The Property Podcast

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.

At some point in your property journey you’re going to get people who are questioning what it is you’re doing. People that doubt you’ll make any money from investing in property and they’ll try and put you off. So in this week’s episode of The Property Podcast, Rob & Rob are going to discuss how you should deal with them, but more importantly, why you should encourage them. Sounds crazy, right? What if we told you that you should use what the doubters say as momentum to spur you on? Because that’s exactly what Rob B did himself about a decade ago. Rob B shares a personal experience in today’s episode and it might just give you the push you need to keep going and ignore the haters. In the news this week, ‘collapse of Airbnb popularity produces glut of long-term stock’. After speaking to Chris Ryder a few weeks ago, you wouldn’t expect to see this headline, especially now it seems the majority of the population are enjoying staycations this summer. However research from Hamptons International has shown that one in eight properties coming onto the market in inner London have previously been on Airbnb or other short term let websites. It also shows that the number of homes available to rent in inner London is up by 42% compared to last year which is a huge increase! But there are many factors that can contribute to this. As a result it’s pushing rental prices down. Which is something that The Robs will discuss on next week’s market update. This week’s Hub Extra is a new podcast for you to listen to! Our podcast producer Dan has also been working on a new podcast called ‘Naked Money’. The show has Robbie Burns as the host who’s a multi-millionaire stock trader if you didn’t already know. He’s more famous for his book, The Naked Trader which is a book Rob B loved. So no doubt the new podcast is going to be just as good. 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 still answering coronavirus related questions and helping one caller put his mind at rest on his recent investment To kick start this week, we’ve got Harsh. Along with a friend as part of a joint venture, they’ve bought their first buy-to-let property in Crewe. However he’s now having worrying thoughts. Harsh has clearly been listening to our weekly podcasts and he knows that Crewe is an area that we’ve mentioned numerous times on the podcast and an area Property Hub Homes even built a development in. But he’s also listened to the episode on Rob D’s investment in Nottingham and is now worried that because he only paid £75,000 for his property, it’s not going to benefit from capital appreciation. Is this a general rule of thumb? Should Harsh think about selling and investing somewhere else? Our second caller is Pedro. He’s got a question about the effects of coronavirus and the impact it’s had on people working from home. Since more people are now working from home and potentially going to continue to work from home for the foreseeable future, will this change the fundamentals that we look for when investing in property? So what do Rob & Rob think about this? 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.

Get ready… because Rob & Rob are about to change your life! Seriously. Now is the prime time to be making improvements to better yourself. We’re living in strange times right now, but we can see this time as an opportunity to make dramatic differences to your life. You can come out of the coronavirus pandemic far stronger than you went into it. Here’s what we cover in today’s episode: Goal setting - we genuinely believe it can transform your life. Listen as Rob & Rob talk about how they use goals, both in person, and in their business. If there’s one action you take from today’s episode, let it be this one. There might be goals you’d set now, that would have been completely different to what you may have set at the start of the year because so much change has been forced on us. Here’s the episode Rob D refers to when talking about property megatrends. You can take the goal setting course right here for free too. Creating habits - habits are the things you can do every day to get you that one step closer to your goals. Now is the ideal to review your habits, see which ones you’d rather not have and see which new ones you want to create to support what you want to achieve. Listen as Rob D talks through forming new habits and how to make them stick. For inspiration and more details on how you can learn to habit stack, you can go and listen to Rob & Rob’s brain hacks episode right here. Fitness - it’s become a huge thing right now. It’s massively helped Rob & Rob during lockdown. Many people have now transformed their old fitness habits and created new ways to work out, because they’ve had to during lockdown. And actually, it’s becoming apparent that people are preferring their new routines. Mental health - there’s been a huge focus on mental health throughout lockdown. The media hasn’t helped the downward spiral in those struggling mentally, but we can all try our best to be more aware of how our mental health is being affected during these times. Rob B talks us through how he’s using meditation now more than ever, and how it’s helping him massively. Education - We know a lot of you have been focusing on your education, because our website stats for our educational resources are breaking records. But could you be doing more? Finances - A renewed focus on finances is never a bad thing. We’ve had a pandemic which has affected people negatively through job losses, but there’ll be others who have used this time to conserve cash through not commuting or spending unnecessarily. Rob & Rob have done a previous episode about personal finance which you can find here. You can’t be a property investor and have poor finances, so if you haven’t focused on this yet, you need to. Taking action - doing deals, or getting ready to do them. The market is incredibly strong right now. People are coming out of lockdown ready to invest. And if you’re not yet ready, at least start preparing yourself. Rob B delves into everything you should be doing NOW, so you can strike as soon as you’re ready. Find out why now isn’t the time to be sitting on the fence and why you shouldn't let the media be your investment guide. Find out how others are taking action now, like Chris and his serviced accommodation in this episode. Or Natalie who’s refurbed multiple projects during the pandemic! If you work on all of these things, you’ll become a more successful property investor. In the news this week, we’re talking about this article from The Express: Chancellor's stamp duty holiday gives 'surprising spike' to home values. Prices are up 3.8% year-on-year according to the Halifax, which is a huge jump. It’s surprising because we still have the coronavirus, but also not surprising for reasons Rob & Rob will delve into on this month’s market update - which is only a few weeks away, so make sure you tune in. This week’s Hub Extra is a quote from Dennis E. Adonis which is quite fitting with this episode. “Never restart a journey and use the same road that failed you before.” Listen to find out why this quote resonates so well with Rob & Rob this week. We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do. Make sure you’ve liked and subscribed to our YouTube channel where we upload new content every week! If that wasn’t enough, you can also join our friendly property community on the Property Hub forum. See omnystudio.com/listener for privacy information.

It’s another Tuesday, so it’s another Ask Rob & Rob. And we’ve got two cracking property questions for you. The first question is from Dom who’s just completed on a 2-bedroom flat in South London. He agreed the price back in January before the dreaded coronavirus, and went back to negotiate on the advice of Rob & Rob and managed to snap up an absolute bargain! So he’s ended up with a new house at a massively discounted price. Today he’s asking whether Rob & Rob reckon he should flip it, take the cash and wait for another dip. Rob B has some solid advice today and a bit of warning about that ‘paper-profit’. Dom needs to be careful about allocating overall transaction costs and also about potentially investing on the expectation of a dip in the market. Why should Dom be careful? Why should nobody ever invest based on assumptions? Tune in to find out. Next up is Sabrina from Newcastle. She got hooked on the podcast after reading Rob D’s book and hasn’t looked back ever since - that’s what we like to hear! Sabrina is a first time buyer and wants to know if investing in property via a limited company would preserve her first time buyer status for when she eventually buys her own residential property to live in - therefore avoiding that 3% stamp duty surcharge on second properties. Listen as Rob D takes the lead on this question and explains how we’re all judged as individuals when it comes to property transactions. Try as we might, there’s no getting around stamp duty unfortunately. If only we could wave that magic wand! Tune in to today’s Ask Rob & Rob, it’s one not to be missed! 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.

When we refer to a property super-geek you may think that we’re referring to the number one Property Geek, Rob D. But it seems that there’s someone else who is just as excited by tech and property, and that’s Chris Ryder. You may remember Chris from a few weeks ago when The Robs interviewed him about his serviced accommodation business and how it was coping during lockdown. Well, he’s joining Rob & Rob again this week to talk about all things tech in property. Before getting involved in property Chris was in a good corporate career that centered around software development. Chris has since gone on to deploy different apps and systems into the day-to-day management of his business. So, naturally Rob & Rob couldn’t resist doubling down and getting unashamedly geeky about property and tech. Tune in to find out how these apps have changed the way in which Chris manages his portfolio. You may pick up a few tips for yourself if you self-manage your properties or you’re thinking about doing it. Over the past few months we've shared a number of news stories around mortgage products and how much they’ve changed, particularly during lockdown. The long term trend with mortgages and rates was downward, and even with interest rates going up, mortgage rates were still low because everyone was competing for business. Now, it seems that’s been flipped on its head. There’s plenty of people now seeking a mortgage but the rates aren’t particularly attractive. One broker Rob D spoke to recently even said that some lenders are currently putting their rates up because they wanted to become less competitive! Lenders are actually struggling with their workload so much that they want to put people off from applying for a new mortgage with them. Absolute madness! We’ve got another two resources for you for this week’s Hub Extra. Naturally they’re related to what Chris has talked about on this week’s episode, and they’re both helpful with connecting different pieces of technology together to do cool automated stuff for you. The first is called ‘if this, then that’ which allows you to connect different tools together and it’s pretty cool in the way that it works, just have a look at the website. The second tool is called ‘Zapier’ which is basically the same thing but a little bit more techy and more for connecting ‘small business’ kind of software. 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 two great questions around location and using the bounceback loan scheme to fund your deposit. Is it a good idea? It seems a number of people are turning their head towards Liverpool for investing in property right now, and this week we’ve got another question regarding properties in the area. So let’s get to it. The first question is from Mohammad. He’s recently acquired £50,000 from the bounceback loan scheme through his limited company and he’s now wanting to know if he can use this money as a deposit for a buy-to-let property? There’s been a bit of confusion and uncertainty around this topic as it’s not really been clear as to whether you can use the bounceback loan as a deposit. So, do The Robs think it’s alright to use the loan as a deposit or do they think Mohammad should reconsider? Our second caller of the week is Harry from Bristol. He’s asking if £70,000 is too cheap to purchase a decent property in Liverpool? If Rob & Rob think it’s too low, Harry wants to know what they think would be the minimum they’d pay for a property in this location. Naturally, there was only one Rob to take on this question, so it’s over to Rob B to answer this one. Does Rob B think that Harry should be looking at paying more than £70,000 to get himself a good investment property? 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 The Robs are discussing the importance of knowing what mega trends are currently playing out in the property market. Yes, it’s important to know the tactics behind becoming a successful investor, how to get the best deal and understanding mortgages. But it’s just as important, if not more important, to understand the mega trends that are taking place. Because if you don’t understand the trends, you could find yourself on the wrong side of very powerful forces. So today Rob & Rob are going to take you through trends that could happen, so you can put yourself in the strongest position going forward. Here’s a look at the trends that they’re going to cover: Reversal of city centre living UK becoming less London-centric More home-working Death of retail More holidays in the UK “Peak HMO” If these aren’t topics that you’ve thought about already, then you’re going to want to listen to this episode. These particular trends are some that could happen off the back of a crazy start to 2020, so The Robs are taking a look at how they might affect property investment in the future. In the news this week there’s been more bad news and mixed messages. But we’ve actually got a good news story for the property market; ‘asking prices reach four-year high’ according to Rightmove. Which seems crazy right now with everything currently going on but since March average asking prices have grown 2.4% bringing the price up to £320,265. It seems like the confidence and optimism has swept across the country with other areas seeing even bigger increases than this. This week’s Hub isn’t a new resource or a new app, it’s actually something that’s been around for a while but only recently have The Robs become fond of it. The app in question is Google Photos. If you don’t know what it is, it’s basically storage for your photos that are backed up in a cloud for a minimal fee each month. But there’s two reasons why Rob & Rob are fascinated with this app. The first being that it has a great search function, so if you’ve taken a picture of a book and you can only remember the author’s name, simply type that in and Google Photos should bring up the photo that you’re looking for. The second is that you can use something called Google Lens within your photos. So like Rob D, he took a picture of some flowers and by using Google Lens, it told him exactly what type of flowers they were! You’ll basically hear how exciting The Robs find this one. 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 helping one caller up his location knowledge and explaining why buying with a mortgage is the better option. First up this week is Chris from London. He’s been talking to another investor about a property in Bootle, Liverpool. However this investor has informed Chris that the street isn’t exactly the best or the most desirable in the area and that he should look elsewhere. So now Chris is wondering if house prices can really differ that much street by street and with being based down south, how can he gain local property knowledge in different locations? Naturally this question was made for Rob B so what does he recommend Chris do to improve his location knowledge? Next up we’ve got Marlon who’s looking to find out what the benefits are of buying with a mortgage as opposed to purchasing in cash if you’re able to? His reason for asking is that he’s got 60% of the property purchase price and the oher 40% will be loaned to him by a family member, which he will go on to pay back like a mortgage, but without any interest and at a more flexible rate. If you’ve been thinking about purchasing in cash, you’ll probably want to listen to this episode first, along with this podcast episode and take this course. Enjoy! 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.

A couple of weeks ago The Robs interviewed serviced accommodation specialist Chris Ryder to find out how the coronavirus had affected his business. Well now they’re back this week with another guest, Natalie Gascoyne who’s going to talk us through how she handled renovating two major projects through lockdown. Natalie is the owner of Davis Properties and she’s no stranger to tackling plain BTL’s and HMO’s. At the moment she’s currently working two commercial-to-residential conversions and we’re keen to find out how those have been affected by what’s currently going on. When COVID-19 first hit, Natalie was due to exchange on two properties, so rather than pulling out completely and losing thousands that she’d already invested, she decided to delay the process. Unfortunately, one project was delayed further with another party member pulling out, however, on the other property she managed to bag a £30,000 saving! How? You’ll have to tune in and listen to the rest of Natalie’s story... We don’t often talk about commercial-to-residential projects on the podcast as it’s never really been a strategy we’ve advised investors to do. But Natalie seems to have quite a good strategy in terms of the kind of properties she looks for and the areas that she sources them in. It’s certainly not the kind of project for the faint hearted and you’ve definitely got to be able to envision the end product to take something like this on. So who knows, after hearing about Natalie’s journey and strategy, maybe this could be something to consider for your next purchase. In the news this week, it seems like the rest of Great Britain weren’t too pleased when England received a stamp duty holiday. Now it seems that Scotland and Wales have jumped on the bandwagon and are also offering a stamp duty holiday up to £250,000. However they are slightly different… In Scotland investors still have to pay the surcharge which is 4% and in Wales you have to pay the surcharge and property investors are exempt from the stamp duty holiday. So some good news across the country, even if investors won’t 100% benefit from it. This week’s Hub Extra it’s a book that Rob D is already calling his book of the year! So you know it’s got to be good. It’s called ‘A Bit of a Stretch: The Diaries of a Prisoner’ by Chris Atkins. He’s more commonly known as a documentary filmmaker who got caught up in a tax avoidance scheme to do with the film industry and ended up getting sentenced to five years in prison! The book is based on the diaries he wrote whilst in prison and it gives you a really good insight as to what prison life is really like and hopefully it will be the only experience you’ll ever have. 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 discussing what one caller should do with the property she hates, and what the new electrical regulations mean. Our first caller this week is Nancy. She’s a GP who's taken a step into the world of property investment. Nancy owns a property that’s located about 15 minutes away from Liverpool Football Club. It’s a property that’s performing well, however it’s a serviced accommodation property which she’s now come to realise she hates. Between the hours that Nancy puts in at the GP surgery as well as doing private consultations, she’s found that the amount of time the property requires and what she gets back from it, really isn’t worth it. So now she’s questioning if she should just sell the property or whether she should keep it and outsource a company to manage the property for her. The second caller this week is Jake who, along with a friend, manage a few properties in a portfolio that they own. They’ve been looking into the new EICR rules that came into play on the 1st July. From what they’ve found, it looks as if you had to have new EICRs done before this date, regardless of whether you’ve had them done previously or not, to make sure you’re compliant with the regulations. So, do you need to have brand new electrical certificates in place or do previous ones still uphold the regulations? 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.

Back by popular demand, Rob & Rob have returned with a market update podcast! Yes, we said goodbye to weekly updates BUT, we were inundated with requests to bring them back. So for now, we’ll be resurrecting them on a monthly basis so you can get your regular fix of the latest developments across the property sector. Today they’re talking about the hot topic of the month: stamp duty. They’re covering the latest changes and what they mean for the property market now and in the long-term. If you’re thinking ‘hang on - they’ve already covered this....’ - you’re right. They did recently cover it on this week’s episode of Ask Rob & Rob but today they’re delving deeper, and they’re also giving you their opinion on the latest market activity and of course, the rental market. Trust us, if you’ve missed the Friday market updates, this is an episode you don’t want to miss! In other news, it seems that not everyone is happy that the new stamp duty charges are applicable to everyone. The Shadow Housing Secretary says it’s a £1.3 billion bung for landlords. However they’ve not pointed out in the article that the 3% surcharge remains in place and where that tax increase came from in the first place. This week’s Hub Extra is something of our very own and it’s sticking with the stamp duty topic. Ideally when you’re now looking at property prices you want to know how much you’ll be saving. Well, we’ve put together an article that not only explains the stamp duty changes but there’s also a handy calculator in there too that you can use to work out just how much you’ll save on your next property purchase. 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 was a shocker, wasn’t it? It’s not often property investors are dealt nice little surprises from the UK government, so when Chancellor Rishi took to the stage last week and announced a stamp duty cut, we had a flurry of questions from Hubbers. The Chancellor announced that (for England and Northern Ireland), the stamp duty threshold would now increase to £500,000 until March next year. So if you were buying a home to live in, up to this value, you’d have zero stamp duty to pay. The big question was - would this cut apply to property investors? And the answer was a surprising ‘hell yes!’ Before you run out the door, the 3% surcharge for additional properties is still there, but still, we’ll take any small wins that we can, right? We’ve explained it all in detail right here - and there’s a handy calculator that you can drop straight into your downloads folder and see how much cash you’re likely to save. We’ve also had LOTS of questions from those who have exchanged on their properties but not yet completed. So what’s the deal with this? Do the new rules apply to you or not? Rob B gives us the run-down on this in today’s Ask Rob & Rob episode. And if you’re sat there thinking… ‘These cuts are great, but what will this do to the property market in the short (and long) term…’ We’ve also got you covered on this episode. And if that wasn’t enough, we’re bringing something back by popular demand. It’s coming this Thursday, so make sure you set your alarms for 6am! That’s a lot of excitement for a Tuesday. Happy listening! Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply). Or if you prefer, click here to leave a recording via your computer instead. The next question on Ask Rob & Rob could be yours. Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

The Robs have another special guest this week. This time it’s billionaire investor Stephen Schwarzman. Sadly, he’s too much of a big wig to actually be on the show so The Robs are going to be picking apart his book instead. You might never have heard of Stephen Schwarzman before, but after this podcast episode it’s certain to be a name you’ll remember. After reading his book, Rob & Rob found that there are seven lessons that we can all learn from him. Now, you might be thinking ‘how can I possibly relate to a billionaire investor when I’m just starting out?’ Well don’t worry, we promise that these seven lessons will be invaluable to you no matter what stage of your property journey you’re at. Here’s the seven lessons Stephen will be sharing with us: Failure is the best teacher in an organization The best executives are made, not born Identify problems and bring solutions How to raise money It's the same effort to work on a big thing as a small thing Group decision making Building a team of 10s There’s plenty to learn from today’s episode and it’s even a learning curve for Rob & Rob, so hopefully there will be a number of takeaways for you too. In the news this week we’ve got a big headline for you, ‘PM pledges biggest planning shake-up since WW2’. Like usual, it’s a headline that’s been blown out of proportion, however if you are a developer or you build properties then this could be good news for you. According to this article from Mortgage Strategy there are now going to be more things that you can do without having to acquire planning permission. Included in it are converting commercial premises to residential, demolishing an old home to replace it with a new one and if you want to extend or add floors there’s going to be a fast track method for that. So again not quite as drastic but certainly good news for some. Naturally this week’s Hub Extra is the book that we’ve just dedicated this podcast episode to, What it Takes by Stephen Schwarzman. If you have any interest in business or investing then this is a book that you’ll enjoy, and there’s plenty more lessons that you’ll learn from it. We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do. Make sure you’ve liked and subscribed to our YouTube channel where we upload new content every week! If that wasn’t enough, you can also join our friendly property community on the Property Hub forum. See omnystudio.com/listener for privacy information.

It’s Tuesday and Rob & Rob are back again to answer more of your questions. First up we have a question from Lauren. She’s a 23 year old graduate who is looking to get into property investment for the first time. At the moment Lauren is fully educating herself before she gets stuck in - good shout, Lauren! Her aim is to achieve capital growth as the market recovers from the coronavirus, with the aim of her and her brother affording deposits for their first personal houses in seven years time. Lauren currently has £126,000 and location-wise she’s looking at Birmingham for the capital growth prospects. So now she has two questions that she needs a bit of guidance on. Should she purchase two more expensive properties with around a £50,000 deposit each, or should she choose quantity over quality and go for cheaper properties? She’d also like to know if she should buy these properties in one place or spread them out across the country? So, is it better to have more properties in your portfolio or have less of them but of a higher, more expensive quality? Next we have Tom from Stanford who has a rather interesting question. He says that just south of him is Peterborough where there are some cheap properties, although they are situated in less than prime areas. He’s noticed that the local council are advertising to take on private properties for a fixed 3-5 year income. So Tom is now wondering if this is a viable option to gain a guaranteed income for at least three years and a long-term tenant? Do Rob & Rob think this would be a good strategy to sub-let to the council? 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, The Robs are joined by special guest, Chris Ryder, who is a serviced accommodation expert. Serviced accommodation has been an ever-developing strategy for a number of property investors over the years and it’s becoming increasingly popular. But a twist of events this year (we’re talking about you, coronavirus!) has seen investors struggle to get tenants through the door of their serviced accommodation. Some unlucky investors are looking at at least 3 months of no rental income up to now! So today we have serviced accommodation expert, Chris Ryder, dropping the truth bombs on what’s happening in the (slightly battered) sector at the minute. If you were to believe the media, you’d have seen many investors pivoting away from short term lets towards long-term during the pandemic, in a bid to avoid lengthy void periods. But interestingly, Chris hasn’t had to do that. It’s actually quite amazing how quickly he adapted his business model to make the best out of a bad situation. If you’re thinking of going down the serviced accommodation route, you’ll certainly want to listen to this episode first and note down all the tips Chris has to offer. For our news story this week we’re sharing the latest HomeTrack report. We know our listeners enjoy hearing the latest updates on where’s performing well and where isn’t. We know you’re also all dying to know if The Robs were right about their predictions at the start of the year. It’s interesting to look at the data from the last three months. According to the report, house price growth is up 2.4% compared to last year - which has climbed even higher over the last month. Incredible for what’s currently going on across the world. This week’s Hub Extra is something that Rob B has been using against his son to beat him at chess! It’s a website called chess.com and it’s a great tool for improving your logic and your chess skills. There’s lessons on there if you’re a complete beginner and want to learn how to play and there’s sections where you can work on your strategy. Then you can play a game against a random person that the system matches you to based on your ability and put it all to the test. 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 more great questions and also taking a look into the current investing habits of Warren Buffet. Our first caller this week is Matthew, he has £100,000 saved up in the bank and he’s wanting to get into property. He’s looking for a property to buy for around £250,000 (hopefully less), and he’d like to buy one that he can live in and let out. So he’s wondering if The Robs think now is a good time to buy a personal house, or should he hold off for a bit? Next up we’ve got Jay who’s got a question about the stock market. He’s been keeping an eye on it and has seen some slow incremental rises in the stock markets as a whole. So rather than questioning if he should be investing in property, Jay wants to know if Rob & Rob think he should invest in the stock market or is there potential for them to drop again in the next few weeks? The Robs love discussing the stock market, even more so at the minute when many other people are interested in it. But do they think Jay should be investing now or should he hold off? 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 second episode in our two-part series on the important topic of inflation and deflation. Last week in the first episode Rob & Rob looked at how inflation and deflation impacts you as an investor. So this week they’re going to look at those impacts and see what it means for the future. It’s another episode where Rob & Rob are being bold, so hold onto your hats for this one. And it turns out, at the time of recording these episodes, The Robs were also predicting the future. They talk about quantitative easing and said they wouldn’t be surprised if the Bank of England would pump more money into the economy. And low and behold, a recent news story appears ‘Coronavirus: Bank pumps £100bn into UK economy to aid recovery’. Even before this announcement, the amount of money that has already been pumped into the economy this year alone is more than the financial crash back in 2008! Which means the information from this episode has just become even more important than ever! Last week The Robs demonstrated why inflation is good for investors and how deflation could be damaging. So there’s one question we now need to ask: Are we currently heading towards a period of inflation or deflation? Tune into this jam packed episode to find out. This week we’ve got a couple of news stories for you, the first coming from The Times and the headline reads ‘tougher times for buy-to-let landlords’. The article is stating that Barclays have said they’re going to stop giving mortgages to landlords who buy through limited companies, which seems crazy since all other big lenders seem to be getting back on track with mortgages. But that wasn’t the most shocking news to Rob B - he didn’t even realise that Barclays did buy-to-let mortgages, but that’s probably down to the fact that they only offer 65% LTV on an interest only basis. So this probably won’t have too big of an impact on investors. The second news story is ‘court of appeal sides with landlords in landmark case ruling’ and it’s in line with Section 21, when you want to end a tenancy without your tenants having done anything wrong. In previous times, to evict a tenant you had to provide them with a gas safety certificate before they moved in. If you didn’t you could never use Section 21. Now, things have changed - find out why by listening to today’s episode. For Hub Extra this week we’ve got a few resources that Rob & Rob used to help them put together these episodes, and they’re likely to help you in your understanding of everything that’s been covered over the past two weeks. So, we have: A lengthy article that isn’t as daunting as it looks A podcast on inflation and deflation Another podcast A YouTube video from the Bank of England on quantitative easing Hopefully these will help you in your continued learning. 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.

Happy Tuesday! We’re back with another Ask Rob & Rob. First up this week is Jonathan who recently got married (congratulations!). His wife had purchased a property a few years ago but unfortunately it’s now worth 10% less than what she bought it for. But she does have 50% equity tied up in it. So here’s the big question: Should they sell the property at a 10% loss and purchase their ideal property, or do they release some of the equity and then rent it out? Which is going to be the more profitable option for Jonathan and his wife? Our second caller is Serena. She has £100,000 to invest and knows that a vanilla buy-to-let is probably the best strategy for her. She doesn’t want to commit a lot of time and her goal is to have a decent income stream so she’s got pretty much everything sorted. But what she isn’t sure on is the location and the type of property she should be investing in. At the minute Serena is wondering if she should buy one, or a couple of new build flats in either Leeds or Manchester city centre - if she can stretch that far. But she’s concerned the service charge is going to be astronomical on these kinds of properties. So, should Jonathan sell or keep his property and does Serena need to be worried about service charge? Tune in to find out what advice The Robs have for them. 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, it’s the first of a two part special on the important topics of inflation and deflation. These are two things that every property investor should know and understand. Why? Because they’ll both impact you massively. Most people don’t understand the basics - and that’s what Rob & Rob are fixing right now with today’s episode. Are we heading into a period of inflation or deflation? That’s a question that you should be asking yourself at the minute. First, you need to go back to basics and understand exactly what inflation and deflation are. So in this week’s episode you can expect to learn: What is inflation? Why investors like it Why do we need inflation? How inflation works What causes deflation? The difference between good and bad deflation If you’d like to learn more about inflation, you can go back and listen to this podcast episode and you can take this course over on the Property Hub University. Be sure to tune in next week as The Robs are going to be taking a look at the last 10 years since the financial crash, what’s happened since then, what’s likely to happen in the future, and what that'll mean for you. You’re not going to want to miss it. In the news this week, we’ve got some interesting data from Hometrack. Their usual report focuses on the main 20 cities across the country, but once or twice a year they take a look at all 65 cities they gather data on. It’s a PDF document so while it’s difficult to share, Rob & Rob delve into the findings on today’s episode. One interesting finding was that areas in the south (that had previously performed strongly) are starting to struggle; like Milton Keynes, Southampton, Luton and Reading. Rob D is putting it down to a reverse ripple effect from London. The biggest surprise was the town that’s seen the biggest growth in the last 12 months which was Rochdale, growing by 4.8% - phenomenal! Other areas performing well are Birkenhead, just outside of Liverpool, Bolton and Mansfield. Some areas you might not have considered before. 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.

Happy Tuesday! We’re back with another Ask Rob & Rob. First up we’ve got Jess who’s got a question about inheritance tax. Her parents have around £200,000 tied up in their home with no mortgage, and she’s been trying to figure out a way to make sure funds/assets are protected should the inevitable happen. They want to avoid the pitfalls of the dreaded inheritance tax! Is property the right way to go? Are there any resources Jess should be aware of? Of course, Rob & Rob aren’t accountants or tax advisers however, Rob D had some insights to share which Jess should find comforting. Only 4% of people who died last year paid inheritance tax - so should Jess be worrying? And what can Jess’ parents do now to minimise any issues Jess might face further down the line? Listen to find out. Our second question is from Stuart who wants to talk about The Robs’ business relationship. He wants to know how Rob & Rob met and how they decided to go into partnership all those years ago. Tune in to find out how another podcast (we know!) brought them both together and how their ‘founders quiz’ cemented their partnership. Rob D also has some tips on getting to know your partner slowly rather than marrying them at first sight! Have a listen and let us know what you thought of today’s Ask Rob & Rob. 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.