This Property Life Podcast

SummaryIn this episode of The Property Life podcast, Caroline and Nick Claydon discuss the increasing trend of people leaving the UK for more tax-efficient locations, particularly Dubai. They explore the reasons behind this migration, including the perception of the UK as a challenging environment for entrepreneurs and the growing desire for flexibility in living arrangements. The conversation also touches on the opportunities that remain in the UK property market, the importance of family considerations in relocation decisions, and the potential for growth in the social housing sector. Ultimately, the couple reflects on their own decision to stay in the UK for now, while remaining open to future possibilities.KeywordsUK migration, tax efficiency, property investment, Dubai, entrepreneurship, economic challenges, social housing, future planning, family decisions, property marketTakeawaysMany people are leaving the UK for more tax-efficient locations.The perception of the UK as a difficult place for business is growing.Dubai is seen as an attractive option for property investment.The UK government is perceived as not supporting entrepreneurs.The population's desire to rent is increasing, creating opportunities for landlords.Political chaos in the UK may lead to more opportunities for those who stay.The importance of considering family implications when relocating.Investors are looking for long-term opportunities despite current challenges.The social housing sector is expected to grow in the future.Future planning is essential for adapting to changing circumstances.Chapters00:00 The Great Migration: Why People Are Leaving the UK09:02 Exploring Opportunities Abroad: The Case for Dubai17:55 Staying Put: The Decision to Remain in the UK23:46 Future Plans and Business Ventures Hosted on Acast. See acast.com/privacy for more information.

In this episode of 'This Property Life', hosts Nick and Caroline Claydon delve into the 1% rule of property investment, a crucial guideline for investors to ensure they are making sound financial decisions. They explain how the rule serves as a sense check for determining whether a property is worth pursuing based on its rental income relative to its purchase price. The conversation covers practical applications of the rule, real-life examples, and the importance of understanding property types and locations. They also discuss the limitations of the 1% rule, particularly in relation to more advanced investment strategies, and emphasize the need for a mindset shift from focusing on purchase prices to rental income. The episode concludes with insights on scaling property investments and the significance of buying at a discount to maximize cash flow.Keywords1% rule, property investment, cash flow, buy to let, rental income, property types, investment strategy, yield, ROI, property marketTakeawaysThe 1% rule is a crucial tool for property investors.Monthly rent should equal about 1% of the purchase price.The rule helps prevent overpaying for properties.Understanding property types is essential for investment success.Investing in areas outside your immediate location can yield better results.The 1% rule is not applicable for advanced strategies like HMOs.Scaling investments is important for building a portfolio.Focus on rental income rather than purchase price.Buying at a discount allows for added value and cash flow.The numbers in property investment are black and white.Sound Bites"The 1% rule is a fail-safe tool.""It stops you overpaying.""Invest not near you."🔗 Next StepsIf you enjoyed this episode and want to go deeper:👉 Explore more episodes of This Property Life👉 Join our free training and resources at Property Wealth System👉 Follow us for upcoming webinars and live sessionsChapters00:00 Understanding the 1% Rule and why professional investprs use it05:05 How to Apply the 1% Rule Using Rightmove10:02 Real Time Area and Property Analysis14:11 Limitations of the 1% Rule17:49 Investing Beyond Your Local Market21:08 Conclusion and Future Insights Hosted on Acast. See acast.com/privacy for more information.

In this episode of This Property Life, Nick is joined by Sarah to unpack one of the most talked-about stories in UK property right now — the idea that the housing market is “broken”, landlords are leaving in droves… and yet, millennials are becoming the fastest-growing group of new landlords.Following recent media coverage (including a Panorama episode and reporting in the Telegraph), we dig into what’s really happening behind the headlines — and why the reality on the ground looks very different from the narrative being pushed.This is an honest, data-led conversation about where the UK property market is heading, who’s still investing, and what today’s investors need to understand if they want to succeed long-term.🔍 In This Episode, We Cover:Why millennials are now the largest group of new landlords in the UKWhat the media often gets wrong about buy-to-let and property investorsHow today’s investors are approaching property very differently from previous generationsWhy limited companies, strategy and cashflow matter more than everThe real impact of regulation, tax and interest ratesWhat the “professionalisation” of property investment actually looks likeWhether buy-to-let is really dead — or just evolvingWhat this means for anyone considering investing in 2025 and beyond🧠 Key TakeawayThe property market isn’t broken — the old way of investing is.The investors who are still succeeding are:Strategic, not speculativeFocused on numbers, not hypeWilling to adapt to a changing marketBuilding long-term, sustainable portfoliosAnd increasingly, they’re doing it younger and smarter than ever before.🎯 Why This Episode MattersThere’s a huge amount of noise around property right now.This episode cuts through it.If you’re:Thinking about getting startedAlready investing but feeling uncertainWondering whether property still stacks upOr trying to make sense of conflicting media headlines…this conversation will help you see the bigger picture.🔗 Next StepsIf you enjoyed this episode and want to go deeper:👉 Explore more episodes of This Property Life👉 Join our free training and resources at Property Wealth System👉 Follow us for upcoming webinars and live sessionsChapters00:00 Welcome to This Property Life Brought To You By Property Wealth Club01:30 Are The Millennials and Gen Z Really Taking Over?03:21 How Has The Buy To Let Landscape Changed?07:59 What Is Driving The Millennial's Change In Mindset?12:20 Common Mistakes Millennials Make in Property Investment18:59 Aligning Property Investment with Life Goals20:41 Conclusion: A Professional Approach Is Key To Success22:42 Subscribe Here Hosted on Acast. See acast.com/privacy for more information.

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership——————————————————————In this episode of This Property Life, host Sarah Blaney speaks with Esther Smith, a successful property investor, corporate contractor, and busy parent. Together with her husband Mark, Esther has built a portfolio of HMOs leased to supported living providers such as Serco. The conversation explores how to strategically balance property investing with a demanding career and family life, and dives into the practicalities and pitfalls of the supported housing model.Esther Smith is a contractor in the corporate world and a mother of young children, one of whom has autism. Esther brings a realistic, no-frills perspective to property investing, blending analytical skills, financial forecasting, and an acute awareness of social needs to build a portfolio with both purpose and profit.What You'll Learn:Why supported living HMOs can be a smart long-term investment strategyThe real timelines and work involved before a property begins cash flowingHow to manage property investing alongside a demanding job and family lifeTips on working with providers like Serco and handling bureaucratic challengesThe importance of aligning investment strategies with personal and family goalsTimestamps[00:00] – Introduction to the Episode[02:18] – Why Esther chose property investing alongside a corporate career[04:32] – Transitioning to HMOs and choosing supported living as a strategy[06:08] – Challenges of property management and moving outside London[08:31] – The importance of patience and persistence in property[11:15] – The true timeline to cash flow a supported living HMO[19:30] – What to expect during refurb and compliance processes[26:24] – Lease signing: navigating Serco’s contracts and requirements[32:28] – Lending, insurance, and operational costs: myth vs reality[42:01] – Long-term goals, charitable aspirations, and future plans[47:37] – Wrapping up: advice on staying focused and aligned with your goals[51:37] – Where to connect with Esther SmithThis Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Esther Smith Socials:LinkedIn: https://www.linkedin.com/in/esthersmith1Website: https://espeopleandchange.com/Follow Sarah Blaney Socials:LinkedIn: https://www.linkedin.com/in/sarahpropertyandbusiness/  Facebook: https://www.facebook.com/sarah.blaney.1232Instagram: https://www.instagram.com/sarah.in.property/Follow This Property Life Podcast on Socials:Website:https://thispropertylife.co.uk/ Instagram: https://www.instagram.com/thispropertylife/# Facebook: https://www.facebook.com/profile.php?id=61564457166712&locale=en_GB Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ LinkedIn: https://www.linkedin.com/company/this-property-life-podcast/about/ Tiktok: https://www.tiktok.com/@thispropertylifeYouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Twitter: https://x.com/propertylifepod Hosted on Acast. See acast.com/privacy for more information.

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership——————————————————————In this episode of This Property Life, host Sarah Blaney speaks with Jake Colwill, an experienced property investor and developer based in Bristol. Jake shares how he and his partner Lucy have built a smart, sustainable property business by flipping properties to generate capital, which they then reinvest into high-quality HMOs in premium southern markets. What You'll Learn:How flipping properties can fuel long-term investment in high-value areas.Why Jake and Lucy focus on tight geographic areas and niche property types.Smart strategies for sourcing off-market deals through relationships and persistence.The mechanics of high-end HMO investing in Article 4 areas, including planning and valuation tips.How to build and maintain a scalable, sustainable property business with clear strategic focus.Timestamps[02:39] - The Origins of Their Strategy[06:03] - Freehold Blocks and Title Splits[09:22] - Sourcing Off-Market Deals[16:02] - Structuring Their Business[19:01] - What Makes a Premium HMO[22:01] - Valuations: Commercial vs. Bricks & Mortar[24:37] - Hold Strategy and Long-Term Thinking[27:36] - Building Momentum Through Niching[30:29] - Final Thoughts and Resilience in PropertyThis Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Jake Colwill Socials:LinkedIn: https://www.linkedin.com/in/jake-colwill-1279b9104/?originalSubdomain=ukInstagram: https://www.instagram.com/jake_colwill/LinkedIn (Company): https://www.linkedin.com/company/innova-property/Website (Company): https://www.innova-property.com/Follow This Property Life Podcast on Socials:Website:https://thispropertylife.co.uk/ Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ YouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg  Hosted on Acast. See acast.com/privacy for more information.

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership——————————————————————In this episode of This Property Life, host Sarah Blaney is joined by property expert Wendy Whitaker-Large to tackle a provocative and controversial question: Are landlords responsible for the housing crisis? Wendy offers a balanced and experience-led take as they explore key topics such as supply planning, government policy, investor behavior, and what’s really driving the shortage of homes in the UK. What You'll Learn:The debate around secondhand properties and how landlords help refurbish homes.How the media's London-centric perspective distorts the national housing debate.How the Thatcher-era "Right to Buy" policy contributed to the current shortage of affordable homes.The role of small builders in helping to alleviate this crisis, compared to large national developers.A discussion about the government's reliance on private landlords for social housing.Timestamps[01:04] - Introduction of Wendy Whitaker[02:28] - Secondhand Properties & Landlord Refurbishments[06:05] - Media's London Focus[08:09] - Home Ownership and Affordability[12:30] - Right to Buy & Housing Shortage[16:56] - Government Debt & Economic Challenges[21:23] - Small Builders vs. Large Developers[31:19] - Government's Reliance on Private Landlords[40:58] - Renters’ Rights Bill Impact[50:46] - Conclusion and Final ThoughtsThis Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Wendy Whittaker Socials:LinkedIn: https://www.linkedin.com/m/in/wendy-whittaker-largeWebsite: https://www.wendywl.uk/Facebook: https://www.facebook.com/wendywlarge/Instagram: https://www.instagram.com/wendy_whittakerlarge/Follow This Property Life Podcast on Socials:Website:https://thispropertylife.co.uk/ Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ YouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg  Hosted on Acast. See acast.com/privacy for more information.

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership——————————————————————In this episode of This Property Life, host Sarah Blaney speaks with Michael Dean, co-founder of Avamore Capital, about the current challenges facing UK property developers. What You'll Learn:Why do smaller and mid-sized developers have more room for creative deal structuringThe importance of flexibility and negotiation when working with landownersWhat funders are really looking for in today’s marketHow to identify the right landowners for JV or deferred payment dealsStrategies to stay resilient and invest smartly in a challenging property climateTimestamps[02:34] - Michael’s Background[05:36] - Build Cost Inflation, Slow Sales, And Landowner Expectations[09:00] - Why Small-To-Mid Deals Offer More Flexibility[14:38] - Deferred Payments, Overage, Jv Agreements[21:49] - Finding The Right Landowners: Motivated & Pressurised Sellers[29:44] - Operator Vs. Discretionary Developer Mentality[34:24] - Outlook On Interest Rates And The Market Bottom[42:42] - Political Risks And Budget Speculations[45:27] - Final Thoughts & Getting In TouchThis Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Michael Dean Socials:LinkedIn: https://www.linkedin.com/in/propertyfunder/Instagram: https://www.instagram.com/property_funder/LinkedIn (Company): https://www.linkedin.com/company/avamore-capital/Instagram (Company): https://www.instagram.com/avamorecapital/Instagram (Podcast): https://www.instagram.com/thepfppodcast/Follow This Property Life Podcast on Socials:Website:https://thispropertylife.co.uk/ Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ YouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg  Hosted on Acast. See acast.com/privacy for more information.

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership——————————————————————In this episode of This Property Life, host Sarah Blaney sits down with Michael Langley, a small-scale property developer who has built his business through smart partnerships and a clear vision. What You'll Learn:How Michael’s architectural skills contribute to the development processHow Michael and Christian structured their JV to leverage their combined skill setsThe process Michael uses to evaluate sites, including market research and feasibility studiesHow to mitigate risks related to planning, cost overruns, and managing timelinesSubcontractor management, cost of materials, and dealing with unexpected delaysTimestamps[02:12] - Michael's transition from architecture to property development[06:22] - Michael discusses meeting his business partner, Christian[11:57] - How profit and project responsibilities are split in their JVs[19:13] - Explanation of Special Purpose Vehicles (SPVs) and their operational structure[23:55] - The cost breakdown of building in different areas[31:24] - Case study of their current development project in Forest Hill, London[42:03] - Challenges in construction costs and subcontractor management[46:34] - Planning delays and the frustrations with under-resourced planning departments[57:26] - Stress-testing deals to ensure investor returns even with market fluctuations[59:47] - Michael’s advice for new developersThis Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Michael Langley Socials:LinkedIn: https://www.linkedin.com/in/michael-langley-mla/?originalSubdomain=ukInstagram: https://www.instagram.com/mlangleyproperty/Follow MLA Architecture Ltd:Website: https://mla-architecture.co.uk/Instagram: https://www.instagram.com/mlaarchitecture/Follow Turnkey Developments Ltd:Website: https://www.turnkey-developments.co.uk/Instagram: https://www.instagram.com/turnkey_developments/Follow This Property Life Podcast on Socials:Website: https://thispropertylife.co.uk/  Hosted on Acast. See acast.com/privacy for more information.

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership——————————————————————In this episode of This Property Life, Sarah Blaney welcomes back property expert James Lynch to look into title splitting. While James’s expertise centers on splitting freehold buildings into leasehold units, the practical strategies he shares today are transferable to almost any property transaction. What You'll Learn:How to use prop tech tools to source profitable deals more efficiently.Clever ways to legally reduce stamp duty through commercial classifications.Techniques for conducting due diligence remotely to save time and travel.Why expediting title registration can save thousands on bridging finance.Timestamps[02:00] - Tip #1: Use PropTech to Source Smart[04:41] - Tip #2: Go Off-Market[05:50] - Tip #3: Save on Stamp Duty (Legally)[08:39] - Tip #4: Due Diligence from a Distance[14:17] - Tip #5: Work with the Right Solicitors[18:16] - Tip #6: Save on Lease Plans[22:54] - Tip #7: Get the Right Valuer[29:13] - Tip #8: Choose the Right Lender and Broker[31:57] - Tip #9: Expedite Title Registration[34:07] - Conclusion & How to Contact JamesThis Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow James Lynch Socials:LinkedIn: https://www.linkedin.com/in/jameshlynch/?originalSubdomain=ukWebsite: http://www.thetitlesplitconsultant.co.uk/LinkedIn (Company): https://www.linkedin.com/company/thetitlesplitconsultant/Facebook (Company): https://www.facebook.com/p/The-Title-Split-Consultant-61564947800547/Instagram (Company): https://www.instagram.com/thetitlesplitconsultant/?hl=enFollow This Property Life Podcast:Website:https://thispropertylife.co.uk/ Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ YouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg  Hosted on Acast. See acast.com/privacy for more information.

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership——————————————————————In this episode of This Property Life, host Sarah Blaney looks into the world of Houses in Multiple Occupation (HMOs) with seasoned investor Henry Davis. With over 30 years of experience, Henry shares the practical lessons he's learned from building and managing both small and large-scale HMOs. What You'll Learn:Why soundproofing and room design are critical for tenant retention in HMOsHow to future-proof your properties to stay compliant with changing regulationsThe financial and legal advantages of going back to brick when developing HMOsSmart sourcing and furnishing strategies that balance quality with costHow to choose properties that are more likely to gain planning permission, even in Article 4 areasTimestamps[03:45] - Why Henry chose HMOs for better cash flow[05:13] - Design pitfalls and why most HMOs fail at tenant retention[11:26] - Choosing your tenant avatar: professionals vs. students[20:33] - Furniture, fittings, and clever layout tips for durability[26:16] - How to create inviting, robust communal areas[36:32] - Scaling up: large HMOs, planning permission, and property selection[38:16] - Data-driven investing and mastering local planning policy[42:51] - Budgeting, working with QSs, and paying builders wisely[55:03] - Final advice, practical tips, and where to find Henry’s resourcesThis Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Henry Davis Socials:LinkedIn: https://www.linkedin.com/in/henrydavisproperty/Website: https://henrydavisproperty.com/Instagram: https://www.instagram.com/henrydavisproperty/Facebook: https://www.facebook.com/HenryDavisPropertyFollow This Property Life Podcast on Socials:Website:https://thispropertylife.co.uk/ Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ  YouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg  Hosted on Acast. See acast.com/privacy for more information.

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership ——————————————————————In the fourth and final episode of the "Controlling the Uncontrollables" mini-series, Nick and Caroline look into one of the biggest fears in property development: working with builders and contractors. From sourcing reliable tradespeople to managing quotes, timelines, and red flags, this episode arms property investors with practical insights to help them navigate the tricky terrain of contractor relationships.What You'll Learn:The critical qualities of a good contractor and how to spot red flags early.Why pricing up refurbs before an offer is accepted can backfire.Where and how to find reputable builders in your investment area.The importance of clearly defining spec levels and managing contractor relationships.How to protect yourself financially when working with tradespeople.Timestamps[02:58] - What Makes a Good Contractor[06:37] - Why You Don’t Need a Builder Before a Deal[09:35] - Estimating Refurb Costs Independently[12:56] - Finding Reputable Builders[16:35] - What to Ask When Vetting a Builder[21:44] - Setting Expectations and Incentivising Deadlines[28:59] - Spotting Red Flags and Trusting Your Gut[40:50] - Payment Terms and Financial Protection[48:12] - Looking Ahead: Buying Boring BusinessesThis Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Caroline Claydon Socials:LinkedIn: https://www.linkedin.com/in/caroline-claydon-property   Website: https://www.carolineclaydon.com/ Follow Nick Claydon Socials:LinkedIn: https://www.linkedin.com/in/nick-c-651a141a1/ Follow This Property Life Podcast on Socials:Website: https://thispropertylife.co.uk/ Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ LinkedIn: https://www.linkedin.com/company/this-property-life-podcast/about/ YouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg  Hosted on Acast. See acast.com/privacy for more information.

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership——————————————————————In this episode, Sarah Blaney and Nick Claydon respond directly to a recent BBC Panorama documentary on the UK government's ambitious pledge to build 1.5 million new homes by 2029. What You'll Learn:Why the government’s 1.5 million homes promise might as well be fictionHow Thatcher’s Right to Buy scheme broke the social housing systemWhy apprenticeships dried up, and why nobody wants to be a bricklayer anymoreHow local councillors and planning committees kill good developmentWhat “grey belt” land is, and why it could be the real answer to housing shortagesTimestamps[03:02] - Housing Crisis Origins: Thatcher, Right to Buy & No Replacements[04:57] - Construction Chaos: Brexit, Boomers & University Overload[09:10] - The Fantasy of 1.5 Million New Homes[12:16] - Why Landlords Aren’t the Villains You Think[15:24] - Greenbelt vs Grey Belt: The Land We Can’t Touch[20:17] - Planning Hell: Local Council Shenanigans[27:31] - Eight Years for Planning on a Brownfield Site[29:34] - Nutrient Neutrality, Sewage, and 40-Year Mistakes[32:48] - Final Thoughts: How Do We Fix This?This Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Sarah Blaney Socials:LinkedIn: https://www.linkedin.com/in/sarahpropertyandbusiness/  Facebook: https://www.facebook.com/sarah.blaney.1232Instagram: https://www.instagram.com/sarah.in.property/Follow Nick Claydon Socials:LinkedIn: https://www.linkedin.com/in/nick-c-651a141a1/ Follow This Property Life Podcast on Socials:Website:https://thispropertylife.co.uk/ Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ LinkedIn: https://www.linkedin.com/company/this-property-life-podcast/about/ YouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg  Hosted on Acast. See acast.com/privacy for more information.

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership——————————————————————In this episode, Sarah Blaney and Nick Claydon return to the topic of Energy Performance Certificates (EPCs), shifting the focus from England and Wales to the Scottish property market. What You'll Learn:Key differences between EPC requirements in Scotland vs. England and WalesWhat the new heat retention rating (HRR) system means for landlordsThe impact of proposed changes on different types of housing stockPractical strategies for choosing compliant, investment-friendly propertiesWhy ex-local authority homes may offer the best opportunities for investorsTimestamps[01:50] - Current EPC Standards in Scotland[03:32] - Introduction of the Heat Retention Rating (HRR)[04:20] - Clean Energy and Heating Systems[05:51] - The Unintended Consequences of Policy[07:47] - EPC Validity Period Shrinks to Five Years[08:37] - Types of Housing Stock in Scotland[12:01] - Investment Recommendations[15:48] - Should You Panic or Prepare?This Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Sarah Blaney Socials:LinkedIn: https://www.linkedin.com/in/sarahpropertyandbusiness/  Facebook: https://www.facebook.com/sarah.blaney.1232Instagram: https://www.instagram.com/sarah.in.property/Follow Nick Claydon Socials:LinkedIn: https://www.linkedin.com/in/nick-c-651a141a1/ Follow This Property Life Podcast on Socials:Website:https://thispropertylife.co.uk/ Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ LinkedIn: https://www.linkedin.com/company/this-property-life-podcast/about/ Tiktok: https://www.tiktok.com/@thispropertylifeYouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg  Hosted on Acast. See acast.com/privacy for more information.

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership——————————————————————In this episode of This Property Life, host Sarah Blaney sits down with Peter Vandervennin, an industry veteran with 25 years as a mortgage advisor and 43 years in financial services. With rates fluctuating, fees soaring, and lender criteria tightening, UK property investors face increasing challenges when financing or refinancing properties. What You'll Learn:Why lender fees are currently so high and who’s really to blame.The real reason mortgage products get pulled last-minute.What brokers know that AI tools and comparison websites don’t.The most common reasons mortgage applications get declined (and how to avoid them).What lenders are actually looking for (beyond the paperwork).Timestamps[00:00] - Introduction to the Episode[02:03] - Why Lender Fees Are Sky-High[06:45] - Why Mortgage Products Are Pulled Overnight[09:03] - Do Lenders Dislike Certain Postcodes or Landlords?[14:27] - Why Refinancing is So Painful Now[18:23] - Do Lenders Really Check Affordability?[22:20] - Why Mortgage Applications Get Declined[28:36] - What Are Lenders Really Looking For?[30:48] - Fix for 2 Years, 5 Years, or Go Variable?[33:43] - Final Thoughts and How to ConnectThis Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Peter Vandervennin Socials:LinkedIn: https://www.linkedin.com/in/peter-vandervennin-dipfa-cemap-mifs-52112b25/LinkedIn (Company): https://www.linkedin.com/company/the-mortgage-consultancy/Website (Company): https://www.themortgageconsultancy.co.uk/Follow This Property Life Podcast on Socials:Website:https://thispropertylife.co.uk/ Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ LinkedIn: https://www.linkedin.com/company/this-property-life-podcast/about/ YouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg  Hosted on Acast. See acast.com/privacy for more information.

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership——————————————————————In this episode of This Property Life, Sarah Blaney and Nick Claydon break down the ongoing discussions around EPC (Energy Performance Certificate) changes in England and Wales. With rising concerns about the cost of property upgrades and the future of rentability, the hosts offer practical advice for landlords and investors, aiming to reduce panic and provide clarity. What You'll Learn:EPC ratings for rentals will rise to a C by 2028 for new tenancies and 2030 for all tenanciesShould landlords with a D or below rating act now to avoid future compliance issuesThe £15,000 cap on EPC upgrades may not be enough in high-cost areasHow the political changes could delay or alter the implementation of EPC rulesGrandfather rights may provide enough time for landlords to adjust to the new standardsHow will the housing supply shortage impact the availability of rental propertiesTimestamps[00:00] - Introduction[01:27] - Episode Overview[03:33] - Breakdown of Energy Performance Certificate[05:06] - Practical Steps for Landlords[09:27] - Discussion on Political Uncertainty[13:06] - Cost Cap and Regional Disparities[14:45] - Housing Market Impact on Tenants[18:03] - The Importance of Long-Term Outlook[19:54] - Final Thoughts and AdviceThis Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow This Property Life Podcast on Socials:Website:https://thispropertylife.co.uk/ Instagram: https://www.instagram.com/thispropertylife/# Facebook: https://www.facebook.com/profile.php?id=61564457166712&locale=en_GB Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ LinkedIn: https://www.linkedin.com/company/this-property-life-podcast/about/ Tiktok: https://www.tiktok.com/@thispropertylifeYouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Twitter: https://x.com/propertylifepod Hosted on Acast. See acast.com/privacy for more information.

Ready to unlock your Property Investment game in 2025? Grab your FREE copy of our Buy-to-Let market guide today! https://bit.ly/buy-to-let-hotspots-guide-2025 ——————————————————————In this episode of This Property Life, Nick and Caroline continue their four-part series on controlling the Uncontrollables in property investing. In this part, they focus on navigating the complex world of planning permissions, builders, and contractors. What You'll Learn:The importance of understanding the planning process and how it varies from council to council.The difference between permitted development and full planning applications, and how to use them strategically.How to choose the right architects and planning consultants who can help push your projects through.Real-world experiences of dealing with unpredictable planning officers and how to deal with delays or rejection.How to make smart decisions with builders and contractors while avoiding the typical traps that lead to frustration and delays.Timestamps[00:00] - Introduction[01:21] - Overview of the Episode[02:40] - Understanding the Planning Process[05:55] - How To Use The Local Authority's Planning Portal [08:18] - Pros and Cons of Pre-Applications[15:25] - Working with Historic Scotland[22:33] - Planning Timeframes, Delays & Tactics[28:59] - How The Committee Process Works[36:19] - Political Bias & Planner Personality Conflicts[42:31] - Closing Thoughts: and Key TakeawaysThis Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Caroline Claydon Socials:Instagram: https://www.instagram.com/carolineclaydon.property/  LinkedIn: https://www.linkedin.com/in/caroline-claydon-property   Website: https://www.carolineclaydon.com/ Follow This Property Life Podcast on Socials:Website: https://thispropertylife.co.uk/ Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ LinkedIn: https://www.linkedin.com/company/this-property-life-podcast/about/ YouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg  Hosted on Acast. See acast.com/privacy for more information.

Ready to unlock your Property Investment game in 2025? Grab your FREE copy of our Buy-to-Let market guide today! https://bit.ly/buy-to-let-hotspots-guide-2025 ——————————————————————In this episode of This Property Life, Sarah Blaney welcomes Elina James to discuss the dynamic world of property flipping in one of the most competitive markets in the world; London. Property flipping in high-value areas often feels unattainable, but Elina proves otherwise with her bold and strategic approach. What You'll Learn:How to creatively structure a property deal in a high-value market like LondonThe power of networking and relationship-building in finding off-market dealsWhy understanding your target buyer is essential in property design and renovationHow to deliver high-impact renovations quickly and cost-effectivelyThe strategic value of multiple exit options and smart negotiation tacticsTimestamps[00:00] - Introduction & Guest Welcome[03:32] - From Finland to London: Elina’s Property Journey[05:53] - How Networking Unearthed a Hidden Gem[08:57] - Creative Deal-Making and Securing Below Market Value[12:12] - Rapid Renovation: A 2.5-Week Turnaround for £21K[16:04] - High-End Marketing with a Twist[21:00] - Agent Relationships & Finding the Next Deal[22:10] - Key Takeaways for Flipping in Competitive Markets[28:16] - Closing ThoughtsThis Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Elina James Socials:LinkedIn: https://www.linkedin.com/in/elinaajames/?originalSubdomain=ukFacebook: https://www.facebook.com/people/Elina-James-Property/61577611802724/#Follow This Property Life Podcast on Socials:Website:https://thispropertylife.co.uk/ Instagram: https://www.instagram.com/thispropertylife/# Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ LinkedIn: https://www.linkedin.com/company/this-property-life-podcast/about/ YouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg  Hosted on Acast. See acast.com/privacy for more information.

Ready to unlock your Property Investment game in 2025? Grab your FREE copy of our Buy-to-Let market guide today! https://bit.ly/buy-to-let-hotspots-guide-2025 ——————————————————————In this second episode of their four-part series, Nick and Caroline look into the complexities of property lending, a crucial yet often misunderstood part of property investing. Focused on larger and more complex development projects, this episode uncovers the true risks, strategies, and horror stories involved in financing property deals.What You'll Learn:Why understanding regulated vs. unregulated lending can make or break your project.The red flags to look out for with development finance and bridging loans.How to structure your lending to reduce risk (and avoid losing your house).The critical importance of knowing your exit lender before you start.Why private lending and strong broker relationships are often better than flashy deals.Timestamps[00:00] – Intro & Overview of the 4-Part Series[01:56] – Why Lending is Crucial and When You Need It For Your Projects[05:27] – The Importance Of Accurate Numbers And Avoiding Over-Optimistic Estimates[08:59] – Regulated vs. Unregulated Lending Explained[15:40] – Planning, Bridging & the Risks of Timeframes[18:48] – How Development Finance Works & Why It’s Risky[24:38] – Real-Life Red Flag Stories (And Close Calls)[27:23] – The Dangers of Going “All In” with One Lender[39:40] – Scaling, Private Equity & Knowing Your Risk Appetite[44:54] – Closing Thoughts & Teaser for the Next EpisodeThis Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Caroline Claydon Socials:LinkedIn: https://www.linkedin.com/in/caroline-claydon-property   Website: https://www.carolineclaydon.com/ Follow This Property Life Podcast on Socials:Website: https://thispropertylife.co.uk/ Instagram: https://www.instagram.com/thispropertylife/# Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ LinkedIn: https://www.linkedin.com/company/this-property-life-podcast/about/ YouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg  Hosted on Acast. See acast.com/privacy for more information.

Ready to unlock your Property Investment game in 2025? Grab your FREE copy of our Buy-to-Let market guide today! https://bit.ly/buy-to-let-hotspots-guide-2025 ——————————————————————In this episode of This Property Life, Sarah Blaney is joined by James Lynch, a seasoned property investor who specializes in title splits. James shares how this strategy helped him accelerate his property growth and turn his portfolio from 5 properties in Bristol to 45 overnight. What You'll Learn:What is title splitting and why it’s a great strategy for unlocking instant value in property deals.The complexities of title splitting such as working with solicitors and valuers, and dealing with bridging loans.Navigating common obstacles such as delays, tenant issues, and vendor demands.How to forecast property values and work effectively with surveyors to maximize uplift.Timestamps[02:57] - James' Property Background[04:26] - Vertical vs. Horizontal Title Splits[07:09] - How James Got Started[10:31] - Purchasing the 40-Flat Block[19:32] - Valuation and Bridging Finance[25:39] - Legal Challenges with Leaseholds[42:24] - Lessons Learned from the Deal[56:41] - Conclusion & Key TakeawaysThis Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow James Lynch Socials:LinkedIn: https://www.linkedin.com/in/jameshlynch/?originalSubdomain=ukWebsite: http://www.thetitlesplitconsultant.co.uk/Instagram (Company): https://www.instagram.com/thetitlesplitconsultant/?hl=enFollow This Property Life Podcast on Socials:Website: https://thispropertylife.co.uk/ Facebook: https://www.facebook.com/profile.php?id=61564457166712&locale=en_GB Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ LinkedIn: https://www.linkedin.com/company/this-property-life-podcast/about/ YouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg  Hosted on Acast. See acast.com/privacy for more information.

Ready to unlock your Property Investment game in 2025? Grab your FREE copy of our Buy-to-Let market guide today! https://bit.ly/buy-to-let-hotspots-guide-2025 ——————————————————————In this episode, Nick and Caroline kick off a special four-part series, "The 4 Uncontrollables of Property Development”. Today’s focus is on building control as they unpack their recent experience developing a boutique hotel in Edinburgh, highlighting how inconsistent enforcement, regional differences, and bureaucratic inefficiencies can significantly impact property projects. What You'll Learn:The difference between building control and planning permission, and why many developers overlook the former.How regulations and expectations around fire safety, construction methods, and building materials vary between England and Scotland.Key lessons from their own Edinburgh townhouse conversion, including what went wrong and what they would do differently.The vital importance of documenting construction work for building control sign-off.Practical tips for mitigating risk and managing building control challenges proactively.Timestamps[00:00] - Introduction[02:35] - Overview Of The Four-Part Series[04:26] - Defining ‘Uncontrollables’ in Property[07:36] - Building Control vs Planning: What’s the Difference?[08:56] - England vs Scotland: Different Systems, Different Outcomes [12:50] - The Building Warrant Process in Scotland[23:05] - Fire Safety Obsession & Miscommunication[33:18] - Dealing with Retrospective Compliance[43:20] - Lessons Learned: What They’d Do Differently[51:44] - Final Thoughts & What’s Next in the SeriesThis Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Caroline Claydon Socials:Instagram: https://www.instagram.com/carolineclaydon.property/  LinkedIn: https://www.linkedin.com/in/caroline-claydon-property   Website: https://www.carolineclaydon.com/ Follow This Property Life Podcast on Socials:Website: https://thispropertylife.co.uk/ Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ YouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg  Hosted on Acast. See acast.com/privacy for more information.