In today’s episode, I break down one of the most overlooked parts of running a successful property business - how you structure it. Most investors talk about yield, rent, and refinancing, but few think about what happens after they’ve made the money. Without the right structure, a huge chunk of your profits can disappear in tax - money that could have stayed in your business, been reinvested, and compounded into something far bigger over time. I reveal how smart tax planning and business stru...
In today’s episode, I break down the Renters Rights Act, the biggest shake-up to the UK rental market in decades, and explain what it really means for HMO landlords. This new legislation completely rewrites the rules for landlords, from the removal of fixed-term tenancies and Section 21 evictions to rent increases, pets, and the launch of a national landlord register. It’s a huge change that adds complexity and risk, but for those who understand it and prepare early, it also creates an incred...
In today’s episode, I break down the 14 key numbers every serious HMO investor should be tracking — the exact metrics that separate property owners from true property business owners. Over the years, I’ve seen countless investors who know their rent roll but have no idea how their portfolio is actually performing. In this solo deep dive, I walk you through the essential calculations, from yields and ratios to returns and risk measures, that reveal how efficient, profitable, and resilient your...
In today’s episode, I sit down with Craig Fisher, the founder of CF Commercial, HausProud Living, and co-founder of Yvonne Ellen, to unpack how he’s built a £250k-per-year HMO portfolio while running several multi-million-pound businesses. Craig joined my mentorship programme in June 2023, and together we’ve focused on building a simple, repeatable model that works. In this conversation, I pull back the curtain on the exact deal criteria, refurb standards, KPIs, and risk controls Craig uses t...
This week, I’m sitting down with Laura Ackers of Haus Property, someone I’ve had the privilege to watch go from zero property background to a Manchester-based HMO portfolio that’s given her and her husband Dan genuine freedom. In just a few years, they’ve stepped away from their jobs, systemised the business, and moved their young family to Mallorca on a three-year visa. Here’s what we cover in the episode: 03:46 - The Journey From Hairdressing to Property Investment09:54 - The Challeng...
There’s a lot of fear in the market right now. Everywhere I look, investors are sitting on their hands or even thinking about selling up. The media is full of doom and gloom, interest rates are high, the Renters Reform Act is looming, and costs are up across the board. But here’s the truth - this is exactly when real opportunities appear. When everyone else is frozen, the smart investors are looking the other way. In this episode, I dive deep into why I genuinely believe we could be standing ...
In this episode, I’m joined by Dr. Michael Taylor of Parable Property, who spent years working as a GP before deciding it was time for a complete change. Michael shares how he left behind the security of medicine to take on the uncertainty of building his own property portfolio - something many people dream about but few have the courage to actually do. What I love about Michael’s story is how honest he is about the journey. He faced big setbacks at the start, but instead of walking away, he ...
If you’re in property long enough, something will go wrong and I’ve been there more times than I can count. Builders have disappeared, finance has fallen through at the eleventh hour, planning has thrown me curveballs, and valuations have come in soft. The truth is, these challenges aren’t the exception… they’re the rule. In this episode, I’m sharing the simple framework I use to deal with setbacks without letting them knock me off course: the 3 R’s of Resilience - React, Reframe, Recover. Ov...
This week, we’re shaking things up. Instead of focusing on a single topic, I’m sharing some of the most thought-provoking debates and discussions happening right now inside the HMO community. The truth is, the best ideas don’t just come from me sitting here deciding what to talk about — they come from you. From the questions you’re asking, the challenges you’re tackling, and the creative strategies you’re putting forward. And because we don’t always agree, the conversations are all the more v...
Today, I’ve got Ellie Broadhurst, our specialist mortgage broker back on the show. With the media shouting about property crashes, falling prices, lenders pulling deals, and down valuations, I wanted to sit down with Ellie to find out what’s really happening. Because on the ground, it feels very different. In this episode, we dig into the truth behind the headlines: what’s going on with interest rates, how valuations are looking, what lenders actually think about HMOs right now, and whether t...
Is property investment dead, or is it just changing? In this episode of The HMO Podcast, I dive into the challenges facing investors right now - from economic pressures and new legislation to shifting market dynamics. But it’s not all bad news. I’ll share why a low-sentiment market can actually present some of the best opportunities, and why taking a long-term perspective is key to navigating today’s property landscape. Here’s what we cover in the episode: 02:50 Current Economic Climate...
Today I’m joined by Sam Carter of SJC Property Developments, who’s showing us that it’s absolutely possible to make property deals work—even in one of the most expensive parts of the country. Sam and his family are building a thriving business in Cambridge, and their latest project is nothing short of remarkable. They secured a property that was originally on the market for £725,000 at a bargain price, applied a smart strategy with multiple exit options, and turned it into a deal that generat...
In today’s episode, I’m sitting down with Kazy from Property by Kazy for a no-holds-barred conversation about my journey in property and what it’s really taken to build the businesses I have today. We cover it all—the hard truths, the challenges I’ve faced, the mistakes I’ve made, and the realities that don’t often get talked about. But it’s not all doom and gloom—we also dive into the exciting opportunities ahead for property investors and why, despite the ups and downs, this journey is wort...
Today, I’m joined once again by a familiar face on the podcast — Rebecca Alcock. You might remember Rebecca from our January episode. She’s a former mentee of mine who, alongside her husband Jolly, has gone on to achieve some incredible things in the HMO world. This time, Rebecca’s back with some very exciting news to share. I won’t spoil the surprise just yet, but I was keen to dig into exactly how she’s built such success, the challenges she’s overcome, and the strategies that have worked f...
Emma Estill and her husband Dan from Stylish Living started their property journey in 2019 with simple three-bed terraces. Just a few years later, they’re developing £3 million sites, running their own build team, and managing multiple businesses in property. In this episode, Emma shares how they scaled through challenges, stayed family-focused, and built success by taking on tough projects. We’ll also discuss their standout deal — a derelict nightclub with planning and access issues that mos...
In this episode, we’re diving into one of the most important pillars of property investing – risk. It’s the foundation behind every decision we make, yet too many investors spend far too little time thinking about what risks they face, where they come from, and how to manage them. After nearly 20 years in this game, I’ve learned that becoming more risk-aware doesn’t mean doing fewer deals – it means doing better ones. As I’ve grown older, with more to lose and more people depending on me, I’v...
In this special rewind episode, I’m sharing what is hands down one of the most important and most downloaded episodes I’ve ever recorded. Originally a talk I gave at the HMO Awards, it’s packed with the 5 biggest lessons I’ve learned from scaling my own portfolio and from some of the most successful investors I know. If you're working towards 10 properties, aiming for that £10K/month milestone, or just need a bit of motivation to cut through the noise, this one's for you. These are the lesson...
In today’s episode, I’m sharing one of my honest, no-filter business updates. It’s been a while since the last one in February, and there’s a good reason I’ve waited until now. I’ll be lifting the lid on what’s been happening in my world: from the latest in my development and HMO businesses, to everything I’ve been juggling outside of work. These updates are my way of keeping things real and transparent with you. Yes, I’m a property investor and business owner, but like many of you, I’m also ...
If you're spending way too much time looking at HMO deals that just don’t stack up, this episode is for you. I’m breaking down the exact 60-second check I use to quickly filter out the rubbish - and trust me, this will save you hours (and probably a few headaches too). Here’s what we cover: 02:20 - The Importance of Efficient Deal Filtering05:42 - Key Metrics for Evaluating HMO Deals11:47 - Understanding Planning and Its Implications17:39 - Refurbishment Costs and Their Impact on DealsThese q...
Are you working harder than ever on your HMO business, but still not seeing the progress you expected? You’re not alone and this episode is here to help. We’re diving into the reasons so many HMO investors get stuck spinning plates, and the practical steps you can take to finally break through and scale towards that £10k-a-month milestone. Here’s what we cover: 01:36 – The key challenges holding your HMO business back 10:35 – Proven strategies to overcome stagnation 11:06 – Ho...