In this episode, I shared the five most difficult aspects of investing in HMOs—and property in general. These are the challenges that have nearly made me quit on more than one occasion.

If you’ve been investing long enough, you’ve likely faced some of these issues. By being open and honest about them, we can better prepare ourselves and realise we’re not alone in experiencing them. Knowing that others face the same struggles can give us the motivation to keep going. This episode is important because the issues we’re discussing are serious.

Topics covered in this episode: 

• 03:01 The Five Difficulties in HMO Investing
• 05:54 Planning Challenges
• 12:08 Financial Risks 
• 17:54 People Management 
• 22:01 Finding Deals in a Competitive Market
• 25:46 The Importance of Resilience 

Please leave us a quick review on Apple Podcasts or Spotify to help us celebrate this milestone!

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Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. 

In this episode, we're revisiting a popular episode where I answered a question I’ve been asked many times: what would I do if I had to start from scratch, but with £100,000? 

This is a common question in our community, and while the answer depends on personal goals, resources, and limitations, I’m going to share exactly how I would approach it. 

I believe my method is adaptable to any situation, and I hope you find it useful and insightful. Reflecting on my own journey has been fun, and I’m excited to share tips and strategies that can help you, no matter your business stage.

Please leave us a quick review on Apple Podcasts or Spotify if you enjoy this episode!

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Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap on a starter or premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. 

In this episode, I'm joined by community member Ranjit Singh. Ranjit is a civil engineer and he's been using his skills and insights and experience from civil engineering to help him build a HMO property business. I want to find out how he's been doing that, what challenges Ranjit has had to overcome to get where he is.

We're also going to talk specifically about planning restrictions, about the changing and evolving landscape of the areas that he invests in and how he has been dealing with these. If you're an investor just getting started, perhaps you're a bit further along on your journey, this is definitely an episode you want to stick around for.

Topics covered in this episode: 

• 02:30 - Ranjit's Journey into Property Investment 
• 06:57 - The Reality of Building a Property Portfolio 
• 11:22 - Adapting to Market Changes in Derby 
• 18:21 - Planning Challenges and Overcoming Obstacles 
• 26:13 - Defining a Good Deal in HMO Investments 
• 32:35 - Long-Term Strategies and Risk Management

Please leave us a quick review on Apple Podcasts or Spotify to help us celebrate this milestone!

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Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get started now!

In this episode, I’m joined by Kevin, a former mentee of mine, and his wife, Angelina. Together, they run a property business called Nouveau Living. 

And for the first time on the show, we’ll be discussing turnkey services. Most of our guests talk about how they’ve built their own property businesses, but Kevin and Angelina are taking a slightly different approach. While they’re building their own asset-based HMO portfolio, they also offer a turnkey service.

We’ll explore what that looks like, covering everything from investing in HMOs, refurbishments, and interior design to creating products for your customers. 

Topics covered in this episode:

• 02:51 - Kevin and Angelina’s Journey to HMO Property Investment
• 14:56 - Understanding the Turnkey Service Model
• 25:00 - Meeting Investor Expectations
• 27:43 - Adapting to Changing Trends in the Rental Market
• 30:32 - The Importance of Durability in Property Design
• 33:00 - Managing Contractors and Development Risks

Please leave us a quick review on Apple Podcasts or Spotify to help us celebrate this milestone!

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Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get started now!

Are you using private finance to grow your HMO property business? And are you combining that with high street or bank finance? If so, that's great! In principle, there's nothing wrong with this approach. However, if it's not set up or managed correctly, it can lead to some serious issues, especially when it comes to refinancing or trying to repay your private investors.

In this episode, Ellie Broadhurst, our specialist mortgage broker will discuss the potential consequences of getting this wrong. And trust me, it’s easy to overlook or mismanage certain aspects. In fact, a lot of what we'll cover today may be things you’re not even aware of—yet they can be major red flags for a bank when it comes to refinancing. If you make these mistakes, you could find yourself in a difficult situation, unable to pay back investors or refinance your property. If you're using private finance, this episode is crucial for you. 

Topics covered in this episode:

• 04:57 - Understanding the Risks of Private Finance in Property Investment
• 10:03 - Mitigating Risks and Ensuring Due Diligence
• 14:57 - The Importance of Source of Funds and Investor Background Checks
• 24:10 - Realistic Cost Assessments in Refurbishments
• 31:35 - Managing Timelines and Expectations
• 36:13 - Market Predictions and Future Trends

Contact Ellie here, if you’re interested in discussing your HMO mortgage and finance needs.

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Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!

Got any questions? Join The HMO Community on Facebook!

Connect with me on Instagram or Linkedin for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

In this episode, we're doing things a bit differently. I'm joined by Sam and Alex from SO Properties—partners in business and in life. They’re wrapping up their very first HMO deal, and I’m excited to talk to them about that experience. We’ll be talking about the journey, the challenges they faced, and how they got started in the industry.

But that's not all—we’re switching things up a little. Sam and Alex have some questions for me, so we’re going to have a mini Q&A session. I’ll be drawing on my 15+ years of experience to offer as much advice as I can and help them navigate their journey.

If you're just starting out or scaling up, this is an episode you definitely don’t want to miss. 

Topics covered in this episode:

• 03:10 - Challenges of Starting in Property Investment
• 07:23 - Five-Year Plan and Financial Goals
• 19:41 - Funding Strategies for Growth
• 24:21 - Navigating Risk and Leverage in Property Investment
• 27:05 - Balancing Cash Flow and Capital Growth
• 29:04 - The Importance of Diversification in Property Portfolios
• 34:28 - The Pros and Cons of Joint Ventures
• 37:58 - Self-Management vs. Outsourcing Property Management

Please leave us a quick review on Apple Podcasts or Spotify to help us celebrate this milestone!

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Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get started now!

In this episode, I’m excited to bring you up to speed on everything that’s been happening in my businesses over the last few months, plus a general update as well.

As many of you know, I’ve been on paternity leave recently, and when I first planned this update, I expected it to be a short episode with not much to report. Well, I couldn’t have been more wrong! There’s been so much going on—tons of exciting developments and real progress.

So today, I’m giving you a full update. There's a lot to cover, and I’m especially excited about what 2025 holds. If you’re curious to peek behind the curtain and hear all the latest from my business, stick around.

Topics covered in this episode:

• 01:49 - Paternity Leave and Family Life
• 10:01 - New Projects and Planning Permissions
• 19:30 - HMO Portfolio Management
• 21:18 - HMO Community Milestones and New Content
• 25:08 - Efficiency and Growth Strategies

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Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. 

In this episode, I’m joined by Kieren Goldie, a property investor focusing on the South of England, particularly in prime Article 4 areas. Kieren’s built an impressive business offering a full turnkey service—covering everything from property acquisition to project and property management.

We’ll discuss how Kieren got to where he is, the ups and downs of building a business like his, and how he’s overcome challenges such as Article 4 regulations, planning restrictions, refurbishments, and sticking to budgets. If you're looking to build your own HMO property business, this is definitely an episode you won’t want to miss.

Topics covered in this episode:

• 03:19 Kieren's Journey into Property Investment
• 11:54 Navigating Article 4 Planning Restrictions
• 18:15 Sourcing Properties in Article 4 Areas
• 21:27 The Importance of Pipelining in Real Estate Deals
• 25:48 Understanding Commercial Valuations
• 30:11 Managing Build Costs and Project Management

Please leave us a quick review on Apple Podcasts or Spotify to help us celebrate this milestone!

-

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get started now!

In this episode, I’m joined by James Ashford of Carter Ashford, a former mentee of mine, to talk about all things project management. James has years of experience managing large residential projects, and now he’s applying those skills to the world of HMOs.

Managing HMO projects can be one of the toughest parts of building a HMO business. It’s not just about finding a great deal or managing tenants—it's about keeping your projects on budget, meeting deadlines, and making sure everything runs smoothly. James shares his insights on how to manage contractors, reduce costs, and stay on track throughout your projects.

Topics covered in this episode:

• 03:10 - James Ashford's Background in Project Management
• 08:50 - Challenges in Managing HMO Projects
• 10:44 - The Importance of Preparation in Project Management
• 20:08 - Leveraging Contractors and Resources
• 23:21 - Essential Documentation for HMO Projects
• 36:54 - Understanding Contracts and Their Importance
• 43:49 - Maintaining Project Timelines and Accountability

If you're working on HMO projects or thinking about getting started, this episode is full of useful tips to help you manage your developments more effectively.

Please leave us a quick review on Apple Podcasts or Spotify to help us celebrate this milestone!

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Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap on a premium plan at 20% off today and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Hurry! Offer extended until Feb 14th only!

In today’s episode, we’re revisiting a special one—an episode I wasn’t sure I wanted to record but felt was essential. It’s important to make it clear that investing in HMOs isn’t just a highlight reel, and transparency is key when discussing what’s truly involved. HMOs aren’t for everyone, and there’s a lot to consider: Do you understand the value of cash-flowing assets? Does property investment excite you? Are your priorities focused on cash flow or equity?

If you’re already investing in HMOs, this episode will be a great reminder, and if you’re new to the world of HMO investing, it will help you decide if it’s the right path for you. I’ll break down 10 key factors you need to understand before committing your time and finances to HMOs. While I hope the answer is yes, it’s important to ensure HMO investing aligns with your goals and risk tolerance.

• 00:00 - Introduction to HMO Investing
• 03:05 - Understanding the HMO Landscape
• 06:11 - Key Considerations for HMO Investment
• 12:03 - Evaluating Your Interest and Risk Appetite
• 17:45 - The Importance of Long-Term Commitment

Please leave us a quick review on Apple Podcasts or Spotify to help us celebrate this milestone!

-

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap on a premium plan at 20% off today and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Hurry! Extended until February 14th only!