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The Financial Freedom Podcast episodes
- The Financial Freedom Podcast Rewind with John Howard
In this episode of The Financial Freedom Podcast, we sit down with John Howard for a straight-talking conversation about what really matters after decades in property.
John has survived multiple property cycles, traded, developed, invested, mentored others, and seen just about every mistake investors can make.
His message is simple:
Property is not about chasing the latest strategy.
It’s about buying right, managing risk, protecting cash flow, and knowing when to walk away.
We discuss why investors need to think long term, why sensible leverage matters, and how underestimating build costs, finance, and timescales can quickly destroy a deal.
John also shares the simple rules he uses to de-risk property purchases and why relationships, experience, and judgement often matter more than the deal pack itself.
This is one of those episodes packed with practical lessons that only come from years of actually doing deals.
🎧 Listen now on Spotify, Apple Podcasts, YouTube, or wherever you get your podcasts.
This episode is sponsored by Simple Fast Morgage: https://simplefastmortgage.com
Buy The Amazon Best Selling (Search Financial Freedom BDRR on Amazon) Link in comments.
https://www.amazon.co.uk/Financial-Freedom-Property-Evolution-Refinance/dp/B0G1K9DKR1/ref=tmm_pap_swatch_0
Stay connected with us through our social media channels:
Facebook: https://www.facebook.com/propertyportfoliobuilding/
LinkedIn: https://www.linkedin.com/company/propertyportfoliobuilding/
Instagram: https://www.instagram.com/propertyportfoliobuildinguk/
YouTube: youtube.com/@propertyportfoliobuilding/
Websites: propertyportfoliobuilding.co.uk & invest-prop.co.uk
Connect with our hosts:
Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/
Facebook: https://www.facebook.com/phil.y.bygrave
Get in touch with Tim here:
LinkedIn: https://www.linkedin.com/in/timothy-witt-77b0275b/
Facebook: https://www.facebook.com/share/18gD6Jzp4Y/?mibextid=wwXIfr
Instagram: https://www.instagram.com/timothywitt12?igsh=cXA4bzVxeGJ6YzR5&utm_source=qr
For all enquiries, please contact us at: [email protected]
59 min - The Financial Freedom Podcast Rewind: Adam Lawrence
In this special episode of The Financial Freedom Podcast Rewind, we're bringing back one of our favourite guests, Adam Lawrence, for some of the most valuable insights from his original conversation.
With nearly 900 property deals under his belt many through joint ventures. Adam brings a wealth of experience alongside his deep understanding of economics and the UK property market.
We revisit some of the biggest issues facing property investors today, including:
🔹The economic challenges affecting UK property investors
🔹Productivity, taxation and why government policy matters to investment
🔹What the Renters' Rights changes could actually mean for landlords
🔹Lessons from nearly 900 deals and extensive JV experience
Markets change. Governments change. Regulations change.
But understanding the fundamentals of property, economics and wealth creation never goes out of date.
Rewind with us and catch some of the best insights from our conversation with Adam Lawrence.
This episode is sponsored by Simple Fast Morgage: https://simplefastmortgage.com
Buy The Amazon Best Selling (Search Financial Freedom BDRR on Amazon) Link in comments.
https://www.amazon.co.uk/Financial-Freedom-Property-Evolution-Refinance/dp/B0G1K9DKR1/ref=tmm_pap_swatch_0
Stay connected with us through our social media channels:
Facebook: https://www.facebook.com/propertyportfoliobuilding/
LinkedIn: https://www.linkedin.com/company/propertyportfoliobuilding/
Instagram: https://www.instagram.com/propertyportfoliobuildinguk/
YouTube: youtube.com/@propertyportfoliobuilding/
Websites: propertyportfoliobuilding.co.uk & invest-prop.co.uk
Connect with our hosts:
Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/
Facebook: https://www.facebook.com/phil.y.bygrave
Get in touch with Tim here:
LinkedIn: https://www.linkedin.com/in/timothy-witt-77b0275b/
Facebook: https://www.facebook.com/share/18gD6Jzp4Y/?mibextid=wwXIfr
Instagram: https://www.instagram.com/timothywitt12?igsh=cXA4bzVxeGJ6YzR5&utm_source=qr
For all enquiries, please contact us at: [email protected]
41 min - Episode 78: What Nobody Tells You
What does it really take to succeed in property?
In this episode of The Financial Freedom Podcast, we're joined by Hayley Andrews, property developer, entrepreneur, founder of Hard Hats to Heels, and one of the UK's leading advocates for women in property.
Hayley is one of the most successful property investors in the UK and a role model on how to do it well. She has been there and got the T-Shirt.
Hayley breaks down the key strategies she used to get herself financially free and can now focus on the type of projects that really help shape towns and cities.
We discuss what truly separates successful investors from those who never get started, why action beats knowledge, how the right network can accelerate your journey, and why financial freedom is ultimately about having the freedom to choose the life and projects you want.
We cover:
• Why more women are making their mark in UK property
• How Hard Hats to Heels is building confidence and visibility
• The mindset that separates successful investors from everyone else
• Why networking and mentorship accelerate success
• Lessons from Property Elevator and what investors get wrong when pitching deals
• Why resilience, relationships, and taking action matter more than perfection
Whether you're new to property or an experienced investor, this episode is packed with practical insights on building a successful property business and creating a lasting legacy
This episode is sponsored by Simple Fast Morgage: https://simplefastmortgage.com
Buy The Amazon Best Selling (Search Financial Freedom BDRR on Amazon) Link in comments.
https://www.amazon.co.uk/Financial-Freedom-Property-Evolution-Refinance/dp/B0G1K9DKR1/ref=tmm_pap_swatch_0
Stay connected with us through our social media channels:
Facebook: https://www.facebook.com/propertyportfoliobuilding/
LinkedIn: https://www.linkedin.com/company/propertyportfoliobuilding/
Instagram: https://www.instagram.com/propertyportfoliobuildinguk/
YouTube: youtube.com/@propertyportfoliobuilding/
Websites: propertyportfoliobuilding.co.uk & invest-prop.co.uk
Connect with our hosts:
Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/
Facebook: https://www.facebook.com/phil.y.bygrave
Get in touch with Tim here:
LinkedIn: https://www.linkedin.com/in/timothy-witt-77b0275b/
Facebook: https://www.facebook.com/share/18gD6Jzp4Y/?mibextid=wwXIfr
Instagram: https://www.instagram.com/timothywitt12?igsh=cXA4bzVxeGJ6YzR5&utm_source=qr
For all enquiries, please contact us at: [email protected]
1 hr 7 min - Episode 77 Why Property?
Is UK property still the best place to build long-term wealth?
In this episode of The Financial Freedom Podcast, we sit down with Max Scott Property Investor of the Year, author of Why Property, and one of the UK's leading voices on property investment.
Drawing on more than a decade of experience and over £120 million worth of property transactions across the UK and Ireland, Max explains why property continues to outperform other asset classes, even in today's challenging market.
We discuss:
* How AI is transforming the future of property investing
* Why leverage gives property a unique advantage over other investments
* The hidden opportunities created by today's market conditions
* The importance of purpose, time, and financial freedom
Whether you're just starting your property journey or already building a portfolio, this episode offers practical insights to help you think differently about wealth, investing, and financial freedom.
🎧 Listen now on Spotify, Apple Podcasts, YouTube, or wherever you get your podcasts.
This episode is sponsored by Simple Fast Morgage: https://simplefastmortgage.com
Watch the full episode on YouTube: Link below
Buy The Amazon Best Selling (Search Financial Freedom BDRR on Amazon) Link in comments.
https://www.amazon.co.uk/Financial-Freedom-Property-Evolution-Refinance/dp/B0G1K9DKR1/ref=tmm_pap_swatch_0
Stay connected with us through our social media channels:
Facebook: https://www.facebook.com/propertyportfoliobuilding/
LinkedIn: https://www.linkedin.com/company/propertyportfoliobuilding/
Instagram: https://www.instagram.com/propertyportfoliobuildinguk/
YouTube: youtube.com/@propertyportfoliobuilding/
Websites: propertyportfoliobuilding.co.uk & invest-prop.co.uk
Connect with our hosts:
Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/
Facebook: https://www.facebook.com/phil.y.bygrave
Get in touch with Tim here:
LinkedIn: https://www.linkedin.com/in/timothy-witt-77b0275b/
Facebook: https://www.facebook.com/share/18gD6Jzp4Y/?mibextid=wwXIfr
Instagram: https://www.instagram.com/timothywitt12?igsh=cXA4bzVxeGJ6YzR5&utm_source=qr
For all enquiries, please contact us at: [email protected]
1 hr 29 min - Episode 76: Seller Negotiation Masterclass
Steve McCarthy has over 20 years of experience in direct to vendor property sales.
In this episode you hear how he builds relationship with seller to achieve both the best price but also a win win for both parties.
These are the skills every property investor should have.
In this episode, we discuss:
• Finding motivated sellers by solving problems, not chasing discounts.
• Why investors should master multiple strategies instead of relying on one.
• The importance of resilience when deals don't go to plan.
• Why surrounding yourself with the right people changes everything.
The best investment you can make isn't always into property.
Sometimes it's into your mindset, your network, and your time.
Why the one-size strategy is the most dangerous thing in property and what it means to have every tool in the toolbox.
What Steve would tell himself at 18 and why the network around you is worth more than any single deal.
This is not a highlights reel. It is an honest, experienced voice on what this industry actually looks like across three and a half decades.
This episode is sponsored by Simple Fast Morgage: https://simplefastmortgage.com
https://www.amazon.co.uk/Financial-Freedom-Property-Evolution-Refinance/dp/B0G1K9DKR1/ref=tmm_pap_swatch_0
Stay connected with us through our social media channels:
Facebook: https://www.facebook.com/propertyportfoliobuilding/
LinkedIn: https://www.linkedin.com/company/propertyportfoliobuilding/
Instagram: https://www.instagram.com/propertyportfoliobuildinguk/
YouTube: youtube.com/@propertyportfoliobuilding/
Websites: propertyportfoliobuilding.co.uk & invest-prop.co.uk
Connect with our hosts:
Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/
Facebook: https://www.facebook.com/phil.y.bygrave
Get in touch with Tim here:
LinkedIn: https://www.linkedin.com/in/timothy-witt-77b0275b/
Facebook: https://www.facebook.com/share/18gD6Jzp4Y/?mibextid=wwXIfr
Instagram: https://www.instagram.com/timothywitt12?igsh=cXA4bzVxeGJ6YzR5&utm_source=qr
For all enquiries, please contact us at: [email protected]
1 hr 17 min - Episode 75: Rent Controls : Solution or Problem?
Rent control is back in the headlines, but would it actually solve the UK's housing crisis?
In this technical episode of The Financial Freedom Podcast, we explore the real impact of rent controls, the lessons the UK can learn from countries around the world, and why increasing housing supply is the key to long-term affordability.
We discuss:
• The difference between Rent control and Rent stabilisation
• Why some countries have succeeded while others have seen rental supply fall
• How policy changes influence landlords, tenants, and investors
• The unintended consequences of freezing rents
• What needs to change to create a healthier, more sustainable rental market
Whether you're a landlord, property investor, developer, or simply interested in the future of UK housing, this episode offers a balanced discussion on one of the biggest debates in property today.
Watch now on YouTube or listen wherever you get your podcasts
Buy The Amazon Best Selling (Search Financial Freedom BDRR on Amazon)
https://www.amazon.co.uk/Financial-Freedom-Property-Evolution-Refinance/dp/B0G1K9DKR1/ref=tmm_pap_swatch_0
Stay connected with us through our social media channels:
Facebook: https://www.facebook.com/propertyportfoliobuilding/
LinkedIn: https://www.linkedin.com/company/propertyportfoliobuilding/
Instagram: https://www.instagram.com/propertyportfoliobuildinguk/
YouTube: youtube.com/@propertyportfoliobuilding/
Websites: propertyportfoliobuilding.co.uk & invest-prop.co.uk
Connect with our hosts:
Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/
Facebook: https://www.facebook.com/phil.y.bygrave
Get in touch with Tim here:
LinkedIn: https://www.linkedin.com/in/timothy-witt-77b0275b/
Facebook: https://www.facebook.com/share/18gD6Jzp4Y/?mibextid=wwXIfr
Instagram: https://www.instagram.com/timothywitt12?igsh=cXA4bzVxeGJ6YzR5&utm_source=qr
For all enquiries, please contact us at: [email protected]
43 min - Episode 74 Housing Crisis or Huge Opportunity
Can We Actually Solve the UK Housing Crisis?
Everyone talks about building 300,000 homes a year
But what if the real solution isn't simply building more?
In this technical episode, we explore why the UK continues to fall behind on housing targets and discuss practical ideas that could unlock thousands of new homes.
We cover:
• Why so many developments no longer stack financially
• The untapped potential of converting vacant buildings
• How planning, taxation and regulation affect housing supply
• Why supporting smaller developers could make a bigger impact than many realise
• The changes that could encourage investment and raise housing standards
If you're a property investor, developer, or simply interested in the future of UK housing, this episode offers a thought-provoking perspective on one of the country's biggest challenges.
Listen now on Spotify, Apple Podcasts, YouTube, or wherever you get your podcasts.
Buy The Amazon Best Selling (Search Financial Freedom BDRR on Amazon)
https://www.amazon.co.uk/Financial-Freedom-Property-Evolution-Refinance/dp/B0G1K9DKR1/ref=tmm_pap_swatch_0
Stay connected with us through our social media channels:
Facebook: https://www.facebook.com/propertyportfoliobuilding/
LinkedIn: https://www.linkedin.com/company/propertyportfoliobuilding/
Instagram: https://www.instagram.com/propertyportfoliobuildinguk/
YouTube: youtube.com/@propertyportfoliobuilding/
Websites: propertyportfoliobuilding.co.uk & invest-prop.co.uk
Connect with our hosts:
Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/
Facebook: https://www.facebook.com/phil.y.bygrave
Get in touch with Tim here:
LinkedIn: https://www.linkedin.com/in/timothy-witt-77b0275b/
Facebook: https://www.facebook.com/share/18gD6Jzp4Y/?mibextid=wwXIfr
Instagram: https://www.instagram.com/timothywitt12?igsh=cXA4bzVxeGJ6YzR5&utm_source=qr
For all enquiries, please contact us at: [email protected]
38 min - Episode 73 Avoiding Cowboy Builders
Spot a Cowboy Builder Before They Cost You Everything.
As the property developer everything is your fault, set your project up for success because poor systems can turn a good builder into a cowboy builder.
They paid £80,000. The builder had done £30,000 of work.
No contract. No agreed payment terms. No valuation schedule.
And they had absolutely no idea until it was far too late.
In this episode, Phil sits down with Tim, 20 years in project management and estimation, for a straight-talking, no-nonsense guide to protecting your UK property development from the ground up.
Whether you're converting a commercial unit, running an HMO refurb or managing your first development project, this one could save you thousands.
Here's what we cover:
Why anyone in the UK can call themselves a builder, and what that means for your project
The red flags that reveal a cowboy builder before they even start
The steps to take if a builder is already on site and it's going wrong
The real difference between good, poor and cowboy performance
This isn't theory. This is 20 years of hard-won experience, condensed into one episode.
Buy The Amazon Best Selling (Search Financial Freedom BDRR on Amazon
https://www.amazon.co.uk/Financial-Freedom-Property-Evolution-Refinance/dp/B0G1K9DKR1/ref=tmm_pap_swatch_0
Stay connected with us through our social media channels:
Facebook: https://www.facebook.com/propertyportfoliobuilding/
LinkedIn: https://www.linkedin.com/company/propertyportfoliobuilding/
Instagram: https://www.instagram.com/propertyportfoliobuildinguk/
YouTube: youtube.com/@propertyportfoliobuilding/
Websites: propertyportfoliobuilding.co.uk & invest-prop.co.uk
Connect with our hosts:
Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/
Facebook: https://www.facebook.com/phil.y.bygrave
Get in touch with Tim here:
LinkedIn: https://www.linkedin.com/in/timothy-witt-77b0275b/
Facebook: https://www.facebook.com/share/18gD6Jzp4Y/?mibextid=wwXIfr
Instagram: https://www.instagram.com/timothywitt12?igsh=cXA4bzVxeGJ6YzR5&utm_source=qr
COME AND MEET US http://www.manchesternorthpin.co.uk use "bygrave" to attend for free!
For all enquiries, please contact us at: [email protected]
30 min - Episode 72 with Scott Marshall: Beyond The Interest Rate
Deal-Making, Lending & What Really Makes a Project Fundable
In this episode of The Financial Freedom Podcast, we sit down with Scott Marshall, CEO and founder of Roma Finance.
Because when it comes to property finance, the interest rate is only part of the story.
A strong deal isn’t just about the numbers.
It’s about the borrower, the story, the asset, and the exit.
Scott shares what lenders are really looking for, why trust and transparency matter, and how property investors can structure deals that actually get backed.
If you’re building a portfolio, raising finance, or developing property in today’s market, this is an episode you don’t want to miss.
Stay connected with us through our social media channels:
Facebook: https://www.facebook.com/propertyportfoliobuilding/
LinkedIn: https://www.linkedin.com/company/propertyportfoliobuilding/
Instagram: https://www.instagram.com/propertyportfoliobuildinguk/
YouTube: youtube.com/@propertyportfoliobuilding/
Websites: propertyportfoliobuilding.co.uk & invest-prop.co.uk
Connect with our hosts:
Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/
Facebook: https://www.facebook.com/phil.y.bygrave
Get in touch with Tim here:
LinkedIn: https://www.linkedin.com/in/timothy-witt-77b0275b/
Facebook: https://www.facebook.com/share/18gD6Jzp4Y/?mibextid=wwXIfr
Instagram: https://www.instagram.com/timothywitt12?igsh=cXA4bzVxeGJ6YzR5&utm_source=qr
COME AND MEET US http://www.manchesternorthpin.co.uk use "bygrave" to attend for free!
For all enquiries, please contact us at: [email protected]
1 hr 18 min - Episode 71 Financial Freedom Podcast Unscripted
New episode of The Financial Freedom Podcast is live , and this one's different.
No guest. No script. No pre-planned questions.
Just I and Tim getting asked questions we've never talked before,live and answering them honestly.
We go into:
The one skill that drives every successful business
Why a high performer with the wrong values is the worst person to have in your team
What's the biggest positive change has been since leaving employment
If you're thinking about making a move from job to business, from investor to full-time developer, this episode is for you.
Stay connected with us through our social media channels:
Facebook: https://www.facebook.com/propertyportfoliobuilding/
LinkedIn: https://www.linkedin.com/company/propertyportfoliobuilding/
Instagram: https://www.instagram.com/propertyportfoliobuildinguk/
YouTube: youtube.com/@propertyportfoliobuilding/
Websites: propertyportfoliobuilding.co.uk & invest-prop.co.uk
Connect with our hosts:
Phil Bygrave: https://www.linkedin.com/in/phil-bygrave-8b792421/
Facebook: https://www.facebook.com/phil.y.bygrave
Get in touch with Tim here:
LinkedIn: https://www.linkedin.com/in/timothy-witt-77b0275b/
Facebook: https://www.facebook.com/share/18gD6Jzp4Y/?mibextid=wwXIfr
Instagram: https://www.instagram.com/timothywitt12?igsh=cXA4bzVxeGJ6YzR5&utm_source=qr
COME AND MEET US http://www.manchesternorthpin.co.uk use "bygrave" to attend for free!
For all enquiries, please contact us at: [email protected]
43 min
About The Financial Freedom Podcast
From the publisher's feed
Welcome to The Financial Freedom Podcast, sponsored by Property Portfolio Building! This podcast is designed by real people on their journey to achieving financial freedom and will focus on people who…
have either already attained it, who are joining us on that journey, or a specialist topic that can help you build your technical knowledge to achieving and maintaining financial freedom.