The Property Podcast

It's time for another couple of questions in this week's edition of 'Ask Rob & Rob'. This week's questions come from two listeners who... ...ask Rob & Rob... Can I make a quick profit by flipping at auction? PLUS: Will I get a good deal from a developer by buying in bulk? The Robs give their take on these topics. What do you think? Head over to the forum to discuss. ASK YOUR OWN QUESTION TO ROB & ROB! Don't be shy! All you need to do is leave a message with your name and whatever's on your mind. Just pick up the phone and call 013 808 00035 (normal UK call rates apply). Or if you prefer, click here to leave a recording via your computer instead. NEED MORE ANSWERS? The Property Hub Summit is the place to get all your questions personally answered by Rob & Rob, and build a network of other smart, motivated investors. Over the course of a full day at a swanky hotel we'll help you set your goals, form a plan to get you there, overcome your obstacles, and give you the support system you need to make sure nothing gets in your way. Just don't hang around - there are only four Summits each year, and just 16 places available at each! Interested? Click here to find out more. See omnystudio.com/listener for privacy information.

In this episode we're looking at something pretty different for us - how to exit property! A lot of our listeners are at the start of their property journey but it's easy to not consider how you will wrap up your portfolio when that time comes around. If you're considering this, then here are some of your options... Never Let Go First up is Rob B's current plan - never exit. If you have no mortgages, can just hold forever for income then pass them on.If you do have mortgages, you can get mortgages until much later in life than people think. Or if the properties are in a company, as long as there’s another director they can keep the mortgages going.Advantage: Keeps the income stream going and gives you something to pass onDisadvantage: Maybe you don’t want to be worrying about interest rates if you have mortgages, or don’t want the hassle of holding property at all Sell some You could instead sell enough properties to pay off the mortgage balances on the rest, then revert to the first option of holding on. If you’ve had a long period of growth you might only need to sell one property to pay off everything else.Advantage: You’re debt-free and keep an incomeDisadvantage: CGT Sell the lot Liquidate everything and use the proceeds to invest in other asset classesAdvantage: You get more diversification - can take the money and allocate it across a global portfolio. No hassle from property.Disadvantage: CGT, nothing to pass on. A mix of the above Sell one to pay down debts on the rest, sell a couple more to give you a lump of income to diversify across other asset classes, keep the rest for income with low mortgages. You might even want to buy different types of property at this point, e.g. if you’ve been focusing on capital growth but now what matters most is a strong income. Could you be a refurb case study in The Property Hub Magazine? If you've got a refurb story then we want to know. It's easy to let us know you're interested in the possibility of being featured in the magazine, just send us an email to [email protected] and Vicky will get back to you. Barclays unveils 10-year fix buy-to-let mortgage at 2.99% This is a heck of a rate if you do want that security. It wont be for everyone, but it will definitely be of interest to some. A note of caution though: There are some hefty penalties if you think you may want to move away from that mortgage or sell before the end of that term. Check out more on this here. Resource of the week This week's resource of the week will allow you to speed up, slow down, advance and rewind any HTML5 video with quick shortcuts. Download this Chrome extension here. If you enjoyed The Property Podcast, please leave a review on iTunes Reviews are really important in helping other people to find the show, so by way of thanks we read out every single review we receive on air. If you’d like to hear your name on the show, leave us a review on iTunes here. Not sure how to leave a review? This video shows you how to review and subscribe on iTunes. See omnystudio.com/listener for privacy information.

It's time for another couple of questions in this week's edition of 'Ask Rob & Rob'. This week's questions come from Craig & Joe who... ...ask Rob & Rob... two questions about stamp duty. The Robs give their take on these topics. What do you think? Head over to the forum to discuss. ASK YOUR OWN QUESTION TO ROB & ROB! Don't be shy! All you need to do is leave a message with your name and whatever's on your mind. Just pick up the phone and call 013 808 00035 (normal UK call rates apply). Or if you prefer, click here to leave a recording via your computer instead. NEED MORE ANSWERS? The Property Hub Summit is the place to get all your questions personally answered by Rob & Rob, and build a network of other smart, motivated investors. Over the course of a full day at a swanky hotel we'll help you set your goals, form a plan to get you there, overcome your obstacles, and give you the support system you need to make sure nothing gets in your way. Just don't hang around - there are only four Summits each year, and just 16 places available at each! Interested? Click here to find out more. See omnystudio.com/listener for privacy information.

In this episode we're going to speak to our very own Rob D in the capacity of 'guest expert' and we're going to look in depth at bridging finance... Rob D has been focusing a lot of his investment around bridging loans rather than purchases recently, and he tells us why this has worked for him. He even started his own bridging finance company LendSwift to formalise his involvement in this sector. In this episode Rob & Rob explain the basics of how bridging works, when it is a good idea, and when it's to be avoided. The Robs also discuss when you can use bridging to buy properties that you can't ordinarily raise a mortgage for, and crucially give you their golden rules of bridging. Go to lendswift.co.uk/borrow to check out the calculators to see how much you can borrow and what it would cost. Don’t use us without shopping around, but use the tool to increase your knowledge. Yellow Lettings are looking for a London Rep We're responding to the demand to expand Yellow in to the London area and we're looking for an amazing candidate to join us, working 25 hours a week as a rep dealing with our landlords and their tenants on a regular basis. Does this sound just what you're looking for? You can find all the details right here. It's Meetup night tonight! Have you got your free ticket for your local Meetup? Rob D will be in Stratford (East London) and Rob B will be in Richmond, so if you're heading to either of these locations be sure to say hi. The north/south house price divide to narrow We promise not to keep making a habit of saying 'we told you so' but the final figures are in for 2016 and Manchester grew by almost 9% last year, with London coming in at 7.3% growth. You can read all about it here. Resource of the week This week's resource is courtesy of Rob B and it's a book - Zero to One. A fascinating read from one of the Paypal founders, billionaire Peter Thiel. We're social, come and join us. We're making big efforts to become more social this year, and we'd love you to join in the fun. Follow us on Facebook Check us out on Instagram Join the conversation Have you used or considered using Bridging Finance? Discuss your experiences over on the forum. If you enjoyed The Property Podcast, please leave a review on iTunes Reviews are really important in helping other people to find the show, so by way of thanks we read out every single review we receive on air. If you’d like to hear your name on the show, leave us a review on iTunes here. Not sure how to leave a review? This video shows you how to review and subscribe on iTunes. See omnystudio.com/listener for privacy information.

It's time for another couple of questions in this week's edition of 'Ask Rob & Rob'. This week's questions come from Ryan & Danny who... ...ask Rob & Rob... How best to deal with mortgage valuers? ...Should I buy on the Crossrail route? The Robs give their take on these topics. What do you think? Head over to the forum to discuss. ASK YOUR OWN QUESTION TO ROB & ROB! Don't be shy! All you need to do is leave a message with your name and whatever's on your mind. Just pick up the phone and call 013 808 00035 (normal UK call rates apply). Or if you prefer, click here to leave a recording via your computer instead. NEED MORE ANSWERS? The Property Hub Summit is the place to get all your questions personally answered by Rob & Rob, and build a network of other smart, motivated investors. Over the course of a full day at a swanky hotel we'll help you set your goals, form a plan to get you there, overcome your obstacles, and give you the support system you need to make sure nothing gets in your way. Just don't hang around - there are only four Summits each year, and just 16 places available at each! Interested? Click here to find out more. See omnystudio.com/listener for privacy information.

In this week's episode we're going to look at how to invest in 2017, which is a great follow up to last week's 'where to invest in 2017' podcast. Rob B the radio star & a news of a new RMP office We're also bowing down to a new radio star in our midst - Rob B has been appearing on local radio in Liverpool. He's also been 'up north' looking in and around Warrington for the second RMP office - exciting stuff! Rob D - getting things done Rob D has had a great week too though and has been making some serious headway into writing his new book which is going to be all about lettings and management. A HUGE thank you to everyone who took up the challenge and sent over their tips, the book will be all the stronger for your input! The Property Hub Magazine - landing now There's a cat on the front cover, what's not to like? Subscribers will be receiving their copies very soon, and we can promise you it's a great one. The Property Hub Meetups - next week It's nearly time for The Meetups again and Rob B will be heading to join Roxane and the Richmond Hubbers, while Rob D will be in Stratford, East London. Find your nearest Meetup here and head along. What's on the agenda for 2017? Negative Media The media just love a good dose of doom and gloom, particularly if it is property investment based. It hasn’t happened yet, but we are giving you some advanced notice. It will happen this year and if you’re not careful could suck you in. When the media gets negative we get excited, this is when the best opportunities arise. Tax Changes We have covered this in some depth in the following episodes - http://thepropertyhub.net/tpp165-tenants-and-taxes/ http://www.propertygeek.net/budget-2015-mortgage-interest-relief-changes-explained/ thepropertyhub.net/Budget2015 thepropertyhub.net/Budget2015part2 http://thepropertyhub.net/should-you-use-a-limited-company-to-invest-in-property/ The upshot is bad news for landlords who have been in the game for a long time, not so bad for new investors because they can plan. Lettings Fee Ban The government has just confirmed consultation will begin in a few months time, with the outcome to be announced later this year. You might not notice changes immediately after implementation, but we expect see a trend of letting agents increasing their fees to landlords. PRA - Prudential Regulation Authority Sounds complex, but basically all this is means is mortgage companies increasing their stress test levels. Will impact investors in the southeast, investors in the north won't notice the changes. Article 50 Uncertainty and fear are most likely to be on the menu (again). This will spook some amateur investors, but actually the effect of brexit hard or soft will be felt years down the line. What should you do and how should you prosper? Avoid London Remember your goal, don’t get lost in the noise Ignore the media and most of your friends Take advantage of any uncertainty Get your tax affairs in order Get practising your smug face for a few years time Resource of the week Photo Splash is this weeks ROTW and is a great fun free app which is perfect for creating some fun images. We're social - We're making big efforts to become more social this year, and we'd love you to join in the fun. Follow us on Facebook Check us out on Instagram Join the conversation What does 2017 hold for you and how are you planning for the year? Head to the forum to discuss all the topics discussed in today's episode. If you enjoyed The Property Podcast, please leave a review on iTunes Reviews are really important in helping other people to find the show, so by way of thanks we read out every single review we receive on air. If you’d like to hear your name on the show, leave us a review on iTunes here. Not sure how to leave a review? This video shows you how to review and subscribe on iTunes. See omnystudio.com/listener for privacy information.

It's time for another couple of questions in this week's edition of 'Ask Rob & Rob'. This week Tom & Tony ...ask Rob & Rob... How do you accurately calculate your return on investment? ...and Can I turn my flat into serviced accommodation? The Robs give their take on these topics. What do you think? Head over to the forum to discuss. ASK YOUR OWN QUESTION TO ROB & ROB! Don't be shy! All you need to do is leave a message with your name and whatever's on your mind. Just pick up the phone and call 013 808 00035 (normal UK call rates apply). Or if you prefer, click here to leave a recording via your computer instead. NEED MORE ANSWERS? The Property Hub Summit is the place to get all your questions personally answered by Rob & Rob, and build a network of other smart, motivated investors. Over the course of a full day at a swanky hotel we'll help you set your goals, form a plan to get you there, overcome your obstacles, and give you the support system you need to make sure nothing gets in your way. Just don't hang around - there are only four Summits each year, and just 16 places available at each! Interested? Click here to find out more. See omnystudio.com/listener for privacy information.

It's the 201st episode of The Property Podcast and this week we're focussing on where to invest in the UK this year. Some of them you may be expecting from us, but there's a couple of wildcards thrown in for good measure. Listen to find out more. Property Geek A quick plug for Rod D's Property Geek Podcast - the latest episode talks about new mortgage rules which haven’t had much coverage elsewhere. Take a listen to get up to date. Rents are hitting an 'affordability ceiling' Rob D chose this news story because it proved him right (again). The idea is that rents are getting so high in some areas that if they go up any further, tenants wont afford them, which will only produce more void periods in the end. Rents can't just rise forever as salaries are not rising at the same rate. This is obviously more of an issue in places such as London where tenants are reportedly paying up to 75% of their disposable income on rent. Check out the article here. Resource of the week Tinder for business (apparently). Shapr.co will give you the ability to swipe left or right and make interesting business contacts. Check it out. Join the conversation What do you think to our predictions? Do you want to make any of your own? Head to the forum to have your say. If you enjoyed The Property Podcast, please leave a review on iTunes Reviews are really important in helping other people to find the show, so by way of thanks we read out every single review we receive on air. If you’d like to hear your name on the show, leave us a review on iTunes here. Not sure how to leave a review? This video shows you how to review and subscribe on iTunes. See omnystudio.com/listener for privacy information.

It's time for another couple of questions in this week's edition of 'Ask Rob & Rob'. This week Tom & Reece ...Ask Rob & Rob – What's the minimum acceptable lease length? ...and are guaranteed yields too good to be true? The Robs give their take on these topics. What do you think? Head over to the forum to discuss. ASK YOUR OWN QUESTION TO ROB & ROB! Don't be shy! All you need to do is leave a message with your name and whatever's on your mind. Just pick up the phone and call 013 808 00035 (normal UK call rates apply). Or if you prefer, click here to leave a recording via your computer instead. NEED MORE ANSWERS? The Property Hub Summit is the place to get all your questions personally answered by Rob & Rob, and build a network of other smart, motivated investors. Over the course of a full day at a swanky hotel we'll help you set your goals, form a plan to get you there, overcome your obstacles, and give you the support system you need to make sure nothing gets in your way. Just don't hang around - there are only four Summits each year, and just 16 places available at each! Interested? Click here to find out more. See omnystudio.com/listener for privacy information.

It's a milestone episode as we reach our 200th edition of The Property Podcast! We've included our blast from the past intro style from the very first episode (sorry for those of you that can't stand this one!) We would have put some more clips in from episode one, but we were cringing too much to listen to it all! Topic of the week 200 episodes wow! Many of you have been kind enough to let us know how much the podcast has helped you over the last 200 episodes, but you’re not the only one’s to benefit we’ve learnt loads too! Lessons You learn from teaching Property investors are normal people - Yes mainstream media it’s true Most people are willing to help, look at the TPH. So don’t pay for expensive courses Givers get Accountability is everything - look at the record of our individual podcasts! Start before you feel ready. You’ll always be embarrassed by your earliest work If you’re enthusiastic about something, do it even if you don’t know where it’s going to lead Personal Highlights/Favourite Episodes Episode 52 Noah Kagan Episode 69 The 18 Year Property Cycle Episode 163 Live from the Property Investor Show Episode 24 Inflation New garden towns and villages to provide 200,000 homes to ease housing shortage You can read the story on this one right here, but will this really ease the housing shortage? We're sceptical of this one. Want more Rob D in your life? Due to popular demand Rob D is bringing you more Property Geek. Get over there and subscribe to hear him talk in-depth to some industry experts. Resource of the week We've got Bjorn (again) to thank for this week's Resource of the Week: Thetopinbox.com Schedule emails to be sent later. Set reminders in your inbox. Track opens. Followup with email sequences. What's not to love, right? Take a look here. See omnystudio.com/listener for privacy information.

It's time for another couple of questions in this week's edition of 'Ask Rob & Rob'. This week John from Manchester... ...Asks Rob & Rob – Should I buy a property with tenants? ...and another listener asks about how to get creditworthy for investments. The Robs give their take on these topics. What do you think? Head over to the forum to discuss. ASK YOUR OWN QUESTION TO ROB & ROB! Don't be shy! All you need to do is leave a message with your name and whatever's on your mind. Just pick up the phone and call 013 808 00035 (normal UK call rates apply). Or if you prefer, click here to leave a recording via your computer instead. NEED MORE ANSWERS? The Property Hub Summit is the place to get all your questions personally answered by Rob & Rob, and build a network of other smart, motivated investors. Over the course of a full day at a swanky hotel we'll help you set your goals, form a plan to get you there, overcome your obstacles, and give you the support system you need to make sure nothing gets in your way. Just don't hang around - there are only four Summits each year, and just 16 places available at each! Interested? Click here to find out more. See omnystudio.com/listener for privacy information.

Always a popular episode! We take a look at the predictions we made this time last year, and make a new batch for 2017! Our predictions for 2017 Rob B: Manchester to grab headlines and see strong growth maybe double digit Liverpool and Leeds is Manchester last year No more negative tax plays from the government Major players to come into LTD company mortgage market Rob D: Prices to grow no more than 2% nationally, flat in London Media negativity Base rate to go no higher than 0.5%, inflation low Mortgage availability to keep improving for Ltd Cos and rates to improve How did we do last year? If you want to check out last years episode, you can find that right here. See omnystudio.com/listener for privacy information.

It's time for the very first Ask Rob & Rob of 2017, with two questions from two more listeners... ...Ask Rob & Rob – questions about books and courses she can take a look at, regarding crowdfunding... The Robs give their take on these frequently asked questions! ASK YOUR OWN QUESTION TO ROB & ROB! Don't be shy! All you need to do is leave a message with your name and whatever's on your mind. Just pick up the phone and call 013 808 00035 (normal UK call rates apply). Or if you prefer, click here to leave a recording via your computer instead. NEED MORE ANSWERS? The Property Hub Summit is the place to get all your questions personally answered by Rob & Rob, and build a network of other smart, motivated investors. Over the course of a full day at a swanky hotel we'll help you set your goals, form a plan to get you there, overcome your obstacles, and give you the support system you need to make sure nothing gets in your way. Just don't hang around - there are only four Summits each year, and just 16 places available at each! Interested? Click here to find out more. See omnystudio.com/listener for privacy information.

If you're listening to this during that in-betweeny time between Christmas and New Year then well done you - that is hardcore podcast listening! News This would usually be news this week but is in fact more news of the whole year. We'll start with what's happened with us. We launched a gorgeous new website for The Property Hub, full of courses, info, and a fab forum. If you don't use it to do more than listen to the podcast then please go check it out. Our Magazine subscribers doubled this year and it's fair to say we're delighted with the publication we put out. Our team work incredibly hard on this and it must be pretty good to be doubling it's subscribers this year. If you're still not a subscriber then you can sign up right here so you don't miss a single copy in 2017. We have a new features editor, some new big-hitting writers starting in the new year, and we're so excited with what is to come. The Meetups have grown from a handful in 2015 to over 35 regular monthly events, and this has been entirely down to Abbey, Vicky and The Meetup Leaders who have helped to grow this project. If you're yet to come along to your local Meetup then please do come along and say hi, we'll be popping up at as many Meetups as possible to say hello in 2016. We also held a Northern Summit and whilst our plans are not quite nailed down just yet - we are sure we'll do something in the North in 2017. Meanwhile there may be a couple of tickets available for the London Summit in February, but be quick because these could sell out any time now - check here to see if there are still tickets available. News this week This is the year that will be remembered for bringing us Brexit and Trump - and the truth is that any personal opinions aside, we're not scared of either. This is definitely not a time to be fearful if you know your stuff. We'll have a new course out in the next few weeks which is all about how the market may progress, so look out for that as it will definitely cover any potential impact of these big events. Bigger news (in property at least) were the stamp duty changes for people with second homes and beyond - so basically all BTL investors. This one was particularly hard on investors in the South East. Definitely a big event for the property investment market. What next for The Robs? Rob D has committed to writing a new book (feel free to chase him up on that), we're going to up our game massively in social media (which wouldn't be hard to be fair!). Our social media channels will be bringing you really interesting content in 2017, so please watch this space and follow us on Facebook and Twitter. We have another big announcement or two which we hope you will love but we can't say any more about these for now. You'll just have to keep listening throughout the new year to find out more. Resource of the week There can only be one resource of the week this week. It's not new, but it is vital. It's the best time of year for setting goals and there is no better way than with our Goal Setting Course. Check it out here. Join the conversation What did 2016 bring for you? What are your plans for the new year? Continue the conversation over at The Property Hub Forum. If you enjoyed The Property Podcast, please leave a review on iTunes Reviews are really important in helping other people to find the show, so by way of thanks we read out every single review we receive on air. If you’d like to hear your name on the show, leave us a review on iTunes here. Not sure how to leave a review? This video shows you how to review and subscribe on iTunes. See omnystudio.com/listener for privacy information.

Nobody can deny that 2016 has been a weird year for the world, but it's been a good year for us in general. This week's episode is a run down of the things we have loved in the past twelve months. News this week Shock - as BTL is over (apparently). This news story has some pretty depressing statistics attached to it, and if you read just the first paragraph it's not great news! But (as you probably suspected) there's a bit more to this! The statistics used are not exactly thorough, with data coming from only one firm of estate agents. An excellent reminder of why we should always read beyond the headlines. Resource of the week This episode is really one long resource of the week list, so if that's your favourite part of The Property Podcast, then keep listening. Books Death by Meeting - Patrick Lencioni Titan Titan: The Life of John D. Rockefeller, Sr. - Hatching Twitter by Nick Bilton The Slight Edge - Jeff Olson Speculator - Doug Casey Open - Andre Agassi Podcasts How I built this Conversations with Tyler London Fintech Podcast The Spectator podcast Apps Virgin Train App Pocket Instagram Kindle App - Word Runner Should I Answer? Franz Other Stuff Jet Skiing Billions & Narco’s - TV On Netflix – Tony Robbins “I am not your guru”, Supermensch - The legend of Shep Gordon No coffee! Meditation - 100 days Join the conversation What would make your 'Best of 2016' list? Have you checked out any of the suggestions The Robs mentioned? Carry on the conversation over at The Property Hub Forum. If you enjoyed The Property Podcast, please leave a review on iTunes Reviews are really important in helping other people to find the show, so by way of thanks we read out every single review we receive on air. If you’d like to hear your name on the show, leave us a review on iTunes here. Not sure how to leave a review? This video shows you how to review and subscribe on iTunes. See omnystudio.com/listener for privacy information.

It's time for the last Ask Rob & Rob of the year (we'll be far too busy with mince pies for one week only), and this week Charlotte... ...Asks Rob & Rob – questions about books and courses she can take a look at, regarding HMOs. ...and Sam asks why on earth don't we discuss Scotland on the podcast! The Robs give their take on these topics, for your listening pleasure. ASK YOUR OWN QUESTION TO ROB & ROB! Don't be shy! All you need to do is leave a message with your name and whatever's on your mind. Just pick up the phone and call 013 808 00035 (normal UK call rates apply). Or if you prefer, click here to leave a recording via your computer instead. NEED MORE ANSWERS? The Property Hub Summit is the place to get all your questions personally answered by Rob & Rob, and build a network of other smart, motivated investors. Over the course of a full day at a swanky hotel we'll help you set your goals, form a plan to get you there, overcome your obstacles, and give you the support system you need to make sure nothing gets in your way. Just don't hang around - there are only four Summits each year, and just 16 places available at each! Interested? Click here to find out more. See omnystudio.com/listener for privacy information.

Due to the great response to the last 'listeners' deals' podcast, we're happy to say we're bringing you more of these this week, which is brilliant news for us because we love this format! This week we check out deals from Tom, Hannah, and Jamie, and these three deals vary greatly! Resource of the week It's another Trello based resource of the week, but bear with us because Trello aficionados will love this one. Butler for Trello will help automate a ton of the things you do manually - and you can set this up using plain English commands. Play about with it and see what it can do for you. Check it out here. News this week £5bn of Northern Powerhouse projects made available to Chinese investors - well this is one we will add to the 'told you so' file! We’ve been talking about overseas investors looking outside London and this backs it up. We doubt this will be the last good news story for The Northern Powerhouse, but check this one out here. Join the conversation Which of these deals would be the one to pique your interest? Head over to the forum to discuss this more. If you enjoyed The Property Podcast, please leave a review on iTunes Reviews are really important in helping other people to find the show, so by way of thanks we read out every single review we receive on air. If you’d like to hear your name on the show, leave us a review on iTunes here. Not sure how to leave a review? This video shows you how to review and subscribe on iTunes. See omnystudio.com/listener for privacy information.

This week on Ask Rob & Rob, Danny and another listener... ...Asks Rob & Rob – two questions about the London Property Market The Robs give their take on buying in The Capital and weigh up the potential for investors in the area. ASK YOUR OWN QUESTION TO ROB & ROB! Don't be shy! All you need to do is leave a message with your name and whatever's on your mind. Just pick up the phone and call 013 808 00035 (normal UK call rates apply). Or if you prefer, click here to leave a recording via your computer instead. NEED MORE ANSWERS? The Property Hub Summit is the place to get all your questions personally answered by Rob & Rob, and build a network of other smart, motivated investors. Over the course of a full day at a swanky hotel we'll help you set your goals, form a plan to get you there, overcome your obstacles, and give you the support system you need to make sure nothing gets in your way. Just don't hang around - there are only four Summits each year, and just 16 places available at each! Interested? Click here to find out more. See omnystudio.com/listener for privacy information.

This week's podcast is always a popular subject - what's gone wrong for The Robs in the world of property! Rob & Rob tell you all about their more challenging moments in 2016, and what lesson's we're learned throughout along the way. Resource of the week This week's resource comes from a guy Rob D met at our recent Discovery Day. If you're looking for a new way to listen to podcasts via your iPhone then try Overcast.FM. This is a powerful yet simple podcast player that allows you to pick up extra speed without distortion, which dynamically shortens silences in talk shows. News this week This week's news story from The Guardian is music to The Robs ears and we've filed it straight under the category of 'told you so'. “Richard Donnell, insight director at Hometrack, said he expected Oxford and Cambridge to see falls in growth similar to that in London. “The impetus for house price growth is shifting from the affordability-constrained cities in southern England to cities in the midlands and the north of England,” he sad. “Regional cities have more attractive affordability levels and house prices have significant potential upside for growth in the near term subject to the outlook for the economy.” Take a look at the story in full here. Join the conversation If you'd like to join share your own story about lessons learned in 2016, then head on over to The Property Hub Forum and join the discussion. If you enjoyed The Property Podcast, please leave a review on iTunes Reviews are really important in helping other people to find the show, so by way of thanks we read out every single review we receive on air. If you’d like to hear your name on the show, leave us a review on iTunes here. Not sure how to leave a review? This video shows you how to review and subscribe on iTunes. See omnystudio.com/listener for privacy information.

This week on Ask Rob & Rob, A Listener... Asks Rob & Rob – Can you double your money with Airbnb? PLUS: Has the 18 Year Cycle gone mad? ASK YOUR OWN QUESTION TO ROB & ROB! Don't be shy! All you need to do is leave a message with your name and whatever's on your mind. Just pick up the phone and call 013 808 00035 (normal UK call rates apply). Or if you prefer, click here to leave a recording via your computer instead. NEED MORE ANSWERS? The Property Hub Summit is the place to get all your questions personally answered by Rob & Rob, and build a network of other smart, motivated investors. Over the course of a full day at a swanky hotel we'll help you set your goals, form a plan to get you there, overcome your obstacles, and give you the support system you need to make sure nothing gets in your way. Just don't hang around - there are only four Summits each year, and just 16 places available at each! Interested? Click here to find out more. See omnystudio.com/listener for privacy information.

This week's podcast is one we've never done before. We're going to analyse your latest deals, and thank you to all of you who have submitted details to us. If this is popular then we'll do it again in a few weeks as we have lots to get through! If you'd like to submit a deal for us to look into in the future, then you can do so right here. Meetups are tonight! Before we get started, a quick reminder to head along to your nearest Property Hub Meetup this evening. It's your last chance this year to come along, so we hope you'll be there and bringing some Christmas cheer with you! Rob B is going to be heading to St Alban's and you'll find Rob D at our South Essex Meetup, so if you'd like to say hi then you know where to find them. Resource of the week A serious resource this week but a great one if you're concerned about safety when out and about viewing properties. The PanicGuard App has a host of safety features that can help you feel that bit more secure. You can choose a contact to get alerted if you activate the alarm. You can also have contacts track your journey, and set a timed alarm that only you can deactivate News this week Philip Hammond announced his Autumn Statement last week and the biggest headline appears to be that he’s scrapping the custom all together! There was some news for Landlords and Tenants though - what do you think the impact will be? Discuss this over on the forum. Join the conversation What did you think to the three deals discussed on the podcast today? Would you have been tempted by Bradford, opted for Bedford or would anyone have had a different take on the Bristol investment? For future reference, we'd love to see your potential investments for towns that don't begin with B too! We’d love to know, so join the discussion in The Property Hub! If you enjoyed The Property Podcast, please leave a review on iTunes Reviews are really important in helping other people to find the show, so by way of thanks we read out every single review we receive on air. If you’d like to hear your name on the show, leave us a review on iTunes here. Not sure how to leave a review? This video shows you how to review and subscribe on iTunes. See omnystudio.com/listener for privacy information.

This week on Ask Rob & Rob, Sylvia... Asks Rob & Rob – Buy now or wait out the wobble? PLUS: How do you use equity in your own home to buy more properties? ASK YOUR OWN QUESTION TO ROB & ROB! Don't be shy! All you need to do is leave a message with your name and whatever's on your mind. Just pick up the phone and call 013 808 00035 (normal UK call rates apply). Or if you prefer, click here to leave a recording via your computer instead. See omnystudio.com/listener for privacy information.

This week's podcast is all about the major developments in the planning that you need to be aware of. HS2 route 2 announced The second phase of this development has now been announced and there are some unexpected winners (Wigan and Crewe, we're looking at you) and some potential losers. Not just for train geeks (like our very own Rob B), this link demonstrates just how commutable these northern cities are - 55 mins from Crewe to London, anyone?! Heathrow Expansion - Not just big news for London The Airports Commission have estimated that Heathrow expansion will create up to 179,800 jobs and up to £211bn in economic region benefits across the UK by 2050. Crossrail 2 Overcrowding on the Tube is forecast to double by 2041, and National Rail services will face similar challenges! Crossrail 2 would increase central London’s rail capacity by more than 10 per cent. You can check out the submission to the National Infrastructure Commission right here. Northern Hub Rail improvements A £1 billion pound project to electrify railways in the northwest, slashing journey times and increasing capacity (not to be confused with HS3). This also includes station upgrades, new and improved lines. It will increase the number of passenger train services across the region by 40%. Journey times will fall between Liverpool, Manchester and Leeds. The Multiple Billion Pound Projects in Manchester Piccadilly Station - HS2 Hub. Read the details on this one here. Manchester Airport Said to be the biggest single construction project ever to take place in Greater Manchester, the 10-year scheme will more than double the size of Terminal Two and link it to an improved Terminal Three. Doubling the number of airport jobs to 40,000 within 30 years and adding 10m annual passengers in just a decade, the move bolsters Manchester’s battle for the government to recognise the true worth of regional airports and underlines Manchester Airport’s place at the heart of The Northern Powerhouse. Manchester Place (£3bn) 10,000 new homes being built over 150 acres Paradise Project in Birmingham HS2 and banks relocating aren’t the only thing getting the headlines in Birmingham. Paradise Project is considered one of the biggest city centre regen projects outside of London. £500m will be spent on shops, offices and improving the layout of the city centre. See omnystudio.com/listener for privacy information.

This week on Ask Rob & Rob, Ruth & a mystery person... Ask Rob & Rob – Can a sourcing company stop me from dithering? PLUS: What does it mean to invest through a SPV? ASK YOUR OWN QUESTION TO ROB & ROB! Don't be shy! All you need to do is leave a message with your name and whatever's on your mind. Just pick up the phone and call 013 808 00035 (normal UK call rates apply). Or if you prefer, click here to leave a recording via your computer instead. See omnystudio.com/listener for privacy information.

Bizarrely, the Robs are asked all the time if they invest in property themselves. The answer is yes they definitely do! This week's episode is all about finding out more about the recent deals they have been working on. Rob B talks about his new Bradford investment which is looking at producing some very impressive figures indeed, and about a new deal he is working on in a super-prime location in Manchester, which should be brilliant for capital growth. Rob D's recent investment news hasn't quite gone to plan, but you'll have to listen to the podcast to find out what happened there - needless to say, true to form, he managed to find a positive to take away from the situation. See omnystudio.com/listener for privacy information.

This week on Ask Rob & Rob, Bryan & Louise... Ask Rob & Rob – Where should an overseas investor spend £100k? PLUS: How will the market perform in the next 10 years? See omnystudio.com/listener for privacy information.

This week we're talking about how to run a successful letting agency. It's something many landlords with growing portfolios think about doing, and also a potential way to get into the property industry by starting your own business. We've built up an agency of our own (Yellow Lettings) over the last couple of years, and we talk about what we think are the key drivers of success – including: Getting qualified (the NFOPP property management qualification is the one we chose) Getting compliant (joining an ombudsman scheme, having the right insurance and protecting client money) Deciding on your USP or market niche Building the right systems (recommended book: The Checklist Manifesto) Hiring your dream team Knowing what to measure to track your success We've put together plenty of episodes on lettings and management, so if this is something you're interested in you should check out: How to prepare a property to let How to handle a nightmare tenant How to manage a property yourself How to let a property yourself How to get your property let fast Lettings law you need to know Lessons learnt from running a letting agent See omnystudio.com/listener for privacy information.

This week on Ask Rob & Rob, Mick & Dave... Ask Rob & Rob – How do I get my kids interested in property investment? PLUS: What kind of surveys should you get on a property? See omnystudio.com/listener for privacy information.

If you're a Property Podcast listener you're already a winner, but in this episode we discuss how to cultivate a winning mindset to push yourself to even greater levels of success. In property as with anything else, what separates the high-achievers from the rest generally isn't technical ability or knowledge – it's having the attitude to spot and capitalise on opportunities, and overcome the inevitable challenges. We get into: What we can learn from top athletes and business people How to turn yourself into a happy and positive person The importance of self-awareness Why we go to ridiculous lengths to avoid negative influences Tweaks you can make to your communication to influence your worldview The woo-woo bit: why we both have a gratitude practice Along the way we mention: Rob B's favourite meditation app Coach.me – the tool Rob D uses to track daily habits A Chrome plugin for blocking websites A classic mindset book, The Magic Of Thinking Big See omnystudio.com/listener for privacy information.

This week on Ask Rob & Rob, Nadia & Tony... Ask Rob & Rob – Buy gradually, or go all-in? PLUS: Should I only invest in nice places? Another two answers from The Robs this week, and another two informative answers! ASK YOUR OWN QUESTION TO ROB & ROB! Don't be shy! All you need to do is leave a message with your name and whatever's on your mind. Just pick up the phone and call 013 808 00035 (normal UK call rates apply). Or if you prefer, click here to leave a recording via your computer instead. See omnystudio.com/listener for privacy information.

This week our friend Pete Matthew is back, guiding us through alternative ways to get exposure to property – without owning it directly. We discuss different types of "collective investment" vehicles (such as REITs, OIECs and a whole bunch of other acronyms) as well as investments that track property rather than holding it, such as ETFs. During our chat we get to the bottom of: Why it's useful to look at alternatives to holding property directly All the different options, and how to tell them apart The pros and cons of these types of investment How to research the prospects of different opportunities If you enjoyed this episode, please check out more of Pete's fine work at Meaningful Money See omnystudio.com/listener for privacy information.

This week on Ask Rob & Rob, Simon... Asks Rob & Rob – Should I overpay my mortgage? PLUS: Joceline asks how should I approach estate agents? Another two answers from The Robs this week, and these would definitely feature in a property FAQ list. See omnystudio.com/listener for privacy information.

This week's episode is just a quick update, but wow are we excited: The Property Hub website has been completely re-built! In this short episode we explain: Why it was high time for an overhaul Improvements we've made to create better conversations in the forum The improved podcast listening and discovery process How we can guide you to the most relevant content for you if you're new Check out the new site here! Normal service will be resumed next week, when Pete Matthew returns for an in-depth exploration of different ways to get exposure to property... See omnystudio.com/listener for privacy information.

Ahmed & Drew - My tenant has left me, what should I do? PLUS: Using crowdfunding to buy property... Hear what Rob & Rob have to say in this weeks episode. See omnystudio.com/listener for privacy information.

We need another 1.8 million rental properties, says RICS Landlords have lost their legal challenge over the Finance Bill Perhaps as a result of the same changes, 63% of new mortgage applications are for limited companies And mortgage applications are only going to get more arduous: the Bank of England have set out their new underwriting requirements, with tougher stress-tests and requirements for portfolio landlords Finally, it's more tough talk from another new government with the announcement of a £5bn fund to provide 25,000 new homes. Will it come to anything? Who knows... There was plenty to talk about, so take a listen and see what you think! See omnystudio.com/listener for privacy information.

This week on Ask Rob & Rob, Bjorn... Asks Rob & Rob – How much of my net worth should be in property? The Rob's are possibly not unbiased on this frequently asked question, but they do try to give a balanced take on the well publicised adage that you shouldn't keep more that 10% of your net worth in bricks and mortar. Listen to this week's episode and let us know your thoughts on this one over on the forum. See omnystudio.com/listener for privacy information.

Grab your passport and join us as we head off around the world of property investment, investigating whether you should be hopping on a plane instead of into a car to research your next acquisition. We look into: The reasons why investing abroad is attractive to so many people The prospects for popular investment spots like Spain and the USA The risks and opportunities in up-and-coming locations like Eastern Europe The "wildcard" locations for if you're feeling particularly brave What to watch out for to make sure your the only risk of losing your shirt is if the airline misplaces your baggage If you'd like to learn more, we've also got a huge feature on investing overseas in the next issue of the Property Hub Magazine – with more detail on the areas we mention, plus other countries tipped by overseas investment experts. See omnystudio.com/listener for privacy information.

This week on Ask Rob & Rob, Mike... Asks Rob & Rob – Should I never sell a property? Rob D admits this is something you hear a LOT from everyone, including from The Robs. However he also says that his thinking has changed a little in recent year. If your property price is increasing a lot faster than the rent and your yield has fallen, you could take the view that you have had the majority of your gains and you could sell now and buy a property elsewhere where there's more growth in it. There's no right answer, and there is a logic in both approaches. Rob B says his attitude has changed too but only slightly - and that still feels that never selling is a decent principle. There's a time and place to take stock and maybe move some units on though - for example if you have a dud property that just hasn't performed as you expected, or was one of your earlier purchases and you made some mistakes on it, or you have had a constant string of bad tenants that have cost you a lot of time and money; then you should be prepared to walk away and move on to something else. Rob B continues by saying that as he believes in the 18 year property cycle, he will be inclined to move properties on when we're at the top of that cycle (which we are a fair way away from just now). So it's not quite a 'never sell a property' answer, and there is definitely a bit more to it than this, depending on your situation, your longterm plan, and where we are in the cycle. See omnystudio.com/listener for privacy information.

This week we're lucky enough to be joined by Pete Matthew from the Meaningful Money podcast, who talks us through how to set up your personal finances for property investment. Having Pete on the show allowed us to cover some topics that we've not devoted enough attention to in the past, including: The importance of life insurance if you have mortgages Where to keep your money while you wait to invest What kind of emergency buffer you should have on hand How to view property as part of a wider investment portfolio ...and Pete shares the biggest personal finance mistake he sees people making If you need more Pete in your life – and frankly, who doesn't – make sure you're subscribed to Meaningful Money Resource of the week Thank you to Matt Chan for pointing us towards Mubert – a site that generates sounds designed to help you concentrate. We've covered similar in the past, but it's always worth checking out another – and if you're going to be looking into insurance policies and bank account comparison tables, you'll need all the help you can get... News this week The northern powerhouse powers on – as Theresa May confirms that it's not going to be scrapped along with the chancellor who coined it! Buzzword or not, investing and looking at policy to rebalance the economy geographically makes nothing but sense – and is good news for anyone with investments anywhere near the areas that are set to benefit. It's meetup time again! The first Thursday of the month is almost upon us, which can only mean one thing: MEETUPS! Again there are more than 30 across the country – and if you're in London, you can attend the launch of our brand new Waterloo meetup. View the full list and book your place here Join the conversation What other steps have you taken to secure your personal finances? Any other questions you'd like Pete to answer for us? We’d love to know, so join the discussion in The Property Hub! If you enjoyed The Property Podcast, please leave a review on iTunes Reviews are really important in helping other people to find the show, so by way of thanks we read out every single review we receive on air. If you’d like to hear your name on the show, leave us a review on iTunes here. Not sure how to leave a review? This video shows you how to review and subscribe on iTunes. See omnystudio.com/listener for privacy information.

This week on Ask Rob & Rob, Mike... Asks Rob & Rob – When it comes to refinancing, should I consider a longer term deal to avoid fees? Rob D & B agree that this is all about the numbers, but it can be tricky to work out. Get your mortgage advisor to do the calculations and work out what is best for you. Remortgaging can be an expensive business and even if the costs are not being paid out immediately, they are definitely still very real costs. Rob D asks his broker to give him all the figures including any associated fees, just to be 100% sure that he chooses the best deal when re-financing. See omnystudio.com/listener for privacy information.

Last week we talked about the whole property buying process, all the way up to completion. This week, we're looking at the easy-to-overlook steps you need to take in order to prepare your property to let. They include: Deciding whether to self-manage or use an agent Checking out the competition Informing the authorities and utilities about your ownership Obtaining any licenses that are needed Getting safety certificates in place Checking for any post-refurb minor maintenance issues Then it's time to either start marketing yourself, or hand it over to an agent. We've got you covered there too... See omnystudio.com/listener for privacy information.

This week on Ask Rob & Rob, Andy... Asks Rob & Rob – What checks should you make when buying remotely? This is somewhat of a specialist subject for The Robs, as they both invest this way, and run companies which help people to invest with a completely hands-off method. This is an important question and Rob B starts by saying you need to be very clear in what you want from the people you work with. Give them really clear guidelines so people know exactly what is an investment you would consider, and what you wouldn't touch in a million years. This will help preserve your working relationships and save you all a lot of time and avoid frustration. Give as much detail as possible. Rob D agrees with the advice given but also says to clarify all information given - even if it's coming from a trusted partner. Get images, check market information, and do your research. This will give you complete clarity on your investment, and you wont feel like you really need to be there on the ground. This method is not for everyone, but for us it works really well. See omnystudio.com/listener for privacy information.

Getting an offer accepted on a property is always a great moment – but this week we see that rather than being the finish line, it's actually just the firing of the starter's pistol. The process of doing the legals and getting your mortgage arranged can be a lengthy and arduous one, and it's your job to take control of all the people involved and keep things ticking along. In this episode we go step-by-step through everything you'll encounter, and provide tips for how to boost your chances of coming through unscathed. We discuss: The preparation you can do with your broker and solicitor in advance At what point you'll have to fork over money What your solicitor should be doing behind the scenes (and why you need to check that they are!) How to balance patience with keeping things moving The critical milestones in the process of getting your mortgage agreed What will happen in preparation for exchange And in case it's all a bit much to take in, we've got a resource of the week to help... See omnystudio.com/listener for privacy information.

Rob B issues a note of caution - beware those who tell you there is a way to do this that means you pay a little more now to get started as an investor. The truth is there is no real shortcut, and you probably should pay your debts off first. It's frustrating, and tempting to want to find a quicker alternative, but not the best move. Avoid the people making the big claims and the courses that say otherwise are a waste of money. If it's a choice of paying off your debts or investing, you need to make a decision based entirely around return. So if your debt costs you 9% a month and you can comfortably pay this, but you can get a property that gives you an 8% return, then it's a no-brainer - pay off your debt. But start by paying down your most expensive debt first, get that paid off as soon as you can, and then maybe you will reach a point where you have some cheaper debt which you can accept whilst investing. Rob D admits yes, it's not the fun approach but waiting is the right thing to do, but suggests you make a plan now. Work out when you are going to be ready to invest and use that time to get experience and learn, so that when you're financially ready, you are as educated as possible. So don't feel disappointed that you can't start now, get a plan together and get excited about what you will be able to do in the future. See omnystudio.com/listener for privacy information.

It's no surprise that we're big believers in the long-term power of property...but we were surprised when the Bank of England's Chief Economist said he'd back property over a pension too. So in this week's episode we ask if property is really better than a pension. We cover: What the BoE's Andy Haldane said Whether property really has outperformed equities over the last 30 years The advantages of property as a long-term asset The advantages of pensions over property Why property isn't the right retirement choice for everyone Why you definitely shouldn't be relying on your main residence to fund your retirement ...and a bit of a rant about the disaster of pension provision (also listen to our pension crisis episode) It's far from being a whitewash – so take a listen, and see what you think. See omnystudio.com/listener for privacy information.

This is a commonly asked question - basically 'how good is good enough'. The answer is different for everyone as Rob D points out, as everyone has a different approach and attitude to risk. Rob D does say that neither himself nor Rob B uses net yield as a measure, preferring to favour looking at ROI, this takes into account using a mortgage and tells us after factoring in that mortgage, how hard an investment is working. Rob D bases everything on ROI, occasionally looking at gross yield to compare different properties that have similar costs. Rob D (greedily) aims to get an ROI of 10% and in typical Rob D fashion, hasn't invested in a property that doesn't hit this measure, though definitely doesn't rule this out if the deal had the potential to make great capital growth or add value. Rob B has relaxed his approach slightly in recent time, having formally worked with a target of 10% as well. He will now accept 8% BUT only if this property needs zero work and is being handed over to Yellow Lettings to get let. That said, he has done deals in excess of 14%, and deals at less than 6% because whilst he does check out this measure, he wont necessarily be put off entirely if the ROI isn't so high IF the deal is right in terms of capital growth. Rob B adds a note of caution to remind us that ROI isn't all it's sometimes cracked up to be! If it is based on letting at the maximum market value, getting a great deal from your solicitor and the very best mortgage rate in the market then these things may well not happen! Finally, Rob D suggests you don't compare ROI with other investors too frequently as you don't know what another person has allowed in the way of rent void periods, maintenance costs etc. So don't get too hung up comparing your figures against someone else's, just know that you are happy with them personally. See omnystudio.com/listener for privacy information.

Depending on who you listen to, it's either the perfect time to invest in property or it's horrendously overvalued and ripe for a crash. This week, we look at the data behind the claims that UK property is unaffordable – and show how easy it is to cherry-pick one measure to support an agenda. We look at affordability through the lens of: Actual house prices (and see the shocking impact of inflation over the long-term) Prices after adjusting for inflation, to identify the specific extent of house price inflation The price of houses as a multiple of earnings, and whether this is historically high The ongoing affordability of housing, looking at the monthly cost of a mortgage as a percentage of income There are some fascinating stats – as well as some really important insights into how affordability varies across regions, and where value might be found. See omnystudio.com/listener for privacy information.

This week on Ask Rob & Rob, Charles... Asks Rob & Rob – What is the snowball effect? Rob B says that from a capital growth point of view, if you see your portfolio at the top of the hill, as the hill drops down that represents time, by the time your snowball has been pushed down the hill - it is bigger. The point being, if you do more work in the early stages (buying BMV), your 'snowball' will be bigger at the end. The first few properties are incredibly important and you need to make wise decisions. Rob D adds that when he thinks about the snowball effect, he thinks of compounding rent. For example, if you want to buy a property every year worth around 80K, with a 75% mortgage and cash for the rest, you would need to save 20k+ (with fees) to buy that property which for most people is a very big ask. But once you have your first property and it's making you money, if you don't touch that rent, you need to save less to put the deposit down on your next property - and if you keep doing that, you reach a stage where you can keep buying through rental income alone. Saving for the first two or three properties is sometimes a slog, but it doesn't take too long for your 'snowball' to take effect and make life a lot easier. ASK YOUR OWN QUESTION TO ROB & ROB! Don't be shy! All you need to do is leave a message with your name and whatever's on your mind. Just pick up the phone and call 013 808 00035 (normal UK call rates apply). Or if you prefer, click here to leave a recording via your computer instead. NEED MORE ANSWERS? The Property Hub Summit is the place to get all your questions personally answered by Rob & Rob, and build a network of other smart, motivated investors. Over the course of a full day at a swanky hotel we'll help you set your goals, form a plan to get you there, overcome your obstacles, and give you the support system you need to make sure nothing gets in your way. Just don't hang around - there are only four Summits each year, and just 16 places available at each! Interested? Click here to find out more. See omnystudio.com/listener for privacy information.

More than any other type of property investment, the success of an HMO hinges on buying and setting it up right in the first place. We've talked recently about managing an HMO once it's up and running, but this week it's all about acquisition. We discuss: Where to buy, depending on your target market Two ways to find out where the "HMO areas" are Why you absolutely don't want to compromise on location The importance of understanding Article 4 The challenges involved in financing an HMO How lenders value HMOs (check out this episode of the Property Geek podcast for more on this) What you need to know about licensing The returns you can expect to earn The key components to setting yourself up for a high ROI See omnystudio.com/listener for privacy information.

Rob B starts by reminding you that what may be right for one person, won't necessarily be right for another. There will be pros and cons to each approach and there's no absolutely 'right' answer for everyone. However, whilst there is definitely an advantage in being a 'local expert' it is unlikely that your local area will consistently be a smart place to invest, which is why Rob & Rob invest all over the UK in places they consider to have good fundamentals. Rob allocates a lot of his time to research, and considers it to be lower risk to invest in different locations. Rob D agrees, it's definitely lower risk to invest in different areas IF you do good research to avoid making any mistakes. Rob D also adds a note of caution for this weeks caller, who had stated she had received lots of BMV deals and reminds everyone to check out these deals really thoroughly before going ahead, and be super diligent with your fact-checking. ASK YOUR OWN QUESTION TO ROB & ROB! Don't be shy! All you need to do is leave a message with your name and whatever's on your mind. Just pick up the phone and call 013 808 00035 (normal UK call rates apply). Or if you prefer, click here to leave a recording via your computer instead. See omnystudio.com/listener for privacy information.