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Once a month, Simon Misiewicz from Optimise Accountants joins us to tackle a UK property tax topic — with one eye always on those of us based overseas.

This month: Section 24.

If you hold UK property in your personal name and you have a mortgage on it, this one directly affects you.

And if you're a higher-rate taxpayer, it may be affecting you far more than you realise.

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Once a month, Simon Misiewicz from Optimise Accountants joins us to tackle a UK property tax topic — with one eye always on those of us based overseas.

This month: Section 24.

If you hold UK property in your personal name and you have a mortgage on it, this one directly affects you.

And if you're a higher-rate taxpayer, it may be affecting you far more than you realise.

What Is Section 24?

Section 24 is the mortgage interest relief cap introduced by the UK government for individual landlords.

Before Section 24, you could deduct your full mortgage interest costs from your rental income before calculating your tax bill.

After Section 24, you can no longer do that.

HMRC now taxes your gross profit — rental income minus expenses like repairs, letting fees, and maintenance — before deducting mortgage interest.

You do receive some relief on your mortgage interest costs, but only at 20%, regardless of the rate of tax you actually pay.

The Numbers: Basic Rate vs Higher Rate Taxpayers

Take a simple example: £100 gross rental profit, £30 mortgage interest.

For a basic rate taxpayer, the impact is relatively modest.

Tax is charged on the £100 at 20% (£20), then you receive 20% relief on the £30 mortgage cost (£6 back), leaving a tax bill of £14.

For a higher rate taxpayer, the picture changes significantly.

Tax is charged on the £100 at 40% (£40), then the same £6 mortgage relief applies, leaving a tax bill of £34.

That is a tax bill of £34 on a net profit — before tax — of just £70.

When It Gets Worse: High-Value Properties

The problem becomes most acute in higher-value areas — London, Surrey, the South — where mortgage interest costs are high relative to rental income.

Simon gives the example of a landlord with £100 gross profit but £70 in mortgage interest costs.

The net profit before tax is £30.

HMRC taxes the gross profit of £100 at 40%, giving a tax bill of £40, then applies £14 relief on the £70 mortgage interest, leaving a net tax bill of £34.

But the landlord only made £30.

They are paying £34 in tax on a £30 profit.

That is a loss-making property — not because the rent is too low, but because of Section 24.

The worst case Simon has seen in practice: a client facing a tax bill of 165% of their real net profit.

In other words, they paid £165 to HMRC for every £100 they actually made.

Who Is Actually Making Money From Your Property?

Simon puts it plainly: if you are in this position, ask yourself who is making money from your property.

In his high-value example, the bank takes £70 and HMRC takes £34.

The landlord is left with a negative return.

The bank and HMRC are the ones benefiting — not you.

The Limited Company Solution

Section 24 does not apply to limited companies.

A limited company can still fully deduct mortgage interest costs against rental income before calculating its tax liability.

This is the primary reason most new UK property investors are now buying through a limited company structure rather than in their personal name.

The Expat Consideration

For those of us based overseas, there is an additional dimension.

If you hold UK property in your personal name, you become the taxable person — wherever in the world you happen to be living.

If you move to a country that taxes worldwide income, your UK rental profits could be taxed there as well as in the UK.

Holding property inside a UK limited company can provide a layer of separation from that risk.

However, limited companies come with their own complication: the risk of being taxed twice — once through corporation tax and again when you draw income.

As Simon and John both stress, there is no one-size-fits-all answer.

The right structure depends entirely on your personal circumstances, where you are based, and where you plan to be in the future.

Key Takeaways

Section 24 taxes gross rental profit, not net profit — mortgage interest is no longer fully deductible for individual landlords.

Basic rate taxpayers are largely unaffected; higher rate taxpayers face a significant additional burden.

In high-value areas with large mortgages, landlords can end up with a negative after-tax return on a property that appears profitable on paper.

The worst case Simon has seen: 165% tax on real profits.

Limited companies are not subject to Section 24 — which is why most portfolio investors are now buying through a corporate structure.

Expats holding property in their personal name may face additional tax exposure in their country of residence.

Always take case-by-case professional advice before changing your ownership structure.

Guest

Simon Misiewicz — Optimise Accountants

Simon specialises in UK property tax for landlords, portfolio investors, and expats.

Link to Optimise Accountants in the episode description.

Not financial or tax advice — always consult a qualified professional for your personal circumstances.

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Hello there.

Can you imagine going to refinance your UK property and the lender's surveyor comes back with a zero valuation?

That is the reality for owners of an estimated 258,000 leasehold flats across the UK logged with dangerous cladding since the Grenfell Tower fire.

Today's guest is James Barry — an expat, a property investor, and someone who has been living through the UK cladding crisis for six years.

We explore the issues through the lens of James's own portfolio to make a complicated subject as clear as possible.

Free Cladding Crisis Help Sheet

The 11-Metre Rule

The government drew a funding line at 11 metres.

Buildings below that height receive no government funding for fire safety remediation — the cost falls on the leaseholder.

Bills of £10,000 to over £100,000 have been reported for sub-11-metre buildings.

Buildings above 11 metres may qualify, but strict criteria apply and not all leaseholders are eligible.

As of July 2026, a new fund for sub-11-metre buildings opens on 17 August 2026.

👉 Buildings Under 11m — New Funding (GOV.UK)

Non-Qualifying Leaseholder Status

If you own more than three properties — freehold or leasehold, jointly or individually — you are classified as a non-qualifying leaseholder.

This means you cannot access government funding for internal fire safety works, even in a building that qualifies on height.

Part-ownership counts.

If you own a property jointly with a partner and together you hold four or more properties, both of you become non-qualifying.

The Status That Stays With the Flat — Permanently

This is the piece most investors and solicitors are missing.

The non-qualifying status is perpetual — it stays with the flat when you sell it.

The key cut-off date is 14 February 2022.

If a flat was owned by a non-qualifying leaseholder before that date, the status follows the property forever.

The buyer inherits it, even if they only own one property.

Fire safety regulations continue to evolve — a B1 EWS1 rating that satisfies lenders today may not be enough in the future.

The EWS1 Form

The External Wall Survey (EWS1) determines whether a lender will lend on a leasehold flat in a building with cladding.

A B2 rating means lenders won't lend until remediation raises it to B1.

James's fourth flat spent five and a half years rated B2 before finally achieving B1.

👉 RICS Cladding EWS1 FAQs

The Waking Watch Scheme

While remediation is underway, trained wardens must patrol a building around the clock as a temporary fire safety measure.

For James, this cost an extra £100 per month — on a flat worth around £100,000 — for two years.

Can You Actually Transact?

Market value becomes secondary to a more fundamental question: can you sell the property at all?

Some lenders won't lend on affected flats, which shrinks the buyer pool and suppresses value.

The Human Cost

Some leaseholders have taken their own lives due to the financial and emotional strain of this crisis.

James is clear that his own difficulties are nothing compared to those of the families who lost people in the fire itself.

If you or someone you know is struggling, please contact the Samaritans: 116 123 (free, 24 hours).

5 Questions to Ask Your Solicitor Before Buying a Leasehold Flat

1. Is the seller a qualifying or non-qualifying leaseholder?

2. Can the seller provide their completed Leaseholder Deed of Certificate?

3. What is the current EWS1 rating, and are any remediation works outstanding?

4. What is the height of the building and does it qualify under the Cladding Safety Scheme?

5. Has the service charge risen due to fire safety costs, and are further increases expected?

Key Takeaways

Owning more than three properties makes you a non-qualifying leaseholder.

Non-qualifying status stays with the flat permanently — buyers inherit it.

The cut-off date is 14 February 2022.

A B1 EWS1 rating today does not guarantee freedom from future costs.

Always ask your solicitor to check qualifying status before exchanging on any leasehold flat.

Useful Links

Grenfell Tower Inquiry
Cladding Safety Scheme Overview
Buildings Under 11m — New Funding
Building Safety Leaseholder Protections
End Our Cladding Scandal
Leasehold Knowledge Partnership
PAC Report: Cladding Crisis — Appalling Impact Persists

Not financial or legal advice — always consult qualified professionals.

Keywords: UK cladding crisis, leasehold flat UK, EWS1 form, non-qualifying leaseholder, cladding safety scheme, Grenfell cladding, UK fire safety flats, waking watch scheme UK, leasehold property problems UK, expat property podcast, UK flat investment problems

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UK mortgage rates are rising even as the Bank of England holds.

Bridging lenders are embracing automated valuations.

And a potential overhaul of stamp duty and council tax is being discussed at government level.

In this month's Mortgage Monday, the Expat Property Guy and Shaz Ahmed of Elan Property Finance unpack what's actually moving in UK property finance right now.

And what it means for expat and overseas investors (and UK based investors too!

We discuss:

Bank of England holds at 3.75% — but mortgage rates keep climbing

The MPC voted 6-3 to hold the base rate at 3.75%, with three members pushing for a rise to 4%.

That's a shift from last month, when only one member voted for an increase.

Shaz explains why this matters: swap rates — not the base rate — drive mortgage pricing, and they've been creeping up due to sticky inflation, higher funding costs, and geopolitical uncertainty.

Several lenders pulled products this month with little notice, repricing upward by around 0.25%.

The Bank of England base rate and your mortgage rate are not as connected as most people assume.

If you're weighing whether to fix now, Shaz's view is that rates are more likely to rise before they fall — and when they do eventually come down, history suggests they won't return to previous lows.

Mortgage approvals are up — but the market still feels sluggish

Bank of England data shows mortgage approvals increased in June. Lenders have money to deploy and they need to lend it.

But affordability pressures, cost of living, and slower conveyancing mean many buyers are hesitating.

Residential brokers are busier, but chains are taking longer.

Lenders are getting creative — including 100% mortgages

Banks and building societies are relaxing affordability rules and packaging products differently to help buyers onto the ladder.

At least one lender has launched a genuine 100% mortgage for residential buyers. Shaz's view: the risk of negative equity in the current market makes this a concern worth taking seriously, regardless of what lenders say on paper about affordability.

Mortgages cheaper than rent: Middlesbrough, Burnley, Merthyr Tydfil

A recent analysis found mortgage payments are cheaper than rental costs across significant parts of the UK.

The top three locations: Middlesbrough, Burnley, and Merthyr Tydfil.

The catch, of course, is the deposit. The bank of mum and dad remains one of the UK's largest lenders.

Stamp duty and council tax: could they be replaced by an annual property charge?

While it's only a proposal at this stage, it's gained enough traction to be worth understanding.

The idea: replace stamp duty and council tax with an annual charge of 0.48% of property value for residential owners, and double that for investment properties.

For landlords, that increased cost is likely to flow straight through to tenants.

The conversation also covers the parallel proposal to align England's conveyancing process with Scotland's earlier exchange system — reducing gazumping, speeding up chains, and giving both buyers and sellers more certainty earlier.

Shaz confirms that Scottish transactions do move materially faster.

Bridging finance: automated valuations are changing the speed and cost equation

One of the most practical updates in this episode for active investors: bridging lenders are increasingly comfortable with AVMs — automated valuations based on Rightmove and public data — rather than requiring a full physical survey.

The difference is significant. A physical valuation can cost up to £1,000 and take two weeks.

An AVM costs around £35 and turns around in a day. Lenders may request internal photos to confirm the property isn't a building site, but the direction of travel is clear.

The 6-month refinancing rule: it's not as rigid as you think

A question Shaz gets regularly from newer investors: do I have to wait 6 months after purchase before I can refinance?

The short answer is no — there are now enough lenders, at competitive rates, who will refinance within 6 months of ownership at full value, provided you have evidence of works carried out: invoices, schedule of works, bank statements.

Foundation Home Loans goes further: their written policy allows day-one refinancing for auction purchases bought with cash or bridging, even without renovation, recognising that auction buyers may have secured a genuine below-market purchase.

One important caveat on anti-money laundering: if your deposit came from a private third-party investor acting as an informal bridger, lenders will not be comfortable within 6 months.

Bridging finance is different — the bridging lender will typically have conducted AML checks on the investor already.

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If you're tempted to skip this one because it sounds like it's not for you — that instinct is probably worth examining. It's exactly what Bhadar Shokar would say.

Bahdar is a psychotherapist who has spent over 20 years working with vulnerable children who've experienced trauma.

In that work, he watched early experiences create deep patterns — ways of coping with the world — that shape a person's capacity to trust, regulate emotions, handle stress, and build relationships.

He then noticed those same patterns showing up, almost unchanged, in the adults those children became. In business. In property.

He joined us first on Episode 269, where he talked through how he bought a block of flats with a 10% deposit. Today, he's back to talk about the part of the property story that nobody posts about on LinkedIn.

We discuss:

The Gap Between Financial Success and Fulfillment

Bahdar's starting question isn't what's your goal. It's: if I gave you £1 million tomorrow, how would you actually choose to live your day?

Most property investors have a number — £10,000 a month, financial freedom, a certain portfolio size. Very few have thought carefully about what sits behind the number. And when they reach it, or get close to it, they discover the number wasn't really the point. The restlessness doesn't stop. The drive doesn't stop. The relationships that suffered along the way don't automatically repair.

Success and fulfilment, Bahdar argues, are not the same thing. And the patterns that got you to one may actively prevent you from experiencing the other.

Entrepreneurship as a Trauma Response

Where does the drive really come from?

Bahdar traces it back to early experience. A mentor he worked with had been told by his uncle he'd never amount to anything. That became the engine. The property portfolio, the deal count, the financial freedom — all of it, at root, a response to one sentence from one person decades earlier.

The need to be in control. The inability to delegate. The feeling that you're not employable. The sense that feedback is criticism, that criticism is shameful, that shame must be avoided at all costs. These aren't personality quirks. They're patterns. And they formed long before you found property.

Bahdar asks: is entrepreneurship, at least partly, a trauma response? The wish to control your future because at some point you couldn't? The conversation is uncomfortable. It's also useful.

The Negative Chatterbox — And Why You Can't Switch It Off

Imposter syndrome when calling an estate agent. Paralysis when asking an investor for money. Paying for a mentoring programme and then doing nothing with it. Bahdar hears this constantly, and his view is direct: that's not a mentoring problem. That's an internal dialogue problem.

The internal chatterbox — the voice that says you're not good enough, you don't belong here, who do you think you are — cannot be silenced. Bahdar is clear on this. Trying to stop the self-talk doesn't work.

What does work is awareness. Catching the thought as it arrives. Watching it pass. Not letting it run your decisions without your knowledge.

The patterns are in the unconscious. Most of us can't name, at the end of a day, what we've been saying to ourselves. But those conversations are happening regardless, and they're shaping every decision we make.

Property Disaster: Scarborough, Distance, and Emotional Regulation

Bahdar's own most recent property challenge involves the Scarborough block from Episode 269 — the refurbishment took longer and cost more than planned after the person managing it on the ground experienced a significant bereavement and disappeared from the project for six weeks.

No schedule of works. No communication with the contractors. Bahdar, managing from a distance, had to take the reins while doing his day job.

He could have lost his composure with the builders. He didn't. He held firm, stayed calm, laid out clear timelines, and asked whether they were reasonable. The contractor who had been getting heated on the phone rang him the next day to apologise.

Bahdar's reflection: the cost was higher. The profit was lower. But neither is life-ending. Staying emotionally regulated under pressure is a learnable skill — and in property, it's one that pays returns in almost every direction.

Property Is a People Business

Tenants want to be heard. Builders want to be treated as professionals. Letting agents want clear instructions. Investors want to trust who they're backing.

Every one of those relationships runs on the same thing: the patterns you've developed around trust, communication, and control. And if those patterns were formed in an environment where trust was scarce or control felt like survival, they will show up in your property business — often without you realising it.

Bahdar's approach with his own tenants: he tells them to call him directly. He'd rather know about a problem than have it fester. He models his properties on places he'd be willing to live himself. He doesn't maximise rent just because the market would bear it. A measured increase, he argues, is not softness — it's relationship management.

Three Things to Take Away

These are John's three points to ponder from the conversation:

1. We are all probably susceptible to repeating unconscious patterns formed in childhood — patterns that shape how we deal with money, risk, relationships, and stress in our property business, often without realising it.

2. The negative internal dialogue cannot be stopped — but it can be noticed. The goal is awareness, not silence: catching the voice as it comes through, rather than letting it run your decisions from the background.

3. Property is a people business. Your patterns around trust, control, and communication will directly affect your results — with builders, agents, tenants, and investors alike.

Guest

Bahdar Shokar — Psychotherapist and Property Investor Bahdar works with property investors and business owners on the personal side of their property journey. Links to Bahdar in the episode description.

First appeared on Episode 269.

Key Takeaways

Financial success and personal fulfilment are not the same destination — reaching one doesn't automatically deliver the other
The drive behind many property investors traces back to early experiences: a parent's expectation, a teacher's dismissal, a need to prove something to someone
Imposter syndrome and inaction after mentoring are internal dialogue problems, not knowledge problems
You cannot silence the negative chatterbox — but you can build awareness of it
Emotional regulation under pressure is a learnable skill, and in property it pays off in almost every interaction
Treating a property as someone's home, not just an asset, changes the landlord-tenant relationship in practical and measurable ways

Expat Property Story is the twice-weekly UK property podcast for expats and remote investors. Not financial or therapeutic advice — always consult qualified professionals.

Keywords: property investor mindset, property psychology UK, imposter syndrome property investing, property investor mental health, entrepreneurship trauma response, internal dialogue property, UK property mindset podcast, emotional regulation property, property investing fulfillment, self-sabotage property investor, expat property podcast

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Once a month, auction specialist Jay Howard from Hammered Auctions joins us to report from the front line of UK property auctions.

Jay and his business partner Piotr Rusinek are property traders, authors of the UK's number one bestselling book on auctions, and the people behind the Auction Buyers Club, Property Trading Academy and Beyond the Hammer

This month: a 100% clearance rate, the monkey brain that costs investors real money, why summer 2025 is Christmas for property traders, and a valuation question that almost every auction buyer gets wrong.

Barnet Ross: 100% Clearance

Jay's Auction Buyers Club recently hosted two senior figures from Barnet Ross — a London-based auctioneer whose catalogue runs heavily to mixed-use and commercial property — for a live run-through of their upcoming lots.

Out of roughly 20 lots, every single property sold. Not one withdrawal. 100% sold prior or on the day.

That figure is harder to achieve than it sounds. A 100% clearance rate means no unsold lots, no vendor disappointments, no stock carried forward. It's the number auctioneers quietly compete on, and Barnet Ross had a very good month.

Don't Be the Monkey: Pre-Auction Bidding Discipline

Two members of the Buyers Club were tracking a property in a recent Savills auction, guided at around £1.1 million with a desktop valuation of £1.98 million. After running the numbers — holding costs, refurbishment, letting — their maximum was £1.225 million. They offered £1.2 million pre-auction.

A competing buyer came in at £1.25 million.

The question they brought to Jay: should we go to £1.3 million?

Jay's answer: you can offer £1.3 million. But the moment you do, the other buyer goes to £1.35 million. Then you're looking at £1.4 million. Then £1.5 million. You're in an auction. And you've stopped investing and started competing.

Jay calls it the monkey brain. You don't want the banana because it's a good banana. You want it because another monkey wants it. The moment that happens, you've lost the plot — and potentially a lot of money.

The practical resolution: there are five near-identical properties going into the next Allsop auction. Let the other buyer overpay. Go get one of those bananas instead.

"Christmas in Summertime": The Case for Buying Now

Jay's market read this month is direct: now is the time to buy.

Competition is muted. Many investors have stopped transacting. Flats in particular are trading at prices last seen in 2012 — which, Jay notes, doesn't require an economist to interpret. Buying a flat in a good area at 2012 prices and holding for one to two years represents significant capital upside, even before a refinance.

His phrase for the current auction environment: Christmas in summertime. The deals are there. The competition isn't. Investors in his Trading Academy are cycling capital straight back into the next auction the moment a trade completes.

For expat investors with capital ready to deploy, the message is clear: the window is open.

AVM vs Desktop Valuation: What Auction Buyers Actually Need to Know

A member of Jay's group raised a question about desktop valuations this month, and Jay's answer is worth unpacking properly because most auction buyers conflate two very different things.

AVM (Automated Valuation Model) A piece of technology — Hometrack is one of the better-known examples — that pulls data from multiple datasets and produces a confidence-weighted value and a 90-day sale figure. Costs around £30. Completely unemotional: the algorithm doesn't earn a fee if you buy, so it has no motivation to inflate the number.

Desktop Valuation A RICS-qualified surveyor doing their work remotely — comparables, pound per square foot, yield analysis — without visiting the property. More expensive than an AVM, more credible with lenders, but still a lender tool rather than a market price.

The critical point Jay makes: neither figure has any meaningful correlation with what buyers will actually pay at auction. What a lender values a property at, and what the market will bid it to on the day, are always two different numbers — sometimes very different numbers.

AVMs are useful for working out your maximum offer and your likely LTV. They are not a guide to auction value. A deal sourcer telling you the AVM supports their asking price has a motivation the AVM itself does not.

Stick to Your Guns: The Post-Auction Phone Call

A member of Jay's Property Trading Academy bid £150,000 on a property at a Pattinson's auction. The property went to £174,000. He didn't win. He moved on.

The following day, the auctioneer called. The winning bidder had pulled out. The property was available — for £174,000.

The investor's response: why would I pay £174,000? My maximum was £150,000. You can see my maximum was £150,000. You're asking me to pay £24,000 more than my number because someone else couldn't complete at theirs?

Jay's advice: stick to your guns. Your number is your number because of the analysis behind it. The fact that someone else bid higher and then couldn't complete doesn't change the fundamentals of the deal. Going beyond your maximum at that point isn't bold investing — it's poor investing.

Guest

Jay Howard — Auction expert, property trader, author Jay and Piotr Rusinek are co-authors of the UK's number one bestselling book on property auctions. They run the Auction Buyers Club and the Property Trading Academy. Links in the episode description.

Key Takeaways

Barnet Ross achieved 100% clearance at their recent auction — every lot sold prior or on the day
Pre-auction bidding can trigger the monkey brain: competing to win rather than investing to profit. Know your number and hold it
Summer 2025 is a buyer's market at auction — competition is muted, flats are at 2012 prices, and capital is being redeployed fast by active traders
AVM and desktop valuations are lender tools, not market price guides — there is no reliable correlation between either figure and what buyers will bid on the day
AVMs are unemotional; deal sourcers are not. Understand the motivation behind any valuation figure you're shown
If you miss a lot and get a post-auction call, your maximum bid is still your maximum bid — the other buyer's failure doesn't change your numbers

Keywords: UK property auction news, property auction UK, buying property at auction, AVM valuation UK, desktop valuation property, property auction tips, auction bidding strategy, UK property market summer 2025, property trader UK, Auction Buyers Club, expat property podcast, buy to let auction UK, property auction clearance rate, post-auction offer UK

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Someone in the Expat Property Story network recently shared a scary story.

A remote investor had a camera set up on site so they could check progress from abroad.

The builder knew exactly where the camera was pointing. Everything in frame looked fine.

Behind it?

Chaos.

That's the world we're operating in when we run a UK refurb from Hong Kong, Dubai, or Singapore. And it's why this episode exists.

Tony Walker is a construction and property development consultant with decades of experience on both sides of the contractor relationship.

He's worked for builders and against them and joined us just a few episodes ago on Episode 301to talk about his role as co-founder of Refurb Calculator. and project delivery.

Tony walks through how to find a builder you can actually trust from the other side of the world, how to structure payments so you never end up 90% paid out but only 50% finished, what the red flags are that should make you walk away before a single brick is laid — and the one phone call that will immediately tell you whether a builder is likely to disappear with your deposit. It's not where you'd expect.

The Non-Negotiable: You Need Someone on the Ground

You cannot run a construction project from 6,000 miles away without a trusted person in the UK. That might be a project manager, quantity surveyor (QS), your architect, or even just someone in your network who understands construction. It might simply be your main contractor. If you trust them.

If you find a builder like that, don't let them go. Pay them on time. Do everything you agreed to do. A good builder is genuinely like gold dust.

How to Find a Reliable Builder in the UK

Step 1: Get a real recommendation Not "I've heard of someone." Not "my mate Dave knows a builder." A real recommendation is: I have used this person, or I know someone who has used this person and I can put you in direct contact with them. The distinction matters more than it sounds. Tony gives the example of builders recommending their own electricians — only to discover the electrician wasn't even qualified. A second-hand mention isn't a vouching.

Step 2: Join a property networking WhatsApp group in the area you're investing This is underused by remote investors. Property networking groups across the UK have WhatsApp groups full of local professionals — solicitors, project managers, QSs, electricians, builders — who have been used and vouched for by other investors in the group. Contact the host. Explain you're investing remotely and would like to connect with trusted tradespeople in the area. Most hosts are happy to help.

Step 3: Ask for recent references — and contact them yourself Don't accept a written reference. Ask to speak directly to the person. And pay attention to the dates: if all the references are from 5 or 6 years ago, ask why. People's standards and capacity change.

Step 4: Do your own due diligence Are they a member of the Federation of Master Builders or similar? Are electricians NAPIT-registered? Are gas engineers Gas Safe? Can they provide public liability insurance at the drop of a hat? (They should be able to.) Tony's view on Checkatrade and Bark: not all bad, but they don't do the background checks people assume they do. Treat them as a starting point, not a seal of approval.

Red Flags to Walk Away From

A one-line estimate. For any meaningful project, you need a breakdown — not necessarily line by line, but enough to show what the money covers. Strip-out, electrics (first and second fix), plastering, kitchen supply and fit, tiling, bathroom — each with a cost. This isn't bureaucracy. This breakdown forms the basis of your payment schedule. Without it, you have no reference point and no protection.

"Transfer £20,000 to this account." No invoice. No description. Just a bank number and an amount. In no other industry would that be acceptable.

An invoice is basic business practice — requesting one isn't distrust, it's the minimum standard that applies everywhere else. If a builder objects to providing one, that is your answer.

No plan for who's on site and when. Ask before you start: is this your only job? How many people will be on site? Who manages the sub-trades? A builder who can't or won't give you a rough programme isn't being "a builder" — they're leaving you with no basis for holding them accountable. You don't need a formal Gantt chart. You do need to understand the shape of the project.

References that are all several years old. Already mentioned, but worth repeating as a standalone warning. Follow it up.

Starting quickly if they seem too available. The best builders are busy. An immediate start can mean a cancelled job — which is fine, dig a little deeper. But a very large deposit followed by a very quick start followed by a prolonged disappearance is a cash flow play, not a scheduling quirk.

How to Structure Payments Properly

Tony is direct on this: being 90% paid out but only 50% through the work is exactly how investors get left with unfinished projects.

Deposits: Fine for securing a slot or covering specific materials — but only with a written contract. A JCT minor works contract for larger projects, or a solicitor-drawn contract for anything significant. For material deposits specifically, Tony's preferred approach: ask for the supplier invoice, pay the supplier directly, and the materials belong to you the moment they arrive on site. If the builder doesn't turn up on Monday, you still own what's been delivered.

Staged or milestone payments: Agree the stages before work starts. First fix electrics complete, then payment. Plastering signed off, then payment. Don't accept "we want £25,000 on Thursday" mid-project with no reference to the original breakdown.

Valuation-based payments: Tony's preferred method for larger projects. Every fortnight or month, go through the schedule line by line — what % of each element is complete — and pay only for what's been done. 7-day payment terms from valuation. Completely transparent for both sides.

You should never be significantly more paid out than you are progressed. If the numbers are out of step, something has gone wrong.

Managing the Project Once It's Underway

Regular video calls — weekly or fortnightly, whatever suits you — with Tony or a trusted representative present. Not just a pre-recorded walk-through. A live video where you can ask to see specific rooms. If you haven't seen the bathroom in the last two updates, ask for it. Before paying for completed work, ask for the evidence: electrical certificate, gas safe report, photographs. Not because you don't trust the builder. Because this is how professional projects work.

The Builders Merchant Tip

Tony's standout piece of advice — the free phone call that tells you more about a builder than any reference check.

Ring your local builders merchant — Travis Perkins, a local independent, whoever supplies the area — and ask them to recommend a builder.

They will only recommend builders who pay on time. A builder who is a poor payer — weeks or months overdue — almost certainly has cash flow problems. And a contractor with cash flow problems is a contractor who will use your deposit to fund their last project, disappear for three weeks mid-refurb, and blame everything on supply chain delays.

KeywordsUK property investment, UK property market, UK property refurbishment, Expat property UK, UK property podcast, UK property portfolio, Remote property investing, UK buy-to-let, UK property management, Refurbishment project UK, Hiring builders UK, Project management UK property, Quantity surveyor UK, Property investment for expats, Managing refurbishments remotely, Choosing a builder UK, Building contracts UK, Construction consultant UK, How to manage a UK property refurbishment from abroad, Tips for expat property investors in the UK, Finding reliable builders for UK property projects, Red flags when hiring builders in the UK, Payment structure for UK property refurbishment, How to vet a builder before handing over money UK, What to ask for before paying a builder in the UK, Using builders merchants to find trustworthy contractors UK, Structuring payments for remote UK property projects, Protecting your investment in UK property refurbishments, Risks of being an absentee landlord in the UK, Recommendations for UK property project managers, How expats can find good project managers for UK properties

Check out our new YouTube Channel @ExpatPropertyStory

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Here's a question worth sitting with: how do you find the next UK property hotspot before everyone else has already found it?

Not by following property magazines. Not by watching what's trending on Rightmove. The answer, it turns out, is more systematic than that and in this episode, Darren McNeill from our sponsors FMP uses Accrington in Lancashire as a live case study to show you exactly how it's done.

This month's property is a three-bedroom mid-terrace, purchased in July 2021 for ¬£85,000. It's now worth around ¬£115,000. Rent has gone from ¬£625 to ¬£725 a month.

But the deal is really just the evidence. The more useful thing is the framework behind it.

The Four-Pillar Framework: How to Evaluate Any UK Property Location

Before Darren's team recommends a town to a client, they run it through four criteria: population, employment, infrastructure, and schools.

Population
You need a large enough population to sustain genuine rental demand, but not so large that you're competing with institutional investors for stock. Accrington's population sits at around 35,000 ‚Äî large enough for a healthy tenant pool, small enough that property is still sensibly priced. The census figure is from 2022; the true number is almost certainly higher now.

Education
Accrington is part of the Nelson and Colne College group, currently one of the highest-performing college groups in England. This matters more than it sounds. Families with children make decisions about where to rent based on school catchment areas and further education options. Strong education infrastructure is a retention mechanism ‚Äî it keeps families in the area, and families in three-bedroom terraces.

Employment
This is where Accrington genuinely surprises. It has a strong advanced manufacturing base, including the UK's largest plastic housewares manufacturer and a major brick manufacturer. Beyond that, its position next to the M65 has made it a natural home for warehousing and distribution. Altham Business Park, a short drive from the town centre, is one of Lancashire's premier employment locations. Every new logistics hub that opens along the M65 corridor ‚Äî and they are still opening ‚Äî adds more jobs to the catchment area. Online retail is not going to stop requiring storage and last-mile delivery. That's a structural tailwind, not a trend.

Infrastructure and Transport
The M65 gives Accrington access to Manchester within an hour, and to Preston and Leeds with comparable ease. Land is cheaper here than in Greater Manchester, which is why industrial and logistics developers continue to choose this corridor over city-adjacent locations. Cheaper land, good motorway access, and growing employment: that combination is not accidental.

The Regeneration Signal: £90 Million of Committed Investment

One of the clearest forward-looking signals an area can send is public and government investment in regeneration. Accrington has sent that signal loudly.

There's a £70 million town centre masterplan: one of the largest regeneration programmes in Lancashire, focused on the town centre fabric and public realm.

In 2025, the town secured a further ¬£20 million in government "Pride in Place" funding, targeting long-term neighbourhood improvement, heritage restoration, and support for local businesses.

That's £90 million of committed investment in a town of 35,000 people. The people committing that money aren't guessing about the area's future any more than a major housebuilder is.

The New-Build Estate Strategy: Following the Developers

Which brings us to one of Darren's most transferable tips, and one worth keeping in your investing toolkit wherever you're looking.

Large-scale residential developers ‚Äî the ones committing to 1,000 or 2,000-home garden village projects ‚Äî do more due diligence on a location than most individual investors will ever do. They model demographics, employment projections, transport infrastructure, and planning policy before they put a single brick in the ground. They cannot afford to get it wrong.

So when a major developer commits to building in an area, that commitment is itself a data point.

Accrington is getting the Huncoat Garden Village: 1,800 new homes, a primary school, parks and green space, with direct access to Huncoat railway station and junction 8 of the M65. New-build prices at schemes like this typically start at ¬£200,000 or more ‚Äî because nobody is building starter homes anymore. The population that moves into those homes will have more disposable income than the current average, will spend in local businesses, and will gradually shift the economic and social profile of the whole area.

If you own a three-bedroom terrace in the streets surrounding that development, that shift works in your favour.

Practical Considerations for This Property Type

The third bedroom question
Not all three-bedroom terraces are truly three-bedroom terraces in the eyes of a valuer. A room needs to meet minimum size requirements ‚Äî roughly 6.5 square metres ‚Äî to be classified as a bedroom rather than a box room. Older bay-fronted terraces tend to be better proportioned; later builds, where internal bathrooms were retrofitted at the expense of room size, can be tighter. Check before you buy.

End-of-terrace
Darren owns several end-of-terrace properties in his own portfolio and reports no significant issues, provided the external end wall is properly rendered and pointed. Damp can appear if the wall has been neglected, but buyer hesitation around end terraces is often greater than the actual risk ‚Äî which creates negotiating room if you know what you're looking at.

The Proof: Norfolk Street, Five Years On

The Accrington thesis wasn't theoretical. The Norfolk Street three-bed mid-terrace went in at ¬£85,000 in July 2021. It's now valued at ¬£110‚Äì120,000 ‚Äî call it ¬£115,000, which is a ¬£30,000 gain and roughly 35% growth. Rent started at ¬£625 and sits at ¬£725, with the market rate for comparable properties now around ¬£750.

That's what the four-pillar framework, applied consistently, looks like in practice.

Keywords

UK property, buy to let UK, UK property investment, UK property market, UK real estate, Accrington property, Northwest property investment, Greater Manchester property, Buy to let Accrington, FMP property deals, Town centre regeneration UK, Rental yield UK, UK terrace houses, End of terrace UK property, Accrington rental market, Huncourt garden village, Best buy to let locations in Northwest England, Investing in Accrington property market, Hands-free turnkey property service UK, Population and employment trends in Accrington, Are end terrace houses a good investment UK, What to consider when buying three bedroom terraces UK, How regeneration schemes affect UK house prices, Buying near new build estates in the UK, Norfolk Street Accrington property case study, Rental demand for families in Accrington, Impact of infrastructure on UK property prices, Advanced manufacturing employment in Accrington, Government funding for Accrington regeneration

Check out our new YouTube Channel @ExpatPropertyStory

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309

EPC rules for UK landlords are changing from October 2026 — and a recent Nationwide report found that 67% of landlords have no idea it's coming.

This episode is here to make sure you're not in that 67%.

Energy Performance Certificates are about to get a major overhaul in England and Wales, and if you're a remote landlord managing UK property from abroad, these changes affect what you can rent, what you must upgrade, and how much it could cost you.

To break it all down, I'm joined by Tim Kampel of Box Property Solutions, who has spent nearly two decades doing EPCs day in, day out — as a domestic, commercial and retrofit assessor, and as a property investor himself.

Tim explains the new four-metric EPC system arriving in October 2026, which will score properties separately on fabric performance, heating system, energy cost, and smart readiness — replacing the single headline rating landlords are used to.

We cover the exemptions being removed, so heritage properties, HMOs where even a single room is let, and short-term rentals will all need a valid EPC.

We get into the big one: the requirement for most privately rented UK properties to reach EPC band C by 2030, with a £10,000 per-property spending cap.

Tim also gives an honest reality check on why EPC deadlines keep shifting, how the rules are being used as a political bargaining chip, and why "proposed" doesn't mean you can afford to ignore them.

And crucially for overseas landlords, Tim shares the single most important takeaway of the whole episode: under the new regime, you have to be able to prove everything — without evidence, the work simply won't count.

Please note this episode focuses on England and Wales; Scotland has its own EPC rules.

What you'll learn:

The new four-metric EPC system coming to England and Wales in October 2026, and what each metric measures.

Which EPC exemptions are being removed, and why heritage homes, HMOs and short-term lets are now caught.

What the EPC band C by 2030 requirement means for UK landlords, and how the £10,000 spending cap works.

Why EPC deadlines keep getting pushed back, and how to plan around rules that aren't yet law.

The order EPC improvements should be tackled in, from fabric-first insulation to heating systems, and when that advice isn't practical.

Why a recent software change has pushed some properties up to a C rating automatically, and why it's worth getting reassessed.

How solar could become one of the smartest ways for landlords, especially HMO owners, to raise a rating and cut running costs.

Guest: Tim Kampel of Box Property Solutions — a domestic, commercial and retrofit EPC assessor with nearly twenty years' experience, and a property investor himself.

If you own or plan to buy UK rental property, understanding these EPC changes now — rather than in 2029 — could save you thousands and keep your properties legally lettable. Details of how to join our WhatsApp group for overseas investors are below.

Keywords

UK property, UK property investment, UK property market, UK landlords, Expat property, UK real estate, Buy-to-let UK, Energy Performance Certificate (EPC), EPC legislation UK, EPC band C requirements, EPC rules England and Wales, Property investment UK, UK rental property, HMO EPC requirements, Heritage property UK, Solar panels UK property, EPC changes 2026 UK, Landlord tips UK, EPC compliance UK, Property refurbishment UK, Non-standard construction UK, How to improve EPC rating UK property, EPC exemptions for landlords UK, EPC and mortgage eligibility UK, Using EPC data for property investment UK, Best energy improvements for UK rental property, Proven ways to reach EPC band C UK, EPC requirements for short term rentals UK, Solar installation cost for UK landlords, Documenting property improvements for EPC UK, Landlord guide to energy efficiency UK, Avoiding non-standard construction in UK real estate, EPC for HMOs England and Wales, What can boost EPC rating in UK homes, Preferential green rate mortgages UK property, Tips for choosing an EPC assessor UK

Check out our new YouTube Channel @ExpatPropertyStory

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308

Check out our new YouTube Channel @ExpatPropertyStory

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307

Picture the scene. It's a Tuesday morning in Hong Kong. March 2023. I'm checking emails and there's one with the subject line: Valuation report attached.

My stomach churns — exactly like A-level results day.

We'd spent months refurbishing a block of four one-bed flats bought at auction. We needed a specific number from the valuer to move the deal forward. I open the attachment. Scroll straight to the bottom, the way you always do, skipping past the caveats.

The figure is £20,000 short of what we needed. Decided by one person. On one visit. On one day. Based on rules I didn't even know existed.

That Tuesday morning is the reason for this episode.

By the time we get to the end, you're going to understand exactly what happens behind the scenes of a UK property valuation, why valuers make the decisions they make, what red flags to look out for — and I'll share the one top tip that would have stopped that sinking feeling in its tracks.

What We Cover in This Episode

This is a solo deep dive, broken into eight sections:

1. What a UK Property Valuation Actually Is Most of us throw the word "valuation" around without thinking too hard about what's happening underneath it. When a lender sends out a RICS surveyor, they're protecting their money — not yours. That reframe matters.

2. The Two Main Types of Valuation — and Why It Matters Which One You're Getting Bricks and mortar valuations vs commercial (yield-based) valuations. Same property. Completely different methodology. Completely different numbers. And here's the counterintuitive bit: the lower the expected yield, the higher the commercial valuation comes out. Worth remembering.

3. The Three Flavours of Down Valuation A "down valuation" isn't one thing. There are at least three distinct types — a straightforward lower number, a retention (money held back until repairs are done), and the nastiest of the lot, a nil valuation. The fix for each one is completely different, so it's worth knowing which you've actually got.

4. Why Valuations Matter — and When They Don't Plenty of genuinely good deals with a willing buyer and a willing seller on both sides collapse purely because of one person's opinion on one particular day. But if you're holding for the long term, a down valuation is often just a paper event. Your equity hasn't disappeared — it's just temporarily invisible.

5. The Valuer's Perspective (and Why They're Working Inside a Cage) Here's the reframe that changes everything. After the 2008 financial crisis, valuers across the UK quietly adjusted their behaviour — being too generous is the version of being wrong that gets you sued. And lenders dictate exactly which comparables a valuer is allowed to use: sold only, not listed; within a certain radius; within the last six months. A perfectly good comparable just outside that window? Not permitted.

Once you understand the cage the valuer is working inside, a lot of down valuations suddenly make a lot more sense.

6. Working With Valuers — The Valuation Pack Presentation matters. Richard Nichols, who values HMOs professionally, says you can tell within the first hallway. Martin Smedley (episode 126) walks through the ideal valuation pack in detail — around 20 pages, bullet points, no essays, comparables with clickable links, floor plans, maintenance schedule. You're not just providing evidence. You're demonstrating competence, and valuers respond to that.

Gary and Kirsty from Ormad Properties add rental evidence to their packs — viewings booked, Rightmove listings, tenancy agreements in progress — even before a tenancy is signed.

(And yes, a cup of Yorkshire tea on the day of the visit doesn't hurt either.)

7. The Red Flag: Hybrid Valuations Beware this one. Some so-called commercial valuations are not really commercial valuations at all. The lender takes your gross rent, knocks off a chunk for voids and maintenance, and lands at a number barely different from a standard bricks and mortar valuation — dressed up in commercial language, often costing upwards of £1,000.

Whenever you hear "hybrid valuation" in a sales conversation, ask specifically which method is actually being used. The answer is rarely as exciting as the name suggests.

8. Valuation Strategy: Reverse Engineer From the Outcome You Need Choose your lender and exit route before you buy — because the lender sets the rules the valuer has to play by, long before anyone walks through the door.

And here's my top tip: commission your own independent valuation before the lender sends theirs. Your independent surveyor isn't working for a lender. They know the local area. They're more likely to give you a fair market value. And when the bank's valuer turns up, you're stood at the front door with a copy of that report. Surveyors don't like contradicting each other. That's the whole game.

UK property, UK property valuations, UK property podcast, UK property investment, UK buy-to-let valuations, UK property surveyor, UK property market, UK mortgage process, UK commercial valuation, Expat UK property, UK bricks and mortar valuation, Down valuation UK property, UK HMO valuation, Royal Institute of Chartered Surveyors UK, How do valuations work for UK property?, Why was my UK property down valued?, Preparing a valuation pack for UK property, What is a hybrid valuation in UK property?, Working with UK property valuers as an expat, Avoiding disappointment with UK property valuations, What to include in a UK HMO valuation pack?, Common red flags in UK property valuations, Strategies for UK expats investing in property, Differences between commercial and residential valuations UK, Impact of valuations on UK property refinancing, How to appeal a down valuation in the UK property market, Choosing the right lender for UK property investment, Tips for remote investors in UK property, Guide to independent property valuations in the UK

Check out our new YouTube Channel @ExpatPropertyStory

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306

Episode 306 — UK Mortgage Rates 2026: Why Swap Rates Say One Thing, Lenders Do Another (Mortgage Monday with Shaz Ahmed)

UK mortgage rates are sending mixed signals in 2026 — and if you're investing in UK property from overseas, the contradiction is worth understanding before you fix your next rate.

This month's Mortgage Monday brings Shaz Ahmed of Elan Property Finance back to explain a puzzle:

SWAP Rates, the real engine behind mortgage pricing, are quietly climbing.

Yet some lenders are cutting rates and fees at the same time.

Shaz unpacks why that's happening, and what it tells you about where UK mortgage rates head next.

We get into swap rates versus the Bank of England base rate, and why the base rate held at 3.75% isn't the number that actually sets your mortgage.

Shaz explains why lenders sitting on a glut of money they need to lend are trimming rates and dropping those eye-watering product fees, even as their own funding costs edge up.

We also look at a UK property market where transactions are slowing — purchase activity down 7.6% year on year, and homes taking around 68 days just to get an offer in stronger urban areas, longer elsewhere.

And Shaz makes a pointed case against the "wait and see" mentality that's leaving buyers with expired offers and collapsed chains, while affordability and unrealistic seller pricing keep gumming up deals.

For overseas investors specifically, we look at expat buy-to-let mortgages, including a lender cutting expat rates, and how Sharia-compliant (Halal) mortgages are structured for foreign investors.

What you'll learn:

Why UK swap rates, not the Bank of England base rate, are the real driver of your mortgage rate.

How lenders can cut mortgage rates and fees even while swap rates are rising.

What falling product fees mean for UK property investors weighing a new deal.

Why UK property transactions are slowing, and how long homes are really taking to sell in 2026.

The hidden cost of the "wait and see" approach, and why hesitation is losing buyers their deals.

What expat buy-to-let mortgage options and Sharia-compliant finance mean for overseas investors.

Guest: Shaz Ahmed, founder of Eland Property Finance and host slot "Mortgage Monday" — a UK mortgage and property finance specialist known on Instagram as @whereshaz.

If you're a remote investor trying to make sense of UK mortgage rates in 2026, this monthly finance update gives you the real mechanics behind the headlines — so you can decide your next move rather than sit on your hands.

Keywords

UK property, UK property finance, UK property market, UK mortgage rates, UK property investment, UK expat property, UK mortgage update, property transactions UK, UK house sales statistics, UK residential mortgages, UK buy to let, expat buy to let mortgages, UK swap rates, UK base rate, UK property affordability, UK property market predictions, UK lender incentives, Sharia compliant mortgages UK, Gatehouse Bank mortgages, Tipton and Coseley expat mortgage, property finance news UK, mortgage fees UK, mortgage incentives UK, property market trends UK, How do swap rates affect UK mortgage rates?, UK expat buy to let mortgage options, Mortgage incentives for expats in the UK, Gatehouse Bank Sharia compliant mortgages for UK property, Middle Eastern investors buying UK property, Average time to sell a house in the UK 2024, UK property affordability issues for first-time buyers, AI in UK property finance and mortgage brokering, Impact of political changes on UK property finance, Expat residential mortgage vs buy to let mortgage UK, Bridging loan incentives for UK rental investors, Lender fee comparison for UK buy to let mortgages, Transaction times for rural vs urban UK property, Effect of Bank of England base rate holds on property, Discount cards for bridging loans UK

Check out our new YouTube Channel @ExpatPropertyStory

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305

Is now a good time to buy UK property, or should you wait?

It's the question every overseas investor is asking in 2026 — and this week I put it to James Sproule, a former senior economic advisor at 10 Downing Street who now leads economic forecasting for a UK bank.

This explores the UK property market outlook, and whether the timing is right to buy.

James argues the market runs on two numbers most investors overlook — affordability and yield.

He explains why the gap between property yields and the 10-year gilt yield is the single best signal of whether UK house prices are about to fall, hold, or rise — and why the recent correction in capital values was simple maths, not a landlord exodus.

We get into whether the UK property crash has already quietly happened, masked by inflation, and why he believes a depressed market can be the savvy overseas investor's best friend.

And we look at where interest rates and inflation are likely to head over the coming year, and what that means for anyone weighing up a UK purchase from abroad.

What you'll learn:

Why affordability and yields are the two numbers that actually drive the UK property market.

How the gilt-yield-to-property-yield premium tells you when UK house prices are fairly valued.

Why James believes the UK property crash has already happened — hidden by inflation.

The Warren Buffett principle applied to UK property, and why current conditions may favour buyers.

Where UK interest rates and inflation are likely to go, and how that feeds into house prices.

Why the UK's long-term housing shortage keeps a floor under prices for overseas landlords.

Guest: James Sproule, economist, former Senior Economic Advisor to the UK Prime Minister, now head of economic forecasting at a UK bank.

If you've been wondering whether UK property still stacks up for expat and overseas investors in 2026, this episode gives you the framework to decide — and in Part 2, James turns to the question of exactly where to invest.

Keywords
UK property, UK property market, UK property investment, UK housing market, UK property prices, UK property yield, UK property affordability, UK real estate, UK buy-to-let, UK property forecast, UK property trends, UK property crash, UK house prices, property investment UK, investing in UK property, UK rental yield, UK residential property, UK property outlook, UK property values, Is now a good time to buy UK property, UK property market predictions 2024, How to invest in UK property from overseas, Best UK cities for property investment, UK property market analysis podcast, How inflation affects UK property prices, Tracking UK house price data, Comparing UK property yield and gilts, UK property crash explained, How to analyse UK property market, Impact of stamp duty on UK property, Factors affecting UK property prices, Should expats invest in UK property, Where to buy property in the UK in 2024, What drives UK house prices, UK property tax for overseas investors, What is the yield gap in UK property, How affordable is UK housing in 2024, Building a UK property portfolio as an expat, UK property vs government bonds

Check out our new YouTube Channel @ExpatPropertyStory

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304

UK property auctions are seeing a wave of caution following Keir Starmer's resignation

Not to mention uncertainty around Andy Burnham's stance on landlords and stamp duty.

But according to auction specialist Jay Howard from Hammered Auctions that nervousness is creating one of the best buying windows in years for an unloved asset class: flats.

In this month's auction update, the Expat Property Guy and Jay break down why one and two-bedroom flats are sitting unsold at auction despite having no real defects.

They also cover why most of the ESW1 cladding issues that scared buyers off for years are now resolved.

And why political noise around leasehold reform is masking a genuine opportunity for UK property investors — including expats buying remotely.

What you'll learn:

Why political uncertainty (Starmer's resignation, Andy Burnham's potential mayoral influence) hit auction activity within 48 hours, while the open market typically lags 6-8 weeks behind.

How professional auction traders read short-term weakness as a buying signal, and the 8-12 week capital cycle they typically work to.

Why leaseholders are largely unaffected by current Leasehold Reform Act changes, even though freeholders are.

The specific signs Jay looks for when judging whether a flat is a genuine bargain or genuinely risky (decent lease terms, resolved ESW1 certification, minimal refurb need).

Why long-term buy-and-hold landlords are far less exposed to this volatility than short-term traders or sellers forced into a sale.

If you're an expat investor wondering whether now is the time to pick up an undervalued UK flat at auction, this episode lays out exactly what to check before you bid.

We discuss:

UK Property Auctions React to Keir Starmer Stepping Down
Immediate Impact of Political Uncertainty on UK Auctions
Savills and Auction House London Face Tough Auction Days
Speed of Market Reaction in UK Property Auctions
Estate Agency Market Delays Compared to Auctions
UK Property Investors Show Caution Amidst Political Changes
Andy Burnham’s Property Stance Worries UK Landlords
Unelected Leaders and Lack of Manifesto Increase UK Property Uncertainty
Investor Behaviours Shift in Uncertain UK Property Markets
Long-Term UK Property Investors Less Price Sensitive
Yield Still Attractive Compared to UK Bank Rates
Risk Profile Important for UK Property Investing
UK Property Traders Buy During Market Weakness
Trading Cycles: 8-12 Weeks in UK Property Auctions
End User Flats in UK Seen as Undervalued
Leasehold Reform and UK Flats Market Challenges
Opportunities in London Flats: Prices Drop Significantly
HMOs in UK Hit by Rising Energy Costs
Capital Appreciation Potential for UK Flats Buyers
Advice: Watch UK Property Auctions for Hidden Opportunities

Keywords

UK property, UK property market, UK property auctions

Buying property UK, UK property investment, UK property trends, UK auction market, UK property trading, UK leasehold reforms, Property prices UK, Property investors UK, London property auctions, Auction buying tips UK, Impact of government on UK property, UK landlords, Property market uncertainty UK, Property sellers UK, Flats for sale UK auction, HMO investment UK, UK property yields, How political uncertainty impacts UK property auctions, Why are flats not selling in London auctions, Should I buy property at auction in the UK, Opportunities for property investors in UK auctions, Leasehold reform impact on UK flat prices, What to expect at UK property auctions July 2024, Tips for long-term property investment in the UK, Capital appreciation in London flats 2024, Risks and rewards for UK property traders, HMOs versus flats for UK property investors, Best strategies for selling property in UK auctions, How to join an auction buyers club in the UK, UK auction trading academy reviews, Effect of Andy Burnham on landlord policy UK, Double bank yield with UK property investment

Check out our new YouTube Channel @ExpatPropertyStory

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303

Do you struggle with the idea of investing in UK property from overseas because of being hundreds or thousands of miles away?

Well in this episode, you can draw inspiration from someone who’s not quite in the same boat as you, but he’s more than likely in a boat right now.

Stefhan Malherbe is a South African yacht captain with over 20 years at sea and a passion for UK property.

He started investing in South Africa, then bought duplexes in Florida and buy‑to‑let houses in the UK.

In this episode, Stefhan reveals why he prefers to invest in sub 100K UK Buy-to-Let property.

We discuss:

Investing in UK Property from Overseas: Common Concerns
Stefan Malherbe Shares His Expat Property Journey
From South Africa to South London: Early Career Moves
Buying and Selling South African Real Estate: Key Lessons
Impact of Currency Fluctuations on Property Investments
Challenges of Investing in Weak Currencies vs UK Property
Learning Property Strategies From US Real Estate Seminars
Small Multifamily Property Investing Explained
Buying a Mobile Home Park: High Return Property Strategy
Management Challenges With Mobile Home Parks vs UK Properties
Transitioning to UK Property Investment: Timeline and Milestones
Buying Residential Property in Guildford, UK
UK Property Refurbishment: Adding Value and Equity
Using Cash-Out Refinance to Fund Buy-to-Let Properties
Outsourcing UK Property Sourcing for Efficient Scale
Comparing North vs South: UK Property Yields and Price
Problems Faced: Tenant Eviction in UK Property
Importance of Rent Guarantee Insurance for UK Landlords
Conveyancing Challenges for Overseas UK Property Buyers
Building a UK Property Portfolio Remotely and Effectively

Keywords

UK property, UK property investment, UK property market

Buy to let UK, UK property investor, UK property portfolio, UK property yields, UK rental property, UK property appreciation, UK house prices, Buying property in the UK, Expat property UK, UK property sourcer, UK property management, UK mortgage for expats, Guildford property market, Investing in Guildford property, Manchester property investment, Best areas to invest in UK property, Investing in UK property as an expat, How to build a UK property portfolio from overseas, Remote investing in UK property, Buy to let yields under £100,000 UK, Managing UK property from abroad, UK property cash out refinance process, Rental demand in Northern UK cities, Best property sourcers for UK expats, Challenges of UK conveyancing for expats, Mortgage options for foreign currency earners in the UK, Renting out your UK home while living overseas, The impact of currency fluctuations on UK property investment, Buy to let property management tips for expats, Pros and cons of UK buy to let for South African investors, Overcoming eviction issues in UK rental property, Comparing UK and US property investment experiences

Check out our new YouTube Channel @ExpatPropertyStory

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302

If you're looking to buy UK property from overseas, you might want to consider Burnley.

Once a month I’m joined by Darren McNeill from our sponsors FMP to look back at a deal he sourced for a client 5 years ago.

This month, we discuss a buy-to-let in Burnley, Lancashire BB11 2LN.

Darren explains how Burnley has benefited from the Manchester 'ripple effect' and how the outskirts of Burnley are undergoing the same process.

We revisit the journey of a three-bedroom mid-terrace house purchased for just £60,000.

We explore its impressive capital growth and rental yields, and dive into the changing landscape of Burnley as an investment hotspot.

Finnigan McNeill Property specialise in high-yielding turnkey properties in the Northwest for under 125K.

We discuss:

UK Property deal review: Healywood Road, Burnley
Buy to let property bought for £60,000 in 2021
UK Property rents projected at £500 per month
Current property value estimated at £90,000
Five-year capital growth in UK Property highlighted
Current rental income now £750 a month
Rent increases in UK Property since COVID
UK Property average tenancy length under three years
More tenant changes in some UK rental properties
Burnley UK Property market overview and potential
Burnley’s capital growth in UK Property market
Government Levelling Up funding boosts Burnley Property
University and transport upgrades in Burnley, UK
Burnley town centre regeneration for UK Property
Effective landlord licensing in Burnley rental market
Burnley council’s proactive role in UK rentals
Burnley UK Property prices rising post-COVID
Average price for 2-bed buy to let in Burnley
Comparing two bed vs three bed UK Property
Best UK Property investment strategy: numbers-driven approach

Keywords

UK property, UK buy to let, UK property investment, Buy to let UK, Property investment UK, Burnley property market, Northwest England property, Greater Manchester property investment, Buy to let Burnley, UK property capital growth, UK rental yields, UK landlord licensing, Turnkey property UK, Expat buy to let UK, FMP property sourcing, UK property regeneration, Buy to let properties under £125,000 in UK, Best areas to invest in property in Burnley, How much does a two bedroom terrace house cost in Burnley, Burnley investment property case study, Average rental yields in Burnley UK, Hands free turnkey property investment UK, Regeneration effects on property values in Northwest England, Impact of landlord licensing in Burnley, Rental demand for two and three bed terraced houses in Burnley, UK government Levelling Up Fund property impact, Expat guide to UK property investment, How to analyse UK property rental spreadsheets

Check out our new YouTube Channel @ExpatPropertyStory

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301

When you’re thousands of miles away from your chosen investment patch, and you’re looking for a deal, one of the first things you’re going to have to do is to estimate the cost of bringing the property up to the standard of the value of the most expensive property on the street.

But how can you estimate the refurb cost from a video tour or even the photos alone?

Or how can you verify that the refurb costs you’ve been given by your builder or a sourcing agent are realistic?

They say there’s no substitute for viewing the property yourself. But perhaps there is?

Tony Walker is a construction and property development consultant with a background spanning building merchants, contracting, and project delivery.

Together with web developer Richard Devonport, he has co-founded Refurb Calculator

This is an episode you won't want to miss!

We discuss:

Estimating UK property refurb costs remotely
Tools for UK property investors abroad
Refurb calculator for UK property projects
Importance of accurate UK property measurements
Using floor plans for UK property analysis
Verifying builder estimates on UK property refurbs
Room by room UK property costing
Risks of video tours in UK property investments
Hidden costs in UK property refurbishments
Free versus paid UK property calculators
Selecting crucial measurements for UK property estimates
Importance of mechanical and electrical systems in UK property
Spotting strategic item placement in UK property video tours
Dealing with UK property listings lacking photos
Dangers of price per square meter in UK property
How to use area data for UK property estimates
Impact of regional costing differences in UK property
AI in UK property refurb estimating
Speed as an advantage in UK property deals
Future developments in UK property estimating tools

Keywords

UK property, UK property investment, UK property market, UK property development, UK property refurb], UK property refurbishment costs, UK property sourcing, UK property investors, UK buy to let, UK expat property, UK remote property investment, Property refurbishment UK, UK real estate investment, UK property management, UK property deals, How to estimate UK property refurb costs remotely, Best tools for remote UK property investors, Refurbishment calculator for UK properties, Managing UK refurb projects from abroad, Avoiding hidden costs in UK property refurbishments, Step-by-step UK property refurbishment process, Accurate UK property refurb estimation for expats, Tips for expat UK property investors, Evaluating UK property deals from overseas, UK property investing for foreign nationals, Room-by-room costing for UK refurb projects, Common risks in UK property video tours, Comparing regional UK construction costs, Advice for UK expat landlords, Negotiating builder quotes for UK refurbishments

Check out our new YouTube Channel @ExpatPropertyStory

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300

To celebrate Episode 300 we take you back through some of the features that have fallen by the wayside.

Think of it as a nostalgic trip down memory lane for those of you who’ve been here from the start or a way to pique your interest in the back catalogue if you're a more recent listener.

I'm sure you'll have as much fun listening as I did putting it all together.

Features From The Past

Soap Story: Retrospective look at the host's personal property journey in a serial, “what happens next” format.
Monopoly Challenge: Guests have 30 seconds to name as many Monopoly board squares as possible without repetition.
Guest Jokes: Guests bring a joke related to property to the interview.
Postcode Challenge: Guests answer three multiple-choice questions about their chosen postcode area.
Desert Island Property Disc: Guests select a song related to property they would take to a desert island (no repeats allowed).
My Minimo: Guests choose three ideal (historical, living, or fictional) housemates for a mini HMO (house of multiple occupancy).
Property Adjectives: Guests pick three adjectives they think are key for successful property investing.
Property Disasters: Guests recount their worst property-related mishaps and share the lessons learned.

Keywords

UK property, UK property investing, UK property investment, UK property market, UK property podcast, UK property auctions, UK property strategies, UK property portfolio, Expat property investing, Buying property UK, UK property stories, UK property experts, UK property for expats, UK property tax, Student HMO UK, Serviced accommodation UK, UK landlord tips, Due diligence UK property, UK property books, How to buy UK property from abroad, UK property strategies for expats, UK property auction guide, UK student HMO investing, UK property disasters and lessons learned, Best books for UK property investors, Setting up a UK property limited company, Top UK property podcasts for expats, Building a UK property portfolio as an expat, Choosing a letting agent UK, UK property networking tips, How to build resilience in UK property investing, UK property case studies for expats, Step-by-step UK auction buying process, UK property checklist for expats

Check out our new YouTube Channel @ExpatPropertyStory

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299

Whether you’re thousands of miles away or even just hundreds of miles away, you’re going to need people to help you.

So I’ve trawled through the back catalogue to find the best advice on choosing who to work with.

And how to go about it.

This episode features contributions from:

Helen Godbold-Eade (Episode 7)

Grant Williams (Episode 149)

Charlie Green (Episode 219)

Darren McNeill (Episode 240)

Sally Cope (Episode 114)

Scott Williams (Episode 289)

John Howard (Episode 19)

We discuss:

Building a Trusted Network in UK Property
Importance of Ethical Partners in UK Property Investment
Challenges for Expats Investing in UK Property
Role of Financial Advisors in UK Property Deals
How to Identify Good UK Property Advisors
Understanding Motives of UK Property Partners
Truth vs. Sales Pitch in UK Property Advice
The Necessity of Honest Feedback in UK Property
Tips for Vetting UK Property Professionals
Strategies for Assessing Trust in UK Property Relationships
The "7114 Model" for UK Property Networking
Building UK Property Trust Quickly and Effectively
Rental Return Guarantees in UK Property Management
Benefits of Local Expertise in UK Property Investment
Using Psychometric Tools for UK Property Teams
Outsourcing Tasks in UK Property Businesses
Complementary Skills in UK Property Team Building
Risks of Relying on Recommendations in UK Property
Importance of Experience in UK Property Project Management
Advantages of Bigger Developments for Remote UK Property Investors

UK property, UK property investment, UK property market, UK property portfolio, UK property podcast, Expat property investing, UK buy to let, Investing in UK property from abroad, UK real estate, Building a UK property team, UK property consultants, UK property management, UK property developers, UK property advice, Property investment UK, How to build a UK property portfolio as an expat, Trusted UK property investment advisors, Choosing the right property management team in the UK, UK property sourcing for overseas investors, Challenges of UK property investment for expats, Best strategies for remote UK property investing, Tips for working with UK property consultants, How to find ethical UK property partners, UK property project management for overseas investors, Differences between small and large UK property developments for expats

Check out our new YouTube Channel @ExpatPropertyStory

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298

This is our monthly roundup of news affecting UK Property investors.

This month's news items:

UK House Prices Falling
- UK house prices have dropped for the third consecutive month, with the Halifax House Price Index reporting a 0.1% decline, bringing the average home price to just under £299,000.
House Price Gap Between London and Other UK Cities Narrowing
- The Financial Times reports that the gap between London house prices and other UK cities is the narrowest since 2009
London Flats Underperforming
- Flats in London, especially small ones, are performing poorly, with nearly half now selling for less than their previous purchase price—even for properties bought 20 years ago.
Landlord Demand and Supply Trends
- According to the National Residential Landlords Association (NRLA), 77% of landlords saw strong tenant demand in late 2025. But while tenant demand rises supply is falling due to landlords selling up.
Top 10 Most Livable Cities for Expats

We discuss:

UK Property Prices Fall for Third Straight Month
Halifax House Price Index Reports 0.1% Drop
Average UK Property Price Now Under £299,000
House Price Indices Exclude Cash Buyer Transactions
Savills Revises 2026 UK Property Price Forecast
6% Swing in Savills UK Property Predictions
Impact of Global Events on UK Property Market
Opportunities for UK Property Buyers Amidst Downturn
UK Property Prices Cheapest in 20 Years (Inflation-Adjusted)
Myths About the “Average” UK Property
London vs. UK Cities: Property Price Gap Narrows
Manchester Property Prices Surge 71% in a Decade
London Property Prices Up Only 9% Since 2016
Flats in London Selling Below Purchase Price
Two and Three Bed Flats in London Lose Value
Inner London Flats Drop 6% in Selling Price
UK Landlords Reporting Strong Tenant Demand
Landlords Selling More UK Property Than Buying
Government Data: UK Rental Property Supply Decreases
Top 10 Most Liveable Cities for Expats Announced

Keywords

UK property, UK property news, UK property market, UK house prices, UK property investment, Expat property UK, UK property trends, London property prices, UK property market forecast, UK housing market update, Buy property UK, UK landlords, UK real estate, UK home prices, Property prices London, UK buy-to-let, UK property podcast, News affecting UK property for expats, UK property prices fall 2024, Savills UK house price prediction 2026, Best cities for expat property investment UK, UK flats selling below purchase price, London flat prices 2024, Rising tenant demand in UK rental market, Affordable UK cities for property investment, Effects of inflation on UK property values, Selling UK property as an expat landlord, Expat guide to UK property market, How to invest in UK property from abroad, Liveable cities for expats in UK, UK property market after covid, NRLA landlord market data UK

Check out our new YouTube Channel @ExpatPropertyStory

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297

Imagine a world where almost nothing is leasehold.

Where one missing toilet can change how a whole deal is valued

And where pre-auction bargains are the norm

In this episode, I talk to Scottish investor and auctioneer Luis Guarínof Prime Property Auctions about:

How the Scottish market really works,
Why home reports can be both a blessing and a problem
How traders are making serious money under the tax threshold

If you invest in the UK, you need to understand Scotland.

We discuss:

Scottish Market: Key Differences from UK Property Scene
Leasehold vs. Freehold: Why Scotland Stands Out
Articles of Roup: Unique Scottish Property Auction Contracts
Home Reports: Compulsory for Scottish Property Sales
How To Avoid Home Reports in Scotland
Impact of Home Reports on UK Property Valuations
Trading Property Below Stamp Duty Threshold in Scotland
Fast-Track Selling Process for UK Property Auctions
Timed Online Auctions vs. Live Auctions in UK Property
Pre-Auction Offers: Securing UK Property Bargains Early
Guide Price Strategies for UK Property Auctions
Role of Factors in Scottish Freehold Flats
Navigating Factoring Companies in UK Property Investments
Motivated Sellers: How to Spot Them in Auctions
Landlord Challenges in Scottish UK Property Market
Exit Trends for Small UK Property Landlords
Rise of Large Portfolio Investors in Scottish Property
Sourcing Property Deals and Referral Fees Explained
SNP Policies: Tenant First Refusal in UK Property Sales
Stamp Duty and LBTT: Comparing UK and Scottish Property Taxes

Keywords

UK property, UK property investment, Scotland property market, UK property auction, Expat property investment, Scotland property auctions, Scottish home report, Freehold vs leasehold UK, LBTT Scotland (Land and Buildings Transaction Tax), Stamp duty UK, Buy to let Scotland, Overseas property investors UK, Scottish rental regulations, Property sourcing UK, Property factoring Scotland, How does the home report work in Scottish property, Differences between Scottish and English property auctions, Investing in freehold flats in Scotland, Stamp duty vs LBTT for expat investors, Working with property sourcers in Scotland, Best places for cash property purchases under £40,000 UK, Impact of rent caps on Scottish landlords, Selling tenanted property at auction in Scotland, Tips for buying property at auction as an expat, Advantages of investing north of Newcastle in UK property

Check out our new YouTube Channel @ExpatPropertyStory

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296

In this month’s Mortgage Monday, Shaz Ahmed of Elan Property Finance (better known as @Wheresshaz), returns for his regular lending update.

With interest rates holding steady after the latest Bank of England meeting, Shaz explores what this means for borrowers.

And we disuss the shifting landscape of mortgage rates and fees, and Shaz offers insights on choosing between different lending products.

We also look at the impact of the Renters Rights Act

And we discuss the rise in alternative letting strategies like Serviced Acommodation and social housing

Finally, we highlight the latest news from the specialist lending market following the collapse of specialist bridging lender Market Financial Solutions (MFS)

We discuss:

UK Property Podcast: Expat Property Story Mortgage Monday
Bank of England Interest Rate Decision Impact on UK Property
UK Property Market: Inflation, Recession, and Interest Rates
Mortgage Rate Predictions for UK Property Investors
Swap Rates Trends Affecting UK Property Lending
Two-Year UK Mortgage Rates: Current Market Analysis
Five-Year Fixed Rate Mortgages in UK Property Market
Rising Mortgage Product Fees for UK Property Loans
Should UK Landlords Choose Low Rate or Low Fee Mortgages?
UK Property Refinancing: Two-Year vs Five-Year Deals
Impact of Property Renovation on UK Mortgage Choices
Cash Flow vs Leverage Strategies in UK Property Mortgage
Commercial Mortgages for UK HMOs: Expert Advice
Tracker Mortgages Trending in UK Property Finance
Early Repayment Charges on UK Property Tracker Mortgages
Renters Right Act Implementation in UK Property Market
Airbnb and Alternative Lettings for UK Properties
Social Housing Contracts: UK Property Lending Concerns
Risks of Misclassifying Tenants as Guests in UK Property
MFS Collapse: Effects on UK Specialist Lending Markets

Keywords

UK property, UK property market, UK property investment, UK mortgages, UK property finance, Buy-to-let UK, UK property lending, Mortgage rates UK, UK property investors, UK rental market, UK property podcast, Expat UK property, UK property recession, UK housing market, Remortgage UK, UK property trends, UK fixed rate mortgage, UK tracker mortgage, UK property law, Renters Rights Act UK, How does the Bank of England base rate affect UK property?, Mortgage options for UK property investors, Is it better to choose a five-year fixed mortgage in the UK?, Impact of UK politics on mortgage rates, Buy, refurbish, refinance strategy in UK property, Social housing investment UK advantages and risks, Airbnb and alternative letting strategies for UK landlords, What fees are involved in UK property mortgages?, Best tracker mortgages for UK rental properties, Expat investors navigating UK property finance, Challenges with specialist and bridging lenders in UK property, Importance of lender quality for UK property finance, Impact of the Renters Rights Act on UK landlords, How to ensure compliance as a UK landlord, Risks of changing letting strategies for UK mortgages

Check out our new YouTube Channel @ExpatPropertyStory

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295

Do you get frustrated, spending hour upon hour trawling through property portals ooking for a deal, only to find there’s lots of other investors chasing the same lead?

Wouldn’t it be nice if you could find deals that have little or no competition?

In this episode, we’re plugging another gap in the archives as we tackle long-term empty homes.

Simon Taylor is founder ofEmpty Property Hunters, a business that finds long‑term empty homes across the UK, tracks down the owners, and helps bring those properties back into use through quick, off‑market sales.

Download and listen to see how you can do it too.

How to Find Off-Market UK Property Deals
Challenges of UK Property Portals for Investors
Understanding Long-Term Empty Homes in the UK
UK Property Expert Simon Taylor’s Background
Business Model for Sourcing UK Empty Properties
Incentivising Lead Submission in UK Property Market
Methods to Track UK Property Owners
Using Genealogy for UK Property Owner Tracing
Common Reasons Homes Become Empty in the UK
Probate and UK Property Investment Challenges
Techniques for Detecting Vacant UK Properties
Role of Delivery Drivers in UK Property Sourcing
Conversion Rates for UK Property Leads
Joint Ventures in UK Property Investment
Exit Strategies for UK Property Investments
Pricing Model for UK Property Acquisition
Fast Exchange Process in UK Property Deals
DIY Tips for UK Property Investors Overseas
Compliance and Data Protection in UK Property Deals
Importance of Follow-Up for UK Property Investment

Keywords

UK property, UK property investment, UK property market, UK real estate, UK property deals, UK property sourcing, Buying property in the UK, UK property investors, UK vacant homes, UK empty homes, UK property strategies, UK direct to vendor, Remote property investment UK, UK property refurbishment, How to find off-market property deals in the UK, Investing in long term empty homes UK, Bringing empty homes back to market UK, Step-by-step guide to sourcing UK property remotely, Tips for overseas investors in UK property, UK property finder services for expats, How to contact owners of empty homes in the UK, UK property joint ventures for remote investors, Tools for identifying empty properties in the UK, How to do due diligence on UK property deals remotely

Check out our new YouTube Channel @ExpatPropertyStory

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294

This episode is our monthly review of what's going on in the world of UK Property auctions, featuring Jay Howard from Hammered AuctionsThe three main topics tackled are:

EIG's latest figures which reveal that auction activity rose 9.5% year-on-year but the percentage of lots sold in April 2025 has decreased slightly compared to the April 2025.
Seasonal trends and how they're changing
Auctions in the North-West

Our WhatsApp groupProperty Enginediscounts (Code: EXPAT)Starter: 30 day trial
Pro: 30 day trial/3 mths 1/2 price, Ultimate: 1/2 price 3 months
GoalsettingLeave a review37 Question Due Diligence Checklist / Auction Guide
Our Sponsors: Finnigan McNeill Property Group

We also discuss:

UK Property Auctions Activity Up 9.5% Year on Year
Residential Lots Sold in UK Property Auctions Rise 8.1%
UK Auction Sales Hit £5.9 Billion in 2025
Decrease in UK Property Lots Sold Percentage in April
Regional UK Property Auction Trends for 2026
COVID Impact on UK Property Auction Growth
Accessibility of UK Property Auctions Post-Pandemic
More UK Properties Offered at Auction in 2026
UK Auction Market Volume Outpaces Last Year
Challenges Facing UK Auction Properties with Tenanted Flats
UK Commercial Property at Auction Facing Hesitancy
May vs April: Best Months for UK Property Auctions
Seasonal Trends in UK Property Auction Market
Holiday Periods Impact UK Auction Buying Behaviour
Technology and Automation Shaping UK Property Auctions
UK Property Market Shifting Towards Data-Driven Sales
Comparing UK Auction and Private Treaty Property Markets
Northwest UK Property Auction Listings Surge in April
Key Auctioneers in Northwest UK Property Market
Liverpool Treated as Distinct UK Property Auction Market

Keywords

UK property, UK property auctions, UK residential property market, UK commercial property, UK auction market trends, UK property investment, Property auctions in the UK, UK real estate market report, Buying property at auction UK, UK auction activity statistics, UK auction house companies, Property investment UK, UK auctioneers, UK housing market 2026, How to buy property at auction in the UK, Best months to buy property at UK auctions, UK auction market growth since COVID, Selling property at UK auction, Differences between UK property auction houses, Regional auction trends UK (e.g., Northwest, London, Northern Ireland), Increasing number of lots in UK property auctions 2026, Percentage of properties sold at auction UK statistics, UK rental investment opportunities in auction properties, Accessibility of online UK property auctions, Effects of seasonal trends on UK property auctions, Challenges of investing in tenanted properties at auction UK, Property trading strategies UK auctions, Most active property auction regions in the UK, Top auctioneers in Northwest UK property market

Check out our new YouTube Channel @ExpatPropertyStory

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293

In today’s show, I have an imaginary 3 bed semi I’m looking to sell at auction for profit.

Helping me to maximise my gain is Olivia Boulting, also known as The Queen of the Gavel, Regional Manager and Auctioneer for Auction House South West.

This episode is jam packed with fantastic advice on how to get the best results at auction as a seller.

As a result, there's plenty to learn for buyers too!

Olivia is also host of a new podcast with ex guest Jade from Docuwise called TheAuction Edit.

Our WhatsApp groupProperty Enginediscounts (Code: EXPAT)Starter: 30 day trial
Pro: 30 day trial/3 mths 1/2 price, Ultimate: 1/2 price 3 months

GoalsettingLeave a review37 Question Due Diligence Checklist / Auction Guide

We discuss:

UK Property Auction vs Traditional Sale: Key Differences
Setting Guide Price and Reserve for UK Property Auctions
Attracting Multiple Bidders for UK Property Success
Banded Guide Price Strategy in UK Property Auctions
Preparing UK Property for Sale: Photos and Marketing
Video Tours and Drone Footage for UK Property Listings
Legal Pack Essentials for UK Property Auctions
Search Pack Timelines in Selling UK Property
Environmental Searches: Radon Issues in Southwest UK
Maximising UK Property Price: Auction House Tips
Managing Completion Timescales for UK Property Auctions
Fee Structures: Seller vs Buyer Costs in UK Property
Anti-Embarrassment Clauses in UK Property Sales
Drip Feeding Legal Pack to Attract UK Property Buyers
Post-Auction Sales Strategies for UK Property
Selling UK Property Prior to Auction: When and Why
The Impact of Auctioneer Skills on UK Property Price
Choosing the Best Auction House to Sell UK Property
Regional Differences in UK Property Auction Practices
Live Stream vs Timed Auctions for UK Property Sales

Keywords

UK property, UK property auction, Sell property UK, UK property market, Selling property at auction UK, UK estate agents, Auction house UK, Property auction process UK, Guide price UK auction, Reserve price UK auction, UK property marketing, Legal pack property auction UK, UK property completion timescales, How to sell a house at auction in the UK, Maximising price at UK property auction, Best auction houses for property in the UK, Preparing a legal pack for UK property auction, Difference between guide price and reserve price UK auction, Marketing strategies for property auction UK, Post-auction property sales UK, Selling probate property at auction UK, Attracting remote buyers to UK property auctions, Common mistakes in UK auction legal packs, Impact of reserve price on UK auction success, Typical fees for selling property at auction UK, Fastest way to sell property in the UK, Banded guide price UK auction, Selling a three bed semi at auction in Plymouth

Check out our new YouTube Channel @ExpatPropertyStory

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292

Once a month I’m joined by Darren McNeill from our sponsors FMP to look back at a deal he sourced for a client 5 years ago.

This month, we discuss a deal in Bacup, Lancashire OL13 8BS

Finnigan McNeill Property specialise in high-yielding turnkey properties in the Northwest for under 125K.

Our WhatsApp groupProperty Enginediscounts (Code: EXPAT)Starter: 30 day trial
Pro: 30 day trial/3 mths 1/2 price, Ultimate: 1/2 price 3 months

GoalsettingLeave a review37 Question Due Diligence Checklist / Auction Guide

We discuss:

FMP’s focus on UK buy-to-let properties
Back-to-back terraced houses explained in UK property context
Property deal review: Holmes Lane, Bacup, UK
Two-bedroom terraces in the UK property market
UK property purchase price: £65,000 in 2021
Rental forecast vs. actual rents UK property
Attic bedrooms in UK back-to-back homes
UK property on three floors: Investment benefits
UK rental market: £525 achieved over £475 forecast
FMP information sheets for UK property investors
Five and ten-year UK property forecasting
Key UK property market statistics and EPC data
Bacup UK property price growth since 2017
UK capital growth: 37% in Bacup since 2020
UK rental yields: North West outperforming national average
UK property yields: FMP targets 9–10% minimum
Capital growth surprise in Northern UK property
UK cash flow vs. capital growth investment strategy
Burnley: Top UK property investment location
Burnley’s regeneration and impact on UK property values

Keywords

UK property, UK property investment, UK property market, Buy to let UK, Northwest property investment, Greater Manchester property, Burnley property investment, Bacup property market, UK rental yields, UK capital growth, Buy to let under 125,000, UK property cash flow, Rental Barometer Fleet Mortgages, UK landlord advice, Back to back terrace property UK, Burnley buy to let opportunities, Northwest England investment properties, UK two bedroom rental yields, Holmes Lane Bacup property, UK property investment for expats, Best areas to invest in Northwest UK, University of Central Lancashire property investment, UK property projections and forecasting, UK property remortgage rates, UK property information sheets for landlords

Check out our new YouTube Channel @ExpatPropertyStory

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We've released 278 episodes since our last trailer.

So it's time for a refresh.

We're also starting a YouTube channel to show short video clips from our more recent episodes.

Details to follow later.

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291

Lucian Cook is Head of Residential Research at Savills.

In this episode, Lucian demystifies UK property data, market cycles, and regional growth trends.

Listen in full to learn where to collect data andhow to interpret it.

You will also gain expert insights on how to understand regional market cycles and navigate current trends in UK property.

Our WhatsApp groupProperty Enginediscounts (Code: EXPAT)Starter: 30 day trial
Pro: 30 day trial/3 mths 1/2 price, Ultimate: 1/2 price 3 months

GoalsettingLeave a review37 Question Due Diligence Checklist / Auction Guide

We discuss:

AI’s Impact on UK Property Market Research
UK Property Data Interpretation More Important Than Raw Access
Comparing Nationwide, ONS, and Halifax UK House Price Indexes
Strengths and Weaknesses of UK Property Data Sources
Understanding RICS Residential Market Survey for UK Investors
Analysing UK Mortgage Approvals and Market Trends
Tracking UK Private Rented Sector Supply and Demand
Volatility in Monthly UK House Price Data
Regional Differences: London vs. Midlands and Northern UK
Yield Analysis for UK Buy-to-Let Property Investors
Impact of UK Government Policy on Housing Market
Role of First Time Buyers in UK Property Trends
Bank of Mum and Dad’s Influence in UK Housing
Manchester’s Rising Role in the UK Property Market
Importance of Demographic Data in UK Housing Research
UK Housing Cycle Predictions and Black Swan Events
Private Rented Sector Changes Post-Renters Reform Act
Effects of Geopolitical Events on UK Property Market
Barriers to Homeownership and UK Property Affordability
How to Assess Local Demand in UK Property Investment

Keywords

UK property podcast, UK housing market podcast, UK real estate podcast, property investment podcast UK, buy-to-let podcast UK, UK property market insights, UK house prices podcast, expat property podcast UK, UK property news podcast, residential property podcast UK, UK property trends podcast, UK property research podcast, UK property cycle podcast, UK landlord podcast, UK rental market podcast, UK property data podcast, UK housing forecast podcast, first-time buyer podcast UK, best property podcast UK, UK property expert interviews, UK property analysis podcast, Savills property podcast UK, UK property investment advice podcast, UK housing policy podcast, UK private rented sector podcast, UK regional property podcast

Check out our new YouTube Channel @ExpatPropertyStory

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290

This is our monthly roundup of news affecting UK Property investors.

This month's news

Bridging Boom: UK Short-Term Finance Sector Rockets to £10 Billion—What’s Driving the Surge?
30-Year Gilt Yields Hit Century High—Could This Signal Trouble for UK Mortgages and House Prices?
Hong Kong Buyers Dominate UK Property Market—But Some Face Massive Losses in Off-Plan Scandal
Landlords Flee UK Rental Market: New Data Reveals Record Sell-Off Amid Incoming Legislation Changes

Our WhatsApp groupProperty Enginediscounts (Code: EXPAT)Starter: 30 day trial
Pro: 30 day trial/3 mths 1/2 price, Ultimate: 1/2 price 3 months

GoalsettingLeave a review37 Question Due Diligence Checklist / Auction Guide

Our Sponsors: Finnigan McNeill Property Group In this episode:

UK Bridging Finance Hits £10 Billion in 2025
Growth Trends in UK Short-Term Property Finance
Bridging Loans Shift from Last Resort to Mainstream
Increased Regulation in UK Bridging Sector
Higher Borrowing Costs Impact UK Property Transactions
30-Year Gilt Yields Hit Century-High in UK
Gilt Yields and Their Influence on UK Mortgages
Rising Swap Rates Affect UK Fixed Mortgage Prices
High Gilt Yields Pressure UK Property Prices
Public Debt Impacts UK Economy and Housing Market
UK Property Market Faces Political and Economic Uncertainty
Hong Kong Buyers Dominate Overseas UK Property Ownership
Overseas Property Buyers in England and Wales by Numbers
UK Off-Plan Property Risks for Hong Kong Investors
X1 Manchester Waters Failure Hits Global UK Property Investors
Surge in UK Buy-to-Let Properties for Sale
Landlords Respond to Renters Rights Act by Exiting Market
London Leads in UK Former Rentals Entering Market
Regulatory Changes Force UK Landlords to Reassess Investments
Renters Rights Act Alters UK Landlord Tenant Selection Criteria

Keywords

uk property, uk property news, uk property market, uk property investment, uk property podcast, uk buy to let, uk real estate, uk property cycle, uk property trends, uk property prices, uk rental market, uk property investors, uk property finance, uk housing market, uk mortgage rates, uk property regulations, uk property bridging loans, uk property for expats, uk property sales, Long-Tail Keywords, news for uk property investors, uk property bridging finance trends, uk property market for expats, impact of gilt yields on uk property, uk property investor podcast, how interest rates affect uk property prices, uk overseas property buyers statistics, uk property cycle Savills insights, buy to let property sales uk, effect of Renters Rights act on uk landlords, uk property renovation finance, international investors in uk property 2026, uk property for hong kong buyers, uk property cash buyers opportunities, uk property landlord regulations 2026, uk property forecasts for remote investors, uk mortgage rates and housing market, uk government policies on property markets, uk property evictions and homelessness, best uk cities for property investment 2026

Check out our new YouTube Channel @ExpatPropertyStory

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289

Building a UK property portfolio is so easy on paper.

But it feels like everything falls apart once people get involved.

Project managers, builders, brokers, solicitors, managing agents all conspire to turn plans into problems.

People talk about property being a people business as if all you need to do is find people to help you. Easier said than done!

Scott Williams, founder of The Property Developer Show offers practical advice on building and continuously improving your UK property Power Team.

Our WhatsApp groupProperty Enginediscounts (Code: EXPAT)Starter: 30 day trial
Pro: 30 day trial/3 mths 1/2 price, Ultimate: 1/2 price 3 months

GoalsettingLeave a review37 Question Due Diligence Checklist / Auction Guide

Our Sponsors: Finnigan McNeill Property Group We discuss:

Building a Reliable UK Property Power Team
Challenges of Managing People in UK Property Investing
Why Property is a People Business in the UK
The Role of Brokers in UK Property Finance
Direct vs Broker Financing for UK Property Deals
Importance of Relationships with UK Property Lenders
Choosing the Right UK Property Solicitor
Workload Issues with UK Solicitors
Having Backup Solicitors for UK Property Transactions
Specialist Solicitors for Complex UK Property Deals
Developing Relationships for Better UK Solicitor Service
Insurance Brokers’ Value in UK Property Investment
Avoiding Bad Insurance Policies in UK Property
Using Brokers for UK Property Insurance Claims
The Impact of Surveyors in UK Property Transactions
When to Use a Surveyor for UK Property Purchases
Hiring Project Managers for UK Property Developments
Importance of Recommendations in UK Property Networking
UK Letting Agents
Evolving, Refining, and Improving Your UK Property Team

Keywords

UK property, UK property investing, UK property portfolio, UK property podcast, UK property team, UK property power team, UK property market, Remote UK property investing, Building a UK property portfolio, Property investment strategies UK, UK property project manager, UK property brokers, UK property solicitors, UK buy-to-let investing, UK property letting agents, UK property insurance broker, UK property surveyors, UK property developers, UK auction property, UK residential property investment, Project management for UK property, Finding UK property deals, How to build a UK property power team, Best mortgage brokers for UK property investors, How to choose a solicitor for UK property purchases, Common issues with UK property project managers, Best insurance broker for UK landlords, Recommendations for letting agents in UK property, Managing risk with your UK property team, UK property investing for expats, Practical tips for buying UK property at auction, Essential members of a UK property investment team, Challenges of remote UK property investment, Legal responsibilities for UK landlords, Avoiding fines under the UK Renters Rights Act, Networking for UK property investors, Selecting the right professionals for UK property deals

Check out our new YouTube Channel @ExpatPropertyStory

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288

This is our monthly look at what's happening in the world of UK property lending and our first featuring Shaz Ahmed of Elan Property Finance.

Shaz comments on the following news items:

The Bank of England held the base interest rate at 3.75%.
The collapse of Market Financial Solutions (MFS) in February amid allegations of fraud
The impact of the Renrters' Rights Act on lending
Rumours of lenders ditching 'Expat Loading' where lenders charge extra for expat mortgages

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Our Sponsors: Finnigan McNeill Property Group

We discuss:

UK Property Lending Market Update as of May 2026
Bank of England Holds Base Rate at 3.75%
Impact of Inflation on UK Property Loans
Fixed-Rate Mortgages vs. Tracker Loans Explained
Swap Rates and Their Effect on UK Mortgages
Lending Fraud Scandal Hits UK Property Finance
MFS Double Pledging Allegations in Lending Market
Increased Regulation in UK Property Lending Predicted
Lender Bankruptcies Affecting UK Property Sector
FCA Crackdown on UK Unregulated Lending Practices
Cost Impact of Stricter Lending Audits on Investors
Renters Rights Act Implications for UK Property Investors
Shifting Landlord Strategies in UK Property Market
Lenders’ New Attitudes Toward Alternative Property Strategies
Lending Options Growing for Airbnb and Holiday Lets
Specialist Lenders Ditching Expat Mortgage Rate Loading
UK Expat Property Investors Getting Better Loan Deals
Asset-Based Lending in UK Buy-to-Let Mortgages
Ongoing Risk Premiums for Expat UK Property Loans
Meet Shaz Ahmed: UK Property Mortgage Specialist

Keywords

UK property, UK property investing, UK property market, UK property finance, UK mortgage rates, Expat property investment UK, UK property lending, UK buy to let mortgages, UK base rate property impact, UK property strategies, UK landlord lending, Renters Reform UK, UK property news update, Mortgage Mondays, UK property events, Expat mortgages, How Bank of England base rate affects UK property investors, Latest UK property lending updates for expats, Impact of UK Renters Reform on landlord strategies, Private credit risk in UK property market, Differences between fixed and tracker mortgages in the UK, Specialist lenders for expat property investors in the UK, Effects of swap rates on UK fixed rate expat mortgages, How to fund property deals as an expat in the UK, Administration of bridging lenders in the UK, Expat mortgage products without expat loading in the UK, How to notify tenants about Renters Rights Act UK, Shifting strategies for landlords after Renters Reform, Social housing leases and lender attitudes in the UK, Risks and costs of increased lending regulation for UK property

Check out our new YouTube Channel @ExpatPropertyStory

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285

Whether you’re buying, selling, or refinancing, knowing your way around title registers can save, or make you thousands.

Gerard Davis is a UK property lawyer and Business Development Manager at Talbots Law, specialising in conveyancing, titles, leaseholds, and investor strategies.

Gerard breaks down everything from covenants to title plans, registration delays, indemnity insurance, and tricky title defects.

Learn how to:

· Spot hidden risks

· Uncover unique opportunities that others miss

· Get practical tips for speeding up deals

· Protect your investments

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Our Sponsors: Finnigan McNeill Property Group

We discuss:

How to Download UK Property Deeds from Land Registry
Understanding Sections A, B, C of Title Register
Common Title Register Pitfalls in UK Property Deals
Creative UK Property Deals Using Title Register Insights
Mortgage Lenders and the UK Property Title Register
UK Property Covenants: Impact on Investment Strategy
Leasehold Extensions: New UK Property Legislation Explained
Boundary Disputes in UK Property Title Plans
Decoding Colour Lines on UK Property Title Plans
Responsible Boundaries in UK Property Fencing
Back-to-Back Deals in UK Property Auctions
Delays Registering UK Property with Land Registry
Expediting UK Property Title Registration & Process
Impact of Lease Extensions on UK Property Valuation
Title Defects: Risks and Opportunities in UK Property
Perfecting Imperfect Titles with Indemnity Insurance
Title Splitting for Value Uplift in UK Property
Navigating Unregistered Land Issues in UK Property
Missing Title Deeds: Solutions for UK Property Investors

Keywords

UK property, UK property titles, UK property investment, UK property legal process, UK property conveyancing, UK Land Registry, UK property title register, UK property defects, UK property auction, UK property mortgages, UK leasehold legislation, UK property remortgage, UK property finance, UK property conveyancer, UK property lawyer, Title indemnity insurance UK, UK property boundary disputes, UK title plan, UK property lease extension, How to interpret a UK property title register, Downloading Land Registry title deeds for UK property, Common title defects in UK property transactions, Creative UK property deals using title register information, Mortgage complications for UK property investors, Speeding up UK property registration with Land Registry, restrictive covenants in UK property titles, Perfecting possessory title for UK property, Opportunities in properties with defective titles UK, Flying freehold issues in UK property, Expediting UK property registration after purchase, Using indemnity insurance for missing UK property documents, Title splitting for UK terraced houses, Adverse possession applications in UK property, Lease extension process under new UK legislation

Check out our new YouTube Channel @ExpatPropertyStory

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286

The third of our monthly reviews of what's going on in the world of UK Property auctions, featuring Jay Howard from Hammered Auctions
Auctions are bouncing back with renewed confidence.

Despite recent fears, properties are still selling for strong prices.

This Mini-Sode explores how legislative changes like the Renters Rights Act are shifting strategies for landlords, from holding tenanted properties to selling vacant.

Now's the time to watch these trends, rethink your approach, and jump in—because smart, entrepreneurial moves today could pay off hugely in the long run.

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Our Sponsors: Finnigan McNeill Property Group

In this episode:

UK Property Market Pulse Through Auctions
Auction Trends Reflected in Recent UK Property Activity
Impact of Low Guide Prices on UK Auctions
Rising Confidence Returning to UK Property Auctions
HMOs Seen as UK Property Investment Indicators
UK Rental Market Changes Affecting Auction Supply
Property Values Fluctuations in the UK Auction Scene
Renters Rights Bill Shaping UK Landlord Strategies
Professionalisation Required for UK Buy-to-Let Investors
Comparing UK Property vs. Alternative Investment Returns
Auctions as Exit Strategy in the UK Property Market
Investor Conversion Rates in UK Auction Buying
Types of UK Property Buyers at Auction
Post-Renters Rights Act Outlook for Tenanted Properties
Legal Compliance Challenges for UK Tenanted Auctions
Time-to-Sell Pressures on UK Landlords
Regional Insights: North vs. South UK Property Markets
Lending Complexities for Low-Value UK Buy-to-Lets
Predicted Glut of Vacant UK Residential Auctions
UK Auction Volumes Expected to Hit Record Highs

Keywords
UK property, UK property market, UK property auctions, Expat UK property, Property investment UK, Buying property at auction UK, Selling property at auction UK, UK rental property, Renters Rights Act UK, Auction House London, Savills auction UK, UK HMO property, UK property yield, UK property investors, UK property trends, UK auction strategy, Vacant possession UK property, How to buy property at auction in the UK, Impact of Renters Rights Act on UK landlords, Best property auctions in London 2024, Is property still a safe investment in the UK, UK property market predictions summer 2024, Managing tenanted property sales after Renters Rights Act, Strategies for selling tenanted property at auction UK, Converting rental property to auction sale UK, Success rate for buying UK auction properties, Challenges for expat investors in UK property auctions, Should landlords sell tenanted properties at auction UK, Residential property auction trends UK 2024, Midlands property auction market performance, North East England auction property returns, Exit strategies for UK landlords in 2024

Check out our new YouTube Channel @ExpatPropertyStory

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283

This episode explores some of the myths around Supported Living and Social Housing.

It will help understand what they are, how the leases work, and whether this strategy might fit your portfolio.

Jackie Fitzgerald is the founder of Homes or Houses in the North East of England.

She sources, refurbishes, and asset-manages residential properties for investors, with a strong focus on supported living.

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Our Sponsors: Finnigan McNeill Property Group

We discuss:

Supported Living vs. Social Housing in the UK
Key Myths About Supported Living Property Investments
How Supported Living Leases Work in UK Property
Importance of Due Diligence in Supported Living
Managing Risks for Supported Living Property Investors
How Lease Clauses Protect UK Property Owners
Supported Living Tenancy Damage Responsibility Explained
Due Diligence on Supported Housing Providers
The Impact of Lease Length on UK Property Investments
Government Funding Myths in Social Housing
Why Exit Strategies Matter in Supported Living
Market Risks With Long-Term Leases in the UK
Provider Financial Strength and Regulatory Status Checks
Political Impacts on UK Social Housing Projects
Supported Living Income Reliability Debunked
Choosing Safer Supported Living Tenant Types
Why Invest in Supported Property in North East UK
Property Value Gaps Across UK Regions
Finding High Yield UK Supported Living Properties
Connecting With Supported Living Experts in the UK

Keywords

UK property, UK property investment, Supported living UK, Social housing UK, Property portfolio UK, UK buy-to-let property, Supported housing investment, Social housing vs supported living, Property sourcing North East England, UK residential property asset management, Lease agreements UK property, Diversifying UK property portfolio, Risks of social housing investment, North East UK property market, Long-term property income UK, Difference between social housing and supported living UK, Investing in supported living in the North East of England, How leases work in UK supported living, Supported living property compliance and due diligence, Best places for property yields in the UK, Exit strategies for UK property investors, Risks of third-party social housing providers UK, Government-backed vs. guaranteed income UK property, Asset management for expat property investors UK, Sustainable lease structures for UK property

Check out our new YouTube Channel @ExpatPropertyStory

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284

Once a month I’m joined by Darren McNeill from our sponsors FMP to look back at a deal he sourced for a client 5 years ago.

This month, we discuss a deal in Clayton-le-Moors, Lancashire BB5 5DT

Finnigan McNeill Property specialise in high-yielding turnkey properties in the Northwest for under 125K.

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We discuss:

FMP's Monthly UK Property Deal Review
Whalley Road Property in Clayton Le Moors
Three Bedroom Mid-Terrace UK Property Analysis
UK Property Deal: Securing Price Below Listing
Forecasted vs. Actual Rental Income in UK Property
UK Valuation Standards for Bedrooms Explained
Size and Layout of UK Terraced Properties
Rent Increases in the UK Property Market
UK Property Tenancy Trends Over Five Years
Current UK Property Valuation Insights
51% Capital Growth for North West UK Properties
UK Area BB5 Capital Growth Comparison
Advantages of Lower Priced UK Property Investments
Strong Buy-to-Let UK Market in BB5
UK Property Rental vs. Home Ownership Trends
Local UK School Ratings and Property Investment
UK Infrastructure and Connectivity: Clayton Le Moors
Impact of New Homes on UK Secondary Market
Effects of Renters Rights Act on UK Landlords
Importance of Rent and Eviction Insurance in UK

Keywords

UK property, UK property investment, Buy to let UK, UK property market, Northwest property investment, Greater Manchester property, Clayton Le Moors property, Three bedroom terrace UK, Property values UK, UK property capital growth, Accrington property, BB5 property market, Rental yields UK, Buy to let under £125,000, UK property infrastructure, Hyndburn Council property, Investment property near Manchester under 125k, Buy to let deals in Clayton Le Moors, UK three bed terrace property review, Rental price trends Clayton Le Moors, Capital growth outperforming BB5, Securing UK buy to let with rent and eviction insurance, Schools in Clayton Le Moors for property investors, Impact of Renters Rights Act on UK property investment, Hands free turnkey property service UK, Newly built homes effect on Clayton Le Moors market, Accrington town centre investment and property values, Moving upwards on the UK property ladder in Northwest, Best areas in Northwest for buy to let investors

Check out our new YouTube Channel @ExpatPropertyStory

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283

Big changes are coming for UK landlords with the Renters Rights Act.

No more 'no fault evictions'

Stricter rules around rent increases,

Serious fines for non-compliance.

If you want to avoid costly mistakes, you need to act now:

Review your tenancies,

Check your insurance,

And always serve the right notices, because even a small slip could wipe out years of profits.

Student HMOs? New rules mean more risk, so get specialist advice and rethink your strategy.

Remember, in every challenge there’s opportunity—if you stay informed and adapt, you can still win in the new property landscape.

Des Taylor from Landlord Defence is back for the second week running to provide a Renters' Rights Act roadmap.

The government's information sheet on the Renters' Rights Act.

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Our Sponsors: Finnigan McNeill Property Group

We discuss:

Renters Rights Act impacts all UK Property landlords
Section 13 Form 4A: New rent increase process
Rent increase tribunal delays up to 12 months possible
Backdated rent increases no longer permitted for UK landlords
Tenant challenges to rent increases explained
Financial penalties for non-compliance in UK Property
Property repossession rules change under new regulations
End of no-fault evictions in UK Property market
Using Section 8 grounds for UK Property repossession
Selling UK Property with tenants: new complications
Ground 1A eviction intricacies for UK landlords
Student HMO joint tenancy risks post-legislation
Pets in UK rental properties: new reasonable refusal rules
Insurance requirements for UK Property landlords updated
Buying UK Property with tenants in situ: pros and cons
Penalties for invalid notices in UK rental sector
Compliance checks critical for UK landlords post-2026
Opportunities amid UK landlord market exits
Importance of seeking specialist advice for UK Property
Strategic advice for UK expat property investors

Keywords

UK property, UK property investment, UK property market, UK landlord, Secondary Keywords, Renters Rights Act UK, Section 13 rent increase, Section 8 eviction UK, Assured shorthold tenancy, Rent increase notice UK, No fault eviction UK, HMO landlord UK, Buy to let UK, UK property compliance, Property fines UK, Tenant notice UK, UK property insurance, Long-Tail Keywords, How to increase rent legally in the UK, Renters Rights Act impact on landlords, Buying property with tenants in situ UK, Risks of student HMO in the UK, Serving notice to tenants in UK property, UK property repossession new rules, Opportunity in UK buy to let 2026, Section 13 Form 4A guidance, Financial penalties for UK landlords, Compliance for UK expat landlords, Eviction rules for UK overseas landlords, Rent guarantee insurance for UK landlords, Changes to letting HMOs after Renters Rights Act, How to handle pets in UK HMOs, Penalties for inval

Check out our new YouTube Channel @ExpatPropertyStory

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282

Is a UK property crash on the horizon?

In this episode, we break down alarming predictions from top financial minds such as:

Warren Buffet

Ray Dallio

Michael Burry (The Big Short)

Steve Eisman (The Big short)

We report on how it's not just the war in Iran that's threatening the housing market, but also Private Credit and the AI Bubble.

Tune in to this Mini-Sode to stay ahead of the curve.

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Our Sponsors: Finnigan McNeill Property Group

We discuss:

UK Property News Update: April 2026 Insights
Private Credit vs Banks: 2026 UK Property Risks
Steve Eisman Warns on Private Credit in UK
Comparison to The Big Short and UK Housing
Stock Market Crash Predictions Impact UK Property
Michael Burry Predicts Major Market Downturn
AI Bubble Concerns: Impact on UK Property Market
Warren Buffett Selling Stocks, Hoarding Cash
Ray Dalio’s Economic Cycle and UK Property
Dalio’s Stage Five: Debt Bubble and UK Housing
Impact of Geopolitical War on UK Property Prices
Rising Inflation Pressures UK Property Market
Bank of England Rate Hikes Affect Mortgages
UK Mortgage Deals Shrinking, Rates Increasing
Fewer UK Mortgage Products Hitting Homebuyers
UK Property Chains Collapse Amid Lending Uncertainty
Overpriced UK Homes Stay Unsold in 2026
Cash Buyers Might Find UK Property Bargains
UK Property as Inflation Hedge: Long-Term Outlook
UK Property Still Best for Growing Wealth

Keywords

UK property, UK housing market, UK property market, UK property news, UK property prices, UK mortgage market, UK property investment, Private credit UK, UK property crash, UK property cycle, UK property inflation, UK mortgage deals, UK real estate, UK property downturn, UK property finance, Long-Tail Keywords, How is private credit affecting the UK property market, UK property market April 2026 outlook, Is the UK property market headed for a crash, Impact of war on UK property prices, What causes a UK housing market downturn, UK mortgage availability 2026, Risks for UK property investors, UK property as an inflation hedge, Buying UK property during economic uncertainty, Expert predictions for UK property market, Should I invest in UK property in 2026, UK property market news and analysis, How to prepare for a UK property market downturn, UK housing market after the war in Iran, What happens if UK mortgage products are withdrawn

Check out our new YouTube Channel @ExpatPropertyStory

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281

Imagine waking up to an email from your managing agent saying, ‘Don’t worry, we’ve handled the Renters' Rights Act for you’…

And then discovering that, legally, they can’t handle the one thing that really matters .

And that mistake alone could cost you up to £7,000 per tenancy.

This is an episode you really can’t afford to miss.

The Renters' Rights Act becomes law on May 1st 2026.

If you're a UK landlord you have from May 1st to May 31st to notify your tenants of the new legislation.

The minimum fine for failing to do so is £7,000, but could rise to £40,000.

And if you think you can ask your managing agent to serve the notice for you...

Think again.

Des Taylor is founder of Landlord Defence, whose speciality is defending Landlords & Letting Agents from Council and Tenant Enforcement.

The government's information sheet on the Renters' Rights Act.

Des walks us through everything you need to do to avoid a penalty.

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Our Sponsors: Finnigan McNeill Property Group

We discuss:

Renters Rights Act: Up to £7,000 Fines for Landlords
UK Property Legislation Update for Expat Landlords
Managing Agents and Legal Responsibilities Explained
Direct Landlord Responsibilities Under Renters Rights Act
Serving Essential Information: Email vs Postal Methods
Correct Timeframe for Serving UK Tenancy Notices
How to Properly Prepare and Serve Legal Documents
Evidence Needed for Serving UK Property Notices
Importance of Certificate of Service for Landlords
Avoiding Mistakes with Recorded Delivery in UK Property Law
Dealing with Tenants in HMOs: Notification Procedures
Using Digital Software for Landlord Compliance
Keeping Email Records for Future UK Property Disputes
Introducing Yourself to Tenants via Managing Agent
Tenancy Agreement Guidance After New Legislation
Outlining Maintenance Logging Procedures for Tenants
Impact of Renters Rights Act on Expats’ Legal Risks
Updating Tenancy Documentation for New UK Property Laws
Importance of Professional Guidance for UK Landlords Abroad
Opportunities for UK Property Investors after New Legislation

Keywords

UK property, Renters Rights Act, UK landlords, UK property podcast, UK expat landlords, UK property legislation, Renters Rights Bill, property management UK, managing agent responsibilities, landlord legal requirements UK, serving notice UK tenancy, essential information landlords, Renters Rights Act 2026, assured periodic tenancy, HMO landlord requirements UK, tenants rights UK, expat property management, Long-Tail Keywords, what UK landlords must do for Renters Rights Act, changes in UK property law for expats, how to serve essential information to tenants UK, landlord risks under the Renters Rights Act, step-by-step serving notice UK landlord, evidence for serving notice UK tenancy, how to avoid £7,000

Check out our new YouTube Channel @ExpatPropertyStory

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280

Once a month I’m joined by Darren McNeill from our sponsors FMP to look back at a deal he sourced for a client 5 years ago.

This month, we discuss a deal in Darwen, Lancashire BB3 1EP.

Finnigan McNeill Property specialise in high-yielding turnkey properties in the Northwest for under 125K.

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We discuss:

High-Yield Turnkey UK Property Deals Highlighted
Investing in North West UK Properties Under £125k
Case Study: Darwen 3-Bed Terraced UK Property
UK Property Renovation Costs Under £1,000 Explained
Renting Out UK Property: Tenant Demand and Rents
UK Property Rent Growth: £525 to £700 in 5 Years
Landlord Strategy: Gradual Rent Increases for UK Tenants
Impact of New Build Homes on UK Property Values
UK Property Market: Secondary vs. New Build Stock
UK Property Loan-to-Value Improvements Through Capital Growth
UK Buy-to-Let: Vacancy and Tenant Turnover Costs
Typical UK Property Tenants in the Darwen Area
Connectivity and Transport Links Boost UK Property Demand
UK Property Investment in Logistics Hub Locations
Growth of New Build Housing in North West UK
Capital Growth Success Stories in UK Property Investing
Remortgage Case Studies: Darwin UK Property Deals
UK Property Rental Yields: Achieving 9-10%
Long-Term Tenant Strategies in UK Rental Market
Staying Updated on UK Property Trends via Podcasts

Keywords

UK Property Podcast SEO Keyword List:

UK property podcast, Expat property investment, High-yield property UK, Investing in Darwen property, North West UK property, Turnkey property UK, UK buy-to-let strategies, UK rental yields, Property capital growth UK, UK property market insights, Remortgaging UK property, Expat landlord advice, UK property sourcing, Rental demand in Darwen, Buy-to-let mortgages UK, UK secondary housing market, New build homes Darwen, UK property renovation tips, Affordable UK property investments, Expat Property Story podcast

Check out our new YouTube Channel @ExpatPropertyStory

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279

This episode is all about sourcing UK property.

It’s got lots of valuable information whether you use sourcers or whether you source property for others.

And if you pass on information about a property and take a referral fee even if it’s on a one-off basis, then this episode should also be for you.

You’re potentially leaving yourself open to investigation by HMRC.

Tina Walshis co-founder with her husband Tony ofNAPSA, the National Association of Property Sourcing Agents who provide support and training for sourcers.

They also have a database of compliant sourcers available for investors to choose from.

Share This Episode

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Our Sponsors: Finnigan McNeill Property Group

We discuss:

How to Source UK Property Ethically and Legally
UK Property Sourcing Agents: Compliance Essentials
Picking Compliant UK Property Sourcers: Key Tips
HMRC Rules for UK Property Deal Sourcing
Avoiding Major Risks in UK Property Investment
Red Flags in UK Property Sourcing Fees
UK Property Sourcing: Professional Indemnity Insurance Explained
Legal Registrations for UK Property Sourcers
UK Property Sourcing: National Crime Agency Role
How Non-compliance Hurts UK Property Investors
UK Property Sourcing: Money Laundering Red Flags
Due Diligence in UK Property Investment Deals
Common UK Property Sourcing Mistakes and Penalties
All-in-One Compliance Packages for UK Property
Why Upfront Fees in UK Property Sourcing Matter
HMRC Surveillance in UK Property WhatsApp Groups
UK Property Sourcing: Essential Risk Assessments
Questions to Test UK Property Sourcer Compliance
Building Trust in UK Property Expat Investments
Where to Find Approved UK Property Sourcers Online

Keywords

UK property podcast, Expat property investment, UK property sourcing, UK property sourcer compliance, Property sourcing agents UK, UK deal packaging, HMRC property compliance, National Association of Property Sourcing Agents (NAPSA), UK estate agency regulations, Property investment podcast UK, UK property finder guide, UK property compliance checklist, Anti-money laundering property UK, Property sourcing due diligence UK, Best UK property sourcers, How to find UK compliant sourcers, UK property sourcing fees, Property redress scheme UK, UK property investment strategies, Buy-to-let UK podcast, How to choose a compliant property sourcer in the UK, What makes a good UK property sourcing agent, Risks of non-compliance in UK property sourcing, Upfront fees in UK property deal sourcing, Red flags when sourcing UK property, Protecting yourself as an expat property investor in the UK, UK property sourcing best practices for expats, HMRC investigations in UK property sourcing, UK property sourcing small print, NAPSA approved property sourcers UK

Check out our new YouTube Channel @ExpatPropertyStory

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278

The second of our monthly reviews of what's going on in the world of UK Property auctions, featuring Jay Howard from Hammered AuctionsThis month's Auction Update presents a fascinating glimpse into how geopolitical factors are affecting energy prices and therefore interest rates which in turn are impacting the property market.

This creates not just risk but also opportunity.

The three headline asset classes discussed this month are:

HMOs (Houses of Multiple Occupancy)
Flats
Commercial Property

Listen to see how it all fits together and how you can benefit.

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GoalsettingLeave a review37 Question Due Diligence Checklist / Auction Guide

Our Sponsors: Finnigan McNeill Property Group

In this episode:

March UK Property Auctions Outperform Previous Year
Geopolitical Events Impact UK Property Market
Energy Prices Influence UK Property Interest Rates
HMOs Face Challenges in UK Property Auctions
Bills Included HMOs Hit by Rising Energy Costs
UK Auction Success Rates: Decoding the True Numbers
Flats Struggle in the UK Property Market
Leasehold and Service Charges Affect UK Flats
Government Legislation Uncertainty Impacts UK Flats
Commercial Mixed Use UK Properties Face Stagnation
Interest Rates Remain Flat in UK Property Sector
Yield vs. Value: UK Commercial Property Explained
Vacant Commercial UK Properties Offer Opportunities
Three Categories of UK Commercial Sellers Identified
Value Erosion in UK Commercial Assets Discussed
Long-term Investors Can Benefit in UK Commercial Market
Pension Funds Look to UK Commercial Income Stability
Exit Opportunities for UK Residential Landlords
Auction Market Captures UK Property Trends Quickly
Monitoring Operational Costs Key for UK HMO Success

Keywords

UK property, UK property auction, UK property market, UK property investment, UK auction properties, Property auctions UK, UK housing market trends, UK property opportunities, UK auction results, HMO property UK, Buy-to-let UK, Mixed use property UK, UK commercial property, UK property yields, Flats UK market, How interest rates affect UK property auctions, Best months for UK property auctions, Investing in UK HMO properties, Risks and opportunities in UK property auctions, UK property auction success rates, Commercial property opportunities in the UK, Challenges of buying UK flats at auction, Impact of energy prices on UK HMO investments, Geopolitical factors affecting UK property market, Yield compression in UK commercial property, Capital values in UK auction property sector, Exiting residential buy-to-let for commercial UK property

Check out our new YouTube Channel @ExpatPropertyStory

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277

Kris Dalziel is a prolific property professional.

In addition to the 100 strong portfolio he’s built for himself, last year alone he sourced 268 properties for investors, all in the North East, and bought 70 for himself.

This episode has everything you need to know about investing in the North East.

Keep listening to the end to see what Kris puts his success down to.

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Our Sponsors: Finnigan McNeill Property Group

We discuss:

How Kris Dalziel Built a 100+ UK Property Portfolio
Starting UK Property Investment at Age 34
The Northeast: Rising Hotspot for UK Property Investors
The Difference Between Good and Bad UK Property Sourcers
Essential Qualities of a Reliable UK Property Sourcer
Why Local UK Property Knowledge Matters Most
Investor-Led Approach to UK Property Sourcing
Selecting High-Yield UK Property in the Northeast
Regeneration and Capital Growth in UK Property Hotspots
Northeast UK Property: Yield vs. Capital Growth Potential
Building Agent Relationships for Better UK Property Deals
On-Market vs Off-Market UK Property Investment Strategies
Auctions: A Secret Weapon for UK Property Investors
Using the “Starbucks Index” for UK Property Growth
Diversifying a UK Property Portfolio for Stability
Managing Leverage and Debt in UK Property Investment
Area Research Techniques for UK Property Success
The Power of Social Media for UK Property Networking
Key Micro-Locations for UK Property Growth in the Northeast
The Role of Willpower in UK Property Investment Success

Keywords

UK property, UK property investing, UK property market, UK property investment, buying property in the UK, investing in UK property, North East property investment, Newcastle property market, property sourcing UK, buy-to-let UK, capital growth property UK, property yields UK, remote property investing, building a property portfolio UK, UK real estate strategies, property investment for expats, how to go from 0 to 100 properties in the UK, best areas to invest in North East UK property, strategies for building a diverse UK property portfolio, capital growth vs yield in UK property investment, what makes a good property sourcer in the UK, Newcastle property investment tips, affordable property investment locations UK, using auctions to buy UK property, local market research for UK property investors, leveraging relationships with UK estate agents, property investment mistakes to avoid UK, UK property for remote/overseas investors, finding off-market deals UK property, UK buy-to-let returns North East, how to finance property investments in the UK

Check out our new YouTube Channel @ExpatPropertyStory

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276

This is the first of our monthly update on all things lending and finance.

This episode discusses:

Bank of England Base Rate and Mortgage Rates:
The Return of 90% Mortgages:
Cut in Specialist Bridging Loan Rates:

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Our Sponsors: Finnigan McNeill Property Group This Month’s Lending Headlines:

Bank of England Holds at 3.75%
The base rate is unchanged, but that doesn’t mean we’re in the clear. The Monetary Policy Committee is “watching and waiting”—with inflation and global events keeping everyone on their toes.
Looking Back: How Did We Get Here?
We dive into why rates plummeted during the COVID lockdowns, how they climbed back up in response to inflation (thanks in part to the energy crunch and events like Russia’s invasion of Ukraine), and why today’s global tensions are still influencing what you pay on your mortgage.
Fixed-Rate Mortgages: Up, Up, and Away
If you’re on a fixed deal, you probably appreciate the security more than ever, as typical 5-year fixed rates have jumped from 4.95% to 5.32% in just three weeks. That’s an extra £651 per year on a £250,000 loan—ouch!
90% Mortgages Make a Comeback
If you have a smaller deposit, there’s good news: 90% mortgages are back, at levels not seen since 2008. But be careful—higher loan-to-value mortgages often mean higher rates, stricter checks, and the risk of negative equity if prices fall.
Specialist Finance: Bridging Loans in the Spotlight
Bridge finance lender SDK has cut its Bridge 75 product to 0.95% for loans over £250k, catering to investors after mixed-use and semi-commercial opportunities. If “shop with flats above” is on your wishlist, now might be the time.

Keywords

UK property podcast, Expat property podcast, UK mortgage update podcast, UK property finance podcast, Mortgage Monday podcast, UK base rate 2025 update, Bank of England interest rates, UK mortgage rates 2025, First-time buyer mortgages UK, High loan-to-value mortgages UK, UK property market news podcast, UK bridging loans explained, Semi-commercial bridging loans UK, UK buy-to-let updates, Monthly UK property market update, Expat property investing UK, Homebuyer tips UK podcast, UK inflation and property market, UK property auction insights, Refurbishment finance UK, Bank of England base rate changes, Five-year fixed rate mortgages UK, 90% mortgage deals UK, Negative equity risks UK, Specialist bridge finance UK, Property Reporter news, Lender rate changes UK, Mixed-use property investment UK

Check out our new YouTube Channel @ExpatPropertyStory

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275

Are you interested in finding on-market UK property deals and selling them at auction for profit?

Paul Ribbons is a UK property trading specialist, known for turning distressed, on‑market deals into profitable auction trades.

Drawing on his decades of experience he runs through how to:

Work out demand
Find deals
Talk to agents
Use problems to create leverage

All so that you can enter the world of auctions with a plan instead of a prayer.

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Our Sponsors: Finnigan McNeill Property Group

We discuss:

How to Find On-Market UK Property Deals
Selling UK Property at Auction for Profit
Understanding UK Property Market Demand
Using Rightmove to Analyse UK Property Listings
Leveraging Essential Information Group for UK Auction Data
UK First-Time Buyers Returning to the Market
Investors versus First-Time Buyers in UK Property
Spotting Red Flags in UK Property Listings
Importance of Agent Conversations in UK Property
Building Rapport With UK Estate Agents
Communication Skills Unlocking UK Property Deals
Targeting the Right People in UK Estate Agencies
Finding UK Property Deals Through Junior Negotiators
Tracking UK Properties With Failed Sales
Setting Reserve Prices for UK Property Auctions
Multiple Exit Strategies in UK Property Trading
Assessing UK Property Value and GDV Calculation
Identifying Technical Issues in UK Properties
UK Property Auctions: Online vs Timed Formats
Flats and Houses Trends in UK Property Auctions

Keywords

UK property podcast, UK property investment podcast, UK property auctions podcast, Expat property podcast, British property trading podcast, UK real estate podcast, Property investing podcast UK, How to find UK property deals, On-market property trading, Selling property at UK auctions, UK estate agent tips, Auction trading strategies UK, First-time buyer UK property market, Distressed property deals UK, How to value UK properties, Technical indicators property trading, Leverage in property deals UK, Expat investing in UK property, CRM for property deal tracking, GDV calculation UK property, Refurbishing UK properties for profit, Buying below market value UK, UK flats auction strategy, Modern method property auctions UK, Property Engine UK, Viewing properties remotely UK, UK property red flags, Structural issues UK property, Japanese knotweed problems, Probate properties UK, Negotiating with UK estate agents, Building rapport with agents UK, Tips for buying UK property from abroad, Leveraging estate agents for UK auction deals, How to use technical problems for property discounts, Protecting your downside in UK property trading

Check out our new YouTube Channel @ExpatPropertyStory

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274

The first of our monthly roundup of news affecting UK Property investors.

This month's news is dominated by the Middle East Crisis..

I investigate the impact on the UK housing sector.

I also share some interesting statistics around tenancy disputes and an overview of the impending Renters’ Rights Act Our WhatsApp groupProperty Enginediscounts (Code: EXPAT)Starter: 30 day trial
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Our Sponsors: Finnigan McNeill Property Group

In this episode:

The impact of the Middle East Crisis on the UK Property Market
Global Energy Prices and UK Housing Concerns
Inflation Threatens UK Property Affordability
Interest Rate Uncertainty for UK Mortgages
Rising Mortgage Rates Affect UK Property Buyers
UK First-Time Buyers Facing Lending Challenges
UK Property Market Demand Predicted to Drop
Spring Housing Market Bounce at Risk in UK
Longer Property Chains Slow UK Transactions
Buyer Caution in Uncertain UK Property Markets
Unemployment Concerns for UK Property Demand
Investment Opportunities in Unstable UK Property Market
Auction Buyers Capitalise in UK Market Downturns
Renters' Rights Act Set to Reshape UK Rentals
UK Tenancy Disputes Rise Ahead of New Laws
Financial Impact of UK Tenancy Disputes Grows
Landlords Urged to Prepare for Legal Changes
May 2026 Reforms: UK Rental Market to Change

KeywordsUK property, UK property news, UK property market, UK property investing, UK housing market, UK mortgage rates, UK rent law changes, Renters’ Rights Act UK, Tenancy disputes UK, UK first-time buyers, UK landlord advice, UK property inflation, UK property investors, UK property auctions, How Middle East crisis impacts UK property market, What the Renters’ Rights Act means for UK landlords, Effects of energy prices on UK house prices, Upcoming changes to UK rental law in 2026, Dealing with tenancy disputes under the Renters’ Rights Act, Tips for property investors during uncertain times in the UK, Private rented sector ombudsman UK, How to prepare for rent law reforms in England and Wales, Costs and durations of tenancy disputes in the UK, Mortgage rate trends for UK expats

Check out our new YouTube Channel @ExpatPropertyStory

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273

Have you ever been in a position where you need cash and you need it fast?

Perhaps the deal of a lifetime just fell into your lap.

It’s too good an opportunity to turn down.

Maybe it’s unmortgageable.

Perhaps the seller won’t wait for you to get a mortgage.

Maybe you’re buying it at auction.

Bridging finance is a useful resource to have in your toolbox.

But it pays to understand it before you need it.

In this episode Scott Clay from Together Finance goes through everything you need to know about short term finance

Well that’s where short term-finance or bridging comes in.

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Our Sponsors: Finnigan McNeill Property Group

We discuss:

What is Bridging Finance for UK Property Investors
Bridging Loans for Auction Purchases Explained
Speed vs Price in UK Property Bridging
Together Finance: UK's Fastest Bridging Lender
Types of UK Property Eligible for Bridging Loans
Residential vs Commercial Bridging in the UK
Importance of Certainty in Property Bridge Deals
Key Team Members for Successful UK Property Borrowing
How Fast Can UK Bridging Loans Be Arranged?
Role of Accountants and Solicitors in UK Property Deals
Loan-to-Value Ratios for UK Bridging Loans
Maximum Loan Periods for UK Property Bridging
Desktop vs Physical Valuations in UK Property Finance
Risks and Challenges When Bridging for UK Properties
Creative Strategies for UK Property Bridging Loans
Interest Rates and Fees for UK Bridging Finance
How to Set Up for Success in Bridging Applications
Using Multiple Properties as Security for UK Loans
Rolling Up Interest in UK Property Bridging
Including Refurb Costs in UK Bridging Loans

Keywords:

UK property podcast, Expat property investing, Bridging loans UK, Short-term property finance UK, Together Finance bridging, Property investment strategies UK, Remote UK property investors, UK auction property finance, Speedy property lending UK, Bridging vs mortgage UK, Commercial property finance UK, Residential property finance UK, Loan to value UK property, Creative property finance UK, Regulated and unregulated bridging loans UK, Investing in UK property from abroad, Property podcasts for expats, UK property market podcast, Property finance podcast UK, Buying property with bridging loans, How to arrange bridging finance UK, UK property deal structuring, Cross-collateralised loans UK, Property refurb finance UK, Fast property transactions UK, Podcast for UK landlords, UK property valuation process, Expat landlord podcast, Property investor podcast UK, Together Finance podcast guest, Scott Clay property finance, Building your property investing team UK, Solicitor and accountant for property deals UK, UK property lending podcast, Unmortgageable property finance UK, UK property deals podcast

Check out our new YouTube Channel @ExpatPropertyStory

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272

Once a month I’m joined by Darren McNeill from our sponsors FMP to look back at a deal he sourced for a client 5 years ago.

This month, we discuss a deal in Rawtenstall, Rossendale, Lancashire BB4 8HB.

Finnigan McNeill Property specialise in high-yielding turnkey properties in the Northwest for under 125K.

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We discuss:

High-Yield Turnkey Properties in North West UK
Five-Year Review of UK Buy-to-Let Investments
Rawtenstall: A Top UK Property Hotspot
Commuter Town Trends in the UK Property Market
Investment Growth: From £85k to £140k in UK Property
UK Rental Demand Surges in Rawtenstall
Success Story: Consistent UK Property Rental Income
UK Property Remortgage Strategies for Expats
Calculating Loan to Value in UK Property Deals
Rawtenstall Property Values On The Rise
UK Rental Yields: What Investors Need to Know
Rawtenstall: Employment Rates and Property Demand
Finding Affordable UK Investment Properties
Property Price Boom in North West England
Importance of Timing in UK Property Investment
The Yield Curve for UK Property Investors
UK Stamp Duty’s Impact on Investment Choices
Where to Find the Best UK Property Deals

Keywords

UK property podcast, Expat property podcast, Property investment UK, Buy-to-let podcast UK, UK real estate podcast, High-yielding turnkey properties UK, Investing in Northwest UK property, Rawtenstall property market, Lancashire property investment, UK property auctions update, Buy-to-let mortgages UK, UK rental market trends, UK property news podcast, Hands-free property investment UK, Podcast for expat property investors, UK property market analysis, Commuter towns near Manchester property, UK property prices growth, UK property sourcing podcast, Turnkey property investments podcast, Property yield calculator UK, Stamp duty threshold UK property, UK rental demand podcast, UK expat investor case studies, UK buy-to-let remortgage advice, Taylor Street Rawtenstall, Finnegan McNeill Property Group, Rawttenstall property yield, Lancashire buy-to-let, Rawtenstall tenant profile, Property value growth Rawtenstall, Buy-to-let refurb UK, UK property price increase 2024, Rental income Rawtenstall, UK expat property success story, Property investment podcast episodes UK, UK property investor tips, First-time buyer property podcast UK, Podcast for UK property landlords

Check out our new YouTube Channel @ExpatPropertyStory

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271

Making Tax Digital is a new system that will completely change the way in which many UK landlords report their income and expenses to HMRC from 6 April 2026.

If you own rental property or have self‑employment income, this episode is definitely for you.

Simon Misiewicz of Optimise Accountants Ltdtakes us through everything we need to know.

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Pro: 30 day trial/3 mths 1/2 price, Ultimate: 1/2 price 3 months

GoalsettingLeave a review37 Question Due Diligence Checklist / Auction Guide

Our Sponsors: Finnigan McNeill Property GroupWe discuss:

Making Tax Digital: Key Changes for UK Property Landlords
UK Rental Income Reporting Overhaul from April 2026
New Income Thresholds for UK Property Investors
Required Software for UK Property Tax Compliance
Quarterly Reporting for UK Property Owners Explained
Penalties for UK Property Landlords Missing MTD Deadlines
Who Is Affected by Making Tax Digital in UK Property
Exemptions for UK Expats and Foreign Property Investors
Separating Personal and Business Banking for UK Landlords
Advantages of FreeAgent for UK Property Investors
Pros and Cons of Landlord Vision and Hammock Software
Partnership Structures and UK Property Tax Exemptions
Limited Companies vs. Personal Name Property Ownership
Increased Accountant Costs for UK Property Owners
Digitising Invoices and Receipts for HMRC Compliance
Penalty Points System for UK Property MTD Submissions
Recommendations for UK Landlords: Take Action Early
Common Mistakes in UK Property Tax Filing
Separate Bank Accounts to Protect UK Property Privacy
Final Tips for UK Property Investors on MTD Compliance

Keywords

UK property podcast, expat property podcast, making tax digital for landlords, making tax digital UK, UK landlord taxes, expat landlord UK, UK property investing podcast, HMRC making tax digital, reporting rental income UK, property tax software UK, landlord tax changes UK, digital tax for self-employed UK, property investment accounting UK, property accounting software UK, quarterly tax reporting landlords, tax exemptions UK property, UK tax penalties landlords, digital bookkeeping for landlords, best tools for UK property tax, staying compliant UK landlord

Check out our new YouTube Channel @ExpatPropertyStory

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270

The first of our monthly reviews of what's going on in the world of UK Property auctions, featuring Jay Howard from Hammered AuctionsOur WhatsApp groupProperty Enginediscounts (Code: EXPAT)Starter: 30 day trial
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Our Sponsors: Finnigan McNeill Property Group

We discuss:

UK Property Auctions: December Buying Opportunities
Be Brave When Others Are Fearful in UK Auctions
December Property Market: Lower Competition, Better Deals
January UK Auctions See Major Market Players Move
Fast Property Trading with Buyers Club in UK
Profitable UK Property Trades Despite Market Uncertainty
February Sets Strong Tone for UK Property Auctions
Record Sales: 11 Out of 12 UK Properties Sold
Market Shifts: Big Funds Selling Before UK Auctions
New Trends in UK Property Auction Strategy
Freehold Three-Bedroom Homes Hot in UK Auctions
Flats and Apartments Slower to Sell at UK Auctions
Value-Add Opportunities: Short Lease UK Flats
Modern Apartments and UK Cladding Issues Explained
EWS1 Certificates: What UK Property Buyers Need
Mixed-Use Properties Gaining Popularity at UK Auctions
Tax Year-End Drives March UK Property Sales
How Market Fear Creates UK Property Buying Chances
March Auctions: Secret Strength in UK Property Market
Expert Predictions for Upcoming UK Property Auction Trends

Keywords

UK property podcast, Property auctions UK, Expat property investment UK, UK auction market update, Buying property at auction UK, UK property market trends, Auction Buyers Club UK, UK property investment tips, Selling property at auction UK, Expat real estate podcast, UK real estate auctions, Jay Howard property expert, Property Trading Academy UK, Best time to buy property UK auctions, UK auction results analysis, Short lease flats UK, Cladding issues UK property, EWS1 certificate explained, Auction strategies UK, Residential vs commercial property UK

Check out our new YouTube Channel @ExpatPropertyStory

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269

This episode explores a strategy that only requires a 10% deposit instead of the usual 25%

Today’s guests are Rob Peters from Simple Fast Mortgage who presents a way to buy a Day One mortgage with just 10%

And his client Bhadar Shokar who proves that it can be done.

There are of course some caveats which we’ll run through at the end.

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Pro: 30 day trial/3 mths 1/2 price, Ultimate: 1/2 price 3 months

GoalsettingLeave a review37 Question Due Diligence Checklist / Auction Guide

Our Sponsors: Finnigan McNeill Property Group

In this episode, we discuss:

UK Property Investing with a 10% Deposit Strategy
Minimising Cash Outlay for UK Property Purchases
How to Buy Below Market Value Properties in the UK
Using Mortgages for UK Property Equity Release
Bridging vs. Mortgages for UK Property Investors
Multi-Unit Blocks: Unlocking UK Property Value
Aggregate Value vs. Block Value in UK Property
Surveyors’ Role in UK Property Valuation
Expats Access UK Property Lending Options
Loan Requirements for UK Property Investment
UK Property Rental Yield and Mortgage Affordability
Title Splitting in UK Property Investment Explained
Stamp Duty Implications for UK Property Blocks
Leases and Entities Structure in UK Property Deals
Finding UK Property Blocks with Existing Leases
UK Property Market Research Tips for Investors
Refurb Costs Impact on UK Property Investment Returns
UK Property Portfolio Equity Building Strategies
Risks of 90% Loan-to-Value UK Property Mortgages
UK Property Research: Combining Desktop and Phone Methods

Keywords

UK property podcast, Expat property investing, UK real estate investing, Property investment for expats, Below market value property UK, UK property investment strategies, Multi-unit block investment UK, Mortgage broker UK podcast, UK buy-to-let investment, UK HMO investing, Title splitting UK property, 10% deposit property UK, Leveraging property equity UK, Aggregate value UK flats, Block value vs aggregate value UK, Scarborough property investment, Building portfolio UK property, Residential property finance UK, Mortgages for expats UK, Property lender strategies UK, Property flipping UK podcast, Rental yield UK property, Property Engine platform UK, Bridging loans UK property, Legal costs for title split UK, Stamp duty block purchase UK, Refurbishing UK flats, Long-term property investing UK, Investing in UK flats remotely, Property due diligence UK, Letting agent research UK, Freehold and leasehold structure UK, Expat Property Story podcast, Simple Fast Mortgages, Rob Peters mortgage broker, Bhadar Shokar property investor

Check out our new YouTube Channel @ExpatPropertyStory

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268

Are you looking for a way to buy UK property and add value but without the headache of refurbishment and with minimal expense?

Today’s episode tackles Title Splits.

You buy a freehold block of flats under one title.

You then split the titles up so that the aggregate value of each individual flat creates an uplift in the overall total value.

Max Scott has been doing this for many years.

Our WhatsApp groupProperty Enginediscounts (Code: EXPAT)Starter: 30 day trial
Pro: 30 day trial/3 mths 1/2 price, Ultimate: 1/2 price 3 months

GoalsettingLeave a review37 Question Due Diligence Checklist / Auction Guide

Our Sponsors: Finnigan McNeill Property Group

In this episode, we discuss:

What is Title Splitting in UK Property Investing
How Title Splitting Adds Value to UK Real Estate
Freehold vs Leasehold Explained for UK Property
Finding Blocks of Flats on Rightmove and OnTheMarket
Step-by-Step Guide to Title Splitting Property
Checking Utilities and Metering for UK Flats
Minimum Flat Size for UK Mortgage Lending
Using Lease Plans for UK Title Splits
Structuring Limited Companies for UK Property Splits
Stamp Duty Rules for Related Entity Transfers
Lending Challenges with UK Title Splits
Concentration Risk for Multiple UK Flats
Value Uplift from Title Splitting in the UK
When Title Splitting Works Best in Affluent Areas
Title Splitting in High vs Low Yield UK Areas
Commercial Valuation for Freehold Blocks in UK
Impact of Multi-Dwellings Relief Removal in UK
Importance of Mortgage Broker with UK Title Split
Avoiding Double Stamp Duty in UK Property Deals
Tips for Sourcing Title Split Opportunities in UK Property

Keywords

UK property podcast, Expat property investment, Title splitting UK property, Buying blocks of flats UK, Leasehold and freehold explained, UK property strategies for expats, Remote property investing UK, Auction property UK, Mortgage advice UK property, Limited company property investing, Group structure property investment, Property lending and financing UK, Stamp duty UK property, Commercial valuation UK, Investment blocks of flats, Adding value without refurbishment, Finding blocks of flats UK, Metered flats UK, Property portfolio management UK, Minimum flat size for lenders UK, Property due diligence checklist, Multi-dwellings relief UK, Concentration risk property lending, Buy-to-let investment UK, Selling leasehold flats UK, Property Engine UK, OnTheMarket blocks of flats, WhatsApp groups for expat investors, Podcast for UK property investors, Maximizing value UK property

Check out our new YouTube Channel @ExpatPropertyStory

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267

If you’re building a UK property portfolio in 2026 and you have the time to look for your own deals, then you should be looking to buy at discount.

Finding a bargain often means dealing directly with vendors.

Which is what this episode is all about.

Ruban Selvanayagam has been buying and selling UK property with his business partner James Durr since 2006.

They solve problems for vendors via their cash buying company, their estate agency and their online auctions under the umbrella name of Property Solvers.

Our WhatsApp groupProperty Enginediscounts (Code: EXPAT)Starter: 30 day trial
Pro: 30 day trial/3 mths 1/2 price, Ultimate: 1/2 price 3 months

GoalsettingLeave a review37 Question Due Diligence Checklist / Auction Guide

Our Sponsors: Finnigan McNeill Property Group

We discuss:

Mastering Vendor Negotiation in the UK Property Market
Tips for Building a UK Property Portfolio in 2026
How to Find Discounted UK Property Deals
Understanding Vendor Motivation in UK Property Sales
Common Seller Types in the UK Property Sector
Challenges with Online UK House Valuation Tools
Key Questions to Pre-Qualify UK Property Sellers
Identifying Flexible Vendors in the UK Property Space
Educating UK Property Sellers on Market Reality
Setting the Right Price for UK Property Sales
Importance of Sold Comparables in UK Property Valuation
Speed, Certainty, Price: UK Property Vendor Priorities
Auction versus Investor Sale in UK Property
Dealing with Problematic Tenants in UK Property Investments
Impact of Renters' Reform in UK Property Lettings
Building Relationships with UK Estate Agents
The Value of Quick Transactions in UK Property Buying
Refurbishment Costs for UK Semi-Detached and Terrace Houses
Best UK Property Types for Rental and Resale
Filtering Unmotivated Vendors in the UK Property Market

Keywords
UK property podcast, property investment UK, expat property, UK buy-to-let podcast, UK real estate podcast, UK property market insights, investing in UK property, buying property at a discount UK, dealing with property vendors UK, UK property auctions, UK estate agents tips, property valuation UK, building a UK property portfolio, remote property investing UK, selling property in the UK, UK property refurb advice, landlord tips UK, how to find motivated property vendors in the UK, tips for buying below market value UK property, advice for expat UK property investors, understanding UK house price trends, fastest ways to buy UK property, working with UK estate agents as an investor, filtering the best UK property deals, UK property refurb cost breakdown, best types of UK property to invest in 2026, navigating the UK property market as an expat, Expat Property Story podcast, Ruban Selvanayagam property advice, James Durr Property Solvers, UK property investor interviews, Expat remote property investing UK, Property Solvers auction advice

Check out our new YouTube Channel @ExpatPropertyStory

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266

UK property Investors are anxious.

Regulation is tightening. Lending is shifting. Costs are rising. And Landlords are leaving.

It’s a new market and many of the old ways of investing in UK property don’t work anymore.

To survive and thrive in 2026 and beyond, we need to understand where we’re at and how we got here.

This episode will tell you exactly what to do about it.

It's based on a report by Paul Ribbons, author of Hustle Your Way to Property Success

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Pro: 30 day trial/3 mths 1/2 price, Ultimate: 1/2 price 3 months

GoalsettingLeave a review37 Question Due Diligence Checklist / Auction Guide

Our Sponsors: Finnigan McNeill Property GroupIn the episode, we discuss:

UK Property Market Shifts: 2026 Outlook
Regulation Tightens for UK Property Investors
Landlords Leave UK Buy to Let Market
1970s UK Property Market: Inflation and Scarcity
Margaret Thatcher’s Legislation Transforms UK Property
The Rise of Buy to Let in the UK
Crash of the 1990s: Bad UK Lending
Self-Certified Mortgages and "Liar Loans" Era
2008 Global Financial Crisis Impacts UK Property
Lenders Shift Focus to UK Property Investors
Policy Changes Hit UK Landlords Post-2016
Buy, Refurbish, Refinance Model Loses Appeal
HMOs and Yield Chasing in UK Property
Serviced Accommodation Struggles in UK Market
Supported Living: Risks for UK Landlords
Institutional Investors Enter UK Residential Market
Lenders Compete for First Time UK Buyers
Government Push for UK Homeownership
Trading and Family Homes: UK Property Opportunities
Flats Set for UK Property Value Recovery

Keywords

UK property podcast, Expat property podcast, UK property investing podcast, UK property market 2026, UK buy to let podcast, UK landlord podcast, Property investment UK podcast, UK property regulations 2026, UK property trading strategies, UK auction, trading podcast, Buy to let strategies UK, UK real estate podcast, UK property compliance, UK property lending trends, First time buyer UK trends, How to invest in UK property from abroad, Impact of regulation on UK landlords, Institutional investors UK property, UK property auction tips, Buy, refurbish, refinance UK, UK HMO landlord challenges, Multi unit conversion UK property, Building wealth in UK property 2026, Mortgage trends UK 2026, Section 24 UK explanation, Stamp duty changes 2026 UK, UK property podcast for expats, Paul Ribbons property insights, Expat landlord advice UK, UK property investing stories

Check out our new YouTube Channel @ExpatPropertyStory

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265

James Fox uses Assisted Sales as part of the Buy Three, Sell two, Hold One method of building a UK Property Portfolio.

James’ approach is to do two Assisted Sales and use the profits to buy mixed use buildings which allow more efficient wand economic ways to add value and increase returns in the long term.

This is a really well thought out business design that will give you lots of great ideas.

Our WhatsApp groupProperty Enginediscounts (Code: EXPAT)Starter: 30 day trial
Pro: 30 day trial/3 mths 1/2 price, Ultimate: 1/2 price 3 months

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Our Sponsors: Finnigan McNeill Property Group

During the episode we discuss:

Creative UK Property Strategies: Assisted Sales Explained
Overcoming Skepticism of UK Property Investing Methods
How to Incentivize Estate Agents in UK Property Deals
Communication Tips for UK Property Agents and Investors
Structuring Offers: Cash, Assisted Sale, Lease Options
Speeding Up UK Property Transactions Without Traditional Finance
Working Successfully with UK Estate Agents and Solicitors
Selecting the Right UK Property Solicitor for Creative Contracts
The Importance of Templates in UK Property Dealmaking
Verbal and Written Communication for UK Property Offers
Targeting Properties Stuck on UK Market for Investment
Flipping UK Probate Properties Using Assisted Sales
Avoiding Stamp Duty in UK Property Flips
Solving UK Property Issues: Tenants, Title, and Structural Problems
Risk Management in UK Property Assisted Sales
Using RX1 and Power of Attorney for UK Property Control
Building UK Property Portfolios: Buy 3, Sell 2, Hold 1
Investing in Mixed Use UK Property for Lower Stamp Duty
How to Find Off Market UK Probate Property Deals
Resilience and Determination for UK Property Success

Keywords

UK property podcast, UK property investment podcast, property investment UK, expat property investing, creative property strategies UK, assisted sales UK property, buy 3 sell 2 hold 1 strategy, property investing for expats, UK property portfolio podcast, remote UK property investing, Secondary Keywords & Long-Tail Keywords, assisted sales strategy UK, mixed use property investment UK, avoiding stamp duty UK property, estate agent tips for investors, property sourcing for expats, probate property UK investment, buy to let UK podcast, off-market property deals UK, property refurb UK, residential and commercial property investment UK, Kent property investment podcast, property flipping UK podcast, build to rent UK, lease option property UK, property finance UK podcast, buying UK property from overseas, property agent negotiation UK, investing in UK home counties property, scaling a UK property portfolio, UK property sourcing tips, property risk management UK, UK stamp duty tips, expat buy to let, property agent relationships UK, UK property income strategies, UK property market podcast, landlord tips UK, UK property renovation podcast, working with UK probate solicitors, bridging finance UK property, first time UK property investor, finding UK property bargains

Check out our new YouTube Channel @ExpatPropertyStory

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264

Do you sometimes feel envious of local investors who can drop into their local estate agent with a box of donuts and get into little their black book?

Or are you too tired after a hard day at the expat office to phone up agents.

Maybe you just don’t like phoning people.

Mark Shawdescribes himself as a Lifestyle Investor because he does great deals without picking up the phone, doing viewings or even leaving the comfort of his laptop.

He's been specializing in creative strategies such as title splits, assisted sales and lease options since 2012.

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We discuss:

· How UK Property Investors Can Source Deals Remotely

· Creative UK Property Strategies: Title Splits & Lease Options

· Building Agent Relationships in UK Property via Email

· Assisted Sale Explained for UK Property Investors

· Structuring UK Property Offers Without Viewings

· Identifying Motivated Sellers in the UK Property Market

· Using Email for UK Property Negotiations

· Owner Occupier Scenarios in UK Property Sales

· Benefit of Letting Agents for Property Deals

· Probate Property Opportunities for UK Investors

· Chain Break Solutions in UK Property Transactions

· Overcoming Agent Skepticism in UK Property Deals

· Three-Offer Method for UK Property Purchases

· Repeat Business with UK Estate Agents

· How to Find Off-Market UK Property Deals

· Capital Gains Tax Strategies for UK Landlords

· Tips for UK Property Investors Working Overseas

Keywords

UK property podcast, Expat property investing, Remote property investment UK, Property investment strategies UK, Nottingham property market podcast, Creative property deal making, Lease options UK property, Assisted sales UK property, Title splits property strategy, Buying property via email UK, Estate agent rapport building, Off-market property deals, Letting agent tips UK, Chain break property solutions, Probate property deals UK, Legacy landlord exit strategy, How to invest in UK property as an expat, No viewing property investment strategies, Communicating with estate agents as a remote investor, Email-based property deal making UK, Solving chain break property transactions UK, Managing UK property deals from abroad, Creative solutions for UK property vendors, Overcoming agent skepticism in property deals, Step-by-step guide to assisted sales in UK, Landlord portfolio disposal tips UK, Section 24 landlord impacts UK, Property vendor scenarios UK, UK property compliance for expats, Referral fees for property contractors UK, UK property mastermind group, Expat Property Story podcast, Mark Shaw property strategies, UK remote property investment advice, Landlord creative exit strategies podcast

Check out our new YouTube Channel @ExpatPropertyStory

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263

Have you heard UK property investors discussing group structures and wondered what they’re talking about?

Today, Simon Misiewicz from Optimise Accountants explain what they are, why they might be worth thinking about and how to go about it all.

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Our Sponsors: Finnigan McNeill Property Group

We discuss:

· What Are Group Structures in UK Property Investment?

· Benefits of Using Limited Companies for UK Property

· Understanding Holding Companies in UK Property Structures

· SIC Codes Explained for UK Property Companies

· Setting Up Subsidiaries in UK Property Groups

· Flipping vs. Holding: Structuring for UK Property Investors

· How to Move Assets Between UK Property Companies

· Tax Advantages of UK Property Group Structures

· Stamp Duty Implications in UK Property Groups

· Finance and Bank Considerations for UK Property Holdings

· Creating a Holding Company After Starting a UK SPV

· Streamlining UK Property Investments for Better Lending

· Trading Companies and Auction Strategies for UK Property

· Share-for-Share Exchange in UK Property Groups

· Lender Reactions to UK Property Restructuring

· Legal and Financial Risks of Mixing Activities in One Company

· Succession Planning in UK Property Group Structures

· Joint Ventures and UK Property Group Complications

· Expat Considerations in UK Property Group Setups

Keywords

UK property podcast, Expat property investing, UK expat property strategies, Group structures for property investors, Property investment podcast UK, Limited company for property investment UK, UK property investment advice, Property holding company UK, UK property flipping company, SIC code 68209 investment company, Special purpose vehicle SPV property UK, Optimizing property group structures, Tax-efficient property investing UK, Expat property story podcast, Succession planning for property investors, UK property developing and flipping, Joint venture in UK property, UK property inheritance planning, Family investment company UK, Property company structure for expats, UK property, UK property podcast, group structures UK property, expat UK property investment, limited company property investment, holding company UK, property investment tax efficiency, UK stamp duty, SPV property, succession planning UK property, Family Investment Company, SIC 68209, SIC 68100, trading property UK, buy-to-let UK, property flip, auction property UK, accountant for UK property, Optimize Accountants, UK expat taxes, property investment structure

Check out our new YouTube Channel @ExpatPropertyStory

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262

I do like a good case study because there’s so much opportunity for learning in lots of different subtopics.

Today’s case study comes from the fantastically named Kristina Castellina, an accomplished property investor specialising in buy-to-let and serviced accommodation in the Northwest of England.

Kristina came across a property on Right Move that was previously being used as a family home.

As the title reveals, this is a tale with many twists and turns.

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During the episode, we discuss:

Holiday Lets and Serviced Accommodation in the UK
- Deep dive into running a successful holiday let in Blackpool
- Essential insights for UK property investors targeting serviced accommodation and buy-to-let strategies
How Kristina Castellina
- identified a unique 10-bedroom investment property on Rightmove
- The impact of poorly listed / marketed properties on finding investment bargains in the UK property market
Planning Permission and Regulatory Insights for UK Property Investors
- Detailed explanation of full planning permission requirements for serviced accommodation in Blackpool
- Navigating the specific rules around Blackpool’s holiday zone and why so many investors get caught out
- Risks of purchasing UK property for serviced accommodation without correct planning permissions
UK Property Purchase Funding and Finance
- Creative use of investor finance, first charge loans, and raising funds for UK property deals
- Challenges and solutions for refinancing UK serviced accommodation with commercial mortgages
- Issues around downvaluations, engaging planning consultants, and successfully achieving commercial valuations
Holiday Let Refurbishment and Design for Maximum Occupancy
- Breakdown of a £100,000 refurbishment: modernizing, decorating, creating Instagrammable spaces, adding amenities like car parks and games rooms
- Strategic choices for maximizing rental income, occupancy rates, and market appeal
UK Holiday Let Business Operations and Profitability
- Discussion of occupancy rates, seasonal demand, managing cleaning and linen costs amidst UK minimum wage increases
- The importance of direct bookings vs. relying on OTAs (Airbnb, Booking.com) for control and profitability
Market Trends in the UK Serviced Accommodation Sector
- How the UK holiday let market changed pre- and post-Covid; trends in nightly rates and occupancy
- Strategies for sustaining profitability through market fluctuations and seasonality
Commercial Lending and Valuation Challenges for UK Property
- Persistence in achieving fair valuations and working with multiple lenders
Lessons for UK Property Investors
- Why persistence, local market research, and compliance with planning are essential for UK property success

Check out our new YouTube Channel @ExpatPropertyStory

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261

This is the twelfth and final episode in this year’s mini-season celebrating the 12 Days of Christmas.

We’re releasing daily bite sized episodes.

Each one contains clips from three of my favourite episodes from 2025.

Today’s show features extracts from:

#229: Creating 205K Equity with just £18,000 (Motiul Islam )

#212: The Secret To Reviewing Auction Legal Packs (Jade Shrubsole)

#231: How to Sell Property at Auction (Piotr Rusinek)

#214:The Secret Formula to making £6.5 Million in 4 Years (Oliver Adams)

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Our Sponsors: Finnigan McNeill Property Group

Keywords

UK property podcast, UK property investment podcast, Expat property podcast, Property disasters UK, UK property auctions, UK buy-to-let podcast, Property investing tips UK, UK property investment mistakes, UK auction property stories, Property legal pack review UK, Docuise property AI, UK auction house stories, Buy-to-let in Manchester, Council tax empty house UK, UK property management podcast, UK property finance issues, Builder problems UK property, Tenant issues UK property, How to avoid property disasters in the UK, Real-life UK property investment failures, Building a property portfolio as an expat, UK property auction horror stories, Council tax premium for empty properties UK, Risks of buying property at auction UK, Managing renovation costs UK property, Legal pack mistakes in UK auctions, Investing in old seaside town properties UK, Expat Property Story podcast, Finnegan McNeill Property Group FMP, property sourcing UK, Oliver Adams property story, Jade Shrubsole Docuise AI

Check out our new YouTube Channel @ExpatPropertyStory

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260

This is the eleventh episode in this year’s mini-season celebrating the 12 Days of Christmas.

We’re releasing daily bite sized episodes.

Each one contains clips from three of my favourite episodes from 2025.

Today’s show features extracts from:

#245: Inside the World of Assisted Sales (Paul Stapleton)

#247: Why You Should Buy UK Property Now (Will Mallard)

#248 How to Find Big Discounts with Direct to Vendor Marketing(Keith Firmin)

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Our Sponsors: Finnigan McNeill Property Group

Keywords

UK property podcast, Expat property story, UK property investing, Buy-to-let investment podcast, UK property market insights, UK real estate podcast, Property investment tips UK, Assisted sale property strategy, Buy discounted property UK, Direct to vendor letter campaigns, UK property sourcing advice, Expat property investing UK, Building a UK property portfolio, Investing in Greater Manchester property, Hands-free property investment UK, Property networking UK, Finding property deals UK, Residential vs buy-to-let UK mortgages, Probate property UK buy, Motivated seller UK property, Property investor podcast UK, UK house price negotiation, HMO property investment UK, Property valuation UK podcast, Council landlord meeting property, Finnegan MacNeill Property Group, Darren McNeill property sourcing, Will Mallard property advice, Paul Stapleton assisted sale expert, Keith Firmin direct to vendor strategy

Check out our new YouTube Channel @ExpatPropertyStory

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259

This is the tenth episode in this year’s mini-season celebrating the 12 Days of Christmas.

We’re releasing daily bite sized episodes.

Each one contains clips from three of my favourite episodes from 2025.

Today’s show features extracts from:

#242: Should Your First UK Property Investment Be a Flip? (Justin Wilkins)

#243: Doctors & Nurses: HMOs Near Hospitals (Tom Appleton)

#244: What You Need to Know About Probate Property ( Dan Marsden)

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Our Sponsors: Finnigan McNeill Property Group

Keywords

UK property podcast, Expat property investment UK, Hands-free property investing, Buy-to-let property UK, Property sourcing strategies UK, HMOs UK, HMO property management tips, UK property statistics, UK auction property insights, Probate property auctions UK, Manchester investment property, Expat landlord UK, Passive income through property UK, UK property deal stacking, Property portfolio management UK, UK property renovation tips, High yield UK property, Property market trends UK 2024, Expat property advice, UK property cycles, FR&I lease property UK, Student property investment UK, Housing officer contact UK, Council leased property UK, Auction vs estate agent sales UK, Property deal flow UK, Sourcing property deals UK, Property investment goals UK, Property inspection checklist UK, Expat property podcast

Check out our new YouTube Channel @ExpatPropertyStory

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258

This is the ninth episode in this year’s mini-season celebrating the 12 Days of Christmas.

We’re releasing daily bite sized episodes.

Each one contains clips from three of my favourite episodes from 2025.

Today’s show features extracts from:

#238: The Best UK Property Model for 2026? (Dillon Dhanecha)

#239: From Losing 50K to Tropical Property Profits ( Jamie Barnsley )

#241: Flipping a UK Property Portfolio for £190K!!! (Saif Rehan)

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Our Sponsors: Finnigan McNeill Property Group

Keywords

UK property podcast, Expat property investment UK, Buy to let UK, Social housing investment UK, Supported living property investment, Cashflow property strategy UK, Buy-to-let portfolio UK, Overseas property investors UK, Turnkey property investment UK, Local authority housing UK, UK property sourcing, Property investing for expats, UK expat property advice, Property podcast Manchester, UK property market 2025, Low-risk property investment UK, UK property cash flow tips, UK property professionalisation, UK construction business property, FMP Property Group UK, UK housing waiting lists, Landlord cash flow UK tips, Central government housing contracts UK, Investing in social housing UK, Passive income property UK

Check out our new YouTube Channel @ExpatPropertyStory

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257

This is the eighth episode in this year’s mini-season celebrating the 12 Days of Christmas.

We’re releasing daily bite sized episodes.

Each one contains clips from three of my favourite episodes from 2025.

Today’s show features extracts from:

#234: Is UK Property Worth the Hassle Anymore? (Mark Morris)

#235: How to Make 100K by Reconfiguring a Flat (Kazy)

#236: Buying Well, Selling Fast: Insider Tips From a Cash Buying Company (Jonathan Rolande)

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Our Sponsors: Finnigan McNeill Property Group

Keywords

UK property podcast, Expat property investment, Buy to let UK, Passive income UK property, Reconfiguring UK flats, Property sourcing UK, Adding value to UK property, UK property passive income myth, Hands free UK property investment, North vs South UK property, UK property portfolio tips, Property management UK advice, UK letting agent tips, Buying property UK as an expat, UK property cash buying companies, Sales ratios property analysis UK, Increasing UK flat value, London property investment strategies, UK property refurbishment tips, UK property condition assessment

Jonathan Rolande

Check out our new YouTube Channel @ExpatPropertyStory

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256

This is the seventh episode in this year’s mini-season celebrating the 12 Days of Christmas.

We’re releasing daily bite sized episodes.

Each one contains clips from three of my favourite episodes from 2025.

Today’s show features extracts from:

#229: Creating 205K Equity with just £18,000 (Motiul Islam)

#230: What No One Tells You About HMOs (Richard Nicholls)

#231: How to Sell Property at Auction (Piotr Rusinek)

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Our Sponsors: Finnigan McNeill Property Group

Keywords

UK property podcast, Expat property investment podcast, UK property investing tips, UK expat property story, Buy to let UK podcast, HMO investing UK, Creative property deals podcast, Selling property at auction UK, UK property auctions podcast, Social housing investment UK, Property development UK podcast, Forced appreciation property UK, How to build a UK property portfolio as an expat, UK property market update podcast, Tips for selling property at auction in the UK, Hands-off UK property investment, Choosing the best UK auction house, Northwest UK buy to let podcast, Profitable HMO strategies UK, Social housing HMOs podcast tips, UK property strategies podcast, Real estate podcast UK, UK landlord advice podcast, Passive income property UK, UK property buying process podcast, Auction property tips UK

Check out our new YouTube Channel @ExpatPropertyStory

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255

This is the sixth episode in this year’s mini-season celebrating the 12 Days of Christmas.

We’re releasing daily bite sized episodes.

Each one contains clips from three of my favourite episodes from 2025.

Today’s show features extracts from:

#227: Is 2025 a Good Time to Invest in UK Property? (Graham Kinnear)

#228: Recognising, Enhancing, and Extracting Value in UK Property (Patricia Ogunfeibo)

#226: What You Need to Know About the Renters' Rights Bill (Ryan Heaven)

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Our Sponsors: Finnigan McNeill Property Group

Keywords

UK property podcast, Expat property podcast, UK real estate podcast, Property investment podcast UK, UK property market podcast, Renters rights UK podcast, Buy to let UK podcast, UK property outlook, Property investing for expats, How to invest in UK property, UK property investor advice, Investing in UK property from abroad, Expat landlords UK, Renters Rights Act podcast, UK property values, Enhancing property value UK, UK property trends 2025, UK property tips for expats, How to buy property in the UK as an expat, UK property strategies for overseas investors, Landlord and tenant rights UK podcast, UK property market predictions 2025, Maximizing property value UK, Finding value in UK property, Evicting tenants under Renters Rights Act UK, Hands-off UK property investment, Building a property portfolio UK podcast, UK property management for expats, UK property podcast episode, UK property expert interviews, Legal advice for UK landlords podcast, UK property council tax rules, Refurbishing UK property tips, Buying UK property for retirement, Podcast for UK property enthusiasts, UK property renovation costs, UK rental property podcast

Check out our new YouTube Channel @ExpatPropertyStory

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254

This is the fifth episode in this year’s mini-season celebrating the 12 Days of Christmas.

We’re releasing daily bite sized episodes.

Each one contains clips from three of my favourite episodes from 2025.

Today’s show features extracts from:

#224: Why You Should Invest in Northern Ireland Property (Eimear Gourley)

#225: Structural Secrets for UK Property Investors (Paul Fowler)

#223: The Ticking Time Bomb of EPCs in UK Property (Solo)

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Our Sponsors: Finnigan McNeill Property Group

Keywords

UK property podcast, Expat property podcast, UK buy to let podcast, Property investment UK podcast, UK property investment tips,Investing in Northern Ireland property, Expat property story, UK rental property advice, Energy Performance Certificate advice UK (EPC), EPC changes 2026 UK landlords, UK property market podcast, Structural issues property UK, UK property portfolio management, Hands free property investing UK, Property renovation UK podcast, How to identify structural issues in UK properties, Landlord tips for EPC changes 2026, Buying to let in Belfast Northern Ireland podcast, UK property legislation for expats, Maximising capital growth Northern Ireland property, Avoiding subsidence problems in UK rentals, Retrofit contractors advice UK property podcast, Grants for energy improvements UK landlords, UK stamp duty for expats, Rental yield Belfast, UK property legislation differences, Property sourcing companies UK review, Podcast for investing in Manchester property

Check out our new YouTube Channel @ExpatPropertyStory

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253

This is the fourth episode in this year’s mini-season celebrating the 12 Days of Christmas.

We’re releasing daily bite sized episodes.

Each one contains clips from three of my favourite episodes from 2025.

Today’s show features extracts from:

#217: An Insider's Guide to Flipping Auction Properties (Simon Duckworth)

#219: EVERYTHING You Need To Know About TRUST (Charlie Green)

#222: The Secret Sauce to Creating HMOs in Article 4 Areas (Tristan Gordon)

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Our Sponsors: Finnigan McNeill Property Group

Keywords

UK property podcast, Expat property investment UK, Buy-to-let UK podcast, Property auction strategies, UK property management, Investing in UK property from abroad,Modern method of auction UK, I Am Sold auction tips, Property sourcing UK, Probate property UK, Tracking property auctions, Real estate CRM for investors, Ground rent investments UK, Direct to vendor marketing UK, Freehold ground rent sourcing, Trust equation in business, Property detective skills UK, Building trust in property deals, Reliable property advisors UK, Charlie Green trust equation, Simon Duckworth property techniques, Tristan Gordon property sourcing methods, Overseas property investors UK, Hands-free property investment UK, Property portfolio building UK, Expat property stories, Finnegan McNeill Property Group,How to find UK property bargains, Best CRM for property investors, Due diligence in UK real estate, How to trace property owners UK, Step-by-step property sourcing UK, Writing offers for UK auctions, How to invest in UK real estate as an expat, Tips for buying property at UK auctions, Building a trustworthy investment team UK, Strategies for direct to vendor deals UK, Navigating property market cycles UK

Check out our new YouTube Channel @ExpatPropertyStory

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252

This is the third episode in this year’s mini-season celebrating the 12 Days of Christmas.

We’re releasing daily bite sized episodes.

Each one contains clips from three of my favourite episodes from 2025.

Today’s show features extracts from:

#209: Mindset and Motivation from Damian Hughes of High Performance (Damian Hughes)

#211: How to Buy, Refurbish & Refinance With Speed and Efficiency (Ormad Properties)

#214: The Secret Formula to making £6.5 Million in 4 Years (Oliver Adams)

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Our Sponsors: Finnigan McNeill Property Group

Keywords

UK property podcast
Expat property podcast
UK property investment podcast
Buy to let UK
UK property auction strategies

Secondary Keywords:

Expat property investing, UK property portfolio tips, Buy, refurbish, refinance UK, High performance property investing, UK property crime rates research, Manchester property investment, Yorkshire property podcast, Light refurbishment tips UK, Property due diligence UK, Property project management podcast, How to build a UK property portfolio as an expat, UK buy to let market insights, Auction trading strategies UK property, Tips for hands-off property investment UK, Best UK property podcasts for expats, Project management in UK property investing, Modernisation tips for UK rental properties, Expat Property Story podcast, Damian Hughes property interview, Oliver Adams property trading, Gary and Kirsty property tips

Check out our new YouTube Channel @ExpatPropertyStory

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251

This is the second episode in this year’s mini-season celebrating the 12 Days of Christmas.

We’re releasing daily bite sized episodes.

Each one contains clips from three of my favourite episodes from 2025.

Today’s show features extracts from:

#205: How to Build a Stress-Free UK Property Portfolio (Darren McNeill)

#206:Property Engine: Right Move on Steroids (Jamie Greefe)

#207:Three Phases of Building a UK Property Portfolio (Vicki Wusche)

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Our Sponsors: Finnigan McNeill Property Group

KeywordsUK property podcast, Expat property investing, UK buy to let strategies, UK property investment tips, Boring buy to let, UK property portfolio building, Expat landlord advice, Property Engine software, UK property sourcing tools, Property portfolio phases, UK rental property strategies, Turnkey property investment UK, Capital growth in UK property, UK expat property stories, Building a property business UK, Acquisition consolidation progression property, How to analyse UK property deals, Limited company property investment UK, Buy to let mortgages UK, UK property podcast episodes, Best UK property podcasts for expats, Passive property investing UK, UK HMO investment, Remortgaging UK buy to let, UK property performance analysis

Check out our new YouTube Channel @ExpatPropertyStory

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250

We have a tradition of going daily for Christmas. Last year, each show contained 7 takeaways

This year each one contains 3 clips from 2025.

Today’s clips:

199 How to Build a £9Million UK Property Portfolio with £300 (Dawid Dowbusz)

201 How to BRR (Kevin Wright)

203 Short Lease Extensions (Jason Patterson

2024 Xmas Season

Seven Lessons

Seven Great Clips

Seven Unreleased Clips

Seven Great Books

Seven Podcasts

Seven Characteristics

Seven Great Quotes

Seven Strategies

Seven Value Adds

Seven Capital Growth Ingredients

Seven Places with Good Fundamentals

Seven Actions

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Our Sponsors: Finnigan McNeill Property Group

Expat property investing, buy to let, UK property portfolio, hands-free investing, property sourcing, property management, Greater Manchester property, property portfolio growth, property podcasts, property investment strategies, capital growth areas, Sheffield property, HMO (House in Multiple Occupation), subletting, saving for first house, buying at discount, motivated sellers, problem property, buying below market value, estate agents, property auctions, property portals, Rightmove, off-market deals, rent-to-rent, property refurbishments, making deals stack, following up with agents, short lease properties, reliable buyers

Check out our new YouTube Channel @ExpatPropertyStory

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249

This episode features Holly Osborn and Anna Fisher who host a podcast called The Shelf Improvement Book Club which reads one book a month to help listeners develop their business and mindset.

Holly & Anna present their Top Seven self-improvement books.

They present 4 more books that didn't make the cut. One of them is one of my favourites.

The Top Seven in reverse order are:

You Are a Badass by Jen Sincero

Rich As Fuck by Amanda Frances

Good Vibes Good Life by Vex King

Rich Dad Poor Dad by Robert Kyosaki

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Our Sponsors: Finnigan McNeill Property Group

KeywordsUK property podcast, Property investing for expats, Remote UK property investment, Expat property investors, Expat property podcast, UK property investment tips, Mindset for property investors, Best self-improvement books for investors, Property investment book recommendations, Rich Dad Poor Dad review, Atomic Habits for property investors, Good Vibes Good Life book for investors, Rich as F*ck money mindset book, Business and mindset development for investors, Property investing from abroad, Shelf Improvement Book Club, UK buy-to-let remote investing, Building wealth through UK property, Top books for UK property investors, Self-improvement books for landlords, Overseas property investing in the UK, Creating wealth as an expat, Financial freedom podcast UK, Investment strategies for UK expats, UK property investment in

Check out our new YouTube Channel @ExpatPropertyStory

Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!

You are a Badass (Deluxe Edition): How to Stop Doubting Your Greatness and Start Living an Awesome Life

Rich As F*ck: More Money Than You Know What to Do With

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248

Direct to Vendor (DTV) Marketing is a great way to find deals at bargain prices with no competition.

This episode is a really deep dive into letter campaigns featuring Keith Firmin AKA DTV Keith.

Keith has accumulated a wealth of knowledge and experience in this space as his primary method of building his UK property portfolio in the North West of England with his wife, Kim.

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During the episode, we discuss:

Keywords

Check out our new YouTube Channel @ExpatPropertyStory

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247

Recent times have seen many UK property investors sitting on the sidelines or leaving the sector altogether.

But with interest rates gradually heading south, uncertainty around the Renters’ Rights Act and the recent budget also fading, perhaps now is the right time to buy.

That's the argument of this week's guest, Will Mallard

Will moved to the UK in 2017 from his native New Zealand where he started his professional career as a junior estate agent.

He’s an experienced investor and developer specialising in social housing, residential portfolios, and property trading.

He’s also the host of My Property World, a podcast with 280 episodes worth checking out.

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Our Sponsors: Finnigan McNeill Property Group

During the episode, we discuss:

· Why now might be a good time to buy UK property, considering interest rates, recent legislation, and market uncertainty.

· The impact of rising population and the proportional increase in households on property demand.

· Landlords leaving the market and how this creates opportunities for new investors.

· The dynamics of previously rented properties being sold to owner-occupiers versus landlords.

· Current challenges facing the HMO sector, including rising utility costs and inconsistent commercial valuations.

· Key risks in property investment and the importance of understanding what could go wrong.

· Where the biggest opportunities lie in buying and fixing problem properties, especially those that are initially unmortgageable.

· The effect of increased institutional investment from companies like Lloyds, Grainger, and John Lewis.

· How to prepare a property portfolio for sale, focusing on profitability, compliance, and strong leases.

· The fundamental importance of being persistent and consistent in deal-finding, including networking, following up, and tapping into unconventional sources for discounted properties.

Keywords

UK property podcast, Expat property investing UK, How to buy UK property, Property investing for expats, Social housing investment UK, UK real estate podcast, Property investment tips UK, UK buy-to-let podcast, HMO investing UK podcast, Residential property UK insights, Preparing your property portfolio for sale UK, Discounted property deals UK, Institutional investors UK property, UK property market trends podcast, UK property strategies for expats, Property trading UK podcast, Networking for UK property deals, Commercial property investing UK, Social housing vs private renting UK, UK property legislation updates podcast, Landlord tips UK, Property developer UK interview, Property podcast with Will Mallard, Expat Property Story podcast, Overseas investor UK property podcast

Check out our new YouTube Channel @ExpatPropertyStory

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246

This is a special mini-episode updating you on the long anticipated and much feared autumn UK budget in November 2025, with expert opinion fromSimon Misiewicz of Optimise Accountants Ltd

Optimise have produced more than 750 videos on their YouTube channel on all things Property Tax.

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During the episode, we discuss:

Context of the Autumn UK Budget
Actual Announcements from the UK Budget
Historical Changes Affecting UK Property Investors
Analysis of Budget Impacts on Property Investors
Broader Considerations for Expats and Cross-Border Property Ownership
Other Budget Highlights Relevant to Investors
Speculation about Future Policy Changes
Specific Budget Changes for Expats
International Tax Concepts: The Exit Tax

Keywords

UK property podcast, Expat property podcast, Property investment UK, UK property investing for expats, UK budget property implications, UK expat property investing, UK property taxes podcast, Mansion tax UK podcast, Stamp duty UK expats, UK income tax property owners, Property investing limited company UK, Section 24 landlords UK, Buy to let podcast UK, UK property tax changes 2025, UK property market podcast, Overseas property investors UK, UK property investing tips, UK tax for expats podcast, How does the UK budget affect expat property investors?, UK property investing as an expat, Best UK property podcasts for expats, Changes to UK property tax for landlords, Should expats buy UK property in a limited company?, UK property podcast Rachel Reeves budget, Autumn UK budget property impact podcast, Simon Mickiewicz UK property tax advice, UK property podcast WhatsApp group

Check out our new YouTube Channel @ExpatPropertyStory

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The average UK house price is £272,000 as this episode is released.

If you’re an overseas investor this means your Stamp Duty would be a staggering £22,640.

But what if you could legitimately avoid this charge by selling a property you don’t legally own.

Welcome to the world of Assisted Sales.

Paul Stapleton is an expert in this area, so I asked him to share his knowledge with the rest of us.

During the episode, we discuss:

Advantages of Assisted Sales Over Traditional Flips
Reverse engineering deals to maximize value
Preference for homeowner-occupier end users
Higher valuations on residential mortgages versus buy-to-let
Negotiation tactics
Traditional assisted sale model
Paul’s lower-risk assisted sale approach
Risk and Mitigation Tactics in Assisted Sales
Case Study: Real-Life Assisted Sale Deal
Working with independent agents and direct-to-vendor deals
Letting agents as key sources for off-market deals
Using online tools such as Rightmove and Property Engine
Finding Independent Agents Remotely
Managing Vendor Relationships
Sold comparables for accurate GDV
Feasibility of Assisted Sales for Remote Investors
Technology and contractor solutions for remote management (Viewber and local agents)
Outsourcing property inspections, refurbishments, and management
Collaborations, Commission Sharing, and Deal Structures
Vendor Negotiations and Objections
Common seller objections: uncertainty about sales, valuations, profit distribution
Dealing with agent “gatekeepers” and selling assisted sales concepts
Flexible deal structuring
Legal Mechanisms
Explanation of second charge and power of attorney (and why Paul avoids)

Keywords

UK property podcast, UK property investment podcast, UK expat property podcast, investing in UK property podcast, UK property investing tips podcast, property market in the UK, UK property investing for expats, overseas property investor podcast, creative property strategies UK, UK assisted sale property, landlord podcasts UK, UK property sourcing podcast, UK property flip strategy, UK property stamp duty tips, how to avoid stamp duty as an overseas investor UK, assisted sales strategy UK property, UK property market for expats, remote property investing UK tips, UK property professionalization podcast episode, buying property in the UK from abroad podcast, UK landlord regulation podcast, finding off-market property deals UK, renovating UK property for profit podcast, best UK cities for property investment podcast, Expat Property Story podcast, Paul Stapleton UK property, FMP Property Engine review, Property and Entrepreneur Summit UK, learn UK property investing, UK property investment education podcast, UK property deal sourcing tips, UK landlord expert advice podcast, expat tips for UK property investment

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Have you ever heard the word probate and not really understood what it means?

Today’s episode gives a glimpse into the distribution of property owned by someone who has passed away.

Nick Kalms set up an auction house for selling probate properties, after spending 25 years as a property trader.

He named it Probate.Auction and he was joined for the interview by his Head of Partnerships Dan Marsden.

During the episode, we discuss:

The meaning and legal process of probate
Post-Covid delays in obtaining probate
Differences between live and timed auctions, including the flexibility and increased sale rates in timed auctions post-Covid.
The role of charity legacy teams and probate lawyers as key sources of vendor referrals, and examples of charities benefiting from auction sales.
Buying probate properties at auction: always read the legal pack, especially the special conditions, and watch out for hidden or cleverly disguised fees.

Keywords

UK property podcast, UK probate property advice, Probate auction UK, Buying probate properties UK, Selling probate properties UK, UK auction property tips, Probate process UK, UK estate administration, Property investment UK podcast, Expat property UK, Special conditions auction UK, Probate legal pack UK, Property trading UK, Empty homes UK, Charity property auctions UK, Auction house UK, Guide price auction UK, Maximising value property auction, Probate property buyer UK, Estate agent vs auction UK, UK executor property sale, UK property completion times, Auction entry fee UK, British Wills and Probate Awards, UK property sales statistics, Legal pack for auction UK, Empty homes officer UK, Speedy property sale UK, Transparent property auction UK, Selling unmodernised property UK, Probate stamp duty exemption UK, Property due diligence UK, Investor property auction UK

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This episode is much more than a tale of two HMOs next door to each other just a few of minutes walk away from a large hospital in Wakefield.

It features experienced UK property investor Tom Appleton of Cali Living / Ten Equity

No. 48 is a high end 12 - bed HMO targeting doctors at the hospital.

It's been up and running with practically no voids since early 2023.

So when the chance to buy No. 50 came up, Tom didn't think twice.

He's now considering leasing his latest purchase to a provider of accommodation to newly arrived nurses from the Philippines.

But there is so much more to the episode than that.

We discuss:

· The value of Certificates of Lawful Use for HMOs and the detective work required to gather evidence for them, including statutory declarations and historical documentation.

· Transforming problematic properties through relationship-building with previous agents, local councils, and key stakeholders.

· The benefits and challenges of investing in high-end HMOs near major employers, like hospitals, and attracting professional tenants such as doctors and nurses.

· Strategies for managing tenant churn, maintaining occupancy, and ensuring steady cash flow in large HMOs.

· Exploring alternative strategies for property portfolio management: long-term leases to providers for supported living and service accommodation.

· Role of local councils in connecting investors with accommodation providers.

· Due diligence when leasing to providers: tips on vetting reliability, experience, maintenance & tenant profiles.

· Portfolio long-term planning, including keeping properties maintained and knowing when to pivot from professional HMOs to accommodation for social or supported housing.

· The importance of people and networking in property investing—from building trust with agents to nurturing council contacts, and why “who you know” is as vital as “what you know”.

Keywords

UK property investment podcast, Expat property investing UK, HMOs in UK property, Certificates of lawful use property UK, UK property portfolio building, Statutory declaration property evidence UK, Remote property investing UK, Social housing providers UK property, Supported living property investment UK, High end HMO case study UK, Council relationships UK property, Wakefield property investment, Leeds property investing tips, Long term property strategy UK, Passive income property UK, Commercial lease property UK, Due diligence property providers UK, Article 4 property area UK, Doctors and nurses HMO tenants UK, UK property renovation tips, Social housing lease agreements UK, Podcast for expat property investors, Building rapport in UK property, UK property law and planning, Certificate of lawfulness application UK

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Justin Wilkins of Property X has a YouTube channel with over 250 videos largely aimed at those making their first moves in UK property.

One of them goes by the title of: Best Property Strategy to Start as a Beginner.

That strategy is flipping.

A flip is when you buy a property, renovate it to increase its value, and then resell it for a profit as quickly as possible.

In this episode, I play deveil’s advocate to Justin!

We discuss:

Why Justin recommends Flipping for New Property Investors
Risks Associated with Flipping vs. Buy-to-Let
The Value of Hands-On Experience
Dealing with Rising Renovation Costs
Increased Competition in Property Acquisition
The Importance of Volume in Deal Flow
Managing Project Timelines and Profitability
Flexibility in Exit Strategies
Distinguishing 'Fast Pounds vs. Slow Pounds'
The Need for Balance Between Action and Analysis

Keywords

UK property podcast, UK property investing podcast, Expat property podcast, British property investment podcast, UK real estate podcast, Investing in UK property as an expat, UK property investment strategies, Property flipping UK, Buy to let advice UK, Starting in UK property investment, Beginner UK property investor tips, UK property market trends podcast, Property sourcing UK podcast, Flipping houses in the UK, Buy refurbish refinance UK podcast, UK expat real estate advice, Managing UK property from abroad, Turnkey buy to let UK, Building a property portfolio UK, First time property investor UK, Slow pounds vs fast pounds property, Property renovation costs UK 2024, UK property flips vs buy to let, UK property investing for beginners, Real estate podcast UK expats, Tips for UK overseas property investors, UK property YouTube vs Podcast, Property investment education UK, Property mentoring UK expats, UK property investment cash flow, Property market competition UK, Selling UK property as an expat, Capital growth UK property, Risk management in UK property investing, Should I start with a flip or buy to let in UK?, How do expats invest in UK property?, Is property flipping still profitable UK?, What are the risks of flipping houses UK?, UK property podcasts for beginners, How much capital do I need for UK property investment?, UK property investment in Wales and Liverpool, How long does selling a property take in the UK?

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This is a cracking episode you won't want to miss.

It features a case study of how Saif Rehan is making a potential gross profit of around 190K by:

Buying a portfolio of 6 houses from a retiring landlord

Trading 4 at auction

Reconfiguring the 5th

Developing the 6th into a 6 Bed HMO leased to a Social Provider which he can now either hold or sell.

We discuss:

· Need for supplementary income to maintain and grow property portfolios

· Importance of cash flow models

· Multiple sources of income

· Auction Pricing Strategy

· Experience of Together Finance for bridging

· Experiences with Serco and typical disputes over property condition

· Purchase of a six-house portfolio from a retiring landlor

· Tag-team strategy for maximizing portfolio deal value

· Disposal & Monetization of portfolio

· Critical importance of cash flow management

· Tension between speed, price, and certainty in property transaction

Saif Rehan on IG

Six-Property Portfolio: The Numbers

Overall Purchase:

Price: £580,000
Done up value: £900,000

Properties 1-4: Auction Trades

Property 1:
- PP 62K
- Sold: 92K
- Profit: 30K
Properties 2 & 3
- PP: 80K each
- Sold: 110K each
- Profit: 60K
Property 4
- PP: 80K
- Sold: 97K
- Profit: 17K
TOTAL profit from four auction trades: About £107,000

Property 5: Flip (Reconfigured from Two-Bed to Three-Bed)

PP: 80K
Sold for 167K
Profit 32K

Property 6: Converted to Six-Bed HMO (Social Housing)

Purchase cost: Bought for 107K
Refurb cost: 100K
Profit: 53K

Keywords
UK property podcast, Expat property investing, UK property investment strategies, Buy to let UK, Auction property UK, Investing in UK HMOs, Social housing investment UK, Flipping UK property, Property portfolio management UK, Cash flow in UK property, Property investing for expats, UK property capital growth, Oldham property market, Property trading vs holding UK, Bridging finance UK property, Property deals UK podcast, Sourcing UK property deals, Landlord exit strategy UK, Net profit property investing UK, Accountancy for property investors UK, Portfolio efficiency property UK, Social housing providers UK, Property refurb UK podcast, Property development UK podcast, Speed vs price in property deals, Edward Mellor auctions UK, Together Finance UK, HMO conversion UK

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240

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One theme that comes up consistently in conversations with expats and remote investors is the difficulty in finding trustworthy UK property partners.

People who do what they say they will do.

I’ve been approached multiple times by people wanting to sponsor this podcast and I’ve always said no.

But Darren McNeill of Finnigan McNeill Property Group (FMP) provides so much value to his clients that I’m happy to announce his company or FMP for short as our very first sponsor of Expat Property Story.

In this episode, Darren takes us through his onboarding process for clients.

During the show, we discuss:

How to Find Trustworthy UK Property Partners: Why integrity and transparency are so hard to find in the UK property sourcing world—and what makes Darren and FMP different.
FMP’s Onboarding Process for Investors: Step-by-step guidance for expats, from first contact through sourcing and securing your ideal property, with no contracts or upfront fees.
Best UK Property Locations for Yield: Honest insights into towns along the M65 corridor, from Greater Manchester to Burnley, and why price and yield trends matter.
Property Vetting & Site Visits: How FMP inspects each property, manages client expectations, and avoids “problem areas.”
Offer Process Secrets: Tips for fast-tracking your offers and impressing estate agents, plus why proofs and paperwork matter.
Deal Analysis and Growth Estimates: How Darren calculates GDVs, rental yields, growth rates, and forecasts conservatively for UK property.
Rental Guarantees & Maintenance Transparency: Why FMP offers rent guarantee insurance and direct invoicing for repairs, giving landlords peace of mind.
Managing Refurbs & Minimizing Surprises: What goes into refurbishment budgets, how to handle unexpected costs, and why FMP focuses on simpler, ready-to-let properties in today’s market.
Annual Rental Increases: The new reality for landlords in the UK—and how to keep both tenants and your portfolio happy.
Being a ‘Good Client’: Why realistic expectations and action trump waiting for a perfect deal.

Keywords

UK property, UK property investment, UK buy-to-let, UK property portfolio, investing in UK property, expat landlords, UK property management, FMP, Finnegan McNeill Property, property sourcing UK, rental yield UK, North West UK property, Manchester property investment, UK property partner, UK property portfolio for expats

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239

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Jamie Barnsley has been involved in property for nearly 20 years.

After graduating with a degree in building surveying and a masters in construction project management, Jamie Barnsley moved to Glasgow from his native Newcastle, where he met his wife.

After ten years in Scotland, and with a young family in tow, the pair moved initially to Abu Dhabi for a couple of years before making the short switch to Dubai in 2011.

In that time, they’ve invested in Scotland, London, the North East, the North West and Sri Lanka.

But it’s been far from plain sailing.

Their success has come despite massive challenges such as the Global Financial Crisis and losing £50,000 in an off-plan new build nightmare.

Listen now for the full story.

We discuss:

Jamie’s Costly Off-Plan Property Mistake
Impact on Confidence & Recovery
Taking High-Stakes Risks in Sri Lanka
Property Portfolio Diversification
Lessons in Resilience
Leveraging Local Expertise
Buy-to-Let and Holiday Lets Strategy
Remote Property Management Techniques
Jamie's two-year family sabbatical traversing the Americas
Advice for Expat Property Investors

Keywords

UK property podcast, Expat property investing, Buy to let UK, Property investment strategies UK, New build property UK, Off-plan property investment, UK expat property tips, UK property investment for expats, Property sourcing UK, Investing in North East England property, Investing in North West England property, Manchester property investment, Newcastle property investment, Glasgow property market, Burnley buy to let, Property conveyancing UK, Holiday lets UK, Overseas property investment, Sri Lanka property investment, International property investing, Diversifying property portfolio UK, Risk management property investment, UK mortgage for expats, Rental property management UK, Airbnb holiday lets UK, Dynamic pricing for holiday lets, Property sourcing agents UK, Hands-off property investment, Property refurbishment UK, Leveraged property investing, Passive income from UK property, Property investment mindset, Property investment failures and lessons, Building surveying UK, Construction project management UK, Conveyancing process UK property, Renters Rights Act UK, Guaranteed rent schemes UK, Property sources and agents UK, Property ROI UK, Buy refurbish refinance UK, Expat property WhatsApp group, UK property portfolio diversification, UK property exit strategy, UK expat property podcast community

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Dillon Dhanecha outlines how to build, scale, and exit a UK property portfolio with predictable returns while creating real social impact.

Discover how you can work directly with local authorities and supported living providers to deliver stable tenancies and cash flow, and why now is the perfect time to make the switch from traditional buy-to-let or HMO models.

In the episode, we discuss:

The shift in the private rental sector: The rise of institutional players in the private rental market and how social housing remains an open and profitable opportunity for individual investors.
Social housing spectrum: The variety within social housing—from supported living to families on council waiting lists, refugees, ex-offenders, and vulnerable individuals.
Portfolio productization: The importance of creating a standardized (productized) property portfolio with strong leases, making it attractive for institutional buyouts rather than piecemeal sales.
Exit strategies for investors: How investors can scale to 15–25 property portfolios and sell them as businesses to institutional buyers, earning not just on bricks and mortar value but also on cash flow multiples.
Opportunities beyond big government contracts: Why investors should focus on areas untouched by large providers like Serco, Mears, and Clear Springs, such as working directly with local authorities tackling temporary accommodation costs.
The economics of social housing: How local housing allowance rates are calculated, why they rise with rental markets, and real-world examples of council payment models that improve landlord cash flow.
Relationship-building with local authorities: The need for investors to approach councils and providers collaboratively, focusing on high-quality, safe housing instead of offloading subpar properties.
Practical steps to switch to social housing: Discussion on mortgages suitable for social housing, choosing properties, understanding capital values, and leveraging AI tools for geographic and property-type targeting.
Education and action: Dillon's strong recommendation to get educated about the sector, build collaboration pipelines, and use income amplification strategies before diving in, highlighting available training and resources for aspiring impact-driven landlords.

Keywords

UK property podcast,British property investing podcast,UK real estate podcast,Property investment in UK podcast,Expat property investment podcast, Expat Property Story podcast, Social housing investment UK, Investing in UK social housing, UK supported living property, Property investment for expats, UK property cash flow strategies, Build to rent UK, Institutional property investors UK, British expat property strategies, Purposeful property investing UK, Social housing providers UK, Temporary accommodation property UK, Local authority housing UK, Generational wealth UK property, Property exit strategies, UK council housing podcast, Supported living investment, Podcast for landlords UK, Property portfolio UK, Sell-to-institution property UK, Housing associations UK podcast, Void-free property investment, Maintenance-free propert

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One aspect of property investing that comes up repeatedly in my conversations with the finest minds in UK property it’s mindset.

So this week, I’ve put the best of these conversations together for a deep dive on what is arguably the most important elements of UK property investing.

Featuring:

Dawid Dowbusz
Wendy Whittaker-Large
Jake Barber
Tanya Summer
Charlie Green
Damian Hughes
Nick Smith
Oliver Adams
Richard Brown

Topics Covered:

The Truth About UK Property Investing:
Get past the “passive income from the beach” myth and hear candid stories on how hard UK property investment really is, especially for expats.
Discipline & Resilience:
Wendy Whittaker-Large and David Dovebush stress discipline, realism, and not giving up—even when things are tough or seem impossible.
Cultural Mindset & Opportunity:
Jake Barber explores the unique challenges and perspectives of UK-based investors versus their expat counterparts and highlights how a change in environment can lead to a more proactive mindset.
Overcoming Expat Obstacles:
Tanya Sommer debunks common myths about expat mortgages and emphasizes persistence, seeking the right advice, and conquering fear.
Building Trust Remotely:
Trust expert Charlie Green breaks down the dual nature of trust—how to be trustworthy as an investor and how to take smart risks on others in the property space, especially when investing from afar.
From Motivation to Habits:
Damian Hughes (High Performance Podcast) discusses why habits, not raw motivation, drive long-term success in UK property investment. Learn how to create non-negotiables and leverage both intrinsic and extrinsic motivators.
Managing Risk & Handling Setbacks:
Nick Smith offers practical strategies for anxiety: assess worst-case scenarios, learn from them, and move forward with confidence.
Bouncing Back from Failure:
Property trader Oliver Adams shares a cautionary tale of a costly mistake and his process for learning, letting go, and returning to the market stronger than ever.
Let Your Subconscious Solve Problems:
Richard Brown provides a creative mindset tip: give your subconscious a challenge before bedtime and ideate solutions while you sleep.

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KeywordsUK property, UK property investment, expat investors, remote UK property investing, property investing mindset, UK property challenges, UK expat mortgages, building trust property, property risk management, UK portfolio building, real estate mindset, overseas property investing, property investor habits, property investing resilience, UK real estate investing tips

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236

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When times are tough, it’s even more important to buy well.

No one buys better than cash buying companies.

How do they do it? This episode lifts the lid.

But this episode is not just about getting a discount.

It’s more of a microcosm of how to run a property business.

It encapsulates how to buy well, sell well and get your money working as hard and efficiently as possible throughout the process.

Jonathan Rolande is my expert guest this week.

Jonathsn is not just the founder of House Buy Fast but also the head of the National Association of Property Buyers.

During the episode, we discuss:

How Cash Buying Companies Operate: buying properties quickly for cash, particularly those with problems or that struggle to sell on the traditional market.
Types of Problem Properties: short leases, Japanese knotweed, unmortgageable conditions (missing kitchens or bathrooms), hoarding, and structural problems.
Approach to Refurbs: making properties mortgageable and appealing for re-sale.
Decision Process on Solving Problems: some properties, e.g. with subsidence, the company may sell on with full disclosure and at a reduced margin.
Common Reasons Sellers Use Cash Buyers: Surprisingly, most sellers are not in financial distress but are simply seeking certainty and speed due to life changes, repeated transaction fall-throughs, probate, or landlord exhaustion.
Holding Period and Sales Strategy: sellingmost properties within 90 days to minimize holding costs, pricing properties keenly for a quick turnaround rather than holding out for maximum profit.
Agent Selection for Resale: partnering with the best local agents, valuing strong market knowledge, sales skills, and a proactive online and community presence over just low fees.
Dealing with Tenanted and Landlord-Sold Properties: They often buy from landlords, sometimes retaining tenants or managing evictions / refurbs, especially in the current climate of landlord exits.
Pricing and Offer Calculation: Offers are typically 80–85% of market value, factoring in speed, certainty, refurbishment, stamp duty, and local sales ratios (ideally aiming for 30%+ properties under offer in the area).
Transparency and Industry Standards: following industry codes of conduct, and encourages sellers to seek reputable companies, highlighting the role of organizations like the NAPB.

Keywords

UK property podcast, UK real estate podcast, Expat property podcast, Buy-to-let podcast UK, Cash buyer property podcast, Investing in UK property podcast, Property investor podcast UK, How to buy property in the UK as an expat, UK cash buying companies explained, Property flipping podcast UK, Fast house sale podcast UK, Selling property in the UK podcast, UK property market trends podcast, Property refurbishment tips UK, UK landlord challenges podcast, Problems selling property in the UK, Selling to a cash buyer UK, Renters Rights Act impact podcast, UK auction property podcast

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How would you like to make up to £100,000 for a 6–9-month project. Sounds good right?

Kazeem Alli-Balogun is better known as Property By Kazy.

Kazy has more nearly a decade of experience transforming properties in affluent London neighborhoods like Clapham, Maida Vale, and Fulham.

Many of them were bought as one beds and reconfigured into two beds without adding to the floor space.

This episode comprehensively breaks down how you can do it too.

We discuss:

· Reconfiguring a Flat as a Value-Add Strategy: A highly profitable, evergreen property strategy, especially in high-demand London areas.

· Focus on Victorian & Edwardian Properties: These older properties, especially maisonettes with voids under the floors, are usually the best candidates for reconfiguration because they offer more layout flexibility and easier access for drainage and rewiring.

· Ideal Property Size & Condition: Target flats that are tired, in need of modernization, and typically above 600 sq. ft. Buying properties in poor condition allows for more uplift by transforming both condition and layout.

· Typical Floorplan Transformation: A common example: moving the bathroom to create two bedrooms, then making an open-plan kitchen/living space at the rear, optimizing both the layout and the light in the flat.

· Key Parameters for Reconfiguring: 3 top things to look for; property size, natural light for all habitable rooms, and viable drainage routes to support new bathrooms/kitchens.

· Cost Breakdown & Budgeting: New boilers, electrics, kitchens, windows, and highlights the importance of budgeting for both refurbishment and worst-case scenarios (like unsold property requiring rental).

· Navigating Permissions: Most of these projects involve leasehold flats, requiring a "license to alter" from freeholders. Building Regulation (Building Regs) consent is also necessary, with private building control often recommended.

· Sales & Market Strategies: When marketing the finished property, Kazi suggests pricing strategies, staging tips, and focusing on your buyer demographic. Flexibility is key—be ready to rent if sales don’t materialize, but finish to a standard fit for sale.

· Case Study Example: Brixton deal: bought at £280k (with short lease), £50–60k refurb, lease extension, and freehold purchase, all-in for about £445k. Sold at £545k—demonstrating how a reconfiguration can generate close to £100,000 profit in less than a year.

Keywords

UK property investment, London real estate, Buy-to-flip UK, UK property refurbishment, Reconfiguring flats UK, Adding value to UK property, Leasehold property London, Expat property investor, Victorian maisonette conversion, BRRR strategy UK, UK property sourcing, Property investment case study London, UK rental yields, London property market 2024

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The government seems determined to squeeze landlords dry, making returns increasingly slim.

Rising costs, complex regulations, and uncertain market conditions make property investment look more like a financial trap than a wealth-building strategy.

So is UK property still worth the hassle in 2025?

In this week's show, Mark Morris shares his opinion.

Mark Morris has been a property investor for more than 20 years.

He built an international income generating portfolio not just in his native Greater Manchester but also in Scotland, Wales and the U.S.

In the episode, we discuss:

The Impact of Regulation & Legislation
Softening Rents & Market Trends
The Role of Letting Agents
Lessons from the 2008 Financial Crisis
Pivoting to Local Housing Authority (LHA) Tenants
The Importance of Education & Mindset
Shiny Penny Syndrome & Analysis Paralysis
The Myth of Passive Incoome
Long-Term Planning & Diversification

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Keywords

UK property podcast, Expat property podcast, UK property investment podcast, Property investment UK podcast, Is UK property worth the hassle 2025, UK landlords regulation podcast, UK property market 2025, Expat investing in UK property, Property investing strategies UK, Renters Reform Bill UK podcast, Property cash flow UK, UK property capital appreciation, Section 24 UK property podcast, UK letting agent advice podcast, UK property portfolio management, LHA tenants UK property, UK property leverage podcast, UK property taxes 2025, Property wealth building UK

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Get your tickets for Property & Poppadoms Hong Kong (Tuesday September 16 2025)

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Staying in the UK Property loop has never been as important as it is today.

So, finding a community of like-minded people is crucial.

This episode taps into the knowledge and wisdom of some of the most experienced people in the business giving you all the tips and tricks you need to network like a pro.

Featuring contributions from:

Saj Husain

Danny Inman

Bronwen Vearncombe

Motiul Islam

Michelle Cairns

Lousie Brogan

James Rogers

We discuss:

Importance of UK property networking for expats
Types of property investors: DIY vs. outsourcing
Connecting with event hosts for local insights
Value of education vs. networking in property
How online events benefit remote investors
Using social media before networking events
Following up after property meetups
Building networks through platforms like LinkedIn
Issues with traditional networking event formats
Power of regular attendance and the compound effect

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KeywordsUK property podcast, UK property investment podcast, Expat property podcast, UK real estate podcast, Networking for UK property investors, Remote investing in UK property, Expat property investing advice, Property investment in the UK for expats, How to network as a UK property investor, Building a property network in the UK, Online networking for property investors UK, UK property networking events for expats, Best UK property investment podcasts 2024, Property and Poppadoms Hong Kong event, Remote property viewings UK, WhatsApp group for UK property investors, LinkedIn strategies for property investor, UK property investment for overseas investors, UK expat property networking tips, Real estate education versus networking UK, Property investment communities UK, How to find property deals UK networking, Authentic networking UK property

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232

WhatsApp group

This episode focuses on mitigating remote investing risks , particularly around viewings.

Contributions from:

from Jake Barlow, Mike Stenhouse, Adam Lawrence, Darren McNeill, Rob Dix, Steven Pardoe, Andrew Brown (#42) & (#53), Patrick Sullivan, Piotr Rusinek (#42) & (#46) & (#53) Ed Mead, Paul Fowler, Gary Neilson, Kirsty Wilson.

Goals Trust Risk 1 Risk 2

We discuss:

Remote investing Advantages
Risk mitigation
Focusing on one area
Understanding goals
2 investor types: acive/less active
DD on UK partners: references, backgrounds etc.
Viewber
Pre-qualifying properties
Physical viewings

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Keywords

remote property investing, UK property investment, expat property investors, risk mitigation, property viewings, due diligence, property partners, sourcing deals, area research, property portals, off-market deals, estate agents, boots on the ground, building relationships, tenant issues, legal packs, auction property, property inspections, structural issues, property photos analysis, renovation costs, property management, trust and references, using viewing services, investment strategy, goal setting

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231

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Giveaway from Hammered (worth £1,000)

Recent episodes have demonstrated that the UK property market is currently experiencing significant challenges.

Properties remaining unsold for months
Rising costs and reduced buyer activity
Uncertainty around the renters rights bill
The Impact of stamp duty changes and Section 24

have all contributed to traditional sales methods becoming sticky or protracted.

One solution is selling at auction. Which is what this episode is all about.

Piotr Rusinek is co-founder of Hammered, UK property auction consultants, and co-author of Before the Hammer Falls: The Insider's Guide to Property Auction Success

The Seven Tips discussed in the episode:

Tip 1: Decide if Auction is Right for You

The trade-off between speed, certainty, and price
Who should consider auction sales (motivated by speed and certainty rather than maximizing price)
Drawbacks vs. using estate agents or cash buying companies

Tip 2: The Right Property Type for Auction

Auction suitability for distressed properties
Projects and properties requiring refurb
Less suitable for owner-occupiers

Tip 3: Selecting the Right Auction House

Not all auction houses fit all asset types
Importance of auctioneer’s buyer database / marketing focus
Risks of choosing wrong auction house
Benefit of professional guidance (e.g. Hammered)

Tip 4: Creating Buyer Excitement and Showing Value-Add Potential

Showcase development opportunities (extensions, loft conversions, etc.)
Photographs, floor plans, CGI
Subtly indicating potential to let buyers feel they discovered it themselves

Tip 5: Setting a Low Reserve Price

The importance of a low reserve for driving competition and excitement
Balancing risk and reward with reserve price strategy
Reserve price recommendations (~70-75% of market value)
How emotional bidding can drive prices up beyond trader expectations

Tip 6: Preparing a Bulletproof Legal Pack and Using Auction-Savvy Solicitors

Comprehensive legal pack
Auction-savvy solicitors
Timing legal pack uploads (not too early / too late)
High-quality property photos / marketing materials

Tip 7: Embracing the Auction Cycle

Understanding auction cycle
Interpreting buyer activity, pre-auction offers, and data analytics
Dealing with properties that don't sell

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230

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Do you invest in Houses of Multiple Occupation?

Have you thought about investing in HMOs?

Are you still thinking of investing in HMOs?

This is the most up to date appraisal of the HMO market you’ll find anywhere.

Richard Nicholls knows A LOT about HMOs.

He's the leading HMO valuation and sales expert in the UK

Richard has just started the very first auction house dedicated exclusively to HMOs so I had to invite him on to tell us about HMO X.

During the episode, we discuss:

Evolution of the HMO Market: Major milestones affecting HMOs over recent years include the Liz Truss budget, Covid, changes in lending practices, cost of living increases, and multiple government policy shifts, all of which have reshaped how HMOs are valued and traded.

Current Market Challenges: making it harder for new entrants and casual investors.

The Fading BRR Model: The once-popular Buy, Refurbish, Refinance (BRR) model for 5-6 bed HMOs is becoming unviable due to increased acquisition and refurbishment costs combined with lower refinancing outcomes.

Shifts in Supply and Demand: There’s an uptick in poorly prepared HMOs hitting the market while high-quality, ready-made HMOs are attracting new types of buyers who are willing to leave in more capital for yield stability.

Rental Price Trends: Boutique, high-end HMO rents surged post-pandemic but are now stabilizing as those premium features become the new market norm. There’s no expectation for rent spikes in the next year or so, but they remain at elevated levels compared to pre-pandemic.

Exit Strategies & HMO X: The UK’s first auction house dedicated solely to HMOs

Selling & Valuation Advice: Selling a boutique or newly developed HMO straight away isn’t always profitable, especially if it was over-spec’d or over-leveraged. Proper valuation, realistic expectations, and medium-term planning are crucial.

Social Housing Considerations: Transitioning HMOs to social housing use is not a value-adding strategy. It’s essential to ensure compliance with mortgage terms and insurance.

· Keys to Success Now: Professionalization is essential—landlords need to optimize their properties, closely manage running costs, maintain high standards, and focus sharply on tenant demand to maintain margins and avoid pitfalls in a tougher, more regulated market.

Keywords

HMO market, houses of multiple occupation, HMO valuation, HMO auctions, HMO X, UK property investment, remote property investors, Liz Truss budget, post-Covid property market, HMO lending, overseas HMO investors, capital gains tax landlords, stamp duty surcharge, buy-to-let alternatives, BRR model, commercial to residential conversion, Article 4 direction, gross yield HMOs, boutique HMOs, rent roll, HMO exit strategies, property health check, tenant demand assessment, new build HMO premium, property maintenance, social housing leases, Serco/ Mears/ Clea rsprings, mortgage compliance, legal pack for HMOs, energy efficiency in H

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229

You’ve probably heard lots of people in UK Property talking about creative strategies such as Vendor Finance, Control Now Buy Later or Exchange with Delayed Completion.

Maybe you're a little sceptical about the true potential of these lesser known property tools, particularly as an overseas, remote investor.

In this week's show,, I talk to Motiul Islam a seasoned property investor with over 20 years of experience, known for his transparency, willingness to share knowledge, and problem-solving approach to property investment.

Motiul takes us through a deal he's doing in Doncaster which involves buying a multi-unit freehold block, title splitting, planning gain, exchange with delayed completion and commercial finance.

During the episode, among other things, we discuss:

Creative Property Strategies: vendor finance, exchange with delayed completion and purchase lease options.
Investing in London vs. the North: Motiul explains why traditional buy-to-let doesn’t work well in London due to low yields / high costs, but “forcing” capital appreciation through developments can be lucrative down south.
Adding Value in Property Deals: Side extensions, loft conversions, and title splits to add value and increase returns in more expensive regions.
Cost Barriers in London Development: Financial hurdles facing small developers including high material/labour costs, Stamp Duty, Community Infrastructure Levy (CIL), and Section 106 (affordable housing) contributions.
Finding Property Deals through Networking: Networking as the primary way to source deals, with referrals, joint ventures, and people bringing opportunities.
Title Splitting Example: Motiul breaks down a real-life deal in Doncaster, where a block of flats was purchased on an Exchange with Delayed Completion with plans for title splitting, refurbishments, and lease creation—resulting in significant uplift in property value.
Lease Options & Vendor Finance Realities: Misconceptions about these strategies. They are always about solving the vendor’s problem—not quick, easy fixes for investors.
Remote Investing as an Expat: How feasible these strategies are for remote investors, including the importance of viewing properties (personally or via trusted contacts/companies).
Tenant Issues & Evictions: Motiul shares a challenging experience with a problematic tenant in a London HMO and the eviction process, emphasizing the unpredictable, human side of property management.
Networking & Mindset Advice: not just to find deals but to learn, support others, and solve problems.

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Keywords

UK property, UK property investment, London property investment, creative property investing, vendor finance UK, purchase lease options UK, exchange with delayed completion, adding value property, title splitting, expat property investors, UK buy-to-let, networking UK property, property strategies UK, landlord advice UK, problem tenants UK, PPN Stratford, investing in London property

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How to recognize, enhance, and then extract the values from UK property?

That’s the question we’d all like an answer to, right?

This episode will give you some ideas.

Patricia Ogunfeibo is is a solicitor turned full time property professional professional.

Patricia is the host of the podcast Maximising Property Values

And the author of 'Be Prepared: Renters' Rights & Residential Landlords in UK'

During the episode, we discuss Patricia's purchase of a two-bedroom London flat.

How she is enhancing the value by adding en suites and unique features, before refinancing to extract all her funds.

And how her ultimate aim is to acquire the upstairs flat and freehold.

We discuss:

Creative Strategies: buying, enhancing, and either renting or selling, leveraging creativity.
Case Study – Lewisham Flat: A real-life example of purchasing and improving a 2 bed flat, including upgrading both bedrooms to en suites and creating a standalone cloakroom to make the property stand out.
Maximising Rental Potential: Tailoring property features (e.g., en suites, extra toilet) to appeal to specific renters, resulting in above-average monthly rents.
Unlocking Further Value: Plans to buy the flat above and the building’s freehold, aiming to develop the garden plot—potentially securing planning permission to sell to a developer.
Managing Risks & Returns: Extracting all the invested money from a property while keeping it to rent.
Challenges in Valuations
Evolving Strategies: The need for a mindset shift given today’s market dynamics

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Keywords

UK property podcast, Expat property investing UK, UK buy to let podcast, Remote UK property investment, UK property strategies podcast, Expat Property Story podcast, UK real estate podcast, Maximising property value UK, UK compliance property law, Renters Rights Bill UK, Property data UK, Creative property development UK, UK property enhancement tips, How to add value to UK property, UK property valuation podcast, Lewisham property investing, Freehold vs leasehold UK explained, Buy to let London podcast, HMO strategies UK 2025, Article 4 area property investing, UK property market 2025, UK property compliance guide, Best property investment podcasts UK, Podcast for overseas UK investors, Strategic property investment UK, UK property renovations podcast, Podcast with Patricia Ogunfeibo, Property Data tool review UK, UK planning permission podcast, Renters Rights Act compliance UK, Tips for UK expat investors, Property Data UK review, Rightmove property search podcast, Zoopla property investing tips, Property Engine discount code expat, UK auction property tips podcast, Property investing for expats UK, Property podcast for remote investors, UK landlord podcast 2025

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It’s a dangerous time to be uninformed as a UK property investor

There's the imminent advent of the Renters’ Rights Act.

The much mooted changes to EPC regulations,

Not to mention the mounting speculation over the need for large tax rises to cover the multibillion-pound shortfall in public finances.

So where does this all leave you as a UK property investor.

This episode will help you decide as I talk to Graham Kinnear.

In a career spanning four decades, Graham has turned his hand to most sectors of the industry.

Among other things, he’s an Associate of the Royal Institution of Chartered Surveyors, a Chartered Building Engineer, Chartered Construction Manager and an expert in anything and everything to do with Party Walls.

He undertakes Building surveys, fire risk assessments property dispute resolution and energy surveys.

And of course , he’s a property investor.

During the episode, we discuss:

· Current Market Conditions

· Landlord Profitability Challenges

· Impact of Pending Legislation

· HMO (House in Multiple Occupation) Trends

· Supply & Demand Paradox

· Concerns About EPC Upgrades

· Skepticism Over Government Targets

· Investment Strategies for Expats

· Creative Deal Sourcing

· Long-Term Property Outlook

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Keywords

UK property podcast, Expat Property Story podcast, UK property investment podcast, British property market podcast, UK housing market podcast, UK buy to let podcast, Remote investing in UK property, Property investment for expats, UK buy-to-let advice podcast, HMO property investing UK, UK property market trends, UK rental property podcast, Expat landlord guidance UK, UK property expert interviews, UK property investor tips, UK Renters Rights Act, UK EPC regulation changes, UK property tax changes podcast, Clause 24 property implications, Stamp duty advice UK, UK HMO market trends, Single let property UK, UK property cashflow strategies, UK property portfolio advice, UK property cycle, Investing in Kent property, Norfolk buy-to-let market, County Durham property market UK, Property as retirement income UK, UK pension alternatives property, UK property yields, High yield property UK, UK property planning permission delays, Converting commercial to residential UK, Creative property investing UK, Buy to let creative strategies UK

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The UK property landscape is undergoing massive changes in 2025.

This is NOT an episode you can afford to miss.

Ryan Heaven is consultant solicitor at Woodstock Legal Services.

He's a Landlord and Tenant specialist, who describes himself as the Swiss Army knife of the Private rental sector.

Ryan has specific expertise in evictions. In this episode, he’s giving us an update on the Renters’ Rights Bill.

In the episode, we discuss:

All Tenancies To Become Periodic: Fixed term tenancies will be abolished—existing and new tenancies to roll onto periodic contracts.
Section 21 Notices Removed: Landlords evicting tenants using no-fault Section 21 notices will end, with increased reliance on an updated Section 8 process including new and expanded grounds for possession.
Introduction of New Possession Grounds: (and some existing ones amended) for eviction under Section 8—including landlords wanting to sell the property / move back in themselves—but with stricter restrictions / penalties.
Tenant Notice Periods and Airbnb Concerns: Tenants will be able to give two months’ notice at any time, raising landlord concerns about potential abuse of short-term stays/subletting.
Rent Increase Rules Tightened: Rent increases can now only be done via Section 13 notices, which must give at least 2 months’ notice. Greater incentive for tenants to challenge increases via tribunals.
Court and Tribunal Backlogs Expected: Increasing tribunal cases may create bottlenecks
New Rules on Pets and Advance Rent
Timeline and Uncertainty: While the bill is close to becoming law (Royal Assent possibly by July), likely between October 2024 and January 2025, with a notice period for landlords to adapt.

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Keywords

UK property podcast, UK landlord podcast, Expat property investment, UK property investment podcast, Remote property investing UK, Renters Rights Bill podcast UK, UK rental market podcast, Buy-to-let podcast UK, Updates on Renters Rights act UK, Property law for UK landlords, UK eviction process podcast, Section 21 abolished UK, Section 8 notice explained, How to evict tenants UK podcast, Changes to UK tenancy law 2024, Renting property as an expat UK, Legal tips for UK landlords, Periodic tenancies explained, Rent increase process UK, New grounds for eviction UK, UK property legislation updates, Letting agent advice UK, Expat landlord legal advice, Landlords and pets UK law, UK property tribunal insights, Rent repayment order explained, Landlord compliance UK, Advice for overseas UK landlords, Expat landlord podcast, Investing in UK property from abroad, Podcast for remote property managers, Property management tips UK, Labour renters reform 2024 UK, Property investment during legislative change, Staying compliant as a UK landlord, Opportunities in UK property market 2024, Navigating rental reforms UK

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225

Do you know your bitumen from your Bressummer Beams? Your helical bars from your horizontal beds? Or your cavity walls from your crack monitoring studs?

This week, we fill one more gap in the back catalogue with a deep dive into all things structural.

Paul Fowler is a surveyor with 20 years experience and a particular interest in subsidence.

We discuss:

· Key Warning Signs Outside the Property:
Start your property viewing before leaving the car! Find out how cracks and distortions on surrounding buildings can indicate (or rule out) costly issues like subsidence.

· How Trees Affect UK Properties:
Learn why trees, especially on clay soils, cause 60–85% of UK subsidence claims—and when removing a tree might create a bigger problem called ‘heave.’

· Roof and Damp Risks:
Discover why replacing slate with concrete roof tiles can cause ‘roof spread,’ how to identify potential damp issues from outside, and what the damp proof course should look like.

· Crack Types (and When to Worry!):
Paul breaks down different cracks: harmless thermal movement and decoration cracks, versus those diagonal cracks (especially wider at the top around doors and windows) that could signal structural movement or subsidence.

· Inside Inspection:
Tips for checking the loft for spray foam insulation (a growing problem for mortgage lenders), identifying asbestos, and what cracks inside the house actually mean.

· Crack Monitoring & Insurance:
How surveyors track structural movement using crack-monitoring studs, when to involve insurers, and what coverage is typical for UK property owners—including excess amounts and exclusions.

· Renovation and Remediation Costs:
From simple repairs to advanced underpinning or resin injection, get a sense of what fixing serious structural problems might cost—and why these issues can represent a genuine opportunity for savvy investors.

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Keywords

Property viewing tips UK, UK buy-to-let investment, UK property insurance tips, How to spot subsidence UK, Common structural problems UK houses, Bay window subsidence UK, Bressamer beam UK explanation, UK property cracks what to look for, Heave vs subsidence UK, Dealing with damp in UK property, Roof spread in UK houses, Spray foam insulation UK warning, Asbestos in UK homes, Underpinning cost UK, Helical bars for UK property, UK property maintenance podcast, UK property surveyor advice, Investment property red flags UK, Street view for property checks UK, Expat property story

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224

Sometimes you’ve gotta zig while others zag. If you follow the herd, then you’ll get average results.

By going with the flow, you increase your competition.

So while the North West of England is hugely competitive right now, just a hop, skip and a jump across the Irish Sea in Belfast, you could pick up a two or three bed city centre house for just £140,000.

And a gross rental income north of £900 a month.

So if you’re looking for a location with a lower entry point AND a healthy dose of Capital Growth, this is the episode for you.

Eimear Gourley is is the go-to expert on Northern Ireland Property.

AKA NI Property Girl, Eimear discusses:

why Northern Ireland is overlooked by property investors.
the dual UK/Irish identity and its impact on property regulations and investing.
Belfast property prices, rental yields, and capital growth opportunities.
key legislative differences between Northern Ireland and mainland UK.
the lack of easily accessible sold price data and how it shapes the market.
the best areas to invest in Northern Ireland and local investment strategies.
challenges for expat investors and typical deal structures in Belfast.

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Keywords:

Northern Ireland property investment, Expat property investment UK, Belfast property market 2024, Buy-to-let Northern Ireland, Investing in Belfast real estate,
UK property investment for expats, Rental yields Belfast 2024,
Capital growth Northern Ireland, Best places to invest in Northern Ireland, Northern Ireland vs England property, Expat buy-to-let mortgage Northern Ireland, Property sourcing Northern Ireland, Property market analysis Belfast, Bangor property investment, East Belfast property hotspots, Northern Ireland rental market, Service accommodation Belfast, Buy refurbish refinance Belfast, Limited company buy-to-let Northern Ireland, UK property investment podcast, First-time expat property investor, Property portfolio Northern Ireland, Ireland vs Northern Ireland property investment, UK remote property investing, Land registry Northern Ireland sold prices, Property Pal Belfast listings, Stamp duty Northern Ireland, Council tax (rates) Northern Ireland landlords, Challenges of buy-to-let in Northern Ireland, Commercial to residential conversion NI,

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223

EPC knowledge represents the ultimate difference between UK property survival or total business collapse.

Understanding the changes to Energy Performance Certificates is absolutely critical.

EPCs are actually a bigger deal than the renters rights bill.

Make sure you listen to the end of the show for the actions you need to take to make sure you’re not caught out.

And, for the opportunites that all of this could create.

This episode leans heavily on content from The Independent Landlord's website and YouTube

In this episode:

EPC Changes Looming: All rental properties to achieve a minimum C by 2030 (2028 for new tenancies).
Massive Financial Impact: The collective cost to landlords for meeting these new EPC requirements is estimated at £36 billion (upgrade costs capped at £15,000 per property)
Flaws in the Current EPC System: The present system criticized for its subjectivity and questionable accuracy, prompting a complete overhaul of assessment methodology from 2026.
Shift from Cost to Carbon: EPC assessments will transition from being based on energy cost to focusing on fabric performance, heating system efficiency, and “smart readiness,” aligned with the UK’s net zero emissions goal by 2050.
Shortage of Skilled Tradespeople: shortage estimated at 500,000 over the next 5 years, potentially rising retrofit costs.
Limited Exemptions and Grants: While listed buildings are exempt, grants like the Energy Company Obligation and Warmer Homes Scheme are available, subject to strict eligibility criteria.
Advice for Landlords: Landlords should get new EPCs for high Cs before 2026, focus on fabric upgrades (insulation / windows). Avoid major changes eg new boilers until regulations clearer.
Increasing Professionalisation: “Accidental” landlords encouraged to exit paving the way for larger or more professional investors.
Opportunities Amid Challenges: Professional, forward-thinking landlords who invest in compliance and improvements may benefit from less competition.
Practical Action Steps

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Keywords

UK property investment, Energy Performance Certificate UK, EPC changes 2025, EPC requirements for landlords, EPC rating C UK, EPC cost for landlords, Landlord legal requirements UK, EPC upgrades UK 2028, Net zero property UK, Private rental sector regulations UK, Renters Rights Bill UK, UK landlord costs 2025, Energy efficiency grants UK, Retrofit skills shortage UK, Minimum energy efficiency standard UK, EPC assessment process, Expat landlord UK, Property market trends UK 2025, UK, Professional landlord UK tips, Green mortgages UK, Boiler Upgrade Scheme UK, Insulation grants for landlords UK, Institutional landlords UK, Accidental landlord regulations UK, UK property compliance checklist, EPC strategy for landlords, UK property future-proofing

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222

Choosing the right location for an HMO is crucial.

You need primary locations where tenant demand is strong.

But these are often in Article 4 areas. Most are overpriced.

In this episode, we reveal the secret sauce to getting an HMO in an Article 4 area.

Tristan Gordon of Zebra Invest is the perfect person to talk about HMOs.

He helps landlords navigate the complexities of regulations through his company HMO Compliant

We discuss:

HMO Locations: The importance of selecting strong-demand locations for HMOs, often in Article 4 areas where supply is limited and values are higher.
Article 4: a planning regulation adopted by councils to control HMO conversions in certain areas.
HMO Demand/Supply Imbalance: Operating within Article 4 areas can be lucrative due to lower competition, despite higher perceived barriers.
The 10% Rule
HMO Registers vs Planning
Grandfather Rights & Lawful Development Certificates (CLUs) to prove continuous HMO use and get planning.
Gathering Evidence for CLUs: Tenancy agreements, rental income proof / letting agent records / electoral rolls / sworn affidavits.
Dangers of Unproven HMOs: Buying HMOs without proper planning = fewer mortgage options / lower value.
Direct to Vendor Marketing: Handwritten leaflets / targeted data analysis / timing
Use of Data Tools: Combining EPC / sales data / HMO registers to find sellers.
"Sandwiching": restriction of properties adjacent to existing HMOs
Certificates of Lawful Use (Existing & Proposed): for regularising historic use and for establishing intended use, for selling / refinancing.
Incremental HMO Planning: Increasing HMO sizes step by step e.g. from 6 to 7+ beds)
Detective skills: Public records, planning portals, Trace Genie — persistence and smart data gathering can give you an edge.

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Tristan's YouTube Channel

Keywords

Expat property investment, UK property investing, HMO investing UK, Article 4 HMO, Remote property investing, Buying HMOs Article 4, UK property for expats, Direct to vendor marketing property, HMO license vs planning permission, Certificate of Lawful Use HMO, Grandfather rights HMO UK, How to find motivated property sellers, HMO compliance UK, Article 4 area property strategy, HMO planning application tips, Sourcing HMOs for expats, HMO property valuation Article 4, UK electoral roll for property investment, British Library electoral data property research, Trace Genie property owner search, Creative property sourcing UK, Freehold ground rent UK, Planning permission increase HMO occupancy, Brand/Name Keywords, HMO Compliant company, Sui generis HMO planning, Rent to rent HMOs UK, C3 to C4 conversion UK, HMO council rules UK

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221

Some people in UK property prefer to buy flats. Some people prefer houses.

Where do your preferences lie? Is your preference the same now as a few years ago?

This episode takes you through the advantages and disadvantages of both property types to bring your knowledge on this topic up to date.

By the end of the show, you’ll have a better idea of where you stand in 2025: Flats or Houses.

Overview of seven advantages of houses over flats:
- Greater control as a freeholder versus leaseholder.
- Increased security and privacy.
- More development potential (extensions, lofts, HMOs, or conversion to flats!)
- Longer tenancy periods (attracting families who stay longer).
- Potential for capital growth, especially for certain house types and locations.
- More exit strategies and easier resale due to broader market demand.
- Summary of flats’ disadvantages (e.g. lease issues, service charges, noise, cladding).
Overview of seven advantages of flats over houses:
- Lower entry cost, making it easier to get started in property investment.
- Potentially higher yields based on lower purchase prices.
- Flats may currently be undervalued, creating possible buying opportunities.
- City centre locations, which attract short-term lets and service accommodation.
- Lower maintenance costs and more predictable expenses (thanks to service charges).
- Less active management required, often attracting expats and remote investors.
- Summary of houses’ disadvantages (higher costs, more active management required).
Analysis of regional price gaps and factors such as cladding, COVID, and city living trends.
Reminder that choosing between houses and flats depends on investment goals and location-specific research.
Mention of other strategies and market opportunities, like lease extensions and commercial auctions.
Conclusion: Investors don’t have to choose one or the other—consider diversification, understand local markets, and aim for a balance between cash flow and capital growth.

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Keywords:

UK property investment, flats vs houses, leasehold vs freehold, property control, property privacy, development potential, tenant turnover, rental yields, capital growth, exit strategies, property maintenance costs, city centre property, service charges, ground rent, cladding issues, property management, remote property investing, expat investors, HMO properties, property appreciation, property location, property diversification, cash flow, property auctions, short lease extensions, property market trends, investment goals, off-plan developments, new build flats, property value gap

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220

This episode explores how Matt, a Singapore-based expat, got started in UK property.

You’ll see the steps he took, the challenges he faced and lessons he learned.

You’ll get to see the detail behind the three deals he’s done so far: two buy to lets and one HMO.

During the episode, we discuss:

· Choosing Property over Stocks: Matt found stocks and shares less predictable and exciting, preferring the tangible, long-term benefits of UK property.

· Partnership with his builder Brother-in-law in the UK: leveraging complementary skills.

· Setting Up a Joint Venture: Challenges around residency, lender requirements, and shareholder splits.

· Company Structure and Lender Preferences: Limiting Matt’s share to 19% (under the 20% threshold for mortgages) maximized their mortgage options.

· Shareholder Agreement: They established a basic shareholder agreement (even using ChatGPT!) and took tax/accountancy advice to protect both sides and cover contingencies.

· 1st Deal—Buy-to-Let in Birmingham: Their debut property was a terraced house fully renovated by the brother-in-law—bought with cash, got rented quickly, but had modest ROI (~8%).

· 2nd Deal— Buy-to-Let: Boughton same street, similar renovation, lower purchase price, higher ROI (~20%).

· 3ed Deal— 5-bed HMO Project: Purchased via pre-auction offer, converted with all en-suites, targeting professional tenants.

· Navigating HMO Regulations: Matt emphasized the importance of understanding fire, safety, and local council HMO rules, leveraging an architect for compliance.

· Finance and Valuation Strategies: The HMO refinance options included commercial, hybrid, and bricks-and-mortar valuations—each affecting how much capital could be recycled.

· ROCE Comparison of Single Let Vs Hmo: Despite their HMO generating higher monthly cash flow, their standard single lets delivered a much healthier ROCE (Return on Capital Employed) of around 20%, while the HMO project achieved just under 9% ROCE,

· Challenges as an Expat: Communication issues (time zones, local contacts), UK call centre frustrations.

· Lessons Learned: the dangers of overanalyzing, the value of taking early action, and being flexible with deal expectations to maintain momentum.

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Exclusive Property Enginediscounts (Code: EXPAT)Starter package: 30 day trial instead of the usual 14
Pro package 30 day trial, then 3 months 1/2 price

Ultimate package launches that will be the same, 1/2 price for 3 months

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Keywords

UK property investment, expat property investing, buy to let, HMO investment, joint venture property, property portfolio, Singapore expat, UK mortgages for expats, remote property investing, property partnership, limited company for property, shareholder agreement, property renovation, Birmingham propert

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219

Finding trustworthy people to work with is probably the biggest challenge facing remote investors of UK Property.

Charles H Greenis the author of The Trusted Advisorand founder of Trusted Advisors Associates.

He has been exploring, researching and advising on TRUST for more than 25 years.

Few people on the planet know as much about the topic of trust as Charlie.

We discuss:

Two sides of trust: Trust involves both being trustworthy and being willing to trust others. You have to focus on both.
Reciprocity drives trust: Trust is often reciprocal—when you show trust, others are more likely to trust you in return.
Taking risks is necessary: You can’t build trust without taking some level of risk. Playing it safe all the time leads nowhere.
Transactional relationships hinder deep trust: Approaching interactions as one-off transactions limits the potential for strong, trust-based relationships.
Intelligent risk is key: Trusting everyone is naïve, but starting with a default of intelligent trust (and waiting to be disproven) opens more doors.
Practical actions matter: Demonstrate transparency and be willing to admit when you don’t know the answer—it builds credibility and trust.
The Trust Equation: Trustworthiness = (Credibility + Reliability + Intimacy) / Self-Orientation. Intimacy (emotional safety) is the strongest factor.
Self-orientation reduces trust: The more you’re focused on yourself (nervous, self-absorbed), the less trustworthy you seem.
Women and older people appear more trustworthy: Data from Charlie’s Trust Quotient (TQ) self-assessment shows women outperform men on intimacy, and trustworthiness increases with age.
Listening is crucial: True listening (to make others feel heard, not just to collect info) initiates and strengthens trust.
Building trust can be rapid: Trust doesn’t necessarily take years—it can be established quickly through genuine, meaningful interactions.
Trust-creation process: The key steps are: engaging, listening, framing (posing hypotheses), envisioning, and committing.
Institutional vs. personal trust: Institutional trust is “thin” and relies on reputation and track records; personal trust is “thick” and more emotionally nuanced.
Testing and mitigating trust: Responsible due diligence is important, but one of the best ways to assess someone’s trustworthiness is to trust them first in small ways and see how they respond.

This episode is the sequel to #215 Don't Know Who to Trust in UK Property?

I'd Like Help With Setting My Goals

Exclusive Property Enginediscounts (Code: EXPAT)Starter package: 30 day trial instead of the usual 14
Pro package 30 day trial, then 3 months 1/2 price

Ultimate package launches that will be the same, 1/2 price for 3 months

Leave a reviewJoin our WhatsApp group / access 37 Question Due Diligence Checklist / 23 Step Guide to Buying Property at AuctionInstagram

Keywords

trust, UK property investing, remote investing, expat investors, finding trustworthy people, The Trusted Advisor, trust equati

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218

Are you thinking of buying your first UK investment property?

Have you had enough of the UK and are thinking of leaving for pastures new and becoming an expat?

Are you perhaps scared to take the leap and are looking for a little inspiration?

Are you wondering what it would all look like for YOU?

These are just some of the questions that this week’s show will get you thinking about.

Tanya Summer's family moved to Dubai in 2022 following her husband's long-standing dream to teach in the city.

Initially, her husband and eldest moved in August 2022, while Tanya remained in the UK with her younger son,due to a recent promotion and her father's health.

Like many expats, their move overseas allowed them to turn their family home into a buy-to-let and get their Expat Property Story started.

Property & Poppadoms Hong Kong Launch

During the episode, we discuss:

Overcoming skepticism and fear of risk from others
Transition from family home to buy-to-let investment in Tamworth
Investment in a Welsh Holiday Let/Serviced Accommodation
Dual-purpose purchase: own use vs. holiday letting for income
Problems with void periods (especially winter)
Mortgage considerations—higher rates for holiday lets
Managing and Operating the Holiday Let Remotely
Selection and experiences with managing agents (e.g., Sykes Cottages)
High commission, poor performance, and financial losses
Transition to self-management and improved outcomes
Cleaning and local keyholder arrangements
Issues with local tradespeople availability
Using Airbnb, Booking.com, Vrbo, and other booking platforms
Strategies for increasing direct bookings (e.g., Stayfi, QR codes, Wi-Fi codes)
Compliance with changing platform rules (e.g., Airbnb messaging policies)
Financial and Regulatory Challenges Specific to Welsh Holiday Lets
High council tax for second homes (up to 300%)
Stringent business rates qualification—requirement for 182 days’ occupancy
Comparison of Buy-to-Let vs. Holiday Let Strategies
Self-management vs. using agents—costs, involvement, and control
Difficulty finding trustworthy local partners for property management and maintenance
Importance of monitoring local property markets
Benefits of local market knowledge
Investment in Dubai vs. further UK investments
Maintaining openness to opportunities as they arise

I'd Like Help With Setting My Goals

Exclusive Property Enginediscounts (Code: EXPAT)Starter package: 30 day trial instead of the usual 14
Pro package 30 day trial, then 3 months 1/2 price

Ultimate package launches that will be the same, 1/2 price for 3 months

Leave a reviewJoin our WhatsApp group / access 37 Question Due Diligence Checklist / 23 Step Guide to Buying Property at AuctionInstagram

Keywords

UK property investment, expat property investing, buy to let, holiday let, serviced accommodation, property portfolio, property management, self managing properties, property in Tamworth, property in Wales, Dubai property investment, property networking Hong Kong, mortgage rates, holiday let mortgage, void periods, remote property management, cleaning and maintenance, Airbnb management, Book

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217

Have you thought about flipping UK property to make some cash?

Have you thought about buying a property to flip via the so-called modern method of auction using companies like I Am Sold?

Have you wondered how to buy a property at discount without having to build relationships with lots and lots of estate agents in your chosen location?

Well, if you thought about any of these three questions before then this episode is for you.

And if you’ve thought about all three, then you’re in for a treat!

Simon Duckworth of Triangle Property Solutionsactively sources and renovates properties for profit.

With extensive experience in the auction space, Simon has developed a very strategic approach to property investment.

We discuss:

· Buy 3, sell 2, keep 1 strategy

· Overview of traditional auctions

· Overview of Modern Method

· Tracking properties through multiple auction cycles / price reductions

· Watching listings for signs of seller motivation

· Step-by-Step Process of a flip listed on I am Sold

· Probate properties / SDLT

· The “no offer offer”

· Importance of timing and repeated engagement through auction cycles

· Refurb contingency

· Conveyancing timelines

· Selling strategy: price setting, agent selection, market testing

· Differences in pricing strategy between corporate and family-run agents

· Holding / selling costs

· Risks / challenges in Flips

· Risks: time overruns, market sentiment, refurb estimates

· Tips for Successful Flipping

· Need for organization / tracking

· Testing market prices / negotiation: “Say No Twice” strategy

· Buffers (refurb AND time)

· Maximizing Profit and Market Adaptation

· Expectations (profit / timelines)

· Adapting to slower / fluctuating markets.

· Lessons from HMO Challenges: Regulatory Headaches

· Simon’s near disaster with a large HMO project due to neighbor complaints.

Free Deal Clinic

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Keywords

UK property flipping, modern method of auction, I am sold, property discounts, estate agents, investing capital, buy to flip, auction property sourcing, flipping strategies, property renovation, HMO investment, property refurb costs, auction cycle tracking, probate property, stamp duty savings, reservation fee, online property auctions, property market sentiment, conveyancing delays, property holding costs, selling strategies, estate agent negotiation, real estate CRM, flips vs

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216

One of the biggest challenges as a remote investor in UK Property is finding a property to buy from the other side of the world.

Many expats, nomads and foreign nationals turn to property sourcers to find a deal.

But this episode shows you there’s nothing to stop you doing it yourself.

Gary Gayner lives and works in Abu Dhabi.

He set up his own sourcing business after an unsatisfactory experience with a sourcer.

During the episode, we discuss:

Sourcing methods: direct-to-vendor marketing (Facebook, Google Ads), relationships with landlords / letting agents
Importance of rapport-building: phone calls, in-person meetings during UK trips
The value of boots on the ground
Why off-market deals offer better discounts
Motivated seller dynamics and the importance of understanding seller situations
Using sold price comparables, not asking prices, for accurate valuations
The need for balanced and transparent analysis
Comparing Leeds and Manchester for investment potential
Investing in Leeds
Self-sourcing vs. using a sourcer: assessing your own time, energy, and experience
Advice for vetting sourcers: checking for compliance, redress scheme membership, and client feedback
Using PropertyEngine for deal filtering and due diligence around comparables
Reverse-engineering your search via target letting agents
Importance of always making offers and following up,
Due diligence essentials if using a sourcer: compliance, track record, client references

Get in Touch

I'd Like Help With Setting My Goals

Leave a reviewJoin our WhatsApp group / access 37 Question Due Diligence Checklist / 23 Step Guide to Buying Property at AuctionInstagram

Keywords

remote UK property investment, expat property investing, property sourcing, property deal sourcing, UK buy-to-let, building estate agent relationships, off-market property deals, Manchester property, Leeds property, Wakefield property, West Yorkshire property, capital appreciation, rental yield, turnkey property service, property education courses, property mentorship, due diligence, letting agents, property portfolio building, property comparables, sold price vs asking price, motivated sellers, property valuation, networking events UK, remote relationship building, property management, property market research, sourcing agent compliance, direct to vendor marketing, passive income property

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215

As a remote investor in UK property, you can't easily visit the UK.

So you have to depend on UK-based partners for everything.

When things go wrong, fixing them from afar is way more challenging than for local investors.

So we’ve assembled some of the finest minds in UK property for perhaps the most important topic in property:

Rod Turner Akhil Patel Alicia Barlow Julian Maurice Damian Hughes Michael Cheek Rob Dix Jim Pittman Richard Brown Adam Lawrence Sean the Property Tax Accountant Dean PropSourcer Stuart Ball Dan Patient

Managing Risk Part 1 & Part 2

We discuss:

The connection between trust and risk
Charles H. Green's Trust Equation
Credibility / Reliability / Intimacy / Self-orientation (negative virtue)
Recap of 300K lost in a joint venture deal
Meeting in person
Incremental relationship building
Pitfalls of Reviews
Issues with online review sites such as Trustpilot:
Trust But Verify: Due Diligence
Reducing Risk / Testing Trustworthiness
Early Detection of Poor Partnerships
Parallel Partners to Maintain Leverage
Crumb Method
Due Diligence: on Companies House
Property Sourcers

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Keywords: expat property investment, UK property, remote investing, trust, risk management, due diligence, power team, property sourcer, letting agents, property management, joint venture property, self-orientation, verification, Companies House, mortgage broker, property mentor, trustpilot reviews, property scams, compliance checks

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214

Is it really possible to make that much money in such a relatively short space of time?

It can definitely be done, but to do it like this week’s guest, Oliver Adams, you’ll need knowledge, experience as well as the right mindset.

And you’ll have to work like a Trojan.

And, if you listen till the end, you’ll see how things can really unravel when misfortunes and disasters compound.

You won't want to miss this one!

In the episode, we discuss:

Details on first property trade
Balancing profitable, break-even, and loss-making deals
Handling periods of higher loss ratios
A typical deal
Seller motivations
Pricing negotiations based on quick cash offers and the seller’s emotional state
Process from Acquisition to Sale
Hands-on approach: self-performing initial property clear-outs, cleaning & minor maintenance
Gradual shift to contracting out more tasks to save time
Sales Strategy/Auction Tactics
Preference for quick 2-week completions: smaller profits for faster capital recycling
Low reserve prices to stimulate interest
Trade-offs between profit maximization and deal volume
Valuation Approach and Market Analysis
EIG (Essential Information Group) and Rightmove
Strict eight-week cycle for turnover
Opinion on limited value of data
Auction outcome variation
On-market Vs off-market / Seller psychology
Deal Sourcing Strategies
Mindset
The shift from hands-on control to leveraging contractors for efficiency and global flexibility
Recommendations for expats or remote investors:
Recovering / Learning from Failure
Example of a high-loss deal: compounding misfortunes
The emotional and strategic process of recovery: analyzing what went wrong, learning (e.g., construction type, local sentiment), and mentally moving on
The psychological need to keep trading and not let losses inhibit future risk-taking

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Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our NewsletterFollow Us on InstagramWhat's the one thing you’re struggling with in UK property

Where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Sat of month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Weds of month from 7pm)

Singapore: The Providore VivoCity (1st Sat of month from 10:30 am)

Keywords

volume property trading, UK property auctions, remote property investing, expat property investment, property flipping, property sourcers, off-market deals, auction reserve prices, risk management in property, mindset for investors, property refurbishments, bridging finance, property trading companies, stamp duty exemptions, due diligence, market value assessment, property profit margins, loss recovery strategies, seller sentiment, auction completion times, portfolio growth, subcontracting property work, property clearance, motivated sellers, non-standard construction, auction buyer psychology, sourcing property leads, estate agent valuations, property trading business model

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213

In this episode, we look at seven reasons why you might want to pick Houses of Multiple Occupancy (HMOs), and seven reasons why you might choose Standard Buy to Lets as your strategy.

By the end of the episode, you can come to your own conclusion as to which is best for you.

Reasons to Choose HMOs

Higher Yields
- Main reason for choosing HMOs
- Potential income comparison with Single Lets
Demand
- Supply vs. demand in the HMO market
- Factors contributing to demand: rising property prices, energy costs, population changes
Niche Opportunities
- Target tenant types: students, professionals, medical students, etc.
- Social housing and supported living HMOs
Replacing Your Income
- Motivations for choosing HMOs over secure jobs
- Financial aspirations and goals
Reducing Risk of Voids
- Comparison of void risks between HMOs and Single Lets
Commercial Valuations
- Explanation of valuation differences between residential and commercial
- Importance of working with knowledgeable brokers
Cash Flow
- Importance of cash flow in real estate investments

Reasons to Choose Single Lets

Simplicity
- Easier management and less conflict
- Simpler tenant management
- Broader market for selling properties
Good for Beginners
- Less stress and complexity for first-time investors
Lower Risk
- Risks associated with HMOs compared to Single Lets
Finance
- Lower lending costs
- Management costs and property maintenance
Time Efficiency
- Less time needed for buying, refurbishing, and tenant management
Less Market Volatility
- Fewer fluctuations affecting Single Lets
Capital Growth
- Characteristics of properties that appreciate over time

I'd Like Help With Setting My Goals

Where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Sat of month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Weds of month from 7pm)

Singapore: The Providore VivoCity (1st Sat of month from 10:30 am)

Keywords

Single Lets, HMOs, UK property investment, remote investor, higher yields, property strategy, rental income, demand and supply, housing market, property investor, rental properties, English Housing Survey, property prices, single tenant, property management, cash flow, income replacement, market volatility, capital growth, property finance, risk management, real estate investment, property appreciation, UK housing ladder, residential property, commercial valuation, property portfolio, remote property management, buy to let.

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212

Have you bought or thought about buying a UK property at auction?

Maybe you’re put off because you don’t know your way around a legal pack?

Or you don’t trust yourself to spot outrageous hidden fees.

Or you’re just reluctant to pay a solicitor hundreds of pounds to review a deal that you might not even buy.

In this episode, we present an alternative solution.

Jade Shrubsole has made it her mission to increase transparency in the auctions and is set to revolutionise the space with her new company Docuwise.

Docuwise is AI for reviewing auction legal packs.

In the episode, we discuss:

· Difficulties in understanding legal packs

· Concerns about hidden fees by sellers

· The evolution of auction services / software

· Docuwise as an AI tool for summarizing complex legal documents

· Transparency in auction transactions

· How DocuWise integrates with EIG’s Auction Passport service

· The benefits for auctioneers

· Solicitors' workload and high costs affecting auction transactions

· Examples of auction pitfalls due to unread legal packs

· The capability of handling complex documents like commercial leases

· Bulk purchase options for regular auction buyers

· Importance of the DocuWise button as a signal for transparency

· Examples of how DocuWise has highlighted hidden fees

· Real-life use cases showing DocuWise's impact on auction transparency

I'd Like Help With Setting My Goals

Where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Sat of month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Weds of month from 7pm)

Singapore: The Providore VivoCity (1st Sat of month from 10:30 am)

Keywords

Expat UK property investment, Buying UK property remotely, UK property auctions, Legal packs for UK property, DocuWise auction review, Remote UK real estate investment, UK property for expats, AI for property auctions, UK property legal document review, Investing in UK property from abroad, UK property auction tip, Hidden fees in property auctions, Reviewing UK auction packs, Digital nomad UK property investment, Expat property buying guide, UK property investment challenges, Exploring UK property auctions, Streamlining UK auction purchases, UK auction legal packs, UK expat property podcast, Buying UK property at auction, Transparency in property auctions, UK property auction solutions, Efficient property research, Avoiding surprises in auctions, UK real estate for digital nomads, Auction property investment, Auction detective skills, Expat buying property UK, Remote auction property purchase

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211

This week, we show you how to buy, refurbish and refinance with speed and efficiency.

Kirsty and Gary from Ormad Properties have been buying mostly two or three bed terraced houses in and around Leeds.

They both had a property each when they first met and soon bought a third one together in 2014.

But in 2020, they decided to scale their portfolio which now contains 23 properties, 20 of which are single lets and three Serviced Accommodation.

Their business model relies on volume.

They aim at turning projects around in around 8 to 10 weeks in order to recycle as much of their funds as possible.

During the episode, we discuss:

o Importance of time and efficiency in property investment.

o Their focus on low risk, volume, and quick project turnaround.

o Importance of having a plan before property acquisition.

o Lining up tradespeople and efficient scheduling.

o Building relationships with tradespeople.

o Importance of reliable and communicative trades over cost.

o Importance of understanding property photos beyond decor.

o Using Google Street View as a tool for checking property and area details.

o Assessing property condition from photos

o Internal Property Inspection Tips

o Key factors to inspect internally, particularly structural and utility aspects.

o Signs of necessary repairs, especially electrical and plumbing.

o Modernizing kitchens and bathrooms as part of a cost-effective renovation.

o The balance between speed and quality in project completion.

o Utilizing past project data to inform budget and timeline for new projects.

o Advantages of buying properties at auctions for speed.

o Strategic approach to bidding at auctions.

o Pre-auction and post-auction buying techniques.

o Discussion on the refinancing process and common delays.

o Importance of starting refinancing before project completion.

o Decision factors for choosing lenders and mortgage brokers.

o The criteria Kirsty and Gary use to determine a good deal.

I'd Like Help With Setting My Goals

Where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Sat of month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Weds of month from 7pm)

Singapore: The Providore VivoCity (1st Sat of month from 10:30 am)

Keywords

Buy refurbish refinance, BRR projects, Property investment, Remote investors, UK property, Single lets, Serviced accommodation, Property portfolio, Refinance process, Project management, Bridging finance, Auction properties, Trade team, Renovation efficiency, Property valuation, Tenant agreements, Mortgage broker, Crime rates, Google Street View, Property photos, Renovation costs, Project timeline, Rental income, Tenant screening, Property surveys, EICR certification, Pla

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210

Most people invest in UK property because of its Long-term potential for capital growth

If you’re an expat, foreign national or any other kind of remote investor, then you probably tend to prefer strategies that require less hands-on management.

Unless you have friends or family in your chosen investment patch, then you’re going to need to work with people on the ground.

Despite what people will tell you, this is not passive investment.

Even if you find a turnkey UK property partner, you need to understand as much about the sourcing and refurb process to make sure you are getting a good deal

This episode is here to help you do just that.

Romanian born George Samoila provides a turnkey service for remote investors looking to invest in Manchester.

During the episode, we discuss:

Advantages of buy-to-let properties, particularly three-bed semis
Property Sourcing and Working with Agents
Sourcing methods: on-market, off-market, auctions, and partnerships
Timeframes and hurdles in building agent relationships
Preference for properties requiring minimal refurbishment
Analysis of buying with cash versus mortgages
Market conditions affecting property availability
Importance of using sold subject to contract prices for valuation
Challenges with land registry delays
Tips for validating comparables and using agent insights
Managing Refurbishments for Remote Investors
Ensuring transparency and verification in refurb costs
Using level two Homebuyers Reports
Communication and monitoring of refurbishment progress
New feature: property disasters
Example of a social housing provider going bust
Lessons learned from provider failures and importance of diversification
Diversification

I'd Like Help With Setting My Goals

Where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Sat of month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Weds of month from 7pm)

Singapore: The Providore VivoCity (1st Sat of month from 10:30 am)

Keywords

UK property investing, expat investors, remote investing, capital growth, turnkey service, property sourcing, Manchester property, buy to let, HMO, property refurbishing, mortgage, property management, capital appreciation, real estate strategies, property comparables, project management, long-term investment, property portfolio, social housing, level two homebuyers report, property disasters, property auctions, bridging finance, financial diversification, property conveyancing, rental yields, property location, refurbishment costs, property value, real estate due diligence.

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209

Damian Hughes, co-host of the High Performance podcast returns for the second half of our interview.

Last week, in Episode 208, we talked about how to create a culture for your organiasation, whether that's just you and a couple of others, or a huge organisation.

This week's show is mostly about Mindset.

Damian answers the question of how to motivate yourself on the days when you're not quite at the races.

During the episode, we discuss:

o Importance of mindset for expats with a side hustle

o Discussion on how motivation can fluctuate and the importance of habits.

o Reference to James Clear's idea that you fall to the level of your habits.

o Difference between extrinsic and intrinsic motivation.

o Use of autonomy, mastery, and belonging in maintaining motivation.

o Olympic swimmer Adam Peaty and his commitment to winning.

o CEO Toto Wolff and the complexity of happiness vs. performance.

o Contentment and inner peace as alternatives to happiness

o How individuals define their own high performance and happiness.

o The difference between high performance and world-class performance.

o Emotional Literacy and Self-awareness

o Envy vs. jealousy.

o Discussion on the importance of recognizing when to pivot and change goals.

o Reference to Muhammad Ali’s long career and the role of one's support circle.

o Ideal housemates: Brian Keenan, Eric Cantona, and his father.

o Top books for mindset: Jonathan Haidt, Steve Biddulph, James Clear.

o Importance of environment and community in achieving success.

I'd Like Help With Setting My Goals

Where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Sat of month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Weds of month from 7pm)

Singapore: The Providore VivoCity (1st Sat of month from 10:30 am)

Keywords

Expat Property, Property Portfolio, UK Property Market, Building Portfolio, Property Investment, Real Estate Strategies, UK Property Investments, Expat Property Story, Property Success, High Performance Mindset, Portfolio Growth, Property Recruitment, Real Estate Motivation, UK Real Estate, Property Expert Tips, Investment Setbacks, Property Goals, Mindset for Success, Real Estate Achievements, UK Property Guide, Property Resilience, Investment Skills, Real Estate Habits, Motivational Property Tips, UK Property Opportunities, Property Network, Financial Goals, Real Estate Support, Expat Investment Advice, Property Lifestyle

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208

As co-host of The High Performance Podcast, Damian Hughes has interviewed some of the highest achieving people on the planet.

From Richard Branson to Emily Maitliss to Arnold Shwarznegger. From Gordon Ramsay to Dame Kelly Holmes to Sir Keir Starmer.

So he must have learned a thing or two on the way.

Damian started his change management consultancy Liquid Thinker practice while still working for a global multinational.

He knows what it's like to start a side-hustle while woking full-time.

This episode is about finding your purpose, your drive and following your true passion.

It’s about side hustling, recruitment, and creating a culture for your organisation, whether it’s just you and one or two others or a big enterprise.

It’s about achievement, ambition, and ultimately, it’s about high performance.

It's an episode you CAN'T miss!

During the episode, we discuss:

· Damian's Story with Unilever

· Transition to starting a side hustle leading to Liquid Thinker

· Passion & purpose

· Different definitions of High Performance

· Advice for busy expats with side hustles

· Ikigai

· Side hustling

· His dad's community work

· School Coat charity

· ‘The Barcelona Way’

· Principles of FC Barcelona’s culture and team dynamics

· Recruitment / building culture

· Balancing speed and collaboration

· ‘The Dickhead Test’

· SAFE acronym for successful environments:

S: Status

A: Autonomy

F: Friendship Groups

E: Equality

· Focusing on successes for confidence and improvement

· Research findings on how to analyze past experiences effectively

I'd Like Help With Setting My Goals

Where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Sat of month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Weds of month from 7pm)

Singapore: The Providore VivoCity (1st Sat of month from 10:30 am)

Keywords
Expat property investment, recruitment, side hustle, culture, business consultancy, elite performance, teamwork, change management, remote investors, UK property, expat lifestyle, entrepreneurship, financial independence, passion, purpose, organizational culture, company values, psychological safety, mental resilience, personal growth, success analysis, corporate world, mindset, ambition, career transition, work-life balance, professional development, podcasting, personal branding, property portfolio.

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207

it’s never too late to take a step back and reassess what you have, where you are and what might come next.

And that’s the purpose of this week’s show featuring Vicki Wusche who takes us through the three phases of UK property portfolio building:

Acquisition

Consolidation

Development

Vicki first appeared on EPS all the way back in Episode 5

During the episode, we discuss:

· Acquisition phase focusing on buying properties.

· Consolidation phase focusing on assessing property performance.

· Development phase: expanding / redefining property-related activities.

· Options for further development or transition, such as sourcing business.

· The importance of creating systems for ease of management and expansion.

· Tenant Referencing Challenges:

· Importance of understanding the referencing process.

· Need for upskilling letting agents to handle referencing.

· Misconception about landlords competing with residential buyers.

· Importance of holding nerve in competitive pricing.

· Emphasis on reverse engineering property stories and exit strategy.

· Analyzing property performance for continuous improvement.

· Consideration of what owning a portfolio in later years entails.

· Considerations for involving children in property management interests.

· Discussion on passing on or consolidating a portfolio.

· The significance of discussing property investment with children early on.

· Descriptions of dealing with landlord and property issues.

· Importance of solving problems with properties for better management

· Vicky's Personal Portfolio Strategies:

· Discussion on loan to value considerations.

I'd Like Help With Setting My Goals

Where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Sat of month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Weds of month from 7pm)

Singapore: The Providore VivoCity (1st Sat of month from 10:30 am)

Keywords

UK property portfolio, acquisition phase, consolidation phase, progression phase, property investment, financial resilience, building a property portfolio, renters rights bill, letting agent, referencing process, fake documents, property regulation, property resilience, competitive property market, estate agents, property investment strategy, landlord skills, National Residential Landlords Association, buy-to-let, HMO properties, property exit strategy, limited companies, property growth, property stabilization, portfolio analysis, remortgage strategy, property

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206

It’s often said in property that you make your money at the point of purchase.

If you’re serious about building a property portfolio then you need to be trying to buy at wholesale rather than retail prices.

But if you don’t want to pay someone to find deals for you, then you should at least use the resources that sourcers themselves use.

Property Engine is the go-to property portal of choice for many sourcers.

I signed up for a two-week trial and was so impressed that I invited founder Jamie Greeff onto the show to tell us all about it.

Jamie is generously offering 50% off the first month for Expat Property Story listeners.

All you need to do is to use the code EXPAT when you click on the link in the show notes.

During the episode we discuss:

o Jamie’s background and inspiration for PropertyEngine

o Target Audience

o Affordable pricing and market appeal

o Development of PropertyEngine

o Features of PropertyEngine

o Comparison with competitors

o Customizable strategies for users

o Unique data points and performance

o Package differences and potential future additions

o Examples of unique user strategies

o Testimonials on data reliability and customer satisfaction

o Flexibility and Customization Power

o Ability for users to integrate existing workflows

o Discussion of unique customer cases and satisfied clients

o Importance of creativity in property investing

o Time-saving features of PropertyEngine

I'd Like Help With Setting My Goals

Where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Sat of month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Weds of month from 7pm)

Singapore: The Providore VivoCity (1st Sat of month from 10:30 am)

Keywords

Expat Property Story, property portfolio, wholesale prices, retail prices, discounted deals, ROI, Property Engine, Property Filter, Prop Saucer, Jamie Greef, UK property, remote investors, motivated sellers, deal analyzer, property engine features, property sourcing, investment strategies, property data, market trends, UK property investment, sourcing business, property deals, property filters, property engine pricing, sourcing pipeline, property licensing, direct to vendor letters, property analysis, property comparables, expat property investment.

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205

If you’re not in a hurry to replace your income and you’re looking for long-term capital growth, then your good old fashioned single let is the easiest route to long-term wealth with minimum effort.

So if you’re a busy expat looking to build a UK portfolio with as little stress as possible, but with a good long-term return on your investment, then you won’t want to miss this week’s show.

Returning guest Darren McNeill of FMP Property Group first appeared back in Episode 74: Why You Should Keep a Journal.

In this episode, Darren explains why Buy to Let is not just alive & kicking in the North West, but thriving.

And Darren is offereing a £500 discount on his sourcing fee for the first 5 lucky listeners to get in touch.

During the episode, we discuss:

Why buy-to-let isn't dead
Buy-to-lets vs. HMOs and serviced accommodations
The simplicity and long-term benefits of BTL
Benefits of investing in FMP’s area around Rawtenstall and Rossendale Valley
Capital growth data indicating strong performance
Explanation of market demand and affordability in that region
Example of a successful property investment
Refurbishment details and capital appreciation over time
Explanation of turnkey properties
Market demand, property inquiries, and buyer types
Impact of pricing and best and final offer situations
FMP’s Business Operations
Overview of the sourcing, renovation, and property business growth.
Structure of FMPincluding subcontractors and partners.
Refurb project management and timelines.
Challenges in Property Sourcing
The role of estate agents and the frustrations involved.
Example of dream clients based in Canada.
Discussion on purchase prices and client expectations.
Caution against cost of lost opportunity.
Importance of simple strategies for expats.
Exclusive offer for podcast listeners.

I'd Like Help With Setting My Goals

Where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Sat of month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Weds of month from 7pm)

Singapore: The Providore VivoCity (1st Sat of month from 10:30 am)

Keywords

Expat Property Guy, buy to let, capital growth, UK portfolio, single let, podcast, real estate investment, UK Property Investor, Darren MacNeil, Property Hub forum, portfolio building, expat investing, low risk investment, turnkey property, refinancing, long term strategy, property sourcing, UK property market, Rossendale, Lancashire, real estate strategies, property renovation, Manchester property market, rental income, capital appreciation, BRR method, limited company, property sourcing service, remote investors, real estate challenges, expat property story.

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204

Bricks and mortar don’t come cheap.

Your own funds can only take you so far.

I’m sure you’ve heard lots of people talking about working with private investors.

But how do you go about finding them.

In a nutshell, you need to market yourself.

In this week’s show, we’re joined by Louise Jowsey.

Louise has over 20 years' marketing experience gained in real estate, financial services, media and retail sectors so she’s well placed and qualified to provide strategic AND tactical Marketing for small, ambitious property businesses.

In this episode, we discuss:

The 3 key traits needed for successful marketing: Customer-centric, Consistency, and Clarity
The importance of understanding your target audience
How to identify your customer base by examining your own background, strengths, and story
The significance of listening to potential clients to understand their pain points and needs
The need for consistency in marketing efforts
Messaging frameworks in marketing (typically 8-10 core messages)
Compliance when marketing to private investors, especially regarding FCA regulations
The concept of brand archetypes based on 12 core human desires
How to use AI tools like ChatGPT effectively by incorporating brand strategy and tone of voice
The importance of aligning personal and business brands for authenticity
The "11-7-4 rule" for building trust (11 hours, 7 separate occasions, 4 different places)
Louise's background in education and her charitable work in Cambodia
How to develop a distinct tone of voice that matches your brand values and target audience

Louise's Charity in Cambodia

The 12 Brand Archetypes

I'd Like Help With Setting My Goals

Where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Sat of month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Weds of month from 7pm)

Singapore: The Providore VivoCity (1st Sat of month from 10:30 am)

Keywords

UK property resource, property investors, private investors, marketing campaign, customer centric, consistency, clarity, direct to vendor marketing, customer insights, niche marketing, target audience, customer avatar, pain points, customer needs, customer goals, marketing strategy, features and benefits, tone of voice, brand archetypes, messaging framework, social media engagement, property portfolio growth, financial services compliance, FCA compliance, AI tools, Chat GPT, marketing training program, customer research, business strengths, networking events.

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203

Buying a leasehold property with less than 80 years left on the lease offers savvy investors the opportunity to add value and force the appreciation in a short timeframe.

This allows you to potentially recycle your cash and turbo charge the growth of your portfolio.

Short lease extensions are equally powerful whether you’re trading for a quick profit or holding for cashflow.

And if you can combine lease extensions with other value adding strategies such as BRR (Buy Refurbish, Refinance) and reconfiguring properties to add more bedrooms, then you can make some serious cash.

Jason Patterson, is a seasoned property investor with over 23 years of experience in UK property.

He built his portfolio from a standing start, from money saved from his job stacking shelves in Sainsbury’s in Camden, North London.

In total, Jason worked at Sainsbury’s for 11 years, and as a side hustle, he almost accidentally focused on leasehold properties with short leases, a niche that would later earn him his nickname as the Short Lease King.

During the episode, we discuss:

o Benefits of purchasing properties with short leases

o Explanation of what constitutes a short lease

o Impact on property value and mortgageability

o Sweet Spot for Short Leases

o Discussion on ideal lease lengths for extending

o Combining short lease strategy with mortgageability

o Steps to gather lease extension information

o Importance of contacting freeholders

o Explanation of Section 42/Leasehold Reform

o Impact of potential leasehold reforms on buying strategies

o Handling Vendor Resistance

o Challenges with uncooperative vendors

o Augmenting Short Lease Strategy with Additional Strategies

o Combining this strategy with BRR and reconfiguration

o "Triple Threat" properties

o Criteria and considerations for choosing properties

o Common mistakes new investors make

o Reasons why this strategy may suit expats

o Financial Considerations and Leasehold Reforms

o The effect of Leasehold reform

o Impact of leasehold reforms on profitability

I'd Like Help With Setting My Goals

Where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Sat of month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Weds of month from 7pm)

Singapore: The Providore VivoCity (1st Sat of month from 10:30 am)

Keywords

property investment, wholesale property, retail property, problem properties, lease extension, Short Lease King, UK property, buy refurbish refinance, refurbish properties, refinancing, property portfolio, property expertise, HMOs, property value, mortgageability, leasehold properties, leasehold reform, capital growth, dilapidated properties, leaseholder, freeholder, section 42 notice, lease extension premium, property strategies, property education, property market, rental property, property investors, leasehold surveyor, UK housing market

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202

A few months ago, after Your Property Network Magazine, more commonly known as YPN, had asked me to write an article about the story of a podcast, they asked me for an audio version to release on an App they were developing for the magazine.

So I thought you might like to hear it too!

The article was featured in the September issue of YPN, and this episode features the audio version as released on the App.

To flesh out the episode, we asked AI for the ten most important lessons from the first 200 episodes of Expat Property Story.

Listen to the episode to find out what they were.

I'd Like Help With Setting My Goals

Where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Sat of month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Weds of month from 7pm)

Singapore: The Providore VivoCity (1st Sat of month from 10:30 am)

Keywords
Expat Property Story, podcast, expat property investor, UK property, property portfolio, Chinese New Year, Philippines, operations manager, private investor, Hong Kong, property podcast, Rob Dix, Property Podcast, UK properties, overseas investors, mortgages, self employed, currency concerns, non resident factors, tax differences, limited company, property deals, student HMOs, investment patch, pension plan, real estate, narrative podcast, serviced accommodation, auctions, Derbyshire, East Midlands.

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201

UK property is a really powerful tool for growing your wealth. But to do it well, you need to buy at a discount, add value and make sensible use of leverage. One way to do this is through a concept called Buy, Refurbish & Refinance (BRR) And that’s what today’s episode is all about.

When Mortgage Express fell to pieces in the wake of the Financial Crisis, Kevin Wright devised a strategy that came as close to the concept of recycling your cash as legally possible, and that was how BRR came to be

I'd Like Help With Setting My Goals

During the episode, we discuss:

· Historical Context of BRR

· Kevin Wright's development of the BRR concept post-2008 crisis

· Sacrifice as a key trait for portfolio building

· Ready-to-rent vs. BRR

· Forcing appreciation through refurb

· Remote property management challenges

· Buying Phase

· Identifying problem properties and motivated sellers

· Tools for remote property searches

· How to buy at discount

· System Setups for Viewing Properties

· Need for consistent tracking and follow-ups

· Monthly check-ins with estate agents

· CRMs for property tracking

· Collaborating with UK-based partners for reduced mortgage rates

· Importance of boots on the ground

· Refurb Phase

· Common property issues: dilapidation, structural issues

· Reliable tradesmen and project management

· Refinancing Phase

· Expat mortgage restrictions

· Leveraging partnerships with UK residents for better rates

· Variability in lender regulations

Where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Sat of month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Weds of month from 7pm)

Singapore: The Providore VivoCity (1st Sat of month from 10:30 am)

Kevin Wright's YouTube Channel
Keywords
Expat Property Story, UK property investment, buy refurbish refinance, property finance, property investment strategy, residential property, real estate investing, Kevin Wright, property podcast, remote property investors, property renovation, property appreciation, property valuation, property market, financial crisis, Mortgage Express, leverage in property, property deal, property sourcing, property purchase process, property refurbishment, refinancing property, property financing options, expat investors, UK property market, property investment tips, property investment mistakes, property development, property portfolio building, property investment advice.

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Welcome to the 200th episode of the Expat Property Story podcast, where we've been guiding you on your property investment journey across 150 countries since early 2022.

Today, we have a special guest, Gavin Gallagher, host of the Irish property market podcast "Behind the Facade."

Join us as Gavin shares his compelling story of triumphs and setbacks, drawing from his vast experience during Ireland's Celtic Tiger boom to the crushing 2008 financial crisis.

Gavin has identified four factors that will impact your UK Property Story:

Economy
Events
Ego
Emotions

o "Four E's": Economy, Events, Ego, and Emotions

o Issues with over-leveraging and pursuit of quick profits

o Importance of discipline, patience, and emotional management

o Psychological aspects of investing

o Risks of Investing in Foreign Markets

o Currency exposure challenges, especially post-Brexit

o Gavin's experiences with property markets in Spain and New York

o Learning from successes and failures

o Overcoming ego and managing emotions in investing

o Importance of understanding market conditions

o Analyzing success and being cautious while investing internationally

o Importance of sustainability and energy performance

o Unintended consequences of policies like "rent pressure zones"

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow Us on InstagramWhat's the one thing you’re struggling with in UK property

Details of where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Saturday each month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Wednesday each month from 7pm)

Singapore: The Providore at VivoCity (1st Saturday each month from 10:30 am)

Keywords
over-leveraging, quick-profit pursuits, financial downturn, investing discipline, patience in investing, personal investment mistake, foreign markets risks, currency exposure, Brexit impact, coaching business, educational initiatives, psychological aspects of investing, instant gratification, international markets, Expat Property Story podcast, podcast growth, UK property factors, economy, external events, ego, emotions, Irish property market, property portfolio, Celtic Tiger period, financial crisis impact, policy impact, rent pressure zones, rental market, sustainability, energy performance, resilient investing.

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199

What challenges do you face building a UK property portfolio?

What excuses do you make as to why your story may have stalled?

Maybe life has got a little too comfortable for you

Maybe you need some inspiration about how much can be achieved with virtually no funds.

And little UK property knowledge.

And hardly any free time.

Dawid Dowbusz arrived in the UK with his girlfriend and just £300.

Fast forward ten years and they have built a portfolio of more than £9 Million, with dozens of properties.

If you can’t get inspiration from their story, you’ll probably find yourself in the same position at the end of this year as you do at the start.

I'd Like Help With Setting My Goals
(Download a Free Comprehensive Cheat Sheet PDF)

During the episode, we discuss:

Importance of hard work, determination, and resilience in overcoming challenges
Money saving strategies
The influence of Robert Kiyosaki's Rich Dad, Poor Dad
Attending networking meetings to gain knowledge
(BRRR) strategy
Issues with unqualified renovators in early projects
Rapid expansion of property portfolio to 56 properties
Trust issues with employees leading to financial losses
The importance of verifying work and hiring certified professionals
Balancing personal stress with expanding business responsibilities
Partnerships with wealthy investors for joint ventures
Expansion into multiple business entities including property sourcing and education
Impact of increased responsibility and stress on personal and professional life
Focus on balancing personal well-being with business growth and opportunities

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow Us on InstagramWhat's the one thing you’re struggling with in UK property

Details of where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Saturday each month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Wednesday each month from 7pm)

Singapore: The Providore at VivoCity (1st Saturday each month from 10:30 am)

Keywordsproperty investment, UK rental market, Houses in Multiple Occupation (HMO), single-let properties, property development, Scunthorpe, Sheffield, financial strategy, subletting, minimum wage jobs, buy-to-let mortgage, property renovation, networking events, expat community, joint venture, property sourcing, project management, letting agency, education company, remortgaging, rental income, certified professionals, contractor trust, Polish expat, UK property portfolio, digital nomads, remote investors, mechanical engineering, property portfolio growth, financial discipline.

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198

Over the last 11 days we’ve given you Books, Podcasts and Bonus clips;

Fundamentals, Strategies and Adjectives;

Places to look for Capital Growth and lots lots more.

We’ve given you content to get you thinking about your property story.

There’s enough information in these last eleven episodes to get your story started.

But at a certain point, it’s time to take action.

Here are seven actions for you to take to get your UK Property Story Started:

Goals: Start with clearly defined goals to guide your property investment strategy and decisions.
Education: Educate yourself using accessible resources like books, podcasts, and online communities before investing heavily in courses.
Strategy: Choose a strategy that aligns with your personal goals and circumstances, while considering the best approach for your needs.
Team: Build a reliable network or team of professionals, including agents, brokers, solicitors, and others, to support your investment journey.
Get Tax Advice: Plan and reassess your tax strategy continuously to ensure compliance and maximize returns, relevant to your evolving circumstances.
Due Diligence: Conduct thorough due diligence on potential property partners to avoid pitfalls and ensure successful collaborations.
Take Action: Emphasize taking actionable steps and maintaining momentum in your property investment journey.

Our investor list is full right now, but we'll be doing more projects in the year ahead.

Schedule a callto see if we're a good fit for each other.I'd Like Help With Setting My Goals
(Download a Free Comprehensive Cheat Sheet PDF)

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow Us on InstagramWhat's the one thing you’re struggling with in UK property

Details of where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Saturday each month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Wednesday each month from 7pm)

Singapore: The Providore at VivoCity (1st Saturday each month from 10:30 am)

KeywordsExpat Property Story, UK property goals, property investment, New Year's resolutions, determination, consistency, persistence, goal setting, property education, courses, money making machine, property strategies, HMO, commercial multiple occupancy, serviced accommodation, team building, letting agent, mortgage broker, UK expat, property tax, tax planning, due diligence, property partners, property portfolio, taking action, podcast subscription, investor list, financial health, property networking, property forums

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197

In this the penultimate show in our Daily Sevens Season celebrating the 12 days Of Xmas, we're highlighting 7 locations with great fundamentals.

Everybody’s looking for the next great place to invest.

The new Manchester, the new Liverpool, the new place with great fundamentals that will take you to property nirvana.

And while it’s possible to pick a winner with long odds, there’s a good argument for picking an option that is more guaranteed and finding a way to add value to that option.

Yesterday, we ran through 7 Factors to Follow for Capital Growth.

In today’s show we’ve taken these principles and picked and ranked seven locations with great fundamentals.

The first 6 are below. For the 7th, you'll have to listen to the end of the show!

York
: Offers consistent demand due to a large student presence and tourism sector despite high property prices.
Ipswich
: Attracts investors with affordable properties and strong rental demand, leveraging proximity to ports and good transport links.
Coventry
: A young and sizable student population and diverse employment sectors contribute to its growth potential.
Leicester
: Known for its diverse population and industrial heritage, it offers solid fundamentals and potential for property investors.
Cambridge
: Boasts high property prices but benefits from a strong population growth driven by a knowledge-based economy.
Glasgow
: Offers a robust economy and affordable entry point with strong fundamentals in population growth and employment sectors.

Population Statistics from City Population

Our investor list is full right now, but we'll be doing more projects in the year ahead.

Schedule a callto see if we're a good fit for each other.I'd Like Help With Setting My Goals
(Download a Free Comprehensive Cheat Sheet PDF)

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow Us on InstagramWhat's the one thing you’re struggling with in UK property

Details of where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Saturday each month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Wednesday each month from 7pm)

Singapore: The Providore at VivoCity (1st Saturday each month from 10:30 am)

KeywordsGrand National, horse race, UK property favorites, capital growth, population growth, infrastructure investment, job creation, changes in legislation, demographic shifts, supply and demand imbalance, barriers to entry, housing demand, housing services, property values, property investment, property Nirvana, York, Ipswich, Coventry, Leicester, Cambridge, Glasgow, Bristol, property prices, short term rentals, rental market, university, transportation links, economic development, article 4 directives.

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196

Day 10 out of 12 in our Daily Sevens Season: Evergreen content released every day to keep Christmas boredom away!

In yesterday’s show, we presented seven ways to add value to a property if you’re looking to speed up your property story.

But maybe you love your job?

In which case, your goals will be different from those looking to add value quickly.

Perhaps you’re putting your money on capital growth rather than cashflow?

But how do you make sure you choose an area that will deliver the capital appreciation you’ve identified as your goal?

Today we’re looking at ways to tilt the odds in your favour with seven ingredients for the Capital Growth Cake.

Here are the 7 ingredients:

Population Growth
: Increased population drives demand for housing, boosting capital growth.
Infrastructure Investment
: Development projects improve local economies and property values.
Job Creation
: Strong employment prospects enhance capital appreciation in the area.
Changes in Legislation
: Policy shifts can influence housing markets and property values.
Demographic Shifts
: Changes in population age or composition affect property demand.
Imbalance Between Supply and Demand
: High demand with limited supply raises property values.
Natural Barriers to Entry
: Challenges for new investors limit competition and protect value.

Population Growth

Our investor list is full right now, but we'll be doing more projects in the year ahead.

Schedule a callto see if we're a good fit for each other.I'd Like Help With Setting My Goals
(Download a Free Comprehensive Cheat Sheet PDF)

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow Us on InstagramWhat's the one thing you’re struggling with in UK property

Details of where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Saturday each month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Wednesday each month from 7pm)

Singapore: The Providore at VivoCity (1st Saturday each month from 10:30 am)

Keywordsproperty investment, capital growth, population growth, infrastructure investment, job creation, changes in legislation, demographic shifts, supply and demand, natural barriers to entry, UK property, real estate, property values, housing market, property portfolio, economic factors, rental growth, equity, refinancing, property appreciation, property strategy, market trends, property podcast, real estate podcast, property story, investment tips, property growth tips, UK housing market, planning regulations, capital appreciation, property market analysis

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195

Are you happy in your job?

Do you see yourself in the same job or the same career for the foreseeable future?

If you’re looking to replace your income, either to get out of full time employment for others or because you’re worried that your full-time employer will get rid of you, then you'll need to accelerate your property story.

For that you’ll need to look at ways to add value.

Today, we present 7 of them.

This episode is Number 9 in our Daily Sevens Series celebrating the 12 Days of Xmas.

The 7 ways to add value are:

Target up and coming areas: Focus on properties in areas with potential for capital appreciation.
Buy at discount: Purchase properties for less by negotiating directly with motivated vendors or at auctions.
Sweat the asset: Maximize property returns through efficient use, like upgrading finishes or converting into an HMO.
Development: Add value by expanding or converting properties to increase square footage.
Divide and conquer: Increase income by splitting properties into multiple units or optimizing commercial spaces.
Paper exercises: Add value through non-physical means like lease extensions or obtaining planning permission.
Sophisticated strategies: Employ advanced techniques like vendor finance or purchase lease options to add value.

Our investor list is full right now, but we'll be doing more projects in the year ahead.

Schedule a callto see if we're a good fit for each other.I'd Like Help With Setting My Goals
(Download a Free Comprehensive Cheat Sheet PDF)

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow Us on InstagramWhat's the one thing you’re struggling with in UK property

Details of where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Saturday each month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Wednesday each month from 7pm)

Singapore: The Providore at VivoCity (1st Saturday each month from 10:30 am)

KeywordsExpat Property Story, real estate investment, property portfolio, buy to let, capital growth, property story, property podcast, property fundamentals, passive income, value adding strategies, UK property market, property refinancing, forced appreciation, high interest rates, rental strategies, buy at discount, motivated vendors, property auctions, house of multiple occupancy, serviced accommodation, property extension, title splitting, property conversions, commercial property, lease extensions, planning gain, vendor finance, purchase lease options, property development, active passive continuum.

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194

Do you chase shiny pennies?

Do you get excited when you come across a new strategy to get to your UK property goals?

Or, by contrast, are you the type of person that does not get distracted and once you put your mind to something you’re laser focused?

Perhaps you haven’t decided on the best business model to get you where you want to be.

If any of this sounds familiar, then this episode is definitely for you!

Here are the Seven Strategies Discussed in the episode:

HMOs (House of Multiple Occupancy):
Renting out property rooms individually to generate higher rental income.
Serviced Accommodation (SA):
Offering short-term rentals for higher yields, with the flexibility of use and potential tax benefits.
Buy to Let (BTL):
Traditional long-term property rental for stable income and capital appreciation.
Commercial Property:
Investing in non-residential real estate for lower stamp duty and the potential for stable yields.
Flips:
Buying, renovating, and selling properties quickly for profit.
Rent to Rent:
Leasing a property long-term and renting it out short-term for cash flow without owning the property.
Paper Exercises:
Involving property transactions like lease options and title splits without physical renovation.

There is also a brief overview of:

Lease Options
REITs (Real Estate Investment Trusts)
Developing
New Build Off-Plan Developments
Title Splits
Crowdfunding
Joint Ventures (JVs)
Debt Loans

Our investor list is full right now, but we'll be doing more projects in the year ahead.

Schedule a callto see if we're a good fit for each other.How to Set and Achieve Goals for UK Property
(Download a Free Comprehensive Cheat Sheet PDF)

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow Us on InstagramWhat's the one thing you’re struggling with in UK property

Details of where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Saturday each month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Wednesday each month from 7pm)

Singapore: The Providore at VivoCity (1st Saturday each month from 10:30 am)

Keywords
Shiny pennies, UK property goals, property investing, expat property, strategies, business model, HMOs, house of multiple occupancy, student HMO, rental yields, property values, intensive management, regulations, licensing requirements, serviced accommodation, short stay tenants, capital allowances, buy to let, income stream, mortgage costs, commercial property, stamp duty, property appreciation, tenant management, lease options, REITs, property development, new build, title splits, crowdfunding.

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193

This is the 7th instalment of our Daily Sevens Season in which we're giving you seven gifts each day over the Xmas period.

Today it's quotes.

As I was trying to choose, it got too difficult to stick to seven.

So instead I picked seven themes so that I can squeeze in a couple more quotes for you.

The seven themes are:

Money
- Quote: "The only thing that money gives is the freedom of not worrying about money." - Johnny Carson
Hard Work
- Quote: "About the only thing that comes to us without effort is old age." - Gloria Pitzer
Education
- Quote: "A child educated only at school is an uneducated child." - George Santayana
Knowledge
- Quote 1: "Real knowledge is to know the extent of one's ignorance." - Confucius
- Quote 2: "To pretend to know when you do not is a disease." - Laozi
Mindset
- Quote 1: "The mind is like a parachute. It doesn't work if it's not open." - Frank Zappa
- Quote 2: "The empires of the future are the empires of the mind." - Winston Churchill
- Quote 3: "A mind that is stretched by a new experience can never go back to its old dimensions." - Oliver Wendell Holmes
Habit
- Quote: "Habit is a cable. We weave a thread of it every day, and at last, we cannot break it." - Horace Mann
Keep It Simple
- Quote: "Everything is both simpler than we imagine and more entangled than we can conceive." - Goethe

Our investor list is full right now, but we'll be doing more projects in the year ahead.

Schedule a callto see if we're a good fit for each other.I'd Like Help With Setting My Goals
(Download a Free Comprehensive Cheat Sheet PDF)

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow Us on InstagramWhat's the one thing you’re struggling with in UK property

Details of where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Saturday each month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Wednesday each month from 7pm)

Singapore: The Providore at VivoCity (1st Saturday each month from 10:30 am)

Keywordssuccess, failure, quotes, expat property, podcast, UK property portfolio, Christmas, gifts, review, money, Johnny Carson, freedom, hard work, Gloria Pitzer, property education, property courses, knowledge, Confucius, Laozi, mindset, Frank Zappa, Winston Churchill, Oliver Wendell Holmes, habits, Horace Mann, goal setting, fixed rate return, savings, investment, Goethe.

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192

**In 1937 Napoleon Hill wrote a book called Think & Grow Rich, after spending 20 years studying the lives of the most successful people of the day.

He claimed to have spoken to 500 millionaires.

It was in this spirit that we decided to run a feature called Property Adjectives from Episode 166 onwards.

The idea was that by asking each of our guests for the three traits they believe you need to succeed, we could compile a list of them for you to be a successful UK property investor too.

Today we’re showcasing seven of them.**

Gritty
- Rose Radford from Episode 174
- Consistent
- Phil Saunders from Episode 177
- Patient
- Suzi Carter from Episode 181
- Open-Minded
- Raj Beri from Episode 185
- Empathetic
- Jonathan Rolande from Episode 173
- Belligerent
- Jerry Alexander from Episode 175
- Disciplined
- Dawid Dowbusz from Episode 199

Our investor list is full right now, but we'll be doing more projects in the year ahead.

Schedule a callto see if we're a good fit for each other.I'd Like Help With Setting My Goals
(Download a Free Comprehensive Cheat Sheet PDF)

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow Us on InstagramWhat's the one thing you’re struggling with in UK property

Details of where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Saturday each month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Wednesday each month from 7pm)

Singapore: The Providore at VivoCity (1st Saturday each month from 10:30 am)

Keywords
Napoleon Hill, Think and Grow Rich, property adjectives, UK property investor, Expat Property Story, property portfolio, property investing traits, grit, consistency, patience, open mindedness, empathy, belligerence, discipline, resilience, property market, entrepreneurship, financial returns, commercial property, property deals, property success, property cycle, property investor mindset, tenant relations, property market challenges, real estate investing, property podcasts, rent-to-glamping, cash buying company, House Buy Fast.

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191

Following on from yesterday’s episode on the Seven best books I read this year, today, I have 7 podcasts for you:

The Tim Ferriss Show Featuring Seth Godin
How I Built This
Revisionist History by Malcolm Gladwell
The Blow Ins
Benjamin Hardy's Concept
Eventful Lives by Dodge Woodall
High Performance by Jake Humphreys and Damien Hughes

Listen to the show to find out how I arrived at my choice.

Our investor list is full right now, but we'll be doing more projects in the year ahead.

Schedule a callto see if we're a good fit for each other.I'd Like Help With Setting My Goals
(Download a Free Comprehensive Cheat Sheet PDF)

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow Us on InstagramWhat's the one thing you’re struggling with in UK property

Details of where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Saturday each month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Wednesday each month from 7pm)

Singapore: The Providore at VivoCity (1st Saturday each month from 10:30 am)

Keywords
Podcasts, COVID restrictions, MacBook Pro, audio interface, Seth Godin, Tim Ferriss Show, Joe Rogan experience, successful podcasting, content creation, editing interviews, UK property portfolios, resilience, persistence, problem solving, James Dyson, Malcolm Gladwell, revisionist history, true crime podcast, West Cork, French woman murder, Netflix series, Benjamin Hardy, future self, 10x achievement, eventful lives, interviewing style, Dodge Woodall, Steven Bartlett, Samuel Leeds, high performance, Damien Hughes.

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190

Do you find it difficult to choose among all the self-help, mindset and property specific books on offer?

Well I’ve read a couple of dozen books this year and have narrowed them down to seven that I’d highly recommend you to read too.

And that’s what this episode is all about.

Book 1: Atomic Habits by James Clear

o Efficient reading strategies: Skimming and selecting valuable content

o Applied lessons from the book related to goal-setting

Book 2: The Barcelona Way by Damian Hughes

o Insights from Pep Guardiola’s managerial style

o Importance of team culture and selecting the right hires

Book 3: Bounce by Matthew Syed

o Concept of deliberate practice for high performance

o Psychological factors affecting skill development

Book 4: Shoe Dog by Phil Knight

o The story of Nike’s beginnings and Phil Knight’s journey

o Themes of determination and passion driving success

Book 5: Can't Hurt Me by David Goggins

o Comparison with the consistency-focused concept from "Great by Choice"

o Balance between pushing limits and maintaining steady progress

Book 6: Hustle Harder, Hustle Smarter by Curtis Jackson

o Personal insights from rapper and entrepreneur 50 Cent

o Lessons in handling setbacks and adjusting strategies

Book 7: The Biggest Bluff by Maria Konnikova

o Exploration of decision-making and psychology through poker

o Lessons related to control and uncertainty in investing

o Concept of attributing wins to skill and losses to luck

o Stress management for property investment decision-making

Our investor list is full right now, but we'll be doing more projects in the year ahead.

Schedule a callto see if we're a good fit for each other.I'd Like Help With Setting My Goals
(Download a Free Comprehensive Cheat Sheet PDF)

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow Us on InstagramWhat's the one thing you’re struggling with in UK property

Details of where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Saturday each month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Wednesday each month from 7pm)

Singapore: The Providore at VivoCity (1st Saturday each month from 10:30 am)

Keywords
Expat Property Story, property education, self help books, mindset books, property specific books, Atomic Habits, James Clear, Barcelona Way, Damian Hughes, High Performance, Liquid Thinker, change management, sports psychologist, Pep Guardiola, FC Barcelona, Bounce, Matthew Syed, UK champion, purposeful practice, deliberate practice, Shoe Dog, Phil Knight, Nike, Just Do It, Can't Hurt Me, David Goggins, Navy SEAL, ultra endurance athlete, Hustle Harder Hustle Smarter, Curtis Jackson, 50 Cent, The Biggest Bluff, Maria Konnikova.

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189

On today’s show, we’ve prepared seven unreleased clips from previous interviews that didn’t fit into the episodes for which they were recorded but which are well worth listening to in their own right.

Clip 1: Louise Jowsey, guest in #97: How To Run a Direct to Vendor Mail Campaign RemotelyClip 2: Ruth Hunter, guest in #168:Return on ImpactClip 3: Nick Smith, guest in #164: HMOs: Article 4 or Not Article 4?

Clip 4: Latoya McDonald, guest in #93: Hiring Virtual Assistants for Your UK Property Business

Clip 5: Adam Lawrence, guest in #89: PropeNomix for Expats

Clip 6: Toby Fenn, guest in #156: An Expat with 50 HMOs

Clip 7: Julian Maurice, guest in #112: How UK Property Designers Get it Wrong
Our investor list is full right now, but we'll be doing more projects in the year ahead.

Schedule a callto see if we're a good fit for each other.I'd Like Help With Setting My Goals

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow Us on InstagramWhat's the one thing you’re struggling with in UK property

Details of where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Saturday each month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Wednesday each month from 7pm)

Singapore: The Providore at VivoCity (1st Saturday each month from 10:30 am)

Keywords
Expat property story, property podcast, expat property, UK property, property investment, property portfolio, James Clear, Atomic Habits, financial content, Grant Williams, stock market vs property, property legislation, renter's rights bill, stamp duty, Section 24, property regulations, article 4 area, HMOs, UK property market, New Zealand property, social housing, purchase lease option, lockdown property market, professional private rental sector, sustainable housing, property taxes, property trading

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188

Part 2 0f 12 in our Daily Sevens Season in which we're giving you seven gifts a day to keep you edutained over Xmas!

In this episode, I’ve chosen seven of my own favourite clips from 2024 which may pique your interest enough to check out the full episodes.

Here are links to the full episodes from which the clips were taken:

Clip 1: Fatima's Story

Why You Should Invest With Us

Clip 2: Grant Williams on Property vs. Stocks and Shares

Property Versus Stocks and Shares with Grant Williams

Clip 3: Anna Clare Harper on Regulatory Changes in Property

Sustainable UK Property Investment with Anna Clare Harper

Clip 4: Nick Smith on Article 4 Areas and HMOs

HMOs: Article 4 or Not Article 4?

Clip 5: Rose's Property Development in New Zealand

An Inspirational Expat Property Story from New Zealand

Clip 6: Phil Saunders' Success During COVID-19

Observe the Masses & Open a Holiday Let During Covid
Clip 7: Debate on Trading vs. Holding Property

Trading Versus Holding UK Property: Jay Howard Vs Adam LawrenceOur investor list is full right now, but we'll be doing more projects in the year ahead.

Schedule a callto see if we're a good fit for each other.I'd Like Help With Setting My Goals

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow Us on InstagramWhat's the one thing you’re struggling with in UK property

Details of where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Saturday each month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Wednesday each month from 7pm)

Singapore: The Providore at VivoCity (1st Saturday each month from 10:30 am)

Keywordsproperty podcast, expat property, UK property, property investment, property portfolio, James Clear, Atomic Habits, financial content, Grant Williams, stock market vs property, property legislation, renter's rights bill, stamp duty, Section 24, property regulations, article 4 area, HMOs, UK property market, social housing, purchase lease option, lockdown property market, professional private rental sector, sustainable housing, property taxes, property trading, holiday let, rent to SA, property development.

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187

This is the first instalment of a special season of daily episodes celebrating the 12 days of Christmas.

But, this content has been designed to be consumed at any time of any year!

For the next 12 days, we're giving you Seven Gifts a Day.

Today's episode is Seven lessons I learned in 2024.

In the spirit of brutal honesty, here are seven things I’ve learned in the past year:

Lessons that have come from either failure or perhaps just things that need improving…

The Seven Lessons Learned:

1: To Be More Careful at the Start
- Optimism vs. caution
- Importance of attention to detail in arrangements
- Examples of oversight with service accommodation and business partnerships
2: To Take Action Quicker
- Balance between analysis and momentum
- Reference to Benjamin Hardy’s approach
- Combining quick action with careful analysis
3: Delegation
- Importance of hiring and delegating tasks
- Hiring experience and benefits
- Onlinejobs.ph recruitment platform
4: Financial Control
- Essential for scalable property investments
- Need for detailed financial analysis beyond an accountant's role
- Example of discovering cost issues within the portfolio
5: No More Coffee in the Evenings
- Personal changes for better productivity
- Impact of evening caffeine on sleep
- Alternative: Chamomile or peppermint tea
6: To Pay More Attention to the Motivations of Others
- Understanding motivations behind advice or opinions
- Example of property commentators on stamp duty
- Awareness of potential biases
7: To Think About the IRR (Internal Rate of Return)
- Reconsideration of investment metrics
- Importance of IRR alongside ROCE (Return on Capital Employed)
- Example involving ROI and project timeline

Our investor list is full right now, but we'll be doing more projects in the year ahead.

Schedule a callto see if we're a good fit for each other.I'd Like Help With Setting My Goals

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow Us on InstagramWhat's the one thing you’re struggling with in UK property

Details of where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Saturday each month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Wednesday each month from 7pm)

Singapore: The Providore at VivoCity (1st Saturday each month from 10:30 am)

Keywords
investing tips, property investment, expat property story, Christmas podcast, business relationship, optimism in entrepreneurship, property management, service accommodation, financial control, property portfolio, management fees, hiring process, delegation, property strategies, UK property market, stamp duty, renters rights bill, interest rates, property legislation, property motivation, internal rate of return (IRR) return on capital employed (ROCE), property commentator, expat property challenges, investor list, podcast review, future planning.

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186

When most people think about investing in property they focus on everything else except the one factor that should probably be considered first: Tax planning.

Property tax specialist Neil Ryder of Property Tax 360 takes us through his Today, Tomorrow and Next week concept of tax planning.

During the episode, we discuss:

Personalized planning for unique family situations
Trade-offs between income tax and inheritance tax issues
Use of discretionary trusts
Importance of keeping estate values under £2 million
Use of Form 17 for income distribution between spouses
Creation of a property portfolio through a limited company
Strategies for tax-efficient income extraction
Issues with Director’s Loans and Interest
Complexities of Hybrid Portfolios
Incorporation and latent gains issues
Challenges of remortgaging and personal guarantees when bequeathing property
understanding latent gains
Potential minimization through group structures
Investment vs. Trading Considerations
Classification issues impacting business relief and inheritance tax
Purpose of cash reserves in trading companies
The importance of communication in succession planning
Communication and planning for efficient succession
Probate process and limited company ownership
Ownership and deed of trust for property benefits
Shareholding structures in limited companies
Returning to the UK and buying property
Impact of Primary Residence on Inheritance Tax
Nil rate band considerations
Use of shares in a limited company
Estate implications of jointly owned property by a couple
Inheritance tax concerns on "second death"
Transferability of unused allowances

We help time poor professionals get a good return on their money by investing with us. Schedule a call

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow Us on InstagramWhat's the one thing you’re struggling with in UK property

Details of where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Saturday each month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Wednesday each month from 7pm)

Singapore: The Providore at VivoCity (1st Saturday each month from 10:30 am)

Keywords
Property investment, financial decisions, incorporation, trusts, tax implications, inheritance tax, UK property, estate planning, nil rate band, residential nil rate band, joint property ownership, limited company, tax strategy, discretionary trusts, estate value, tax planning, income tax, capital gains tax, stamp duty land tax, podcast episodes, seasoned property investors, property portfolio, director's loan accounts, latent gains, self-assessment issues, HMRC audits, hybrid property holdings, remortgaging, personal guarantees, business relief, corporate structure.

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185

Buy to Let is dead! You must have heard people saying that right?

You may even have heard it on here before.

It’s been strangled it to death by inflation, higher interest rates and less than favourable legislation.

But what if I told you there’s a way to make north of £500 per month from a property costing not insignificantly more than 100K with fewer of the expenses, voids and maintenance issues that would come from an HMO?

Would you be interested?

Well, that’s what this week’s show will let you know!

Raj Beri is the co-editor of YPN magazine and has aportfolio of HMOs and single lets in Nottingham. He has been following the LHA strategy for 12 years in Nottingham and has seven properties adopting this approach. He has recently started exploring a new area for his model: Leeds.

Raj offfers training in the LHA strategy.

During the episode, we discuss:

· Definition of Local Housing Allowance (LHA).

· Emphasis on providing safe, clean accommodation for ALL

· Importance of local networks and selecting safe neighborhoods.

· LHA rates vs. rising market rents.

· Pros and Cons of the LHA Strategy:

· Importance of local partners for tenant screening.

· Model 1: HMO-like arrangement with dual tenancy benefits.

· Model 2: Family setups with separate entitlement claims.

· Implementation and Management Techniques:

· Prequalifying tenants and indirect communication.

· Managing tenant inquiries and Raj’s hybrid management model.

· Handling Universal Credit and housing benefits transition.

LHA RatesWe help time poor professionals get a good return on their money by investing with us. Schedule a call

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow Us on InstagramWhat's the one thing you’re struggling with in UK property

Details of where to meet Expat Property Investors (For FREE):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Saturday each month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Wednesday each month from 7pm)

Singapore: The Providore at VivoCity (1st Saturday each month from 10:30 am)

Keywords
LHA strategy, higher cash flow potential, universal credit details, tenant screening, buy refurbish refinance method, Raj Beri training, Renters Rights Bill, eviction process, housing benefits, direct payments, tenant withdrawal, multiple exit strategies, buy-to-let alternative, HMO-equivalent income, property maintenance, Model 1 LHA, Model 2 LHA, tenant prequalification, Gumtree advertising, Manchester vs Leeds, safe neighborhoods, hybrid property management, fixed fee management, tenancy management, local partners, rental market challenges, LHA rates, property investment strategy, remote property investment, government rental support, housing entitlements.

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184

In this week's show, we take a look at how you might look to leverage Linkedin to build your UK property portfolio.

Louise Brogan is an international speaker, trainer and all round expert on why, how and when you should be using LinkedIn in business. Her podcast Linkedin with Louise has nearly 250 episodes on the subject so she definitely knows what she’s talking about.
Linkedin Headline Examples

During the show, we discuss:

Importance of LinkedIn for UK property portfolio expansion.
Building network online and offline.
LinkedIn Profile Setup
Details about profile photo, banner image/branding.
Suggestions for consistency across team profiles.
Different Profile Sections:
"About" section focus on helping others.
Links/keywords in "Experience" section.
Display of top 5 skills.
Importance of correct profile setup for business credibility.
Use of 1st person singular (I) for personal profiles / we for Company pages
Effective posting times.
Advantage of personal profiles over company pages for conversations.
Differences in visibility between followers and connections.
Importance of authenticity, consistency and enthusiasm
Engaging with influencers/relevant audiences.
Use of LinkedIn to connect with private investors.
Engagement Through Comments.
Importance of professional conferences and forums.
Differences Between Connections and Followers
Comparison between LinkedIn and traditional email newsletters.
Recommendations for newsletter frequency.
Importance of posting frequency and engaging with content.
Word count limits and use of imagery in newsletters.

We help time poor professionals get a good return on their money by investing with us. Schedule a call

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow Us on InstagramWhat's the one thing you’re struggling with in UK property

Details of where to meet Expat Property Investors (For FREE!!!):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Saturday each month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Wednesday each month from 7pm)

Singapore: The Providore at VivoCity (1st Saturday each month from 10:30 am)

Keywords: LinkedIn profile setup, personal vs. company tone, cross-posting content, building LinkedIn network, LinkedIn private messaging, following vs. connecting, LinkedIn profile photo, LinkedIn banner image, LinkedIn consistency, authentic presence on LinkedIn, LinkedIn engagement, LinkedIn weekend posting, LinkedIn skills section, LinkedIn recommendations, creating LinkedIn content, LinkedIn storytelling, LinkedIn content strategy, LinkedIn profile mistakes, LinkedIn headline creation, online networking platforms, LinkedIn visibility, networking for property investment, LinkedIn for business growth, LinkedIn podcast promotion, LinkedIn networking strategies, LinkedIn company pages, LinkedIn comments engagement, LinkedIn connections vs. followers, LinkedIn newsletter strategy, AI in content creation.

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183

Property & Poppadoms is the fastest growing network in the UK, cooking up a storm in 27 different locations across the UK, and more to come in 2025.

In this episode, for the first time ever on a podcast, founder James Rogers shares the story of how and why he came up with the idea of putting property and curry together.

James also shares his own story from from painter and decorator to plumber to property investor and more recently as mortgage broker with 978 Finance.

In this episode, James talks about:

Education and Early Career:

Struggled in school, leaving school age 14 without qualifications.
Worked initially as a painter & decorator / door-to-door sales.
Retrained as a plumbing & heating engineer.

Health Issues and Career Shift:

Developed respiratory issues due to building site dust.
Advised to change careers.

Property Development:

Began property development in Stoke on Trent
Complications with the sale of his first property due to local violence.
Initially focused on short-term projects, then shifted to long-term goals in 2018.

Networking and Growth:

Overcame reluctance to network due to lack of formal education.
Attended property investment events and mastermind programs.

Investment Strategy:

Transition from purchasing 3 Bed semis to complex investments.
Successful conversion of 7 bed HMO in Stoke

Event Launch and Expansion:

Creation of "Property and Poppadoms."
Initial events evolved with presentations to maintain engagement.
Expanded from 2 to 29 meetings: both online and in-person formats.

Challenges and Personal Growth:

Faced personal difficulties, including family health issues, divorce, and COVID-19 impacts.
Maintaining motivation
Currently rebuilding and seeking new projects and opportunities.

We help time poor professionals get a good return on their money by investing with us. Schedule a call

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow Us on InstagramWhat's the one thing you’re struggling with in UK property

Details of where to meet Expat Property Investors (For FREE!!!):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Saturday of each month from 11:30 am)

Dubai: Holiday Inn, Science Park (1st Wednesday of each month from 7pm)

Singapore: The Providore at VivoCity (1st Saturday of each month from 10:30 am)

Keywords
property development, Stoke on Trent, property portfolio, networking events, HMO investment, UK property investment, real estate investor, bridging finance, commercial finance, property networking, financial services, personal growth, respiratory issues, long-term goals, property market, investment strategy, event launch, community support, property investing, Houses in Multiple Occupation, curry networking events, motivational growth, property meetups, renovation standards, property challenges, investment consistency.

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182

How would you like to get to a place where estate agents call you rather than you calling them?

To get into their little black book? To find yourself in a position where you can offer speed and certainty allowing you to get discounted deals.

That’s the stage Louise Smith of Braeside Property has reached in her property story and she’s here to give you tips on how you can do it too.

I want help setting and achieving my UK property goals.

During the episode, we discuss:

Traits for Successful UK Property Investors
Facing rejections and setbacks.
Persistence in pursuing deals despite challenges.
Importance of consistent effort in deal finding.
Managing communication with solicitors and builders.
Understanding numbers and financial aspects of deals.
Building a reliable team for expert advice.
Evolution of personal and business goals
Self-development paralleling business growth and supporting other women.
Selecting areas with populations of 50,000+.
Importance of knowing local areas to quickly identify deals.
Building Relationships with Estate Agents
How to speak with agents and prove yourself to establish long-term relationships.
Importance of professionalism, a confident approach and clear communication.
Necessity of following up persistently with agents on previously inquired properties.
Potential advantages of empty properties.
Experience with purchase lease options and their challenges.
Supporting women in property and mindset development.

We help time poor professionals get a good return on their money by investing with us. Schedule a call

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

Details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (first Saturday of each month from 11:30 am)

Dubai: Holiday Inn, Science Park (first Wednesday of each month from 7pm)

Singapore: The Providore at VivoCity (first Saturday of each month from 10:30 am)

Keywords
estate agents, property investing, UK property, expat property story, discounted deals, property investor, resilience, proactive, analytical, property deals, property market, self-development, mindset, remote investors, foreign nationals, property strategy, property goals, rental property, HMOs, blocks of flats, property survey, property negotiation, proof of funds, purchase lease option, repossession, property refurbishment, property location, estate agent relationships, property viewings, property network, sourcing property

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181

If you buy a 300K residential investment property in the UK after April 1st 2025, you'll pay£26,000 in stamp duty.

But if you buy a commercial property for the same price, it''' cost you just £4,500.

I’m guessing you'd like to take a closer look at commercial!

So how do you get started in this sector? Is it viable as a remote strategy? How do you go about picking an area? And what tools could you use for your desktop research?

Suzi Carter is a fully trained Chartered Surveyor with over 25 years’ experience in commercial property, first in the corporate sector with the likes of CBRE and Kingfisher and more recently as an investor in her own right, so she’s well placed to talk about today’s topic.

This week’s show will let you know!

During the show, we discuss:

Comparison of commercial property investment versus residential.
Benefits of commercial property in terms of tenant potential and rental valuation.
Importance of speaking to a broker for understanding financial capabilities.
Recommendations for research tools like Nimbus and Searchland for property assessment.
Market Trends and Opportunity Areas
Industrial properties as a rising asset class.
Importance of Amazon-proof / AI-proof businesses.
Focus on smaller towns and villages with favorable supply-demand dynamics.
Specific mention of market towns in the southeastern Midlands area.
Importance of selecting a niche based on location, property type, or personal interests.
Desktop research and understanding personal finance capacity using reliable brokers.
Recommended prop tech tools for analysis and reading local news for market insights.
Engaging with local commercial agents and establishing credibility.
Discussions on SSAS pensions for property investments.
Financing options such as bridging loans, cash, or investor finance.
Emphasis on active management to add value to investments.

We help time poor professionals get a good return on their money by investing with us. Schedule a call

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

Details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (first Saturday of each month from 11:30 am)

Dubai: Holiday Inn, Science Park (first Wednesday of each month from 7pm)

Singapore: The Providore at VivoCity (first Saturday of each month from 10:30 am)

Keywords
Commercial property investment, Susie Carter, financial capabilities, property price range, joint investments, investment areas, prop tech tools, Nimbus, Searchland, supply and demand, economic trends, Amazon-proof businesses, AI-proof businesses, industrial properties, government investment trends, renewable technologies, container self-storage, population density, market towns, southeastern Midlands, local commercial agents, tenant demand, stamp duty, tax benefits, market confidence, socioeconomics, Expat Property Story, secondary market towns, research portals, commercial property strategies, real estate investment programs.

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180

What are the repercussions of the Autumn 2024 budget for expats, property investors and those that are both!

How will it affect your tax residency, your retirement and your estate planning.

And what impact will the budget have on your investment strategy, your pension or your domicile status?

Jake BarberofSJB Global is an expat tax specialist who helps expats with their Retirement, Investment & Tax Planning.

Jake takes us through the budget and its impact on Expat Property Investors.

During the episode, we discuss:

Impact of autumn 2024 budget on expat residency, retirement, and estate planning.
Impact on individuals due to frozen tax brackets and increased taxes.
Current UK tax brackets and their implications.
Spending strategies in retirement changing due to estate tax structures.
Renters and those without assets facing disadvantages.
Increased property taxes potentially leading to higher rents.
Stamp Duty Land Tax changes and examples given.
UK domicile status now based on residency rather than origin.
Changing country/state impacts domicile status.
Effects on inheritance tax liabilities.
Non-domiciled residents' tax obligations and exemptions.
QROPS
Inheritance tax changes reducing drastic decisions.
Double taxation risk on pensions without specific schemes.
Business and agricultural property relief changes impact.
Capital gains tax rate changes and their effects on income groups.
Tax residency and investment strategy affected.
Advice on keeping assets in tax-neutral jurisdictions for expats unsure of permanent residence.
Encouragement of moving assets outside the UK for tax exemptions after 10 years abroad.
UK inheritance tax nil-rate band of £325,000.
Taxation on assets above the nil-rate band.

We help time poor professionals get a good return on their money by investing with us. Schedule a call

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

Details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (first Saturday of each month from 11:30 am)

Dubai: Holiday Inn, Science Park (first Wednesday of each month from 7pm)

Singapore: The Providore at VivoCity (first Saturday of each month from 10:30 am)

Keywords:

UK Property, UK Tax Brackets, Inheritance Tax, Capital Gains, Stamp Duty, Expat Property Investment, Domicile Status, Retirement Planning, Global Assets Tax Strategies, QROPS

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179

Trading Vs Holding UK Property.

Which do you prefer?

Which is better in terms of tax, skills required or potential returns?

Which is riskier?

What are the pros & cons of each?

What other factors do you need to consider?

This episode answers all these questions in a debate style format between:

Jay Howard, Auction Insider, co-founder of auction consultancy Hammered & co-author of Before the Hammer Falls (Second Edition Out Now!) and Serial Trader

And

Adam Lawrence, co-founder of The Boardroom Club, founder of Propenomix and holder of 500+ properties

Adam & Jay have 7 mins each to present and then 5 mins for rebuttals.

We cover

Trading vs. Holding in Property Investment
Key differences
Benefits and challenges of each strategy
Expertise and Skills Required
Risk
Property deterioration / depreciation
Market Fluctuations
Factors affecting landlords: interest rates and valuations
Tax implications / advantages of both
Holding benefits from tax exemptions / accounting losses
Importance of volume in trading transactions
Mixed strategy of trading / landlording
Landlord perceptions
Insights on non-volume trading and personal profits
Mutual Benefits of Traders / Landlords

We help time poor professionals get a good return on their money by investing with us. Schedule a call

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

Details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (first Saturday of each month from 11:30 am)

Dubai: Holiday Inn, Science Park (first Wednesday of each month from 7pm)

Singapore: The Providore at VivoCity (first Saturday of each month from 10:30 am)

Keywords
trading strategy, property investment, trading versus holding, UK property market, self-education in trading, landlord vs trader, property management costs, trading risks, Martingale strategy, property auctions, real estate investment, UK tax changes, property trading benefits, asset retention, high-risk high-reward trading, passive income, tax efficiency, property refurbishing, long-term financial goals, diversified investment, expat tax implications, volume trading, housing shortages, landlord expertise, property market fluctuations, trading adaptability, property tax advantages, tenant management, delayed gratification

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178

Lots of people in property talk about passive income and dangle the expression in front of us like a carrot in front of a donkey.

It’s a very simple expression to say, but much harder to achieve, particularly if we’re talking about investing directly in bricks and mortar as opposed to by less direct methods.

So we got the opinions of:

Sean the Property Tax Accountant
Helen Godbold-Eade
Bronwen Vearncombe
Stuart Lordan
Danny Inman
Julian Maurice
Jerry Alexander
Guillaume Black

This is a must listen episode!

It will give you all the factors you need to be aware of and all the questions you might want to ask the next time someone starts selling you the passive income dream.

Join our Mailing List to join our WhatsApp group AND access our PDF Cheat Sheet on How to Set and Achieve your UK Property Goals, 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly Newsletter

During the episode, we discuss

Passive vs. Active Investment

The difference between direct and indirect property investment

Staying informed about potential legislative changes

The evolving nature of UK property investment.

The need to adapt strategies over time to stay successful.

The differences between low-risk passive and higher return active investments.

The challenges of achieving passive income without active management.

How to assess suitable investment strategies on the active-passive continuum.

Risk management with JVs and loan agreements.

Misleading narratives about achieving financial freedom.

The difficulty of achieving true passive income in direct investment.

The challenges for expats due to limited time for property management.

The importance of reliable property management beyond high street agents.

Theneed for active management in property investment.

Long-term cash flow analysis and use of tracking software.

Proactive management to prevent costly repairs.

Alternative investment methods such as REITs, crowdfunding, Private investing and joint ventures.

We help time poor professionals get a good return on their money by investing with us. Schedule a call

Leave an honest review of Expat Property StoryFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

Details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (first Saturday of each month from 11:30 am)

Dubai: Holiday Inn, Science Park (first Wednesday of each month from 7pm)

Singapore: The Providore at VivoCity (first Saturday of each month from 10:30 am)

Political Landscape & Landlords, Expat Investors, Changing Market Conditions, Investment Strategies, Passive vs. Active Investment, Alternative Property Investment Methods, REITs, Crowdfunding, Joint Ventures (JVs), Debt/Loan Investments, Active-Passive Continuum, Property Management, Financial Freedom, Niche Management Company, Property Investment Challenges, Legislative Changes, Direct Property Investment, Indirect Property Investment, Letting Agent, Property Manager, Long-term Leases, Social Housing Providers, Property Redevelopment, Buy-to-lets, Compliance, Residential Property, Property Maintenance, Cashflow Game, Specialist Services, Property Tax Accountants.

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177

Are you looking for an example of someone who observed the masses and did the opposite?

Are you tempted by Serviced Accommodation?

Have you thought about investing in a large holiday let?

Are you up to speed with the proposed changes in short stay legislation?

Have you ever wondered whether hot tubs are worth the hassle?

If any of the above applies to you, Phil Saunders, writer for YPN magazine covers all of the above and much much more!

Phil's story has loads of lessons for us all and he also has some handy tips for picking a serviced accommodation managing agent, so make sure you listen to the end.

Check out more about Phil
Our article in YPN
Our article in Property Hub

During the episode, we discuss:

Principle of "observe the masses and do the opposite."
Acquisition of a glamping site.
Using yurts for low-cost setup.
Profit-sharing deal with a farmer for land use.
Strategic property purchases in Peak District during COVID.
Securing rental properties with a guarantee during lockdown.
Surge in bookings post-lockdown.
Hot tub impact on revenue.
Strategies for managing and profit maximization.
Joint venture with equal profit and capital growth split.
Expanding portfolio with 15 houses and eight JV partners.
Self-management challenges for expats.
Advice for scrutinizing management agent contracts.
Questions to identify a good managing agent.
Importance of dynamic pricing software.
Emphasis on consistency, persistence, and focus for property success.
Getting started with limited capital.
Creative gap identification and market strategies.
Scottish government challenges in licensing.
Potential UK government regulations for holiday lets.

We help time poor professionals get a good return on their money by investing with us. Schedule a call

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

Details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (first Saturday of each month from 11:30 am)

Dubai: Holiday Inn, Science Park (first Wednesday of each month from 7pm)

Singapore: The Providore at VivoCity (first Saturday of each month from 10:30 am)

Keywords
Observe the masses, Warren Buffett, Super host, Holiday lets, Property management, Joint ventures (JV), Peak District, COVID-19 opportunities, Glamping site, Yurts, Rent to SA, Hot tub maintenance, Dynamic pricing, Self-management, Managing agents, Direct bookings, Property investing, Consistency, Persistence, Focus, Licensing scheme, Capital allowances, Regulation, VAT threshold

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176

In this episode, we’re taking a deep dive into the essential first step of building a UK property portfolio: setting your goals.

During the introduction, we refer to this hilarious clip about goals.

I'd Like Help With Setting My Goals
(Download a Free Comprehensive Cheat Sheet PDF)

This episode takes you through:

The Importance of Setting Property Goals and starting with the end in mind

Working out the "why" of property investment

Assessing Your Current Situation

Your Available resources: capital, equity, skills, time

Networking and partnership considerations

Balancing investment time versus personal life

Scientific Methods for Goal Setting as identified by James Clear

Envisioning the pain you're willing to endure

Systems and Habits Over Goals

Rudder and oars analogy for goals and systems

Selective focus: Warren Buffett’s 2 List Strategy and Ivy Lee Method

Habit Stacking: definition and examples

Using environmental design to influence habits

Maintaining a Positive Environment

The influence of your surroundings on mindset

Measurement and Progress Evaluation

Thr Paperclip Strategy for measuring success

Keywords
expat property, UK property portfolio, goal setting, property strategy, Richard Brown, expat investing, property goals, James Clear, atomic habits, reverse engineering, property investment, mindset, Warren Buffett's 2 list strategy, Ivy Lee method, habit stacking, selective focus, choice architecture, paperclip strategy, property education, property network, investing in property, UK real estate, investment strategy, property portfolio, real estate systems, property business, podcasts, property books, network meetings, property mindset.

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175

Have you thought about investing in UK commercial property instead of or as well as residential?

Jerry Alexander is the host of the brilliant Commercial Property Investor Podcast, so he is the perfect person to answer all your questions on this underrated sector of UK property investing.

Along the way you’ll hear about the differences and similarities between the two sectors and how you might get started as an expat commercial investor in UK property.

During the show, you will learn about:

Active versus passive involvement.
Different tiers of commercial property accessibility
The importance of underlying demand
The importance of concentrating on one area.
Starting with smaller investments or strategies to raise initial capital.
Institutional investors, like pension funds, are increasingly interested in CMOs.
Importance of understanding both visible and invisible market trends.
Rent Adjustment Impact: Increasing rent or changing tenant agreements can significantly impact the property's value.
Starting Simple: Start with vanilla properties to learn the market and establish relationships with reliable commercial agents.
Leveraging capital allowances can reduce tax burdens on the investment portfolio.
Dilapidations Clauses, which can reduce the effective price of a property by up to 30%.
Urban Planning & Development.
Long-term changes in shopping habits and retail space usage.
Impact of Business Rates on the viability of retail spaces.
Charity shops filling spaces previously occupied by high-end retailers.
How Commercial Multiple Occupancy (CMO) increases potential tenant pool and cash flow.
Flex spaces: buildings with flexible lease terms and adaptable unit sizes.
Short-term, 12-month licenses allowing easier adjustments for tenants in terms of space size and lease extension.
Commission Structure for Commercial Agents
Useful Data Sources: Office for National Statistics, CoStar, Nimbus, and Property Data platforms.
Deciding whether to find a customer first or a building first.
Licenses vs. Leases
Market Research & Selecting Areas for Investment
Identifying Opportunities
Practical Advice for Remote Investors

We work with time poor professionals get a good return on their money by investing with us. Schedule a call

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

Details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (first Saturday of each month from 11:30 am)

Dubai: Holiday Inn, Science Park (first Wednesday of each month from 7pm)

Singapore: The Providore at VivoCity (first Saturday of each month from 10:30 am)

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174

One of the aims of this podcast is to demonstrate what’s possible for you as a remote investor in UK property.

And to showcase expats who are pushing the boundaries of what’s achievable.

So if I told you that today’s guest self-managed their serviced accommodation business in Norfolk from their home in New Zealand while in full-time employment and with three children under two, would you believe me?

How about if I then told you they went on to build 8 new build houses for social housing in New Zealand?

Download now for an incredible Expat Property Story!

We work with time poor professionals get a good return on their money by investing with us. Schedule a call

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

Details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (first Saturday of each month from 11:30 am)

Dubai: Holiday Inn, Science Park (first Wednesday of each month from 7pm)

Singapore: The Providore at VivoCity (first Saturday of each month from 10:30 am)

Keywords

remote UK property investors, expat property investors, Norfolk serviced accommodation, Wellington social housing portfolio, property management, full-time working parents, raising toddlers, UK property market challenges, relocating to New Zealand, selling Bristol home mistake, Airbnb hosting, Thetford property, Sykes Cottages rejection, self-managing accommodation, smart entry systems, direct property bookings, employment-based short-term lets, standard AST, New Zealand property development, social housing development, property portfolio in Wellington, demolishing and rebuilding property, Trade Me marketplace, NZ tax adviser, international tax considerations, trust for property protection, asset retention, avoiding mainstream news, Edinburgh property investment, 2-bedroom flats investment.

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173

Last week was a huge one for the sector after the new government gave the Renters' Rights Bill its first reading in parliament.

The bill has massive implications for tenants, landlords, investors and everyone else connected to housing in the UK.

As an investor, you need to make sure you understand all the likely changes.

Change Means Opportunity and opportunity means money. And we all need money to do the things we want to do, right?

This week, we’ve invited Jonathan Rolande, a man who’s made over 700 property purchases and sales in a 30+ year career.

Jonathan has featured in national press, trade journals and landlord blogs.

He's appeared on national TV and radio so he definitely warrants the title property expert.

During the episode we discuss the opportunities that are bound to emerge from the disruption to the satus quo caused by Labour’s rebranding as the party to solve the housing crisis, so make sure you listen to the end!

This episode explains the implications behind the seven headline elements of the Renters' Rights Bill:

End of Section 21, the so-called ‘no fault eviction’
The Abolition of Fixed term tenancies
Market rate rent increases only
No discrimination against tenants with families or on benefits
The Decent Homes Standard to be extended to the Private Rental Sector
Compulsory membership of a new Ombudsman Scheme
A new landlord database

We work with time poor professionals get a good return on their money by investing with us. Schedule a call

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

Details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (first Saturday of each month from 11:30 am)

Dubai: Holiday Inn, Science Park (first Wednesday of each month from 7pm)

Singapore: The Providore at VivoCity (first Saturday of each month from 10:30 am)

Keywords

Expat Property Story, UK property sector changes, legislative reforms 2024, Renter’s Reform Bill, Renter’s Rights Bill, Section 21 no fault evictions, abolition of fixed term tenancies, periodic tenancies, market rate rent increases, tenant discrimination ban, Decent Home Standard, private rented sector, compulsory ombudsman membership, new landlord database, tenant security, landlord regulations, managing agents role, tenant vetting, property investment traits, empathy in property investment, vulnerable clients, current market trends, landlords exiting market, reduced property supply, rent increases, higher-spec properties, competition among renters, rental sector improvement, historical negative perceptions of landlords, social housing demand, housing reforms.

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172

You should listen to this episode if you’re looking for ways to get to your UK Property objectives that little bit quicker.

Even if you know these resources, download anyway to hear alternative ways to use them. I can almost guarantee you’ll find inspiration for your own story one way or another.

In this episode we discuss:

R for Rightmove: Everyone knows this well-known property portal but have you thought of using it to to find investment locations by working out the median prices of properties?

S for Spare Room: A great resource for HMO research, understanding the competion, and tenant demand.

T for Tax Café: Essential books for tax planning, including tips for non-residents and non-doms.

U for UK Finance: Provides comprehensive data and analysis on banking and finance industry activity.

V for VPN: Frustrated by being blocked from Utility Companies’ websites ? A VPN can help you access UK services from abroad by encrypting data and masking IP addresses.

W for Word: Useful for journaling, transcription, and maintaining an organized body of content. An obvious one, but still essential in my book!

X for Excel: Xerox nearly made it but I don’t know enough about it to do it justice. So, even though this piece of Microsoft magic begins with an E, we plumped for Exce: ideal for deal analysis, cash flow forecasting, and task management. Couldn’t live without it!

Y for YouTube: A treasure trove of free property advice and tutorials, though watch out for the ads!

Z for Zoopla: It was nearly Zapier, and in the episode we talk about other To-Do-List tips and tricks, but in the end we chose Zoopla. Another property portal that's great for price history and additional insights.

We work with time poor professionals get a good return on their money by investing with us. Schedule a call

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

Details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: Pacific Coffee, 2/F, Central Building, Central (first Saturday of each month from 11:30 am)

Dubai: Holiday Inn, Science Park (first Wednesday of each month from 7pm)

Singapore: The Providore at VivoCity (first Saturday of each month from 10:30 am)

Keywords:
UK property objectives, property resources, investment location, Rightmove, buy to let strategy, property investment, median price, property reconfiguration, HMO strategy, spare room, tenant demand, landlord research, property tax planning, TaxCafe, UK Finance, VPN service, Microsoft Word, journaling for investors, property spreadsheet, financial control, Google Docs, property data analysis, check my file account, Zoopla, UK property listings, property portals, rental properties, property price history, UK property research, property podcasts.

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171

Do you have a favourite resource that helps you get the best results when investing in UK Property?

Are you interested in new ones to take your Expat Property Story to the next chapter?

Are you looking for new ways to use your existing resources?

For over seven years now, we’ve been collecting resources and inputting them on an XL spreadsheet.

In this 4 part mini-series of essential resources for Expat property investors in UK property, we’ve chosen the best resources for each of the 26 letters of the alphabet.

And even if some of them may sound obvious, stick around for new ideas about how to use them!

In this episode:

J is for jargon busting: Dive into resources to decode property jargon and gain a deeper understanding of key terms. Here are three Jargon Busting websites: Right Move / Zoopla / Property Mark
K is for Klevio: Explore the advantages of a smart keyless access system for apartments and businesses.
L is for Locating: Uncover the largest and most comprehensive source of school and local area information in the UK.
M is for mindset: Learn about the importance of harnessing the power of the mind for resilience and determination in property investing.
N is for Nationwide: Understand the differences between house price indices and how they impact your property investment decisions. Halifax House Price Index / Land Registry House Price Index / Office for National Statistics Price Index
O is for Otter: Discover an advanced transcription service that revolutionizes content creation and management.
P is for Poe.com: Delve into the world of AI and its varied applications, from research to conversational interaction.
Q is for Quora: Explore the wealth of knowledge and diverse perspectives available on this popular question-and-answer platform.

We work with time poor professionals get a good return on their money by investing with us. Schedule a call

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

Details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: Pacific Coffee in in Central Building, Hong Kong (first Saturday of each month from 11:30 am)

Dubai: Holiday Inn, Science Park (first Wednesday of each month from 7pm)

Singapore: The Providore at VivoCity (first Saturday of each

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170

Are you looking for handy hacks to get you closer to achieving your UK property objectives?

I’ve been making a collection of useful resources for property investors for as long as I’ve been building a portfolio.

In this mini-series of four episodes, I’m sharing 26 of them from A-Z, to help you get to where you need to go as fast as you can.

Today we cover letters E to I.

Even if any of these resources come as no surprise to you, I can pretty much guarantee that this episode will inspire you in one way or another.

And at least one of them will be new to you. If not, you'll get your money back.

Except that all our content comes FREE, with no strings attached!

We work with time poor professionals get a good return on their money by investing with us. Schedule a call

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

Details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central (first Saturday of each month from 11:30 am)

Dubai: Holiday Inn, Science Park (first Wednesday of each month from 7pm)

Singapore: The Providore at VivoCity (first Saturday of each month from 10:30 am)

Keywords
UK property objectives, property investors, property portfolio, due diligence, energy performance certificates, EPC, property assessment, property size, auction history, property auctions, auction results, property valuation, Google Maps, Google Earth, street problems, community issues, neighborhood research, property location, local infrastructure, local amenities, street view, property refurbishment, property planning, council tax reform, estate agents, property portals, modern method auction, conditional online auctions, property legal documents, property financing.

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169

Have you worked out your goals? Your purpose for investing in property? Your destination?

The next step is to work out how to get there.

You’ll need tools to get to your chosen destination and in the next four episodes, we’re giving you 26 of them from A-Z.

Some of them you’ll know and some of them you won’t.

Some of them you’ll need for your property story and some of them you might not.

But even the ones you won’t need may give you some ideas anyway.

During the episode, we discuss:

A - AirDNA

A a short term rental data analytics platform for estimating property rental potential.

B - BCIS

A calculator for accurate reinstatement value estimations for insurance purposes.

C - Check My File

A resource giving consumers online access to their credit report and credit score. It's the only UK provider with data from Equifax, Experian and TransUnion, the three main credit reference agencies in the UK, each of which holds slightly different information on your credit history.

D - Doogal.co.uk

A resource for due diligence on postcodes and location data with features such as distance calculations, boundary mapping, house price statistics and the ability to generate random postcodes, addresses, and phone numbers for accessing information on websites.

We work with time poor professionals get a good return on their money by investing with us. Schedule a call

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

Details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central (first Saturday of each month from 11:30 am)

Dubai: Holiday Inn, Science Park (first Wednesday of each month from 7pm)

Singapore: The Providore at VivoCity (first Saturday of each month from 10:30 am)

Keywords
Expat Property Guy, investing in property, destination, property story, listeners, UK property, resources, short term rental, interest rates, expats, serviced accommodation, legislation, planning, taxation, government, auction season, Dave Goodfellow, 4 pillars, data led decision making, price per night, occupancy rate, fixed costs, variable costs, net profit, Mark Simpson, off plan blocks, AirDNA, insurance, reinstatement value, BCIS, credit file, check my file, doogle.co.uk

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168

More and more expats are getting in touch with us asking about supported living as a UK Property investment strategy.

Many are attracted by the lower maintenance costs, absence of voids and the fact that it makes cashflow forecasting that much easier, knowing exactly how much a particular property will generate for an extended period of time.

Return on Capital Employed is the go to metric for amny UK property investors.

But Ruth Hunter, of Veredus Property is equally concerned with Return on Impact

If this is something that interests you, download now and share with your network!

During the episode, we discuss:

Lowering expectations around potential returns in the current climate
Benefits of supported living: guaranteed rents, minimal maintenance issues, higher profitability
"Return on impact" and social impact of investing in supported living
Identifying demand for supported living: speaking to care workers, council commissioners, housing providers, researching local social housing commissioning teams
Building relationships with housing providers and understanding the process of getting contracts and leases right
Importance of understanding the criteria and needs of providers before acquiring a property for supported living
Increased expat interest in supported living due to lower maintenance costs, easier cash flow forecasting, appeal of helping vulnerable sections of society
Shift from HMOs for young professionals to supported living for social housing, prioritizing impact over financial return
Local housing authority rates and working on a CIC framework to claim enhanced rates
Skepticism about the viability and legality of rent to rent deals.

We work with time poor professionals get a good return on their money by investing with us. Schedule a call

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

Details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central (first Saturday of each month from 11:30 am)

Dubai: Holiday Inn, Science Park (first Wednesday of each month from 7pm)

Singapore: The Providore at VivoCity (first Saturday of each month from 10:30 am)

Keywords
Subletting, Commercial properties, Mortgage companies, Supported living properties, Lenders, Property investment, Social housing, Public speaking, Adaptable investing, Property market, Passionate investment, Returns, Ruth Hunter, Veradis Properties, Supported living profitability, Care package, Return on impact, Demand for supported living, Housing providers, Leases, Solicitor, Community interest company, Corporate lets, Expats, Property show, Joint venture, Accessible housing, HMOs, Hands-off investment, Cheltenham, Gloucester, Rent to rent

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167

Would you like to know how to turn a three bed or even a two bed terraced house into a 6 bed all ensuite HMO, raising its value from 133K to 479K or more?

What you like a glimpse into how this business model works?

Would you like to understand the risks and how to mitigate for them?

It’s not as easy as the course pushers would have you believe. But it IS possible and people ARE doing it.

In this episode, we discuss:

Converting a 3 bed or 2 bed terraced house into a 6 bed en suite HMO
Detailed account of one of the recent investment projects in Derby
Exploring risks and risk mitigation
The one size fits one approach to working with investors
Tailored investment proposals based on individual aims and risk tolerance
How to replicate our business model OR invest with us
Ethical investing and social impact
The process of project exit and interest payments for investors
Importance of maintaining continuous investment with lower interest rates
Differentiating between high-return and high-security investments
Understanding the valuation process and its relevance to fund investor repayment
The significance of article 4 areas and potential valuation impacts
Detailed analysis of Derby for investment prospects in terms of Infrastructure, employment, and population dynamics
The modern method of auction and its benefits in our Business model
Investment appeal for individuals with idle funds
The possibility of investing in property without being involved in property management
The approach to valuing properties and choosing the right valuers
The impact of article 4 designation on investment returns

Primary Topic: Case Studies and Support Materials

Case study of a specific property investment project
The role of article 4 designation in property valuation
Personal experience of investing in Derby, including on-site research
Dealing with challenges and frustrations in property investment
The modern method of auction

We work with time poor professionals get a good return on their money by investing with us. Schedule a call

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

Details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central (first Saturday of each month from 11:30 am)

Dubai: Holiday Inn, Science Park (first Wednesday of each month from 7pm)

Singapore: The Providore at VivoCity (first Saturday of each month from 10:30 am)

Keywords

HMO, property investment, real estate, expat, investment model, hands-off investment, refurbishment, property valuation, article 4, Derby, commercial mortgage, rental income, property development, GDV, risk tolerance, investment return, financial planning, rental yield, property location, infrastructure, employment opportunities, property market, auction, investment strategy, landlord, tenant, rental market, housing market, expatriate, property portfolio, investment opportunities.

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166

It seems like everyone’s interested in HMOs these days.

It’s one of the few business models that passes mortgage lenders’ stress tests and just about gives you enough cashflow to make the effort worthwhile.

It’s fair to say that most HMO investors, ourselves included, focus on the Midlands or the North.

But today’s guest puts forward a robust argument for investing in London. Yes... London.

And perhaps after listening to this episode, he may convince you too.

We discuss:

Lower competition / stronger rental demand in London
Why it’s easier to find deals and get offers accepted
Working with Private Investors
Finding the right area aligning with strategy and circumstances
Importance of investing locally
Acknowledgment that remote investing can work with the right team
Impact of Article 4 in London
High-quality rooms in HMO properties for premium rental income and positive impact on commercial property valuations
Large cpaital Requirement for London
Challenges of achieving passive income through property investment
Transitioning from property acquisition to building a team for property management and sourcing
Reducing costs and aligning with larger strategic business goals
Fostering friendships and socialization to reduce property turnover
Tenants staying longer, reducing property turnover
Comparison of rental yields in the Midlands with potential profits for property development projects in London
Time efficiency and profitability in single London project investment versus multiple deals in the Midlands
Discussion on significant growth potential and building wealth through London property investments
Identifying areas in London for investment
Predictions of London's upcoming exponential growth stage
Viewpoints on the property cycle
Growing interest in HMOs due to passing mortgage lender stress tests and providing sufficient cash flow

We work with time poor professionals get a good return on their money by investing with us. Schedule a call

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

Details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central (first Saturday of each month from 11:30 am)

Dubai: Holiday Inn, Science Park (first Wednesday of each month from 7pm)

Singapore: The Providore at VivoCity (first Saturday of each month from 10:30 am)

Keywords
London property market, private investors, bridging finance, capital intensive, rental demand, anti-landlord legislation, tailored investment strategy, remote investing, property management, long-term investment, article 4, HMO properties, turnkey service, passive income, entrepreneurial journey, strategic delegation, management agency, isolation impact on tenants, rental yields, property turnover, Expat Property Guy, property cycle, explosive growth, mortgage lender stress tests, ideal housemates, successful property investing, "Property Adjectives," capital appreciation, cash flow, additional streams of income

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165

Is property still the best way to build wealth?

Is it still worth all the effort and aggravation.

How long does it take to build a portfolio to see you through your later years or pass onto your children or grandchildren.

How much money will it take.

These are just some of the questions we’re looking at in this week’s show, which will definitely get you thinking about your long term goal and how to achieve it.

And we have just the man to do that for you.

Rod Turner, host of The Rodcast Podcast first appeared on this podcast in Episode 42 and delivered my favourite four words out of the nearly 888,000 odd words spoken on this podcast so far. And the four words were:

Don’t talk, just do!

But in this episode, Rod adds some caveats by looking at the realities of building a residential property portfolio and cites a hypothetical UK property portfolio builder

Rod’s imaginary investor starts his/her property investing story with a pot of 250K

After 7 years, with profits reinvested, the portfolio is worth £5 Million

Portfolio Value: £5 Million

Equity at 25%: £1.5 Million

Mortgage at 75% LTV: £3.5 Million

Rent Roll per year (assuming 7% yield): 350K

Mortgage Costs per year (assuming 5%): 187.5K

Maintenance: 35K

Management Fees: 42K

Other Portfolio Costs (accountancy, insurance etc.): 15K

Voids & Arrears: 17.5K

Profit: 53K

Corporation Tax: 10K+

Dividend tax £2610 (assuming no other personal income)
Net income for the shareholder £40,290

During this episode, we discuss:

Investment strategies and opportunities in the UK property market

Whether property is still the best way to build wealth
Importance of taking action and proving oneself as a reliable buyer in the property market
Learning from mistakes and continuously seeking deals and capital
Analyzing investments against tax-free ISAs and considering the effort required
The underestimated factor of time in property investment
Buy-to-let properties and potential total returns over a longer period
Cash flow and capital growth not being mutually exclusive
Consideration of affordability and potential for disproportionate increases in household incomes
Importance of the internal rate of return (IRR) in building wealth through investments
Investment focus on retirement and private equity shift to a fixed income model
Challenges of achieving a true fixed income model in property due to idiosyncratic risks
The significance of annualizing investment metrics and forecasting
Potential limitations of investing in high-end, renovated properties
Importance of adaptable property models to maximize returns
Consideration of management team and investor's unique skills
The need to start small and scale up
Potential opportunities in catering to the UK's aging population
Importance of wealth in providing opportunities for retirement and investment
Subjective nature of retirement planning and individual needs
Opportunities presented by an aging population in the UK

Keywords:
property investment, income, infrastructure investment, affordability, wealth dynamics, London, UK, expat property, tax-free ISAs, aging population, retirement income, buy-to-let properties, interest rates, capital growth, internal rate of return, retirement planning, investment options, cash flow, total returns, property development, market changes, management team, investment metric, scaling up, long-term goals, taking action, mistakes, lessons learned, property

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164

Should you look in or outside Article 4 areas for your HMO?

This episode featuring Nick Smith of Saltbox Living will help you decide.

The answer depends on your circumstances.

Are you investing for the long term or are you momnetum investing where you’re trying to replace an income quickly?

Nick has the knowledge, experience, wisdom to answer this question. His property story started many years ago after he bought seven buy to lets alongside his full time job working in the printing business in his native Yorkshire.

He also has nerves of steel. He once and immediately took on £5 million of debt to turn around a failing printing business.

Another Must Listen episode.

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163

One of the most frequently asked questions I get when listeners reach out is around expat mortgages.

Do you need a broker?

Does it matter where you live or who you work for?

What kind of bank account do you need?

Can you get a limited company mortgage, or should you buy in your personal name?

What are the rules around portfolio landlords? Today, Simon Allen of Searchlight Finance answers all these questions and much much more.

This is a repackaged compilation of Episodes 15 & 16, first released in 2022.

During the episode we discuss:

Expat Mortgage Application Process
Different Types of Expats and Their Mortgage Qualification Criteria
UK passport holders living abroad
Foreign nationals with overseas passports
Lenders Criteria for Expats and Complexity
Countries of residence and work
Credit history
Types of properties for personal or limited company names
Income Declaration to HMRC for Mortgage Approval
Income within a limited company
Requirement for taking a salary or providing a set of accounts
Preparation for Remortgaging
Timing and paperwork
Lender selection process
Overcoming Anti-money Laundering Regulations
Working with specialized brokers and lenders
Importance of a good credit file and experienced solicitors
Importance of Speed in the Purchase Process
Staying on top of the process with a solicitor
Information Needed for Mortgage Decisions
Decision in principle
Requirements for new and existing clients
Correspondence Address in the UK and Its Significance
Dual representation in conveyancing
Need for independent legal advice with limited company borrowing
Proof of Funds and Source of Funds
Proof of deposit
Minimizing frequent financial transactions and emails
Additional Fees for Expats and Foreign Nationals
Minimum values for loans
Differential treatment by lenders
Considerations for Couples with Foreign National
Role as a shareholder and not a director in a limited company
Impact of Broker Experience and Focus
Buy-to-let market expertise
Documentation process knowledge
Technology Challenges and Communication Issues
Delays and difficulties with remote working
Valuations for Complex Property Types
HMOs and multi-units
Varying criteria based on the lender
Tax Treatment and Portfolio Growth for Expats
Limited company mortgages' tax treatment and rates
Challenges with portfolio growth and transitioning
Considerations at the End of Fixed Terms
Product transfers offered by some lenders
Challenges of remortgaging for expats returning home

Keywords:
Expat mortgages, expat mortgage brokers, residency requirements, limited company mortgages, UK passport expats, foreign national expats, lender criteria, expat finances, property types, income declaration, limited company salary, remortgaging, anti-money laundering regulations, specialized expat brokers, credit file, expat solicitor, expat lenders, decision in principle, correspondence address, dual representation, conveyancing solicitor, documentation process, proof of funds, remote working, HMO valuations, limited company tax treatment, HMRC income declaration, portfolio growth challenges, product transfers, expat return remortgage.

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162

Did you know that commercial property usually cost less per square foot to buy than residential?

This can make commercial property a very attractive option if you’re looking to develop HMOs. And often the location of commercial stock is ideal for this strategy.

But commercial HMO conversions come with their own unique sets of risks and concerns. This episode tells you all about them.

Timothy Witt has done around 40 projects with various business partners both for himself and clients. Many of these projects were HMO conversions, so he has lots of tips, tricks and tactics to share.

During the episode, we discuss:

Converting ground floor to commercial and upper floors to residential HMO
Converting building to multiple commercial units
Permitted development rights for commercial to residential conversions
Minimum space standards and challenges
Two-stage process of converting to residential first and then to HMOs later
Types of mortgage needed for property with commercial space and HMOs
Thorough financial estimation for build costs, finance costs, final rents, and final GDV
Balancing the risk of conditional and unconditional planning approval
Addressing objections for HMO projects
Role of planning consultants in enhancing chances of successful planning approval
Assessing lease terms and exploiting underutilized areas
Zoning system for commercial valuation predictions
Effect of zoning systems on yields and property value
Mitigating risk in property investing
Higher rewards with higher risks in property investing

Keywords

Property development, Commercial property, Residential conversions, HMO, Permitted development rights, Minimum space standards, Mortgages for commercial space, Lease improvement, Rental income, Financial estimation, Conditional planning approval, Planning consultant, Value addition, Refurbishments, Bridging finance, Cash flow, Zoning system, Manchester, property investment, Warren Buffett, Robert Kiyosaki, Planning approvals, Objections from neighbours, Market changes, Utility bills, Interest rates, Article 4 zoning, Property values, Yield restrictions, Commercial agents, Property investing risks

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161

Starting with the end in mind is a familiar theme in UK property investing, but it’s not as easy as it sounds when it comes to tax planning.

For this episode, we’re going back into the archives to remind new listeners and refresh the memories of the rest of you about the importance and detail behind one of the most frequently asked questions of UK property investors:

Should you buy UK property in your own name or through a limited company?

We’ll also be having another look at group structures, and we’l be tapping into the knowledge and experience of long time friend of the pod, Sean the Property Tax Accountant.

Sean is a fully qualified Chartered accountant and an expat property investor.

So he knows what he's talking about!

During the show, we discuss:

The importance of defining financial goals early and considering future changes
Capital gains tax and dividend tax implications
Comparison of tax amounts for limited company versus personal ownership
Considerations for personal ownership versus passing properties to children
Special purpose vehicles (SPVs) and their significance
Separate companies for different property investment strategies
Benefits of group structures for tax efficiency and property transfers
Overview of Section 24 changes on rental income and mortgage interest
Explanation of the 20% tax credit given for mortgage interest paid
Implications for landlords and tax bills for high rate taxpayers
Age, long-term plans, future income, and reinvestment of profits
Reinvestment of profits and potential benefits for higher rate taxpayers
Changes in corporation tax rates and their influence on decision-making
Concept of holding company and subsidiary companies
Flexibility in implementing new property strategies
Simplifying asset transfers to children through shareholding in the holding company
Importance of setting up the structure correctly from the start
Seeking HMRC clearance for genuine commercial reasons
Consultation with advisors before property transactions
Decision-making between personal name and limited company ownership
Impact of Section 24 on high rate taxpayers
Significance of income tax thresholds and implications for rental income

Here is the Marginal Relief Calculator for Corporation Tax for profits of between 50K & 250K

Keywords:

property investment, limited company, capital gains tax, dividend tax, personal ownership, inheritance tax, limited company structure, special purpose vehicles, SPVs, group structures, tax-efficient property transfers, Section 24 change, rental income, mortgage interest, corporation tax, high rate taxpayer, reinvesting profits, holding company, subsidiary company, HMRC clearance, genuine commercial reasons, upside-down tree structure, passing on assets, shareholders, property tax accountant, UK property, income tax thresholds, rental income calculation, property investment portfolio, tax implications

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160

Do you know what Sideways Loss Relief is?

How about the Annual Investment allowance mechanism?

And what do they have to do with Capital Allowances?

Are you familiar with the deadlines for making a Capital Allowances claim and how to find out if they’ve been claimed before without alerting a vendor to the fact that they could make a claim.

This episode covers all of this and lots more including how to use Capital Allowances as a strategic tool for growing your UK property portfolio.

This is the second instalment of a two-part special on Capital Allowances featuring CA expert Arthur Kemp of Exact Capital Allowances. If you haven't already done so, listen to last week's Episode #159 first.

In this week's episode, we discuss:

Differentiation of capital allowances from regular tax deductions
Explanation of what constitutes plant and machinery within a property
Breakdown of plant and machinery into constituent parts for valuation purposes
One-time claim for capital allowances on a building, regardless of subsequent changes in ownership
Identification and examples of new expenditure that qualifies as capital expenditure
Impact of specific property enhancements, such as creating new bathrooms or extending the kitchen, on capital allowances

-Clarification on the eligibility of different types of property activities for capital allowances, including HMOs, serviced accommodations, and holiday lets

Emphasis on the need for specialists due to the complexity of valuation and specific knowledge required
Differences between regular accountants and specialists in capital allowances
The importance of understanding if the previous property owner has already claimed any capital allowances
Explanation of the role of CPSE inquiries and section 198 election in commercial property transactions
Significance of leading questions to identify whether the previous owner has claimed capital allowances in residential properties like HMOs or holiday lets
Clauses in the sales contract that establishes the seller's agreement with regard to capital allowances value within 2 years and disclosures to HMRC
Importance of utilizing capital allowances strategically to reduce tax liabilities and reinvest in more properties
Flexibility of transferring capital allowances to offset tax liabilities for corporation purposes or against PAYE income
Discussion of the option to use capital allowances to offset tax from other sources of income or roll it forward to future profits
Negotiation process with the new owner regarding the value and use of the claimed capital allowances
Recognition of the 2-year deadline for making necessary disclosures and claiming capital allowances, with different rules for residential and trading properties
Importance of understanding the rules and implications of selling a property with claimed capital allowances

Keywords

capital allowances, UK property investment, HMRC, property assessment services, tax savings, plant and machinery, expats, property owners, Exact Capital Allowances Limited, trading HMO, serviced accommodation, commercial property, tax liabilities, sideways loss relief, income tax, holiday lets, qualifying activities, CPSE inquiries, section 198 election, sales contract, disclosures to HMRC, corporation purposes, PAYE income, specialists in capital allowances, valuation, plant and machinery valuation, capital expenditure, building ownership, property items, previous owner, tax relief

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You’ve probably heard about Capital allowances. You might even know something about this generally little known area of tax relief. But I’m sure you’d like to know more, right?

If you have Commercial property, Serviced Accommodation or even HMOs, then it’s definitely worth your while listening to this two-part special on Capital Allowances because it could save you thousands of pounds. And who wouldn’t like that?

Not many people know more about Capital Allowances than Arthur Kemp of Exact Capital Allowances so, you'd be well advised to listen now as we discuss:

Types of properties that qualify for capital allowances
Discussion on the legislation surrounding capital allowances
The distinction between dwelling houses and non-dwelling premises
Qualification of commercial properties, serviced accommodations, and HMOs
Case law and challenges related to HMO properties and capital allowances
Identification of second fix items
Examples of items that qualify for capital allowances
The exclusion of structural elements from capital allowances
Specific items that can be claimed including lighting, heating systems, security, soft furnishings, and more
The confusion around claiming capital allowances in HMOs
Differentiation between common areas, communal areas, and dwelling areas
Eligible items for claiming in common areas and the challenges in the HMO sector
The value of installations and services to the entire property
Historically changing interpretations and the impact of case law on claiming capital allowances in HMOs
Potential changes in legislation
Details about recent spring budget (2024) changes and its implications
The potential impact on holiday lets and the capital allowances for such properties
Perspectives on the likelihood of retrospective amendments and implementation of potential changes

In Part Two (Episode 160) we’ll be discussing:

Deadlines for applications and strategic use of capital allowances
The mechanism of the annual investment allowance
The role of capital allowances in building a more profitable UK property portfolio

Keywords:
Expat Property, Capital Allowances, Tax Relief, Commercial Property, Serviced Accommodation, HMOs, Tax Saving, Special, Guests, Arthur Kemp, Ideal Housemates, Kim and Aggie, Carol Vorderman, Boris Johnson, Peace and Quiet, Property Tour, Measurement Tool, Whatsapp Video, Tax Return, Legislation, Dwelling House, Communal Areas, Common Areas, Plant and Machinery, Second Fix Items, Short Term Rentals, Furnished Holiday Lets, Case Law, Spring Budget, Tax Simplification, HMRC

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158

Is social housing a business model that interests you?

Do you understand how it works?

Would you like to know how to go about building a portfolio based on providing housing for vulnerable people in all their shapes and sizes?

Have you thought about the advantages and disadvantages? Are you wondering if this might be the way forward for you?

Scott Grayson is a property veteran with more than three decades of experience so he's well placed to answer these questions!

During the episode, we discuss:

The process and considerations for building a social housing HMO portfolio
Collaboration between property investors and care providers
Lease duration and the importance of quality renovation work
Safety standards and the need for correct certifications
Details about full repair and insurance (FRI) agreements
The importance of maintenance and care provider relationships
Selecting the right property for social housing
The role of mentors, housing associations, and support teams
Comparing returns on investment for social housing HMOs and other property investments
Advantages of the set and forget strategy, guaranteed income, and lease security
Positive impact and rewards for those involved in the social housing environment

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

Keywords:

social housing, business model, portfolio, housing, vulnerable people, advantages, disadvantages, HMOs, high cash flowing assets, remote investors, standard buy to lets, student HMOs, coliving HMO projects, social housing HMOs, property veteran, care sector, Winston Churchill, Pep Guardiola, Stevie Wonder, leadership, mentorship, rental income, lease, planning permission, housing associations, registered provider, local authority, refugee schemes, investment strategy, guaranteed income, cash flow management, positive impact

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157

You may have heard people talking about sustainability, Net Zero, future proofing, institutional funding, socially conscious investing, Environmental and Social Governance or ESG and thought what’s it all got to do with me as an expat property investor.

Well hopefully, after listening to this week’s show, you’ll be a little closer to finding out.

Anna Clare Harper is an expert in sustainable property investment and co-founder of Green Resi which helps institutions to future proof and grow UK residential portfolios.

In fact she’s so knowledgable about sustainable portfolio building that not only has she written three books about it, but she’s regularly invited by the likes of The Financial Times, Forbes and the BBC to give her opinion on the subject.

Anna also hosts a podcast: The Return of Anna Clare Harper.

During the show, we discuss:

Increasing interest in sustainable property investment
Impact of regulations on the private rental sector
Shift towards professionalization and regulated bodies
Political will to improve property standards and reduce non-decent homes
Potential decline in part-time landlords due to regulatory challenges
Supply-demand imbalance and housing shortage caused by new regulations
Effect of regulations on housing stock availability and rental market
Institutional investors and pension funds' interest in professional portfolios with sustainable features
Introduction of net zero emissions and focus on existing homes and construction
Skills gap in retrofit and shortage of rental housing
Rollback on regulations and issues with EPC ratings for retrofitting
Practical challenges and skills shortage in achieving net zero
Importance of diagnostic assessments and practical skills for energy-efficient buildings

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

Keywords:

sustainability, net zero, ESG, socially conscious investing, property, sustainable property investment, Green Resi, regulations, EPC ratings, cost exemptions, professionalization, section 24, private rental sector, net zero environmental requirements, landlords, institutional investors, pension funds, supply-demand imbalance, housing shortage, vacant homes, housing stock, property taxes, professional capital, Green Resi, EPCs, net zero emissions, minimum energy efficiency standard, retrofit, skills gap, shortage of rental housing, apprenticeships

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156

Building a UK property portfolio as an expat is not easy.

Firstly there’s the distance… And the further you are from the UK the harder it is.

Not only does it take a lot longer to get back to the UK, but there’s the added complication of time differences.

And then there’s the lack of time available to work on building a portfolio.

And finding trustworthy UK property partners to work with is potentially even more challenging. Especially since there are so many sharks out there ready to pounce on higher paid and less taxed expats.

It might seem impossible.

But it’s not.

There are expats doing it.

And in this episode, we meet someone who’s doing it and doing it BIG.

Together with his business partner, he has 50… yes 50 HMOs in his portfolio. This is an episode you won’t want to miss!

Toby Fenn is one half of Oxliving and in this episode, we discuss:

Thermal envelope and the importance of council engagement in environmental policies
Institutional interest in coliving and the challenges of accessing stock for institutional investment
Plans to build a significant portfolio and sell to larger entities like pension funds or insurance companies
Ongoing demand for HMOs and co-living in the UK due to population increase and housing shortages
Navigating article 4 restrictions in Oxford and prioritizing tenant satisfaction
Differences between purpose-built and smaller scale HMO models

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

Keywords:

expat property portfolio, UK property market, HMO investment, building efficiency, council engagement, HMO refurbishment, coliving, institutional investment, residential rental market, expansion strategy, landlord-tenant preferences, purpose-built co-living, private funds, property valuation, net-yield, energy-efficient measures, commercial valuation, growth strategy, operational sustainability, remote operations, cost savings, property location, communication, collaboration, Ox Living, Toby Fenn, development strategy, net-zero elements, social mobility, environmental sustainability

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155

Did you know that there are 3 billion Google Searches every day? And have you heard of a website called Answer the Public?

Answer the Public is a website which listens into data from search engines like Google then quickly cranks out every useful phrase and question people are asking around a keyword.

Well I typed in UK property and by far the most common question or variation of a question it returned was basically ‘Is now a good time to buy UK property’?

Well I’ve been meaning to create an episode around this question and when I found out that today’s guest Rachael Troughton, host of the The Property Solopreneur podcast has been investing in property for nearly 25 years, I thought she’d be the perfect person to ask. So I did!

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

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154

Have you considered using a home stager to market a property?

Is it worth paying for a stager?

What’s the difference between a home stager and an interior designer?

Do you know if there’s a difference is between staging a property to rent versus staging to sell?

If you’ve spent time thinking about any of these questions, then this episode is for you.

Emma Cook helps people to market their properties for sale or let to maximise their returns via her Home Staging company Love It To List It.

In the episode, we discuss:

The difference between a home stager and an interior designer

The benefits of staging properties for landlords

Understanding target markets

Dressing a property to appeal to a wider audience

Communication with landlords

Budget discussion and management

Process of staging multiple rooms

Ensuring properties stand out in the market

Ownership and storage of staging materials

Underestimating the time and preparation involved in staging

Designing for different tenant avatars

Neutralizing design for young professionals

Balancing design appeal for both men and women

Using more universal and neutral colors

Introducing colour through accessories

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

Keywords:

home staging, property dressing, target audience, home comforts, marketing appeal, landlord services, communication, budget discussion, staging logistics, inventory, property stager, personalization, design preferences, tenant avatars, Emma Cook, property appeal, developing industry, color choices, end user preferences, social media, quick rental, sale, competitive edge, interior designer, housemates, Tom Jones, DIY staging, artificial intelligence, service accommodation properties, classical designs, target market, staging to rent, staging to sell

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153

Adopting a new UK property strategy is no walk in the park because you need to understand and control as many of the variables you can identify as possible.

This is even more important if you’re using investor finance, because you need to have a plan A, Plan B and Plan C for giving your investors the return OF their money and ON their money.

In this episode, we talk you through the due diligence we undertook when looking into adopting a new business model: Aparthotels.

Our model model focused on buying tired guest houses or hotels, refurbishing to increase revenue, and applying for a commercial mortgage, using the uplift in value to pay back our investors.

We discuss:

the importance of understanding lending, property valuation, and factors affecting short-term and long-term financing.
The process of researching potential deals, adapting floor plans, and obtaining build quotes.
How to break down the estimation of income, refurbishment costs, interest rates, VAT, and gross revenue, along with the impact on cash flow and profitability.
The impact of factors such as occupancy rates, interest rates, and valuations on the financial feasibility of the new business model.
How to detail the process of evaluating and analyzing the potential risks associated with the new business model, including considering various what-if scenarios.
The importance of considering risk, trust, and investor comfort during decision-making.

This episode will give you a glimpse not only into the types and extent of due diligence required when researching a new approach, but will also give you pause for thought as to whether to adopt a new model or rinse and repeat the one you already have.

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

Keywords

UK property strategy, investor finance, due diligence, business model, apart hotels, commercial mortgage, refurbishing, stock, mortgage brokers, lending, financing, valuation, floor plans, builders, property viewing, income estimation, occupancy rates, daily room rates, short term lets, holiday lets, serviced accommodation, room rates, risk appetite, cash flow, interest rates, HMOs, Article 4, property tour, stock availability, young professionals, legals

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152

How do you go about carrying out due diligence on a new UK Property business model?

How can you make sure you’re not believing the hype?

Do you presume that something must work because it’s what everyone else seems to be doing?

This episode (the 3rd of 4) will hopefully get you thinking about some of these things as we continue our story of why we didn’t add any properties to our portfolio in 2023.

The first reason, which we covered last week in #151 was because I found myself credit blacklisted due to an unfortunate set of circumstances.

This week, we document our research into a new UK property strategy for us: Aparthotels.

We discuss:

Potential opportunities in refurbishing tired BNBs into apart hotels
Researching Potential Locations for Aparthotels
Lending Options for Aparthotel Investment
Exploring options for commercial mortgages and short-term finance
Challenges and complexities of securing lending for apart hotel investments
Considerations for valuations, rental income, and loan-to-value ratios
The importance of thorough research and due diligence in the lending process
Building a Deal Analysis Spreadsheet
Importance of accurate financial modeling and due diligence
Need for a comprehensive deal analysis template

Planning Geek Website

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

Keywords

due diligence, business model, hype, property investment, UK property, expat investors, commercial free space, off-plan developments, SA properties, housing market, licensing, apart hotels, commercial valuation, investment mortgage, short term finance, RICS surveyor, commercial property, brick and mortar valuation, lender options, property analysis, self check-in technology, hotel renovation, property management, building a spreadsheet, commercial yield, investment strategy, property market research, partnerships, deal analysis, property conversion

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151

How do you keep on top of your UK Credit Rating?

Do you even know what your credit rating is?

Do you know what factors affect your score?

This episode serves as a warning as to what can go wrong if you’re not very careful, even if you’re the kind of person like me that likes to pay their credit card debt at the end of each and every month.

Keep listening to the end to pick up tips and tricks for how to navigate the minefield of your UK credit file.

Topics discussed during the episode:

Importance of sharing problems and seeking help from contacts
Tips for staying on the right side of mortgage lenders
Importance of being systematic and using virtual office services
Value of using a mortgage broker and keeping detailed records of communications
Impact of positive interactions and persistence in addressing setbacks
Understanding the impact of setbacks and maintaining a positive mindset
Credit rating management advice
The value of services like Check My File for monitoring credit information
Insights on staying on the electoral register for positive credit impact
Examples of methods to access Credit Rating Agencies from abroad

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

Keywords

property investment, portfolio, mortgage, credit rating, expat, UK, credit report, credit score, credit agencies, expat investor, HMOs, refurbishing, auction, valuation, finance, banking, expat challenges, expat property market, UK credit system, expat finance, expat mortgage, credit card, financial management, real estate, international property, landlord, rental property, property management, property market, real estate investment

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150

Some of the most useful content according to people who get in touch with us is when we tell the parts of our story that don’t go well,

And let’s face it, we learn more from what goes wrong than what goes right.

So over the next few episodes we’ll be covering the reasons why we didn’t buy any property in 2023.

This episode discusses:

· Naivety in financial decisions

· Initial experiences with stock market investments

· Transition to property investments

· Acquiring our block of 4 flats in Derbyshire

· Impact of valuations on investment decisions

· The impact of so called ‘Down Valuations’

· Considerations and decisions regarding refinancing and mortgage arrangements

· Importance of not depending too heavily on others

· The value of being prepared for unexpected challenges

· The significance of resilience and adaptability in property investment endeavors

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

Keywords

property education, podcasts, Facebook groups, online communities, forums, books, interviews, business model, strategy, expat salaries, pension plan, financial adviser, investment, stocks and shares, property bug, student HMO, tax residency, nondomicility, UK property experts, auctions, refurbishment, valuation, mortgage, interest rates, down valuation, remote investors, entrepreneur mindset, real estate market, stress tests, expat property story

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149

Do you invest in stocks and shares?

Do you invest in property?

Maybe you invest in both?

If you take two suitcases to the check in counter at the airport, one marked property and one stocks and shares and they tell you that you can only put one on the plane, which one do you choose?

Have you ever wondered, like I have why people choose stocks and shares over property?

In this episode, Grant Williams, a leading financial content producer and a man with more than 35 years’ experience of global finance discusses:

The complexity and management of owning physical properties
The responsibility and understanding of investments in stocks, shares, and property
The potential shift from stock market to small business investment
The danger of expecting historical property trends to continue in light of inflation, interest rates, and asset valuations
The benefits of property as an investment during times of inflation
The significance of understanding risk tolerance and managing emotions in investing

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

Keywords

Grant Williams, investment, stocks, shares, property, property investor, risk tolerance, due diligence, stock market, small businesses, exit liquidity, stock market trading, financial content producer, Real Vision, responsible financial advisers, commercial real estate, inflation, leverage, investment objectives, airport scenario, emotional aspects of investing, Expat Property Guy, Hong Kong property market, corporate defaults, economic downturns, debt levels, interest rates, refinancing debt, central banks, recession, rate cuts

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148

How do you deal with setbacks in your property story?

Lots of people talk about how to win, but maybe the real lessons to be found in life and property are about how to deal with, and come back from disappointment.

And since we all have setbacks in our property stories from time to time, it often helps to be inspired by those who get up again after getting knocked down.

So if you’re looking for inspiration about willpower, determination and resilience, then this is the episode for you.

Nicky Russell went from self-proclaimed 'Van Tramp' to Blackpool Bungalow Flipper via Casinos, Cleaning and Bulgaria.

Download now to hear her amazing story!

We also discuss:

Targeting potential investment opportunities in the UK due to the aging population
Predicted increase in demand for bungalows due to the aging population's preference for single-story houses
Benefits of bungalows in terms of limited refurbishment needs and appeal to various demographics
Quick sales process due to cash purchases and minimal delays caused by solicitors or chains
Potential investment opportunities in properties unsold for a long time and the benefits of further due diligence
Setting up separate companies for trading and holding, and learning about group structures for tax benefits and asset protection
Property investment education, including attending courses and investing in mentorship programs

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

Keywords:
property flipping, bungalow refurbishment, real estate investment, property auctions, property refurbishment costs, property sales strategy, property investment seminar, property flipping strategies, property investment education, property portfolio building, limited companies for property trading, property investment opportunities, aging population, bungalow demand, property investment setbacks, expat property investors, property auction due diligence, due diligence checklist, property investment networking, property investment mindset, property investor meetups, property investment angel money, property investment advice, property investment leverage, property investment tax benefits, property investment strategies, property investment funding, property investment setbacks, property investment resilience, property investment success

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147

How long does it take you to analyse a deal on Right Move?

Do you find yourself looking at rubbish bins to try and work out the number of a property so that you can then go and check out the EPC and do other due diligence to work out if a deal really is a deal?

If your plan is to turn it into an HMO, have you found it as frustrating as I have, squinting at a map trying to work out if the house you’re looking at lies inside or outside an Article 4 area.

Guillaume Black was so fed up with looking for deals on Right Move that he set up his own platform, Property Filter

Property Filter brings together more than 30 data points to create one of the most powerful deal finding tools in UK property.

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

Keywords: Rightmove, property deal analysis, property finding tools, UK property podcast, property networking, Guillaume Black, Property Filter, property data, HMO, article 4 area, SA property, French accent, property deals, property engine, property sources, motivated sellers, property strategies, rent to rent, lease options, commercial to resi, blocks of flats, leasehold, lease extensions, residential mortgages, HMO refurbishments, buy to let, live-in landlord, subscription price, property sourcing, financial freedom

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146

Is now a good time to buy UK property? Do you wish you had a crystal ball to see six months into the future? How will the housing market look in the second half of 2024?

When analysts comment on the state of the market, they look to house price indexes from the The UK House Price or Nationwide or Halifax as they try to predict future trends.

But these indexes have a time lag given that the the length of time it takes on the open market for a home to go from 'sold subject to contract' to legally sold can vary between six weeks and six months.

By contrast, it’s often said that what happens in the auctions is a barometer for what happens in the wider market six months later. So with that in mind, this week, Andy Thompson from auctioneer Pugh Auctions UK is here to tell us what he’s seeing in the world of auctions now to help you make your UK property decisions in 2024.

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

property auctions, real estate sales, auction house, auction strategies, auction platforms, realistic pricing, property values, auction risks, auction approach, conditional sales, modern method, auction security, due diligence, regional market trends, southern-based buyers, property types, probate properties, auction process, auction benefits, auction advice, auction competition, auction catalogs, commercial properties, local authority properties, property redevelopment, financial year sales, property networking, UK property market, Expat Property Guy podcast, property acquisition, auction challenge

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145

Do you regularly visit your investment area?

How well do you know your location?

Who are your eyes and ears in those places?

How do you know if you can trust them?

How often do you or could you visit your patch?

Or are you confident enough to build a portfolio from the other side of the world with no friends or family to help you in the part of the UK you’ve identified as the one to get you to where you need to go?

These are the types of questions this episode sets out to get you thinking about.

This is the 15th and final daily episode documenting my recent UK Property Tour in which I go through the seven benefits of spending time in your chosen investment area and four key learnings.

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

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144

I’m in Derby.

It’s the final day of my UK Property Tour.

Today, I have to take the hire car back to Nottingham and then the train south to London.

I also have two final meetings I’ve arranged. One with a second sourcer, who we’ll call Sourcer 2 and another with an HMO interior design team.

But that’s not what’s at the front of my mind on this mid-February morning in 2024 as I wake up in the guesthouse I’ve been staying in for the last four nights.

No, I want to know if the two remaining obstacles blocking our purchase of a 3 bed terraced house to convert into a 6 bed all ensuite HMO for young professionals have been removed.

The first obstacle is the danger that the restrictive covenant in the title document which I downloaded for £3 from the Land Registry could …well …restrict us from getting long-term finance.

The second obstacle is whether the conservative estimate for the rental income was … well.. conservative and could be a swing factor… in other words tweaked upwards by £25 a room which would swing the project from being a non-starter to a good enough deal.

I lean out of bed and reach for my computer to find out…

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

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143

13 has always been mine and my wife's lucky number.

On our one and only visit to a casino in Macau we once won two consecutive games of roulette picking, you guessed it the number 13.

So will this deal that we’ve been offered in Derby be our lucky 13th addition to our portfolio on this, the 13th consecutive daily episode in our mini-season documenting my UK Property Tour?

Download and listen to find out!

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

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#142

Day 11...

My UK property tour and this mini-season of diary style podcasts is drawing to a close now.

I'm in Derby meeting anyone and everyone who can help us find a 3 bed house to convert to a 6 bed all ensuite HMO

It doesn’t look like I’m going to return to Hong Kong with an HMO in my back pocket.

But the aim is to get as close as I can. To do that I have a few meetings lined up over the next few days.

Including with sourcers.

Download and listen to find out more!

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

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141

In preparation for my UK Property Tour, I used the filters on Spare Room to build up an XL database of HMO rooms that were achieving the highest rates.

I excluded everything except rooms with en-suites and bills.

My spreadsheet included columns for:

· location

· rents

· amenities,

· the dates the adverts were listed

· how long the adverts had been up for

· managing agents

I then had Zoom meetings with the agents achieving the top rents.

I’m now having face to face meetings with some of them as well as sourcing agents as I enter the final few days in the UK.

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

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140

This is Day 9 of our mini-season of daily pods documenting my UK Property Tour.

If you trust someone just because they’re in the public domain and they seem nice, you’re putting yourself at risk.

On the other hand, if your default position is to trust no one, you won’t get anywhere.

So what’s the answer… Well there’s no magic formula, so I would suggest that you start small.

Don’t go all in. Test them out. See if they do what they said they’ll do.

See how they communicate. See if you like them. And take it from there.

Hopefully this episode will get you thinking about your attitude to trust which is probably the most important factor to consider when investing in UK property as an expat / remote investor.

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

View Details

139

Day 8 of my UK Property Tour.

Today is Saturday and I find myself on the M6 heading north to Blackpool at 9 o’clock in the morning to talk to a bungalow fliiper!

Yesterday, I coined a new Property Term, called Some Money In.

It’s the opposite of All Money Out and it refers to the idea that most of us can expect to have to leave some money in a deal when buying 3 bed houses to convert to 6 bed HMOS.

One way to account for money left in is to flip properties for profit so I go to Blackpool to meet a bungalow trader.

After that on the way back to the East Midlands for the last few days of the tour, I stop off in Stoke to watch a random football match as Port Vale take on Steveage in League One.

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

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138

Have you heard people talking about all money out deals?

Or money in money out deals?

Others call them unicorn deals.

In my experience, the people who talk most about them are usually selling a course.

Or a deal.

I’m not saying they don’t happen and maybe you’ve achieved it yourself.

But personally, I think you’d be better off saving your energy for working out how to mitigate for the money that will inevitably get left in most deals.

And that is one of the reasons that brings me into the centre of Preston on this wet cold Friday morning as my UK Property Tour continues.

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

View Details

137

This is the seventh diary entry for my first ever UK property Tour.

I'm in the UK for two weeks, checking up on our two SA houses and researching our new investment area.

In this episode, I meet the designer and managing agent of our new SA in Leyland ahead of its launch the following week.

i also take a walk around the neighbourhood to try to understand the property from a guest's perspective.

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

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136

My UK Property Tour continues!

Today’s diary entry starts in Nottingham, continues in Derby, returns to Nottingham to pick up a hire car.

I then head up the M1 and M6 to a networking meeting in Manchester before finally getting to bed well after midnight in our second SA property in Leyland, Lancashire just hours after the refurb / staging has finished.

This is the 6th episode of 14 daily episodes documenting the trials, tribulations and hopefully triumphs of my trip to the UK to concentrate purely on property.

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

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135

Everyone loves a story and that's one of the reasons we called this podcast Expat Property Story.

Today's episode is a short story about Day 4 of my UK Property Tour.

I'm reluctant to say any more as I don't want to spoil the story.

But the moral of the story relates to the importance of having a good managing agency, particularly in Serviced Accommodation.

Listen now! You won't regret it...

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

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134

What factors made you choose your investment area? Was it because it’s within a certain radius of friends and family or UK property partners?

Was it because of the three pillars of population, employment opportunities and infrastructure.

Was it because of yield or capital growth?

Well we’ve chosen Derby as our next property hotspot for many if not all of the above reasons.

In today’s diary entry for the fourth day of my UK Property tour, I go for lunch with two fellow investors in Derby to get to know more about the city from those in the know.

LISTEN NOW to find out more…

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133

Do you have short-term lets in you portfolio?

Are you thinking of getting your hands on one before the new rules come in requiring planning and signing up to the registration scheme?

If you already have a short term let, have you stayed in it to understand your guests’ experience?

Are you aware of the importance of cutting out the online travel agents and increasing your profits through direct bookings?

Have you thought about reducing your tax through assessing your SA property for Capital Allowances.

Well today my UK property tour continues as I make the short trip from Derby to Nottingham to stay in our own short term rental, to look into Capital Allowances and to try and drum up some direct bookings.

Download now to see how it goes…

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

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132

I’m in the UK for 14 days to check up on mine and my wife’s 3 million pound property portfolio.

This mini-season of daily pocket-sized podcasts documenting my UK Property Tour is sure to have something that can help you with your property story.

During my UK Property Tour, I'll be speaking to potential investors, staying in our two Serviced Accommodation properties and building our network in our new investment area.

In this diary entry, I talk to the host of the SA property where I'm staying in Derby who confirms my suspicion that Rent to Rent for SA is dead!

And then I walk the streets of Derby and investigate a Commercial to HMO deal.

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

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131

Have you ever wondered what it would be like to spend nearly two weeks travelling around the UK purely for property?

Wonder no more!

For the next fourteen days or so, we're releasing a daily pocket-sized episode in the style of a diary.

This mini-season documents my first ever self-styled solo UK Property Tour as I criss-cross the country checking up on our portfolio and staying in our two SA properties.

It's got a little bit of everything, from disasters to triumphs, great people and everything in between.

Tune In, Turn On & Drop by for my UK Property Tour!

Leave an honest review of Expat Property Story

Join our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

View Details

130

What’s more important in property, cashflow or capital growth? Which one do you invest for.

Which one should you invest for? What are the advantages and disadvantages of cashflow?

Or the pros and cons of capital growth? And how about cashflow versus profit?

Today we’re delving into these questions to get you thinking about your approach to building a UK property portfolio wherever you are in the world.

Contributors to this episode:

Rob Dix

Stuart Ball

Rob Smallbone

Sean the Property Tax Accountant

Darren McNeill

Alicia Barlow

Leave an honest review of Expat Property Story

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

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129

Are you looking for inspiration about how you might be able to transition out of your well-paid professional career into a more independent lifestyle which is equally lucrative if not more so?

Do you think you don’t have time to build a property portfolio alongside a full-time job and a full time family?

Are you perhaps a foreign national looking for encouragement about getting started in UK property.

Elise Hickey, aka The Arty Property Developer, has done all of the above.

If any of that sounds like you, listen to this episode and then go and make it happen!

During this episode, we discuss:

Flipping high-end properties
Serviced Accommodation
Using social media to find contractors
Managing and keeping builders
Project management skills
The impact of a reliable build team on the success of a property project
Ability to adapt to changing market circumstances in property development

Leave an honest review of Expat Property Story

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

Keywords:

property development, build team management, project management, property refurbishments, flipping properties, serviced accommodation, accessible accommodation, downsizers, project management skills, property investment, buy-to-let, commercial properties, back office operations, building contractors, social media, Instagram, LinkedIn, networking, contractor evaluation, Midlands properties, connections, team building, reliable builders, project success, diverse experience, market adaptability, creative pursuits, art, Instagram content creation, expat listeners, mailing list

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128

How would you like to know more about floorplans and how to reconfigure them to squeeze the maximum cashflow out of a property? Or to understand more about the role and value of an architect in UK property investing?

Do you know what makes a good architect or a good planning consultant? Or are you looking to create an all ensuite 6 bed or more HMO out of a poky 3 bed terrace?

Grant Erskine has been involved in property either as an investor or architect for over 25 years. In this episode, we discuss:

Analyzing Floor Plans for Property Investment

The need for accurate measurements and caution with estate agent floor plans.

The cost and feasibility of converting houses into 5, 6, or 7 bedrooms and the implications of planning approvals and thermal insulation.

The need for alternative exit strategies and stress testing financial plans.

The challenges of l-shaped dormers and identifying the minimum size requirement for 2 bedrooms.

The configuration of stairs in HMOs.

Techniques for lowering the 2nd floor to create height in the loft

Commercial to Resi - HMO conversions with apartments as a fallback plan

The problem with most planning consultants.

Grant Erskine Architects

Refurb-Ed

Leave an honest review of Expat Property Story

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month (Saturday S6th October, 2023) from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (Wednesday 4th October, 2023) from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month (Saturday 6th October, 2023) from 10:30 am

Keywords:

Grant Erskine, Expat Property Guy, podcast, property investment, architect, musical artists, Elvis, Chris Cornell, entertainers, musical styles, housemates, Alan Turing, World War II, floor plans, measurements, estate agent floor plans, VHMOs, l-shaped dormer, property education course, Refurb Ed, property networking event, HMO development, property investors, planning consultants, multiple HMO projects, alternative exit strategies, financial plans, l-shaped dormer designs, permitted development, article 4, thermal insulation, building regulations, Vueber agent, long-distance measurements, commercial to HMO conversions.

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127

In the first 126 episodes, one theme has cropped up time and time again. And it's the concept of starting with the end in mind.

So if you're struggling with how to get your UK property story past page one, or you're just looking for inspiration about how to move forwards…

Or or you're just after some tips and tricks to help your property progress, then you're in the right place.

In this episode, we present 10 ways in which you can reverse engineer your UK Property Story.

The ten ways are:

Goals
Structure
Mortgages
Business Model
Letting Agents
The Numbers
Refurbishment and Design
Journal
Visualization

During the episode, we refer to our Mini-Season on Tax through an Expat Lens with Sean the Property Tax Accountant.

#24 Buying a UK Property Through a Limited Company or Personally?

#25 Smart Property Company Group Structures

#26 Capital Gains Tax for Expats Investing in UK Property

#27 UK Property Tax: Compliance

#28 UK Property: Tax Evasion, Tax Avoidance and Tax Planning

#29 Risk Management

And Expat Mortgages:

#15 Expat Mortgages for the UK Part 1

#16 Expat Mortgages for the UK Part 2

Leave an honest review of Expat Property Story

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month (Saturday S6th October, 2023) from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (Wednesday 4th October, 2023) from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month (Saturday 6th October, 2023) from 10:30 am

Keywords:

View Details

126

Do you want to know about commercial valuations, down valuations, how to put a valuation pack together?

Or you’re just hoping to get a better understanding of mortgages in general?

Then this week’s episode is the best episode to since Part One of this two part special last week!

Martin Smedley of Prospero Finance (Fairstone Financial Management Group) has been arranging finance for over 35 years so what he doesn’t know about investment finance simply isn’t worth knowing.

Last week, we covered the difference between the two broad types of valuations: commercial and bricks and mortar and the factors that affect whether your lender will give you a commercial valuation.

This week, we cover the mysterious world of Cap rates and yields for commercial valuations, how to put Valuation Pack together and other factors which may help to nudge your valuer towards the top of the range they can offer.

During these two episodes we discuss:

Understanding Commercial Valuations for HMO and Buy to Let Markets
Influence of Room Sizes, Market Evidence, and Property Standards on Valuations
Room Sizes and Market Evidence in HMO Properties
The Influence of Property Valuations on Rent Adjustments
Photos, Links, Comparables and Maintenance Programs in Valuation Packs
Impact of Concentration of HMOs on Property Valuation
Fluctuation of HMO Valuations in Market Downturns
Safeguards for Property Valuation in Market Crash
Caution around Refurbishment of Tired HMO and Lender Consent
The Role of Cap Rates in Commercial Investment Yields
Impact of Location and Demand on Cap Rates and Yields for HMO Properties

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

We typically work with time poor professionals get a good return on their money by investing with us. Schedule a call to discuss

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month (Saturday S6th October, 2023) from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (Wednesday 4th October, 2023) from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month (Saturday 6th October, 2023) from 10:30 am

Keywords:

Expat Property Guy, UK property podcast, Martin Smedley, mortgage solutions, HMO, buy to let, commercial valuations, lender operations, valuation packs, property standards, rent adjustments, market evidence, room sizes, influence valuations, maintenance program, before/after photos, comparables, well-written valuation pack, investment finance, financial risks, mortgage rates, investment properties, mortgageable properties, HMO license, property valuation, market downturns, long-term fixed rates, lending strategy, property refurbish

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125

Have you heard people talking about commercial mortgages and wondered what they’re on about?

Or maybe you have a basic grasp of what they are but don’t understand the finer details and would like to know how commercial mortgages work.

You'd like to know more about getting a commercial valuation as opposed to getting your property valued on a bricks and mortar basis?

Or perhaps you’re looking for tips and tricks to avoid those frequently dreaded and often misunderstood down valuations.

Well, if any of that sounds like you, this two-part special is most definitely for you as today’s guest is Martin Smedley of Prospero Finance which is part of the Fairstone Financial Management Group

Martin has been arranging finance for over 35 years so what he doesn’t know about investment finance simply isn’t worth knowing.

This week, we cover the difference between the two broad types of valuations: commercial and bricks and mortar and the factors that affect whether your lender will give you a commercial valuation.

We also touch on how Martin and his team maximise their clients’ chances of securing a genuine commercial valuation.

In Part Two, #126 we’ll be looking at ways to influence that valuer to give us as high a valuation as expected.

Leave an honest review of Expat Property Story

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month (Saturday S6th October, 2023) from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (Wednesday 4th October, 2023) from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month (Saturday 6th October, 2023) from 10:30 am

Keywords:

Martin Smedley, contractors, property expectations, hotel comparison, clean property, train station access, parking, Expat Property Guy, reverse engineering, mortgage choice, lender, valuer, property valuation, comprehensive summary, interview, property influence, Berlin, Exotic Listener location, WhatsApp group, expat UK property investors, 6-month rule, vanilla lending market, bridging loan, refinancing, Land Registry, refurb costs, borrowing time, interest rates, valuers, commercial mortgages, HMOs, East Midlands.

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124

If you’ve been here from the start, you’ll have heard me talk about mine and my wife’s purpose in building a UK property portfolio.

In this episode, I interview my wife who talks about the importance of giving back and about her passion for helping refugees after we replace our incomes and return to the UK.

In Episode 123, I suggested that in the current climate buy to let is dead and arguably, the stock market is also no longer the land of milk and honey either!

One alternative is to invest in those of us who are prepared to put in the necessary time and effort into building a property business whereby we build our knowledge and experience and contacts and teams and take the risk to give investors a guaranteed return.

But for me that’s just the base line… the standard… everyone in property is offering that…

Wouldn’t you rather get a good return on your money knowing that the same money will be used albeit indirectly to do something to help those less fortunate than ourselves?

Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month (Saturday S6th October, 2023) from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (Wednesday 4th October, 2023) from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month (Saturday 6th October, 2023) from 10:30 am

Keywords:

Expat Property Story, UK property portfolio, student HMOs, failing pension plan, auction challenge, serviced accommodation, refugees, fundraising project, Burkina Faso, French passport, London job market, travel industry, job challenges, Red Cross, waitressing, Maldives, refugee challenges, food podcast, cultural insight, Hong Kong volunteering, UK property investment, negotiation skills, career growth, Shatila refugee camp, Lebanon, clean water, sanitation facilities, prosthetic limbs, giving back, privileges.

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123

This is the final part of our three-part New Year special acrostic mini-season, where for the second year running, we go through the letters that spell Happy New Year explaining what each letter stands for as we head into 2024.

We’ve chosen:

Y for Yesterday

E for Entertainment

A for Action

R for Risk

In ‘Y for Yesterday’ we suggest that, in the current climate at least, standard buy to let is dead.

In ‘E for Entertainment’, we look back at some of the fun features we’ve included in the pod to keep things light and fun.

In ‘A for Action’ we remind you of the importance of taking action.

And, finally, in ‘R for Risk’ we point you in the direction of our two-part special on this most important topic in Episodes 101 & 102

In the first part of this three-part special (#121), we chose:

For the other 3 letters, we chose:

H for HMOs

A for Amazing guests

P for Please leave us a review

P is for Passion and Purpose

Y is for You.

And in #122, we chose:

N for Newsletter

E for Exxotic Listener Locations

W for WhatsApp

Leave an honest review of Expat Property Story

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month (Saturday S6th October, 2023) from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (Wednesday 4th October, 2023) from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month (Saturday 6th October, 2023) from 10:30 am

Keywords:

Expat Property Story, expats investing in the UK, property podcast, mini season, interest rates, buy to let, rent to rent, development, commercial property, HMO, SA units, UK property portfolio, full time job, UK property goals, UK property, podcast, entertainment, Monopoly Challenge, Desert Island Property Disc, ideal housemates, Elon Musk, Rod Turner, auction season, reverse engineering, risk, Refugees, acrostic special, newsletter, exotic listener locations, WhatsApp group.

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122

This is the second part of our three-part New Year special acrostic mini-season, where for the second year running, we go through the letters that spell Happy New Year explaining what each letter stands for as we head into 2024.

This episode is all about the importance of joining a community of people who invest in UK properties from all four corners of the world as we spell NEW:

N is for Newsletter

E is for Exxotic Listener Locations

W is for WhatsApp

In Part One of this mini-series (#121) we spelled HAPPY:

H is for HMOs

A is for Amazing guests

P is for Please leave us a review

The second P is for Passion and Purpose

And Y is for You.

In this episode, we spell NEW

N is for Newsletter

E is for Exxotic Listener Locations

W is for WhatsApp

Tomorrow, in #122, we spell YEAR.

Leave an honest review of Expat Property Story

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month (Saturday S6th October, 2023) from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (Wednesday 4th October, 2023) from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month (Saturday 6th October, 2023) from 10:30 am

Keywords:

Expat property, expats, digital nomads, foreign nationals, remote investors, UK property, newsletter, mailing list, remote investing, property tax accountant, expat property story, Squarespace, analytics, mortgages, property enthusiasts, network meetings, property networking events, listener locations, travel, exotic countries, investment strategy, WhatsApp group, remote investors, property community, UK property market, property networking, UK property investors, property tribes, auction, social media, property networking events

View Details

121

This is the first part of our three-part New Year special acrostic episode, where for the second year running, we go through the letters that spell Happy New Year explaining what each letter stands for as we head into 2024.

H is for HMO

A is for Amazing Guests

P is for Please…

P is for Passion & Purpose

Y is for You

Leave an honest review of Expat Property Story

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month (Saturday S6th October, 2023) from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (Wednesday 4th October, 2023) from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month (Saturday 6th October, 2023) from 10:30 am

Keywords:

expat property, UK property goals, expat property story, HMOs, buy to lets, serviced accommodation, auctions, property traders, property partners, JV partners, mentors, managing agents, property tax accountant, property cycle, motivated sellers, direct to vendor marketing, expat property ambitions, expat property goals, property business, property investment, expat landlords, property location, property market, property strategy, property portfolio, property refurbishment, property management, property investment advice, property research, property podcast

View Details

120

Have you thought about joint ventures or JVs in property and how they might work?

Perhaps you don’t have the necessary time, knowledge or contacts to devote to property alone and would rather work with someone else?

Maybe you don’t have enough money to acquire property in the area where you have boots on the ground and where it might therefore make most sense to buy.

Or perhaps, it’d just be more fun doing it with somebody else…

Entering into a JV with a trusted friend or family member may be a viable option for you to start or grow your UK property business.

That’s what Michael Cheek and Laurence Garner did and, in this episode, they’re sharing the story of how they assembled a double digit portfolio of buy-to-let properties in Durham and Cambridge.

So if JVs interest you, and even if they don’t, tune in!

There’s lots of lessons for you to apply to your expat property story, whether you’re in partnership or going solo.

During the show, we discuss:

· Expat mortgage challenges

· Business bank accounts for expats

· Managing a UK property business business despite partners living in different locations

· Advantages and potential disadvantages of a partnership in property investment

· Factors for successful joint ventures, such as clear communication and written agreements

· Discussion of formal shareholder agreements and long-term planning

Leave an honest review of Expat Property Story
Join our Mailing List to join our WhatsApp group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property
Episode 17: 300K Lost in a Joint Venture Deal

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss
As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):
Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month (Saturday S6th October, 2023) from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (Wednesday 4th October, 2023) from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month (Saturday 6th October, 2023) from 10:30 am

Keywords:
Mortgage process, Certified documents, Mail delays, Expats, Property investment, Stockton on Tees, Buy-to-let properties,

View Details

119

Are you an expat looking for inspiration on how to get started as a UK property investor?

Would you like to build an HMO portfolio from abroad? Colchester raised Hong Kong expat Dan patient who introduced this week's show did just that.

And he's now pushing the boundaries of what's achievable as an expat by buying a grade two listed mixed-use building at auction retaining the kebab shop on the ground floor and changing the use of the flats above to serviced accommodation.

During the show, we discuss:

· Buying Property in Hong Kong

· Buying Property in the UK

· Student HMOs in Colchester

· Buying at Auction

· Mixed Use Buildings

· Grade 2 Listed Buildings

· Mortgage Strategies

· Retirement Plans as an Expat

Leave an honest review of Expat Property Story

Join our Mailing List to access our 37 Question Due Diligence Checklist; our 23 Step Guide to Buying Property at Auction and our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month from 7:00 pm

Singapore: The Providore at VivoCity on the first Saturday of each month from 10:30 am

Keywords:

Dan Patient, Expat Property Guy, mortgage products, property purchases, 5-year fix, risk-averse, interest rate increases, listed building, structural issues, renovation process, listed building consents, specialized builders, commercial mortgage, property investment, Hong Kong, UK, Colchester, student housing, COVID, property market, cap rate, short-term accommodation, commercial properties, business rates, HMOs, ex-council houses, rental market, mortgage broker, market saturation, reconfiguring houses

View Details

118

Hello there! Are you looking to get into HMOs but don’t know where to start?

You want the higher cashflow, but maybe you’re scared to spend all that money and end up with a beautifully designed HMO but struggle to fill the rooms?

Or maybe you’re not sure whether to invest in Article four areas or non Article Four areas?

Saj Hussain has been investing in property since 2007 and for the last 12 years has focussed much of his attention on HMOs.

Together with his team he now manages more than 500 rooms in and around Birmingham, so he knows what he’s talking about.

Saj talks us through the five biggest mistakes he sees HMO property investors make, which are:

Not understanding the tenants and their needs
Not getting the location right
Licencing
Planning permission
Management

During the show, we discuss:

· How to research and choose your investment area

· Primary, secondary, and tertiary locations within a market

· The importance of understanding the operating environment and local regulations

· The difference between Licensing and Planning

· Why Saj prefers Article 4 areas to Non-Article 4 areas

· How to maximise your chance of getting a satisfactory commercial valuation

· How to manipulate the planning system to add more bedrooms

· Importance of efficient property management and systemizing income generation

· The three most common traits in successful UK property investors

To find out more about Saj
Saj Hussain on YouTube
Leave an honest review of Expat Property Story
Join our Mailing List to access our 37 Question Due Diligence Checklist; our 23 Step Guide to Buying Property at Auction and our Monthly Newsletter
Follow the Show on Instagram
Tell us the one thing you’re struggling with in UK property

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month (Saturday S6th October, 2023) from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (Wednesday 4th October, 2023) from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month (Saturday 6th October, 2023) from 10:30 am

Keywords:

UK property, property investment, HMO management, property management, Article 4 areas, commercial valuations, property investment strategy, successful property investment, property ventures, UK real estate, property investment tips, HMO property, UK real estate market

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117

Have you heard UK property investors talking about SSAS pensions and wondered what they’re all about?

Or are you on the fence about whether to set one up?

Richard Parker of Chariot Developmentsis the author ofSSAS Pension Legacy: Build a Wealth and Personal Legacy with a SSAS Pension.

In this episode, Richard talks us through the pros and cons of setting up a SSAS giving a more balanced view than most other champions of this increasingly popular UK property investment tool.

During the show, we discuss:

· HMRC's stance on the kinds of businesses eligible to set up SAS pensions for property investment.

· The role of SAS administration companies and the need for careful consideration when choosing one.

· The suitability of SSAS pensions based on investor activity and the array of significant tax incentives available.

· Unique features of SSAS pensions, including joint ownership and potential tax incentives relating to Capital Gains Tax / Inheritance Tax.

· Different potential options for SSAS pension trustees

· Commercial Property Investment: Learn from Richard's successful commercial property investment in CMOs the commercial equivalent of an HMO

And find out why Richard would not have a nanny as one of his ideal housemates in our fun feature: My Mini-Mo!

Leave an honest review of Expat Property StoryJoin our Mailing List to access our 37 Question Due Diligence Checklist; our 23 Step Guide to Buying Property at Auction and our Monthly NewsletterFollow the Show on InstagramTell us the one thing you’re struggling with in UK property

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month (Saturday S6th October, 2023) from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (Wednesday 4th October, 2023) from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month (Saturday 6th October, 2023) from 10:30 am

Keywords

SSAS administration, SAS pension, HMRC definition, trading business, investment business, pension administration company, HMRC fines, tax incentives, inheritance tax, commercial property, rental income, SSAS pension, SIPP, joint ownership, property investment, liquidity needs, long-term commitment, pre-guidance, auction property, lockdown investment, commercial property management, tax-free lump sum, investment options, residential properties, special purpose vehicle, capital gains tax, Richard Parker, SAS Pension Legacy, responsible pension management, commercial property management

SSAS Pension Legacy: Build a Wealth and Personal Legacy with a SSAS Pension

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116

if you’re serious about building a UK property portfolio, then you need to be thinking about how to stand out.

Brandon Burton, of Brand Voice Strategy is an online marketer and self-proclaimed digital nerd!

In this week’s show you will learn about the importance of building a brand, as Brandon reveals his handy hints on how to identify and embrace YOUR brand voice to make YOU stand out from the crowd.

Brandon is also an expert in AI technology, and he picks out his three current favourite AI tools to make life easier.

In the episode, we discuss:

· The importance of Branding and Brand Voice in Saturated Markets

· Discovering and Developing Your Brand Voice

· Matching your online persona with real-life identity

· Brandon Burton's Brand Voice Strategy Service

· Understanding the Value and Potential of AI

· Caution and Considerations when using AI

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month (Saturday S6th October, 2023) from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (Wednesday 4th October, 2023) from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month (Saturday 6th October, 2023) from 10:30 am

Keywords

Brandon Burton, brand voice strategist, copywriter, communicate like human beings, stand out, building a brand, online presence, reputation, property industry, saturated markets, unique motivations, unique processes, brand identity, brand voice, communications, stand out, authenticity, consistency, online persona, private identity, personality, viewpoints, AI, writing style, content creation, brand voice strategy, messaging, positioning, interviewing, survey responses, written text, speech patterns.

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115

Is now a good time to buy UK Property?

This is one of the most frequently asked questions relating to UK property on Google and this episode will help you come to your own conclusion.

Akhil Patel is one of the world’s leading experts on the 18 Year Property Cycle, and the title of his book on the subject, ‘The Secret Wealth Advantage’ gives a clue as to how important it could be to learn all about it.

This is one of my favourite episodes ever, so make sure to listen. And then listen again!

During the show, we discuss the following and much, much more:

· Akhil Patel’s book, "The Secret Wealth Advantage"

· His background and education in classics and economics

· The 18-year economic cycle

· Insights on where we are in the current cycle

· Investment and business decisions during the cycle

· Decoupling of property prices from rent towards the top of the cycle

· Cycle stages: low land prices, mid-cycle dip, construction boom, crisis, recovery

· Factors that might contribute to a surge in prices in 2024

· Uncertainty regarding the timing of a potential economic downturn

· Impact on rents and property market

· Increase in rents and its connection to wages

· The connection between increasing rents and property prices

· Potential decoupling of prices from rents during the cycle's peak

· Impact of specific factors like Brexit and geopolitical issues

· Potential challenges and risks during different stages of the cycle

If that’s not enough to get you to listen, then perhaps the appearance of Tiger Woods, Virgil and the Queen can convince you! Turn on, tune in!

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month (Saturday S6th October, 2023) from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (Wednesday 4th October, 2023) from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month (Saturday 6th October, 2023) from 10:30 am

Keywords

The Secret Wealth Advantage, 18 year economic cycle, stages of the economic cycle, historical examples, investment decisions, business decisions, land and real estate, money creation, subscription service, proper

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114

This is a fascinating episode of Expat Property Story!

Wealth Dynamics is a profiling tool for entrepreneurs to understand their ‘flow’, which is when you’re happiest, or in your element.

By understanding your profile, it will show you which profile you should take on as your first hires when expanding your business, or how to understand and work with other profiles.

Sally Cope is a coach who specialises in analysing and de-briefing Wealth Dynamic profiles and in this episode, she delves into my test results.

During the episode, we discuss:

· The 8 different Personality Profiles (Creator; Star; Supporter; Dealmaker; Trader; Accumulator; Lord; and Mechanic)

· Need for team-building and diverse profiles within a team

· Impact of wealth frequencies on behavior and interactions

· How certain nationalities lean towards certain energies (Dynamo, Blaze, Tempo & Steel)

· Importance of working in line with natural inclinations and strengths

· Seeking help for areas where one is not proficient

· Teen Dynamics and Career Paths

Sally also picks her three ideal housemates in our current fun feature, ‘My Mini Mo’.

The Wealth Dynamics Chart

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discussSally Cope on LinkedIn

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month (Saturday S6th October, 2023) from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (Wednesday 4th October, 2023) from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month (Saturday 6th October, 2023) from 10:30 am

Keywords:Wealth Dynamics, personality test, career interests, future aspirations, estate agents, relationships, property market, hiring, personal development, flow, strengths, Belgrade, listener location, reviews, profiles, team building, wealth frequencies, dynamo, blaze, tempo, steel, psychometric tests, social interactions, VAs, Philippines, Expat Property Guy, team-building, business, dealmaker, cultural traits, multicultural influences, teen dynamics

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113

You pay your buildings insurance every year.

But are you certain that your UK property portfolio is sufficiently, efficiently and practically insured?

In fact, are you sure it’s effectively insured at all?

In this episode, Josh Munt and John Cox from Insurance Desk are here to talk us through the most common mistakes they see from UK property investors.

We cover (pun intended!) everything you need to know and some things you don’t need to know about buildings insurance for your UK property portfolio.

It’s not the sexiest episode, but it’s one of the most important!

During the episode, we discuss:

Determining Reinstatement or Rebuild Value
Differences between market value and rebuild value.
Risks of being underinsured.
Tips for time-poor investors when checking their policies.
How to save money
Post-Brexit changes for non-UK residents' insurance coverage
Role of loss adjusters in assessing claims and potential biases
The role of managing agents in maintaining your cover
Why you should use a broker.

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

john@insurance-desk.com
josh@insurance-desk.com

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month (Saturday S6th October, 2023) from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (Wednesday 4th October, 2023) from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month (Saturday 6th October, 2023) from 10:30 am

Keywords:short term accommodation, builders, spacious shower cubicle, clerical contractors, student HMOs, bicycle storage, serving others, Council Bluffs, Iowa, challenges, expat property story, estimating costs, builder assessment, desired end result, quality level, buying based on one item, aesthetics, flooring, ceiling, colors, lighting, artwork, furniture, view outside, meetups, Hong Kong, Dubai, Singapore, 4 bed mini mos, housemates, serviced accommodation, design elements, HMO management,

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112

80% of property businesses don’t realise what they set out to achieve.

One reason for this is because they follow the herd by chasing money rather than customer satisfaction.

As a result, they don’t create products that stand the test of time.

Julian Maurice of Icon Living has been a lettings agent, estate agent, project manager and plumber and DJ!

But he is best known as a designer.

In this episode, he reveals why design is so much more than aesthetics, why simplicity is important, and functionality is paramount.

If you want to know how to maximise your rental income not just for today but in five, ten and fifteen years in the future, then listen now.

During the episode, we discuss:

· Dieter Ram’s Principles of Design

· Warren Buffet’s

· Functionality over aesthetics

· How good design can future proof your property business

Why The Majority Are Always WrongTo Join our Mailing List to access our 37 Question Due Diligence Checklist; our 23 Step Guide to Buying Property at Auction and our Monthly NewsletterTo Follow the Show on InstagramTo leave an honest review of Expat Property Story
To tell us the one thing you’re struggling with in UK property

Keywords
short term accommodation, builders, spacious shower cubicle, clerical contractors, student HMOs, bicycle storage, serving others, Council Bluffs, Iowa, challenges, expat property story, estimating costs, builder assessment, desired end result, quality level, buying based on one item, aesthetics, flooring, ceiling, colors, lighting, artwork, furniture, view outside, meetups, Hong Kong, Dubai, Singapore, 4 bed mini mos, housemates, serviced accommodation, design elements, HMO management, Dieter Rams, durability, smaller HMOs, profitability, deferred gratification, leverage in property market, ROI, remortgaging, loan-to-value ratios, rents, sale of property, bad tenants, operational requirements, perception of landlords, good design, functionality, tenant turnover, repeat bookings, durability, future-proofing, end user experience, ROI calculation, contractor categorization, dirty work, clean work, cleaning challenges, choice of materials, Expat Property Story podcast.

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111

In Episode 107, we released a Seven Step guide to Building an Expat UK Property Portfolio

In this episode, Bahrain expat Rachel Wellbelove of Flex Homes takes us through her expat property story in reference to the seven steps which are:

Building your knowledge

Working out your Future Plans

Funding

Choosing a location

Choosing who to work with and who to trust

Building a network

Taking Action

During the episode, we also discuss:

· How Rachel used her SSAS pension to fund her UK property portfolio

· The importance of due diligence when deciding who to work with

· The pros and cons of ‘niching down’ on one particular business model versus diversification

To Join our Mailing List to access our 37 Question Due Diligence Checklist; our 23 Step Guide to Buying Property at Auction and our Monthly NewsletterTo Follow the Show on InstagramTo leave an honest review of Expat Property Story
To tell us the one thing you’re struggling with in UK property Keywords: SAAS, Self-Invested Personal Pension, loan back arrangement, limited company, property, rules and regulations, capital, interest, commercial property, children's care home, joint venture, UK property portfolio, expat, 7 step process, action, network, goals, objectives, business model, diversify, niching down, geographical location, Squamish, The Alpinist, investing, podcast, blog, secondary schools, northeast, tax efficiency, due diligence, Companies House, testimonials, Margaret Thatcher, Princess Anne, fear, decision-making, heart failure, consultant, retire, travel, slates, SA, HMO, student lets, lending levels

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110

One of the most challenging aspects of buying UK property from abroad is sourcing deals.

Chris Dowty is the CEO of Sourcing Investments, a platform connecting investors and UK sourcing agents.

This episode will give you a better understanding of how to deal with UK sourcing agents.

Listen to understand the importance of YOU taking control of your investments and not blindly accepting recommendations without verifying them independently.

During the episode, we discuss:

· Key Questions to Ask About a Deal Involving a Sourcing Agent

· Compliance for sourcing agents

· Importance of Personal Due Diligence in Property Investment

· The Need for Investors to Follow Through on Commitments

· What makes a good UK sourcing agent

· The importance of a thorough tenant referencing process

To Join our Mailing List to access our 37 Question Due Diligence Checklist; our 23 Step Guide to Buying Property at Auction and our Monthly NewsletterTo Follow the Show on InstagramTo leave an honest review of Expat Property Story
To tell us the one thing you’re struggling with in UK property Keywords:sourcing properties, transforming properties, student market, cost of project, duration of project, salary, benefit, turnkey providers, compliance vault, revenue-generating activities, background check, investors, capital, financing, commitment, discounts, sellers, desperate seller, special source, changes to system, relevant information, accountability, standardized ROI, loan to value, interest rate, rental income, worst case scenarios, pensions, investment manager, deal analysis, comparables, compliance, proof of funds, proof of ID.

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109

This episode is a must-listen cautionary tale for time-poor expats, overseas investors and anyone else tempted by off-plan developments in the UK.

Christina Campion and her husband thought they’d bagged a bargain when they invested in the swankiest apartment on the top floor of new development overlooking a beautiful park in the centre of Preston.

But all that glitters is not gold. When they visited the property for the first time, the layout of the flat was totally different from what they’d been promised.

And what should have been a warm insulated roof was a cold slab of concrete but had nonetheless been signed off by the approved inspector.

Their tenants were literally frozen out as icy winds howled in through gaps in the extractor fan and utility bills went literally through the uninsulated roof.

But it's not all doom and gloom. Christina's story also highlights the power of taking action, and putting the pressure on developers to make necessary repairs and improvements. She shares valuable lessons learned and offers practical advice for listeners considering similar investments.

This episode covers:

The importance of having a good solicitor
The dangers of putting down more than 10% deposit
Private Building Control companies
The dangers of leasehold properties
The difficulty of getting a mortgage on an off-plan new build development
Developers selling the freehold of a building to a 3rd party

To Schedule a Zoom Call to Discuss Win-Win OpportunitiesTo Join our Mailing List to access our 37 Question Due Diligence Checklist; our 23 Step Guide to Buying Property at Auction and our Monthly NewsletterEasthams & Co Residential LettingsEpisode #7: Like Clockwork featuring Helen Godbold-EadeTo Follow the Show on InstagramTo leave an honest review of Expat Property Story
To tell us the one thing you’re struggling with in UK property Keywords:pre-purchase evaluation, Eswatini, Swaziland, investment options, Christina Campion, off-plan property investment, new-build developments, expats, overseas investors, salespeople, good investment, bad experience, diligence, ethics, approved inspectors, building regulations, insulation, warm insulated roof, council building control, enforcement notice, mold spores, dampness, chaotic construction site, additional payment, long stop dates, fire certificate, developer's reputation, water pouring, managing company, lifts breaking down, emergency phone line

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108

To be a successful UK Property Investor you need to be buying in areas with good employment prospects, expected population growth and solid infrastructure.

Preston ticks all those boxes.

Local employers include British Aerospace, Amazon and Lancashire County Council not to mentionthe development of the Cyber Warfare Centre bringing 5,000 new jobs to the area, Preston is booming.

But deciding on an area is only half the battle when investing remotely. You have to find a good letting agent to manage your investment.

Matt Eastham runs Easthams & Co Residential Lettings. Matt is a passionate investor who believes in the power of sharing knowledge.

Rather than charging sourcing fees or trying to make a profit, Matt is committed to helping others by freely sharing his expertise.

He knows that if he provides good local knowledge for overseas investors, they will want him to manage the property on their behalf.

Matt represents a good case for reverse engineering the property investment process by starting with a letting agent.

During the episode, we discuss:

Dodgy new build off-plan development
Why Preston is booming!
Serviced Accommodation opportunities in Preston
The types of property in high demand
What questions to ask your lettings agent
The importance of a thorough tenant referencing process

To Join our Mailing List to access our 37 Question Due Diligence Checklist; our 23 Step Guide to Buying Property at Auction and our Monthly NewsletterEasthams & Co Residential LettingsEpisode #7: Like Clockwork featuring Helen Godbold-EadeTo Follow the Show on InstagramTo leave an honest review of Expat Property Story
To tell us the one thing you’re struggling with in UK property Keywords:trustworthy independent local agent, property investing, due diligence, financial loss, house purchase, bad tenants, capital appreciation, single lets, serviced accommodation, yield, capital growth, target market, precedents, regeneration, inward migration, terraced properties, location, maintenance, slush fund, housing demand, cyber warfare center, contractors, lettings agents, tenant referencing, property prices, rebalancing, National Cyber Force, mailing list, freebies, Matt Eastham.

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107

Picture the scene. You’re in the Maldives having a no news no shoes holiday. It’s funded by your UK property portfolio that took you years to put together despite what they told you on the expensive property course containing information that was available for free on podcasts like this one.

But how do you get there?

This week’s show is a seven-step guide to getting started as an expat UK Property investor.

It’s based on my own experience of building a £3 million property portfolio from Hong Kong and from the insights provided by the amazing guests on this podcast.

The seven steps are:

Building your Knowledge
Working out your Future Plans
Funding
Choosing a location
Choosing who to work with (TRUST)
Building a network
Taking Action

Meetup Details:

Hong Kong: The first Saturday of each month from 11:30 am at The Urban Bakery in the Landmark Building in Central

Dubai: The first Wednesday of each month from 7 pm at the Holiday Inn at the Science Park

Singapore: The first Saturday of each month from 10:30 am at The Providore at VivoCity

To Join our Mailing List to access our Due Diligence checklistTo Follow the Show on InstagramTo leave an honest review of Expat Property Story
To tell us the one thing you’re struggling with in UK property

Perceived Corruption Index

Towns Fund Prospectus

Keywords

expat UK property investor, property portfolio, knowledge, education, future plans, goals, objectives, currency, retirement income, currency fluctuations, limited company, individual name, tax, income tax, higher tax bracket, inheritance tax, family trust, capital gains tax, stamp duty land tax, directors loans, incorporation route, long term, flip, different companies, tax advisor, options, language, expats, remote investors, podcast, newsletter

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106

You probably have a day job at the same time as trying to build a UK Property Portfolio.

You’re probably time poor.

The idea of having to allocate any of your precious time to working out what, let alone HOW to delegate tasks may lead to feelings of overwhelm. You don’t know where to start.

Dr. Steve Day, host of Systemize Your Success Podcast, was in a similar state when he moved to Stockholm with his Swedish wife and young family back in 2015 after already assembling a UK Property Portfolio.

With a degree in computing, systems analysis and design and a love of teaching it was probably inevitable that Steve would end up coaching others how to remove themselves from the daily grind by finding and training team members to help them.

In this episode, we learn how a meeting with personal development expert Dr. John Demartini convinced him to follow his twin passions for teaching and systemization.

During the episode, we discuss:

DIDACT: Steve’s model for systemization: Description, Input, Deliverable, Access, Checks, Time
Creating a recorded versions of tasks for delegation
Password systems such as Last Pass
Hiring help for overwhelmed solopreneurs
Improving the recruitment process

To Join our Mailing List to access our Due Diligence Checklist

Dr Steve Day’s DIDACT Framework

Dr Steve Day’s guide to hiring the right team members for your UK Property business

Dr. John Demartini’s guide to determining your Unique Hierarchy of Values

Episode#65: The E-Myth Revisited by Michael Gerber

To Follow the Show on InstagramTo leave an honest review of Expat Property Story
To tell us the one thing you’re struggling with in UK property

Keywords

traditional recruitment techniques, job postings, CVs, interviews, time-consuming, recruit right hiring system, values-based recruitment, top 10%, testing, recorded interviews, CV review, final interviews, skills assessment, attitude assessment, values assessment, communication assessment, professionalism assessment, lower dropout rate, increased employee satisfaction, UK property, benefits, employment, security, self-employed, UK-based company, status level, valuable skillset, job market, higher-paying jobs, virtual assistant, team member, growth opportunities, job titles, passwords, data protection, audit, mistakes, issues, access control, banking apps, CRMs, permission levels, user management, centralized password storage, LastPass, password managers, secure password sharing, password security,, premium account, business account, overwhelmed, social media tasks, brand guidelines, style guidelines, bios, photos, post requirements, website creation, copywriter, bookkeeping, low-value work, specialized skills, personal customization plan, task delegation, spreadsheet recording, task management app, Asana, Trello, red method, screen recording, task organization, due diligence questions, Laos, mailing list, Systemize Your Success podcast, sharing the show.

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105

Due diligence… Often talked about. Rarely explained!

This is the second instalment of a two-part special on due diligence with a primary focus on Companies House, featuring long-time friend of the pod, Sean the Property Tax Accountant.

Last week, Sean identified five types of due diligence: are commercial, operational, reputational, financial, and legal.

This week, we use this knowledge to look into the profile of someone from the world of property that many of you will know and see whether what they have said in the public domain matches the information held about them on Companies House.

At the end of the show, we reveal the identity of our mystery property person.

During the episode, we discuss:

· The importance for thorough due diligence

· Utilizing Company's House for due diligence on individuals or companies

· Reviewing company accounts and information on Companies House

· Asking for management accounts from company representatives

· Assessing financial position through management accounts

· Checking profitability, rental income, and interest rates on loans

Other Episodes Featuring Sean:

# 23: An Introduction to Sean the Property Tax Accountant

# 24: Property Ownership Structures (Limited Company or Personally Held)

# 25: Smart Property Company Group Structures

#26: Capital Gains Tax

#27: Compliance

#28: Tax Avoidance, Tax Evasion & Tax Planning

#29: Risk Management

#55: Property Tax Update with Sean the Property Tax Accountant Part 1

#56:Property Tax Update with Sean the Property Tax Accountant Part 2

To Follow the Show on InstagramTo Join our Mailing List to access our Newsletter
To leave an honest review of Expat Property Story
To tell us the one thing you’re struggling with in UK property

Keywords

research, controversy, scam, Companies House, review, company accounts, management accounts, financial position, profit, rental income, interest rates, loans, debts, types of due diligence, property developers, loans, commercial due diligence, housing market, renovations, mortgages, director, significant control, creditor and asset information

View Details

104

You’re thinking of working with someone in the UK. Maybe you hear them speaking on a UK property podcast like this one. Maybe you met them at a UK property meetup. Maybe you read about them in a UK property magazine.

Either way, you want to do your due diligence on them. You’ve checked them out on every page of Google. You’ve listened to them on every podcast you could find. You’ve spoken to people they’ve worked with. You’ve asked about them on UK property forums, WhatsApp groups and Facebook communities.

The last thing (or maybe the first?) is to check them out on Companies House. But this may be easier said than done.

In this episode, long-time friend of the pod, Sean the Property Tax Accountantidentifies five types of due diligence:

Commercial
Operational
Reputational
Financial
Legal

In the second part of this two-part special, we’ll be taking a deep dive into a mystery property person’s profile on Companies House to see if it matches what we know about them from what they say elsewhere…

FREE UK Property Meetups:

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month (Saturday September 2nd, 2023) from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (Wednesday 6th September, 2023) from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month (Saturday September 2nd, 2023) from 11:30 am

Other Episodes Featuring Sean:

# 23: An Introduction to Sean the Property Tax Accountant
# 24: Property Ownership Structures (Limited Company or Personally Held)
# 25: Smart Property Company Group Structures
#26: Capital Gains Tax
#27: Compliance
#28: Tax Avoidance, Tax Evasion & Tax Planning
#29: Risk Management
#55: Property Tax Update with Sean the Property Tax Accountant Part 1
#56:Property Tax Update with Sean the Property Tax Accountant Part 2

To Join our Mailing List to access our Newsletter
To leave an honest review of Expat Property Story
To tell us the one thing you’re struggling with in UK property

View Details

103

Sam Cooke is a dedicated entrepreneur with a passion for helping individuals start their own businesses.

Sam owns and runs Blue Bricks Magazine and also We Are Property Marketing an agency which does what it says on the tin!

In this episode you will learn the importance of marketing and branding when scaling a property business.

We’ll also get some handy hints on Search Engine Optimization or SEO and how to use AI platforms like Chat GPT to market your UK property business.

Sam also talks about why he didn’t enjoy sourcing UK property and discusses what makes a good property sourcer.

To Join our Mailing List to access our Newsletter
To leave an honest review of Expat Property Story
To tell us the one thing you’re struggling with in UK propertyBlue Bricks MagazineWe Are Property MarketingSam’s Desert Island Property Disc

Keywords:

multilets, service accommodation, regulations, upcoming episodes, 100th episode, highlights, lowlights, compilation episode, signature question, risk, property investing, podcast, insider tips, online course, due diligence, local plans, housing development, shopping centers, transport networks, ordinance survey maps, Google Maps, HMOs, SpareRoom, rental rates, market demand, spreadsheet, analyzing areas, success story, Singapore couple, desk-based research, letting agent, virtual investing, on the ground assistance, live HMO market, tenants, preferences, map view, ads, active profiles, market insights, portals, small estate agents, home.co.uk, Rightmove, Zoopla, onthemarket.com, sole subject to contract, fallen through sales, social media, Facebook, VUBA, Leafletting, UK landline number, Answer For You, PA All Day, process, systems, tools, budget, location, cities, conurbations, Birmingham, non-city areas, council tax, government, Valuation Office Agency, banding, pass the bill, flawed system, luck of the draw, good properties, economic cycle, giving up, search effort, multiple places, budget limitations, mortgages, demand, sources, amenity standards, Ordinance Survey Map, legal requirements, planning permission, article 4 areas, safe and comfortable, variety of properties, return on investment, profit, scaling, financial goals, mentoring program, 1-on-1 sessions, mastermind group, online program, downloadable templates, specifications, monthly webinars, testimonials, contact information, expat investors, target cities, corner shop, bus stop, Istanbul, Turkey, Valta Pontez, successful property investor, reading books, potential employees.

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Part 2 of our special feature on Risk.

If you’re going to be successful in building a UK property portfolio, you’re going to need to have a certain appetite for risk.

In Season One of my property podcast, at the end of each interview, I asked my amazing guests one simple question: 'What does the word RISK mean to you?'

These are MUST LISTEN episodes for building a UK Property portfolio featuring contributions from the finest minds in UK property:

Vanessa Warwick
Mike Stenhouse
Rob Dix
Jerry Alexander
Stuart Lordan
Simon Allen
Richard Brown
Stuart Ball
Ivan Goh
John Howard
Michelle Cairns
Helen Godbold-Eade
Peter Meek
Dale Smith
Rod Turner
Jon McDermott
Steven Pardoe
Bronwen Vearncombe
Jay Howard
Rehman Akhtar
Adam Lawrence

I also talk about our own Seven Deadly Risks: the seven riskiest things we've done while building our UK Property Portfolio.

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Keywords:

local experts, expat, offshore, consultants, spreading risk, smaller projects, big project, risk exposure, planning permission, high risk, remote location, existing planning permission, local plan, human decisions, close to home, better yield, mitigating risk, managing agent, tenanted property, unfamiliar area, disruption in markets, potential gains, understanding risks, Robert Kiyosaki, market knowledge, negative connotation, problem-solving approach, knowledge and understanding, exit strategies, comfort level of risk, worst-case scenarios, potential profitability, lessons learned, slow and steady growth, financial position improved, area review, market knowledge

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If you’re going to be successful in building a UK property portfolio, you’re going to need to have a certain appetite for risk.

In Season One of my property podcast, at the end of each interview, I asked my amazing guests one simple question: 'What does the word RISK mean to you?'

I withheld their answers for this two-part special on a topic you MUST understand if you are serious about investing in UK property.

These episodes feature contributions from the finest minds in UK property:

I also talk about our own Seven Deadly Risks: the seven riskiest things we've done while building our UK Property Portfolio.

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To tell us the one thing you’re struggling with in UK property Keywords:

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100

To celebrate our 100th episode, I reflect on the story so far and offer a compilation of ten of my favourite clips from the first 99 episodes that collectively sum up the story so far.

If you want to learn about investing in UK property, this episode condenses the lessons learned from all my amazing guests so far.

And there’s a nostalgic nod to past features such as Monopoly Challenge, Postcode Challenge and guests’ jokes.

If you’re an expat or not, this is a property podcast episode not to be missed!

Hong Kong Meetups take place on the first Saturday of each month from 11:30 am at the Urban Bakery in the Landmark Building in Central.

Dubai Meetups take place on the first Wednesday of each month from 7pm onwards at the Holiday Inn, at or in or on Science Park in Dubai .

Singapore Meetups take place on the first Saturday of each month from 10.30am @ the Providore (at VivoCity).

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To leave an honest review of Expat Property Story
To tell us the one thing you’re struggling with in UK property Keywordsexpat property story podcast, feedback, suggestions, grow a network, learn from guests, scale property business, weekly podcast, widely listened, property portfolio, student HMOs, flats, serviced accommodation units, family home, challenges, previous podcast episodes, discontinued features, guest joke, Manchester, Liverpool, smaller developments, high rise flats, customization, new build developments, historical context, deterioration, overpriced properties, rental prices, post code challenge, buying property, auction season, due diligence, cash buyers, expanding network, management companies, book direct playbook, referrals, top 20% guests, business model, total returns, discounts, compound interest, trust, research on people, property education, networking, motivated sellers, remote property investing, online networking meetings

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99

With prohibitive legislation on the horizon for Serviced Accommodation, Aparthotels as a business model is attracting the attention of those in the know.

Carly Houston has more experience than most in this field, having opened her first Aparthotel with her business partner in Brighton in 2017. They have since added a second.

In this episode, you will get top tips on how to plan and look for an Aparthotel.

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To tell us the one thing you’re struggling with in UK propertyThe Aparthotel RevolutionCarly Houston on LinkedInCarly’s Desert Island Property Disc Keywords1. studio suites, 2. sleep up to four people, 3. units that sleep two people, 4. accommodate larger groups, 5. small hotels, 6. guest houses, 7. rooms for two people, 8. Airbnb-type businesses, 9. one or two-bedroom apartments, 10. cleaning costs, 11. couples, 12. competitive pricing, 13. smaller groups, 14. fire regulations, 15. building needs, 16. phased approaches, 17. negotiations, 18. lenders' requirements, 19. bank financing, 20. private investor money, 21. refinancing, 22. adding value, 23. return on investment, 24. second property, 25. property investor, 26. HMO portfolio, 27. supported living schemes, 28. market research, 29. target audience, 30. clever design.

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98

Valter Pontes came from humble beginnings on a fairly remote island off the coast of Africa to being written about in Forbes magazine.

He attributes all his success to reading books. Lots of them!

Valter started his UK property portfolio by dropping out of university and using his student loan to sign up for a year long education course.

On the course, he learned to source property for others. And with the profits from his sourcing business. He started his own portfolio.

In this episode, we discuss my top ten UK property investment books which I reviewed in Episodes 58-68.

Valter also explains:

· Why he asks people to read 120 books before they start working with him

· Why he divides books into three categories: personal development, general business knowledge and specific business knowledge

· Why for every four properties he buys in the north, he buys one in the south

· How he sources property

· How he finds good builders in a new investment area

· Why he also invests in the U.S.

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To tell us the one thing you’re struggling with in UK propertyValter Pontes Website

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98

Finding a UK Property deals that stack has become more difficult with higher interest rates.

Buying at a discount is the holy grail of building a UK property portfolio. But how?

Getting in front of a vendor before the competition is key.

One way to achieve this is by running a Direct to Vendor Mail Campaign.

But is this possible as an expat or remote investor?

In this episode, Louise Jowsey shares her wisdom and experience gleaned from her 25 plus years working in Direct Marketing mainly for Royal Mail.

Tune in now to learn about:

· The impact of knowing the target audience

· Techniques to customize content

· Personalisation

· How to grab the reader’s attention

· The importance of the front page

· Envelope opening rates

We also talk about Loiuse’s charity work in Cambodia.

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To tell us the one thing you’re struggling with in UK propertyLouise Jowsey on LinkedInLouise’s Desert Island Property Disc

Keywords:

multilets, service accommodation, regulations, upcoming episodes, 100th episode, highlights, lowlights, compilation episode, signature question, risk, property investing, podcast, insider tips, online course, due diligence, local plans, housing development, shopping centers, transport networks, ordinance survey maps, Google Maps, HMOs, SpareRoom, rental rates, market demand, spreadsheet, analyzing areas, success story, Singapore couple, desk-based research, letting agent, virtual investing, on the ground assistance, live HMO market, tenants, preferences, map view, ads, active profiles, market insights, portals, small estate agents, home.co.uk, Rightmove, Zoopla, onthemarket.com, sole subject to contract, fallen through sales, social media, Facebook, VUBA, Leafletting, UK landline number, Answer For You, PA All Day, process, systems, tools, budget, location, cities, conurbations, Birmingham, non-city areas, council tax, government, Valuation Office Agency, banding, pass the bill, flawed system, luck of the draw, good properties, economic cycle, giving up, search effort, multiple places, budget limitations, mortgages, demand, sources, amenity standards, Ordinance Survey Map, legal requirements, planning permission, article 4 areas, safe and comfortable, variety of properties, return on investment, profit, scaling, financial goals, mentoring program, 1-on-1 sessions, mastermind group, online program, downloadable templates, specifications, monthly webinars, testimonials, contact information, expat investors, target cities, corner shop, bus stop, Istanbul, Turkey, Valta Pontes, successful property investor, reading books, potential employees.

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96

Wendy Whittaker-Large has been investing in UK property since 1996 so she is no stranger to the challenges of building a UK property portfolio.

She has developed a five-step process to buying HMOs:

· Finding

· Funding

· Finishing

· Filling

· Future-Proofing

In this episode, Wendy shares some of her insider tips and tricks that she hasn’t even told listeners of her own podcast, The HMO Success Podcast.

If you’d like more content, check out all of Season One in which I documented our acquisition of five student HMOs.

Other Episodes featuring HMOs: #50#82#92#94

Drop by, Tune in, Turn on!

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To tell us the one thing you’re struggling with in UK propertyThe HMO Success PodcastWendy Whittaker-Large’s websiteWendy’s’s Desert Island Property Disc

Keywords:

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95

Are you looking for alternative business models to run alongside or instead of UK Property portfolio?

Maybe you have a particular skillset that would enable you to buy businesses remotely in the same way you buy property?

When Alicia Barlow found that buy to let deals in the North-West had become less attractive in the Post Covid boom, she started looking at acquiring businesses to supplement her UK property portfolio.

However, Alicia stills invests in BTL and gives us some fantastic insights into where to look in the North-West to profit from the Manchester Ripple.

Come on in to find out why following the major developers is where the smart money is…

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Rose Alexander Property Ltd
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Expat Property Story podcast, investing in UK property, Alicia Barlow, alternative investment model, asset bank businesses, Manchester ripple, newsletter, community meet-ups, non-practicing accountant, buy-to-let business, Burnley, aerospace engineering companies, Darwin, investor's paradise, £45-100 million, town fund deals, Rochdale, bad council, HMOs, Preston, international students, investment criteria, Partners in Property, Manchester/Northwest area, membership, speakers, site visits, digital membership, Zoom meeting, property content, Facebook page, house prices, boohoo, HMOs, oversaturated market, commercial valuations, selective licensing, cash flow, contingency plans, managing risk, long-term investments, part-time landlord business, regulations, safeguards, McDonald's model, leasehold, residual income, capital growth, major developers, Hvidovre, Copenhagen, commercial portfolio strategy, economies of scale, bubble, privately-owned houses, modernising, transport links, funding, Manchester's ripple effect, Birmingham, London, new builds, civil engineering.

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94

This is one of my favourite episodes!

Saam Lowni has bucket loads of experience in property as an estate agent, investor, landlord, developer, YouTuber, lender and broker.

Saam has a long history in property, dating back to his childhood in Durham during the 1980s, where his parents would buy houses in coal mining villages for 2-3K, refurbish them, and sell them for 4-5K.

He soon convinced his family to add to their portfolio in the North-East of the country with properties across the North-East of London.

After a spell in Hong Kong, he returned to the UK, refinanced the family portfolio to raise cash to buy student HMOs in Kent and Coventry.

Tune in to find out:

· Why Saam prefers professionals to students

· Why he reduces rents to increase his overall returns

· Why he aims to be Best in Class

· How to find opportunities in Article 4 Areas

· What he thinks about investing in the North-East

We also tap into Saam’s experience in property finance to get a beginner’s guide to terms such as Capital Stack / Mezzanine Finance / Unitranche Financing / Stretch Lender / Senior Debt / Juniour Debt / Intercreditor Agreements and more!

Subscribe to our Mailing ListTo leave an honest review of Expat Property StoryTo tell us the one thing you’re struggling with in UK propertySaam Lowni on LinkedInMerryoaks Property FinanceProperty People on YouTubeSaam’s Desert Island Property Disc 1Saam’s Desert Island Property Disc 2

Keywords:
Asana, VA, property manager, letting agent, certificates, documents, insurance expiries, utilities, data scraping, Nimbus Maps, LinkedIn, organization, structure, templates, Dropbox, back end, systems, procedures, phone systems, document storage, photos, descriptions, overseas VAs, strengths, weaknesses, administrative tasks, social media, bad habits, training, centralized storage, Google Drive, tenant management, maintenance management, legal compliance, free tools, paid systems, HMOs, procrastination.

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93

Do you need to systemize your UK property business?

Michael Gerber, author of one of my favourite UK property investment books, The Emyth Revisited, encourages entrepreneurs to aim at creating a business that is system dependent rather than people dependent.

Latoya McDonald is a property systemization expert who writes for YOur Property Network magazine, and is host of the podcast Outsourcing Your Property Business.

Latoya shares tips on centralizing storage spaces for property business-related files using Dropbox and Google Drive, and using Asana for organizing workflows.

She also highlights the importance of documenting everything in a business if not to achieve then at least to to aim for passive income.

The speaker recommends using specialized virtual assistants sourced through agencies and provides a one-page checklist and short video for each task.

Additionally, the podcast offers insights on investing time into building the back end of a property business, the different roles of virtual assistants, and the importance of 'letting go'.

Tune in to this informative episode for a wealth of knowledge and tips on becoming a successful UK property entrepreneur.

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91

Are you looking to get into HMOs as an expat?

On this episode of Expat Property Story, Andy Graham, host of The HMO Podcast shares his expertise on houses of multiple occupancy (HMOs).

He emphasises the importance of detailed research in UK property investment and discusses different factors such as yield, tenant type, and location before delving into the complexities of investing in Article 4 areas.

Andy has invested in many different areas of the UK so is well placed to advise on where to look.

He advises expats with limited capital to explore areas with value-add potential and to build a network of contacts to hunt down opportunities.

The episode concludes with a detailed explanation of Certificates of Lawful Use.

Tune in to learn from Andy Graham's wealth of experience in HMO investment strategies.

To Join our Mailing ListTo leave an honest review of Expat Property StoryTo tell us the one thing you’re struggling with in UK propertyThe HMO Podcast
The HMO Community
To listen to Andy's Desert Island Property Disc

Keywords: HMOs, podcast, mailing list, property market, Andy Graham, physiotherapy, UK towns, London, southeast, Thailand Property Disc, due diligence, location, investment criteria, property type, tenant, yield, cash flow, social and demographic issues, hands-on, capital appreciation, student properties, Article 4 areas, oversupply, competition, Coventry, Liverpool, suburban areas, transport links, infrastructure programs, property data, Nimbus, mouse price, letting agents, networking, real estate, relationships, investments, portfolio owners, recycling cash, value-add potential, planning permission, certificate of lawfulness, councils, picky, license, Liverpool council.

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#91

No amazing guests this week because I thought you might like to hear about mine and my wife's experience of buying property here in Hong Kong

This episode explores some of the questionable tactics developers and sales agents use to get prospective property purchasers to put their hands in their pockets, including lotteries, lucky draws and luxury amenities.

After several failed attempts, we finally got our feet on the Hong Kong housing ladder and bought a tiny one bed apartment off plan on the lowest floor of a new build development in the New Territories.

We watched on with excitement as the property gained 50% in value while it was being built giving us a potential profit of £200,000!

But circumstances conspired against us as Stamp Duty rules, Donald Trump and the Hong Kong protests lowered the value and we were left trying to catch a falling knife…

Tune in to find out how this particular Expat Property Story concludes!

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sales agents, commission, unregulated, upmarket locations, new developments, aggressive marketing, brochures, business cards, lottery, apartment, hotel, exhibition center, lesson learned, property investment, equity, COVID lockdown, property sales event, nature documentary, meetup, Dubai, three-bedroom apartment, pressure, pushy agents, mortgage, good debt, bad debt, lottery system, registering interest, lucky draw, rigging, incentives, research, auctioning, valuation, financial constraints, secondary market, upfront payment, mortgage comparison, offset mortgage, rental market, oversupply, off-plan developments.

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#90

On this episode of Expat Property Story, we dive into the world of specialist finance in development projects.

Our guest, Steve Hand, shares his valuable insights as a seasoned mortgage industry expert with 23 years of experience.

We discuss various topics such as commercial valuations, investment diversity, and finding the right lender for your project.

We also look at the pros and cons of investing in serviced accommodation and why it's essential to calculate the true cost of loans and mortgages.

Join us as we share real-life examples of clients and projects, such as the case of two ex-guest houses in Morecambe that were reconfigured into an Aparthotel with the help of a commercial-type lender.

Don't forget to listen out for a listener review from Matthew in Singapore, who shares how the podcast has helped him take action in property investment and get answers to his questions. All this and more on Expat Property Story.

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To listen to Steve’s Desert Island Property Disc

diversity, business model, location, strategy, tenant type, mortgage types, broker, due diligence, value, running costs, yield, lenders, bricks and mortar, compromise valuation, specialist finance, development projects, land registry, restricted covenants, income, serviced accommodation, COVID, holiday lets, commercial type lender, interest rate, product transfers, underwriting, borrowing amounts, assets, loan to value, true cost, spreadsheets, gut instinct, short-term products, long-term products, early repayment charge, Steve Hand, mortgage industry, Express Mortgages, property finance market, listener review, Singapore.

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89

Adam Lawrence has an MA in Philosophy, Politics and Economics from Oxford University and has also been involved in more than 500 property deals in the last decade. You could call him a Propernomist!

On this episode of Expat Property Story, we discuss the importance of population growth forecasts and due diligence when investing in property.

Adam also shares his ‘crumb style approach’ to testing new partnerships and explains the importance of being part of a community in the property industry.

And we explore the role of meticulous research and strategy in achieving above-average returns as an expat UK property investor.

Tune in to hear more about these topics and the importance of being a prudent manager of risk in the property industry.

This is another MUST LISTEN episode.

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To follow Adam’s Sunday Supplement

To listen to Adam’s Desert Island Property Disc Population growth forecasts, due diligence, property partnerships, community building, industry experts, expat struggles, capital growth, rent roll, property investment, demographics, property data, leverage, risk management, property buying methods, control vs. delegation, relationship building, backup plans, property portfolios, refurbishment expenses, interest rates, managing assets, property investment strategy, word of mouth recommendations, company filings, liquidation events, fracturing marketplaces, institutional ownership, rental culture, total returns, pandemic risks, compound interest, business partnerships, reading people, meticulous research, real estate trusts, property networking, expat banking, solutions through networks.

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88

Mike Hanning is a Hong Kong Kong based expat who has so far invested in his hometown of Edinburgh in Scotland, which has been called the Mecca of Serviced Accommodation.

So you would think that this short-term business model would be the equivalent of the Chance Card in Monopoly which says Advance to Go. Collect £200.

However, it’s not that straightforward as Mike reveals in this must-listen episode for those interested in investing in Scotland.

The changing landscape for Scottish property investors makes choosing SA in Edinburgh (and Glasgow) over standard buy-to-lets not as clear cut a decision as it perhaps once was.

And Mike is the perfect person to give us the facts as he has one serviced accommodation unit and one buy-to-let.

This episode explores the complications of the Scottish Property market and also examines the effect of rent freezes on the housing market (spoiler alert… it’s not good!)

Join us as Mike mulls over his next move!

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To listen to Mike’s Desert Island Property DiscRedevelopment, COVID, quarantine rules, furnishing tasks, odd jobs, Edinburgh, architect friend, distance, Scottish property buying system, investment property, short-term accommodation, council restrictions, Scottish government, rental cap, rental stock, property investors, expat, serviced accommodation model, review, mailing list, yields, rent increases, cost of living crisis, mortgage costs, tenanted property, spreadsheet data, short-term rental regulation, grandfather rights, UK, ruling, tenement buildings, shared access, residential tenants, Glasgow, Dundee, purchase prices.

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87

As an expat / remote investor investing in UK property, one of your biggest challenges is finding a UK property sourcer you can trust.

This week’s guest is Dean, a Hong Kong based expat, who found this out to his cost after finding himself fleeced by a sourcer on Facebook.

Determined that this should not happen to others, he set up PropSourcer, a platform for connecting UK property investors with verified UK property sourcing companies.

Dean has some great advice for property investors such as checking that any sourcer you’re thinking of working with is a member of one of the redress schemes such as The Property Redress Scheme (PRS) or The Property Ombudsman, (TPO).

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To listen to Dean’s Desert Island Property Disc

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86

This episode shines a light on how your property business could look in the future.

Jackie Tomes explains how she bought a £1.8 million block of flats with none of her own money.

Alongside her business partner and husband, Dave, she argues properties in this price bracket have less competition as the numbers are too scary for smaller investors and too small for pension funds.

During the interview we touch on factors affecting private investing and how Jackie has found that it’s better to attract investors first and then look for deals rather than the other way around.

To Join our Mailing ListTo leave an honest review of Expat Property StoryTo find out more about Jackie’s Accelerator Program

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85

Jackie Tomes and her husband, Dave have accumulated a wealth of UK property experience through building their £15 Million portfolio in and around Thanet in the South-East of England.

After briefly falling victim to Shiny Penny Syndrome, they refocused their energy on adopting a business model consisting of acquiring and managing blocks of flats.

By systemising, refining and adapting this model, they are now able to manage their business remotely, leaving them free to spend their time travelling around Europe in their camper van, while also helping other property investors to build their own portfolios.

Jackie argues that in the current climate of high interest rates, expats looking to build a UK property portfolio may be best advised to look to HMOs as their business model of choice and to see buying in Article 4 areas as an opportunity rather than a problem.

Jackie also has some valuable advice around how to apply structure to your business.

This episode also tells the light-hearted story of how we tried to flip a sheep for profit in our first holiday for three years in Kyrgyzstan and how the lessons learned relate to property.

If you have an expat property story to share, don’t be shy, get in touch!

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84

It’s a schoolboy error… a missed penalty in the last minute of the World Cup Final in which I didn’t even hit the target, but blazed the ball high over the bar and nearly killed a pigeon.

Are you fed up with the Property Glory Stories?

Would you like to hear about the bad stuff?

Come on down for a dose of reality.

This episode aims at brutal honesty and is different to any other property podcast episode you’re likely to hear.

Turn Up… Tune In! Don’t Drop out.

And Check out Annie Duke, who features in this episode.

If you have an expat property story to share, don’t be shy, get in touch!

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To leave an honest review

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83

Are you going to Scarborough? It’s definitely something you should think about, given that Scarborough Borough Council has approved a £2.25m budget for the return of the Scarborough Fair which was last held in the 18th Century and has now been reimagined as a year-round programme of arts, heritage, culinary and sporting events funded by £1.2m from the government's Town Centres Fund.

So if you’re looking to ‘sweat your assets off’, then Scarborough is definitely an option considering that housing stock is cheaper there than in its affluent neighbour Whitby.

And if you’re looking for someone to talk to regarding luxury holiday lets in Scarborough, then you’d be hard pushed to find someone more in the know about this seaside hotspot than this week’s guest, Louise Tomlinson of LOCL Properties.

And even if Scarborough is not your investment area of choice, there is a lot of useful, valuable, and thought-provoking content in this instalment to last you at least until next week’s episode!

If you have an expat property story to share, don’t be shy, get in touch!

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Louise’s Desert Island Property Disc

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82

Suresh Mistry and his wife Natasha took the well-trodden expat path of renting out their family home and heading abroad for higher earnings, lower taxes and expat property possibilities.

Their story took them from London to Singapore to Switzerland while building a mixture of buy to lets in Barnsley, Liverpool and Ipswich.

Their expat property story may help your expat property story which may help other remote investors to reach their goals.

If you have an expat property story to share, don’t be shy, get in touch!

Subscribe to our mailing list.

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To connect with Suresh & Natasha on Instagram.

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81

Are you an expat property investor with a full time job? Do you wish there were more hours in the day? Are you able to make the most of the hours available to you?

Systemising your UK property business not only creates efficiencies but also enables other people to share the workload.

Helen Turner is the co-founder of COHO, an all-in-one property management software specifically built for HMOs.

Helen shares some tips around putting processes in place to optimise the performance of your property business.

Document storage, mastering your calendar and getting the most out of XL are three of the topics touched upon in this episode.

And Harry Styles makes an appearance as Helen's Desert Island Property Disc. Find out why...

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80

Acquiring high yielding assets is the smart investor’s way to stay ahead of inflation and high interest rates.

But with so many short-term rental businesses going under during Covid due to an over reliance on Airbnb, Serviced Accommodation investors ignore the power of direct bookings at their peril.

Mark Simpson is the host of the Boostly podcast, and the author of three books on helping hospitality hosts thrive.

He’s on a mission to help one million short term rental businesses cut down on their over-reliance on Online Travel Agents.

This episode explores the ways in which expat and remote investors can manage their management agencies.

Mark highlights the questions to ask your managing agent to see whether they’re maximising your returns with direct bookings.

By drilling down on your avatar, and concentrating on referrals from existing clients, you can sweat your asset even harder.

Mark also has some handy hints for due diligence in your target areas.

If you’re into SA, this is a must-listen episode!

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Mark’s Desert Island Property Disc

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79

The third and final instalment of this three-part special details how we raised the money to purchase the two properties that made us 126K from UK property in two days.

If you’re interested in raising finance for your deals or investing in other people’s deals then this episode could help you consider some of the factors worth factoring!

We also reflect on the three main lessons we learned from this experience:

· Having your power team in place

· Having a network

· Performing when the time comes

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Following hot on the heels of Part 1 (#77), this episode takes off where yesterday’s left off as the race is on to exchange contracts on a 150K 3-bed semi in Nottingham that is arguably (by me anyway!) discounted to the tune of £60,000!

Fortunately, it’s Friday 4pm by the time we agree to buy, so we have the weekend to carry out more due diligence, arrange our own mining reports and prepare for exchange of contracts, which successfully goes through on the Monday.

On the Tuesday, a previously dead deal comes back to life.

But… only if we can exchange within SIX HOURS.

This episode, the second part of a three-part special, also contains details on how you can join our mailing list to be in with a chance of winning a copy of Bronwen Vearncombe’s Amazon best-selling book, ‘Building Your Dream Life: How Property Can Help You Quit The Rat Race’

Subscribers will also receive our 23 step guide to buying UK property at auction and our monthly newsletter.

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77

Be greedy when others are fearful is one half of Warren Buffet’s famous quote and was at the forefront of our thoughts when first one then another deal came up on consecutive days in November 2022.

This was a time when most investors were deserting the UK property market in the wake of the government’s disastrous mini-budget just weeks previously.

Today’s episode is the tale of how we took advantage of the situation to buy two properties on successive days at a collective discount of £126,000.

Part 1 sets the scene and demonstrates the need for speed when opportunities present themselves and bargains are to be had.

This three-part special also contains details of our newly launched website and email subscription service giving access to our 23 step guide to buying at auction and our newsletter.

And if you subscribe, you will also get the chance to win a copy of Bronwen Vearncombe’s Amazon best selling book “Building Your Dream Life: How Property Can Help You Quit The Rat Race”.

Don’t be shy! Get in touch...

To leave an honest review

Building Your Dream Life: How Property Can Help You Quit the Rat Race

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76

Building a UK property portfolio undoubtedly has many benefits but perhaps the best thing it affords, if you get it right, is the chance to be both financially and location independent.

Julie Talbot started building her portfolio in and around her hometown of Salford in Manchester, before following her husband to Abu Dhabi.

After fine tuning their remote investing skills, and with their children in tow, they now go wherever takes their fancy.

Julie has two rules when it comes to managing their portfolio:

1. She doesn’t fly back to the UK for property related matters.

2. She doesn’t answer the phone

Listen now to find out why.

Don’t be shy! Get in touch at www.expatpropertystory.com

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Julie Talbot’s website

Listen / Watch Julie’s Desert Island Property Discs here & here

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75

Are you an expat thinking of investing in UK Property? Are you a UK property investor thinking of becoming an expat? Are you an expat UK property investor thinking of returning to the UK as a 'Repat'? If the answer to any of these questions is YES, then this is the episode for you.

And if not, well come in anyway, everyone’s welcome!

As a business & economics teacher and coming from a family that dabbled in buy-to-lets, Paddy Horsington has long since understood the power of property.

He had already amassed a decent portfolio when he was offered the chance to swap Somerset’s cider with Bangkok’s Sang Thip and while his colleagues blew their bonuses on the expat high life, Paddy chose to spend his on property.

Easier said than done! Download now to find out why his first three attempts came to nothing, how he finally landed a UK property as a remote investor and how Amy Winehouse gets a mention on this week’s show.

Paddy also shares some great tips for expats, repats and everything in between!

To leave an honest review

Listen / Watch Paddy’s Desert Island Property Disc here

Don’t be shy! Get in touch at www.expatpropertystory.com

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74

Fed up with working in supermarkets in the North West of England, Darren McNeill of FMP Property Groupstarted keeping a Progress Journal on Property Hubin February 2017 as he started to build his property portfolio.

At that stage he only envisaged buying a few Buy to Lets. But as he documented his progress on his journal, private investors started contacting him to lend him money so that he was able to scale his property business which now stands at 25 properties.

Unknown to him until we recorded this interview, Darren’s journal played a significant role in both my own property story and this podcast!

Listen to Darren’s inspirational story as we discuss the many benefits of keeping a property journal.

Another must listen episode!

To contact Darren on WhatsApp: 0790840351

To leave an honest review

Darren’s Desert Island Property Discs is: Beautiful Day by U2. Listen to the show to find out why…

Don’t be shy! Get in touch at www.expatpropertystory.com

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73

Dubai based Scottish expat Mike Lawson of Lawson Lettings has scores of mostly residential units with a GDV of nearly £10 million pounds WITHOUT giving up his day job!

But if you’re thinking, ‘Greedy landlord’, think again, as Lawson Lettings’ mission is not to be the biggest landlord in Fyfe, but the best!

During the interview Mike explains why the days of the hobby landlord are numbered and talks about the importance of systemising your property business if you want to scale.

He also has a word of warning for others looking to scale their UK property portfolio, so if that’s you, this is an Expat Property Story NOT to be missed!

Mike’s Desert Island Property Discs is: I’m Still Standing, by Elton John. Listen to the show to find out why…

Please rate, review and follow the show at www.expatpropertystory.com

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72

Property can be a lonely place, and even more so as an expat investing in UK property, so the more Expat Property Stories we hear, the better for our Expat Property Community.

Peter Sell is an expat property investor based in Singapore and, in this episode, he recounts the resourceful way in which he found his mentor and UK property partner, the challenges he has faced growing his portfolio in Liverpool and his five year property plan.

He has so far bought three buy to lets: one via Right Move, one via auction and one off market.

Pete was greedy and chose two Desert Island Property Discs: The Long and Winding Road, by The Beatles and Tubthumper by Chumbawumba.

Please rate, review and follow the show at www.expatpropertystory.com

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71

This episode contains loads of value for those getting started, those with experience and everyone else in between!

At any one time, property investor Danny Inman has a £25 million pipeline of projects in development so he knows a thing or two about property.

As the founder of the Prosperity Network, Danny is also passionate about the importance of both education and community, and has mastered the art of networking so much so that he receives 8,000 notifications a day.

Fortunately he keeps his phone on silent.

In this wide ranging interview, we talk about scaling up ahead of the curve, how return on time invested is so significant and why hobby landlords are becoming a thing of the past.

Danny's Desert Island Property Disc was More Money More Problems

Please rate review and follow the show at www.expatpropertystory.com

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70

If you need some inspiration to kick start your 2023 Property Story, then this episode is for you.

North East investor Terry Blackburn left school at 16 with no qualifications, having been written off by his teachers who had told him he’d never achieve anything in life. Terry has gone on to run seven businesses and counting, winning multiple awards along the way.

Terry also has a portfolio of Single Lets, HMOs, Serviced Accommodation, Hotels and a Glamping Site and puts forward some convincing arguments for investing in the North East.

If his story can't inspire you, then perhaps property is not for you!

Follow this link to hear Terry Blackburn's Desert Island Property Disc!
Please rate, review and follow the show at www.expatpropertystory.com

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#69

Finding a build team and / or a project manager from abroad is often the most challenging aspect of the Buy, Refurbish, Refinance business model. Richard Stone is relatively new to serviced accommodation but with a wealth of business expertise and a 30+ year background in construction, he is the perfect person to reverse engineer a strategy for this business model. This episode is packed full of tips and tricks for managing projects remotely and if you’re investing in any kind of refurb project, this is a must-listen extravaganza! Not only will it help you find a build team, it may keep you out of jail too! This week also sees the introduction of a new feature called “Desert Island Property Discs” in which guests pick out a song related to property and explain why they chose it.Please rate, review and follow the show and if you’re an expat property investor with a story to share, please get in touch via the podcast website.

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68

Our mini-season of bite-sized daily episodes celebrating the Twelve Days of Christmas 2022 culminates in this final episode announcing the winner of our Top Ten Books for Expat Property Investors.

It’s Think & Grow Rich by Napoleon Hill

This timeless title is as relevant now as it was when first published back in 1937.

Many of the ideas that are thought of as modern now, such as Mastermind Groups, self-affirmations and working on your mindset were all well and truly alive back in the early 20th Century as evidenced by 'Think and Grow Rich'.

Please rate, review and follow the show and if you’re an expat property investor with a story to share, please get in touch via the podcast website.

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67

Before the Hammer Falls and its authors have had a huge impact on my Expat Property Story in 2022, as revealed in Season Two of the podcast (Episodes 35-53) and as such sits in second place in our Top Ten Books for Expat Property Investors.

This book literally delivers what it says on the tin and is packed full of enough information to give you every chance of success buying UK property at auction and contains a chapter about selling too.

This episode is the penultimate bite-sized daily episode celebrating the Twelve Days of Christmas 2022.

Please rate, review and follow the show and if you’re an expat property investor with a story to share, please get in touch via the podcast website.

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66

I love Blink: The Power of Thinking Without Thinking by Malcolm Gladwell and the only reason it’s not number one in our Top Ten Books for Expat Property Investors is because it’s perhaps less applicable to property than the two titles above it on the list.

Blink is a book about how we think without thinking, and how brilliant decisions are often made in the blink of an eye, but built on the foundation of years of experience. It examines why some people are able to follow their gut and win, while others fail and explores why the best decisions are often those hardest to explain to others.

I explain how this concept has informed my own Expat Property Story.

This episode is the tenth bite-sized daily episode celebrating the Twelve Days of Christmas 2022.

Please rate, review and follow the show and if you’re an expat property investor with a story to share, please get in touch via the podcast website.

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#65

The main message behindThe E-Myth Revisited: Why Most Small Businesses Don’t Work And What To Do About Itisthat, to be successful, you need to work ON your business rather than IN your business.

Michael Gerber’s book sits just outside the top three in our Top Ten Books for Expat Property Investors which forms the basis of this mini-season of daily episodes celebrating the Twelve Days of Christmas 2022.

The E-Myth Revisited suggests that if your business depends on you, then you don't have a business, you have a job and advises entrepreneurs to aim at creating a business that is system-dependent rather than people dependent.

Please rate, review and follow the show and if you’re an expat property investor with a story to share, please get in touch via the podcast website.

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64

Happy New Year

On the 8th Day of Christmas 2022, our mini-season of daily episodes takes a break from counting down the Top Ten Books for Expat Property Investors as I run through what each letter in the phrase, HAPPY NEW YEAR, means to me.

This episode serves as a reflection on my Expat Property Story so far and outlines our plans pushing forwards.

H is for Hard Work

A is for Auctions

P isfor Podcast

P is for Perform

Y is for Why?

N is for Network

E is for Essential Information Group

W is for Wish

Y is for You

E is for E-mail list

A is for Analysis

R is for Rebranding

Please rate, review and follow the show and if you’re an expat property investor with a story to share, please get in touch via the podcast website.

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63

Tax Planning for Non Residents & Non-Doms by Nick Braunforms part of a series of books published by Taxcafe, and is a must-have book for Expat Property Investors.

As property investors, it’s best to start with the end in mind, which is no easy task in itself, and is compounded by the intricacies and complications of tax planning as an expat or a ‘repat’.

This book and others in the series will help you navigate this complex area and make better expat property investment decisions.

This bite-sized episode was published on the seventh day of Christmas 2022 and is in fifth place in our Top Ten Books for Expat Property Investors.

Please rate, review and follow the show and if you’re an expat property investor with a story to share, please get in touch via the podcast website.

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62

Never Split the Difference by Chris Vossis THE go-to book about negotiation, a vital skill in the toolbox of property investors.

This bite-sized episode was published on the sixth day of Christmas 2022 and is in sixth place in the Top Ten Books for Expat Property Investors.

Never Split the Differencecontains lots of practical tips on the art of negotiation and argues that in business, a successful conclusion is one with which both sides are happy.

Please rate, review and follow the show and if you’re an expat property investor with a story to share, please get in touch via the podcast website.

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61

Day Five in our Christmas 2022 mini-season counting down the Top Ten Books for Expat Property Investors and Influence: The Psychology of Persuasion by Robert B Cialdinisits in 7th place.

This book explains the psychology of why people say yes by presenting six universal principles that teach you not just how to become a skilled persuader but just as importantly how to defend yourself against them.

Please rate, review and follow the show and if you’re an expat property investor with a story to share, please get in touch via the podcast website.

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60

This is the fourth pocket-sized podcast episode in this Christmas 2022 mini-season counting down the Top Ten Books for Expat Property Investors.

The Millionaire Fast Laneidentifies three routes to wealth: the sidewalk, the slow lane and the fast lane. encourages those seeking wealth to Author M J DeMarco demonstrates why the fast lane is his choice.

Please rate, review and follow the show and if you’re an expat property investor with a story to share, please get in touch via the podcast website.

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59

The third in our Twelve Days of Christmas (2022) mini-season of bite-sized episodes reviewing the Top Ten Books for Expat Property Investors

In ninth place isPredictably Irrational by Dan Ariely, which explores Behavioural Economics and contains many though provoking case studies which can be related to property investing.

Please rate, review and follow the show and if you’re an expat property investor with a story to share, please get in touch via the podcast website.

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58

In this, the second instalment of our Twelve Days of Christmas (2022) mini-season of bite-sized episodes, we review two books published this year, both by former guests of the pod…

The books both tackle the subject of finance though from different angles and are in equal tenth place in our Top Ten Books for Expat Property Investors.

The Price of Money: How to Prosper in a Financial World That’s Rigged Against You by Rob Dix offers a jargon free insight into how we got to where we are right now with super inflation high interest rates making property investing even more tricky than ever.

The Complete Guide to Property Finance: Toolbox of 50 Financing Solutions Beyond Buy-To-Let by Richard Brown provides details of all the different funding options available to property investors from traditional long-term lending to more sophisticated strategies such as purchase lease options, delayed completion and even vendor finance.

Please rate, review and follow the show and if you’re an expat property investor with a story to share, please get in touch via the podcast website.

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57

To celebrate Christmas Day, 2022, I asked some of my amazing guests from previous episodes to recommend their favourite resource for property investors. Some were so generous they made more than one suggestion!

Contributors include Stuart Ball, Lisa Brown, Vicki Wusche, Richard Brown, Peter Meek, Sally Smith, Jeremy Prior, Jake Barlow, Jerry Alexander, David Sandeman, Sean the Property Tax Accountant, Rod Turner, Andrew Brown, Sam Watterson, Rob Smalbone, Harriet Dunn and Helen Godbold-Eade.

There are also details of a Christmas competition with a fantastic prize.

This episode is the first of twelve daily bite-sized episodes for the Twelve Days of Christmas.

Please rate, review and follow the show and if you’re an expat property investor with a story to share, please get in touch via the podcast website.

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56

In the second part of our tax update following the disastrous mini-budget of September delivered by then Chancellor, Kwasi Karteng, friend of the podcast Sean the Property Tax Accountant looks at what was included in the subsequent Autumn Statement delivered by his successor, Jeremy Hunt, and perhaps crucially, speculates as to what was not but may be later!

Please rate, review and follow the show and if you’re an expat property investor with a story to share, please get in touch via the podcast website.

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#55

Now that the dust has settled on the fallout from the ill-fated mini budget in late September 2022, friend of the podcast Sean the Property Tax Accountant helps you to keep up with all the changes.

In the first part of this two-part property tax update, Sean talks us through what was introduced what was reversed and what was retained.

One potential issue to look out for relates to group structures and during the show, Sean referenced this article.

You can find out more about Sean the Property Tax Accountant

If you’re an expat property investor with a story to share, please get in touch via the podcast website.

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54

How easy is it to buy, refurbish and refinance from Dubai?

Expat Jim Pittman loves refurbishing properties so much that he has project managed a couple of them from his home in Dubai, which has been a challenge.

He has lots of knowledge and experiences to share, so check out his expat property story in today's episode.

Please rate, review and follow the show and if you’re an expat property investor with a story to share, please get in touch via the podcast website.

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53

Auction Tales of the Unexpected

With nearly 3,000 lots put up for auction in the UK Property market each month, there’s bound to be some strange stories?

As the auction season draws to a close, this episode offers some tales of the bizarre told by some of the most respected figures in UK property auctions.

Humour aside, there are some valuable lessons to be learned within these amazing anecdotes.

Contributing to this season closer are, in order of appearance: David Sandeman from EIGJay Howard from Hammered, Saif Derzi from SDGB Properties, Andrew Brown from Strettons, Piotr Rusinek also from Hammered, Sally Smith from LoveittsMary Wang, Rod Turner, host of the Rodcast podcast,

And if you’re an expat property investor with a story to share, please get in touch via the podcast website.

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52

Do you want to know about the fastest growing sector of the UK property market? Then you're in the right place. This episode and #51 contains information, guidance and expertise around the so-called Modern Method of Auction.

And there is a case study too! Jim Pittman, an expat property investor currently based in Dubai bought a buy to let property in Crewe. Listen to his story here...

Contributors in this must-listen two part extravaganza: Jay Howard from Hammered, David Sandeman from EIG, Andrew Brown from Strettons, Sally Smith from Loveitts, Jeremy Prior from Auction House UK, Ed Mead from Viewber, Jim Pittman from Dubai and Rod Turner host of the Rodcast podcast.

And if you’re an expat property investor with a story to share, please get in touch via the podcast website.

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51

Half of What You Need To Know About the Modern Method of Auction

The so-called ‘Modern Method of Auction’ is a controversial sector of the UK property market which gives rise to strong feelings from all concerned.

This two-part special studies this fast-growing area of the auction world from buying, selling and auctioneers’ perspectives.

The other half of what you need to know about the Modern Method of Auction follows in Episode 52...

And if you’re an expat property investor with a story to share, please get in touch via the podcast website.

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50

If you agree that securing a high yielding asset at a discount price is the way to satisfy the stress tests and beat inflation, then step this way!

Dave So of Nottingham Lettings and Sam Watterson of Watts & Co are HMO experts in Nottingham and Leeds respectively, so they’re well placed to deliver their expertise, knowledge and experience of this lucrative business model.

This episode explores positive and negative implications of Article 4 directives in both cities, implications which may lead to exciting opportunities for those who can think laterally.

And if you’re an expat property investor with a story to share, please get in touch via the podcast website.

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49

Are you looking for tips on how to analyse an auction catalogue? Then this is the episode for you!

With just 2 weeks to spare in my four-month Expat Auction Challenge, I reveal how I finally managed to bag a UK property.

Listen now as I reflect on the lessons learned with the help of Ed Mead of Viewber, Jay Howard & Piotr Rusinek of Hammered and Patrick Sullivan of Red Brick Sales & Lettings.

Rate, Review and Follow the Show at www.expatpropertystory

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48

Have you been put off buying UK property at auction due to the intimidating atmosphere of a live auction?

Join me as I make my first foray into the exciting, adrenaline pumping cauldron of a live auction. The property is a two-bed terraced house in Stoke.

Auctioneers Sally Smith of Loveitts and Andrew Brown of Strettons give us valuable insights into the techniques and strategies adopted to squeeze the last few pounds out of buyers to secure the best possible price for their clients.

Andrew calls it 'schlepping the bones out of it', and, knowing how they do it may help you avoid paying more than you intended at auction.

Dave Goodfellow of Ikonic Propertymay well have wished his wife and father-in-law had heard this episode before they paid 20K more than Dave had instructed when buying their first investment property many years ago.

Listen now to see if this is the deal that results in a happy conclusion to my self-imposed four-month challenge to buy a property at auction from my home on Hong Kong without setting foot in the UK.

If not, only three weeks remain…

This week’s show also features contributions from Dave Goodfellow of Ikonic Property and Jay Howard of Hammered.

Rate, Review, and Follow the Show!

And if you’re an expat property investor with a story to share, please get in touch via the podcast website.

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47

Are you serious about buying property at auction? Never has the expression ‘Knowledge is Power’ been more fitting than in the world of UK property auctions.

Knowing that a property was unsold at auction a couple of months previously may be all the information you need to make a cheeky pre-auction offer.

This is the kind of Essential Information that a young developer called David Sandeman wanted access to back in 1990.

It wasn’t available, so he found it himself and shared it with others. His Essential Information Group portal is now THE resource tool of choice for UK property auction buyers and sellers.

David’s story is an inspirational one you won’t want to miss!

Meanwhile, my Expat Auction Challenge to buy a UK property at auction within four months without setting foot in the UK enters Week 13. Time is running out.

Piotr Rusinek of Hammered also contributes to this week’s show.

Rate, Review, and Follow the Show!

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46

Do you wish you had a property crystal ball?

At least one auctioneer thinks that November's auction will be a litmus test for the next 12 months.

And what happens in the auctions today will be reflected in the wider property market in six months' time.

So who better to give us the inside scoop on the auction world than Jeremy Prior, director of Auction House UK, who run more than 40 auctions throughout the country.

Meanwhile... I finally make a pre-auction offer!

This episode also contains a case study on how the likely rises in interest rates could have a drastic effect on investors using short-term finance for their deals. Deatial can be found here.

Other contributors to this week's show: Andrew Brown, auctioneer for Strettons, Sally Smith, director and auctioneer for Loveitts, Rod Turner, host of the Rodcast and Piotr Rusinek from Hammered.

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45

Only FIVE weeks remaining for a successful conclusion to my Expat Auction Challenge… or Egg In My Face!

This week, I look at a freehold block of three cottages just outside Scarborough with the help of Louise Tomlinson of LOCL Properties. This deal demonstrates the need to consider both your medium exit when looking to exit a bridge and your long term exit when looking to sell the asset to someone else on the open market.

We also hear from Sally Smith, auctioneer and director of Loveitts who offers her opinion on whether the world of auctions is now a buyer’s market… spoiler alert: not necessarily!

Rate, Review, and Follow the Show at www.expatpropertystory.com

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44

This episode was released in a week that saw 40% of UK mortgage products withdrawn from the marketplace, in Week 10 of my four-month challenge to buy a UK property at auction without setting foot in the UK.

So perhaps this is the perfect time to look at a strategy that can offer guaranteed returns with no voids or maintenance costs and a degree of certainty in uncertain times.

Lisa Brown of the Supported Living Podcast is on hand to provide the expertise this week as I look at a property offered in the auction catalogues that has the potential to be operated either as supported living or serviced accommodation.

Rate, Review, and Follow the Show at www.expatpropertystory.com

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43

Who wouldn’t want a net income of potentially more than a thousand pounds per month from a property costing less than £100,000?

While some people are achieving this, it’s not as easy as you might think.

As I move into the second half of my expat auction challenge to buy a UK property at auction from my home in Hong Kong, I look for a property to achieve this objective.

I seek advice from Richard Brown of The Property Voice, Dave Goodfellow, a serviced accommodation specialist, Vicki Peers ofInside Liverpool and Jay Howard & Piotr Rusinek from the Auction Buyers Club.

I also learn the importance of checking the Title Register in the legal pack before spending too long on due diligence for a property with the potential to be turned into Serviced Accommodation or an HMO.

Rate, Review, and Follow the Show at www.expatpropertystory.comRealla is a platform for renting commercial space. As promised, here is the link.Short-term rental data analytics:AirDNA

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#42

I’m now halfway through my Expat Auction Challenge. Just two months left to buy a UK property at auction from Hong Kong.

A potential holiday let that was unsold at auction provides the backdrop to this week’s episode, in which fellow podcasterRod Turner of ITP Group, auctioneer Andrew Brown from Strettonsand Jim Demetriou of SDL Auctions offer their advice on how to build relationships with auctioneers and get into their Little Black Books.

Building relationships with auctioneers is only half the battle, though. If you manage to get onto their list, you need to take action and perform to ensure that they keep phoning YOU when a deal is to be had.

Louise Tomlinson of LOCL Properties also offers advice on how to assess holiday let demand in your target area.

Rate, Review, and Follow the Show at www.expatpropertystory.com

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41

My Expat Property Auction Challenge enters week 7, which means that I have just nine weeks left to buy a UK property at auction from here in Hong Kong without setting foot in the UK within four months.

This week, I look at a mixed-use building in Bristol only to find a messy legal pack and a lack of clarity around exactly what’s for sale… a common problem in UK property auctions.

Doubt sets in so I look for evidence that buying at auction is possible as an expat property investor and find it in the Abu Dhabi, where I speak to an expat couple who have successfully bought two properties at auction.

David and Leanne are a well organised husband and wife team who had everything in place in preparation for a successful first auction purchase. But on the day, distracted by the day job, they forgot to bid! Find out what happened by listening to their Expat Auction Story!

Rate, Review, and Follow the Show at www.expatpropertystory.com

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40

As my Expat Auction Challenge enters its sixth week, I struggle to find a deal that delivers a decent cashflow.

A three storey townhouse in Bristol provides the backdrop to this episode as I look for a freehold to leasehold opportunity.

Rachel Knight of titlesplit.com urges investors to walk away from those deals that that are so overpriced, the only explanation can be that ‘the landlord’s smoking dope’!

This leads to a wider discussion as to whether there is value to be had in the auctions at present, particularly with projects involving refurbs.

This week's show features contributions from Vicki Peers of Inside Liverpool and Richard Brown of the Property Voice and of course Matt Brighton.

There is also a working example of Multiple Dwellings Relief, which can reduce your Stamp Duty Land Tax when buying a freehold block of multiple units.

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39

We would all like to maximise profits from UK property. One way to achieve this, both in terms of cashflow and capital appreciation is through a strategy called freehold to leasehold title splitting. Rachel Knight from titlesplit.com gives her top title splitting tips as I enter the second month of my four month challenge to buy a UK property at auction from my home in Hong Kong.

Jay Howard is also on hand to offer advice on how to turn the tables on agents and auctioneers seeking to put pressure on buyers to purchase.

Turn on and tune in to the fifth episode in the Auction Series. Enjoy!

Rate, Review, and Follow the Show at www.expatpropertystory.com

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38

The UK residential property market has been so HOT over the last couple of years that even expats have started to look at commercial property opportunities, given the reduced competition in this sector of the UK property market.

In this fourth episode of the auction season, in which I have challenged myself to buy a property at auction within four months from my home here in Hong Kong, I seek out the expertise offered by Jerry Alexander, the host of The Commercial Property Investor Podcast as I look to buy a mixed-use building in a market town in the midlands.

Jerry outlines the difference between residential and commercial property investing and details how the latter involves taking an commercial space and reconfigures it to satisfy the demands of the local market, thereby increasing its value.

If you’re interested in auctions and / or commercial property, this is a ‘must listen’ episode!

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To develop or not to develop? That is the question at the heart of this week’s show. Savvy UK property investors have long known that the best way to make money from property is to take an asset, add value and then sell or refinance.

This has led many investors down the increasingly well-trodden BRR route. They buy a wreck, enhance the value either with a small refurb to increase its cosmetic appeal or with a larger refurb that involves reconfiguring and or extending a property, and then refinancing to extract as much of the capital as possible. Or maybe they just sell it on for profit.

But some investors add value in a different and arguably smarter way by unlocking the value in less time with less risk and with less competition. And mostly from the comfort of their own home.

So before diving head first into a trendy commercial to residential conversion, listen to this week’s show and ask yourself if there might be a better way to make money from property.

Contributing to this week’s show: Piotr Rusinek and Jay Howard, co-authors of ‘Before the Hammer Falls: The Insider’s Guide to Property Auction Success’; John Howard of Property Elevator; Saif Derzi of SDGB Properties, Priya Darshan Malik of Veer Properties Limited and Matt Brighton of mattbrighton.co.uk

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#36 Have you thought about buying UK property at auction? Do you want to learn from auction specialists? Then follow my story as I learn from the best during my challenge to add to my UK property portfolio by buying at auction from here in Hong Kong within four months, despite knowing nothing about UK property auctions.

In this week’s show, I present my first two auction lots to the Auction Buyers Club: a potential title split of a three-storey town house in Sussex and a mixed use commercial property in a midlands market town.

Topics covered in this episode include desktop detective skills, protected tenancies, remote viewing options, why lots get witdrawn prior to auction, the importance of a pipeline and a whole lot more.

Contributing to this week’s show: from Hammered, Piotr Rusinek and Jay Howard, co-authors of ‘Before the Hammer Falls: The Insider’s Guide to Property Auction Success’; Ed Mead, co-founder of Viewber, a remote property viewing service; Saif Derzi of SDGB Propertiesand Jim Demetriou, national valuer for SDL Auctions.

Rate, Review & Follow at www.expatpropertystory.com

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35

Is it a good idea to buy UK property at auction from abroad in a hot market?

I am challenging myself to buy a property from my home in Hong Kong without setting foot in the UK, within four months, despite knowing NOTHING about auctions!

In this, the first episode of the Expat Auction Story season, I get advice from property experts John Howard, Richard Brown, Mike Stenhouse & planning consultant, Jon McDermott.

I then discover the Auction Buyers Club, run by auction specialists Jay Howard & Piotr Rusinek. I talk to Jim Demetriou from National Auction Valuer for SDL one of the biggest UK property auction houses and to an auction trader, Saif Derzi.

If you’re interested in auctions, this Reality Podcast Season is essential listening!

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Episode 34

Do you worry about down valuations when following the Buy, Refurbish, Refinance strategy? Are you worried about adopting BRR in the current macro-economic climate?

International property investor, author and Your Property Network magazine contributor Richard Brown, host of The Property Voice Podcast can put your mind at ease in this, the final episode of Season One.

Other topics discussed include property education, low purchase price properties and, in preparation for Season Two (Expat Property Auction Story), which starts next week, AUCTIONS!

Rate, review and follow the show at www.expatpropertystory.com

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Episode 32

UK property investor, podcaster and trainer, Mike Stenhouse, gives us the benefit of his considerable wisdom on this week’s show. Mike shares the lessons he has learned from talking to other successful property investors in the 360 + episodes of The Inside Property Investing Podcast.

Mike explains why it’s important to force yourself to focus on just one or two strategies that are in line with your overall goals and objectives. He also advises expat property investors to start by becoming an expert in one particular location before even thinking about branching out.

Mike and his partner Victoria’s portfolio consists of both HMOs and Serviced Accommodation but Mike gives his reasons for preferring the former to the latter.

This episode also features a preview of the upcoming Season Two of Expat Property Story, which starts on Wednesday August 3rd, 2022 (Episode 35)

If UK Property investment for expats is your thing, then this is a must-listen episode!

Rate, Review and follow the show at www.expatpropertystory.com

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Episode 31

Do you wish you knew more about town planning? Do you understand permitted development? Town planning expert Jon McDermott gives us an introduction to the planning process and also offers his opinion on the evolution and future of the high street

Meanwhile, the Expat Property Guy offers a teaser regarding Season Two of Expat Property Story and provides some context ahead of an EXCITING ANNOUNCEMENT next week.

Rate, Review and follow the show at www.expatpropertystory.com

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Do you have a good relationship with your UK property solicitor? Finding and keeping a good solicitor for your power team may be crucial for your long term success in building your UK property portfolio.

Tim Bishop runs a firm of specialist property solicitors and, as a property investor in both the residential and commercial sectors himself, is well positioned to see things from both sides.

Listen now to hear Tim’s tips on how to get the best out of your solicitor.

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Some UK property investors invest for capital growth, but fellow property podcaster Rob Smallbone of The Property Nomads Podcast argues that cashflow is king, particularly in the current macro-economic climate.

Rob also issues a word of caution for those following the BRR model as we head into unchartered economic waters.

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As our mini-series on expat property tax in collaboration with Sean The Property Tax Accountant draws to a close, we look at risk management: the systematic approach to identifying, evaluating, mitigating and monitoring risk. We explore the concepts of risk capacity, risk appetite and risk tolerance.

Don’t risk missing this or any of the other episodes in this series:

Episode 23: An Introduction to Sean, the Property Tax Accountant
Episode 24: Property Ownership Structures (Limited Company or Personally Held?)
Episode 25: Smart Property Company Group Structures
Episode 26: Capital Gains Tax for Expats
Episode 27: Compliance
Episode 28: Tax Avoidance, Tax Evasion & Tax Planning
Episode 29: Risk Management

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www.expatpropertystory.com

The penultimate portion of our bite-sized episodes on expat property tax tackles Tax Evasion, Tax Avoidance, and Tax Planning, which are, respectively, illegal, legal and advisable.

Sean the Expat Property Tax Accountant tells us what we should do, what we shouldn’t do, and, also what we could do. Find out why Sean suggests obtaining multiple specialist opinions in relation to those tax schemes you may read about on the property forums as a way to get around Section 24.

Other episodes in this must listen series:

Episode 23: An Introduction to Sean, the Property Tax Accountant
Episode 24: Property Ownership Structures (Limited Company or Personally Held?)
Episode 25: Smart Property Company Group Structures
Episode 26: Capital Gains Tax for Expats
Episode 27: Compliance
Episode 28: Tax Avoidance, Tax Evasion & Tax Planning
Episode 29: Risk Management

View Details

www.expatpropertystory.com

Tax is not the sexiest of topics and compliance is perhaps its least interesting aspect, but it’s possibly the most important so missing this episode could be as dangerous as non-compliance itself!

Our resident expat tax expert, Sean the Expat Property Tax Accountant highlights the key taxes and other obligations that expat property investors need to consider when embarking on their first investment.

Other episodes in this must listen series:

Episode 23: An Introduction to Sean, the Property Tax Accountant
Episode 24: Property Ownership Structures (Limited Company or Personally Held?)
Episode 25: Smart Property Company Group Structures
Episode 26: Capital Gains Tax for Expats
Episode 27: Compliance
Episode 28: Tax Avoidance, Tax Evasion & Tax Planning
Episode 29: Risk Management

View Details

www.expatpropertystory.com

Capital Gains Tax for expats may be much more complex than many expat UK property investors realise. Fortunately, Sean the Property Tax Accountant is here again to explain the rules and provide some thought provoking examples to help inform your own expat property tax decisions.

Other episodes in this must listen series:

Episode 23: An Introduction to Sean, the Property Tax Accountant
Episode 24: Property Ownership Structures (Limited Company or Personally Held?)
Episode 25: Smart Property Company Group Structures
Episode 26: Capital Gains Tax for Expats
Episode 27: Compliance
Episode 28: Tax Avoidance, Tax Evasion & Tax Planning
Episode 29: Risk Management

View Details

www.expatpropertystory.com

In this, the third instalment of our mini-season on expat property tax in collaboration with Sean The Property Tax Accountant, we look at the benefits of group structures.

Group structures, along with standalone limited companies, represent an efficient way of adding children to your business.

Group structures also offer advantages for investors operating a mixture of property strategies which have different tax treatments such as buy-to-let investments and flips.

Other episodes in this must listen series:

Episode 23: An Introduction to Sean, the Property Tax Accountant
Episode 24: Property Ownership Structures (Limited Company or Personally Held?)
Episode 25: Smart Property Company Group Structures
Episode 26: Capital Gains Tax for Expats
Episode 27: Compliance
Episode 28: Tax Avoidance, Tax Evasion & Tax Planning
Episode 29: Risk Management

View Details

www.expatpropertystory.com

The most common question facing expat investors in the UK buy-to-let property market is whether to buy UK property through a limited company or in their personal names.

In this, the second of seven pocket-sized podcast episodes on British tax for expat UK property investors, Sean the Property Tax Accountant identifies the three main factors that could help you to decide:

Are you / Will you be a basic or higher rate tax payer in the UK?
Do you intend to reinvest or spend your profits?
Do you plan to pass on your property to your children?

Sean also highlights that it does not have to be an either / or decision, that in fact you might want to consider a combination of some properties held in a limited company structure and others held personally.

Other episodes in this must listen series:
Episode 23: An Introduction to Sean, the Property Tax Accountant
Episode 24: Property Ownership Structures (Limited Company or Personally Held?)
Episode 25: Smart Property Company Group Structures
Episode 26: Capital Gains Tax for Expats
Episode 27: Compliance
Episode 28: Tax Avoidance, Tax Evasion & Tax Planning
Episode 29: Risk Management

View Details

www.expatpropertystory.com

Are you a UK property investor looking for expat tax advice? Sean the Property Tax Accountant is himself an expat property investor and a property tax specialist so he well qualified to talk about British tax for UK expats investing in property.

In this, the first of seven daily pocket-sized podcast episodes on everything you need to know about British tax, Sean talks about his own portfolio and why it’s important to have a specialist property accountant for smarter property investing.

The rest of this mini-series covers property ownership structures, group structures, Capital Gains Tax, compliance, tax evasion, tax avoidance and tax planning and risk management, all through the lens of expats investing in UK property.

Meanwhile, back in 2020, having scaled their portfolio to 5 student HMOs, the Expat Property Guy and his wife take the time to get to grips with their own long-term tax position and go looking for a UK property tax adviser.

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You’re building your UK investment property portfolio. You’ve decided on the best places to invest in UK property. You’re super organised and you have the skills and knowledge for smarter property investing. But if only there was one platform where you could both manage your existing portfolio AND track potential deals in your pipeline.

That’s how occasionally remote investor Jake Barlow from Stockport felt as he was building his portfolio with his fiancée, Nicola so they took matters into their own hands and built their own platform called Property Store.

Meanwhile, back in 2020, Covid causes a crisis in the Expat Property Guy’s Expat Property Story and puts his plans for buying four more HMOs in jeopardy. Listen now to find out how it all turns out…

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Are you an expat looking to build a UK property investment portfolio but you don’t have the necessary funds, expertise or experience to get started? Maybe you lack the skills, knowledge and tools to get into the UK property market?

All is not lost! Michelle Cairns was in a similar situation just a few years ago but now she has a cash flowing UK property portfolio. Michelle is the face of Your Property Network and host of Your Property Podcast.

Listen now to find out how she got started in property by networking, using other people's money and taking action.

Meanwhile, back in November 2019, the Expat Property Guy gets ready to scale his student HMO portfolio and lines up FOUR properties to purchase.

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Are you interested in Holiday Lets as a UK property strategy but think you may have missed the boat?

Dale Smith of Host and Stay has built up a family business that serves both holiday homeowners and guests and has picked up many interesting insights along the way.

He argues that being best in class for each product he brings to market provides the best returns and that revenue optimisation is the name of the game.

Listen now to find out why Dale believes the next few years will see more investment opportunities in this sector of the UK property market.

Meanwhile the Expat Property Guy finds creative solutions to cashflow problems.

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UK property expert John Howard’s forty years’ experience makes him the ideal investor to offer an opinion on the state of the UK property market as we head toward the third quarter of 2022.

Rising inflation, properties taking longer to sell, reduced prices, house builders’ share prices falling and an increase in distressed housing stock all point towards a UK property market slowdown at best and a crash at worst. This makes buying at a discount all the more important and John offers advice on how to do it.

He also argues that expats may be in a better position to ride out a UK property blip. Times have changed in the post-pandemic property landscape and John suggests ways in which expats could do bigger projects with the increased use of online communication platforms.

Back in 2018, the Expat Property Guy and his wife finally complete their student HMO in Nottingham.

Chapters:

Expat Property Story (1’37”)

Joke (5’37”)

Postcode Challenge (5’54”)

John Howard’s three golden rules (8’34”)

The importance of buying at a discount (9’58”)

The danger of Joint Ventures (11’09”)

Due diligence (13’03”)

Slowdown (14’32”)

House price affordability 17’47”)

Estate agents (19’51”)

Expats with money to spend (21’29”)

Pushing the boundaries as an expat investor (24’20’) (

Risk (26’25”)

5 a side property team (28’51”)

Highlights (32’45”)

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www.expatpropertystory.com

You’re looking for the perfect UK investment opportunity... You’ve decided on a strategy of high cash flowing Houses of Multiple Occupation. But should you target students or professionals for your HMOs?

You’ve heard that students will wreck your property leading to high maintenance costs. And they disappear in summer leaving your property empty.

But you’ve also heard that professionals rarely stay for longer than six months, so your managing agent is constantly looking for new tenants.

Understanding your investment area is a key factor when entering the buy-to-let property market in the UK.

Stuart Lordan initially targeted students but adapted his strategy due to the changes in his chosen investment area of Plymouth. He now targets both.

While HMOs definitely provide impressive rental income, Stuart has found that a laser focus on reducing maintenance costs can help ensure that his portfolio returns a healthy profit for his portfolio.

This episode is packed with useful information for expats thinking of investing in HMOs, giving you the skills, knowledge and tools for smarter UK property investing.

Chapters:

Expat Property Story (2’00”)

Joke (8’19”)

Postcode Challenge (8’32”)

Student HMOs (10’06”)

Students v professionals (12’51”)

Landlords leaving the sector (15’51”)

Managing expenses (16’59”)

A case study: 13-bed HMO (22’33”)

Advice for remote investors (26’19”)

Working with investors (27’38”)

Risk (28’53”)

Highlights (29’36’)

View Details

www.expatpropertystory.com

Expat Investor Rehman Akhtar thought he had found the perfect property investment opportunity when he was presented with joint venture deal in the UK in which he stood to gain a 30% return on investment.

But when the project went wrong, he lost all his money and he now has to sell off his property portfolio of buy to let property to pay down his debt.

Rehman wants the painful lessons he learned from this financial tragedy to serve as a warning for other property investors who may be tempted by the messages proffered by property investment experts to use other people’s money to make sure they carry out the necessary due diligence for smarter property investing.

This is not an episode you won’t want to miss… it’s an episode you CAN’T MISS!

Chapters:

My Expat Property Story / Deed of Trust (1’38”)
Rehman’s background (5’00”)
Joke (6’18”)
Postcode Challenge (7’02”)
Funding other people’s deals (8’41”)
Denison House in Doncaster (11’07”)
Unaware of other investors (13’22”)
300K Lost (16’38”)
Due diligence (21’04:”)
Personal cost (25’54”)
A message for Paul Smith (28’54”)
Rehman’s view of property now (30’52”)
Highlights (35’13”)
Exotic listener location! (36’06”)

View Details

www.expatpropertystory.com

If you’re an expat looking for UK property investment opportunities, you probably have lots of questions about expat mortgages. This podcast episode will give you all the mortgage knowledge you need for smarter property investing in the UK.

In this second part of my interview with Simon Allen of Searchlight Finance, we discuss the impact of changes to legislation around Energy Performance Certificates, anti-money laundering checks and why a five year fixed mortgage may help UK property investors borrow more money.

Simon also talks about the most popular property investment opportunities for expats and overseas investors (buy to lets / HMOs / serviced accommodation / freehold to leasehold title splits).

Meanwhile back in 2018, the Expat Property Guy and his wife have important decisions to make around property investing tax structures and how best to allocate their funds as they prepare to buy a student HMO in Nottingham.

Chapters:

Mortgage broker discount (0'23")
My Expat Property Story (1'25")
Energy Performance Certificates (6'47")
Mortgage valuations (11'40")
Ltd. co vs personally held mortgages (13'35")
Anti-money laundering (14'53")
HMRC (18'41")
Most popular expat investments (19'14")
Stress tests (20'47")
Expanding portfolios (23'44")
Repatriation (24'38")
Biggest pitfalls (26'06")
Risk (27'39")
Highlights (29'35")

Simon Allen can be found at www.searchlightfinance.co.uk

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www.expatpropertystory.com

Do you have trouble getting an expat mortgage loan? This two-episode special contains all the information you need as a remote investor looking to invest in UK property.

In this first episode, expat mortgage expert Simon Allen from Searchlight Finance explains when to use and when not to use a broker, what to look out for when making an application and how to deal with your solicitor.

Back in 2018, the Expat Property Guy and his wife find someone to source, refurbish and manage a student HMO in Nottingham.

Rate, Review, subscribe and give your ideas for the show at www.expatpropertystory.comfor

Chapters:

Student HMOs in Nottingham (0’45”)
My mortgage broker (4’30”)
Joke (5’50”)
You don’t always need a broker (6’10”)
Expats & foreign nationals (9’30”)
Importance of where you live (10’57”)
Choosing the right broker (14’42”)
Preparing for a mortgage application (16’44”)
UK correspondence address (19’02”)
Conveyancing tips (21’09”)
Personal guarantees (23’28”)
Working with your solicitor (23’51”)
Mortgage broker discount (28’13”)
Highlights (28’47”)

View Details

www.expatpropertystory.com

UK property investor Bronwen Vearncombe and her husband took just one year to build a profitable portfolio which allowed them to replace their incomes, leave their jobs and set off to travel the world after releasing equity from their family home.

Bronwen attributes their property investment success to the network opportunities and knowledge they gained through property education.

Meanwhile, there is light at the end of the tunnel as the Expat Property Guy and his wife decide on a location for their student HMO and find a UK property partner as they go looking for investment opportunities.

Chapters:

Education (5'25")
Trust (7'55")
Golden rules of property investing (8'59")
Below Market Value for expats (10'30")
Networking for expats (12'55")
Wealth Dynamics (14'54")
Sourcing properties (17'59")
Due diligence (18'45")
Risk (19'47")
Cashflow (22'01")
Managing agents (23'57")
Joke (26'35")
Postcode Challenge (26'55")
Contact details (28'44")
Highlights (30'04")

Get in touch at www.expatpropertystory.com with your ideas for the show!

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Vanessa Warwick from Property Tribes explains how expat UK property investors can make others' hindsight their foresight in the second part of her interview with the Expat Property Guy, whose own story hits a snag with mortgages.

Chapters:

Joke (6'13")
Holiday lets (7'30")
'Postcode Challenge' (10'57")
Gender in property investing (11'58")
Releasing equity from your home (12'45")
Buying property remotely (16'15")
Buying tenanted property (17'17")
Property Tribes philosophy (20'48")
Property Tribes for due diligence (25'27")
Sponsors (27'21")
Risk (29'06")
Expat Tribe on Property Tribes!!! (31'50")
Highlights (32'45")

To contactVanessa from Property Tribes

Vanessa is on Twitter: @4_Walls

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www.expatpropertystory.com

Do you wish you could get your hands on high cash-flowing assets like Holiday Lets or HMOs but always thought it’s not possible as an expat?

Peter Meek reveals how he and his wife, Joanna, turned adversity into opportunity by joint venturing with UK partners to start building a UK property portfolio of holiday lets and HMOs after being stranded it the UK during Covid.

Peter’s strategy of splitting freehold titles into leasehold flats looks likely to turn him into a Holiday Let Star!

Meanwhile back in 2018, the Expat Property Guy also looks to high cash-flowing HMOs and seeks advice on the Buy, Refurbish, Refinance strategy.

Rate, Review, subscribe and leave your ideas for the show at www.expatpropertystory.com

Peter Meek is on Linkedin

Chapters:

Stranded in the UK (6'35")
No footprint in the UK (7'30")
High cash-flowing assets (8'30")
Joint ventures (9'05")
Holiday let case study (11'40")
Commercial mortgages (12'25")
Capital allowances (18'24")
Direct marketing strategies (20'25")
Australian property market (22'55")
Risk (25'21")
Joke (26'05")
Postcode Challenge (26'19")

View Details

www.expatpropertystory.com

When choosing your investment area, what can you do if you have no boots on the ground? Dubai based expat Steven Pardoe booked into a hotel in the West Midlands for a couple of weeks and walked the streets until he knew the area like the back of his hand.

He has since returned to the UK and together with his business partner, Adam, they have built a portfolio worth £16 million, a figure he expects to rise to £22 million by the end of the year.

Lots of really great advice for expats investing in UK property this week.

Meanwhile back in 2017, the Expat Property Guy refines his strategy and starts thinking about HMOs…

Rate, review, subscribe and give ideas for the show at www.expatpropertystory.com Chapters:
Researching his investment area (6'30")
Property education (8'25")
Taking action (12'45")
How to get started as an expat (13'38")
Sourcing properties (15'20")
Bigger projects (17'24")
The market in March 2022 (18'10")
Preparing for a new property cycle (21'23")
Gut instinct (24'20")
Joint ventures (25'21")
Jokes (27'07")
Monopoly Challenge (27'49")
Contacting Steven (29'20") Links:Domo Developments LtdSteven's InstagramSteven's LinkedInSteven's Twitter

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This special episode features an appeal by Vanessa Warwick and her husband Nick from Property Tribes for donations to supportrefugees (people and pets) from Ukraine.

The appeal gives rise to a discussion about the importance of having a why for investing in property, which may help shape your investment decisions in the here and now.

A thought provoking episode!

Chapters:
Vanessa's 'why' (1'50")
Pet rescue mission (5'09")
To donate: (9'05")
Expat Property Story's 'why' (10'10")
Wealth creation industry (14'05")

Rate, Review, subscribe and give your ideas for the show at www.expatpropertystory.com

To find out more about more about Nick and Vanessa’s pet rescue mission and donate:https://www.justgiving.com/crowdfunding/ukrainemissionnick

To contactVanessa or Nick from Property Tribes
Vanessa is on Twitter: @4_Walls

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Saif, The Expat Property Investor from Dubai not only sources his ownpropertiesin Bradford but refurbishes them remotely too. Saif’s inspiring story demonstrates that you don’t need a six-figure salary to build a buy-to-let portfolio with a disciplined attitude towards saving.

Meanwhile, back in 2017, The Expat Property Guy and his wife decide to release equity from their original home to raise money and turn to Property Tribes for advice on how to spend it…

Lots to take away from this week's show!

Saif talks about:
His interest in property (4'38")
Moving to Dubai (6'57")
Saving money (7'45")
His first BTL as an expat (10'27")
Sourcing remotely (11'53")
Refurbishing remotely (13'00")
The value of a letting agent (16'55")
Mentorship (20'03")
Joke (22'12")
Monopoly Challenge (22'17")
Contact details (23'51")

Key points to highlight (24'44")

Rate, Review, subscribe and give your ideas for the show at www.expatpropertystory.com

To contact Saif on Instagram: @expatpropertyinvestor

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Expats typically need to move money to buy property. FX expert Samuel Pitt from OFX gives us his tips and tricks for currency exchange.

Meanwhile, there's more drama for The Expat Property Guy as his attempt to buy a house hits another snag!

Send your ideas for future episodes to www.expatpropertystorySamuel talks about:

The history of OFX (7'40")
How it works (10'20")
Tight Spread (11'11")
Being cheaper than banks (13'54")
The best days to transfer (15'53")
Speed of execution (18'04")
Tranches (19'29")
Forward contracts / Limit orders (21'32")
What NOT to do (26'50")
Sam tells two jokes! (28'58")
Monopoly Challenge (29'38")

Link to OFX Thank you!

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UK property consultant Helen Godbold-Eade founded Like Clockworkto help investors build portfolios via her network of trusted contacts within the sector. She also provides pre-purchase deal analysis and comes to the rescue of distressed investors.

The Expat Property Guy could have benefited from her wisdom and expertise back in 2017 when lightning struck twice in his bid to get his Expat Property Story to Chapter Two...

You won't want to miss this episode! Spread the word...

Helen talks about:

Due diligence (4’14”)
Who is the developer? (6’00”)
Independent solicitor (8’27”)
Off-plan new-build developments (9’57”)
Terraced Houses (12’11”)
Freehold versus leasehold (13’00”)
Building a portfolio (14’09”)
Start with a letting agent (15’40”)
No such thing as a passive investment (19’29”)
Communication (20’37”)
Risk (26’49”)
Pro-bono work (27’44”)
Monopoly Challenge (28’11”)
Joke (29’40”)

Helen’s Links:
For a copy of Like-Clockwork’s brochure, please email sorted@like-clockwork.co.ukLike Clockwork WebsiteLinkedInTwitter Leave a voice message and let me know what you'd like covered in the show. Or write me an email.

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This week’s guest is Derek Tsang, an Aussie Born Chinese expat living in London, whose blog about expats finding their feet in London broadened out to provide property resources for those who shared his passion for UK property.

Back in 2017, the Expat Property Guy’s Expat Property Story hits a snag!

Expat Property Story continues: (2’05”)
Joke: (4’23”)
Monopoly Challenge (4’42”)
Derek’s portfolio (6’12”)
Off-plan properties (6’48”)
Vanilla buy-to-lets (9’30”)
Crewe (13’01”)
Estate agents (14’30”)
Refinancing (18’01”)
Moving property into Ltd. Company (19’49”)
Future Opportunities (20’54”)
Hot market & housing affordability ratio (22’13”)
abcdad.co.uk (25’40”)
Books (26’37”)
Mindset (27’40”)

Derek’s Social Media Sites

https://abcdad.co.uk/

Derek’s favourite book: Never Split the Difference: Negotiating as if your life depended on it; By Chris Voss

Please subscribe to the show on the podcast provider you choose to use!

If you really want to help build an expat property community, please rate the show and leave an honest review on Apple Podcasts. Here's how.

If you have ideas for the show, write to me: expatpropertyguy@gmail.com

Or Tweet me: @ExpatPropGuy
Or follow me on Instagram: Expat_Property_Story
Or read my BLOGThank you!

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This week’s guest is Vicki Wusche, named one of the UK’s top 25 most influential people in property. Vicki helps people restructure their relationship with moneythrough property.

She has helped clients invest over six million pounds in property, which she refers to as a ‘brick bank’ for the long term. She argues that 3 bed terraced houses in Liverpool are a much better investment than new-build high rise apartments in Manchester.

Ironically, back in 2017, the Expat Property Guy and his wife agree to buy a one-bed flat in Manchester. Their Expat Property Story is underway!

Vicki talks about:

Financial resilience (5’50”)
How she built her portfolio (8’28”)
How to help your kids (11’40”)
Manchester high rises versus Liverpool terraced houses (13’35”)
The trouble with HMOs (21’17”)
The risks of Buy, Refurbish, Refinance & flips (26’03”)
Long term strategy (28’50”)
Post-pandemic property landscape 31’19”)

Vicki starts with a joke: (4’34”)

If you would like to have a personal mini-wealth consultation directly from Vicki she has very generously made a special offer to anyone who leaves Expat Property Story an honest review on Apple Podcasts.Here is how. The offer is for a free 30minute session with Vicki. So all you need to do is to send a copy of the review to Vicki@Wusche-Associates.co.uk

Vicki's Links
Social Media Sites

https://www.linkedin.com/in/VickiWusche

https://www.facebook.com/VickiWusche

https://www.twitter.com/VickWusche

https://www.instagram.com/Vicki_Wusche

https://www.youtube.com/VickWusche

Website – https://www.VickiWusche.com

Booking calendar - https://calendly.com/vickiwusche

Book titles

Using Other People’s Money: How to invest in property 4th edition

Make More Money from Property: From investor thinking to a business mindset 2nd Edition

Property for the Next Generation: Securing your future in uncertain times 2nd Edition

The New Estate: Insights from the 22nd century

The Wealthy Retirement Plan: A revolutionary guide to living the rest of your in style.

Ebooks – on the website VickiWusche.com

9 Critical Property Principles

The De-Job Yourself Manual: Break your reliance on a monthly wage

The Values Manual: Understand what your values are and how they can be key to a successful business

The Goal Setting Manual: Create meaningful and practical goals then achieve them

Free gift

Online Assessments FREE for your guests Link to

https://www.VickiWusche.com/scorecard

· Readiness to Retire Wealthy based on the five principles discussed in The Wealthy Retirement Plan book this gives you a personal score and report to help you take back control of your financial future – something business owners and employees both forget – but for different reasons

Expat Property Story
Please

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It’s 2017, the Expat Property Guy picks a mortgage broker and receives an offer in principle. His Expat Property Story is ready to start!

This week’s guest is Hong Kong influencer Samuel Chan, who meets a property agent in an Uber taxi in London. They keep in touch and when a Russian investor runs out of rubles Samuel steps in and picks up a two-bed apartment in a new-build development in Old Street, London for 150K below market value.

Tune in to find out how he then gets two FREE flats from developers after writing a blog!

Samuel also offers insights into the problems facing Hong Kong British National Overseas (BNO) when emigrating to the UK.

Samuel talks about:

A lucky meeting with an agent in an Uber (8’27”)
How writing a blog led to two free flats (10’26”)
His disappointing first investment (11’19”)
Mitigating the risks of off-plan developments (14’24”)
Why Hong Kongers prefer off-plan developments (17’50”)
BNO families in UK (18’53”)

Samuel also tells a joke: (26'30")

Please subscribe to the show on the podcast provider you choose to use!

If you really want to help build an expat property community, please rate the show and leave an honest review on Apple Podcasts. Here's how.

If you have ideas for the show, write to me: expatpropertyguy@gmail.com

Or Tweet me: @ExpatPropGuy
OR follow me on Instagram: Expat_Property_Guy
Or read my BLOGThank you!

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www.expatpropertystory.com

The story continues as our The Expat Property Guy goes to his first property meet-up and unwittingly puts his trust in a Forex trader.

This episode also features expat Ivan Goh, a solicitor from London, who has a cautionary tale to tell about the dangers of buying off-plan new build developments in the UK.

Ivan also offers some tips on the conveyancing process.

Turn on your mind, relax and listen to the episode!

Ivan talks about:

How he got interested in property (4'25")
Buying off-plan from an agent (6'25")
Developer delays (8'35")
Expat challenges (14'23")
Trust (15'58")
Stocks and shares vs property (18'28")
Risk (21'16")
Tips for conveyancing (22'36")
Monopoly (26'35")

Ivan also tells a joke! (28'48")

Please subscribe to the show on the podcast provider you choose to use!

If you really want to help build an expat property community, please rate the show and leave an honest review on Apple Podcasts. Here's how.

If you have ideas for the show, write to me: expatpropertyguy@gmail.com

Or Tweet me: @ExpatPropGuy
OR follow me on Instagram: Expat_Property_Guy
Or read my BLOGThank you!

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www.expatpropertystory.com

In 2017, when the Expat Property Guy’s Expat Property Story began, he approached fellow Hong Kong based UK expat Stuart Ball for advice after listening to an episode of the Property Geek Podcast.

Stuart’s portfolio has since increased from six to 35 properties in less than five years. Find out how in this episode!

Stuart talks about:

Portfolio growth (4'04")
The difficulty of getting HMOs as an expat (6'55")
Yield vs capital growth (8'28")
Tax (15'11")
Expat challenges (16'00")
Trust (21'57")
Risk (28'25")
Monopoly (31'02")

Stuart also tells a joke: (30'35")

Please subscribe to the show on the podcast provider you choose to use!

If you really want to help build an expat property community, please rate the show and leave an honest review on Apple Podcasts. Here's how.

If you have ideas for the show, write to me: expatpropertyguy@gmail.com

Or Tweet me: @ExpatPropGuy
OR follow me on Instagram: Expat_Property_Story
Or read my BLOGThank you!

View Details

www.expatpropertystory.com

Are you looking to invest in UK property from overseas?

Then, tune in to this debut episode as the Expat Property Guy argues against paying for property education at the start of your Expat Property Story.

This debut episode also features Rob Dix, author, podcaster and co-founder of Property Hub.

Rob talks about:

Being in a band (9’21”)
The intraparietal lobe! (12’32”)
Risk (13’48”)
Trust (21’10”)
Portfolio App (24’55”)
The ethos behind Property Hub (27’43”)
The 18-Year Property Cycle (30’33”)
What Rob would do if he was an expat (36’24”)
What Rob would have done if he was me in 2017 (38’08”)
Guilt (41’05”)
Why he doesn’t play Monopoly / ‘Monopoly Challenge’ (43’25”)
‘This or That’ (45’15”)

He also tells a joke… (7’55”)

Please subscribe to the show on the podcast provider you choose to use!

If you really want to help build an expat property community, please rate the show and leave an honest review on Apple Podcasts. Here's how.

If you have ideas for the show, write to me: expatpropertyguy@gmail.com

Or Tweet me: @ExpatPropGuy
OR follow me on Instagram: Expat_Property_Story
Or read my BLOGThank you!

View Details

NEW WEBSITE: www.expatpropertystory.com

This podcast traces one man’s Expat Property Story after he and his wife ditch their financial adviser and decide to invest in UK property from their home in Hong Kong.

Each episode reveals a little more of their story, while also talking to experts, expats and experienced investors from all over the world to smooth the way for you to have your very own Expat Property Story.

Oh, and each episode comes with a free joke...

Expat Property Story: Recent Episodes

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199 How to Build a £9Million UK Property Portfolio with £300 (Dawid Dowbusz)

201 How to BRR (Kevin Wright)

203 Short Lease Extensions (Jason Patterson

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