The Business of Property

In the latest episode of the Business of Property podcast, host Simon is joined by Stuart French, co-owner of Pineapple Group. Stuart imparts his expertise on navigating the myriad of challenges in the property investment landscape, from tax hurdles to financial planning and property management. Stuart's journey in property investment is nothing short of inspiring. Imagine achieving an infinite return on your first property investment! That's exactly what Stuart did with a property he bought for £130,000 and, after some extensive renovations, refinanced for £210,000. His background as a structural engineer, coupled with a keen eye for potential, led him to the Medway area, where he capitalized on the growth opportunities presented by significant infrastructure developments. But it's not just about the success stories. Stuart delves into the critical decisions that shape a property portfolio, such as navigating tax law changes and restructuring for efficiency. He shares his insights on balancing cash flow with capital growth and why London's current market conditions are ripe for investors with the means to dive in. The Pineapple Group's comprehensive services are designed to streamline the investment process for those looking to invest in the UK from abroad. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Episode links: * Special guest - Stuart French, from Pineapple Group (https://www.pineapple-group.co.uk/). * Free Strategy Session Link for all listeners (https://calendly.com/investment-strategists/free-30-minute-strategy-session). Join us for a chat (fully booked until summer) and we’ll get you moving, or moving faster. * Find us on YouTube (https://www.youtube.com/channel/UCRfrbvIJfodFK8tikisCjVw) or LinkedIn: 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 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: Stuart French.

Host Simon is joined by Simon Glastonbury, a seasoned independent mortgage broker. They note an uptick in available properties but a corresponding dip in buyer urgency, and round-up the latest mortgage rates. They delve into the nuances of the UK property market, noting an uptick in available properties but a corresponding dip in buyer urgency, which may lead to transaction delays. Simon G sheds light on the high fall-through rates and the emotional toll of collapsed deals. He also touches on lenders' meticulousness in the mortgage process, the challenges of down valuations, and options for dealing with them. They also discuss the current state of the EWS1 requirements for flats with cladding issues. Furthermore, Simon G finishes up with the best of current mortgage rates (and fees) for BTL and HMO investors. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Episode links: * Special guest - mortgage broker Simon Glastonbury (https://www.jsiassociates.com/). * Property market "lack of urgency (https://thenegotiator.co.uk/news/uk-housing-market-news/blog-spectre-of-high-interest-rates-still-stalking-market-says-knight-frank/)" * There are still flats without an EWS1 (https://thenegotiator.co.uk/news/rental-market/leasehold-campaigners-issue-call-for-evidence-cladding/) * Find us on YouTube (https://www.youtube.com/channel/UCRfrbvIJfodFK8tikisCjVw) or LinkedIn: 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 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.

In this insightful episode of the Business of Property podcast, Simon chats with Philip Mallourides, a seasoned property investor, to unravel his unique property journey from rent-to-rent (before it was) to blocks of auction purchased flats. Philip recounts how he inadvertently became a landlord in 1996, a move encouraged by market conditions. He shares his early experiences in property management and the evolution of the rent-to-rent model. The episode takes a poignant turn as Philip openly discusses his conviction and subsequent imprisonment, which led to a complete loss of his property portfolio. Demonstrating resilience, Philip speaks about the power of mindset in overcoming adversity and rebuilding his life. He also provides valuable insights into property auctions, emphasizing the importance of due diligence and strategic planning. This episode is a blend of personal narrative and professional wisdom, offering a compelling look at the highs and lows of property investment. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Episode links: * Activate Your Success (https://www.activateyoursuccess.co.uk/) * Landlord Compliance Training (https://landlordcompliance.org.uk/) * Find us on YouTube (https://www.youtube.com/channel/UCRfrbvIJfodFK8tikisCjVw) or LinkedIn: 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 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: Philip Mallourides.

In this episode of The Business of Property podcast, co-hosts Simon and Stuart delve into the realities of managing property businesses. Stuart reflects on the lessons learned throughout his property journey so far. The discussion provides valuable insights into the challenges and successes of running a property business, as shared by Stuart from his personal experience. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Episode links: * Stuart's £35k/month HMO business (https://www.thebusinessofproperty.com/220). * The spreadsheet (https://docs.google.com/spreadsheets/d/187a3vHhMaYqRkOEotFDLFOW_6RWR2n6TWF8Cqehd720/edit?usp=sharing). * 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/).

In this episode of the Business of Property podcast, co-hosts Stuart and Simon engage in a lively debate about the meaning of a "real property business". Simon presents a scenario where a property business makes a loss initially due to investment and maintenance costs but still generates income through rentals. Stuart stresses the importance of real-world profitability and is sceptical about a business that only shows a 5.1% return after four years. They explore the implications of accounting for profit and tax strategies, with differing views on when a property business should be considered genuinely profitable. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Episode links: * The spreadsheet (https://docs.google.com/spreadsheets/d/187a3vHhMaYqRkOEotFDLFOW_6RWR2n6TWF8Cqehd720/edit?usp=sharing). * 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 engage in a detailed conversation about the complexities of managing a diverse property portfolio. They discuss the unique challenges that come with different types of properties, such as buy-to-let, commercial spaces, serviced accommodation, and HMOs. They stress the importance of having a clear strategy and understanding what 'freedom' and 'legacy' mean to you, and within the realm of property investment. Stuart advises taking time to reflect on personal goals, while Simon talks about the option of outsourcing management tasks to streamline a portfolio. The episode is a deep dive into optimizing property management and aligning it with long-term goals. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Episode links: * 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/).

In this episode, Stuart, Simon, and resident mortgage broker Simon Glastonbury discuss the recent budget's impact on property businesses. They cover the VAT threshold increase, the capital gains tax reduction for property sellers, and the decrease in the tax-free allowance. Stuart welcomes tax reductions, while Simon Glastonbury highlights how the lower allowance might negate tax rate benefits for some. They address the budget's effects on landlords and first-time buyers, expressing disappointment over the absence of 99% loan-to-value mortgages. They also debate the abolition of multiple dwellings relief and its implications for large investors. The episode offers a detailed analysis of the budget's influence on property investment and ownership. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Episode links: * Special guest - mortgage broker Simon Glastonbury (https://www.jsiassociates.com/). * The budget (https://www.gov.uk/government/topical-events/spring-budget-2024). * Removal of Multiple Dwellings Relief (https://www.gov.uk/government/publications/stamp-duty-land-tax-abolition-of-multiple-dwellings-relief-from-1-june-2024). * Reduction in Capital Gains Tax (https://www.gov.uk/government/publications/capital-gains-tax-changes-to-the-higher-rate-of-tax-on-residential-property-disposals). * Reducing CGT exempt allowance (https://www.gov.uk/government/publications/reducing-the-annual-exempt-amount-for-capital-gains-tax). * What the Furnished Holiday Let tax changes might mean (https://www.rsmuk.com/insights/weekly-tax-brief/impact-of-scrapping-the-furnished-holiday-let-tax-relief). * 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.

Stuart and Simon delve into the UK house price index, discussing its meaning for the property market and examining regional price variations. They note a slight national decrease in property prices but highlight significant regional disparities. Personal anecdotes from Simon and Stuart reveal a more complex market situation than the statistics suggest, with properties still attracting offers near or above the asking price. The conversation also covers the rental market, observing shifts in tenant behavior and the balance of demand and supply. The episode offers a nuanced look at the property market, contrasting data with real-world experiences. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Episode links: * Hometrack index (https://www.hometrack.com/latest-news/uk-house-price-index/?goal=0_71d79157a3-9bf00a3ba1-88696566). * 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 explore the financial journey of Simon's property business. They start with the 2016-2017 tax year, where Simon's three buy-to-let properties yielded £36,000 in revenue and £29,000 in pre-tax profit. The conversation then covers the challenges posed by Section 24, which affected mortgage interest tax relief, increasing costs and reducing profits. Despite this, Simon remains focused on the long-term advantages of property investment, such as capital gains and equity growth. Stuart acknowledges the hard work behind managing a property portfolio, and together they shed light on the complexities of property business finances. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Episode links: * Simon's limited company property Episode 180 (https://www.thebusinessofproperty.com/180) * Simon's limited company property Episode 189 (https://www.thebusinessofproperty.com/189) * 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 share strategies for landlords on finding and selecting tenants for rental properties. They discuss the importance of preparing the property, taking quality photos, and writing effective listings. They explore options for advertising on rental portals and the benefits of self-managing the process versus using agents. The duo also talks about using automated emails to screen enquiries and the use of software to grade potential tenants. They share their approaches to scheduling viewings and the selection process, emphasizing the cost savings and relationship-building aspects of finding tenants independently. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Episode links: * OpenRent (https://www.openrent.co.uk/) * Visum (https://www.visum.co.uk/letting) * SavvyCal (https://savvycal.com/) * Cal.com (https://cal.com/) * Google Calendar appointment schedule (https://support.google.com/calendar/answer/10729749?hl=en) * 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 discuss the significant growth of Stuart's property business over four years, focusing on revenue and strategic shifts, particularly the move into the rent-to-rent market. Stuart shares his initial challenges and the evolution of his business from a £10,000 monthly revenue to a projected £35,000, emphasizing the importance of profitability, not just revenue. They reflect on the journey's lessons, the importance of sustainable growth, and the reality of running a property business. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Episode links: * Take the score card (https://propertybusinessgrowth.scoreapp.com/) to discover if you're ready to scale your property business. * 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/).

In this episode of the Business of Property podcast, Stuart, Simon and Simon discuss the Bank of England's decision to maintain the base rate and the impact on the mortgage market. They highlight recent rate drops, plus the rise in some lenders' rates! Not to mention the significant fees associated with mortgages and their effect on LTV. The conversation also covers the quiet state of the market, with fewer people seeking mortgage products. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Episode links: * Special guest - mortgage broker Simon Glastonbury (https://www.jsiassociates.com/). * Take the score card (https://propertybusinessgrowth.scoreapp.com/) to discover if you're ready to scale your property business. * 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.

In this episode, Simon and Stuart explore the importance of aligning property strategies with personal preferences and strengths when growing a property business. Stuart shares his experience with HMOs and the necessity of adaptability, while Simon reflects on his slow, steady approach to building a property portfolio. They conclude that the best strategy is... (you'll need to listen!). Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Episode links: * Episode with Luke (https://www.thebusinessofproperty.com/217). * Episode with Julia (https://www.thebusinessofproperty.com/214). * Take the score card (https://propertybusinessgrowth.scoreapp.com/) to discover if you're ready to scale your property business. * 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/).

In this episode Stuart and Simon interview Luke Blakemore. Luke shares his journey from starting with buy-to-let properties to engaging in larger development projects. He discusses the importance of using investors' money wisely, ensuring a minimum 20% return, and building a trustworthy team. Despite challenges like problematic builders and the COVID-19 lockdown, Luke and his partner have successfully grown their portfolio. The episode also covers Luke's current project involving a luxury barn conversion. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Episode links: * Special guest Luke Blakemore (https://linktr.ee/lukeblakemore). * Take the score card (https://propertybusinessgrowth.scoreapp.com/) to discover if you're ready to scale your property business. * 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: Luke Blakemore.

Stuart and Simon discuss strategies for managing mortgages, as fixed rates come to an end. They emphasize the importance of tracking end dates, exploring options with current lenders or other banks, and understanding the long-term effects of fees and interest rates on mortgages. They advise against waiting for lower rates and suggest using tools to monitor mortgage details. They also highlight the flexibility borrowers have in locking in rates and the potential to switch offers as the remortgaging date nears. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Episode links: * Comparing cash vs mortgage returns (https://www.thebusinessofproperty.com/207). * Take the score card (https://propertybusinessgrowth.scoreapp.com/) to discover if you're ready to scale your property business. * 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 explore reasons for selling, such as releasing capital or divesting mismatched properties, and the financial implications, including tax considerations for personal versus company-owned properties. They delve into challenges in property valuation, market unpredictability, and the importance of flexibility in decision-making. Consider your unique situations when deciding to sell, especially that putting a property on the market is a risk-free step. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. Episode links: * CGT rates (https://www.gov.uk/capital-gains-tax/rates). * CGT in businesses (https://www.gov.uk/capital-gains-tax-businesses). * Take the score card (https://propertybusinessgrowth.scoreapp.com/) to discover if you're ready to scale your property business. * 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 Julia Scoville joins Simon and Stuart to talk about her approach to starting, scaling and selling her specialist HMO lettings agency. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The property talk this week includes: * Why start an HMO letting agency? * Learn from the corporate world. * Managing HMO relationships. * Being a mum to tenants! * Packaging a business for a sale. * Life throws all sorts at you! * 65% of packaged businesses don't sell. * 6-8 months to sell a business. * Life after selling. * Take the score card (https://propertybusinessgrowth.scoreapp.com/) to discover if you're ready to scale your property business. * 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: Julia Scoville.

Stuart and Simon review their 2023 predictions on the Bank of England base rate, mortgage rates and house prices. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The property talk this week includes: * Our 2023 predictions episode (https://www.thebusinessofproperty.com/165). * Base rate prediction vs reality (https://www.bankofengland.co.uk/boeapps/database/Bank-Rate.asp) * BTL rates (https://www.which.co.uk/news/article/whats-happening-to-buy-to-let-mortgage-rates-aPCwx0Y6FH3h) according to Which. * Government support for mortgage holders (https://www.gov.uk/government/news/chancellor-agrees-new-support-measures-for-mortgage-holders). * Increase in mortgage arrears and repossessions (https://www.theguardian.com/money/2023/nov/09/sharp-rise-in-landlords-and-homeowners-in-mortgage-arrears-data-shows). * House price changes: * ONS (https://www.ons.gov.uk/economy/inflationandpriceindices/bulletins/housepriceindex/latest) * Nationwide (https://tradingeconomics.com/united-kingdom/nationwide-housing-prices-yoy) * Halifax (https://tradingeconomics.com/united-kingdom/house-price-index-yoy) * Should we allow for inflation (https://www.ons.gov.uk/economy/inflationandpriceindices/timeseries/l55o/mm23)? * Take the score card (https://propertybusinessgrowth.scoreapp.com/) to discover if you're ready to scale your property business. * 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 discuss the practicality of using a limited company for property investments - tax, mortgages, and capital investment. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The property talk this week includes: * Simon's last investment (https://www.thebusinessofproperty.com/180). * Setting up a company is easy, direct on the government site (https://www.gov.uk/set-up-limited-company). * Starling Bank (https://www.starlingbank.com/). * Simon's new company experience. * Choose the correct SIC code if you want to get a mortgage. * Capital improvement vs maintenance. * Take the score card (https://propertybusinessgrowth.scoreapp.com/) to discover if you're ready to scale your property business. * 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 Glastonbury joins us for an episode dedicated to limited company mortgages! We discuss requirements, current rates and some common myths. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The property talk this week includes: * Special guest - mortgage broker Simon Glastonbury (https://www.jsiassociates.com/). * Past limited company episodes: * How we pay ourselves (https://www.thebusinessofproperty.com/189). * Limited company vs Section 24 (https://www.thebusinessofproperty.com/167). * Buying in a limited company (https://www.thebusinessofproperty.com/140). * To buy or not to buy in a limited company (https://www.thebusinessofproperty.com/135). * Limits on a limited company that wants a mortgage. * Income requirements for directors. * Differences for limited company mortgages - or are they? * Loan To Value (LTV) * Some example limited company mortgage rates, and fees! * The mortgage market is currently very quiet. * Limited company mortgage myths. * Take the score card (https://propertybusinessgrowth.scoreapp.com/) to discover if you're ready to scale your property business. * 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.