#276

This is the first of our monthly update on all things lending and finance.

This episode discusses:

1. Bank of England Base Rate and Mortgage Rates:
2. The Return of 90% Mortgages:
3. Cut in Specialist Bridging Loan Rates:

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This Month’s Lending Headlines:

• Bank of England Holds at 3.75%
  The base rate is unchanged, but that doesn’t mean we’re in the clear. The Monetary Policy Committee is “watching and waiting”—with inflation and global events keeping everyone on their toes.
• Looking Back: How Did We Get Here?
  We dive into why rates plummeted during the COVID lockdowns, how they climbed back up in response to inflation (thanks in part to the energy crunch and events like Russia’s invasion of Ukraine), and why today’s global tensions are still influencing what you pay on your mortgage.
• Fixed-Rate Mortgages: Up, Up, and Away
  If you’re on a fixed deal, you probably appreciate the security more than ever, as typical 5-year fixed rates have jumped from 4.95% to 5.32% in just three weeks. That’s an extra £651 per year on a £250,000 loan—ouch!
• 90% Mortgages Make a Comeback
  If you have a smaller deposit, there’s good news: 90% mortgages are back, at levels not seen since 2008. But be careful—higher loan-to-value mortgages often mean higher rates, stricter checks, and the risk of negative equity if prices fall.
• Specialist Finance: Bridging Loans in the Spotlight
  Bridge finance lender SDK has cut its Bridge 75 product to 0.95% for loans over £250k, catering to investors after mixed-use and semi-commercial opportunities. If “shop with flats above” is on your wishlist, now might be the time.

Keywords

UK property podcast, Expat property podcast, UK mortgage update podcast, UK property finance podcast, Mortgage Monday podcast, UK base rate 2025 update, Bank of England interest rates, UK mortgage rates 2025, First-time buyer mortgages UK, High loan-to-value mortgages UK, UK property market news podcast, UK bridging loans explained, Semi-commercial bridging loans UK, UK buy-to-let updates, Monthly UK property market update, Expat property investing UK, Homebuyer tips UK podcast, UK inflation and property market, UK property auction insights, Refurbishment finance UK, Bank of England base rate changes, Five-year fixed rate mortgages UK, 90% mortgage deals UK, Negative equity risks UK, Specialist bridge finance UK, Property Reporter news, Lender rate changes UK, Mixed-use property investment UK

#275

Are you interested in finding on-market UK property deals and selling them at auction for profit?

Paul Ribbons is a UK property trading specialist, known for turning distressed, on‑market deals into profitable auction trades. 

Drawing on his decades of experience he runs through how to:

1. Work out demand 
2. Find deals
3. Talk to agents
4. Use problems to create leverage

All so that you can enter the world of auctions with a plan instead of a prayer.

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We discuss:

1. How to Find On-Market UK Property Deals
2. Selling UK Property at Auction for Profit
3. Understanding UK Property Market Demand
4. Using Rightmove to Analyse UK Property Listings
5. Leveraging Essential Information Group for UK Auction Data
6. UK First-Time Buyers Returning to the Market
7. Investors versus First-Time Buyers in UK Property
8. Spotting Red Flags in UK Property Listings
9. Importance of Agent Conversations in UK Property
10. Building Rapport With UK Estate Agents
11. Communication Skills Unlocking UK Property Deals
12. Targeting the Right People in UK Estate Agencies
13. Finding UK Property Deals Through Junior Negotiators
14. Tracking UK Properties With Failed Sales
15. Setting Reserve Prices for UK Property Auctions
16. Multiple Exit Strategies in UK Property Trading
17. Assessing UK Property Value and GDV Calculation
18. Identifying Technical Issues in UK Properties
19. UK Property Auctions: Online vs Timed Formats
20. Flats and Houses Trends in UK Property Auctions

Keywords

UK property podcast, UK property investment podcast, UK property auctions podcast, Expat property podcast, British property trading podcast, UK real estate podcast, Property investing podcast UK, How to find UK property deals, On-market property trading, Selling property at UK auctions, UK estate agent tips, Auction trading strategies UK, First-time buyer UK property market, Distressed property deals UK, How to value UK properties, Technical indicators property trading, Leverage in property deals UK, Expat investing in UK property, CRM for property deal tracking, GDV calculation UK property, Refurbishing UK properties for profit, Buying below market value UK, UK flats auction strategy, Modern method property auctions UK, Property Engine UK, Viewing properties remotely UK, UK property red flags, Structural issues UK property, Japanese knotweed problems, Probate properties UK, Negotiating with UK estate agents, Building rapport with agents UK, Tips for buying UK property from abroad, Leveraging estate agents for UK auction deals, How to use technical problems for property discounts, Protecting your downside in UK property trading

#274

The first of our monthly roundup of news affecting  UK Property investors.

This month's news is dominated by the Middle East Crisis..

I investigate the impact on the UK housing sector.

I also share some interesting statistics around tenancy disputes and an overview of the impending Renters’ Rights Act   

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In this episode:

1. The impact of the Middle East Crisis on the UK Property Market
2. Global Energy Prices and UK Housing Concerns
3. Inflation Threatens UK Property Affordability
4. Interest Rate Uncertainty for UK Mortgages
5. Rising Mortgage Rates Affect UK Property Buyers
6. UK First-Time Buyers Facing Lending Challenges
7. UK Property Market Demand Predicted to Drop
8. Spring Housing Market Bounce at Risk in UK
9. Longer Property Chains Slow UK Transactions
10. Buyer Caution in Uncertain UK Property Markets
11. Unemployment Concerns for UK Property Demand
12. Investment Opportunities in Unstable UK Property Market
13. Auction Buyers Capitalise in UK Market Downturns
14. Renters' Rights Act Set to Reshape UK Rentals
15. UK Tenancy Disputes Rise Ahead of New Laws
16. Financial Impact of UK Tenancy Disputes Grows
17. Landlords Urged to Prepare for Legal Changes
18. May 2026 Reforms: UK Rental Market to Change

Keywords

UK property, UK property news, UK property market, UK property investing, UK housing market, UK mortgage rates, UK rent law changes, Renters’ Rights Act UK, Tenancy disputes UK, UK first-time buyers, UK landlord advice, UK property inflation, UK property investors, UK property auctions, How Middle East crisis impacts UK property market, What the Renters’ Rights Act means for UK landlords, Effects of energy prices on UK house prices, Upcoming changes to UK rental law in 2026, Dealing with tenancy disputes under the Renters’ Rights Act, Tips for property investors during uncertain times in the UK, Private rented sector ombudsman UK, How to prepare for rent law reforms in England and Wales, Costs and durations of tenancy disputes in the UK, Mortgage rate trends for UK expats

#273

Have you ever been in a position where you need cash and you need it fast?

 Perhaps the deal of a lifetime just fell into your lap. 

It’s too good an opportunity to turn down. 

Maybe it’s unmortgageable. 

Perhaps the seller won’t wait for you to get a mortgage. 

Maybe you’re buying it at auction.

Bridging finance is a useful resource to have in your toolbox.

But it pays to understand it before you need it.

In this episode Scott Clay from Together Finance goes through everything you need to know about short term finance

Well that’s where short term-finance or bridging comes in.

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We discuss:

1. What is Bridging Finance for UK Property Investors
2. Bridging Loans for Auction Purchases Explained
3. Speed vs Price in UK Property Bridging
4. Together Finance: UK's Fastest Bridging Lender
5. Types of UK Property Eligible for Bridging Loans
6. Residential vs Commercial Bridging in the UK
7. Importance of Certainty in Property Bridge Deals
8. Key Team Members for Successful UK Property Borrowing
9. How Fast Can UK Bridging Loans Be Arranged?
10. Role of Accountants and Solicitors in UK Property Deals
11. Loan-to-Value Ratios for UK Bridging Loans
12. Maximum Loan Periods for UK Property Bridging
13. Desktop vs Physical Valuations in UK Property Finance
14. Risks and Challenges When Bridging for UK Properties
15. Creative Strategies for UK Property Bridging Loans
16. Interest Rates and Fees for UK Bridging Finance
17. How to Set Up for Success in Bridging Applications
18. Using Multiple Properties as Security for UK Loans
19. Rolling Up Interest in UK Property Bridging
20. Including Refurb Costs in UK Bridging Loans

Keywords:

UK property podcast, Expat property investing, Bridging loans UK, Short-term property finance UK, Together Finance bridging, Property investment strategies UK, Remote UK property investors, UK auction property finance, Speedy property lending UK, Bridging vs mortgage UK, Commercial property finance UK, Residential property finance UK, Loan to value UK property, Creative property finance UK, Regulated and unregulated bridging loans UK, Investing in UK property from abroad, Property podcasts for expats, UK property market podcast, Property finance podcast UK, Buying property with bridging loans, How to arrange bridging finance UK, UK property deal structuring, Cross-collateralised loans UK, Property refurb finance UK, Fast property transactions UK, Podcast for UK landlords, UK property valuation process, Expat landlord podcast, Property investor podcast UK, Together Finance podcast guest, Scott Clay property finance, Building your property investing team UK, Solicitor and accountant for property deals UK, UK property lending podcast, Unmortgageable property finance UK, UK property deals podcast

#272

Once a month I’m joined by Darren McNeill from our sponsors FMP to look back at a deal he sourced for a client 5 years ago.

This month, we discuss a deal in Rawtenstall, Rossendale, Lancashire BB4 8HB.

Finnigan McNeill Property specialise in high-yielding turnkey properties in the Northwest for under 125K.

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We discuss:

1. High-Yield Turnkey Properties in North West UK
2. Five-Year Review of UK Buy-to-Let Investments
3. Rawtenstall: A Top UK Property Hotspot
4. Commuter Town Trends in the UK Property Market
5. Investment Growth: From £85k to £140k in UK Property
6. UK Rental Demand Surges in Rawtenstall
7. Success Story: Consistent UK Property Rental Income
8. UK Property Remortgage Strategies for Expats
9. Calculating Loan to Value in UK Property Deals
10. Rawtenstall Property Values On The Rise
11. UK Rental Yields: What Investors Need to Know
12. Rawtenstall: Employment Rates and Property Demand
13. Finding Affordable UK Investment Properties
14. Property Price Boom in North West England
15. Importance of Timing in UK Property Investment
16. The Yield Curve for UK Property Investors
17. UK Stamp Duty’s Impact on Investment Choices
18. Where to Find the Best UK Property Deals

Keywords

UK property podcast, Expat property podcast, Property investment UK, Buy-to-let podcast UK, UK real estate podcast, High-yielding turnkey properties UK, Investing in Northwest UK property, Rawtenstall property market, Lancashire property investment, UK property auctions update, Buy-to-let mortgages UK, UK rental market trends, UK property news podcast, Hands-free property investment UK, Podcast for expat property investors, UK property market analysis, Commuter towns near Manchester property, UK property prices growth, UK property sourcing podcast, Turnkey property investments podcast, Property yield calculator UK, Stamp duty threshold UK property, UK rental demand podcast, UK expat investor case studies, UK buy-to-let remortgage advice, Taylor Street Rawtenstall, Finnegan McNeill Property Group, Rawttenstall property yield, Lancashire buy-to-let, Rawtenstall tenant profile, Property value growth Rawtenstall, Buy-to-let refurb UK, UK property price increase 2024, Rental income Rawtenstall, UK expat property success story, Property investment podcast episodes UK, UK property investor tips, First-time buyer property podcast UK, Podcast for UK property landlords

#271

Making Tax Digital is a new system that will completely change the way in which many UK landlords report their income and expenses to HMRC from 6 April 2026.

If you own rental property or have self‑employment income, this episode is definitely for you.

Simon Misiewicz of Optimise Accountants Ltd takes us through everything we need to know.

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We discuss:

1. Making Tax Digital: Key Changes for UK Property Landlords
2. UK Rental Income Reporting Overhaul from April 2026
3. New Income Thresholds for UK Property Investors
4. Required Software for UK Property Tax Compliance
5. Quarterly Reporting for UK Property Owners Explained
6. Penalties for UK Property Landlords Missing MTD Deadlines
7. Who Is Affected by Making Tax Digital in UK Property
8. Exemptions for UK Expats and Foreign Property Investors
9. Separating Personal and Business Banking for UK Landlords
10. Advantages of FreeAgent for UK Property Investors
11. Pros and Cons of Landlord Vision and Hammock Software
12. Partnership Structures and UK Property Tax Exemptions
13. Limited Companies vs. Personal Name Property Ownership
14. Increased Accountant Costs for UK Property Owners
15. Digitising Invoices and Receipts for HMRC Compliance
16. Penalty Points System for UK Property MTD Submissions
17. Recommendations for UK Landlords: Take Action Early
18. Common Mistakes in UK Property Tax Filing
19. Separate Bank Accounts to Protect UK Property Privacy
20. Final Tips for UK Property Investors on MTD Compliance

Keywords

UK property podcast, expat property podcast, making tax digital for landlords, making tax digital UK, UK landlord taxes, expat landlord UK, UK property investing podcast, HMRC making tax digital, reporting rental income UK, property tax software UK, landlord tax changes UK, digital tax for self-employed UK, property investment accounting UK, property accounting software UK, quarterly tax reporting landlords, tax exemptions UK property, UK tax penalties landlords, digital bookkeeping for landlords, best tools for UK property tax, staying compliant UK landlord

#270

The first of our monthly reviews of what's going on in the world of UK Property auctions, featuring Jay Howard from Hammered Auctions

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We discuss:

1. UK Property Auctions: December Buying Opportunities
2. Be Brave When Others Are Fearful in UK Auctions
3. December Property Market: Lower Competition, Better Deals
4. January UK Auctions See Major Market Players Move
5. Fast Property Trading with Buyers Club in UK
6. Profitable UK Property Trades Despite Market Uncertainty
7. February Sets Strong Tone for UK Property Auctions
8. Record Sales: 11 Out of 12 UK Properties Sold
9. Market Shifts: Big Funds Selling Before UK Auctions
10. New Trends in UK Property Auction Strategy
11. Freehold Three-Bedroom Homes Hot in UK Auctions
12. Flats and Apartments Slower to Sell at UK Auctions
13. Value-Add Opportunities: Short Lease UK Flats
14. Modern Apartments and UK Cladding Issues Explained
15. EWS1 Certificates: What UK Property Buyers Need
16. Mixed-Use Properties Gaining Popularity at UK Auctions
17. Tax Year-End Drives March UK Property Sales
18. How Market Fear Creates UK Property Buying Chances
19. March Auctions: Secret Strength in UK Property Market
20. Expert Predictions for Upcoming UK Property Auction Trends

Keywords

UK property podcast, Property auctions UK, Expat property investment UK, UK auction market update, Buying property at auction UK, UK property market trends, Auction Buyers Club UK, UK property investment tips, Selling property at auction UK, Expat real estate podcast, UK real estate auctions, Jay Howard property expert, Property Trading Academy UK, Best time to buy property UK auctions, UK auction results analysis, Short lease flats UK, Cladding issues UK property, EWS1 certificate explained, Auction strategies UK, Residential vs commercial property UK

#269

This episode explores a strategy that only requires a 10% deposit instead of the usual 25%

Today’s guests are Rob Peters from Simple Fast Mortgage who presents a way to buy a Day One mortgage with just 10%

And his client Bhadar Shokar who proves that it can be done.

There are of course some caveats which we’ll run through at the end. 

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In this episode, we discuss:

1. UK Property Investing with a 10% Deposit Strategy
2. Minimising Cash Outlay for UK Property Purchases
3. How to Buy Below Market Value Properties in the UK
4. Using Mortgages for UK Property Equity Release
5. Bridging vs. Mortgages for UK Property Investors
6. Multi-Unit Blocks: Unlocking UK Property Value
7. Aggregate Value vs. Block Value in UK Property
8. Surveyors’ Role in UK Property Valuation
9. Expats Access UK Property Lending Options
10. Loan Requirements for UK Property Investment
11. UK Property Rental Yield and Mortgage Affordability
12. Title Splitting in UK Property Investment Explained
13. Stamp Duty Implications for UK Property Blocks
14. Leases and Entities Structure in UK Property Deals
15. Finding UK Property Blocks with Existing Leases
16. UK Property Market Research Tips for Investors
17. Refurb Costs Impact on UK Property Investment Returns
18. UK Property Portfolio Equity Building Strategies
19. Risks of 90% Loan-to-Value UK Property Mortgages
20. UK Property Research: Combining Desktop and Phone Methods

Keywords

UK property podcast, Expat property investing, UK real estate investing, Property investment for expats, Below market value property UK, UK property investment strategies, Multi-unit block investment UK, Mortgage broker UK podcast, UK buy-to-let investment, UK HMO investing, Title splitting UK property, 10% deposit property UK, Leveraging property equity UK, Aggregate value UK flats, Block value vs aggregate value UK, Scarborough property investment, Building portfolio UK property, Residential property finance UK, Mortgages for expats UK, Property lender strategies UK, Property flipping UK podcast, Rental yield UK property, Property Engine platform UK, Bridging loans UK property, Legal costs for title split UK, Stamp duty block purchase UK, Refurbishing UK flats, Long-term property investing UK, Investing in UK flats remotely, Property due diligence UK, Letting agent research UK, Freehold and leasehold structure UK, Expat Property Story podcast, Simple Fast Mortgages, Rob Peters mortgage broker, Bhadar Shokar property investor

#268

Are you looking for a way to buy UK property and add value but without the headache of refurbishment and with minimal expense? 

Today’s episode tackles Title Splits.

You buy a freehold block of flats under one title.

You then split the titles up so that the aggregate value of each individual flat creates an uplift in the overall total value. 

Max Scott has been doing this for many years.

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In this episode, we discuss:

1. What is Title Splitting in UK Property Investing
2. How Title Splitting Adds Value to UK Real Estate
3. Freehold vs Leasehold Explained for UK Property
4. Finding Blocks of Flats on Rightmove and OnTheMarket
5. Step-by-Step Guide to Title Splitting Property
6. Checking Utilities and Metering for UK Flats
7. Minimum Flat Size for UK Mortgage Lending
8. Using Lease Plans for UK Title Splits
9. Structuring Limited Companies for UK Property Splits
10. Stamp Duty Rules for Related Entity Transfers
11. Lending Challenges with UK Title Splits
12. Concentration Risk for Multiple UK Flats
13. Value Uplift from Title Splitting in the UK
14. When Title Splitting Works Best in Affluent Areas
15. Title Splitting in High vs Low Yield UK Areas
16. Commercial Valuation for Freehold Blocks in UK
17. Impact of Multi-Dwellings Relief Removal in UK
18. Importance of Mortgage Broker with UK Title Split
19. Avoiding Double Stamp Duty in UK Property Deals
20. Tips for Sourcing Title Split Opportunities in UK Property

Keywords

UK property podcast, Expat property investment, Title splitting UK property, Buying blocks of flats UK, Leasehold and freehold explained, UK property strategies for expats, Remote property investing UK, Auction property UK, Mortgage advice UK property, Limited company property investing, Group structure property investment, Property lending and financing UK, Stamp duty UK property, Commercial valuation UK, Investment blocks of flats, Adding value without refurbishment, Finding blocks of flats UK, Metered flats UK, Property portfolio management UK, Minimum flat size for lenders UK, Property due diligence checklist, Multi-dwellings relief UK, Concentration risk property lending, Buy-to-let investment UK, Selling leasehold flats UK, Property Engine UK, OnTheMarket blocks of flats, WhatsApp groups for expat investors, Podcast for UK property investors, Maximizing value UK property

#267

If you’re building a UK property portfolio in 2026 and you have the time to look for your own deals, then you should be looking to buy at discount. 

Finding a bargain often means dealing directly with vendors.

Which is what this episode is all about.

Ruban Selvanayagam has been buying and selling UK property with his business partner James Durr since 2006. 

They solve problems for vendors via their cash buying company, their estate agency and their online auctions under the umbrella name of Property Solvers.

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We discuss:

1. Mastering Vendor Negotiation in the UK Property Market
2. Tips for Building a UK Property Portfolio in 2026
3. How to Find Discounted UK Property Deals
4. Understanding Vendor Motivation in UK Property Sales
5. Common Seller Types in the UK Property Sector
6. Challenges with Online UK House Valuation Tools
7. Key Questions to Pre-Qualify UK Property Sellers
8. Identifying Flexible Vendors in the UK Property Space
9. Educating UK Property Sellers on Market Reality
10. Setting the Right Price for UK Property Sales
11. Importance of Sold Comparables in UK Property Valuation
12. Speed, Certainty, Price: UK Property Vendor Priorities
13. Auction versus Investor Sale in UK Property
14. Dealing with Problematic Tenants in UK Property Investments
15. Impact of Renters' Reform in UK Property Lettings
16. Building Relationships with UK Estate Agents
17. The Value of Quick Transactions in UK Property Buying
18. Refurbishment Costs for UK Semi-Detached and Terrace Houses
19. Best UK Property Types for Rental and Resale
20. Filtering Unmotivated Vendors in the UK Property Market

Keywords
UK property podcast, property investment UK, expat property, UK buy-to-let podcast, UK real estate podcast, UK property market insights, investing in UK property, buying property at a discount UK, dealing with property vendors UK, UK property auctions, UK estate agents tips, property valuation UK, building a UK property portfolio, remote property investing UK, selling property in the UK, UK property refurb advice, landlord tips UK, how to find motivated property vendors in the UK, tips for buying below market value UK property, advice for expat UK property investors, understanding UK house price trends, fastest ways to buy UK property, working with UK estate agents as an investor, filtering the best UK property deals, UK property refurb cost breakdown, best types of UK property to invest in 2026, navigating the UK property market as an expat, Expat Property Story podcast, Ruban Selvanayagam property advice, James Durr Property Solvers, UK property investor interviews, Expat remote property investing UK, Property Solvers auction advice