The Property Podcast

It’s time for your weekly dose of Ask Rob & Rob! 

• (0:38) Matt has a couple of decent yield buy-to-let properties in Hull. He now knows the area pretty well and has a great relationship with a letting agent. Matt wants to know if he should keep investing in Hull, and should he try to increase these properties’ EPC ratings now or sell them and reinvest into a higher-end property? 
• (3:39) Greg invests in London and he’s recently been approached by agents that offer company let agreements. They’re looking to take over his property for three to five years, with the hopes of letting it out to young professionals. Greg wants to know what Rob & Rob think about this kind of arrangement and if there’s anything he should be looking out for. 

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Hundreds of mortgage products being pulled off the market, shocking inflation figures and an increasing base rate. What’s happening in the mortgage market? 

• (0:56) News story of the week 
• (2:28) Exciting announcement  
• (4:55) What’s going on with the mortgage market? 
• (5:48) What’s the current state of the market and has this ever happened before? 
• (6:17) What’s happening with the base rate/swap rates and how are lenders responding? 
• (6:59) Do you see this period of volatility lasting much longer? 
• (8:07) What kind of knock-on effect is this having? Are fewer people applying? 
• (8:42) What should you be doing if your fix is coming to an end? 
• (11:26) Is a 2-year fix the best option? 
• (12:37) What are the good products right now and what kind of rates should people be looking at right now? 
• (14:05) Are clients adamant on getting a lower-interest-rate product even though they have higher product fees? 
• (14:55) Are off-plan and new builds easier to get finance on? 
• (15:30) Are you expecting to see more attractive products to come to market soon? 
• (16:49) What do you think will happen in the next 1-2 years? 
• (17:53) Is diversification a part of your strategy? 
• (19:40) Can you still operate in this market? 
• (20:50) The importance of using a broker 
• (22:59) Hub Extra 

Links mentioned: 

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Rob & Rob are back and they’re answering more listener questions! 

• (0:39) The mortgage on David’s terraced house in East London is up for renewal soon, and with current interest rates, his payments are going to triple, causing him to have a negative cash flow. Should he stick with it at the capital appreciation is going to outweigh the short -term pain or should he cut his losses now? 
• (5:32) Tom’s currently purchasing a property and once the sale goes through, he’ll have around £20,000 left. Tom wants to know what the guys would do with the money whilst he continues to save for another deposit – how can he get his money working for him? 

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Dive into the world of Rob's real-life Monopoly! Tune in as we uncover his current portfolio strategy and the reasons driving this strategy switch-up. 

• (0:44) News story of the week 
• (2:22) Rob B’s Monopoly strategy 
• (3:27) How Rob’s portfolio has grown and evolved 
• (5:43) What percentage of Rob’s portfolio would he like to move on? 
• (6:02) How many properties has Rob sold so far? 
• (7:06) How did Rob choose which properties to sell? 
• (8:25) What made Rob decide to sell? 
• (9:11) What is Rob doing with the funds? 
• (10:30) What’s next for the Monopoly strategy? 
• (11:17) Portfolio value over number of units 
• (13:39) The impact of being cash-flow negative 
• (16:52) What’s the end goal? 
• (18:10) Fighting the market 
• (19:01) Same tactics, different strategy 
• (21:22) Hub Extra 

Links mentioned: 

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It’s time for some more listener questions! 

• (0:37) Butch is wondering how concerned he should be about the EPC C rating requirements coming in for 2025 
• (3:31) Leo has a great solicitor, but they’re no longer advising on personal guarantees. He’s wondering if this happening everywhere - or should he start looking for a new solicitor? 

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Hundreds of mortgage products have been pulled off the market, and the latest inflation figures have shocked the market. Join us to make sense of this week’s market news, and learn how you should respond. 

• (0:54) What’s going on with house prices? 
• (6:46) Are city house prices suffering? 
• (9:01) How are the top cities performing? 
• (10:23) What’s going on with the mortgage market? 
• (14:35) What’s the latest on the Renters Reform Bill 
• (15:13) Upcoming changes to EPC ratings 
• (16:00) Is the leasehold reform coming soon? 
• (17:04) Hub Extra 

Links mentioned: 

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Rob & Rob are back with more listener questions! 

• (0:36) Hayley has recently received £600,000 from her divorce and she’s wondering what to do with it. Should she buy a residential property outright or use the money to invest in a buy-to-let? 
• (3:26) John has a small portfolio of 1-bed leasehold flats in London, and he wants to know if there’s any benefit to renewing the leases early or should he wait until the new legislation comes in? 

Enjoy the show? 

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Around the world, some property markets are holding up – while others are crashing. What’s causing this pattern, and what could it mean for the future of the UK market?  

• (0:44) News Story of the week 
• (3:16) Want to join the team? 
• (3:49) The global house market 
• (4:33) Looking at the numbers 
• (5:27) How has this happened? 
• (8:08) Where does this leave the UK? 
• (10:37) What’s going to happen to the UK? 
• (12:10) Why have we told you this? 
• (13:15) Hub Extra 

Links mentioned: 

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It’s Tuesday! So that means it’s time for some more listener questions! 

• (0:36) Amy is looking to start investing in property, so she’s been educating herself with courses and listening to the podcast, but now she’s looking to find herself a property mentor and she’s wondering how she can find a good one! 
• (4:13) The house next door to one of the properties in Danny’s portfolio has become available, should he buy it and are there any advantages to owning adjoining properties? 

Enjoy the show? 

• Leave us a review on Apple Podcasts - it really helps others find us! 
• Sign up for our free weekly newsletter, Property Pulse 
• Send us your question by calling us on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply) or click here to leave a recording via your computer instead. 

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The renters reform bill has finally landed and it’s the biggest shake-up to property law in a generation! Tune in to catch the 5 changes you need to be aware of! 

• (2:08) The biggest change to property law 
• (2:57) The end of no-fault evictions... 
• (10:31) How will this impact student lets? 
• (11:43) When can you ask a tenant to leave? 
• (14:40) Goodbye unlimited rent increases 
• (17:04) Introducing the mandatory redress scheme 
• (18:19) A landlord database is coming 
• (19:48) Yes to pets! 
• (21:29) When are these changes going to happen? 
• (24:06) Hub Extra 

Links mentioned: 

Our latest YouTube video 

Free Microsoft courses 

Enjoy the show? 

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See omnystudio.com/listener for privacy information.