The Business of Property

Stuart and Simon are reviewing the good, bad and entertaining feedback that Stuart recently received when renewing the HMO licence on one of his existing properties. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The discussion this week includes: * The crimes of Henry Hoover. * The case of the shrinking bedroom. * Growing requirements. * Storing up mould. * Moving walls. * Shower heating. * Find us on Twitter (https://twitter.com/BizOfProperty), YouTube (https://www.youtube.com/channel/UCRfrbvIJfodFK8tikisCjVw) or LinkedIn: Stuart (https://www.linkedin.com/in/stuartlordan/), Simon (https://www.linkedin.com/in/simonpither/). Subscribe to The Business of Property podcast on Spotify (https://open.spotify.com/show/73chI0Nqi9eRFUM7tkHc6r), iTunes (https://podcasts.apple.com/gb/podcast/the-business-of-property/id1495635728), and all podcast platforms (https://www.thebusinessofproperty.com/subscribe). Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Please leave us a rating and review if you're enjoying the show. This podcast is produced in association with PaTMa (https://www.patma.co.uk/), the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today (https://www.patma.co.uk/).

Simon and Stuart are debating the impacts, benefits and risks from the recent supreme court judgement on RRO liability. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The chat this week includes: * RRO judgement (https://www.supremecourt.uk/cases/uksc-2021-0188.html). * RRO articles (https://www.landlordzone.co.uk/news/breaking-supreme-court-rules-that-superior-landlords-not-liable-for-rros/). * Silicon Valley Bank collapse (https://monevator.com/weekend-reading-a-bank-blows-up/). * More SVB collapse details (https://stratechery.com/2023/the-death-of-silicon-valley-bank/). * Find us on Twitter (https://twitter.com/BizOfProperty), YouTube (https://www.youtube.com/channel/UCRfrbvIJfodFK8tikisCjVw) or LinkedIn: Stuart (https://www.linkedin.com/in/stuartlordan/), Simon (https://www.linkedin.com/in/simonpither/). Subscribe to The Business of Property podcast on Spotify (https://open.spotify.com/show/73chI0Nqi9eRFUM7tkHc6r), iTunes (https://podcasts.apple.com/gb/podcast/the-business-of-property/id1495635728), and all podcast platforms (https://www.thebusinessofproperty.com/subscribe). Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Please leave us a rating and review if you're enjoying the show. This podcast is produced in association with PaTMa (https://www.patma.co.uk/), the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today (https://www.patma.co.uk/).

Stuart and Simon are talking about some of the realities of rent-to-rent, as Stuart is bringing new leased properties into his portfolio. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The discussion this week includes: * Growing without buying. * Energy costs up by another 20%. * Being less capital intensive. * Why are landlords choosing to exit from (managing) their properties? * Stuart's current experience of onboarding rent-to-rent properties. * Find us on Twitter (https://twitter.com/BizOfProperty), YouTube (https://www.youtube.com/channel/UCRfrbvIJfodFK8tikisCjVw) or LinkedIn: Stuart (https://www.linkedin.com/in/stuartlordan/), Simon (https://www.linkedin.com/in/simonpither/). Subscribe to The Business of Property podcast on Spotify (https://open.spotify.com/show/73chI0Nqi9eRFUM7tkHc6r), iTunes (https://podcasts.apple.com/gb/podcast/the-business-of-property/id1495635728), and all podcast platforms (https://www.thebusinessofproperty.com/subscribe). Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Please leave us a rating and review if you're enjoying the show. This podcast is produced in association with PaTMa (https://www.patma.co.uk/), the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today (https://www.patma.co.uk/).

Simon and Stuart are asking the question "Why would anyone buy property this year?" based on the recent market forecast from Lloyds Bank and the latest PaTMa market data. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The chat this week includes: * https://twitter.com/HousePriceMania/status/1628822096045305856 * https://www.estateagenttoday.co.uk/breaking-news/2023/2/major-lender-warns-of-25-house-price-drop-in-downside-scenario * Why would anyone buy property this year? * "We could all be Chicken Little's" * Reviewing the latest property market data (https://www.patma.co.uk/property-prospector/features/market-updates/) from PaTMa. * Investing for the long term. * Choosing a market with smaller oscillations. * Property sales take a long time (there is a long lag in property data). * Find us on Twitter (https://twitter.com/BizOfProperty), YouTube (https://www.youtube.com/channel/UCRfrbvIJfodFK8tikisCjVw) or LinkedIn: Stuart (https://www.linkedin.com/in/stuartlordan/), Simon (https://www.linkedin.com/in/simonpither/). Subscribe to The Business of Property podcast on Spotify (https://open.spotify.com/show/73chI0Nqi9eRFUM7tkHc6r), iTunes (https://podcasts.apple.com/gb/podcast/the-business-of-property/id1495635728), and all podcast platforms (https://www.thebusinessofproperty.com/subscribe). Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Please leave us a rating and review if you're enjoying the show. This podcast is produced in association with PaTMa (https://www.patma.co.uk/), the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today (https://www.patma.co.uk/).

Stuart and Simon are talking about things to consider before making the jump to HMO investing (especially if coming from a BTL background). Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The discussion this week includes: * Thinking about HMOs instead of BTLs. * HMOs are more noisy. * Locations for HMOs. * Buy existing or convert. * To en-suite or not. * Licensing (and maybe planning). * Extra HMO compliance. * HMO running costs. * Cleaner spies! * Find us on Twitter (https://twitter.com/BizOfProperty), YouTube (https://www.youtube.com/channel/UCRfrbvIJfodFK8tikisCjVw) or LinkedIn: Stuart (https://www.linkedin.com/in/stuartlordan/), Simon (https://www.linkedin.com/in/simonpither/). Subscribe to The Business of Property podcast on Spotify (https://open.spotify.com/show/73chI0Nqi9eRFUM7tkHc6r), iTunes (https://podcasts.apple.com/gb/podcast/the-business-of-property/id1495635728), and all podcast platforms (https://www.thebusinessofproperty.com/subscribe). Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Please leave us a rating and review if you're enjoying the show. This podcast is produced in association with PaTMa (https://www.patma.co.uk/), the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today (https://www.patma.co.uk/).

We're joined by our mortgage expert to discuss the gradually stabilising mortgage market. Including our popular quick-fire round with the latest available mortgage interest rates. (This podcast is not advice, available rates vary by situation, always seek professional advice.) Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The chat this week includes: * Special guest - Mortgage broker Simon Glastonbury (https://www.jsiassociates.com/). * Have mortgage rates peaked? * What should you be doing about a pending rate expiry? * Are trackers still an attractive option? * How has stress testing changed and what does it mean for loan to values? * What's going on with 3% mortgage fees? * Quick fire current mortgage rates - home buyer, BTL and HMO. * Find us on Twitter (https://twitter.com/BizOfProperty), YouTube (https://www.youtube.com/channel/UCRfrbvIJfodFK8tikisCjVw) or LinkedIn: Stuart (https://www.linkedin.com/in/stuartlordan/), Simon (https://www.linkedin.com/in/simonpither/). Subscribe to The Business of Property podcast on Spotify (https://open.spotify.com/show/73chI0Nqi9eRFUM7tkHc6r), iTunes (https://podcasts.apple.com/gb/podcast/the-business-of-property/id1495635728), and all podcast platforms (https://www.thebusinessofproperty.com/subscribe). Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Please leave us a rating and review if you're enjoying the show. This podcast is produced in association with PaTMa (https://www.patma.co.uk/), the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today (https://www.patma.co.uk/). Special Guest: Simon Glastonbury.

Simon and Stuart are extending their conversation from last week around the financial effects on buy-to-let owners of changing mortgage interest rates - this time taking a look from a limited company point of view. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The discussion this week includes: * Bank of England base rate goes up. * Good news on mortgage interest rates. * Our effects of Section 24 and mortgage rates episode (https://www.thebusinessofproperty.com/166) from last week. * Imagining our re-mortgage scenarios from last week, in a limited company. * Comparing personal name property tax to limited company tax. * ...including dividend tax when extracting profits from a limited company. * Limited company tax spreadsheet: https://docs.google.com/spreadsheets/d/1UFtjeOAtpgqAZlaPyevfysVM600eJsSmc76UBUIgOkc/edit?usp=sharing * Falling HMO numbers: https://www.lettingagenttoday.co.uk/breaking-news/2023/2/hmo-numbers-falling-despite-need-for-more-rental-properties * Find us on Twitter (https://twitter.com/BizOfProperty), YouTube (https://www.youtube.com/channel/UCRfrbvIJfodFK8tikisCjVw) or LinkedIn: Stuart (https://www.linkedin.com/in/stuartlordan/), Simon (https://www.linkedin.com/in/simonpither/). Subscribe to The Business of Property podcast on Spotify (https://open.spotify.com/show/73chI0Nqi9eRFUM7tkHc6r), iTunes (https://podcasts.apple.com/gb/podcast/the-business-of-property/id1495635728), and all podcast platforms (https://www.thebusinessofproperty.com/subscribe). Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Please leave us a rating and review if you're enjoying the show. This podcast is produced in association with PaTMa (https://www.patma.co.uk/), the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today (https://www.patma.co.uk/).

Stuart and Simon are using the very real situation one of their BTL properties is in - to illustrate the dangers of rising mortgage interest rates combining with Section 24 tax. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The chat this week includes: * The very real impact of higher mortgage rates and Section 24 combining... * Simon's figures: https://docs.google.com/spreadsheets/d/1-Hd6Ooom9jfIVUEtacsgxSQ9PSDwT5fGOBAaQXcYBME/edit?usp=sharing * Over 50% tax rate * 101% tax rate! * Stuart's "interesting" commercial property financing. * Driving landlords out of the (BTL) market. * Will things shift enough to really help many new buyers? * Find us on Twitter (https://twitter.com/BizOfProperty), YouTube (https://www.youtube.com/channel/UCRfrbvIJfodFK8tikisCjVw) or LinkedIn: Stuart (https://www.linkedin.com/in/stuartlordan/), Simon (https://www.linkedin.com/in/simonpither/). Subscribe to The Business of Property podcast on Spotify (https://open.spotify.com/show/73chI0Nqi9eRFUM7tkHc6r), iTunes (https://podcasts.apple.com/gb/podcast/the-business-of-property/id1495635728), and all podcast platforms (https://www.thebusinessofproperty.com/subscribe). Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Please leave us a rating and review if you're enjoying the show. This podcast is produced in association with PaTMa (https://www.patma.co.uk/), the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today (https://www.patma.co.uk/).

Simon thinks it might be "fun" to make some property predictions for 2023 - listen in and get in touch to let us know if you agree! Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The discussion this week includes: * Do not base your financial future on our "for fun" predictions! * No prediction spoilers - you'll have to listen for our thoughts on: * Bank of England base rate. * Mortgage rates. * Property prices. * Find us on Twitter (https://twitter.com/BizOfProperty), YouTube (https://www.youtube.com/channel/UCRfrbvIJfodFK8tikisCjVw) or LinkedIn: Stuart (https://www.linkedin.com/in/stuartlordan/), Simon (https://www.linkedin.com/in/simonpither/). Subscribe to The Business of Property podcast on Spotify (https://open.spotify.com/show/73chI0Nqi9eRFUM7tkHc6r), iTunes (https://podcasts.apple.com/gb/podcast/the-business-of-property/id1495635728), and all podcast platforms (https://www.thebusinessofproperty.com/subscribe). Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Please leave us a rating and review if you're enjoying the show. This podcast is produced in association with PaTMa (https://www.patma.co.uk/), the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today (https://www.patma.co.uk/).

This week is all about how the property market is starting 2023, Simon and Stuart talk about prices, time to sell, mortgages and more. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The chat this week includes: * Highest boxing day listings! * How house prices have started the new year. * 80 days to sell. * A buyers/investors market. * ...or is it - mortgages! * Considering areas. * Property sourcers/sourcing. * BMV in a falling market. * Find us on Twitter (https://twitter.com/BizOfProperty), YouTube (https://www.youtube.com/channel/UCRfrbvIJfodFK8tikisCjVw) or LinkedIn: Stuart (https://www.linkedin.com/in/stuartlordan/), Simon (https://www.linkedin.com/in/simonpither/). Subscribe to The Business of Property podcast on Spotify (https://open.spotify.com/show/73chI0Nqi9eRFUM7tkHc6r), iTunes (https://podcasts.apple.com/gb/podcast/the-business-of-property/id1495635728), and all podcast platforms (https://www.thebusinessofproperty.com/subscribe). Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Please leave us a rating and review if you're enjoying the show. This podcast is produced in association with PaTMa (https://www.patma.co.uk/), the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today (https://www.patma.co.uk/).

Stuart and Simon are talking about some of the key finances in all property businesses - rents and agent fees. Plus still thinking about cash flow and how other major expenses breakdown. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The discussion this week includes: * Do you have a forecast profit figure for the year ahead? * EBITDA. * Finding the current market rent (with PaTMa). * Letting agent fees. * Cash flow forecasting. * Headline breakdown of Stuart's property business expenses. * Find us on Twitter (https://twitter.com/BizOfProperty), YouTube (https://www.youtube.com/channel/UCRfrbvIJfodFK8tikisCjVw) or LinkedIn: Stuart (https://www.linkedin.com/in/stuartlordan/), Simon (https://www.linkedin.com/in/simonpither/). Subscribe to The Business of Property podcast on Spotify (https://open.spotify.com/show/73chI0Nqi9eRFUM7tkHc6r), iTunes (https://podcasts.apple.com/gb/podcast/the-business-of-property/id1495635728), and all podcast platforms (https://www.thebusinessofproperty.com/subscribe). Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Please leave us a rating and review if you're enjoying the show. This podcast is produced in association with PaTMa (https://www.patma.co.uk/), the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today (https://www.patma.co.uk/).

Starting 2023, Simon and Stuart are thinking about how to be prepared for some of the potential headwinds facing landlords. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The chat this week includes: * Welcome to 2023! * Cash flow. * Mortgage finance costs. * Track your fixed rate mortgage dates - use a calendar, spreadsheet, or PaTMa. * Talk to a mortgage broker early. * Energy costs. * Solar panels on rented property. * Smart meters. * Going beyond EPC. * Considering pre-EPC assessments. * Tax. * Changes to Making Tax Digital (MTD) (https://www.patma.co.uk/docs/manager/features/making-tax-digital/). * Section 24 tax (https://www.patma.co.uk/docs/glossary/section-24/) - try the PaTMa quick calculator (https://app.patma.co.uk/prospector/property-profit-and-yield-calculator/). * Speak to your/an accountant. * Find us on Twitter (https://twitter.com/BizOfProperty), YouTube (https://www.youtube.com/channel/UCRfrbvIJfodFK8tikisCjVw) or LinkedIn: Stuart (https://www.linkedin.com/in/stuartlordan/), Simon (https://www.linkedin.com/in/simonpither/). Subscribe to The Business of Property podcast on Spotify (https://open.spotify.com/show/73chI0Nqi9eRFUM7tkHc6r), iTunes (https://podcasts.apple.com/gb/podcast/the-business-of-property/id1495635728), and all podcast platforms (https://www.thebusinessofproperty.com/subscribe). Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Please leave us a rating and review if you're enjoying the show. This podcast is produced in association with PaTMa (https://www.patma.co.uk/), the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today (https://www.patma.co.uk/).

To review the eventful year of 2022, Stuart and Simon each choose a word to encapsulate their property journey! Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The discussion this week includes: * Our words of 2022. * What went well in 2022. * Biggest learnings from 2022. * Considering our words for 2023. * Find us on Twitter (https://twitter.com/BizOfProperty), YouTube (https://www.youtube.com/channel/UCRfrbvIJfodFK8tikisCjVw) or LinkedIn: Stuart (https://www.linkedin.com/in/stuartlordan/), Simon (https://www.linkedin.com/in/simonpither/). Subscribe to The Business of Property podcast on Spotify (https://open.spotify.com/show/73chI0Nqi9eRFUM7tkHc6r), iTunes (https://podcasts.apple.com/gb/podcast/the-business-of-property/id1495635728), and all podcast platforms (https://www.thebusinessofproperty.com/subscribe). Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Please leave us a rating and review if you're enjoying the show. This podcast is produced in association with PaTMa (https://www.patma.co.uk/), the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today (https://www.patma.co.uk/).

Simon and Stuart both have refurbishment projects in progress at the moment and are chatting about how they're getting them started. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The chat this week includes: * Two refurbishment projects. * Builder planning months in advance. * Vs slightly later planning! * The story so far on Simon's refurb. * Planning refurbs in spreadsheets. * Building relationships with builders. * Defining "good" - with your own language. * The quality of toilet seats. * Find us on Twitter (https://twitter.com/BizOfProperty), YouTube (https://www.youtube.com/channel/UCRfrbvIJfodFK8tikisCjVw) or LinkedIn: Stuart (https://www.linkedin.com/in/stuartlordan/), Simon (https://www.linkedin.com/in/simonpither/). Subscribe to The Business of Property podcast on Spotify (https://open.spotify.com/show/73chI0Nqi9eRFUM7tkHc6r), iTunes (https://podcasts.apple.com/gb/podcast/the-business-of-property/id1495635728), and all podcast platforms (https://www.thebusinessofproperty.com/subscribe). Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Please leave us a rating and review if you're enjoying the show. This podcast is produced in association with PaTMa (https://www.patma.co.uk/), the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today (https://www.patma.co.uk/).

Stuart and Simon are chatting about movements in the rental market, and managing the process of changing rents for existing tenancies. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The discussion this week includes: * "The press" are always a bit behind what's actually happening in the rental market. * Rents are currently a bit down - rental data (https://www.patma.co.uk/property-prospector/features/market-updates/) from PaTMa. * January will be a better measure. * Increasing rent to help tenants stay adjusted! * Inclusive energy caps. * From rent forgiveness to rent increases for survival, in just two years. * Practical issues with rent caps in shared houses. * Hoping tenants will take responsibility. * Inspire (https://www.inspirehomeautomation.co.uk/) heating controls. * Increasing rents across an entire HMO portfolio. * "Some may argue with their feet." * Simon's planned increases. * The process of increasing a BTL rent. * The opposite of evil landlords! * Find us on Twitter (https://twitter.com/BizOfProperty), YouTube (https://www.youtube.com/channel/UCRfrbvIJfodFK8tikisCjVw) or LinkedIn: Stuart (https://www.linkedin.com/in/stuartlordan/), Simon (https://www.linkedin.com/in/simonpither/). Subscribe to The Business of Property podcast on Spotify (https://open.spotify.com/show/73chI0Nqi9eRFUM7tkHc6r), iTunes (https://podcasts.apple.com/gb/podcast/the-business-of-property/id1495635728), and all podcast platforms (https://www.thebusinessofproperty.com/subscribe). Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Please leave us a rating and review if you're enjoying the show. This podcast is produced in association with PaTMa (https://www.patma.co.uk/), the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today (https://www.patma.co.uk/).

Simon and Stuart are talking about their real life investment returns - comparing across crypto, stocks and shares, and of course property. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The chat this week includes: * Comparing returns across asset classes in our investment portfolios. * Crypto investments. * Stocks and shares. * Property capital gains. * Remember rental income too. * Inflation is making prices the new normal. * Find us on Twitter (https://twitter.com/BizOfProperty), YouTube (https://www.youtube.com/channel/UCRfrbvIJfodFK8tikisCjVw) or LinkedIn: Stuart (https://www.linkedin.com/in/stuartlordan/), Simon (https://www.linkedin.com/in/simonpither/). Subscribe to The Business of Property podcast on Spotify (https://open.spotify.com/show/73chI0Nqi9eRFUM7tkHc6r), iTunes (https://podcasts.apple.com/gb/podcast/the-business-of-property/id1495635728), and all podcast platforms (https://www.thebusinessofproperty.com/subscribe). Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Please leave us a rating and review if you're enjoying the show. This podcast is produced in association with PaTMa (https://www.patma.co.uk/), the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today (https://www.patma.co.uk/).

Stuart and Simon chat about two identical, but differently priced, properties that Simon has been looking at as potential buy to let investments. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The discussion this week includes: * Property twins! * 350k property (https://www.rightmove.co.uk/properties/129145532). * 400k property (https://www.rightmove.co.uk/properties/129432188). * The market is a bit confused at the moment. * Rightmove price history (https://www.patma.co.uk/page/property-tools-browser-extensions/) with PaTMa. * A big brick wall. * Comparing the required investment and ROI (thanks to PaTMa calculations). * Knocking 100k off your buying criteria. * Pausing more than adjusting. * Reducing portfolio leverage. * January will be interesting - will the normal seasonal uplift happen? * Find us on Twitter (https://twitter.com/BizOfProperty), YouTube (https://www.youtube.com/channel/UCRfrbvIJfodFK8tikisCjVw) or LinkedIn: Stuart (https://www.linkedin.com/in/stuartlordan/), Simon (https://www.linkedin.com/in/simonpither/). Subscribe to The Business of Property podcast on Spotify (https://open.spotify.com/show/73chI0Nqi9eRFUM7tkHc6r), iTunes (https://podcasts.apple.com/gb/podcast/the-business-of-property/id1495635728), and all podcast platforms (https://www.thebusinessofproperty.com/subscribe). Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Please leave us a rating and review if you're enjoying the show. This podcast is produced in association with PaTMa (https://www.patma.co.uk/), the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today (https://www.patma.co.uk/).

Simon and Stuart are talking about some of the actions they choose to take to live intentionally and make personal improvements. The chat this week includes: * Looking at organising our time. * Simon's a night owl. * Stuart's a morning lark. * Making the most of our mornings. * Choosing to fit things in. * Working around children. * Avoiding duplicate actions to streamline our days. * The challenge of getting up. * The One Thing (https://amzn.to/3TKBp0Z). * Creating a habit (in 66 days). * Alarm clock (https://play.google.com/store/apps/details?id=droom.sleepIfUCan) to force you up. * Habits are real. * Habit stacking. * How do you structure your days/time? * Find us on Twitter (https://twitter.com/BizOfProperty), YouTube (https://www.youtube.com/channel/UCRfrbvIJfodFK8tikisCjVw) or LinkedIn: Stuart (https://www.linkedin.com/in/stuartlordan/), Simon (https://www.linkedin.com/in/simonpither/). Subscribe to The Business of Property podcast on Spotify (https://open.spotify.com/show/73chI0Nqi9eRFUM7tkHc6r), iTunes (https://podcasts.apple.com/gb/podcast/the-business-of-property/id1495635728), and all podcast platforms (https://www.thebusinessofproperty.com/subscribe). Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Please leave us a rating and review if you're enjoying the show. This podcast is produced in association with PaTMa (https://www.patma.co.uk/), the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today (https://www.patma.co.uk/).

Stuart and Simon are chatting about the rapidly changing property market. They speculate a little on what the future may hold and how you can approach it. The discussion this week includes: * A more rapidly changing market? * Auction reductions email (https://mailchi.mp/9786a64ff1fe/16th-may-auction-entries-invited-44p9atkmpg-283722?e=bae606177c). * Is the current "price vs interest rate" situation an historic anomoly? * Savings account vs property investment. * Making offers slowly. * Auction guide (and hence reserve) prices being reduced en masse. * Drastically reduced sale rates for some auctions. * EIG newsletter (https://www.eigpropertyauctions.co.uk/news). * 50% of UK mortgages on a higher rate by the end of 2023. * Will there be a mortgage apocalypse? * Property investments might look a bit different at the moment, but they can still work. * Find us on Twitter (https://twitter.com/BizOfProperty), YouTube (https://www.youtube.com/channel/UCRfrbvIJfodFK8tikisCjVw) or LinkedIn: Stuart (https://www.linkedin.com/in/stuartlordan/), Simon (https://www.linkedin.com/in/simonpither/). Subscribe to The Business of Property podcast on Spotify (https://open.spotify.com/show/73chI0Nqi9eRFUM7tkHc6r), iTunes (https://podcasts.apple.com/gb/podcast/the-business-of-property/id1495635728), and all podcast platforms (https://www.thebusinessofproperty.com/subscribe). Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Please leave us a rating and review if you're enjoying the show. This podcast is produced in association with PaTMa (https://www.patma.co.uk/), the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today (https://www.patma.co.uk/).

Simon and Stuart are talking about their latest investments and potential investments. Including some things not going as planned and deciding against buildings with potential. The chat this week includes: * Our property business updates! * Unused space above a tanning studio. * Our previous intro to this property (https://www.thebusinessofproperty.com/150). * Considering access. * Completing on a smelly house. * Subscribe to our email newsletter (http://eepurl.com/icl-1f) for photos (soon). * Sellers don't always clean on the way out. * Fun surprises (really) looking around after completion. * Broken windows. * Property information forms. * Investigating a 27-bed property. * Increasing (student) rent with lower room rates! * Looking at funding for larger projects. * Find us on Twitter (https://twitter.com/BizOfProperty), YouTube (https://www.youtube.com/channel/UCRfrbvIJfodFK8tikisCjVw) or LinkedIn: Stuart (https://www.linkedin.com/in/stuartlordan/), Simon (https://www.linkedin.com/in/simonpither/). Subscribe to The Business of Property podcast on Spotify (https://open.spotify.com/show/73chI0Nqi9eRFUM7tkHc6r), iTunes (https://podcasts.apple.com/gb/podcast/the-business-of-property/id1495635728), and all podcast platforms (https://www.thebusinessofproperty.com/subscribe). Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Please leave us a rating and review if you're enjoying the show. This podcast is produced in association with PaTMa (https://www.patma.co.uk/), the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today (https://www.patma.co.uk/).