In this episode of the Scottish Property Podcast, Nick and Steven return with a jam-packed market update, covering everything from global economic trends to local property prices. They dive into the latest landlord legislation, interest rate forecasts, and the growing shift from amateur landlords to serious portfolio investors.

Key Highlights:

📉 Mortgage Market & Interest Rates

• Why the IMF is predicting three interest rate cuts this year

• How global trade tensions (yes, Trump again) could bring cheaper goods to the UK

• Latest 5-year swap rate and new limited company mortgage deals from The Mortgage Works

🏠 Scottish Property Price Trends

• House prices up 5.7% annually with East Renfrewshire leading at +10.6%

• Steven’s flip project in Dunfermline – who the buyers will be and how the numbers stack up

📈 Rental Market Update

• ONS rental data shows 5.7% annual increase in Scotland, but things are cooling

• Why agents are now reducing asking rents in Aberdeen and Glasgow

• The impact of fewer foreign students and increased supply

⚖️ Landlord Regulation & Housing Bill

• Labour’s proposal to jail landlords for illegal evictions

• Debate over rent controls, eviction rules, and the shifting narrative

• Why Nick took to the BBC to defend the landlord perspective

📊 Landlord Numbers & Social Housing

• 1,000 fewer landlords—but an increase in registered properties

• A shift from amateur landlords to serious portfolio players

• The shocking number of empty social homes despite a housing crisis

As the Scottish property market evolves, landlords are facing new pressures but also fresh opportunities. From political debates to mortgage updates, this episode gives you the full picture of what’s happening on the ground. Whether you're flipping houses, growing a rental portfolio, or just trying to stay ahead of the curve, this episode is packed with valuable insights and commentary.

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