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The Property Podcast
Author: Rob Bence and Rob Dix from The Property Hub
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© 2024 Rob Bence and Rob Dix from Property Hub
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The Property Podcast from Property Hub (propertyhub.net) is the podcast for all property investors – new or experienced. Rob Bence and Rob Dix discuss a different property topic and property news item each week, passing on their knowledge and experience to the listeners. They both invest in UK Property so they practise what they preach. No hard sell, no bull just straight talking property investment advice!
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Rob & Rob are back to offer their advice to two more listeners!
(0:42) Since buying his first property in Derby in 2021, Carl’s now completing on a fourth in Doncaster, with the portfolio’s value increasing by over £80,000 in just three years! With two mortgages due for renewal in 18 months, he's considering remortgaging, but is concerned about the potential impact of capital gains tax if he decides to sell later, and it exceeds the new mortgage. He turns to Rob & Rob for their advice - what will they suggest?
(4:35) Luke’s eager to build a career in the property industry, where his true passion lies. With a background in recruitment and customer service, he asks the guys for their tips on breaking into the property world professionally.
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Send us your question by calling us on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply) or click here to leave a recording via your computer instead.
Find out more about Property Hub Invest
The wait is over! After months of anticipation, the budget announcement has finally dropped.
With endless speculation around changes to capital gains tax and more, landlords and investors have been left wondering what these updates mean for their investments.
In this episode, Rob & Rob share their candid reactions and break down the budget’s biggest announcements every investor needs to know.
Find out how these changes could impact the property world and what it means for your investment strategy – tune in now!
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Happy Tuesday! Rob & Rob are back and answering two more of your questions!
(0:38) With four properties in the South-East, split between personal ownership and a limited company, Richard’s weighing up the investment potential of the area against the rest of the country. He’s considering selling and reinvesting in the North, where he believes yields and growth are more promising. But with costs like capital gains tax and stamp duty, he’s wondering if it’s really worth it. What advice will the guys have for him?
(5:38) Andy just bought a luxury two-bedroom apartment in Manchester City Centre, part of a 400-unit block mostly owned by investors. With many landlords dropping their rents to fill their properties faster, he’s wondering if he should do the same or hold out for the higher income he expected when he bought it.
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With the mortgage market in flux, interest rates making headlines, and the upcoming budget looming, the big question is: what’s the smartest move right now? Today, we’ve got mortgage expert Nick with us to cut through the noise, answer the important questions, and offer expert advice on how to navigate the current market.
(0:59) News story of the week
(2:48) Our mortgage expert answers your questions…
(3:08) What’s the state of the mortgage market at the moment?
(4:05) What can people do to prepare for their applications?
(5:06) Will mortgage cuts happen and how aggressively?
(6:05) What rate should investors be aiming for?
(6:44) Are there any updates on arrangement fees?
(8:23) How will lenders cope with the increase in demand?
(10:34) What’s the latest on stress tests?
(12:31) Is there a particular product that will ease the stress test?
(13:00) What’s sentiment like now?
(15:08) Is there any improvement on down-valuations?
(17:46) Do you think the budget will have any effect on the market?
(19:02) Hub Extra
Links mentioned:
Capital gains raid risks sell-off of one million homes, Reeves warned
ChatGPT advanced voice mode
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Happy Tuesday! It’s time for your latest episode of Ask Rob & Rob!
(0:45) After having his offer accepted on a property, Craig discovered potential asbestos in the Artex. When he raised this, the seller claimed they no longer wanted to sell and planned to move in, but a few weeks later, the property was re-listed for sale. After losing money on searches and other costs, Craig asks Rob & Rob if he can reclaim these expenses and how to avoid this happening again.
(4:07) Simon’s eager to kickstart his property journey and is considering jumping straight into an HMO conversion. He’s found that most lenders require experience as a landlord or HMO landlord for financing and wonders how much of a difference that experience makes in terms of mortgage rates and fees. Should he start with a small buy-to-let to gain experience and potentially save money, or go straight for the HMO with more expensive financing options?
Enjoy the show?
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Send us your question by calling us on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply) or click here to leave a recording via your computer instead.
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Getting rich - it’s what we all dream of, right? But how do you turn that dream into reality? Today, we’re exploring Rob D’s new book, where he breaks down how people really get rich. And, yes, we’ll finally reveal the book’s name - tune in!
Pre-order the book, and claim exclusive bonuses – including a preview chapter you can read instantly: https://robdix.com/myths/
(0:53) News story of the week
(3:20) Rob D reveals the name of his new book and tells us what it’s all about…
(6:15) The “too risky” money myth and how you actually get rich…
(8:30) How risky is “too risky” and is it worth it?
(10:35) Managing the downside of taking risks
(12:25) Investing where you have an advantage
(16:20) Where does property investment fit into this?
(24:00) Hub Extra
Links mentioned:
Pre-order Rob D’s book here
Find out more about Property Hub Select
TPP308: Leverage: A property investor’s secret weapon
Huge shift in interest rate predictions as Bank of England chief says cuts could be more 'aggressive
Fresh rise in mortgage rates predicted
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It’s time for Ask Rob & Rob! We’ve two new property questions to tackle - let’s dive in!
(0:50) After completing his first property through a limited company, Louie’s looking at ways to boost profitability and wonders if making overpayments on his interest-only mortgage could be a smart move. He thinks by reducing his monthly interest it might increase his profits and asks Rob & Rob for their thoughts on this strategy.
(3:25) Prithvi’s curious about a recent comment from Rachel Reeves regarding a disconnect between government debt and the Bank of England. He believes this could create £16 billion of new spending, and wonders if Rob & Rob think this could impact the 18-year property cycle and a medium-term boost to the property market.
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Send us your question by calling us on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply) or click here to leave a recording via your computer instead.
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The property world was rocked by news of the Renters' Rights Bill, but that’s not all - there's been a ton happening in the market, and today Rob & Rob break it all down. Diving into the data they bring you BIG updates on house prices, latest shifts in mortgage rates, and what the upcoming budget could mean for investors.
(0:35) Our exciting Property Hub Select meetup
(1:44) BIG news on house prices
(7:50) Labor / Budget / Renters Rights
(9:40) EPC improvements
(11:30) Mortgages
(14:25) Hub Extra
Links mentioned:
Property Hub Select
TPP601: Rental Reform news: Has property just changed forever?
UK Property Just Changed FOREVER (YouTube)
House prices:
Hometrack house price index
Nationwide house price index
Halifax house price index
Politics:
Argentina Scrapped Its Rent Controls
Looming tenancy reforms will make rent-to-rent agreements much riskier
EPC:
Almost 3 million homes need improvements to meet 2030 deadline
Mortgages:
Tracker mortgages jumped by a third even as rates rose
Hub Extra:
Nobody wants this
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Rob & Rob are back with two more listener questions!
(0:44) With a £15K deposit and an average London salary, Vernon’s torn between investing now in a cheaper property in the North or keeping on saving for a higher-end buy-to-let. So, he turns to Rob & Rob for their expert advice and guidance.
(4:17) Dan’s at the start of his property investment journey. After speaking with various mortgage brokers, he asks how important it is for them to specialise in buy-to-let mortgages and be local to the area – what will the guys say?
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Send us your question by calling us on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply) or click here to leave a recording via your computer instead.
Find out more about Property Hub Invest
What’s your business moat? No, we’re not talking castles - it’s that special something that sets your business apart from others and stands the test of time.
In today’s episode, Rob & Rob break down the concept of a business moat and share how they built the one behind their £100m property business - and, most importantly, how they continue to maintain and evolve it to stay ahead of the competition.
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Give us your feedback on Instagram – Rob Bence & Rob Dix
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What’s the topic of conversation when property’s biggest players (and most influential politicians) come together? We’re joined by Nathan Spencer, who knows – because he throws the events that get them all into the same room! In our exclusive interview, he shares valuable insights from behind the scenes, including upcoming hotspots and insider information from political circles.
(0:46) News story of the week
(4:25) We bring you our property expert…
(5:50) The Glastonbury of real estate
(7:01) Who are the attendees and what’s their objectives
(8:48) Why do MP’s go there
(10:35) What’s the key themes discussed
(12:45) Inside gossip on upcoming development areas
(15:15) Sentiment around the new government
(19:02) News on institutional investment
(21:50) Networking tips
(25:40) HubExtra
Links mentioned:
Nationwide to allow first-time buyers to borrow six times their earnings
UKREiiF
Preply
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Happy Tuesday! We’ve got two new great questions to tackle – let’s dive in!
(0:42) Johnny’s looking to sell his London properties and reinvest in areas with better growth potential. He’s interested in off-plan developments but is concerned after hearing about scams involving unreliable developers. Johnny asks Rob & Rob how he can ensure the developer is trustworthy and what due diligence he should do to protect himself from any potential risks.
(5:25) Gary’s wondering if he really needs a solicitor to review the mortgage for his limited company and break down all the details, or if it's straightforward enough to handle on his own.
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While prime property locations often steal the spotlight, could exploring unloved areas be the key to your next major investment? This week, Rob & Rob take a closer look at some overlooked areas across the UK and explore why these “unloved” locations could offer serious investment potential.
(0:55) News story of the week
(2:57) Are unloved assets a good investment?
(3:47) Unloved assets: Travis Perkins and Facebook
(6:14) How do you identify the property equivalent of Travis Perkins?
(7:24) Remember the key ingredients
(11:16) Our unloved areas
(15:55) Backing it up with data
(19:16) The best of the best
(21:31) Sharing the strategy
(22:14) Hub Extra
Links mentioned:
Interest rates held at 5%
Sign up for our free weekly newsletter, Property Pulse
Enjoy the show?
Leave us a review on Apple Podcasts - it really helps others find us!
Sign up for our free weekly newsletter, Property Pulse
Find out more about Property Hub Invest
Get ready for your latest edition of Ask Rob & Rob!
(0:35) Luke’s just completed his fourth buy-to-let in South Wales and is now considering his next move. He’s weighing up whether he should continue investing in lower-value buy-to-lets or explore something new such as industrial lets.
(3:42) Tommy’s owned and lived in a 1-bed leasehold maisonette in Essex for two years, but he's now relocating to Newcastle. He wants to start investing in freehold properties within a limited company, so he’s wondering whether it’s better to sell the leasehold to invest in more properties or hold onto it for future capital growth.
Enjoy the show?
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Send us your question by calling us on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply) or click here to leave a recording via your computer instead.
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The wait is over – the new Renters’ Rights bill is out, and the changes are BIG! Will Labour’s new conditions be the final straw for landlords, or are things not as bad as they feared? Join Rob & Rob as they break down the key updates and explore what this means for landlords and tenants. Has the UK property market just changed forever? Press play to find out!
Plus, check out Rob D’s YouTube video here.
(0:35) News story of the week
(2:50) The top changes from the Renters Rights bill
(4:18) Let's kick off with no-fault evictions
(14:25) What about rent increases
(17:05) No bidding wars or offers above the asking rent – what?!
(19:55) Discrimination
(20:45) The new landlord database
(22:35) When will all this happen?
(24:12) How will this affect landlords?
(30:29) Hub Extra
Links mentioned:
Join Rob D’s launch team here
Guide to the Renters’ Rights Bill
Beneath a Scarlet Sky
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From property dilemmas to investment insights, it’s time for this week’s Ask Rob & Rob!
(0:40) Mark finds himself in a challenging dilemma with his rental property in London, where he used to live. Unaware of Section 24 when initially letting out the property, he's now paying a hefty tax bill each year. He's wondering if there's a way around this or if selling the property is his best option. What advice will Rob & Rob have for him?
(5:20) After receiving the Deed of Certificate for his leasehold flat, James has discovered that because he owns multiple properties, it’s now classified as a non-qualified lease. He’s worried this could affect the flat’s value and mortgage options, so turns to Rob & Rob for their advice.
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Send us your question by calling us on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply) or click here to leave a recording via your computer instead.
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In this special market update celebrating an incredible 600 consecutive episodes, Rob & Rob look into the latest market news – unpacking everything from diverse house price trends to how potential changes in capital gains tax may be influencing landlords’ decisions. Plus, there’s some good news on the mortgage front and a surprise twist in this week’s Hub Extra!
(0:48) What’s going on with house prices
(6:28) Are landlords selling up?
(10:20) There’s movement on the Renters’ Rights Bill
(12:02) Some positive updates about mortgages
(13:46) The latest from the world of politics
(16:25) Hub Extra (with a twist!)
Links mentioned:
Halifax: UK house price growth approaches two-year high
Nationwide house price index
Concern over housing costs hits record high across rich nations
Rise in ex-rental properties listed for sale before Budget
Rental sales appraisals rise amid landlord CGT fears
Renters’ Rights Bill set for Parliament this week
Rental bidding wars set to be banned
Lloyds Bank raises borrowing limit for first-time buyers
Coventry lowers BTL rates
James Cleverly: I would abolish stamp duty
Our Greatest Fear —Marianne Williamson
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Happy Tuesday! Rob & Rob are back and they’re answering two new listener questions!
(0:44) Owen’s curious about how you extract the cash from a capital growth-focused property portfolio. He understands that capital growth creates more wealth in the long run compared to high rental yields, but he's unsure how to access that wealth when the time comes. He turns to Rob & Rob for guidance on the best approach and whether he should rethink his overall strategy.
(4:08) James wants to know if he can request a full re-evaluation of his property from the mortgage company to reflect the improvements he’s made, which could potentially increase its value.
Enjoy the show?
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Sign up for our free weekly newsletter, Property Pulse
Send us your question by calling us on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply) or click here to leave a recording via your computer instead.
Find out more about Property Hub Invest
In today’s inspiring AOB, Rob & Rob discuss the simple yet effective ways to stand out in business – whether you're an entrepreneur, employee, or a property investor. Sharing their own real-life experiences, they reveal how these principles helped them build a top-performing podcast and a £100m property business.
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Give us your feedback on Instagram – Rob Bence & Rob Dix
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Rob & Rob rewind the clock on their property journeys to share what they did, and what they’d do differently knowing what they do now. There’s plenty to learn from their experiences and mistakes, wherever you are on your property journey.
(0:58) News story of the week
(2:27) What would The Robs do if they started again?
(3:08) How did Rob & Rob get started in property investment ?
(11:11) Looking back, what changes would they make?
(15:10) What would they do the same?
(17:27) What they still do today
(19:40) Their biggest lightbulb moments
(22:39) Rob & Rob’s advice and guidance for you
(30:48) Hub Extra
Links mentioned:
Mortgage approvals hit highest level in two years: BoE
Enjoy the show?
Leave us a review on Apple Podcasts - it really helps others find us!
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This is very incredible. I truly enjoyed it. I am here to share about hotel property management system. Introducing our state-of-the-art Hotel Property Management System - the ultimate solution to streamline operations and enhance guest experiences! More info: https://Boomnow.com
interesting podcast - thanks!
interesting! but if course the news broke about a week BEFORE this episode that the UK economy officially went into recession in Q4 2023...
surely it's more likely "Mo" means "blocks of flats" - e.g. a house converted 2 or 3 flats, rather than a whole block of 7 or 10 or 30 flats like you'd find in e.g. a new build..?
Disagree with your BOE call. The deep recession prediction was an inflation fighting tool. They can't raise rates as high as they would like, so they tried to dent confidence and reduce spending via a deep recession call. Now they say no recession, my guess is they are worried about recession and maybe even deflation, and so now are trying to inject confidence into the market. If this confidence trick doesn't work they will have to cut rates and start printing again. Thanks for the great podcast!
Real estate has become a popular investment vehicle over the last 50 years or so. Here's https://www.fittra.co.uk/property-investment/ a look at some of the leading options for individual investors, along with the reasons to invest. Real estate is considered to be its own asset class and one that should be at least a part of a well-diversified portfolio. One of the key ways investors can make money in real estate is to become a landlord of a rental property.
When you think about real estate investing, the first thing that probably comes to mind is your home. Of course, real estate investors have lots of other options when it comes to choosing investments, and they're not all physical properties.
i know you talk about magic sauce which is that property prices/ rent increaces with inflation but the money you owe staying the same as you take out a mortgage and the price is fixed at that therefore the debts value decreases. doesn't interest rates on your mortgage and the fact that your mortgage changes over time mean that the money you owe goes up with inflation?
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hi guys. I currently own a flat rented out for 3 years I am currently living in it but now looking to buy and refurbish a new property looking at houses. I have significant equity in the flat but buying the next property will cost alot in stamp duty as a second property owner. do I keep the flat and rent and still buy the house or sell the flat and buy the house refurb and move on again? thanks
Where are the show notes they speak of?
Thanks a lot for this episode, guys! 🙌🏼 Are there any books/links you can recommend on property cycles? Cheers, Alex
Start of my Property Investment Journey! Just listen to first Podcast , got a few to go! 🙈I feel like this is what If been looking for . Really felt like it was on the same wavelength.
Barclays giving 2% to Ltd if you have businesses with them already.
yes, I think it's very relevant. we trying to complete with Bank of India and very dissatisfied with lender. They asking debenture on Ltd on even future properties, that we not willing to give. So, we are looking and working with more reasonable lender . Bank of India waist 4 months before telling us about debenture , so we are at risk to loose property now. Please don't waist your time with this lender
thank you
hindi me Nahi dear Raha hai