The Progressive Property Podcast

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ If you are hungry, ambitious and want the smoothest start possible in your property journey, then this is for you. One mistake in property can set you back years. As someone who has built a successful portfolio, replaced his income and has coached 1000s of new property professionals, this is my list of the top five mistakes new starters make when starting in property. If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS Counterintuitively low-ball offers kill great deals. Exactly why that is and what you should be doing instead is explained in full. The best investors buy on numbers and due diligence, not emotion – ugly but profitable beats pretty and pointless, every time. Education isn’t optional: learning from experienced mentors lets you sidestep years of costly trial and error. Your environment is destiny; if the people you surround yourself with have no ambition, they’ll drag you back down when you try to grow. Sustained action turns a painfully slow start into a business that almost runs on its own. BEST MOMENTS  “You will only get paid in proportion to the value that you provide. If you can provide more value by helping that person with their problem, then you're going to get a really good deal.” “Numbers are rational. Feelings are emotional, so you need to buy based on numbers and due diligence and not how you feel about the property.” “If you think education is expensive, try ignorance.” “You become your environment.” “Knowledge, accompanied with appropriate consistent action leads to success.” VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ For property businesses, 2026 is a noisy year – shiny regeneration schemes, hot new coins, “next big thing” strategies are everywhere, so deciding which direction to go in, is very difficult. Today, Mark cuts through that noise by answering the question he gets asked most: If he had to start again from scratch today, what would he actually do?   He breaks down why he’d still buy simple single lets, move quickly into higher‑end HMOs and blocks, avoid the fads, and use development, debt, and daily habits to build a safer, scalable, more profitable portfolio that survives all kinds of regulation, tax, and market cycles. If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS Blend what you already know, what you’re good at and what you enjoy - but make sure every strategy and deal is ruthlessly profitable.   Ignore the shiny penny stuff. Buy unloved assets in real demand areas, force the value through refurb, conversions, and better operations, then hold them.   Leverage the efficiency of owning and running larger assets e.g. a block of flats, HMOs, or co-living spaces. Carry on learning, networking, and improving efficiency. Spread your income across different assets, areas, and deal types, so when tax, regulation, or the market changes negatively for one sector, the rest of your portfolio keeps you afloat.  Build your track record first with smaller wins you can document, then use that evidence to raise JV and private capital on better terms.   Take on sensible debt to build up good assets, let inflation erode that debt, but don´t borrow so much that a downturn can wipe you out.  Take full advantage of the impact of compounding interest. BEST MOMENTS  "Lots of people say, Oh, you just need to follow your passion and follow your dreams. Well, I don't think it's quite that simple."  "Ignore all of the shiny Penny regeneration programmes in property."  "Over the long run, it means that you can't fail, and you'll get richer and richer."  "Too many people think that wealth building is all about finding that one thing that will make you rich. The reality is that it is about developing yourself and developing 1000 daily habits."   VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Today Sean visits Kensington, the wealthiest borough in the UK, where million‑pound homes are standard and property prices sit at around ten times the national average. On the streets of West London, he stops everyday people who already live in the area to ask a simple but pressing question: how does anyone get onto the UK property ladder now? You might be surprised by some of the answers he got. Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS Without the “Bank of Mum and Dad,” the ladder has basically been pulled up for many young people. In London, a 5–10% deposit might as well be a million – normal wages can’t keep up. In Kensington, properties are often in the millions, which means you’re looking at deposits of at least £100,000.  Foreign money and bad policy have turned homes into assets first, shelter second – especially in high‑priced places like London. As a generational investment, property still wins long term - but the game is now stacked against most people. Yet, with the right knowledge, strategies, and a pragmatic approach, some are still finding a way through and becoming owners.  Until we fix tax, planning, and incentives, we’re raising a generation of permanent renters. BEST MOMENTS “If only it was just about working harder. It's about having the right knowledge and strategies to be able to go from a standing start to building long term wealth that will benefit generations to come.” "It is difficult, but I saved for 20 years before I actually bought somewhere,  you just got to do it."  "It literally has taken me to have my own company in order to get that deposit together."  "We have condemned generations of children not to be property owners or to be slaves to a system."  VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.  CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ 2026 has kicked off with fear, headlines, and a very soft market – but also some of the best buying conditions Mark has seen in years. In this episode, he breaks down what’s really happening across the UK property market: London’s slow‑motion crash, why the Midlands and North are holding firm, and how the Renters’ Rights Act and higher taxes are quietly reshaping the game for landlords.  He reveals where the real value is right now for investors, developers, and landlords, how to use falling interest rates and rising incomes to your advantage, and why this “weak” market is exactly when serious investors should be buying, not selling.  If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS The UK market is fragmented. Prime central London has been in a slow‑motion correction, with falls of 30%+ over 10 years. While the Midlands and North still stack up on yield and even trade below rebuild cost.  Focus your buying on high‑yield, real‑demand areas first, and be highly selective if you buy in the softened prime areas of London. The Renters’ Rights Act and extra regulation will push out smaller landlords, tighten supply, and keep rents rising. Hoover up the stock smaller landlords are dumping that stacks up compliance-wise. Don’t panic, and sell solid, high‑yield assets - use this weak market to add to your portfolio over the long-term.  Interest rates are easing, incomes are up, and affordability is set to gradually improve. Lock in good deals now, let inflation quietly reduce your debt, and ride the capital growth when confidence returns.  BEST MOMENTS  "You should be holding and using the weak market to increase your portfolio. That's what we're doing.” "I think there's still genuine, below market value stuff to buy, for flipping and for landlords to refurb. So, I think it's a great time to buy."  "Inflation erodes. Inflation actually destroys and reduces your mortgage." "You can't really reliably predict when capital growth is going to come. You just know it will do over the long run." “You'll be able to buy lots of rental properties from landlords exiting.” VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.  CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ In this high pace episode, Mark Homer lays out his no-nonsense predictions for the UK property market in 2026. He covers where he thinks the real growth will be (and where it won’t) for both residential and commercial properties, why the Midlands and the North are !likely to beat London for profits, and how the Renters Reform Act, EPC rules and tax changes will actually hit landlords and developers on the ground.  If you’re serious about making money from property - whether that´s using HMOs, buy-to-lets, industrial or small-scale developments - this episode will help you to see what’s coming, where the opportunities are, and how to stay profitable in spite of the chaotic rate of change we are experiencing. If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast   KEY TAKEAWAYS ·      Focus on buying stuff that stacks in today´s market - Properties that generate solid yields and cash flow, rather than chasing speculative capital growth. ·      Consider shifting capital out of over‑taxed London and into stronger‑yielding Midlands and Northern markets and carefully selected industrial developments. ·      Treat Renters Reform and the loss of Section 21 as a given – tighten your paperwork, ASTs, and evidence so you can still deal with problem tenants. ·      Use 2026–2030 to get your stock to EPC C as cheaply and intelligently as possible. ·      The right EPC assessor is worth their weight in gold. ·      Despite the high levels of political and legislative change, the realities of supply and demand will exert themselves. So, those landlords and developers who adapt their strategy will remain profitable, regardless. BEST MOMENTS  "Even Starmer and Rachel from accounts can't beat the market. They cannot beat the supply and demand curve."  " In order to get builders building again, and investors investing, capital values and rents need to go up in order to make projects viable."  "I think capital growth probably will come back to something like four or 5% that's assuming that Bank of England base rate drops maybe half a percent by the end of 2026."  VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey.   ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.  CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty   This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.o.uk/

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ Today, Kevin shares some of his harshest social media attacks he’s had as a landlord and educator – from being called “a leech” and a “cartoon supervillain” to demands that landlords be dumped on a desert island. He picks apart the criticisms, digs into the myths around how landlords actually operate, and explains what most people get wrong about rent, mortgages, and profit. Kevin demonstrate how small landlords are being scapegoated while big institutions quietly snap up housing – and why that matters. He shares his journey from years of debt to building his property portfolio , and how ordinary people can use his creative low‑cash down strategies to do the same. If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS Social media hate for landlords is loud, but demand for decent rental homes is louder. Landlords aren´t going anywhere. “Rent is not profit.” Rising costs mean most small landlords are fighting tight margins, rather than getting rich off tenants. When small landlords sell up, big institutions hoover up their properties – not first-time buyers. These massive landlords will eventually turn the screws on tenants. The pressure on property in the UK is largely due to short sighted government policies, over regulation, rising tax and lack of supply, not landlords. Turbulent markets create opportunities. With the right education and creative “no money down” strategies, this is your moment to get in the room and start building multiple streams of property income, by providing the homes people desperately need. BEST MOMENTS “If you got a pound on you, you have a future in property.” "If you stopped bashing the landlords and start asking them the right questions, you might have a positive impact on your life." " With no money down thinking you can build a portfolio." Secure your spot at the Multiple Streams of Property Income Event — learn the proven strategies that will protect your investments, outsmart these new taxes, and build unstoppable cash flow. Don’t let uncertainty hold you back, sign up here - https://www.progressiveproperty.co.uk VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom. CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ Get ready for the most sweeping tax changes in years. This week, Mark unpacks the new government budget. With fresh surcharges on property and investment income, tighter pension rules, and unprecedented council tax hikes for high-value homes, property owners and entrepreneurs alike are facing an entirely new landscape. Mark breaks down what these tax changes actually mean for your business, your investments, and your next moves. Discover how the latest policies could affect your portfolio, which reliefs and thresholds really matter now, and why this budget is sending shockwaves through the property world. Don’t wait for the fallout, be ready to take advantage of it. If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS This budget is the harshest attack yet on wealth creators and property investors - expect tighter margins and fewer incentives - but don´t miss out, turbulent markets = big opportunities. Tax hikes are everywhere: 2% surcharges on investment income, new high-value council tax, slashed capital allowances, and frozen thresholds stealthily take more of your money. Don’t let “fiscal drag” fool you: your overall tax bill will climb even without a headline hike. The luxury property market is very much in the crosshairs. New bandings and surcharges are coming for high-value homes. Cash ISAs just got squeezed. The number of stealth taxes is increasing year after year. The government is enforcing the highest tax levels ever seen. Entrepreneurs are leaving for friendlier shores. Uncertain markets mean motivated sellers and deals for those ready to move. BEST MOMENTS “Market uncertainty has made the market very soft, so I would use it to your advantage. Bid hard to get more deals, because I think there's more and more available." "This budget marks a new high. We are now at the highest tax level ever." “Their tax base, the number of people paying it is reducing, and we can see the effect of this doom loop that has been going on, especially since the last budget.” Secure your spot at the Multiple Streams of Property Income event —learn the proven strategies that will protect your investments, outsmart these new taxes, and build unstoppable cash flow. Don’t let uncertainty hold you back, sign up here - https://www.progressiveproperty.co.uk VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: ⁠https://www.linkedin.com/in/markhomer1⁠ Facebook: ⁠https://www.facebook.com/markprogressive⁠ Twitter: ⁠https://twitter.com/markprogressive⁠ This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ In today's episode, Sean speaks to Matt Clark, who went from being homeless and living in a tent to owning a £3.4 million property portfolio. Matt's story is really inspirational, and if this doesn't motivate you to be successful no matter your circumstances, then I don't know what will - let's dive right in. If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS Progressive Property courses, especially Buy, Refurbish, Rent (BRR), were pivotal for Matt’s transformation—equipping him with new strategies, confidence, and a supportive network that enabled rapid growth after experiencing failure and homelessness. Learn to maximise the value of each deal. Matt leveraged the BRR strategy to buy undervalued properties, renovate them to create equity, and refinance to reinvest. He added bedrooms and split rooms to what he made at every stage. Matt’s journey shows that you don’t need your own money to attract investors. He secured funding for major property deals by using Progressive to put himself around the right people, demonstrating passion, work ethic, and having a solid plan. You can potentially start with nothing and use other people´s money. With the right mindset, support and up to date training anyone can overcome setbacks and achieve success in property investing. BEST MOMENTS  "I basically ended up being homeless… quite a brutal experience."  "My portfolio, at the moment, generates about £11.5k cash flow a month. The value of it (Matt´s portfolio) is £3.4 million."  "It´s made a big change coming to Progressive and always will do because they always keeping moving forward, keep coming up with and using different ideas."  “Business is great, especially for cash flow, but you also need assets as well to help future proof yourself and your family.” VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty/ https://kevinmcdonnell.co.uk/ TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty/ Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ HMRC is cracking down harder. They are hiring 1000s more staff and using AI tools and data mining in their investigations, which is catching a lot of property professionals out. Today, Sean deep dives into the subject, so you don't have to. He explains what HMRC¨s new surveillance system is, how it is going to potentially impact your business, and what you can do in your business to survive the onslaught and thrive. If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS HMRC is massively stepping up their game. HMRC´s Connect system scans everything—your property deals, bank moves, whether you drive an expensive car, even your socials. The era of low scrutiny is over. Assume HMRC sees it all. People are getting caught - particularly property investors. Sean shares several eye-watering real-world examples. Audit yourself before HMRC does. Digitize everything and keep your accounts clean. The system already knows, hiding it doesn't make it invisible. It just makes it suspicious, and you'll receive a larger penalty when the Connect system finds out. The smart property professional adapts and keeps growing. They know that tax follows profit and profit follows structure. BEST MOMENTS "HMRC are cracking down even harder on monitoring our income." "(HMRC Connect) can cross-check your income with your lifestyle, your mortgage, your company filings, your personal bank accounts. You can't outsmart it." "Property investors, we're the easiest targets. Why? Because we leave footprints everywhere, every deal, every mortgage, every tenancy. There's nowhere to hide." EPISODE RESOURCES SSAS episode - https://podcasts.apple.com/gb/podcast/how-to-find-new-sources-of-money-for-your-property/id1176574597?i=1000732731927 UK rent prices - https://podcasts.apple.com/gb/podcast/the-harsh-truth-about-uk-rent-prices-in-2025/id1176574597?i=1000725621585 VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom. CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty/ https://kevinmcdonnell.co.uk/ TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty/ Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf Vito’s story proves how powerful Progressive Property’s training is. After 25 years as an estate agent, Vito realised he actually knew nothing about property. With Progressive he discovered creative investment strategies, tripled his property deals in just five years, and bounced back from major setbacks with the help of mentorship from Kevin McDonald and the Progressive team.  Now a thriving investor and mentor himself, Vito reveals how anyone can transform their results—when they take action and follow the right guidance.  If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast   KEY TAKEAWAYS ·       You can spend decades in property and still miss the real opportunities, until someone shows you a better way -  like Progressive did for Vito. ·       Being your own boss isn’t enough to gain financial and personal freedom. You need to learn how to build lasting wealth which is what Progressive teaches. ·       Guidance from experts who were still doing what they taught, coupled with accountability and the support of his mentor, helped Vito work through setbacks, doubt, and industry upheaval. ·       Vito learned more in 5 years than in had in his previous 25 years of working in property. Using deal packaging, vendor finance, lease options, and exchange with delayed completion, he recovered all his losses and is now doing deals worth millions. ·       Anyone can do deal packaging and do it from anywhere. BEST MOMENTS  “I’ve only learned how to do property investing properly in the last 5 years - when I joined Progressive." “These are some of the deals that I've actually now done in 5  years - I'd never done any of them in 25 or 30 years.” “You can do deal packaging from absolutely anywhere.” "Take a leap of faith … get trained properly, get mentored properly - then just do it.”   VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk   ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey.   ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty   This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Become part of the Progressive Property refer-a-friend scheme and earn up to £250 when someone attends one of our events – enrol here: https://www.progressiveproperty.co.uk/raf Today, Kevin is joined by Kevin Whelan, an economist, author and founder of Wealth Builders, one of the UK's leading experts and authorities on SSAS pensions. He is the only Progressive approved partner for all pension matters in the UK. Kevin has helped raise hundreds of millions in private finance including for hundreds of members within the Progressive Property community. Kevin explains how to find new sources of money for your property deals, in particular, using SSAS. If you want to take the next step and put what you have learned from this podcast into action, just click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS SSAS pensions empower individuals and families to take control of their pension pots, actively grow wealth, and plan for future generations. They offer far more flexibility, collaboration, and tax efficiency than traditional public or private pensions. Up to 50% of an SSAS pension pot can be loaned back to your own company for investment (including property). You can also lend to others. Public and private pensions are far more at risk than people realise. You can use a SSAS in 3 ways to minimise the impact of Inheritance Tax. BEST MOMENTS "It´s gone up a million quid in eight years through SaaS." "Check this out - this can be a game changer, not just for your life, but the lives of the next generation." “When you put a number of pots together, you get more buying power, which means you've got more deal-making creativity at your disposal." “I set up a SaaS because I could take back control.” “Your own wealth is protecting itself.” EPISODE RESOURCES Click here to receive the Free SSAS Pension resources from WealthBuilders: https://www.wealthbuilders.co.uk/progressive-podcast Website - https://www.wealthbuilders.co.uk/ Kevin's LinkedIn - https://www.linkedin.com/in/kevinjwhelan/ WealthBuilders Facebook - https://www.facebook.com/WealthbuildersUK WealthBuilders Instagram - https://www.instagram.com/wealthbuilderstogether/ WealthBuilders LinkedIn - https://www.linkedin.com/company/wealthbuilderstogether WealthBuilders YouTube - https://www.youtube.com/@wealthbuildersuk VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom. CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty/ https://kevinmcdonnell.co.uk TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk

https://www.progressiveproperty.co.uk/raf/ One of Kevin’s most asked questions is how to add value to a rental property, in this episode he explores various ways you can do this including 5 fundamentals you need to focus on. KEY TAKEAWAYS Buy something where you know you can add value, where there is space for improvements, particularly focusing on the kitchen and bathroom. Probably one of the most effective ways to add value is to think about the internal layout of the property and how you can make this work better and more valuable. E.g turning a 2 bed into a 3 bed house; this can add up to 25% of the equity. Carpets and decoration are the final two touches for every room in the property that adds value. Loft conversions and basement conversions can add significant value to a property, especially in cities.  BEST MOMENTS “Nice bathrooms, nice kitchens, they’re going to give you highest impact on value and highest impact on rental income” “You don’t have to spend a huge amount of money” VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom. CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty/ https://kevinmcdonnell.co.uk/ TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty/ Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

https://www.progressiveproperty.co.uk/raf/ What if everything you know about finding property deals is wrong? Today, Sean talks to a man who actively breaks the systems you already know and likely use. Guillaume Black is a property investor who got so frustrated searching for deals that he sat down and analysed 1000s of them and uncovered the hidden patterns. He then built an app called Property Finder to supercharge the process of uncovering viable deals that are normally missed.  Guillaume and Sean discuss how to boost your income through property, how to stop wasting your time on dead-end deals, and streamline your deal finding process. KEY TAKEAWAYS Focus on motivated sellers to increase the likelihood of securing favourable deals. Build a consistent lead generation system rather than relying on random or scattergun approaches. Momentum matters. Don´t assume the seller will say no. Make your offer and let them say yes or no. Don´t get emotionally attached to individual properties, always prioritise your bottom line. Learn from the wider property community through events, podcasts and networking. Use the right tools. Guillaume explains how his app, that is Progressive approved, works. Ignore the asking price and focus on offers that work for your numbers. Explore creative deal structures e.g. assisted sales and flips. Continually educate yourself and adapt. BEST MOMENTS  “There are people out there with money that want to get their money working, and they're looking for you.” “Building bridges, connections with contacts, with people, growing a network. Once those foundations are laid, all of a sudden the deals start happening."  "It´s easy, but it´s not simple. You need to be consistent."  “People do have the stickability to make it happen. It's just that they make it happen for somebody else instead of for themselves.” “Deals are made, not found.” EPISODE RESOURCES https://property-filter.co.uk https://www.amazon.co.uk/Go-No-Yes-Destination-There/dp/B00LNI1RUU VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty/ https://kevinmcdonnell.co.uk/ TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty/ Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

https://www.progressiveproperty.co.uk/raf/ Rob Caswell’s journey demonstrates the rapid results possible through Progressive Property’s training. In just two months after starting, he began profiting from his property investment. Within four months, he had a portfolio of six profitable properties. All achieved by working with Kevin and the No Money Down team, taking action and sticking to the plan. If you want to see how to do the same, listen in. KEY TAKEAWAYS Working for someone else means you are working hard to build someone else`s dream. You are not in control, which is soul destroying. Instead, work for yourself, and don´t give up until you succeed. The mentorship, community, and accountability provided by Progressive were crucial in overcoming self-doubt and external negativity. This enabled Rob to stay motivated and focused. Working full time does not mean you can´t profit from property. Rob started while working. The methods Progressive teaches work just as well for absolute beginners who still need a job to pay their bills as they do for seasoned investors looking for new ways to profit. Rob successfully implemented several strategies including: no money down purchases, rent-to-rent, purchase lease options and direct-to-vendor marketing methods. As Progressive develops new methods, he plans to implement those, too. You don´t need money to get started or a lot of spare time. BEST MOMENTS “My first deal was literally, absolutely no money down.” “I used the tenant's money - the first month's rent - to pay for the furnishings.” "There are so many deals out there." “You are around people, watching these deals happen around the table in front of you right at the start of your mentorship.” "Get started. Put your best foot forward. The answer is yes. Figure it out later." "Get some training. First and foremost, don’t walk into it blind, get a mentor. The mentor is absolutely key." EPISODE RESOURCES https://www.amazon.co.uk/Money-Know-More-Make-More/dp/B0721R2QZP VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom. CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty/ https://kevinmcdonnell.co.uk/ TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty/ Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

https://www.progressiveproperty.co.uk/raf/ Your property portfolio is facing its biggest threat in a decade, and it's coming directly from the government. Today, Sean talks to Kevin McDonnell, who teaches 1000s of property professionals how to protect and grow their portfolios. He's a seasoned investor who's dissecting the government's next potential moves on property tax. Kevin and Sean break down the proposed seismic shifts in stamp duty and what they mean for you and your next purchase, the potential overhaul of capital gains tax and the rumoured new annual tax for property owners that could impact your cash flow. Stay tuned to the end as Kevin reveals the hidden opportunity and the surprising upside for savvy investors. KEY TAKEAWAYS The changes will lead to seismic changes especially if they eliminate stamp duty and introduce a National Property tax. Including the prices of cheapest properties soaring, so get in early. Be alert to opportunities created by market fear and uncertainty. When others are hesitant, there are bargains to be found. Understand all of the proposed changes : Stamp Duty, Capital Gains, National Property Tax and National Insurance for Landlords. Surround yourself with knowledgeable people and experts that can help you make informed decisions and rework your strategies. Attend educational events, such as Progressive´s free "Multiple Streams of Property Income" event to learn how to protect and grow your portfolio in a changing tax environment. Investigate the possibility of purchasing investment properties through limited companies. This could mitigate the impact of new taxes that target personally owned buy-to-lets. Consider buying before the proposed changes take effect. Focus on long-term strategies rather than short-term gains. BEST MOMENTS "It's all about having the knowledge and the people around you that will teach you how to do this stuff right." "We're running a Multiple free Streams of Property Income event soon. It's specifically around the things that are happening now … Come and learn about how to protect themselves when this stuff happens." "Get those cheap properties snapped up….Whilst this window is open, it's time to make hay." VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom. CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty/ https://kevinmcdonnell.co.uk/ TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty/ Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

https://www.progressiveproperty.co.uk/raf/ Right now, the UK property market is in the middle of a serious storm and whether you're a landlord or a tenant, it's about to get a whole lot worse for those who don't have the right knowledge.  So make sure you stick around till the end of the episode to find out exactly how you can not only weather this storm but turn it into the opportunity of a lifetime. Sean explains how we got into such a mess, why The Renters Bill will make rents increase further, and most importantly how to turn that impending crisis into an opportunity that will benefit both you and your tenants. KEY TAKEAWAYS   Despite the challenges, there are significant opportunities for savvy property investors willing to learn new strategies and navigate the changing landscape. ·      Government policies, e.g. Section 24 and the tenant fee ban, combined with higher overheads squeezed small landlords, forcing them to raise rents or leave the market. ·      The new Renter’s Rights Bill is designed to protect tenants, but it is also likely to push rents higher. Landlords will not be able to absorb all of the costs related to compliance. ·      Abolishing “no fault” evictions is making renting riskier for property owners, so many are leaving the market. ·      You can step in and buy as landlords leave the market and apply the new strategies that you learn from Progressive to create win-win deals. ·      Increasing the number of responsible landlords is key to balancing the market and easing rent pressures for tenants. BEST MOMENTS “Since 2010 rental prices have shot up by 90% across the country. This is totally unprecedented.” “It's a huge opportunity coming up right now. If you're not in, you can't win.” “If we can bring rent down by increasing supply, by increasing the number of landlords, then we create win-win situations for everyone.” “You can learn these strategies at Progressive property trainings. Once you know what you're doing and you know how to navigate that bill (Renter´s Rights), you can set up your properties and do win-win deals.” VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk   ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey.   ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.     CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty/ https://kevinmcdonnell.co.uk/ TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty/ Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty   This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

https://www.progressiveproperty.co.uk/raf/ From carpenter to property developer. Matt Hawes shares how he transformed his mindset and life through Progressive Property’s education and community. After years of building for others and being held back from becoming a developer by a lack of finances, Matt solved the problem. Progressive taught him creative strategies, such as vendor financing, assisted sales, and the buy-refurbish-refinance method. He reveals how these no-money-down and money recycling financing techniques—and the support of the Progressive network—helped him raise £500,000 from an investor, complete major developments, and continue to unlock new opportunities. KEY TAKEAWAYS For years, Matt worked on the tools before securing a construction project management degree and managing massive projects. Yet, he still could not make property development work for him. What he learned with Progressive and the connections he made via them is what ultimately enabled him to succeed. Matt talks about 10 of the financing and property development methods Progressive taught him. He shares which ones are currently working best for him and exactly how he uses them. Mentorship, networking, and being open to new property development strategies are key for success. All of which Matt gets with Progressive. BEST MOMENTS "I've taken a £500,000 building and made it worth the best part of a million." "Vendor finance - it's a crazy concept where the person selling your house could actually lend you some of the money to buy the house." “The finance was holding me back. After coming to Progressive and learning a bit about raising finance, I managed to raise half a million pounds on one of the first phone calls.” "I really liked it when I found Progressive, it just felt a lot more like a family. More like a cohesive network." “If you're someone who doesn't have the funds, you can come to a place like Progressive, learn how to meet and speak to investors, network with people and joint venture with them.” VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Investing talks about how to control and cash flow other people’s property to create financial freedom. CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty/ https://kevinmcdonnell.co.uk/ TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty/ Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

What exactly is inflation and why is it important to us as the general public but also as property investors? Kev explores these questions and gives straight forward, unbiased, and honest answers and talks about the real reasons why more billionaires are created in a crash than at any other time. KEY TAKEAWAYS  The measuring of inflation isn’t always that accurate. It’s not just about the goods you buy in a supermarket but everything in the economy that requires currency to exchange hands. In the past couple of years wages are simply not high enough to keep up with inflation, even the government is looking at increasing public sector wages by 6%, which is still way below the rate of inflation. Right now you can enter the property market for less, there are unique opportunities out there for investors. Buy to let investors have always had to buy with a higher deposit, if you have the cash you can invest as long as you stress test yourself. Property prices are going to come down, there will be many repossessions including rental properties. The amateur investors who overleveraged and did not plan will be the ones who suffer. It’s the ones that need to sell and that you can help where you will make money. BEST MOMENTS   “Inflation is simply the buying power of money” “Does increasing interest rates help solve the inflation problem? Yes to a point but not like it used to” “Will every landlord have future proffed their portfolio like I did? Absolutely not” “More billionaires are created in a crash than any other time” VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk   ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.     CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty/ https://kevinmcdonnell.co.uk/ TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty/ Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty

Kevin and his team share the various tenant issues they have had over the years. They talk about how to defend yourself against bad tenants including why referencing isn’t always enough and reveal the worst tenants they have ever had to deal with. However, let this prepare you, not put you off property as Kevin and his team mostly deal with perfect tenants! KEY TAKEAWAYS  Nightmare tenants usually have a honeymoon period before showing their ‘true colours’ Alcohol, drugs and visitors are often the start of many issues. Referencing is key as a first defence against nightmare tenants. Landlords may not always be completely honest about current tenants as they want them to move. If you can find potential tenants on social media that can give you more information to decide on whether to rent to them. Dealing with aggressive tenants is one of the biggest challenges, especially in a HMO situation. You have to deal with bad tenants swiftly or you risk losing the good tenants. Don’t give bad tenants an inch or they will take a mile. You need to be fair but firm. Regular inspections can help you combat issues early. BEST MOMENTS   "Most tenants are great but there is always that nightmare tenant that appears every so often” “We use a referencing company, but you will always find a landlord reference doesn’t always reflect the truth” “We have over 300 tenancies and very rarely do we have a bad one” “That’s not really a bad tenant, that’s a tenant with a problem and we as landlords aren’t social workers” “If you don’t deal with the bad tenant quickly the good ones will leave” "Cat fleas are worse than cats" VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty/ https://kevinmcdonnell.co.uk/ TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty/ Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty

https://www.progressiveproperty.co.uk/raf/ Former journalists Erica and James share their journey building a property portfolio through Progressive Property's education and community. After experiencing redundancy and living in a camper van, they discovered no-money-down strategies, rent-to-rent deals, and HMOs. Their story reveals how they transformed from traditional buy-to-let investors into creative property entrepreneurs, completing more deals in 12 months with Progressive than in five years before. They also share their mindset barriers, how to leverage other people's money and more! KEY TAKEAWAYS • Erica desperately wanted to give her money to property partners, while in the UAE, she actively sought people to invest with because she lacked local knowledge and emotional connection to oversee refurbishments herself. • James learned property's leverage advantage after going a year without pay. His experience of financial instability in journalism made him realise property offers unique access to banks' and investors' money that other investments don't provide. • After joining Progressive Property, their deal flow accelerated dramatically compared to their traditional approach of saving salaries for deposits. • Their first six months felt like failure, but built the foundation for their success. The initial period of following Kevin McDonald's steps without visible results was actually creating the network and credibility that led to four rent-to-rent properties. • James's mother quadrupled her income overnight using Progressive strategies, she attended MISA, converted a single let to HMO, then successfully moved into serviced accommodation, proving education works for experienced investors too. BEST MOMENTS "One of the reasons I've got into property is that idea of having an independent source of income that no one else can take away from you." "Don't jump out of your job before you've built your parachute…we were like, well, it's too late for that." "In sort of 12 months, we've done more deals than we did in the five years before that." VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom. CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty/ https://kevinmcdonnell.co.uk/ TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty/ Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/