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Welcome to The HMO Podcast, the dedicated resource for HMO and Co-Living property investors and developers! Join me and my special guests to learn everything you need to know about HMO property investment, from the tips, tricks and hacks that can save you time and money, to the best practice advice, the technical 'know-how' and inspirational stories of success and failure that will help you start, scale and systemise your very own HMO portfolio or business today.
349 Episodes
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In today’s episode, I’m breaking down one of the most misunderstood aspects of property investing: risk - where it actually sits in your HMO deals, how it stacks up, and how professional investors manage exposure before they commit. Risk isn’t something to fear or avoid entirely. It’s embedded into every return we chase. Higher yields exist because something could go wrong. The real question isn’t “Is this risky?” it’s “Is the reward sufficient given the exposure?” This episode is about struc...
Property can look straightforward from the outside. Find a deal, add value, refinance, repeat. But anyone who’s actually building a business in this market knows it’s rarely that simple. In this episode, I sit down with Adriana Cafasso, an investor operating in the North East who’s scaling both her own portfolio and a high-volume, end-to-end investment business. She’s not watching from the sidelines - she’s actively acquiring, refurbishing and structuring HMO and mixed-use projects in a marke...
Let’s be honest, going into 2026 there’s been a lot of noise in property and not much clarity. In today’s episode, I’m joined by Lucian Cook, Head of Residential Research at Savills and one of the most respected data voices in the UK housing market, for a clear-eyed conversation about where things actually stand as we move through 2026. Lucian has spent his entire career in property, starting as a chartered surveyor before moving into research just ahead of the global financial crisis. Since ...
In today’s episode, I’m sharing a business update and giving you a real look at what’s happening inside my portfolio and wider businesses as I head into 2026. This year isn’t about experimenting or chasing new ideas. It’s about execution, efficiency and tightening what’s already been built. I talk through how changes in my personal capacity have reshaped my role, why focus and discipline have become non-negotiable, and how better execution is already translating into stronger performance. I s...
In today’s episode, I’m joined by Russell Quirk, a well-known property expert and one of the UK property industry’s most outspoken commentators, for a straight-talking conversation about where the housing market is really heading. Russell started as an estate agent at 16 in his family business, went on to run his own traditional agency, and later founded Emoov, one of the UK’s first online estate agencies. Today, he works behind the scenes with some of Britain’s biggest property brands and is...
In today’s episode, I’m breaking down the real role mentorship plays in building a successful HMO business - what it actually does, when it makes sense, and how it can materially change your results if used properly. Mentorship isn’t a silver bullet. It won’t magically fix a broken strategy or replace hard work. But used at the right time and in the right way, it can dramatically improve decision-making, reduce risk, and accelerate progress. Most costly mistakes in property don’t come from ba...
In today’s episode, I’m breaking down my 16-step Find to Fill process - the exact system I use to take an HMO project from identifying the right property through to launching it and filling rooms fast. If HMOs were as simple as buy, refurb, advertise, and move tenants in, far fewer investors would be dealing with delays, budget overruns, planning issues, and long voids. In reality, most problems don’t come from the market - they come from missed or poorly sequenced steps earlier in the proces...
As we step into 2026, there’s no shortage of opinions about what the property market is going to do next. Some people are calling for a boom, others are predicting a crash. So in today’s episode, I’m laying out how I genuinely think 2026 will play out for HMO investors based on the data, the conversations I’m having across the market, and my own experience of building and operating HMOs at scale. This episode is about clarity. It’s about cutting through the extremes and understanding wh...
In today’s episode, I’m joined by one of my mentees, Royce Turville, to break down exactly how he’s gone from steady, stop-start portfolio growth to building real momentum - raising more finance, doing better deals, and installing the systems needed to scale without burning out. Royce shares the full story behind his journey: starting out as an “accidental landlord”, spending years building a base of single lets, then hitting that ceiling many investors reach - where the portfolio grows, life...
As we step into a new year, a lot of property investors are setting big intentions and telling themselves this is the year it finally clicks. But good intentions alone don’t create momentum. In today’s episode, I’m talking about why so many property investors feel like they’re doing everything right… but still can’t seem to build any real momentum. They get started, they stay busy, they even do the odd deal - yet things never quite take off. This episode is about structure, alignment, and the...
In today’s episode, I’m joined by Will Whittaker - a construction expert and experienced builder - to pull back the curtain on what HMO projects really look like on the other side of the deal. What does a refurbishment or conversion look like from a builder’s perspective, and where do investors most often get caught out? As you can imagine, I’ve got plenty of questions. I consider myself fairly experienced when it comes to buildings and refurbishments, but Will operates on another level entir...
In today’s episode, I’m challenging the way most people think about a £50,000 pot of capital and why, for so many aspiring property investors, that thinking is the very thing keeping them stuck. £50k feels like a lot of money and it is, but in the context of property, it’s also not enough to do the job most people are asking it to do. Rather than trying to force £50,000 into a single deal and hoping it changes your life, I break down what that money should actually be used for if your goal is...
In today’s episode, I’m tackling the question everyone is asking right now: is it still worth investing in property? With rising costs, tighter lending, more competition and a general sense of uncertainty, it’s no surprise that so many investors are wobbling. Instead of giving you a polished answer, I’m breaking down what’s actually happening, what matters, and why the fundamentals still hold strong. We’ll talk honestly about the challenges in today’s market, the pressure on deals, the realit...
In today’s episode, I break down the Autumn Budget and what it really means for HMO landlords and property investors, with expert insight from mortgage specialist Ellie Broadhurst. After weeks of speculation and political noise, the budget has finally landed and while it wasn’t as bad as many feared, it was still far from good news. We explore the key changes that affect landlords, what didn’t happen (and why that matters), and the wider direction of travel for the property market. Most impor...
In today’s episode, I’m sharing a real and honest breakdown of what’s been happening inside my property and development businesses over the last few months. It’s been a challenging period across the market - tight lending, uncertainty surrounding the Renters’ Rights Act, contractor issues, slower rental demand, and some big, strategic decisions to make. Instead of giving you the polished version, I’m taking you behind the scenes and talking openly about what’s working, what’s not, and how I’m...
In today’s episode, I sit down with Hayley Andrews, the award-winning investor, “dragon” on Sky TV’s Property Elevator, and the force behind Hard Hats to Heels and the Women in Property Awards, to unpack how she’s built a diverse, multi-strategy portfolio over two decades, from vanilla buy-to-lets and HMOs through to hotels, listed buildings and complex commercial schemes. Hayley shares the real story behind her growth: starting out on a council estate, using property as a pension, then scali...
In today’s episode, I break down one of the most overlooked parts of running a successful property business - how you structure it. Most investors talk about yield, rent, and refinancing, but few think about what happens after they’ve made the money. Without the right structure, a huge chunk of your profits can disappear in tax - money that could have stayed in your business, been reinvested, and compounded into something far bigger over time. I reveal how smart tax planning and business stru...
In today’s episode, I break down the Renters Rights Act, the biggest shake-up to the UK rental market in decades, and explain what it really means for HMO landlords. This new legislation completely rewrites the rules for landlords, from the removal of fixed-term tenancies and Section 21 evictions to rent increases, pets, and the launch of a national landlord register. It’s a huge change that adds complexity and risk, but for those who understand it and prepare early, it also creates an incred...
In today’s episode, I break down the 14 key numbers every serious HMO investor should be tracking — the exact metrics that separate property owners from true property business owners. Over the years, I’ve seen countless investors who know their rent roll but have no idea how their portfolio is actually performing. In this solo deep dive, I walk you through the essential calculations, from yields and ratios to returns and risk measures, that reveal how efficient, profitable, and resilient your...
In today’s episode, I sit down with Craig Fisher, the founder of CF Commercial, HausProud Living, and co-founder of Yvonne Ellen, to unpack how he’s built a £250k-per-year HMO portfolio while running several multi-million-pound businesses. Craig joined my mentorship programme in June 2023, and together we’ve focused on building a simple, repeatable model that works. In this conversation, I pull back the curtain on the exact deal criteria, refurb standards, KPIs, and risk controls Craig uses t...
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