The Financial Freedom Podcast

How do you build a UK property business while living in the Middle East and holding down a full-time corporate career?In this episode of The Financial Freedom Podcast, we sit down with Jason Dowling, a facilities management professional based in Oman, who shares how he went from watching others invest to becoming an HMO investor himself, and how mindset, planning, and the right support made it all possible.We discuss:✅ Managing UK refurb projects from abroad✅ Raising funds through a UK Ltd company as a new investor✅ Switching from corporate mindset to action-takerWhether you're an expat, working full-time, or just getting started, this one proves there’s no such thing as “too busy” when your goals are clear.This podcast is sponsored by Property Filterregister.property-filter.co.uk/ppbFacebook: ⁠⁠https://www.facebook.com/propertyportfoliobuilding/LinkedIn: ⁠⁠ ⁠https://www.linkedin.com/company/propertyportfoliobuilding/Instagram: ⁠⁠https://www.instagram.com/propertyportfoliobuildinguk/YouTube: ⁠⁠youtube.com/@propertyportfoliobuilding/⁠⁠Websites: ⁠⁠propertyportfoliobuilding.co.uk & ⁠⁠invest-prop.co.uk⁠⁠Connect with our hosts:Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/Facebook: ⁠https://www.facebook.com/phil.y.bygraveGet in touch with Tim here:LinkedIn: ⁠⁠https://www.linkedin.com/in/timothy-witt-77b0275b/⁠⁠Facebook: ⁠https://www.linkedin.com/in/timothy-witt-77b0275b/COME AND MEET US http://www.manchesternorthpin.co.uk use "bygrave" to attend for free!For all enquiries, please contact us at: ⁠podcast@invest-prop.co.uk

In this episode of The Financial Freedom Podcast, we dive into our PPB Director’s personal journey, leaving a high‑pressure corporate sales role to build a life centred on freedom, family, and purpose.It’s an honest look at what happens when success on paper no longer matches success in life, and how property became the bridge to balance.This isn’t just another success story—it’s a wake-up call about why we choose to build wealthIn this episode, we dive into:💡 What a family medical emergency taught him about freedom🔑 How a single rental sparked a career change🏠 Why small-scale property development won over rent-to-rent⚒️ The real challenges of transitioning into property from scratchWhether you're a parent, a property investor, or a business owner, this episode is a must-listen.This podcast is sponsored by Property Filter register.property-filter.co.uk/ppbStay connected with us through our social media channels:Facebook: ⁠⁠https://www.facebook.com/propertyportfoliobuilding/LinkedIn: ⁠⁠ ⁠https://www.linkedin.com/company/propertyportfoliobuilding/Instagram: ⁠⁠https://www.instagram.com/propertyportfoliobuildinguk/YouTube: ⁠⁠youtube.com/@propertyportfoliobuilding/⁠⁠Websites: ⁠⁠propertyportfoliobuilding.co.uk⁠⁠ & ⁠⁠invest-prop.co.uk⁠⁠Connect with our hosts:Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/Facebook: ⁠https://www.facebook.com/phil.y.bygraveGet in touch with Tim here:LinkedIn: ⁠⁠https://www.linkedin.com/in/timothy-witt-77b0275b/⁠⁠Facebook: ⁠https://www.linkedin.com/in/timothy-witt-77b0275b/COME AND MEET US http://www.manchesternorthpin.co.uk use "bygrave" to attend for free!

With over 70 property deals in the last five years this episodes shares the really keys elements to doing a good one. 55 of their deals have been through Property Filter who have also been sponsoring The Financial Freedom Podcast for 1 Year. It is a really key tool in the business but most people don’t get the best out of it so it’s time to share some secrets. This session deep dives into Deal Making across multiple strategies. Comm to Resi, PLO, HMO, BMV they break it down to the simple building blocks.Subscribe now 👇🎧 Listen now and level up your property strategy.This podcast is sponsored by Property Filterregister.property-filter.co.uk/ppbFacebook: ⁠⁠https://www.facebook.com/propertyportfoliobuilding/LinkedIn: ⁠⁠ ⁠https://www.linkedin.com/company/propertyportfoliobuilding/Instagram: ⁠⁠https://www.instagram.com/propertyportfoliobuildinguk/YouTube: ⁠⁠youtube.com/@propertyportfoliobuilding/⁠⁠Websites: ⁠⁠propertyportfoliobuilding.co.uk & ⁠⁠invest-prop.co.uk⁠⁠Connect with our hosts:Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/Facebook: ⁠https://www.facebook.com/phil.y.bygraveGet in touch with Tim here:LinkedIn: ⁠⁠https://www.linkedin.com/in/timothy-witt-77b0275b/⁠⁠Facebook: ⁠https://www.linkedin.com/in/timothy-witt-77b0275b/COME AND MEET US http://www.manchesternorthpin.co.uk use "bygrave" to attend for free!For all enquiries, please contact us at: ⁠podcast@invest-prop.co.uk

In our latest podcast, we're cutting through the noise and answering the question we get asked most: what does Property Portfolio Building actually do?This episode is a deep dive into our end-to-end service, from sourcing to building and managing your assets. We lay down our unique approach, why it works in our local market, and how it’s designed to tackle the real challenges landlords and investors face today, from new regulations to rising costs.In this episode we cover: ✅ The Mission: Our core purpose is to help clients achieve financial freedom through our end-to-end "Source, Build, and Manage" program.✅ Targeted Investment: We specialise in HMOs and commercial-to-residential projects, explaining why these strategies are so effective in the Greater Manchester market.✅ Your Goals, Not Our Deals: We walk you through our unique onboarding process, which is all about understanding your personal financial goals before we ever find a property.If you’ve ever wondered about our turnkey Source, Build, and Manage program or are looking for a clear path to build a high-performing portfolio in Greater Manchester, this one's for youHit the link to watch it now.🎧 Watch it now on Youtube: [Link to podcast episode]#PropertyInvestment #GreaterManchester #FinancialFreedom #PropertyPortfolio #LandlordLife #ManchesterProperty #PropertyPodcast #RealEstateInvesting #BuyToLetThis podcast is sponsored by Property Filterhttps://property-filter.co.uk/Facebook: ⁠⁠https://www.facebook.com/propertyportfoliobuilding/LinkedIn: ⁠⁠ ⁠https://www.linkedin.com/company/propertyportfoliobuilding/Instagram: ⁠⁠https://www.instagram.com/propertyportfoliobuildinguk/YouTube: ⁠⁠youtube.com/@propertyportfoliobuilding/⁠⁠Websites: ⁠⁠propertyportfoliobuilding.co.uk & ⁠⁠invest-prop.co.uk⁠⁠Connect with our hosts:Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/Facebook: ⁠https://www.facebook.com/phil.y.bygraveGet in touch with Tim here:LinkedIn: ⁠⁠https://www.linkedin.com/in/timothy-witt-77b0275b/⁠⁠Facebook: ⁠https://www.linkedin.com/in/timothy-witt-77b0275b/COME AND MEET US http://www.manchesternorthpin.co.uk use "bygrave" to attend for free!For all enquiries, please contact us at: ⁠podcast@invest-prop.co.uk

Most people talk about financial freedom.But very few actually define it, or live it.Is it flying first class? Quitting your job?Or is it something deeper… like not having to trade your time for money?In this week’s episode of The Financial Freedom Podcast, we’re joined by Simon Zutshi, seasoned investor, educator, and founder of property investors network (pin).We cover what financial freedom really means in 2025, including: • The key difference between financial independence and financial freedom • How to build income streams not tied to your time• The risks of relying on single-lets in today’s market • How to simplify your investing strategy and avoid common traps • Why mindset and education are just as important as your cashflowThis episode is packed with insights from someone who’s been through multiple market cycles, and it’s a must-listen if you want to grow your portfolio and your freedom.This podcast is sponsored by Property Filterregister.property-filter.co.uk/ppbFacebook: ⁠⁠https://www.facebook.com/propertyportfoliobuilding/LinkedIn: ⁠⁠ ⁠https://www.linkedin.com/company/propertyportfoliobuilding/Instagram: ⁠⁠https://www.instagram.com/propertyportfoliobuildinguk/YouTube: ⁠⁠youtube.com/@propertyportfoliobuilding/⁠⁠Websites: ⁠⁠propertyportfoliobuilding.co.uk & ⁠⁠invest-prop.co.uk⁠⁠Connect with our hosts:Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/Facebook: ⁠https://www.facebook.com/phil.y.bygraveGet in touch with Tim here:LinkedIn: ⁠⁠https://www.linkedin.com/in/timothy-witt-77b0275b/⁠⁠Facebook: ⁠https://www.linkedin.com/in/timothy-witt-77b0275b/COME AND MEET US http://www.manchesternorthpin.co.uk use "bygrave" to attend for free!For all enquiries, please contact us at: ⁠podcast@invest-prop.co.uk

Small-scale development isn’t just about numbers on a spreadsheet , it’s a real test of planning, resilience, and problem-solving under pressure.In this episode of The Financial Freedom Podcast, we explore the most common issues developers face on the ground, from time delays that push everything back to cost overruns that can wipe out your profit.More importantly, we share exactly how to keep your project moving when things don’t go to plan.✅ Real-world examples✅ Practical tips you can implement now✅ Proven strategies to stay on time and on budgetThis podcast is sponsored by Property Filterhttps://property-filter.co.uk/Facebook: ⁠⁠https://www.facebook.com/propertyportfoliobuilding/LinkedIn: ⁠⁠ ⁠https://www.linkedin.com/company/propertyportfoliobuilding/Instagram: ⁠⁠https://www.instagram.com/propertyportfoliobuildinguk/YouTube: ⁠⁠youtube.com/@propertyportfoliobuilding/⁠⁠Websites: ⁠⁠propertyportfoliobuilding.co.uk & ⁠⁠invest-prop.co.uk⁠⁠Connect with our hosts:Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/Facebook: ⁠https://www.facebook.com/phil.y.bygraveGet in touch with Tim here:LinkedIn: ⁠⁠https://www.linkedin.com/in/timothy-witt-77b0275b/⁠⁠Facebook: ⁠https://www.linkedin.com/in/timothy-witt-77b0275b/COME AND MEET US http://www.manchesternorthpin.co.uk use "bygrave" to attend for free!For all enquiries, please contact us at: ⁠podcast@invest-prop.co.uk

From scraping through school and barely passing uni… to leading a major recruitment business as CEO.We talk:The moment that changed his work ethic foreverBuilding through the 2008 recessionSwapping the CEO chair for family life after becoming a dad to twinsHis approach to investing, advising, and mentoring across multiple businessesWhat real financial freedom means to him (and why it’s not about the flashy stuff)If you want straight-talking lessons on resilience, business growth, and building a lifestyle on your terms. This one’s for you.#FinancialFreedomPodcast #SixRoundsWith #Entrepreneurship #BusinessGrowth #FinancialFreedom #UKBusinessWhether you're a parent, a property investor, or a business owner, this episode is a must-listen.Stay connected with us through our social media channels:This podcast is sponsored by Property Filterhttps://property-filter.co.uk/Facebook: ⁠⁠https://www.facebook.com/propertyportfoliobuilding/LinkedIn: ⁠⁠ ⁠https://www.linkedin.com/company/propertyportfoliobuilding/Instagram: ⁠⁠https://www.instagram.com/propertyportfoliobuildinguk/YouTube: ⁠⁠youtube.com/@propertyportfoliobuilding/⁠⁠Websites: ⁠⁠propertyportfoliobuilding.co.uk & ⁠⁠invest-prop.co.uk⁠⁠Connect with our hosts:Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/Facebook: ⁠https://www.facebook.com/phil.y.bygraveGet in touch with Tim here:LinkedIn: ⁠⁠https://www.linkedin.com/in/timothy-witt-77b0275b/⁠⁠Facebook: ⁠https://www.linkedin.com/in/timothy-witt-77b0275b/COME AND MEET US http://www.manchesternorthpin.co.uk use "bygrave" to attend for free!For all enquiries, please contact us at: ⁠podcast@invest-prop.co.uk

Ever wondered how it all began? In this episode, we’re lifting the lid on Tim Witt’s journey, from renting a room in Cheadle to building a successful property business and achieving financial freedom. He shares the early challenges, mindset shifts, and what it really takes to scale in the UK property world.In this episode expect real talk on:✅ Running 10 projects while working full-time (and surviving it)✅ Mindset shifts, raising private finance, and the power of JV partnerships✅ Why systemising, outsourcing, and learning to say no are critical✅ How the business helps investors build wealth through done-for-you BDRR projects⚖ Real stories of loss, resilience, and the emotional cost of not being preparedWhether you're a parent, a property investor, or a business owner, this episode is a must-listen.Stay connected with us through our social media channels: Facebook: ⁠⁠https://www.facebook.com/propertyportfoliobuilding/LinkedIn: ⁠⁠ ⁠https://www.linkedin.com/company/propertyportfoliobuilding/ Instagram: ⁠⁠https://www.instagram.com/propertyportfoliobuildinguk/YouTube: ⁠⁠youtube.com/@propertyportfoliobuilding/⁠⁠Websites: ⁠⁠propertyportfoliobuilding.co.uk⁠⁠ & ⁠⁠invest-prop.co.uk⁠⁠Connect with our hosts:Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/Facebook: ⁠https://www.facebook.com/phil.y.bygraveGet in touch with Tim here:LinkedIn: ⁠⁠https://www.linkedin.com/in/timothy-witt-77b0275b/⁠⁠ Facebook: ⁠https://www.linkedin.com/in/timothy-witt-77b0275b/COME AND MEET US http://www.manchesternorthpin.co.uk use "bygrave" to attend for free!For all enquiries, please contact us at: ⁠podcast@invest-prop.co.uk

In this episode of The Financial Freedom Podcast, we sit down with Akash, co-founder of On Point Mortgages and creator of The Black Box, a simple but powerful tool that combines life insurance, wills, and power of attorney into one clear, actionable solution for families and business owners.As property investors how well protected are your assets when you die? Will they become an family asset or a difficult liability?But this isn’t just about paperwork. It’s about legacy, peace of mind, and building a life that protects your loved ones even when you’re not there.You’ll hear:🔒 Why every family and business owner needs a “Black Box”🛡 How life insurance in trust can save your estate from massive tax bills⚖ Real stories of loss, resilience, and the emotional cost of not being preparedWhether you're a parent, a property investor, or a business owner, this episode is a must-listen.Stay connected with us through our social media channels: Facebook: ⁠⁠https://www.facebook.com/propertyportfoliobuilding/LinkedIn: ⁠⁠ ⁠https://www.linkedin.com/company/propertyportfoliobuilding/ Instagram: ⁠⁠https://www.instagram.com/propertyportfoliobuildinguk/YouTube: ⁠⁠youtube.com/@propertyportfoliobuilding/⁠⁠Websites: ⁠⁠propertyportfoliobuilding.co.uk⁠⁠ & ⁠⁠invest-prop.co.uk⁠⁠Connect with our hosts:Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/Facebook: ⁠https://www.facebook.com/phil.y.bygraveGet in touch with Tim here:LinkedIn: ⁠⁠https://www.linkedin.com/in/timothy-witt-77b0275b/⁠⁠ Facebook: ⁠https://www.linkedin.com/in/timothy-witt-77b0275b/COME AND MEET US http://www.manchesternorthpin.co.uk use "bygrave" to attend for free!For all enquiries, please contact us at: ⁠podcast@invest-prop.co.uk

In this technical episode of The Financial Freedom Podcast, Tim and Phil break down the biggest life lessons that were never taught in the classroom, but absolutely should’ve been.From mastering good vs. bad debt, building personal cashflow, and learning to block out the noise of other people’s opinions, to embracing health, purpose, and the power of doing things differently—this episode is a goldmine of real-world knowledge. It’s practical, honest, and packed with mindset shifts that can change the trajectory of your life.💥 Here’s what we cover:Why not all debt is bad, and how to leverage the good kindHow personal cashflow management is the real secret to building wealthWhy playing the game of life beats fighting the systemStay connected with us through our social media channels: Facebook: ⁠⁠https://www.facebook.com/propertyportfoliobuilding/LinkedIn: ⁠⁠ ⁠https://www.linkedin.com/company/propertyportfoliobuilding/ Instagram: ⁠⁠https://www.instagram.com/propertyportfoliobuildinguk/YouTube: ⁠⁠youtube.com/@propertyportfoliobuilding/⁠⁠Websites: ⁠⁠propertyportfoliobuilding.co.uk⁠⁠ & ⁠⁠invest-prop.co.uk⁠⁠Connect with our hosts:Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/Facebook: ⁠https://www.facebook.com/phil.y.bygraveGet in touch with Tim here:LinkedIn: ⁠⁠https://www.linkedin.com/in/timothy-witt-77b0275b/⁠⁠ Facebook: ⁠https://www.linkedin.com/in/timothy-witt-77b0275b/COME AND MEET US http://www.manchesternorthpin.co.uk use "bygrave" to attend for free!For all enquiries, please contact us at: ⁠podcast@invest-prop.co.uk

This week on The Financial Freedom Podcast , we sit down with Hannah Haikal, a property investor, developer, business psychologist, and full-time working mum of two — who’s building a UK property portfolio from Dubai. 🏡🌍From scuba diving in Santorini to securing HMO projects in Manchester, Hannah shares:✅ How she balances career, kids, and property✅ Strategies for financial freedom — from ETFs to bricks & mortar✅ Her game-changing experience with our Source, Build, Manage service at PPB✅ What really goes on behind a two-year development project!If you’re juggling work, life, and a growing property business (or thinking of starting one), this episode is a must-listen. 🎧💬 “It’s not a race. It’s about building a future for our family with freedom and choice.”👉 Listen now and hear Hannah’s story of resilience, growth, and smart investing.Stay connected with us through our social media channels: Facebook: ⁠⁠https://www.facebook.com/propertyportfoliobuilding/LinkedIn: ⁠⁠ ⁠https://www.linkedin.com/company/propertyportfoliobuilding/ Instagram: ⁠⁠https://www.instagram.com/propertyportfoliobuildinguk/YouTube: ⁠⁠youtube.com/@propertyportfoliobuilding/⁠⁠Websites: ⁠⁠propertyportfoliobuilding.co.uk⁠⁠ & ⁠⁠invest-prop.co.uk⁠⁠Connect with our hosts:Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/Facebook: ⁠https://www.facebook.com/phil.y.bygraveGet in touch with Tim here:LinkedIn: ⁠⁠https://www.linkedin.com/in/timothy-witt-77b0275b/⁠⁠ Facebook: ⁠https://www.linkedin.com/in/timothy-witt-77b0275b/COME AND MEET US http://www.manchesternorthpin.co.uk use "bygrave" to attend for free!For all enquiries, please contact us at: ⁠podcast@invest-prop.co.uk

In this technical deep dive, we explore why having a project manager is essential for your development success. Whether you're managing a £60K refurb or a half-a-million-pound conversion, project managers don’t just save you time—they protect your budget, reduce risk, and bring order to the chaos.🎧 Join us as Tim breaks down:✅ The difference between a consultant and construction project manager✅ What a good PM actually does (spoiler: a lot more than you think)✅ How they save you tens of thousands in variations✅ The biggest mistakes investors make when they go without oneIf you’re serious about scaling your property business while avoiding costly errors, this is an episode you won’t want to miss.Stay connected with us through our social media channels: Facebook: ⁠⁠https://www.facebook.com/propertyportfoliobuilding/LinkedIn: ⁠⁠ ⁠https://www.linkedin.com/company/propertyportfoliobuilding/ Instagram: ⁠⁠https://www.instagram.com/propertyportfoliobuildinguk/YouTube: ⁠⁠youtube.com/@propertyportfoliobuilding/⁠⁠Websites: ⁠⁠propertyportfoliobuilding.co.uk⁠⁠ & ⁠⁠invest-prop.co.uk⁠⁠Connect with our hosts:Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/Facebook: ⁠https://www.facebook.com/phil.y.bygraveGet in touch with Tim here:LinkedIn: ⁠⁠https://www.linkedin.com/in/timothy-witt-77b0275b/⁠⁠ Facebook: ⁠https://www.linkedin.com/in/timothy-witt-77b0275b/COME AND MEET US http://www.manchesternorthpin.co.uk use "bygrave" to attend for free!For all enquiries, please contact us at: ⁠podcast@invest-prop.co.uk

In this episode of The Financial Freedom Podcast, we sit down with Aaisha Qureshi, a former banker turned property developer, who shares her powerful journey through career change, personal loss, and rediscovery of purpose through property.After facing redundancy in the 2008 crash and losing both parents during the pandemic, Aaisha pivoted from a driving instructor to small-scale property developer—driven by a mission to create a better life for her son and inspire others to dream bigger.💡 What you’ll hear in this episode:✅ How Aaisha transitioned from banking to property development✅ The personal challenges that shaped her mindset and motivation✅ Why small-scale development gave her control, purpose, and confidenceStay connected with us through our social media channels: Facebook: ⁠⁠https://www.facebook.com/propertyportfoliobuilding/LinkedIn: ⁠⁠ ⁠https://www.linkedin.com/company/propertyportfoliobuilding/ Instagram: ⁠⁠https://www.instagram.com/propertyportfoliobuildinguk/YouTube: ⁠⁠youtube.com/@propertyportfoliobuilding/⁠⁠Websites: ⁠⁠propertyportfoliobuilding.co.uk⁠⁠ & ⁠⁠invest-prop.co.uk⁠⁠Connect with our hosts:Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/Facebook: ⁠https://www.facebook.com/phil.y.bygraveGet in touch with Tim here:LinkedIn: ⁠⁠https://www.linkedin.com/in/timothy-witt-77b0275b/⁠⁠ Facebook: ⁠https://www.linkedin.com/in/timothy-witt-77b0275b/COME AND MEET US http://www.manchesternorthpin.co.uk use "bygrave" to attend for free!For all enquiries, please contact us at: ⁠podcast@invest-prop.co.uk

💼 What does it really take to leave a career in education and build a life on your terms through property?In this episode of The Financial Freedom Podcast—brought to you by Property Portfolio Building and sponsored by Property Filter—we sit down with David Dixon, a former assistant headteacher turned full-time property investor, mentor, and backgammon competitor (yes, really).David shares how he transitioned from the classroom to a cashflowing property portfolio, why he pivoted from HMOs to low-maintenance units, and how financial freedom has enabled him to focus on family, purpose, and passion.🎧 Expect practical tips, personal truths, and property wisdom built over 25+ years of real-world investing.💡 You’ll learn:✅ The unexpected lessons from managing difficult tenants and how to protect your mental health✅ Why converting HMOs to self-contained flats changed David’s business—and life✅ How he’s supporting his son’s unique needs while continuing to grow his portfolio✅ The importance of “T-I-M-E” when it comes to being a great dad and business owner✅ And yes, how to win at backgammon 🥇This one’s equal parts strategy and soul.Stay connected with us through our social media channels: Facebook: ⁠⁠https://www.facebook.com/propertyportfoliobuilding/LinkedIn: ⁠⁠ ⁠https://www.linkedin.com/company/propertyportfoliobuilding/ Instagram: ⁠⁠https://www.instagram.com/propertyportfoliobuildinguk/YouTube: ⁠⁠youtube.com/@propertyportfoliobuilding/⁠⁠Websites: ⁠⁠propertyportfoliobuilding.co.uk⁠⁠ & ⁠⁠invest-prop.co.uk⁠⁠Connect with our hosts:Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/Facebook: ⁠https://www.facebook.com/phil.y.bygraveGet in touch with Tim here:LinkedIn: ⁠⁠https://www.linkedin.com/in/timothy-witt-77b0275b/⁠⁠ Facebook: ⁠https://www.linkedin.com/in/timothy-witt-77b0275b/COME AND MEET US http://www.manchesternorthpin.co.uk use "bygrave" to attend for free!For all enquiries, please contact us at: ⁠podcast@invest-prop.co.uk

In this special edition of The Financial Freedom Podcast, Tim and Phil go head-to-head in a rapid-fire breakdown of six popular asset classes. From Property, Precious Metals, Listed Stocks and Shares, EIS / SEIS Angel Investment, Setting up a Company, and Crypto Currency. Whether you’re starting out or refining your wealth-building strategy, this episode uncovers the pros, cons, and real-world insights you actually need to know. No fluff. Just real talk from real investors navigating today’s markets.💡 You’ll learn: ✅ The difference between building vs. buying a business ✅ Which asset classes offer the best mix of cashflow & capital growth ✅ Why property still holds its ground—and where it doesn’t ✅ What crypto, gold, and index funds have in common (and what they don’t)This is essential listening for anyone who’s ready to level up their investment game and take a smarter, more strategic approach to financial freedom in 2025 and beyond.Stay connected with us through our social media channels: Facebook: ⁠⁠https://www.facebook.com/propertyportfoliobuilding/LinkedIn: ⁠⁠ ⁠https://www.linkedin.com/company/propertyportfoliobuilding/ Instagram: ⁠⁠https://www.instagram.com/propertyportfoliobuildinguk/YouTube: ⁠⁠youtube.com/@propertyportfoliobuilding/⁠⁠Websites: ⁠⁠propertyportfoliobuilding.co.uk⁠⁠ & ⁠⁠invest-prop.co.uk⁠⁠Connect with our hosts:Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/Facebook: ⁠https://www.facebook.com/phil.y.bygraveGet in touch with Tim here:LinkedIn: ⁠⁠https://www.linkedin.com/in/timothy-witt-77b0275b/⁠⁠ Facebook: ⁠https://www.linkedin.com/in/timothy-witt-77b0275b/COME AND MEET US http://www.manchesternorthpin.co.uk use "bygrave" to attend for free!For all enquiries, please contact us at: ⁠podcast@invest-prop.co.uk

In this powerful episode, we sit down with Simon Kites partner at a national accountancy firm, globe-trotter, and now, an active property investor with a purpose. From running marathons in costume to changing his name by deed poll to honour his family legacy, Simon shares a life story that blends career success, personal reflection, and a deep desire to create generational wealth.Simon talks openly about his early mistakes in overseas property, the lessons learned from DIY investing, and how he’s now built a high-performing HMO portfolio with his sons—laying the foundation for their financial future.We also dive into: ✅ How a busy professional balances career, life, and investing ✅ Why outsourcing changed his property journey for the better ✅ How to involve your family in your financial plans ✅ What financial freedom really means when you already earn well ✅ The mindset shift from income-rich to asset-buildingThis is an honest, thoughtful, and inspiring listen for anyone looking to build wealth while staying grounded in what truly matters.Stay connected with us through our social media channels: Facebook: ⁠⁠https://www.facebook.com/propertyportfoliobuilding/LinkedIn: ⁠⁠ ⁠https://www.linkedin.com/company/propertyportfoliobuilding/ Instagram: ⁠⁠https://www.instagram.com/propertyportfoliobuildinguk/YouTube: ⁠⁠youtube.com/@propertyportfoliobuilding/⁠⁠Websites: ⁠⁠propertyportfoliobuilding.co.uk⁠⁠ & ⁠⁠invest-prop.co.uk⁠⁠Connect with our hosts:Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/Facebook: ⁠https://www.facebook.com/phil.y.bygraveGet in touch with Tim here:LinkedIn: ⁠⁠https://www.linkedin.com/in/timothy-witt-77b0275b/⁠⁠ Facebook: ⁠https://www.linkedin.com/in/timothy-witt-77b0275b/COME AND MEET US http://www.manchesternorthpin.co.uk use "bygrave" to attend for free!For all enquiries, please contact us at: ⁠podcast@invest-prop.co.uk

In this deep-dive technical episode of The Financial Freedom Podcast, Tim and Phil explore one of the most in-demand property strategies right now: converting commercial buildings into residential units. From navigating planning use classes like Class E and C3 to understanding permitted development rights under Class MA and G, this episode is packed with real-world advice for investors ready to take the next step.We share our personal case study of turning a derelict Victorian mill into 10 stylish flats—with all the planning wins, design challenges, and hidden costs along the way. If you’ve ever considered stepping into small-scale development or wondered if a shop or office block could be your next project, this episode will answer your questions and highlight the risks to avoid.What you’ll learn in this episode:✅ The difference between Class MA and Class G—and how to use them✅ What makes a building suitable (or not) for permitted development✅ The real cost of converting commercial spaces (and where people go wrong)✅ How to avoid the planning traps and use planning law to your advantage✅ Our own 2-year journey converting a historic mill into residential units✅ Top tips to navigate space standards, fire regs, and building controlWhether you're an HMO investor levelling up or a developer looking for your next niche, this is a must-listen for anyone exploring commercial to residential conversions in 2025.Stay connected with us through our social media channels: Facebook: ⁠⁠https://www.facebook.com/propertyportfoliobuilding/LinkedIn: ⁠⁠ ⁠https://www.linkedin.com/company/propertyportfoliobuilding/ Instagram: ⁠⁠https://www.instagram.com/propertyportfoliobuildinguk/YouTube: ⁠⁠youtube.com/@propertyportfoliobuilding/⁠⁠Websites: ⁠⁠propertyportfoliobuilding.co.uk⁠⁠ & ⁠⁠invest-prop.co.uk⁠⁠Connect with our hosts:Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/Facebook: ⁠https://www.facebook.com/phil.y.bygraveGet in touch with Tim here:LinkedIn: ⁠⁠https://www.linkedin.com/in/timothy-witt-77b0275b/⁠⁠ Facebook: ⁠https://www.linkedin.com/in/timothy-witt-77b0275b/COME AND MEET US http://www.manchesternorthpin.co.uk use "bygrave" to attend for free!For all enquiries, please contact us at: ⁠podcast@invest-prop.co.uk

You may know him as the man behind propertyCEO the UK’s leading property development training platform—but in this deeply personal episode of The Financial Freedom Podcast, we get to know Ritchie Clapson, the person behind the brand.With over 40 years in the property and construction industry, Ritchie’s track record speaks for itself: a chartered structural engineer, co-founder of a consultancy that worked on major projects like the Olympic Stadium, and now a respected mentor guiding others into the world of small-scale development. But this episode isn’t just about business—it’s about identity, reinvention, and what really matters once the targets have been hit.After selling his business for seven figures, Ritchie found himself unexpectedly adrift. What followed wasn’t a retirement filled with golf and relaxation—it was a search for renewed purpose. And he found it, not in property deals, but in helping others realise their potential. That became his new mission—and the driving force behind propertyCEO.In this honest and entertaining conversation, Ritchie shares the ups, the pivots, and what he’s learned about business, fulfilment, and the power of teaching others to build something meaningful.What You’ll Learn in This Episode:✅ Why hitting big goals isn’t the finish line—and what really comes after✅ How Richie rediscovered purpose through mentoring and teaching✅ The mindset shift from building projects to building people✅ Why small-scale development (5–20 units) is the smartest play in 2025✅ How to build the right team and avoid the classic developer trapsWhether you’ve trained with him, watched him speak, or follow his work—this episode reveals the man behind propertyCEO. It’s reflective, direct, and packed with insight for anyone building their own path in property.Will use this one to all platformsStay connected with us through our social media channels: Facebook: ⁠⁠https://www.facebook.com/propertyportfoliobuilding/LinkedIn: ⁠⁠ ⁠https://www.linkedin.com/company/propertyportfoliobuilding/ Instagram: ⁠⁠https://www.instagram.com/propertyportfoliobuildinguk/YouTube: ⁠⁠youtube.com/@propertyportfoliobuilding/⁠⁠Websites: ⁠⁠propertyportfoliobuilding.co.uk⁠⁠ & ⁠⁠invest-prop.co.uk⁠⁠Connect with our hosts:Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/Facebook: ⁠https://www.facebook.com/phil.y.bygraveGet in touch with Tim here:LinkedIn: ⁠⁠https://www.linkedin.com/in/timothy-witt-77b0275b/⁠⁠ Facebook: ⁠https://www.linkedin.com/in/timothy-witt-77b0275b/COME AND MEET US http://www.manchesternorthpin.co.uk use "bygrave" to attend for free!For all enquiries, please contact us at: ⁠podcast@invest-prop.co.uk#FinancialFreedomPodcast #WealthCreation #PropertyInvesting #FinanceStrategies #HMOs

In this episode of The Financial Freedom Podcast, we sit down with Rob Peters, the owner and principal financial advisor of Simple Fast Mortgages. With years of experience in complex property finance, Rob has helped countless investors and developers secure the right funding to scale their portfolios. As a property investor himself, he understands the challenges of navigating finance, managing risk, and building long-term wealth.✅ How to structure property finance for success✅ The biggest mistakes investors make with mortgages✅ Why cash flow is key to financial freedom✅ How strategic financing can accelerate portfolio growthThis episode is packed with expert insights, real-life experiences, and actionable advice to help you make smarter financial decisions on your property journey. Don’t miss out!Stay connected with us through our social media channels: Facebook: ⁠⁠https://www.facebook.com/propertyportfoliobuilding/LinkedIn: ⁠⁠ ⁠https://www.linkedin.com/company/propertyportfoliobuilding/ Instagram: ⁠⁠https://www.instagram.com/propertyportfoliobuildinguk/YouTube: ⁠⁠youtube.com/@propertyportfoliobuilding/⁠⁠Websites: ⁠⁠propertyportfoliobuilding.co.uk⁠⁠ & ⁠⁠invest-prop.co.uk⁠⁠Connect with our hosts:Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/Facebook: ⁠https://www.facebook.com/phil.y.bygraveGet in touch with Tim here:LinkedIn: ⁠⁠https://www.linkedin.com/in/timothy-witt-77b0275b/⁠⁠ Facebook: ⁠https://www.linkedin.com/in/timothy-witt-77b0275b/COME AND MEET US http://www.manchesternorthpin.co.uk use "bygrave" to attend for free!For all enquiries, please contact us at: ⁠podcast@invest-prop.co.uk

In this episode of The Financial Freedom Podcast, we sit down with Derek, a lead GP covering 52 practices, a YouTube creator with 500K views, and now a successful property investor. In just 12 months, he’s built a thriving HMO portfolio—scaling quickly while balancing a demanding medical career, a growing family, and an expanding digital presence.In this session, we dive deep into how he transitioned from medicine to property investing, how he systematised his approach, and what he’s learnt along the way. Whether you're an aspiring investor, a busy professional looking for additional income streams, or just curious about balancing multiple ventures, this episode is packed with real-life insights, strategies, and inspiration to help you on your journey to financial freedom!Stay connected with us through our social media channels: Facebook: ⁠⁠https://www.facebook.com/propertyportfoliobuilding/LinkedIn: ⁠⁠ ⁠https://www.linkedin.com/company/propertyportfoliobuilding/ Instagram: ⁠⁠https://www.instagram.com/propertyportfoliobuildinguk/YouTube: ⁠⁠youtube.com/@propertyportfoliobuilding/⁠⁠Websites: ⁠⁠propertyportfoliobuilding.co.uk⁠⁠ & ⁠⁠invest-prop.co.uk⁠⁠Connect with our hosts:Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/Facebook: ⁠https://www.facebook.com/phil.y.bygraveGet in touch with Tim here:LinkedIn: ⁠⁠https://www.linkedin.com/in/timothy-witt-77b0275b/⁠⁠ Facebook: ⁠https://www.linkedin.com/in/timothy-witt-77b0275b/COME AND MEET US http://www.manchesternorthpin.co.uk use "bygrave" to attend for free!For all enquiries, please contact us at: ⁠podcast@invest-prop.co.uk