Hello and welcome to another episode of the Expat Property Podcast, a channel that brings you weekly episodes designed to offer valuable discussions on property investment strategies, challenges, and solutions tailored to the unique needs of expats investing in the UK property market.

Today, I'm joined by someone I personally owe a lot to—Richie Miller.

Richie's journey is one of discipline, mindset, and action. A former Army officer who travelled the world in service, he made the bold move from military life to a career in property. And that switch didn't come easy.

In this episode, Richie shares the pivotal mindset shift that led him to leave the Army, the sacrifices he made to learn the ropes while holding down a full-time job, and how that decision has paid off, giving him the freedom to work less than 25 hours a week and even home-school his children.

We get into the simple but powerful steps anyone can take to find great property deals, and how consistency is the real secret to success. Richie used these very steps to land a 48-bed HMO, and he breaks down how that came to be.

We also dive into working with letting agents, building long-term relationships, and finding the right JV partners.

Today, Richie runs a niche mentoring business helping experienced landlords, or those ready to buy big, scale with confidence. His philosophy? The workload's the same whether it's a 4-bed or 48-bed HMO, so you may as well go big.

He's a seriously experienced investor and a top mentor.

Let's get into it.

This podcast is part of the wider ecosystem of support we've built within Expat Property People. Whether you're new to property investing or looking to expand your portfolio, this dynamic platform brings together expat investors, property service providers, and industry experts to create opportunities, share insights, and foster long-term success. We offer monthly networking meetings, mentoring services, connections with service providers, and opportunities for expats to grow wealth in a hands-off manner.

Visit expatpropertypeople.com to learn more and don't forget to subscribe to the podcast and share it with like-minded people. Finally, connect with us on our social channels for more insights and updates:

Instagram: @steve_cowgill @expatpropertypeople

Facebook: Stephen.Cowgill1

Hello and welcome to another episode of the Expat Property Podcast, a channel that brings you weekly episodes designed to offer valuable discussions on property investment strategies, challenges, and solutions tailored to the unique needs of expats investing in the UK property market.

In this episode, I'm joined by Adam West, founder of The Landlord Utility Group (TLUG). Adam's journey started as an electrical apprentice before moving into sales in the utilities sector, a background that gave him a unique perspective when he began building his own property portfolio, including flips, buy-to-lets,but more importantly, HMOs, and serviced accommodation.

Seeing firsthand the chaos that comes with managing utilities across multiple tenancies, Adam spotted a problem that needed solving, and TLUG was born. We dive into how he built and systemised the business to serve HMO and SA landlords, including expats, who need fast, reliable, and professional utility management.

We also talk about the mindset needed to grow as an entrepreneur, from staying focused and learning to say no, to building a solid team, staying active and healthy, and knowing when to pivot. If you're managing multiple properties or just want to hear how one investor turned a problem into a thriving business, this episode is packed with insight.

This podcast is part of the wider ecosystem of support we've built within Expat Property People. Whether you're new to property investing or looking to expand your portfolio, this dynamic platform brings together expat investors, property service providers, and industry experts to create opportunities, share insights, and foster long-term success. We offer monthly networking meetings, mentoring services, connections with service providers, and opportunities for expats to grow wealth in a hands-off manner.

Visit expatpropertypeople.com to learn more and don't forget to subscribe to the podcast and share it with like-minded people. Finally, connect with us on our social channels for more insights and updates:

Instagram: @steve_cowgill @expatpropertypeople

Facebook: Stephen.Cowgill1

https://www.instagram.com/thelandlordutilitygroup?igsh=ZjVkaTl2c2QwOTB1 @thelandlordutilitygroup

Hello and welcome to another episode of the Expat Property Podcast, a channel that brings you weekly episodes designed to offer valuable discussions on property investment strategies, challenges, and solutions tailored to the unique needs of expats investing in the UK property market.

In today's episode, I'm joined by my good friend Lyndsay Yiull, a brilliant property investor and the driving force behind a thriving letting agency in Scotland. 🇬🇧✨

From her early career in the care sector to launching networking events and building an impressive portfolio of flips and buy-to-lets, Lyndsay's journey is nothing short of inspiring. We dig into how landlords can attract quality tenants, systemise property management, and stay compliant without losing sleep. Her insights are smart, grounded, and incredibly practical—especially for expats managing from afar.

We dive into mindset, data, systems, and the power of building community in the world of property. If you're ready to scale up and take your investing to the next level, this one's a must-listen.This podcast is part of the wider ecosystem of support we've built within Expat Property People.

Whether you're new to property investing or looking to expand your portfolio, this dynamic platform brings together expat investors, property service providers, and industry experts to create opportunities, share insights, and foster long-term success. We offer monthly networking meetings, mentoring services, connections with service providers, and opportunities for expats to grow wealth in a hands-off manner.

Visit expatpropertypeople.com to learn more and don't forget to subscribe to the podcast and share it with like-minded people.

Finally, connect with us on our social channels for more insights and updates:

Instagram:

@steve_cowgill

@expatpropertypeople

Facebook:

Stephen.Cowgill1

https://www.linkedin.com/in/lyndsay-yuill-609a3230/

https://www.facebook.com/profile.php?id=100057459519616

https://www.facebook.com/rentlocallyltd/

https://www.instagram.com/rentlocally_ltd/?hl=en

Hello and welcome to another episode of the Expat Property Podcast, a channel that brings you weekly episodes designed to offer valuable discussions on property investment strategies, challenges, and solutions tailored to the unique needs of expats investing in the UK property market.

In this episode, I'm re-sharing my interview on the Ultimate FD Podcast, with Josh Keegan, and for good reason.

Over the next few months, I believe there'll be more deals available than ever before. Landlords are leaving the market, housing stock is increasing, and yet the demand for housing continues to grow.

But in this shifting landscape, knowing your numbers is what separates the good from the great. Whether you're trying to assess if a deal is actually profitable, or ensure your portfolio is still performing overtime, financial clarity is everything.

Josh and I dive into my personal journey, from financial chaos to clarity, and how that transformation came when I stopped trying to do it all myself and brought in the right experts. We talk about building a proper finance function, the impact of monthly management accounts, and how this one change has improved not just my decision-making, but my long-term strategy.

Whether you're looking to grow, sell, or simply take back control, this episode is packed with insight to help you level up.

Hit play and let's get into it.

This podcast is part of the wider ecosystem of support we've built within Expat Property People. Whether you're new to property investing or looking to expand your portfolio, this dynamic platform brings together expat investors, property service providers, and industry experts to create opportunities, share insights, and foster long-term success. We offer monthly networking meetings, mentoring services, connections with service providers, and opportunities for expats to grow wealth in a hands-off manner.

Visit expatpropertypeople.com to learn more and don't forget to subscribe to the podcast and share it with like-minded people. Finally, connect with us on our social channels for more insights and updates:

Instagram: @steve_cowgill @expatpropertypeople

Facebook: Stephen.Cowgill1

Hello and welcome to another episode of the Expat Property Podcast, a channel that brings you weekly episodes designed to offer valuable discussions on property investment strategies, challenges, and solutions tailored to the unique needs of expats investing in the UK property market.

In today's episode, I pull back the curtain on what it takes to manage a demanding career and build a property portfolio from overseas.

We dive into: 🔹 How to make time for property, even when life's busy 🔹 Why you don't have to choose between career and investing 🔹 The "magic number" every expat investor should know 🔹 Why property remains a powerful tool for long-term freedom

This one's raw, relatable, and packed with tips from someone who's walking the same path. If you've ever wondered how to make it all work, this is the episode to listen to.

We dive into mindset, data, systems, and the power of building community in the world of property. If you're ready to scale up and take your investing to the next level, this one's a must-listen.This podcast is part of the wider ecosystem of support we've built within Expat Property People. Whether you're new to property investing or looking to expand your portfolio, this dynamic platform brings together expat investors, property service providers, and industry experts to create opportunities, share insights, and foster long-term success. We offer monthly networking meetings, mentoring services, connections with service providers, and opportunities for expats to grow wealth in a hands-off manner.

Visit expatpropertypeople.com to learn more and don't forget to subscribe to the podcast and share it with like-minded people. Finally, connect with us on our social channels for more insights and updates:

Instagram: @steve_cowgill @expatpropertypeople

Facebook: Stephen.Cowgill1

Hello and welcome to another episode of the Expat Property Podcast, a channel that brings you weekly episodes designed to offer valuable discussions on property investment strategies, challenges, and solutions tailored to the unique needs of expats investing in the UK property market.

In today's solo episode, I'm stepping behind the mic to share what it really takes to juggle full-time work, a UK property portfolio, and a growing global community of expat investors.

We dive into: 🔹 The habits that keep me focused and productive 🔹 How I manage my time without burning out 🔹 The biggest lessons I've learned from building the Expat Property People platform 🔹 Practical strategies that you can use to stay calm, consistent, and in control

This one's real, honest, and packed with actionable insight for any expat navigating the property game while balancing a busy life.

We dive into mindset, data, systems, and the power of building community in the world of property. If you're ready to scale up and take your investing to the next level, this one's a must-listen.This podcast is part of the wider ecosystem of support we've built within Expat Property People. Whether you're new to property investing or looking to expand your portfolio, this dynamic platform brings together expat investors, property service providers, and industry experts to create opportunities, share insights, and foster long-term success. We offer monthly networking meetings, mentoring services, connections with service providers, and opportunities for expats to grow wealth in a hands-off manner.

Visit expatpropertypeople.com to learn more and don't forget to subscribe to the podcast and share it with like-minded people. Finally, connect with us on our social channels for more insights and updates:

Instagram: @steve_cowgill @expatpropertypeople

Facebook: Stephen.Cowgill1

Hello and welcome to another episode of the Expat Property Podcast, a channel that brings you weekly episodes designed to offer valuable discussions on property investment strategies, challenges, and solutions tailored to the unique needs of expats investing in the UK property market.

I'm joined by Guillaume Black, founder and CEO of Property Filter, as he shares his inspiring journey from engineer to tech entrepreneur and expat property investor. Frustrated with wasting time on the wrong deals, Guillaume built a platform that's now helped investors submit over £600M in offers in just 12 months. Property Filter has become more than a tool, it's a movement of action-takers reshaping how deals are found and secured.

We dive into mindset, data, systems, and the power of building community in the world of property. If you're ready to scale up and take your investing to the next level, this one's a must-listen.This podcast is part of the wider ecosystem of support we've built within Expat Property People. Whether you're new to property investing or looking to expand your portfolio, this dynamic platform brings together expat investors, property service providers, and industry experts to create opportunities, share insights, and foster long-term success. We offer monthly networking meetings, mentoring services, connections with service providers, and opportunities for expats to grow wealth in a hands-off manner.

Visit expatpropertypeople.com to learn more and don't forget to subscribe to the podcast and share it with like-minded people. Finally, connect with us on our social channels for more insights and updates:

Instagram: @steve_cowgill @expatpropertypeople

Facebook: Stephen.Cowgill1

Hello and welcome to another episode of the Expat Property Podcast, a channel that brings you weekly episodes designed to offer valuable discussions on property investment strategies, challenges, and solutions tailored to the unique needs of expats investing in the UK property market.

In today's episode, I'm joined by Katie Harvey, a young entrepreneur who swapped university for the property world, and hasn't looked back since. From training as an electrician to building a successful rent-to-rent business with her family, Katie shares her journey with honesty, energy, and insight.

We explore how she overcame early challenges, stayed true to her passion, and built a business that reflects her values. If you're navigating your own path to success, this episode is packed with wisdom, resilience, and inspiration.

This podcast is part of the wider ecosystem of support we've built within Expat Property People. Whether you're new to property investing or looking to expand your portfolio, this dynamic platform brings together expat investors, property service providers, and industry experts to create opportunities, share insights, and foster long-term success. We offer monthly networking meetings, mentoring services, connections with service providers, and opportunities for expats to grow wealth in a hands-off manner.

Visit expatpropertypeople.com to learn more and don't forget to subscribe to the podcast and share it with like-minded people. Finally, connect with us on our social channels for more insights and updates:

Instagram: @steve_cowgill @expatpropertypeople

Facebook: Stephen.Cowgill1

Hello and welcome to another episode of the Expat Property Podcast, a channel that brings you weekly episodes designed to offer valuable discussions on property investment strategies, challenges, and solutions tailored to the unique needs of expats investing in the UK property market.

In today's episode, I'm joined by fellow expat and investor Gary Gayner, who shares how he built his own UK property portfolio from overseas and how he now helps other expats do the same.

With over 20 years of experience in construction and a passion for personal development, Gary reveals the power of having the right team, the importance of education, and why being crystal clear on your goals is the foundation for success If you're a busy expat looking to create long-term wealth and build a legacy, this episode is one to mark on your calendar.

This podcast is part of the wider ecosystem of support we've built within Expat Property People. Whether you're new to property investing or looking to expand your portfolio, this dynamic platform brings together expat investors, property service providers, and industry experts to create opportunities, share insights, and foster long-term success. We offer monthly networking meetings, mentoring services, connections with service providers, and opportunities for expats to grow wealth in a hands-off manner.

Visit expatpropertypeople.com to learn more and don't forget to subscribe to the podcast and share it with like-minded people. Finally, connect with us on our social channels for more insights and updates:

Instagram: @steve_cowgill @expatpropertypeople

Facebook: Stephen.Cowgill1

Hello and welcome to another episode of the Expat Property Podcast, a channel that brings you weekly episodes designed to offer valuable discussions on property investment strategies, challenges, and solutions tailored to the unique needs of expats investing in the UK property market.

In today's episode, I'm joined by Gareth Morgan, a seasoned property investor and finance expert who shares his journey from mortgage advisor to full-time property investor.

We explore how Gareth used his curiosity, business acumen, and personal development mindset to learn how to invest using other people's money, and how he now helps expat investors navigate the lending landscape with clarity and confidence. Whether you're unsure about how to prepare your documents or struggling with lender requirements, Gareth shares practical advice on how to secure finance, build your power team, and take action, no matter where you are in the world.

This podcast is part of the wider ecosystem of support we've built within Expat Property People. Whether you're new to property investing or looking to expand your portfolio, this dynamic platform brings together expat investors, property service providers, and industry experts to create opportunities, share insights, and foster long-term success. We offer monthly networking meetings, mentoring services, connections with service providers, and opportunities for expats to grow wealth in a hands-off manner.

Visit expatpropertypeople.com to learn more and don't forget to subscribe to the podcast and share it with like-minded people. Finally, connect with us on our social channels for more insights and updates:

Instagram: @steve_cowgill @expatpropertypeople

Facebook: Stephen.Cowgill1