking Robert Kiyosaki’s brain. And he’s definitely not a guy who’s short of an opinion. On today’s property podcast episode In this episode you’ll hear Robert’s thoughts on certain topics - some attention grabbing ones, and others that are pretty controversial. So in next week’s episode Rob & Rob will be sharing their reactions to what’s said in today’s podcast. You won’t want to miss it! Rich Dad Poor Dad was written over 20 years ago and has proved to be a timeless book that could have been written at any point during that time frame. One of the questions Rob B wants to know the answer to is…. if Robert now thinks differently about anything he wrote back then, and is there anything he would change now? We’re not going to spoil the whole show for you as it’s truly a fantastic episode and one that you should definitely listen to. It’s not every week we have property royalty on the show. This week’s news In the news this week, ‘lenders pile into the ‘Airbnb mortgage’ market as staycation boom continues’. Most people across the country have opted for a staycation this year to avoid quarantine measures for going abroad. This has both been great for the local economy but also property investors who were severely struggling over the lockdown period. Now business is thriving again. Previously, there have never been that many mortgage products available for holiday lets, as you need a certain specific mortgage which is completely different to a buy-to-let mortgage. However things seem to be changing. Lenders have noticed an increase in demand for holiday let mortgages and have now jumped on the bandwagon. So if it seems that if you were planning on going for the holiday let strategy, now is the time to do so. Hub Extra Now you might not be surprised that this week for Hub Extra we’re recommending the book, Rich Dad Poor Dad. Because if you haven’t read it already then you definitely need to! Even if you’re not yet ready to start investing, there’s a lot that you can learn from it regarding personal finance. We’re also recommending that you give this podcast episode a listen where Rob & Rob re-read the book and go over the five things that they still agree with, but also the five things they don’t agree with. If you want to read the book then maybe do that first before listening to the podcast episode so you can come to your own thoughts on it before listening to The Robs. The Property Hub Magazine Don’t forget, if you’re wanting to subscribe to the Property Hub Magazine, we’re currently running our special offer! So if you sign up before midnight on Monday using the code ‘SPECIALOFFER’ you’ll not only be registered in time to receive the last magazine of the year (crazy!) but you’ll also receive the current issue for FREE! Click here if you’d like to get subscribed now. You won’t regret 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.

It’s Tuesday. And that means another episode of Ask Rob & Rob. Our first question this week comes from Michael. He’s seen that in some city centres like Liverpool for example, there are developments that are advertised as ‘investor only’ developments and he’s a bit concerned. These are developments that offer guaranteed yields for a certain period of time, so he’s wondering what Rob & Rob think of these schemes. Rob B tackles this question head on, and not only shares his views on these schemes, but also goes into detail about how they actually work. Our next question is from Jordan who’s got a question about lifetime ISAs. He’s a first time buyer and he’s set up a lifetime ISA to take advantage of the government's 25% bonus scheme. At the moment, due to coronavirus, there’s no penalty for withdrawing the money, whereas previously you would lose around 6% of the original deposit. However he’s wanting to know if buying a property with a lifetime ISA means he loses any profit that he would make on his property in the future? We’ve had a number of questions come in recently around lifetime ISAs. So, should you avoid putting your money into a lifetime ISA or go and an open one tomorrow? 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’ve got a great episode for you. We’re talking about exit strategies. Now you may be thinking, ‘why on earth would I want to think about getting out of property when I’m only just getting started?’. Well, there’s actually a valid reason for thinking of the end goal and considering your options for when you’re ready to let go. So on today’s episode, Rob & Rob are going to be talking about the following: Flips They’re the most basic, but not the easiest of strategies. You buy it for X amount, spend Y doing the property up and sell it for Z. More often than not, X+Y should be less than Z. But what if it’s not? And what if you’re doing it on bridging finance or as part of a joint venture? Then what? Rent-to-Rent/Serviced Accommodation This is quite a popular strategy but more of a hands on one. You tend to rent for X amount, sublet it for Z amount and therefore Z should be more than X. Sometimes you won’t be able to sublet the property, then what happens? What if there’s an issue with the property? Or, now you’ve built up enough cash for a deposit, how do you get out of your current situation? Buy-to-Let And finally your plain vanilla buy-to-let strategy. By no means is it the most glamorous but it is the simplest. You’ll buy a property for X amount, spend Y amount on things like furnishings and then you’ll rent it out for Z. Z/X+Y * 100 = Yield. Pretty simple and straightforward. What happens if the property doesn’t rent, or you have massive unexpected expenses? These are just some of the examples Rob & Rob cover on today’s podcast. Make sure you tune in and map out your exit route. This week’s news story headline reads ‘markets predicting negative base rate as BoE keeps options open’. In previous weeks the Bank of England have voted to keep interest rates to a historic low of 0.1%! If you thought that was crazy, read om. Because there’s the potential to go lower than that! For some reason it seems like the markets are expecting the base rates to go negative at some point in the next year. However the BoE don’t have any plans on doing it, but never say never. This week’s Hub Extra is a tool that Rob & Rob both use to pick the right background music for them to work to. If you’re like them and you need a bit of a soundtrack to get you through something tedious you’ve been working on then maybe you should give Flow State a go. It’s a daily email where they send you a link to a new artist where they’ve handpicked music that’s good for concentration. There's a wide variety of music choices so you may be surprised. 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 another episode of Ask Rob & Rob. First up we have Ed who wants to ask about joint ventures. Ed has a few properties he’s worked on using the buy, refurbish refinance strategy. They’ve gone down so well that Ed now has a few contacts looking to do joint ventures with him. They want to put in the cash while he handles the rest of the workload. He wants advice from Rob & Rob on how to structure this from a legal point of view to protect both himself and the investor. There are many different ways to structure a joint venture, but there are two common ones. And in this episode, Rob D runs through both of these to help you understand the two most popular ways people run their joint venture agreements. The important thing is to make sure the structure is right for all parties. The second caller this week is Pete. He’s got his first property due to complete this year. He bought it at £250,000 and it’s increased by around £30,000-40,000 already. Pete wants to know if he can use this increased value as part of his deposit on the buy-to-let mortgage he’s taking out on it. He’s buying his property through a limited company so wants to leverage what he can. Will Rob B make Pete’s day or is Pete asking the impossible? Rob B does give a sneaky insight into valuations and dishes some dirt on why valuations are always done on the purchase price, so this is a great episode to help anyone who’s purchased off-plan and is looking to take advantage of any uplift in value. 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 episode you’ve been waiting a whole month for. It’s August’s market update! There’s so much that’s happened in August, it’s been crazy! Normally you would expect August to be a bit of a quieter month, with people taking time off, going on holiday or just spending time with their children during the school holidays. However, given the current circumstances, that’s not been the case at all and some certain topics that the guys are going to discuss today have been quite surprising. Here’s what The Robs are going to be talking about on today’s episode: Property prices Evictions Mortgages Insurance Taxes The economy Plus a whole lot more just in case that wasn’t enough for you. Not only are Rob & Rob bringing you the market update, but they’ve also been on the phone talking to none other than Robert Kiyosaki, the author of Rich Dad Poor Dad, just in case you didn’t already know. Now we’re going to be keeping all the juicy details from that conversation for next week, but Robert Kiyosaki does actually have a virtual event on this weekend! It’s on Sunday at 8am for the Global Crisis Summit so if that’s something you’d be interested in, you can get your virtual ticket here. If any of the job roles that Rob & Rob discussed in today’s episode and you’d like to apply, you can go and check out the full job roles right here. 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.

We’re back with another episode of Ask Rob & Rob and this week the guys are discussing questions on HMO’s and why they do/don’t love Birmingham. The first question we’ve got for you this week is from Martin, who after listening to the podcasts has gone on to recently purchase his first property. It’s a 3-bed property that would rent out for around £800pcm and he has the option to renovate it and turn it into a 4-bed HMO that will bring in around £1,600pcm. He’s now questioning whether he’d be better off appealing to a family where he won’t have to pay the bills for them, or go for the HMO market and tenant turnover, but almost doubling his income? It’s certainly a tough decision to make Next up we’ve got Jordan. Clearly due to his question he’s been a long term listener as he’s got a question based on a podcast The Robs did a few years ago. The podcast episode was why Rob & Rob don’t show Birmingham much love so now Jordan is wondering if three years on that’s still the case and The Robs still don’t love Birmingham. To him it seems like a good choice as from what he can see the fundamentals are there, but he’s wondering if he’s missing something. Tune in to find out if Rob & Rob have a new found love for Birmingham or if they’d still keep away. 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.