The Property Podcast

It’s the last episode of Ask Rob & Rob for 2020! So it was only right that they got their old pal Nick on the show to ask the final question.

Nick is wanting to know what Rob & Rob have got in store for everyone in 2021. 

Of course The Robs were happy to oblige - not only because they want to remain on the nice list, but to hopefully get you prepared for the coming year.

The big bombshell, there’s going to be a brand-new podcast coming in 2021, and it’s not about property!

Now that we’ve grabbed your attention, tune into today’s episode to find out what else The Robs have got in the pipeline for you next year.

Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply). 

Or if you prefer, click here to leave a recording via your computer instead.

The next question on Ask Rob & Rob could be yours. 

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself.

See omnystudio.com/listener for privacy information.

Here’s what the December market update has in store for you

We reckon everyone’s been waiting patiently for the December market update, thanks to that capital gains tax bombshell that was dropped a couple of weeks ago.

But that’s not all The Robs are covering this week. 

Here’s what to expect on this week’s property podcast episode

Just to give you a little taste, here’s some of the things Rob & Rob are chatting about in the December market update:

• The top cities for capital growth
• Stamp duty 
• Capital gains tax
• Help-to-buy
• The latest Hometrack report
• ESW1 and unlimited liability
• The Hong Kong market 

Plus, the guys will be taking a look at an insider’s opinion on what’s happening in the property market right now.

There’s certainly plenty to get through this month. So make sure you’re prepared as we dive into the December market update.

Let’s get social (H3)

We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do.

Make sure you’ve liked and subscribed to our YouTube channel where we upload new content every week! 

If that wasn’t enough, you can also join our friendly property community on the Property Hub forum.

See omnystudio.com/listener for privacy information.

We’ve got another two great property questions on Ask Rob & Rob this week.

The first question this week is from Argent.

Argent wants to know where property investors can make the biggest gains. He knows Rob & Rob tend to focus on capital growth, but he thinks it’s more the income that gives the biggest gain, as this is the cash that hits your bank account each month. 

Listen as Rob D takes us on a mini history lesson while drawing on his own personal experience. Yes, you need to have a bit of faith for capital growth but today Rob explains why both are equally as important. 

You can also deliberately tilt your portfolio in the favour of one or the other. How? Listen to find out. 

The second question comes from Daniel.

Daniel is a long-time Property Podcast listener and he’s looking to get his first property. 

He’d been focusing on the ‘ideal yields’ of between 8-10% but when he’s running the numbers, he’s finding the best he can get is 6% or lower. He’s wondering if he bought at 6% whether it’d be a huge mistake. 

Rob B takes the lead with this one (as Daniel specifically used Liverpool as an example). Listen as he talks Daniel through what to look for in his next deal and how it’d affect yields. He also explains how to focus on location and consider the pros and cons of desirable vs less desirable places. 

The difference of an extra % or two on the yield could be minimal in the short-term but a winner in the long-term.

Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply). 

Or if you prefer, click here to leave a recording via your computer instead.

The next question on Ask Rob & Rob could be yours. 

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself.

See omnystudio.com/listener for privacy information.

Have you been investing during Covid?

Well, if you haven’t been investing during Covid, these three property investors certainly have. 

Trying to build a portfolio is hard enough, nevermind trying to do it in the middle of a worldwide pandemic. 

Naturally, it’s brought challenges for everyone. But it’s how you work through those challenges that will set you apart from others who have been investing during Covid.

If you’re at a bit of a sticking point and you’re not sure if investing during Covid is the right thing for you, then today’s episode should certainly help.

Here’s what to expect on this week’s property podcast episode

On today’s episode Rob & Rob are talking to three investors who have certainly come across challenges whilst investing during Covid.

You may recognise these three investors as Iain, Sarah and Steve. A panel of investors that we’ve spoken to a number of times before. 

We like to check in with Iain, Sarah and Steve every now and again to see how they’re getting on with their investment journeys. 

So we thought now would be a better time than ever to see how they’re getting on with investing during Covid.

In the news

In the news this week we have a positive news story, hooray! 

Safety checks eased to help flat owners ‘in limbo’.

A lot of investors have been having issues trying to sell or refinance their property due to needing an EWS1 form. This came into place after the Grenfell Tower disaster, and is designed to show that there are no safety issues with the building.

The good news is that it came out recently that the form won’t be needed for properties that don’t have cladding – and although there’s still confusion in the industry about exactly when it’s needed, this latest announcement certainly seems like good news for a lot of property owners and investors.

Hub extra

This week’s Hub Extra is a quote for you. It’s the perfect quote to sum up the qualities needed to be successful in this current climate.

‘Success is no accident. It is hard work, perseverance, learning, studying, sacrifice and most of all, love of what you are doing or learning to do’ - Pele.

Which we think is pretty spot on for right now.

Let’s get social

We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do.

Make sure you’ve liked and subscribed to our YouTube channel where we upload new content every week! 

If that wasn’t enough, you can also join our friendly property community on the Property Hub forum.

See omnystudio.com/listener for privacy information.

This week on Ask Rob & Rob the guys are answering two questions that we’re pretty sure are on everyone’s minds right now. 

First up this week we’ve got Joe. 

Joe has bought his properties the opposite way round to most people. He bought a buy-to-let property first and is now onto purchasing his own residential property. 

He thinks he’s got himself a good deal as it’s in need of some renovation, but he’s trying to weigh up his options because he’s considering relocating when the world returns back to some normality.

He knows the obvious thing would be to sell the property, but he wants to know what other options would be open to him. Especially if the market falls and he ends up in negative equity on his property. 

What should he do?

Our second caller this week is Sassi. 

Both Sassi and her partner are both working professionals in the construction sector. Before lockdown they’d agreed to purchase a property however they had issues with mortgages due to the condition of the house. 

They managed to secure a mortgage product, but when it expired six months later due to the pandemic, the lenders revalued it and wouldn’t grant them a mortgage - they said the property would be better suited to a HMO. 

As a result they’re now struggling to afford another property with the loan-to-value being so high compared to what it was at the beginning of the year. 

So what Sassi wants to know is, will the stamp duty holiday restore the banks’ confidence enough to bring back higher loan-to-value mortgage products that first time buyers can benefit from?

What do Rob & Rob think? Will higher loan-to-value mortgage products make a comeback, or are they now a thing of the past?

Tune in to find out.

Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply). 

Or if you prefer, click here to leave a recording via your computer instead.

The next question on Ask Rob & Rob could be yours. 

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself.

See omnystudio.com/listener for privacy information.

What are property funds and how do they work?

Investing through a property fund allows you to invest in a property without having to fully buy it or go through any of the rigmarole that comes with buying a property.

Sounds like a win win situation right?

We’ve managed to go 400 episodes without talking about property funds. 

Until now. 

You might be listening to this thinking that you’re never going to have the funds to be able to invest in property, but you’d like to make a better return than leaving it sat in the bank. 

Or maybe you’re already a property investor and are getting a bit fed up with how much time and effort it takes and would like something a bit easier.

Well, a property fund might just be the thing you’re after.

Here’s what to expect on this week’s property podcast episode

There’s a lot to get into on today’s episode to give you as much information as possible on property funds. 

So, just to give you an overview, here’s what Rob & Rob will be discussing today:

• What is a property fund?
• Why invest in a property fund?
• What types of property can you invest in?
• Why not to invest in a fund
• What are the types of property funds?
• How to pick a fund

This could well be an eye opener into a whole new world of investment opportunities for you. 

But like with any type of investment there’s pros and cons to both. So we recommend listening to this episode a couple of times and doing some further research to really get a solid understanding of property funds.

In the news

Over the past number of years landlords have been hit time and time again by changes to taxes, meaning they pay out more and more each year. 

After so many changes you’d think it was about time that landlords were given a break and nothing else could rock the boat. 

Well, enter Rishi Sunak and his increase to capital gains tax. 

Now these are proposals and nothing has changed just yet. However if this does come into play, the government wants capital gains tax to be in line with income tax bands. 

There’s still plenty to come out about this and whilst it doesn’t specifically target landlords and property investors, it wouldn’t be a good result for any investor.

So, The Robs will be covering this in depth on the next Market Update when more has unfolded on the topic.

Hub extra

This week’s Hub Extra resource is another podcast for you to listen to.

Now Rob B has only listened to one episode so far but he highly recommends it based on that episode. 

The podcast is called Boldt Flavours and it’s from the founder of Gousto, Timo Boldt. 

On the podcast he interviews different people every week and in the first episode he interviews Joe Wicks. 

You might be surprised that this episode wasn’t based on food, or cooking or exercise, but about how Joe Wicks grew his business. 

And you know how much we love a business success story.

Let’s get social

We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do.

Make sure you’ve liked and subscribed to our YouTube channel where we upload new content every week! 

If that wasn’t enough, you can also join our friendly property community on the Property Hub forum.

See omnystudio.com/listener for privacy information.

Last week we had a question on using bridging finance and this week on Ask Rob & Rob we’ve got another.

Kicking things off this week is Marika.

The strategy she’s looking at is flips. So she’s looking to purchase a property that needs a substantial renovation before selling it once the work is completed.

She’s been looking at getting a bridging loan, however she’s worried that once the refurb is complete, the market will collapse. By which point she won’t be able to, or want to, sell the property and getting a buy-to-let mortgage might be difficult. 

So, right now should she be looking at a standard buy-to-let mortgage instead of a bridging loan? 

Next up we’ve got Claire. 

Since listening to The Property Podcast Claire has taken the plunge into the property investment world and has acquired three properties over the last 18 months - well done, Claire!

Claire self manages the most recent property and the other two are with a management company. However, she’s come to realise after speaking to her tenants that the management company aren’t handling things in the correct way.

So now Claire wants to take on the other two properties and self manage them all. 

But, how does she go about relieving the management company of her two properties without getting into a legal battle or being held liable for anything?

Can Claire just simply fire her management company or is there a specific protocol she needs to follow?

Tune in to find out.

Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply). 

Or if you prefer, click here to leave a recording via your computer instead.

The next question on Ask Rob & Rob could be yours. 

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself.

See omnystudio.com/listener for privacy information.

It’s episode 400! So we’re taking a look at Rob & Robs property investment journeys

The Robs property investment journeys have been going for much longer than 400 episodes. But what have they experienced along the way? 

Luckily for you, The Robs are sharing their investment journeys with you as well as their experience. 

So when you make your own mistakes, not only will you learn from them, you’ll also profit from them.

Here’s what to expect on this week’s property podcast episode 

Not only are Rob & Rob sharing their personal story and what they’ve learnt, they’re also taking a look at what’s changed in the property market over the last eight years.

When you hit a milestone like 400 podcast episodes, it’s a good time to reflect and take a look back on where you’ve come from. 

So here’s what The Robs are taking a look at in this week’s episode:

The 18-year property cycle

Is the 18-year property cycle still on track or will there be a crash in 2021? In this past podcast The Robs shared how to predict future property prices.

Is that still the case?

Never sell a property 

In the early days of The Property Podcast this was a firm opinion of Rob & Rob. You can even listen to that podcast episode here. 

Even Robert Kiyosaki said the same thing not so long ago on The Property Podcast.

Is that still the case?

Plus…

Rob & Rob will also be discussing assets and the top performing cities. What were they 400 episodes ago and what are they now?

Tune in to find out.

In the news

This week we’re talking about what others seem to have missed: 

‘Bank of England pumps more stimulus into economy in bumper QE round’.

Another £150 billion of QE has been pumped into the economy which is just crazy. Back in 2009 of the financial crash, £200 billion of QE was put into the economy, and we all know how bad we thought that was. 

In total, the amount of QE in 2020 as a response to the Coronavirus pandemic has totaled £450 billion.More than double the amount of the 08/09 financial crisis! 

We can’t get over why this hasn’t been made more of a big deal. 

If you’re interested in QE then go back to this podcast episode where Rob & Rob discuss how it impacts property prices. 

Hub extra

This week for Hub Extra, we’ve got a bit of a follow on. 

Previously Rob D has recommended a book called ‘A Bit of a Stretch’ by Chris Atkins which took the title of his favourite book of the year.

But now there’s a new podcast with the same name and on the same topic. So, if you didn’t read the book, give ‘A Bit of a Stretch - The Podcast’ a listen.

Let’s get social

We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do.

Make sure you’ve liked and subscribed to our YouTube channel where we upload new content every week! 

If that wasn’t enough, you can also join our friendly property community on the Property Hub forum.

See omnystudio.com/listener for privacy information.

It’s Tuesday and that means The Robs are back for another episode of Ask Rob & Rob.

First up this week we’ve got Jason and Stacie.

They’re considering setting up a limited company with the goal to have around 20 buy-to-let properties in six to eight years.

They want each property to bring in a £200 profit, once they’ve deducted all costs from the income.

At the moment they have £10,000 in savings and their own residential property where they owe £72,000 on their mortgage, and the property has been valued at £120,000. 

They’re wondering which option is best for them. Remortgaging their home to release the equity, or use that equity as a deposit for bridging finance and remortgage the buy-to-let property, in order to repay the bridging finance?

Now we know Rob & Rob are all about using leverage, but what do they think about bridging finance?

Our second question this week is from Dave.

He’s doing the background work on wanting to buy his first property investment and he wants to know if £20,000 is enough money to get started?

However, he’s wondering if this is even realistic as even the cheaper properties require refurbishing which naturally costs money. 

So, is it possible to start your property investment journey with £20,000?

Tune in to find out.

Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply). 

Or if you prefer, click here to leave a recording via your computer instead.

The next question on Ask Rob & Rob could be yours. 

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself.

See omnystudio.com/listener for privacy information.

Here’s what the November market update has in store for you

Lockdown begins. We all go on a mortgage holiday. Boris promises a new mortgage product. Surveyors downvalue properties by 20%, but the experts say the market is on the up! 

And that’s not even the half of it. 

There’s so much to cover on the November market update, we could be here all week. 

Here’s what to expect on this week’s property podcast episode

To wet your taste buds, here’s a brief overview of what Rob & Rob are discussing on the November market update:

• The new lockdown
• Extension of the mortgage holiday
• Evictions have been delayed again
• Boris is bringing back 95% mortgages 
• Stamp duty backlog 
• Down-valuations
• House prices
• Lloyds house price forecast 

There’s certainly plenty to get through this month. So make sure you’re comfy as we dive straight into the November market update.

Coming soon

We’re excited to announce that from next week we’ll be bringing you brand new weekly webinars that are completely free. 

These webinars cover everything you need to know about getting started in property. 

You may be thinking, ‘how is this any different to all the other free content you’ve shared around this?’ Well, these webinars will bring you a framework to work off and give you the opportunity to ask questions you’ve always wanted answering. 

If you’re new to property and are wondering how you get started, or even if you’ve been doing it for a while but feel like you’re lacking direction and strategy, this is the webinar for you. 

It covers everything you could possibly want and need to know. They’ll be running three times a week at various different times so you’re bound to find a time that suits you. 

If you’d like to secure your free virtual place for next week, go and do it right now, right here. 

Let’s get social

We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do.

Make sure you’ve liked and subscribed to our YouTube channel where we upload new content every week! 

If that wasn’t enough, you can also join our friendly property community on the Property Hub forum.

See omnystudio.com/listener for privacy information.