Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership

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In this episode of This Property Life, Sarah Blaney welcomes back property expert James Lynch to look into title splitting. While James’s expertise centers on splitting freehold buildings into leasehold units, the practical strategies he shares today are transferable to almost any property transaction.

What You'll Learn:

• How to use prop tech tools to source profitable deals more efficiently.
• Clever ways to legally reduce stamp duty through commercial classifications.
• Techniques for conducting due diligence remotely to save time and travel.
• Why expediting title registration can save thousands on bridging finance.

Timestamps

[02:00] - Tip #1: Use PropTech to Source Smart

[04:41] - Tip #2: Go Off-Market

[05:50] - Tip #3: Save on Stamp Duty (Legally)

[08:39] - Tip #4: Due Diligence from a Distance

[14:17] - Tip #5: Work with the Right Solicitors

[18:16] - Tip #6: Save on Lease Plans

[22:54] - Tip #7: Get the Right Valuer

[29:13] - Tip #8: Choose the Right Lender and Broker

[31:57] - Tip #9: Expedite Title Registration

[34:07] - Conclusion & How to Contact James

This Episode is Kindly Sponsored by:

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Follow James Lynch Socials:

• LinkedIn: https://www.linkedin.com/in/jameshlynch/?originalSubdomain=uk
• Website: http://www.thetitlesplitconsultant.co.uk/
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Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership

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In this episode of This Property Life, host Sarah Blaney looks into the world of Houses in Multiple Occupation (HMOs) with seasoned investor Henry Davis. With over 30 years of experience, Henry shares the practical lessons he's learned from building and managing both small and large-scale HMOs.

What You'll Learn:

• Why soundproofing and room design are critical for tenant retention in HMOs
• How to future-proof your properties to stay compliant with changing regulations
• The financial and legal advantages of going back to brick when developing HMOs
• Smart sourcing and furnishing strategies that balance quality with cost
• How to choose properties that are more likely to gain planning permission, even in Article 4 areas

Timestamps

[03:45] - Why Henry chose HMOs for better cash flow

[05:13] - Design pitfalls and why most HMOs fail at tenant retention

[11:26] - Choosing your tenant avatar: professionals vs. students

[20:33] - Furniture, fittings, and clever layout tips for durability

[26:16] - How to create inviting, robust communal areas

[36:32] - Scaling up: large HMOs, planning permission, and property selection

[38:16] - Data-driven investing and mastering local planning policy

[42:51] - Budgeting, working with QSs, and paying builders wisely

[55:03] - Final advice, practical tips, and where to find Henry’s resources

This Episode is Kindly Sponsored by:

Visit thispropertylife.co.uk for more resources, networking events, and industry insights.

Follow Henry Davis Socials:

• LinkedIn: https://www.linkedin.com/in/henrydavisproperty/
• Website: https://henrydavisproperty.com/
• Instagram: https://www.instagram.com/henrydavisproperty/
• Facebook: https://www.facebook.com/HenryDavisProperty

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• Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ  
• YouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg 

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Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership 

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In the fourth and final episode of the "Controlling the Uncontrollables" mini-series, Nick and Caroline look into one of the biggest fears in property development: working with builders and contractors. From sourcing reliable tradespeople to managing quotes, timelines, and red flags, this episode arms property investors with practical insights to help them navigate the tricky terrain of contractor relationships.

What You'll Learn:

• The critical qualities of a good contractor and how to spot red flags early.
• Why pricing up refurbs before an offer is accepted can backfire.
• Where and how to find reputable builders in your investment area.
• The importance of clearly defining spec levels and managing contractor relationships.
• How to protect yourself financially when working with tradespeople.

Timestamps

[02:58] - What Makes a Good Contractor

[06:37] - Why You Don’t Need a Builder Before a Deal

[09:35] - Estimating Refurb Costs Independently

[12:56] - Finding Reputable Builders

[16:35] - What to Ask When Vetting a Builder

[21:44] - Setting Expectations and Incentivising Deadlines

[28:59] - Spotting Red Flags and Trusting Your Gut

[40:50] - Payment Terms and Financial Protection

[48:12] - Looking Ahead: Buying Boring Businesses

This Episode is Kindly Sponsored by:

Visit thispropertylife.co.uk for more resources, networking events, and industry insights.

Follow Caroline Claydon Socials:

• LinkedIn: https://www.linkedin.com/in/caroline-claydon-property   
• Website: https://www.carolineclaydon.com/ 

Follow Nick Claydon Socials:

• LinkedIn: https://www.linkedin.com/in/nick-c-651a141a1/ 

Follow This Property Life Podcast on Socials:

• Website: https://thispropertylife.co.uk/ 
• Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 
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Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership

——————————————————————

In this episode, Sarah Blaney and Nick Claydon respond directly to a recent BBC Panorama documentary on the UK government's ambitious pledge to build 1.5 million new homes by 2029.

What You'll Learn:

• Why the government’s 1.5 million homes promise might as well be fiction
• How Thatcher’s Right to Buy scheme broke the social housing system
• Why apprenticeships dried up, and why nobody wants to be a bricklayer anymore
• How local councillors and planning committees kill good development
• What “grey belt” land is, and why it could be the real answer to housing shortages

Timestamps

[03:02] - Housing Crisis Origins: Thatcher, Right to Buy & No Replacements

[04:57] - Construction Chaos: Brexit, Boomers & University Overload

[09:10] - The Fantasy of 1.5 Million New Homes

[12:16] - Why Landlords Aren’t the Villains You Think

[15:24] - Greenbelt vs Grey Belt: The Land We Can’t Touch

[20:17] - Planning Hell: Local Council Shenanigans

[27:31] - Eight Years for Planning on a Brownfield Site

[29:34] - Nutrient Neutrality, Sewage, and 40-Year Mistakes

[32:48] - Final Thoughts: How Do We Fix This?

This Episode is Kindly Sponsored by:

Visit thispropertylife.co.uk for more resources, networking events, and industry insights.

Follow Sarah Blaney Socials:

• LinkedIn: https://www.linkedin.com/in/sarahpropertyandbusiness/  
• Facebook: https://www.facebook.com/sarah.blaney.1232
• Instagram: https://www.instagram.com/sarah.in.property/

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• LinkedIn: https://www.linkedin.com/in/nick-c-651a141a1/ 

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• Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 
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Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership

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In this episode, Sarah Blaney and Nick Claydon return to the topic of Energy Performance Certificates (EPCs), shifting the focus from England and Wales to the Scottish property market.

What You'll Learn:

• Key differences between EPC requirements in Scotland vs. England and Wales
• What the new heat retention rating (HRR) system means for landlords
• The impact of proposed changes on different types of housing stock
• Practical strategies for choosing compliant, investment-friendly properties
• Why ex-local authority homes may offer the best opportunities for investors

Timestamps

[01:50] - Current EPC Standards in Scotland

[03:32] - Introduction of the Heat Retention Rating (HRR)

[04:20] - Clean Energy and Heating Systems

[05:51] - The Unintended Consequences of Policy

[07:47] - EPC Validity Period Shrinks to Five Years

[08:37] - Types of Housing Stock in Scotland

[12:01] - Investment Recommendations

[15:48] - Should You Panic or Prepare?

This Episode is Kindly Sponsored by:

Visit thispropertylife.co.uk for more resources, networking events, and industry insights.

Follow Sarah Blaney Socials:

• LinkedIn: https://www.linkedin.com/in/sarahpropertyandbusiness/  
• Facebook: https://www.facebook.com/sarah.blaney.1232
• Instagram: https://www.instagram.com/sarah.in.property/

Follow Nick Claydon Socials:

• LinkedIn: https://www.linkedin.com/in/nick-c-651a141a1/ 

Follow This Property Life Podcast on Socials:

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• Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 
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Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership

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In this episode of This Property Life, host Sarah Blaney sits down with Peter Vandervennin, an industry veteran with 25 years as a mortgage advisor and 43 years in financial services. With rates fluctuating, fees soaring, and lender criteria tightening, UK property investors face increasing challenges when financing or refinancing properties.

What You'll Learn:

• Why lender fees are currently so high and who’s really to blame.
• The real reason mortgage products get pulled last-minute.
• What brokers know that AI tools and comparison websites don’t.
• The most common reasons mortgage applications get declined (and how to avoid them).
• What lenders are actually looking for (beyond the paperwork).

Timestamps

[00:00] - Introduction to the Episode

[02:03] - Why Lender Fees Are Sky-High

[06:45] - Why Mortgage Products Are Pulled Overnight

[09:03] - Do Lenders Dislike Certain Postcodes or Landlords?

[14:27] - Why Refinancing is So Painful Now

[18:23] - Do Lenders Really Check Affordability?

[22:20] - Why Mortgage Applications Get Declined

[28:36] - What Are Lenders Really Looking For?

[30:48] - Fix for 2 Years, 5 Years, or Go Variable?

[33:43] - Final Thoughts and How to Connect

This Episode is Kindly Sponsored by:

Visit thispropertylife.co.uk for more resources, networking events, and industry insights.

Follow Peter Vandervennin Socials:

• LinkedIn: https://www.linkedin.com/in/peter-vandervennin-dipfa-cemap-mifs-52112b25/
• LinkedIn (Company): https://www.linkedin.com/company/the-mortgage-consultancy/
• Website (Company): https://www.themortgageconsultancy.co.uk/

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• Website:https://thispropertylife.co.uk/ 
• Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 
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Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership

——————————————————————

In this episode of This Property Life, Sarah Blaney and Nick Claydon break down the ongoing discussions around EPC (Energy Performance Certificate) changes in England and Wales. With rising concerns about the cost of property upgrades and the future of rentability, the hosts offer practical advice for landlords and investors, aiming to reduce panic and provide clarity.

What You'll Learn:

• EPC ratings for rentals will rise to a C by 2028 for new tenancies and 2030 for all tenancies
• Should landlords with a D or below rating act now to avoid future compliance issues
• The £15,000 cap on EPC upgrades may not be enough in high-cost areas
• How the political changes could delay or alter the implementation of EPC rules
• Grandfather rights may provide enough time for landlords to adjust to the new standards
• How will the housing supply shortage impact the availability of rental properties

Timestamps

[00:00] - Introduction

[01:27] - Episode Overview

[03:33] - Breakdown of Energy Performance Certificate

[05:06] - Practical Steps for Landlords

[09:27] - Discussion on Political Uncertainty

[13:06] - Cost Cap and Regional Disparities

[14:45] - Housing Market Impact on Tenants

[18:03] - The Importance of Long-Term Outlook

[19:54] - Final Thoughts and Advice

This Episode is Kindly Sponsored by:

Visit thispropertylife.co.uk for more resources, networking events, and industry insights.

Follow This Property Life Podcast on Socials:

• Website:https://thispropertylife.co.uk/ 
• Instagram: https://www.instagram.com/thispropertylife/# 
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• Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 
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Ready to unlock your Property Investment game in 2025? Grab your FREE copy of our Buy-to-Let market guide today! https://bit.ly/buy-to-let-hotspots-guide-2025 ——————————————————————

In this episode of This Property Life, Nick and Caroline continue their four-part series on controlling the Uncontrollables in property investing. In this part, they focus on navigating the complex world of planning permissions, builders, and contractors.

What You'll Learn:

• The importance of understanding the planning process and how it varies from council to council.
• The difference between permitted development and full planning applications, and how to use them strategically.
• How to choose the right architects and planning consultants who can help push your projects through.
• Real-world experiences of dealing with unpredictable planning officers and how to deal with delays or rejection.
• How to make smart decisions with builders and contractors while avoiding the typical traps that lead to frustration and delays.

Timestamps

[00:00] - Introduction

[01:21] - Overview of the Episode

[02:40] - Understanding the Planning Process

[05:55] - How To Use The Local Authority's Planning Portal

[08:18] - Pros and Cons of Pre-Applications

[15:25] - Working with Historic Scotland

[22:33] - Planning Timeframes, Delays & Tactics

[28:59] - How The Committee Process Works

[36:19] - Political Bias & Planner Personality Conflicts

[42:31] - Closing Thoughts: and Key Takeaways

This Episode is Kindly Sponsored by:

Visit thispropertylife.co.uk for more resources, networking events, and industry insights.

Follow Caroline Claydon Socials:

• Instagram: https://www.instagram.com/carolineclaydon.property/  
• LinkedIn: https://www.linkedin.com/in/caroline-claydon-property   
• Website: https://www.carolineclaydon.com/ 

Follow This Property Life Podcast on Socials:

• Website: https://thispropertylife.co.uk/ 
• Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 
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• YouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg 

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Ready to unlock your Property Investment game in 2025? Grab your FREE copy of our Buy-to-Let market guide today! https://bit.ly/buy-to-let-hotspots-guide-2025 ——————————————————————

In this episode of This Property Life, Sarah Blaney welcomes Elina James to discuss the dynamic world of property flipping in one of the most competitive markets in the world; London. Property flipping in high-value areas often feels unattainable, but Elina proves otherwise with her bold and strategic approach.

What You'll Learn:

• How to creatively structure a property deal in a high-value market like London
• The power of networking and relationship-building in finding off-market deals
• Why understanding your target buyer is essential in property design and renovation
• How to deliver high-impact renovations quickly and cost-effectively
• The strategic value of multiple exit options and smart negotiation tactics

Timestamps

[00:00] - Introduction & Guest Welcome

[03:32] - From Finland to London: Elina’s Property Journey

[05:53] - How Networking Unearthed a Hidden Gem

[08:57] - Creative Deal-Making and Securing Below Market Value

[12:12] - Rapid Renovation: A 2.5-Week Turnaround for £21K

[16:04] - High-End Marketing with a Twist

[21:00] - Agent Relationships & Finding the Next Deal

[22:10] - Key Takeaways for Flipping in Competitive Markets

[28:16] - Closing Thoughts

This Episode is Kindly Sponsored by:

Visit thispropertylife.co.uk for more resources, networking events, and industry insights.

Follow Elina James Socials:

• LinkedIn: https://www.linkedin.com/in/elinaajames/?originalSubdomain=uk
• Facebook: https://www.facebook.com/people/Elina-James-Property/61577611802724/#

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• Website:https://thispropertylife.co.uk/ 
• Instagram: https://www.instagram.com/thispropertylife/# 
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Ready to unlock your Property Investment game in 2025? Grab your FREE copy of our Buy-to-Let market guide today! https://bit.ly/buy-to-let-hotspots-guide-2025 ——————————————————————

In this second episode of their four-part series, Nick and Caroline look into the complexities of property lending, a crucial yet often misunderstood part of property investing. Focused on larger and more complex development projects, this episode uncovers the true risks, strategies, and horror stories involved in financing property deals.

What You'll Learn:

• Why understanding regulated vs. unregulated lending can make or break your project.
• The red flags to look out for with development finance and bridging loans.
• How to structure your lending to reduce risk (and avoid losing your house).
• The critical importance of knowing your exit lender before you start.
• Why private lending and strong broker relationships are often better than flashy deals.

Timestamps

[00:00] – Intro & Overview of the 4-Part Series

[01:56] – Why Lending is Crucial and When You Need It For Your Projects

[05:27] – The Importance Of Accurate Numbers And Avoiding Over-Optimistic Estimates

[08:59] – Regulated vs. Unregulated Lending Explained

[15:40] – Planning, Bridging & the Risks of Timeframes

[18:48] – How Development Finance Works & Why It’s Risky

[24:38] – Real-Life Red Flag Stories (And Close Calls)

[27:23] – The Dangers of Going “All In” with One Lender

[39:40] – Scaling, Private Equity & Knowing Your Risk Appetite

[44:54] – Closing Thoughts & Teaser for the Next Episode

This Episode is Kindly Sponsored by:

Visit thispropertylife.co.uk for more resources, networking events, and industry insights.

Follow Caroline Claydon Socials:

• LinkedIn: https://www.linkedin.com/in/caroline-claydon-property   
• Website: https://www.carolineclaydon.com/ 

Follow This Property Life Podcast on Socials:

• Website: https://thispropertylife.co.uk/ 
• Instagram: https://www.instagram.com/thispropertylife/# 
• Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 
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