Welcome back to the podcast. Today we’re diving into something that doesn’t always get talked about in the property world but absolutely should Wills and estate planning.

If you’re a landlord or property investor, you’ve worked hard to build your portfolio. But what happens to it when you’re gone? Without proper planning, your family could face unnecessary tax bills, delays, or even lose out on rental income.

Most landlords focus on mortgages, tenants, and tax returns, but few think about the bigger picture: what happens to their property portfolio when they’re no longer here.

We’re joined by Jamie from Soteria Planning, who’s an expert in this field. He’s going to break down inheritance tax, trusts, how to pass on your properties the smart way, and real-world lessons that prove why this matters more than most landlords realise.

You’ll learn:

• Why landlords need wills and estate planning — and the risks of ignoring it.
• How inheritance tax (IHT) really applies to buy-to-lets and HMOs.
• Trusts explained in plain English — and when they do or don’t make sense.
• The smartest ways to pass your portfolio on to children or family.
• Real stories of planning gone wrong (and right).
• Practical tips: when to update your will and the must-have documents landlords need.

If you own property, this conversation is a must-listen to make sure your wealth ends up in the right hands — not HMRC’s.

Get in touch with Jamie

Website: https://soteriaplanning.uk/agent-profile/jamie-shepherd

email: [email protected]

Phone number: 07787 410 958

Connect on LinkedIn: https://www.linkedin.com/in/jamie-shepherd-754732141/

Read Soteria Planning’s Guide to writing a will:

https://online.flipbuilder.com/mwcp/lbvf/

🎙 Listen to The Investor’s Corner Podcast

Spotify: https://open.spotify.com/show/6Awfoi9dUoU55k0D7uf64a

Apple Podcasts: https://podcasts.apple.com/gb/podcast/the-investors-corner/id1588273348

Don’t forget to subscribe for more straight-talking insights for landlords and property investors.

This week, we’re joined by Tom Ashton from Mortgage Tribe to unpack the massive changes happening in the landlord mortgage market in 2025.

Buy-to-let lending has surged 47% in Q1 alone, hitting £10.5bn, and there’s a real sense that the landlord sell-off might finally be over. But what does this mean for investors and property owners looking to finance their next move?

We cover everything from new build mortgage criteria, gifted deposits, and record mortgage choice for landlords, through to second charge 

mortgages and the new mortgage guarantee scheme.

If you’re a landlord or property investor and want to understand where the opportunities are right now — you’ll want to hear this one.

We cover:

• Landlord sell-off ends? Buy-to-let loans up 47% in Q1 to £10.5bn – what’s driving the resurgence
• New build lending: Are lenders tougher on new builds for landlords, and how can you future-proof your investment?
• Gifted deposits: Are lenders taking a dim view on them? Are the rules different for personal vs limited company BTLs?
• Record mortgage choice: June sees more BTL products than ever — how landlords can make the most of it
• Second charge mortgages: A new way for landlords to leverage equity and scale portfolios
• Mortgage guarantee scheme: What is it, who is it for, and will it work?

Whether you’re actively investing or just reviewing your portfolio, this episode is full of practical lending advice and current market trends.

Contact Tom:

Email: [email protected]

Website: www.mortgagetribe.co.uk

🎙 Listen to The Investor’s Corner Podcast

Spotify: https://open.spotify.com/show/6Awfoi9dUoU55k0D7uf64a

Apple Podcasts: https://podcasts.apple.com/gb/podcast/the-investors-corner/id1588273348

📢 Don’t forget to subscribe for more property investment tips and insights!

This week we’re joined by Adam Colvin, one of Avocado’s experienced partner agents, for a proper behind-the-scenes look at the estate agency world and it gets real.

Off the back of the recent BBC Panorama documentary, ‘Undercover Estate Agent’, we dig into what’s really going on in the industry, from conditional selling and pressure tactics, to what landlords and buyers need to watch out for when working with estate agents.

We also cover how to make your property investment actually work for you, how to spot red flags, and how to align with agents who actually give a sh*t.

We cover:

• What the Panorama doc got right (and what it didn’t show)
• The truth about conditional selling and backroom deals
• Red flags landlords and investors should look out for
• How to spot an agent who’s working for you, not themselves
• Why transparency matters more than ever
• How to maximise your investment as a landlord
• What agents should be doing that most aren’t

Connect with Adam: 

Website: https://avocadopropertyagents.co.uk/agent-profile/adam-colvin

Email: [email protected]

Call: 07429 456732

🎧 Listen or Watch Now:

Apple: https://podcasts.apple.com/gb/podcast/the-investors-corner/id1588273348

Spotify: https://open.spotify.com/show/6Awfoi9dUoU55k0D7uf64a?si=5d851e61dc424cea

We’re back with Part 2 of the UK’s most Googled landlord questions  and this time we’re digging into the juicier topics.

Why landlords are selling, who helps with evictions, what happens with deposits  and even whether the rental crisis is real.

Whether you’re a hands-on landlord or just keeping an eye on the market, these are the answers people are actually searching for in 2025.

We wrap up the 14 most Googled landlord questions in this second episode, covering the legal, financial, and political issues landlords face today.

Questions answered: 8. Where do landlords keep tenant deposits? 9. Why are landlords selling up in 2025? 10. Why do landlords ask for renters insurance? 11. Why don’t landlords accept children? 12. Who helps landlords evict tenants legally? 13. Do councils have a list of private landlords? 14. Is there a rental crisis in the UK right now?

This one’s for: – Landlords navigating the 2025 rental landscape – Anyone confused by rules around deposits, evictions, or local council powers – Renters looking for clear answers with no fluff

👉 Missed Part 1? Catch up on the first 7 questions

🎧 Listen or Watch Now:

Apple: https://podcasts.apple.com/gb/podcast/the-investors-corner/id1588273348

Spotify: https://open.spotify.com/show/6Awfoi9dUoU55k0D7uf64a?si=5d851e61dc424cea

Sponsored by Survey Network - https://avocadopropertyagents.co.uk

“What do people really want to know about landlords in 2025?

Ian put Andy to the test with Google’s 7 most searched landlord questions and we’re breaking them down with real talk, no legal waffle.

From rent increases to pet bans, mould problems to tenant checks, this episode gives landlords and tenants a clear view of where the law stands and what’s changing.

In Part 1 of this two-part series, we answer the most searched landlord questions in the UK, based on real Google data.

Questions answered:

Are landlords responsible for mould in a rental property?

Can landlords legally refuse pets in 2025?

How much can landlords increase rent by in 2025 UK?

How do landlords choose tenants in the UK?

Do landlords check tenants' credit scores?

What are landlords legally required to do in 2025?

What happens if a landlord doesn’t fix something?

Perfect for:

– UK landlords wanting to stay compliant

– Letting agents clarifying grey areas

– Tenants curious about their rights

– Anyone searching for clear, up-to-date UK landlord advice

🎧 Listen or Watch Now:

Apple: https://podcasts.apple.com/gb/podcast/the-investors-corner/id1588273348

Spotify: https://open.spotify.com/show/6Awfoi9dUoU55k0D7uf64a?si=5d851e61dc424cea

Sponsored by Survey Network - https://avocadopropertyagents.co.uk

Stay tuned for Part 2 — UK Rental Crisis, Council Landlord Lists & Evictions Explained

In Part 3, we wrap up our conversation with Phillip Coburn by focusing on strategy. What do successful landlords do that others don’t? How do you keep legal costs under control while protecting your investments?

From agent selection to legal timing and real-life case wins and losses, this episode is full of lessons from the frontline of landlord law.

In This Episode:

• How to choose a legally sound letting agent
• When to bring in a solicitor—and when not to
• Cutting legal costs without cutting corners
• Real case stories: costly mistakes and major wins
• Phillip’s legal outlook for the next 12–24 months
• What Phillip would do with a 5-property portfolio in 2025

🎧 Listen or Watch Now:

Apple: https://podcasts.apple.com/gb/podcast/the-investors-corner/id1588273348 Spotify: https://open.spotify.com/show/6Awfoi9dUoU55k0D7uf64a

Connect with Phillip Coburn

https://www.linkedin.com/in/phillip-coburn-3a168380/

Sponsored by Avocado Property - https://avocadopropertyagents.co.uk

👉 Catch up on Parts 1 & 2 for everything you need to know about Section 21, legal risks, and how to protect your rental portfolio.

In Part 2 of our three-part conversation with solicitor Phillip Coburn, we dive into the legal traps that catch landlords out and often cost them serious money. From missed deadlines to possession delays, this episode is packed with hard lessons and practical fixes.

What You’ll Learn:

• The biggest legal mistakes landlords make (and how to avoid them)
• Why deposit protection errors are more common than you think
• How landlords lose in court and how to stop it happening to you
• The impact of court backlogs after Section 21
• Whether it's still worth going through the courts or not

If you’re a landlord, this episode could save you thousands and a lot of stress.

🎧 Listen or Watch Now:

Apple: https://podcasts.apple.com/gb/podcast/the-investors-corner/id1588273348 Spotify: https://open.spotify.com/show/6Awfoi9dUoU55k0D7uf64a

👉 Missed Part 1? Catch up to find out what the end of Section 21 really means—and what’s hidden in the Renters Reform Bill.

Connect with Phillip Coburn

https://www.linkedin.com/in/phillip-coburn-3a168380/

Sponsored by Avocado Property - https://avocadopropertyagents.co.uk

Stay tuned for Part 3 — real cases, smart strategies, and advice every landlord should hear for 2025.

In this first episode of our 3-part series, we’re joined by Phillip Coburn, a civil litigation solicitor with nearly 30 years’ experience helping landlords navigate the legal minefield of property disputes. From tricky tenant claims to possession battles, Phillip has seen it all.

We talk about the end of Section 21 and what it really means for landlords. Will you lose control over your property? What’s changing in the new Renters Reform Bill? And what should you do right now to stay protected?

Topics we cover:

• What’s replacing Section 21—and is it strong enough?
• How Ground 1A works and what to watch out for
• The risks of tenancies becoming periodic by default
• Key parts of the new Bill many landlords haven’t spotted
• Practical steps landlords should take now

If you’re a landlord or thinking of becoming one, this episode will help you stay ahead of the changes.

🎧 Listen Now

Apple Podcasts: https://podcasts.apple.com/gb/podcast/the-investors-corner/id1588273348 Spotify: https://open.spotify.com/show/6Awfoi9dUoU55k0D7uf64a

Connect with Phillip Coburn

https://www.linkedin.com/in/phillip-coburn-3a168380/

Sponsored by Avocado Property - https://avocadopropertyagents.co.uk

If you’re wondering where the smart money is going in property, this episode has the answers. In Part 2, Umesh Kalra shares how he’s building his portfolio strategically—and why the Midlands is firmly on his radar for future investment.

In This Episode (Part 2): In Part 2 of our conversation with investor Umesh, we dive into the strategies that are working right now for building a profitable property portfolio—without chasing unrealistic returns or overcomplicating the process.

We also explore why more savvy investors are looking towards the Midlands as the next area of opportunity, and how he’s positioning his portfolio for sustainable growth.

We cover:

• Where Umesh is focusing his property investments in 2025

• Why the Midlands is offering some of the best returns and growth potential

• His approach to finding solid buy-to-let deals that actually cashflow

• How he finances and manages risk while scaling his portfolio

• The mindset needed to stay consistent and profitable in the current market

If you’re serious about growing your portfolio the smart way—this is the one to listen to.

👉 Interested in working with Umesh or learning more? Visit www.moneyrowproperties.co.uk or call 01162 046949.

He didn’t have a massive bank balance or millionaire contacts. Just belief, hard work, and a willingness to take risks.

Here’s how Umesh left the 9–5 and built a full-time property business—including the hard lessons you won’t find on social media.

In This Episode (Part 1): We sit down with HMO and buy-to-let investor Umesh Kalra, owner of MoneyRow Properties,  to uncover the real story behind leaving his 9–5 and going all in on property.

He shares how he made the leap, the reality of his first deal, and why HMOs are still working in 2025 if you approach them properly.

We cover:

• How Umesh transitioned from employment into full-time property

• His very first deal – what went right, and what he’d never do again

• The honest truth about running HMOs in today’s market

• What separates a profitable HMO from a constant headache

• Key mistakes new investors make when trying to go full-time

Whether you’re planning your first deal or looking to replace your income through property, this episode delivers the reality behind making it happen.

👉 Want to connect with Umesh directly? Visit www.moneyrowproperties.co.uk or call 01162 046949.