The Rodcast - Property, Business, Investment

Raj Sharma joins me on this episode to discuss the latest Property News.

In the episode we discuss;

The latest news on Holiday Lets and will they have their own planning use class.

Is Commercial Real Estate the most at risk sector with fall out from the Banking Crisis in the USA.

The latest stats on MEES and energy performance of Commercial Real Estate.

Quality of Housing and what locations have the most sub standards of living.

Latest research from Hamptons on Landlords leaving the market.

REIT's and how their Net Asset Values (NAV) have been adjusted.

The latest Inflation readings and what sectors of property may be most at risk.

The latest affordability metrics from Nationwide.

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*THIS IS NOT INVESTMENT ADVICE*

I am joined once again by Adam Lawrence and Manish Kataria to give a a thorough breakdown of the investment landscape and pick our investments for this quarter. Each quarter we each pick a retail investment such as a stock, ETF, Bond or anything else that is fairly easy for most people to buy as well as being hands off.

We start the discussion with a breakdown of the Banking crisis and how the landscape in America and the UK and Europe currently differ.

We then move on to give an update on our previous investment picks and their returns to date.

Our picks for this quarter are as follows;

Adam has gone for a US Regional Banking ETF with the ticker KRE.

Manish has decided on a US Tech ETF with ticker XLK.

I struggled to choose between Barclays (BARC) and Glencore (GLEN) but eventually settled on Glencore the mining stock.

Thanks as ever to our sponsors www.signaturepropertyfinance.co.uk who make these recordings possible.

If you are interested in more information about the Property Business Retreat please email myself on [email protected]

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Adam Lawrence and Myself unpick the News Stories from the last 2 weeks to understand what they mean for Property Investors.

We discuss;

Rent Controls, Landlord Taxes & Legislation - Looking specifically at the latest comments from Michael Gove on Rent controls and Landlord Taxes.

What the Budget Meant for Property - There was not a huge amount of Property related points in the Budget speech but if you look through the detailed notes there is one that may impact supply of homes.

The Banking Crisis in the USA, Credit Suisse and what this can mean for UK rates & Property.

Evergrande & the Restructuring of Overseas Debt and How this Affects Global Real Estate.

Breaking Down the Latest UK Inflation readings. Food prices, Energy, Housing costs etc and the difference between CPI, CPIH and Core Inflation and what they all mean for us.

For more info about the Boardroom Club that myself and Adam run please contact [email protected]

Thanks again to our sponsors www.signaturepropertyfinance.co.uk

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This is another cracker of an episode which is jam packed with phenomenal advice for anyone with a residential portfolio.

I am Joined by Ross McColl who, with his brother owns and operates a high yielding portfolio of approximately 300 residential units in the South East.

We discuss;

How Ross left school at 16 with no qualifications then going back into education to do a Masters at Imperial College London in Finance and Economics in order to become a Citi Bank Trader.

How he fell in Love with numbers and realised he could use his skill set to enhance a poorly run family property portfolio.

How being thrown in at the deep end and having to asset manage difficult assets including dealing with over 150 evictions) gave him additional skills.

The types of property that he invests in and why and how that has changed over time.

Why looking at yield is such a strong driver for him.

The types of tenants and why he began to focus on Temporary accommodation as a way to mitigate risk.

Why he feels the lower end of the market has less room to fall.

His approach to maintenance and focusing on the long term.

Why he is so concerned about the removal of Section 21, EPC requirements and interest rates and what he is doing to mitigate those risks in his business.

What he knows now that he wished he knew when he was getting started in property.

How technology has benefitted his business

And much more...

As always thanks to our fantastic sponsors Signature finance who are lenders of Bridging and Development products. Don't forget to contact [email protected] and mention the Rodcast to have your legals paid for on their bridging or development loans.

Ross mentioned https://www.konnexsion.com/ which I also use as a tool for property management which we have found to be a great product.

Please leave a review on the podcast platform and share the episode with anyone you feel would be interested in it

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This is the first of our series on Property News Updates which we will be bringing you every fortnight.

In this episode I am joined by Alicia Barlow who helps me to digest the big property news stories as well as deliver our opinions on them.

We discuss;

The most expensive residential property in Britain that has gone on the market for offers in excess of £250 Million.

The latest report from Carbon Laces on EPC's vs the actual Energy usage of the 17,000 homes they researched. They found that on average EPCs overestimate Energy usage by 91% compared to actual usage which begs the question do we actually need to bring properties up to a C on EPC's and are EPC's fit for purpose?

Home REIT - Two of their largest tenants have gone into voluntary liquidation, Several other tenants are taking them to court and withholding rent and they were last trading at almost 70% below their Net Asset Value.

Mortgage Prisoners from prior to lending criteria changing. What does the new report funded by Money saving Expert say https://www.moneysavingexpert.com/mortgages/mortgage-prisoners/

Why Landlords are selling up? Why there is a net reduction in available dwellings when stock transfers from the private rental sector to owner-occupation. How this will affect the rest of the market as well as the public's perception of the Private Rental Sector?

For more information about the Partners in Property Network meetings mentioned please visit www.partners-property.com

If you are interested in the 7 day Property Business Retreat please contact me  [email protected]

As always a huge thanks to our sponsors www.signaturepropertyfinance.co.uk

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In this episode we are joined by James Hadley from www.propertyfrompensions.co.uk

James has a depth of knowledge on all things to do with property and pensions.

If you think this is another sales pitch from a product seller about SSAS pensions then think again. James discusses the biggest mistakes he sees when people want to set up SSAS pensions.

James gives great insight into the tax advantages of different types of pensions for holding property in as well as the costs of them and at what point different types of pensions are viable for investing in property.

He goes onto to discuss GDCV's and how they can be used to allow your pension to own residential property,

How pensions can protect business owners from creditors

How to look at pensions as just a part of your holistic approach to your finances and long term plans

and lots more.

As always if you enjoyed the episode please share it and leave us a review.

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In the 4th episode of our series on investment picks we look over the investment environment as well as looking at how previous picks have performed so far.

We then go on to discuss our investment picks for the last quarter of 2022 which include;

High Yield Emerging Markets Bond ETF

Gold

and

REITs

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I had a fantastic discussion with Ben Green, Principal of Atrato Capital the Investment Advisor to The Supermarket REIT (SUPR)

SUPR is a FTSE 250 real estate trust and the UK’s only specialist grocery property investor. Atrato have advised SUPR since it’s IPO in 2017.

Atrato sources, advises and asset manages all of Supermarket Income REIT's investments. 

Ben has over 20 years’ experience structuring and executing real estate transactions. He has completed more than £3.5 billion of sale and leaseback transactions with occupiers including Barclays, the BBC and Tesco. 

Ben qualified as a lawyer in 1997 and began his career at Wilde Sapte and Linklaters LLP. He left law in 2000 and has since spent his banking career at Barclays, Lloyds and Goldman Sachs where he was Managing Director, European Head of Structured Finance. 

In this episode we discuss;

Why there is a belief that Supermarket assets are a resilient and counter cyclical asset class?

How did the supermarket sector perform in previous recessions such as the GFC and what if anything may be different this time around?

Why investors would invest in Supermarket assets when they yield similar to UK Gilts?

SUPR recently fixed all its variable debt with an average period of 4 years and interest rate of under 3%. Fantastic! What would be some of the changes in the market you would want to see before SUPR moved some of that debt to variable rate or considered drawing down new debt without hedging?

Around 81% of SUPR’s stores have index-linked rents. Is it concern you that many are capped at 4% increases despite inflation numbers going above that?

Omnichannel Supermarkets seemed to thrive during the pandemic due to their ability to be adaptable. Is it expected that those gains made will return to pre pandemic levels?

Around 12% of grocery shopping is done online vs in person. Which is more profitable for SUPR’s tenants and is that 12% expected to increase or decrease in the short and medium term based on cost of living issues?

SUPR and British Airways Pension Fund hold a 50:50 stake in a JV which holds a 51% interest in the Sainsbury’s Reversion Portfolio. That portfolio is one of the largest in the UK with 26 stores. What advice would you give to businesses looking to position themselves as an attractive partner in a Joint venture?

What Ben thinks about grocery led shopping centres or retail parks for the future vs stand alone stores? What are the positives and negatives?

What are the biggest risks to this asset class currently and what are the key mitigants?

What are some of the most obvious similarities and differences around the world in Supermarket assets?

And lots more...

Find out more information about The Supermarket REIT (SUPR) here https://www.supermarketincomereit.com/

You can also find out more about Atrato Group here https://www.atratogroup.com/

Thank you to our sponsors of the episode www.signaturepropertyfinance.co.uk If you require bridging or development finance please contact [email protected] and quote the Rodcast to get your legals paid for.

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Mike Kovacs is a founding partner of uk based real estate investment firm, Castleforge. https://castleforge.com/

Under his leadership they have invested £1 Billion of asset value into the UK and Europe combining research-led investment themes with vertical integration and in-house operating platforms.

Mike has a great way of explaining how he identifies sectors in the real estate market to invest in.

In this episode we discuss;

How did someone from the states working in M&A at Blackstone become an investment manager specialising in UK and European Real estate?

What's more important, investing with good management or investing into a good sector?

How he decides on what sector to invest in for example flexi office space?

How he sees different types of office investments performing over the next few years?

What metrics or data would he would need to see to change his mind?

How does the UK market differ to other markets?

When investing into real estate how long is he forecasting to be in the investment until it matures.

What has been the hardest thing about raising capital for investment and what advice would he give to people trying to raise capital?

What advice would he give to a young person looking to get into the property investment industry?

What is he bullish and bearish on?

What is the biggest risk to his portfolio and what is he doing to mitigate it?

What has been the biggest challenge in scaling his business?

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Paul Davis is probably best known for being a Co founder of Nimbus Maps, a tool for Property Developers and Investors to find the best off-market opportunities, assess them quickly and connect with owners. But did you know that Paul has a fantastic career in real estate prior to this including;

a family investment business, starting and scaling a property consultancy advising Blue chip clients on Real Estate deals.

In this episode we discuss;

How Paul fell into the Family Property Investment Business.

How that family investment business operated at the time and the type of assets they invested in and why.

How Property Investment businesses differed then to now.

The power of creating Capital uplift through asset management.

How he and his brother started a consultancy business helping Blue Chip clients on their real estate deals.

Some examples of how they saved these huge organisations £millions.

How working with larger institutional clients differed from investing in lower value property assets.

What advice he would give when working with family.

How the recession we are currently facing compares to the last one for Paul.

Did his and his brothers Oxbridge degrees in Engineering get put to good use?

What made him pivot from consulting blue chip clients to starting Nimbus Maps.

The toughest parts of scaling their business.

And much more.

You can find out more about Nimbus Maps here https://www.nimbusmaps.co.uk

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