The Property Podcast

By Rob Bence and Rob Dix from The Property HubBusiness News Education Investing Business News

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The Property Podcast episodes

October 22Budget rumours, rent challenges, and an AI that didn't hold back
A new Chancellor, a Budget rumour mill in full swing, and the first hard data on tenants who challenge a rent rise...
Rob & Rob weigh up what's likely to land next week and what it could mean for property investors. Rob D shares what he found when he got AI to work through every tribunal ruling since May. Then Rob B reveals what happened when he asked Claude to point out his blind spots. It didn't hold back.
(00:59) Ambition or a holding pattern? What Rob & Rob expect from this Budget

(04:37) The capital gains tax rise that could end up costing the Treasury money

(07:42) Help to Buy is back under a new name. Will a 2.5% deposit help anyone beyond housebuilders?

(11:48) What 73 rent tribunal decisions reveal about Section 13 increases

(16:10) The timing quirk that makes challenging a rent rise a no-lose bet for tenants

(20:28) What Benjamin Franklin's 13 virtues have to do with Rob B's AI experiment

(34:24) The test that shows your AI is still being too nice
Links mentioned:
Budget 2026: what might Burnham and Healey have in store?

Capital gains tax rumours ramp up ahead of the Budget

Residential property tribunal decisions - GOV.UK
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37 min
October 20ASK546: Help! Have I breached planning? PLUS: Should I move into a company?
What should you do if the council thinks your serviced accommodation breaches planning? And is it worth moving a buy-to-let you already own into a company?
It's Tuesday, so it's time for another episode of Ask Rob & Rob.
(00:36) Johnny turned his first buy-to-let into serviced accommodation in May, then got a letter from Leeds City Council about a possible planning breach. Should he put in a retrospective application? Rob D explains who to speak to before doing anything else, and the fallback if it doesn't go his way.

(04:35) Warren has started letting out his two-bed flat in Chester, which he holds in his personal name. Should he transfer ownership to a limited company? Rob B explains what the switch would cost, and how long it could take to earn that money back.
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8 min
October 15Market Update - October 2026
Mortgages keep getting dearer while the base rate stands still, house prices have stalled, and politicians are making promises again...
Rob & Rob explain why markets expect interest rates to go up over the next few years, even though the Bank of England might not want them to, and how that’s feeding through to the deals lenders offer.
They also get into the new admin heading landlords' way, two very different pitches from opposition parties, and why the building slowdown matters for buyers and renters alike.
(00:55) Six months without a base rate change, so why are mortgage rates around 1% higher?

(04:32) Remortgage searches up 40% in a month, yet more borrowers are considering a tracker. Which way should you go?

(07:08) The house price index that's just recorded its first annual fall since 2023

(09:11) Since the Renters' Rights Act, how are landlords choosing their tenants?

(10:21) The landlord database: which region signs up first, and what it costs per property

(12:02) The £4.2bn case for scrapping the stamp duty surcharge, and the party promising to go further

(16:58) The Greens want a 2% cap on rent rises. How worried should landlords be?

(18:49) Angela Rayner's "slim chance" on 1.5 million homes, and why housebuilders are holding back

(22:47) The positive case for long-term investors right now
Links mentioned:
Bank of England Monetary Policy Summary, September 2026

Berkeley: scrapping the stamp duty surcharge could raise £4.2bn
House prices:
Nationwide's House Price Index

Zoopla's House Price Index

Lloyds' House Price Index
Mortgages and lending:
Lenders reprice as gilt yields hit multi-decade highs

Bank of England Money and Credit, August 2026

Remortgage searches rise in September

A fifth of remortgagors consider a variable rate
Landlord behaviour:
Landlords more selective about tenants since the Renters' Rights Act

Rent guarantor applications up 50%
Planning and supply:
Government all but admits defeat on 1.5 million homes

S&P Global UK Construction PMI, September 2026
Regulation:
PRS Database: landlord registration timetable

Shadow housing secretary backs scrapping stamp duty

Green Party: three-year emergency brake on rents
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26 min
October 13ASK545: Should I let my tenant skip the deposit? PLUS: Is it time to put the rent up?
Should landlords sign up to a no-deposit scheme? And what's the fairest way to put the rent up when it's fallen well behind?
Your questions answered on this week's episode of Ask Rob & Rob.
(00:36) Tim's letting agent has sent him a leaflet promoting Reposit, a deposit alternative scheme. Should he consider using one? Rob D looks at who these schemes serve, and the question he'd ask before letting a tenant skip the deposit.

(03:11) Miss Moneypenny's tenants have been in for four years with no increase, and the property is taking heavy wear and tear. How should she approach a rise with the Renters' Rights Act in play? Rob B shares the method he uses after a long tenancy, and how to make the new figure stand up if it's challenged.
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9 min
October 08Buy-to-let turns 30, Buffett bows out, and Kiyosaki's in $1.2bn of debt
One of the most respected investors on the planet has just stepped down at 96. Another says he's $1.2 billion in debt, and proud of it...
Rob & Rob mark buy-to-let's 30th birthday with three decades of Hamptons data, pick out the Buffett lessons that carry straight over to property, and ask whether Robert Kiyosaki's approach to leverage is one worth copying.
(01:01) What £1 put into buy-to-let in 1996 is worth today

(01:31) The one thing Hamptons left out when comparing buy-to-let with the S&P 500

(08:19) How 12.5 cents led to what Warren Buffett called his worst investment decision

(12:16) Why Buffett moved from bargains to quality, and what that means for your next property

(16:05) Why Rich Dad Poor Dad still matters, whatever you think of its author

(19:13) Buffett or Kiyosaki? Which one Rob & Rob relate to more as investors

(20:55) Hub Extra
Links mentioned:
30 years of buy-to-let - Hamptons

'Rich Dad Poor Dad' author Robert Kiyosaki is $1.2 billion in debt Rich Dad Poor Dad by Robert Kiyosaki

The Snowball: Warren Buffett and the Business of Life by Alice Schroeder

Watch Becoming Warren Buffett documentary
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23 min
October 06ASK544: Should I keep my London flat? PLUS: How can I use AI to get ahead in property?
How do you use AI to get ahead in property? And when you buy a new home, is it worth letting out the old one?
It's Tuesday, which means Ask Rob & Rob is back answering your questions.
(00:51) Harley has a rent-to-rent unit under his belt and a job with an HMO developer in Leeds. With AI only getting bigger, how can he make the most of it throughout his career? Rob B explains the extra step most people skip, and why taking it puts you in the top 5% of AI users.

(05:03) AJ is buying a new London home with his partner. Should he keep his current place as a buy-to-let and pay the higher stamp duty, or sell up and buy two more in his limited company? Rob D sets out a simple test for the decision, and why already owning it could be clouding his judgement.
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9 min
October 01Is being a landlord still worth it?
Everyone has an opinion on whether being a landlord still pays off. Very few have the data to back it up...
Richard Donnell, Zoopla's Executive Director - Research, is back on the show. Rob & Rob put the big question to him straight away, and his answer comes with a condition every landlord should hear. From there, he tests the headlines investors have been worrying about against the evidence.
(02:12) Are landlords really heading for the exit, and who's buying the homes they sell?

(04:00) Why so many investors now expect to buy a property that needs work

(06:44) What the Renters' Rights Act has changed so far, and what it hasn't

(08:33) Three quarters of landlords are over 60. So, who owns Britain's rental homes next?

(11:43) Why housing will always feature in the wealth tax debate, and the signal that landlords still matter to the government

(15:42) Is the average £10,000 EPC upgrade worth it, or is it time to sell?

(18:21) The long-run link that still sets property apart from anything else Richard could invest in
Links mentioned:
Zoopla's rental estimate tool
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23 min
September 29ASK543: My non-paying tenant just became my colleague! PLUS: Should I buy this with cash?
Should you buy with cash or take out a mortgage when you're starting out? And what happens when the tenant you're evicting gets a job at your company?
Rob & Rob answer two tricky listener questions on this week's show.
(00:48) Alice has £600,000 saved and wants to get into property, but she's torn between flipping doer-uppers with cash and building a rental portfolio with a mortgage. Which way should she go? Rob B explains what needs to come first, before any strategy is on the table.

(05:24) Mike's non-paying tenant is due to be evicted by bailiffs, but they’ve just been hired by the same company he works for. Should he reveal he's the landlord, or keep quiet? Rob D weighs up the risks to the eviction, and how the new job could work in his favour.
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11 min
September 24The unintended consequence of the Renters’ Rights Act that NOBODY is reporting
The Renters' Rights Act has been live for five months. The changes it's caused aren't the ones anyone was arguing about beforehand...
Rob & Rob get into the bidding ban that backfired, the financially secure tenants now struggling to rent at all, and the new fees letting agents are testing on landlords. Then they work out what £100,000 in savings is really earning once tax and inflation have taken their share, and what the same money does over five years in property.
(02:05) Inverse bidding wars, and why landlords are advertising rents above what they expect to get

(06:54) Is the ban on rent in advance shutting out the tenants who can most afford it?

(08:25) The fee one agent quoted Rob B for a £25 a month increase

(13:06) Why a 5% savings rate is a trap, and who is walking into it

(15:26) What £100,000 in the bank really pays you after tax and inflation

(17:18) The same money in property, and the gap after five years of modest growth

(21:16) Hub Extra - which side of AI your income lands.
Links mentioned:
London landlords' latest tactic: inverse bidding wars
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34 min
September 22ASK542: Should I add mortgage fees to my loan? PLUS: My tenant is running a business from my property - what now?
Should you add the mortgage fee to your loan, or pay it upfront? And if your tenant's running a business from your rental, what does that mean for your insurance and mortgage?
Rob & Rob tackle both questions on Tuesday’s Ask Rob & Rob.
(00:41) Esther is buying her first property through Property Hub and weighing mortgage deals with and without an arrangement fee. Should she pay the fee upfront or add it to the loan? Rob D breaks down the two options.

(04:00) Lawrence and his brother have discovered their long-term tenants are running a commercial business from the property. Does this invalidate the landlord insurance and mortgage, and what should he do about it? Rob B sets out the checks to make and the steps to take before it becomes a bigger problem.
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9 min

About The Property Podcast

From the publisher's feed

The Property Podcast from Property Hub (propertyhub.net) is the podcast for all property investors – new or experienced. Rob Bence and Rob Dix discuss a different property topic and property news item…