The Property Voice: Recent Episodes
Richard W J Brown from www.thepropertyvoice.net
This media page accompanies the Your Property Network magazine articles published/to be published in February & March 2023. Links to the final articles will be added upon publication to read alongside these video clips. In the meantime, here are the links to the videos mentioned.
February 2023 Article
Coronation Court Commercial Conversion & Development Project
An 11-unit convert/build-to-rent development project taking an empty and partly derelict commercial building and turning it into 10 residential rental apartments and an office in Stoke-on-Trent. It has a GDV of £1m with £76k annual rent roll (7.6% gross yield).
Coronation Court Development Project Video
Willow Street Commercial Conversion Project
The conversion of former offices in Oswestry, Shropshire into 6 self-contained residential rental apartments to retain in my portfolio. The GDV is £550k with £39k annual rent roll (7.1% gross yield).
Willow Street Commercial Conversion Project Video
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Author: Jamie Kavanagh, Contributor at Broadband.co.uk
Broadband is one of the many amenities tenants expect from a rented property and another thing you have to take care of. Fortunately, managing broadband is relatively easy and can mainly be left up to the tenant.
In this guide, we’ll cover some common questions we see on broadband from the perspective of a landlord.
Do I need to provide broadband in my lets?You don’t have to provide broadband in your lets, but you should at least ensure tenants can get it.
All you need to do is either have the connection installed and leave the contracts up to tenants or allow the installation of broadband when a tenant requests it.
That’s the limit of your involvement if you want it to be.
Installation is simply a hole drilled through the wall with a wall box on either side. It doesn’t look unsightly and doesn’t unduly damage the property.
Broadband is a selling pointThe ability to have a fast broadband connection is a selling point and could improve occupancy or attract your ideal tenant.
In just the same way as off-street parking, a garden and adequate sunlight can help rent a property, so can fast broadband.
Websites like Rightmove include broadband speeds in listings for good reason; people want to see what speeds are possible in a property.
Use the same thinking for your rental and you’ll significantly widen its appeal!
Should I provide broadband for my tenants?We would recommend providing the means to have broadband but not provide the broadband itself.
The only exception to this is if you live in the property too. Then it’s best if you control the broadband and allow tenants to use it. For a fee.
To compare broadband deals, enter your postcode into a comparison site and find the best deal in your area.
If you’re managing an HMO, the position is the same. We would recommend allowing tenants to have broadband if they want it but leave the management of the contract to them.
They can work out who manages the contract and payments between them. There’s no reason for you to get involved at all.
Letting tenants manage it themselves means less work for you and more choice for them.
One of the few times everyone is happy!
Broadband and contract liabilityEven though it’s your property, everything is managed by the tenant who signs the contract.
Even if they leave without paying, the contract follows them. There is no liability for you as the landlord.
The broadband connection is just a pipe to enable the contract. You as the landlord have no liability to payments, contracts, fair use or anything to do with that contract if your name isn’t on it.
This is why we recommend leaving the contractual part of broadband to tenants wherever possible!
Managing rental properties is complicated enough without adding broadband contracts to your workload!
Is there specialist landlord broadband?There are specialist broadband products but they are mainly tailored for HMOs and multiple property portfolios.
The vast majority of broadband in rented houses uses standard contracts managed by tenants. This type of contract is usually fine for rented properties and will often be cheaper too.
Depending on the type of tenant you’re trying to attract, there are some different types of broadband contracts.
Each offers advantages depending on the type of rental you own.
Fixed-term contracts – Your standard 12-24 month broadband contract. Cheap and plentiful and ideal for standard rented properties and HMOs.
Short-term broadband contracts – Various short term deals are available, including 9-12 month contracts for students.
Rolling 30-day broadband contracts – Ideal for holiday lets and those who don’t want to commit to a longer-term deal.
All these types of broadband require the same cable and connection. It’s just the administration that changes.
How fast should the broadband be?The speed of the broadband you provide depends entirely on the number of people in the house and how it will be used.
As a general rule, faster is always better, but much will depend on the type and number of tenants living in the property.
This is another reason why leaving it to the tenants is a good idea.
Broadband speed requirements depend on a few things:
- The number of people living in the property
- What they will be doing with the internet, working/streaming/gaming/downloading
- Whether they will be HD video conferencing or using bandwidth-intensive applications
Basic broadband would be suitable for sole occupants or couples who don’t plan on using the internet much.
Basic broadband includes those properties still using ADSL, or an entry-level fibre optic service with a speed of around 35Mbps.
The more people living in the property, the faster the broadband needs to be.
Typically, for families or multiple occupants, speeds >35Mbps is advisable. Fibre to the home or to the cabinet is a current favourite.
That’s especially true if the tenant is a home or hybrid worker!
What if my tenants want to change the broadband contract?If you do decide to manage the broadband contract for your rental, you will likely come up against this question at some point.
If the broadband you have isn’t fast enough or sufficient to allow the tenant to work from home, what do you do?
You have three main options:
- You could agree to upgrade the broadband speed and have them pay the difference.
- You could tell them to arrange their own, second connection so they are separate.
- Or you could insist they use mobile broadband instead.
What path you take depends on your situation, how far into the fixed period of your contract you are and whether you want to change your contract because a tenant asks you to.
Managing broadband as a landlordManaging broadband as a landlord is as simple or as involved as you want it to be.
For most tenants, the ability to arrange broadband is enough. They can sign up and manage their own contract without landlord interference.
This leaves you free to concentrate on other things and not have to worry about liability, paying the bill or how tenants use the connection.
We think this is the best possible option for landlords and definitely the path we would recommend taking!
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The Property Voice – Insight from Richard BrownThe topic of broadband in our homes will have taken on even greater significance over the past couple of years, due to the COVID19 pandemic. Even without the switch to home working or hybrid working, so many people now rely on fast and often data-heavy data services, such as gaming and media streaming services. This trend is likely to accelerate, along with the emergence and expansion of the ‘metaverse’.
In many ‘top 10 lists’ of what homeowners and renters look for in a property, broadband is sure to feature prominently. It can literally be the reason why a family with one or more home-based workers and data-hungry kids say no to a property. So, I agree it’s a very big deal. From our perspective, as property investors and developers, broadband should be something we explore BEFORE we take on a property or project, therefore. The two basic choices are ADSL/copper (slower) or fibre (faster). I would probably not buy a property to rent unless it could have a fibre connection these days; that’s how important it is!
A couple of additional things to consider, from my own experience.
- Connecting a broadband service takes time to do! I believe the average connection time is something like 3 weeks to get broadband connected unless stepping into the same service provider as the previous occupant. I could be wrong on this but it will mean a period where the tenant has no service at the start of the tenancy unless something is done to address this.
- A brand new service for developments/new builds takes even more time! If you are creating new units, then plan the new broadband connection as early as possible. The provider, usually BT, take their time to undertake surveys and plan for the infrastructure to cable to the site. Also, keep in mind that you cannot order broadband without having an address for the property registered with the Post Office. That also tales times AND is usually conditional on having other utilities connected and metered as well.
- Shared houses and short-term lets need more involvement. Jamie mentioned a few times that it is better not to get involved in the broadband setup and contract management, including for shared homes or HMOs. I differ slightly here in my own view, however. Yes, it will mean more admin with the setup, payment and any technical issue resolution, that’s true. However, if you go with a fast speed fibre service, pay using direct debit and consider using Wi-Fi boosters in a large property, it’s usually not a major hassle. With the exception of student HMOs, most shared houses and short-term lets have people coming and going at different times, so having a fast, reliable broadband service already set up will be easier for the tenants/guests and will also avoid the delay to set up the service too. In fact, most tenants and occupants of these properties expect it to be provided within the rent by the landlord.
- Always check the Internet connection at a property. There are two things on my viewing checklist that always take place that is relevant here. They are a) check the broadband connection type and service and b) also check the mobile signal (4G) coverage at the property. If these generate poor results, in either case, I’d suggest you move on.
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Helen Pollock from The BizBook Foundry joins me for the last episode this year. We go under cover to discover the book writing and publication process, both in general and specifically around the writing of The Complete Guide to Property Finance; launched on 21st December. The Complete Guide to Property Finance splits the topic into […]
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This week is different! I am joined on the podcast by…my podcast editor and producer, Shiggi Pakter! Obviously, we talk about podcasting from this side of the mic and how people can get involved and make it sustainable. Shiggi also guides people into the world of podcasting and other audio-visual communications. So, if you are […]
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“Sometimes, no matter what you do, you won’t get anything right; and other times, no matter what you do, everything you touch will turn to gold.” Yogendra Patel Today, I am joined once again by one of my buddies, Rupal Patel. Rupal is her own words ‘living the dream’ as a writer, professional speaker […]
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Today I am joined on the show by Kemi Egan, who is a property investor, author and entrepreneur. She should be familiar to our audience having joined me on other episodes over the years, including during the Women in Property series a while ago. Kemi and I have been friends for some time. […]
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“Don’t die with the music still inside of you.” That’s a quote attributed to Dr Wayne Dwyer and/or his wife, Serena Dwyer. However, as reminded tu us here by Daniel Hill, its origins actually stem from ancient wisdom rooted in Chinese philosophy. Indeed, we go on a bit of a tour, considering philosophy, psychology […]
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I’m sharing a small handful of conversations with some of my property and business buddies over the next few weeks as a bridge between the old and the new podcast. This week, my old buddy, Damien Fogg, joins me to talk a kind of ‘nonsense all sense’, if that makes any sense? We cover […]
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We switch gears a little after our last series. Let’s start us off with a conversation I had with Matt Baker, who wrote the book Next Level Landlord. He is also a business founder, trainer, developer and potential most impressively, also a musician, with a penchant for South American music. Matt and his co-hosts, […]
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We have come to the end of our latest series looking at the 10 property core skills. However, just as these core property skills will keep you safe, there’s more of you are looking to grow and scale. This week, I share the BIG two property skills that provide the link between these […]
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We have Anthony Boyce, Paul Million, Craig Mitchell, Ryan King and myself to bring a balanced and at times forthright perspective to the topic of marketing in our property businesses. What is marketing? Where do we tend to hang out? What are you currently doing and is it working? Some top tips and wise […]
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We are getting close to the end of this series covering property core skills now. This week, our panelists of Jeff Unsworth, Nana Piesie, Carl Gilbert and Dominick Hardy discuss systems and processes with me. It’s not what you do, it’s the way that you do it, as the old song goes. […]
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It’s another panel discussion on this week’s TPV podcast. I am joined by Dominick Hardy, Jeff Unsworth, Carl Gilbert and Nana Piesie. Our topic of discussion is investment criteria and deal/property review. It’s like a before and after assessment of our property deals in other words. Before – what is our property investment […]
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3 for the price of one this week! We pick up the pace a bit this week as we cover the final 3 property core skills in today’s episode. They are as follows: Investment criteria and deal review. Systems and process. Marketing and promotion. So, quite a mixture then! Everything comes in 3s […]
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In this week’s episode, I am joined by Jeff Unsworth, Nana Piesie, Emelie Lindberg & David Masters. We discuss undertaking research and analysis on our investments and developments, looking from both an area and also a property point of view. There are some real pearls of wisdom that emerge as top tips, including the following… […]
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Here we go again with another property core skill, looking at research and analysis. We break the topic down into three parts: area, property, and service providers. We will consider the main things to look into before deciding to proceed in each of these elements. Enjoy! Resources: to The Property Voice YouTube Channel The […]
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It’s time for another panel discussion in our series covering the Property Core Skills. Joining me to talk about managing our property budgets and cashflow are Dominic Hardy, Sergio Grande and Jeff Unsworth. The panel share their own use of budgeting and cashflow management in their both their own portfolios and in a professional […]
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Here we go again with another Property Core Skill. This one is all about managing the pennies, as we dig into managing our property budgets and cashflow. We break the topic down onto three sections. Before acquisition deal evaluation, planning and set up; managing the budgets and cashflow of projects; and developments and managing […]
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I am joined by some wonderful panelists again this week as we delve into the topic of people a bit deeper. Kelly Statham, Cara Cunniff, Sue Whittle and Nana Piesie are my co-panelists this week. Make sure you check out their contact details and connect with them won’t you? We cover understanding ourselves and […]
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We continue the series of Property Core Skills, this time looking at the people element. I am no psychologist so I can only share from my own experience and insights. I have broken down the topic into three key segments: understanding ourselves and others, managing people and dealing with difficult situations. Listen in and […]
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Today, I am joined by Richard Parker, Daniel Riley and Sergio Grande as we discuss managing projects. Here’s a quick summary of what we cover… What is a project? Common or consistent elements to a project, budgets, timing & contingency plans, how projects can go wrong, project and site management, project roles, ream members […]
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Joining me again this week with our panel discussion are Kelly Statham, an award-winning letting agent, Richard Parker, author of SSAS Pension Legacy and experienced portfolio landlord and Nana Piesie, co-host of the Pengaflode Podcast and early stage overseas-based landlord/investor. We pick up the second half of our panel discussion this week looking at […]
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Joining me this week on our panel discussion are Kelly Statham, an award-winning letting agent, Richard Parker, author of SSAS Pension Legacy and experienced portfolio landlord and Nana Piesie, co-host of the Pengaflode Podcast and early stage landlord/investor. We start this first part of our discussion considering how to go about managing our […]
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We proceed through more of the property core skills, with this week being something of a double-header. We will look at managing properties and our portfolio as well as managing projects. There’s a fair degree of common ground here, with several recurring themes. Location & investment fundamentals, running the numbers, occupancy & buyer […]
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This is the second part of a panel discussion around finding funds, our second property core skill. Join me, Bronwen Vearncombe, Nana Piesie, Dominick Hardy, Anthony Boyce along with a cameo appearance from Sergio Grande, as we talk this week about alternative finance and a foray into creative finance as well. I then wrap […]
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They just had so much to say! This is the first part of a panel discussion around finding funds, our second property core skill. Join me, Bronwen Vearncombe , Nana Piesie, Dominick Hardy, and Anthony Boyce as we talk this week about institutional finance and a glimpse into alternative finance too. There’s plenty of […]
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Here comes our second Property Core Skill: Finding Funds. Arguably, if we sort out the first two property core skills of finding deals and finding funds, we are home and dry. Well…almost! However, these first two do form the bedrock upon which all of the other property core skills are built. So, let’s discuss […]
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We extend the conversation around the first of our property core skills: finding deals. This week is ‘discussion week’, where I am joined by some of the members of the TPV community. They share what works for them and what they have learned along the way when it comes to finding deals. Enjoy […]
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This week we delve into the first of our property core skills: finding deals. We will cover where to find them, deal and pipeline progression, deal positioning, and vendor or owner alignment. This week is ‘content week’, which will be followed next week by ‘discussion week’ on the same topic. I hope […]
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This week we launch a brand new series on the podcast. The theme is Property Core Skills and this week is the introduction. Each week we will cover one of the core skills and there is a chance for you to get involved in the conversation too. Here are the core skills that we […]
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Did you miss me? I’ve had a short, unplanned break from the podcast these past four weeks…but we’re back! Where have I been, let’s meet the new TPV Apprentices and what’s coming up next on podcast? A quick run down of this for this week and then we shall launch into a new series […]
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We need plenty of ‘tions’ in this business, specifically: ✳️ Inspiration ✳️ Education ✳️ Perspiration ✳️ Imagination As we progress through our own personal property journey, our needs will also change. We need inspiration from others to get going. We need RELEVANT and contextual education that is designed around our unique skills, resources […]
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April 2015 was the month when this podcast all began. Here we are 6 years later with almost 300 episodes, 400,000 downloads, 10 full and mini-series, 62 YPN magazine articles, (almost) 3 books and countless other blogs, forum responses and social media content stages later. So, let’s mark the occasion with a mini-celebration shall […]
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We bring this sprint challenge and mini-series to an end this week. The last 6 weeks of this first quarter of the year has been quite an adventure. Yes, there’s achievement and yes it’s also been bloody hard work at times to realise that achievement too. However, there’s always something to learn from our […]
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Here we go with the penultimate week of this sprint challenge. Well, you can’t win them all…and nor should you in this business! So, when you go through all the no’s and knock backs, you simply must stop and celebrate the yeses well. The wins certainly do taste sweet but make sure you pause […]
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After 3 weeks with giants strides made towards the Q1 sprint goals, somewhat inevitably this week was a bit like baby steps or even standing still. Hence the title of grinding it out. Still, there’s lots to learn, for example how business brokers can sometimes set an unrealistic expectation in the mind of a […]
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We reach the halfway stage in this sprint goal challenge this week. But first, I want to recognise International Women’s Day with the appreciation for and acknowledgment of some of the wonderful women around me and more widely. As far as the progress on the goals is concerned, there’s plenty going on in all four […]
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Week 2 of 6 and already we’ve upped our goals! I was referred to a Darren Hardy video where he spoke about smashing your goal expectations by tripling the number in a third of the time. He posed the question to ask yourself…”it’s impossible, unless?”. Framing the question this way makes our brain treat it […]
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We have just 6 weeks to go until the end of the first quarter of the year. So, I decided to mix it up a little with the podcast for that time-period with a mini-series around sprint goals for the quarter. This week is very much an intro and scene-setting episode. Then, over each […]
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Private Financing is something of The Holy Grail for property investors and developers. Whether it’s debt or equity, there are 6 key areas that need to be considered from BOTH sides of the conversion… The project, the parties, the terms, the security, the advisors and the paperwork. Let’s dive into this topic, which just […]
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Lately, many people have been asking me ‘how can I find great property deals’. But that’s the wrong question! The right question should be ‘how do I get to have meaningful conversations with property owners?’. That’s much more powerful on many levels. It means speaking to the property owner. Then having a […]
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This week, I was reminded of how wonderful it is to have my property buddies around me. Whether it’s a mentor, mastermind group, networking community, an accountability buddy or just a property pal to chat to…get one…get some. They could make all the difference… Resources: Link to The Property Voice YouTube Channel The Property Voice […]
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During January, I ran a 15-day challenge called TPV 2021 Reset. You might have heard about it if you follow me on social media 😜 Today, I run through the components of this challenge, as it offers an opportunity to revisit your plans and goals for the year…but in a deeper and more […]
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This is the last TPV podcast of the year for us…boo! However, we will use the experiences of some of the most recent TPV Apprentices, who reflected in their last 100 days, as a way in which we can all perhaps reflect and plan ahead too. Trusting the process means there is a […]
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At some point in time, we will either think we don’t have enough money to start, continue or we may well run out of money before reaching our ‘big hairy audacious goals’ of financial freedom, lifestyle and choice. So, that’s that then is it? …Well, this episode would be a short if it was. So, […]
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How can a simple metric be so meaningful and helpful? Let’s dig into the two sides of this simple equation and let it guide us with some of our property investment decision-making. Net returns on the top, with our ‘skin in the game’ at the bottom. This simple, yet often misrepresented calculation reveals so much. […]
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Join me as I chat to Dr Nathalia Guimaraes, who is a professional Nutritionist and Registered Dietician. What has this got to do with property you might ask? Well, pretty much everything, as our health and vitality is essential for physical and emotional balance, as well as peak performance. What is the most […]
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Here’s an episode that nobody wants, yet everyone needs. Trust me on this. I maintain that if we need to master one single skill in this business of ours, it is to master the disciple of undertaking proper due diligence. Understand the difference between research and due diligence, some of the lessons I […]
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Let’s celebrate five wonderful and aspiring Young TPV Apprentices this week shall we? George, Matt, Jade, Ryan and Joe have been on through a whirlwind 30-day programme to develop a custom-designed route plan. The result is not just a property plan but a design for life. Their shares have genuinely inspired me…and I hope […]
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A few strands of thought came together over the past few days that inspired today’s episode. The idea that we kind of know what we need to know already but don’t always DO what we need to do. Why is that? Very often, it’s our own thoughts and behaviour that holds us back. Patterns […]
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In most markets, a price is struck between a ‘willing buyer and a willing seller on an arm’s length basis agreeing on a fair exchange’. However, in the property market, there are other stakeholders and influences that have a bearing on the market price. Today, I shall share with you some of the key […]
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Last time out, we looked at the 3Fs of Property ProFFFit. One of these was to ‘force the appreciation’ or adding value in other words. Today, we consider the top 10 ways to add value to a property project. But there’s more… We also consider ‘return on works investment’ and the 3Rs of evaluating […]
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Just lately, I have spoken at length to several of the TPV Apprentices about some of my personal property investment philosophy. This can best be summarised as aiming to seek out clear and tangible ways that we can control how we profit through property. I describe these as the 3Fs of Property ProFFFit. If you […]
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I had to practice the 5-Second Rule (Mel Robbins) this week in order to drag myself back to the microphone but here I am! Let’s get back into our stride with a compare and contrast between no less than 14 different people at different stages of their TPV Property Apprentice journey. I like to […]
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This week we share Richard’s guest appearance on the Pengafolde Podcast in Sweden, hosted by Nana Piesie. Martin eases us back into the grove after a few weeks off from TPV Podcast by sharing this guest appearance. Listen as Richard talks about some things you might not have heard mentioned too much before. Topics […]
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What we have lined up today is a recent interview between Stephanie Taylor, who is the host of what is a relatively new series called Property Gamechangers and our very own Richard Brown, The Property Voice. This is a series that is hosted on Facebook live, where Stephanie interviews, people that have achieved a […]
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13 episodes, 17 great guests (+1) and as I saw it,15 common themes…that’s the culmination of another series on going full-time in property. I was joined by some everyday people doing extraordinary things that you don’t see every day in life. From people who literally do have the t-shirt and can live off the […]
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Today we share part two of a panel discussion with some ‘new adventurers’ or people really just at the beginning of their journey, with an intention to go full time in property. We’re joined again by Nana, Martin, Silvana, David, Sion, and Dominick. This time, we discuss property education and communities, purpose and motivation, […]
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Today we share part one of a panel discussion with some ‘new adventurers’ or people really just at the beginning of their journey, but their clear intention is to go full time in property. We’re joined today by Nana, Martin, Silvana, David, Sion, and Dominick. I noticed actually that there’s two of them that […]
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Here is the second part of the panel discussion with some ‘second-steppers’, Carl Gilbert, Anthony Boyce, Omanice Olusola, Sven Chesters and Daniel Riley as we host a panel discussion together. Part two sees us dig into some of the realities and lessons learned so far, along with some tips and advice for those looking […]
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We change direction a little for the next few weeks in this series. Before now we have heard from many that have achieved wealth or financial independence by being full-time in property. Get ready as for the next few weeks we hold panel discussions with some ‘second-steppers’ this week and next, followed by some […]
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Time to turn the microphone around as Helen Pollock, The Content Doc, returns to pose the questions as I sit in the guest seat for a change. Listen as I share my own story of going full-time in property with you. Despite being a little sketchy on some the exact dates, I share what […]
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Long-time friend of The Property Voice, Damien Fogg joins us again today. From MOD to financially free before age thirty-three! Damien adopted a few principles that we have not seen too much of in this series so far. For example, he literally immersed himself in the property industry. He became a chartered surveyor and […]
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Paul Million, yes his real name, has been in the property business for almost 3 decades. He started investing whilst in the Royal Navy and grafted his way to becoming full time in property. As he puts it, with ‘head down and arse up’. He has a fascinating story of how he persuaded a […]
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Today, we welcome back a long-time friend of The Property Voice, as Kemi Egan returns to share her story. From a self-confessed ‘sporty-nerd’, Kemi had a tricky experience with running her own sports physiotherapy business to such an extent that she even had to live at the business premises, taking showers at a nearby […]
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Let me introduce you to Rupal Patel, who followed a ‘non-planned plan’ with property as a means to and end of discovering and then realising a ‘multi-passionate’ lifestyle. In her own words, she has gone from working in foreign intelligence to becoming CEO, realising that she needed to become her own boss…eventually setting up training […]
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From Ford Motor Company to Motorbiking across Nepal. That’s only part of the journey that Richard or Rich Parker has been on over the past 15 years or so. Starting in property as a hobby, Rich steadily accumulated a supplemental income stream but without a clear plan. That all changed after reading just one book…which […]
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Here we have our first ‘victim’ of the latest series of going full-time in property as Ian Brown (no relation) shares his story. Ian shares how he used ‘leverage on leverage’, became his own bank and created a diversified, multiple use rental property portfolio. Ian’s definition of true wealth is time freedom and now needs […]
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I am really excited about this new series, which is all about going full-time in property. Today is just a brief introduction to set the scene. What we shall aim to reveal over the coming weeks is to profile two types of people: those that have already gone full-time in property and those that […]
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Last week, we heard a few stories of some people that are striving to achieve something bigger than ourselves. In many ways, the dream, vision or purpose is only half of the story. This week, we look at the second half perhaps. Grit, resilience or fortitude are variations on the same theme. When the going […]
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Sometimes, you have one of those big, deep conversations that really makes you smile from the inside out with delight. Last week, I had one such conversation. One of the current TPV Apprentices outlined a BIG vision, goal and plan to me that had been lying dormant within her for a couple of decades. […]
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As a result of a few recent conversations, the topic of being ready to do a property deal has been on my mind. Whilst we are in lockdown it seems unlikely that we can be ready to do business doesn’t it? However, that is not necessarily true…we need to be prepared in terms of […]
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This week will examine the anatomy of different types of recession and how these could impact us. I will outline my 20-point checklist on how we can make our property portfolio bulletproof in response to these recessionary pressures. A glimpse of optimism is how we conclude as we look ahead in terms of trends […]
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This week I have been reflecting a little on what might be some emerging trends following this Coronavirus pandemic. Remote working, reduced real estate requirements for large corporations, sustainability, health and well-being all feature. What does it mean for us as property investors? That we are still figuring out but we can certainly start […]
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Let’s change the narrative a little this week. Today, I will share with you no less than 10 different tax saving pointers. Whether it is SDLT, CGT, Income/Corporation Tax, Council Tax or VAT…there’s a potential saving for you in here I am convinced. Tax is a specialist area and one that needs considered professional advice, […]
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So, last week I shared the 4 principles that I suggest can help us through this crisis: 1. Look after ourselves and others. 2. Control that which we can control. 3. Use this time wisely. 4. Look ahead for opportunities. This week, I am sharing how I have started to put these principles into practice […]
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Following on from last week, I wanted to share 4 principal areas that we can actively look to focus on as this crisis unfolds. 1. Look after ourselves & others. 2. Control that which we can control. 3. Use this time wisely. 4. Look ahead to the opportunities. I also share a new way to […]
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So, the topic on EVERYBODY’S mind is the Coronavirus and what it all means. In truth, nobody knows for sure! However, listen in as I share some of my own thoughts around our social and personal responsibilities, as well as some of the potential second and third-order consequences as landlords, investors and developers. There also […]
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This is the second half of the panel discussion around the theme of Co-Living. This is an emerging trend and so many of the concepts and practical elements shared are still emerging and at the early stages of development in the sector. However, it perhaps gives us a direction of travel as to how some […]
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Over the next two weeks, we will share a panel discussion around the theme of Co-Living. Co-Living is an emerging and growing trend within the property sector and PropTech space in many respects. Listen in as I host a panel discussion including Dan Jackson from Urban Shared, Luke Spikes from Higgihaus, David Bonk from Homefree […]
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Today, we have part two of the latest conversation with Helen Pollock, The Content Doc. Last week we discussed creating and sharing content generally and this week we do some live coaching around my latest book project specifically. Helen does a great job of cramming about a gazillion sessions into just one conversation to give […]
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I was chatting to the lovely Helen Pollock, The Content Doc, the other day about content creation and sharing, as I have a couple of book writing projects on the go. Then, we thought this might make a good conversation for a podcast chat. Why? Well, if you need to attract people towards you, perhaps […]
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Random conversations with three different investors. Naomi, who bought her own home, letting rooms out to lodgers whilst saving furiously for her first true rental property to help fund the income reduction of starting a family. Paul, who has had both a successful corporate career and can now live off his property portfolio income…but still […]
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Today’s podcast is a smorgasbord of questions posed by Anthony, Matthew, Dominick, and David from the TPV Mastermind Community. ‘Walk us through the numbers, how should we set our property strategy, tell us about investing overseas & how can you show skin in the game to a JV partner without money?’ These are the topics […]
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“You will be the same person in five years as you are today except for the people you meet and the books you read.” – Charlie ‘Tremendous’ Jones. Today, we shall pick up on the books part of these words of wisdom around personal growth and development. Last year I acquired 52 books…but how many […]
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Welcome back to the first The Property Voice podcast of the decade! The end of the year afforded an opportunity to do some reflecting and projecting I’m sure. However, how balanced are your goals and how comfortable are you with your personal development? Today, we will discuss a couple of concepts and tools to assist […]
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Join me, along with my guest, Cara Cunniff, in the final podcast of the year, as we talk systems and processes in your property business. Discover the difference between an automated system and a manual one. Understand the difference between Vital and Functional tasks. Plus, there’s the 4 steps to set up an efficient and […]
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This week and next, I want to share with you a ‘fireside chat’ that I had with Cara Cunniff from Precision Property. Cara has a wonderful back story, where the only constant was change. She also has a some really sound advice on setting up and structuring your property business and in particular how best […]
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In this weeks show, we have two things to share with you. We are all busy striving for more in our property investments and businesses I’m sure. However, what about the rest of our life…how balanced is it? Listen in and perhaps join in with a little 21 day challenge in the new year to […]
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This is the fifth and final part in the mini-series between ‘Two Smart Buddies’, Rupal Patel and myself. This time, we talk about some of the crazy things that have happened to us in our property businesses…and what we have learned from them. We have had a death, a fire, rogue builders, trolls and even […]
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We continue the mini-series of conversations with my very smart property buddy, Rupal Patel. This week we are sharing our thoughts on what we call a property reality check. When you think of people in property, do terms such as authentic, genuine and trust rise to the forefront of your mind? Like all industries, […]
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We continue in our mini-series where Rupal Patel and I chat through topics close to our heart; this week it’s about setting up our property business correctly from the outset. We talk about some of the nuts and bolts of staffing and structure as well as some of the softer or less well-considered topics, […]
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Who is Sue? Well, have a listen in to this bonus episode to find out just who Sue is and what sort of impact she has had as a business coach on at least one of our latest TPV Apprentices. We are 58 days into the third TPV Apprentice Programme and here we share […]
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Continuing our five-part mini-series with my property buddy, Rupal Patel, Founder of Blue Infinity Group and Entreprenora. This time, we pose the question: ‘is it all about the money?’ I think you can probably guess that we believe that it’s not all about the money…but what is ‘it’ all about then? Well, you will just […]
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This week sees the first part of a five-part mini-series, where I am joined by a property buddy, Rupal Patel, Founder of Blue Infinity Group and Entreprenora. We jokingly describe these conversations between friends as Two Smart Buddies or 2SB for short. This first part is themed, ‘what advice would we give to our younger […]
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Today I discuss my personal interpretation of Margin of Safety. This was made famous by the likes of Benjamin Graham, Warren Buffett and Charlie Munger, all ‘value investors’. Their definition of margin of safety is the difference between an asset’s (or company’s) intrinsic value versus its market value. I take that concept a little […]
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When I say the word capital – what comes to mind? Probably money right? However, there are 8 different forms of capital and these can be layered and leveraged to multiply your overall capital…including your financial capital in your property business. This is the theme of this week’s show…the 8 different types of capital […]
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It’s been a tough few weeks in all honesty. Today’s share is a reflection on dealing with some of the growing pains that can come as we scale up our property business and spread our wings further afield. I also remind myself as much as anyone else to just stop and take stop of what […]
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Continuing to experiment with using video and audio in the podcast, so that you have more choice. This week, I wanted to share with the concepts of the Bluebird deal and the Black Swan event and how we should look for them and crucially how we should react when they come along. A Bluebird is […]
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Today is something of an experiment for you, as I am sat in front of my laptop with a recorded presentation slide show with video to record this week’s show! So, if you prefer to watch and listen and not just listen, you can now see a little part of me talking over a presentation […]
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One of the great things about hosting a podcast is the ability to choose what I am going to cover…and sometimes to choose when to go live too! One day late this week, let’s talk about going large, shall we? No, not large fries and a large drink…doing bigger property deals…that kind of large! The […]
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Today marks the end of our Property Heavyweights series, which I shall draw to a close by drawing some conclusions. Over the past couple of months, we have heard from nine titans of our industry. Some have made great strides in a relatively short period of time, although most have been at it for decades. […]
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Today, I am delighted to share a conversation I had with John Howard, who is one of the most accomplished property developers, traders and investors in the UK today, with four decades of experience in the industry. John’s proficiency stems from the purchase and sale of over 3,500 houses, apartments and developments within the UK. […]
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Today, I am delighted to share a conversation I had with Mike Hambright, who rather humbly describes himself as a real estate investor. He is also the Founder of a number of businesses, including Flip Nerd, which is building on Mike’s success having flipped over 300 houses himself and coached others who have flipped 1,000s […]
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Today, I am delighted to share a conversation I had with Abraham Bolel, who after twenty years in the business as a landlord, letting agent, property introducer is now managing director of a family office private bridging company. Listen, as we explore his path, including just a couple of wrong turns, before the life as […]
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Today, I am delighted to share a conversation I had with Reza Merchant, Founder & CEO The Collective. The Collective is essentially a pioneering, co-living brand that has raised over $700m in funds in a very short period of time to fuel their growth and international expansion. Reza is leading a purpose-driven business and […]
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Today, I am delighted to share a conversation I had with Gill Fielding the Founder and CEO of Fielding Financial and you might also recognise her as a Secret Millionaire as well. Gill is lovely and so easy to listen to. She is not only funny and self-effacing, but also shares so many nuggets […]
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Today, I am delighted to share a conversation I had with Joe Lieber, Founder of JL Investment Group. Joe has a wonderful temperament and mindset as I am sure you will hear. He is also a 22-year veteran of the Real Estate industry, based out of Cleveland, Ohio in the United States. He has […]
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Today, I am delighted to share a conversation I had Steve Bolton an ‘Eight Figure Founder’ of Platinum Property Partners, which I understand is one of the most successful franchises in UK history. He has other business interests as you will hear but he is also an Impact Investor & Philanthropist, so has a very […]
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As we are in the middle of another series, with our property heavyweights, I decided to record a bonus episode with a final recap from the 4 Apprentices from the second TPV Apprentice Programme. We will start with audio updates from Martin and Carl, followed by updates from Susan and Anthony, which I shall read […]
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Today, I am delighted to share a conversation I had with Zach Aarons, Co-Founder and Partner of the $40m MetaProp PropTech venture capital fund. I want you to stick with me right through to the end of this one, as Zach shares some absolute pearls of wisdom and imparts some gifts as to how you […]
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I am like a child on Christmas morning I can tell you! The reason being that I have been looking forward to this series on property heavyweights for some time. Some of my guests on this series joined me quite some time ago now and so I appreciate their patience with me here. Today, I […]
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No time to rest, as we dive right into another series, as we profile an eclectic and impressive handful of ‘Property Heavyweights’. Few and far between are those that have stood the test of time, achieved massive levels of success or are ripping up trees as they make strides in the modern-day property arena. […]
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Today is the end of the end of our Women in Property series…with the second and final recap and review. Let’s hear more of our insights and observations after interviewing no less than 12 wonderful women in property. Resources mentioned Property Deal Tips & How to Reach me By Telephone Link to the Podcast feedback […]
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Today is the beginning of the end of our Women in Property series…ahhh. So, what have we learned, what are the key learnings and takeaways from the great guests we have had join us over the past three months or so? That’s what Helen and I are trying to uncover on this first part of […]
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Today, Helen and I are joined on the show by Anna Clare Harper from Anglo Residential. When I originally caught up with Anna with a view to recording this episode in the Women in Property series; I got a sense of the big vision that she has. For example, when I said I wanted […]
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Today, Helen and I are joined on the show by Lisa Orme from Keys Mortgages. Lisa has personally been involved in at least a couple of hundred property deals in her own right over a couple of decades. She is also helping lots of landlords and developers with their mortgages and other lending […]
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Today, Helen and I are joined on the show by Olga Nechaeva from No White Walls. Olga is a self-described Woman From Mars, which if you have read the book Men are From Mars & Women are From Venus will make sense to you. I guess this helps to explain why Olga is a PropTech […]
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Today, Helen and I are joined on the show by Karolina Adamczyk from Ademchic, a design company working closely with developers. This one is another one that should not be missed…why? Well, Karolina’s infectious laugh for one thing! But on a more serious note, what I really enjoyed about this discussion was how Karolina managed […]
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I have recently changed podcast producer, thanks for everything over the past 3 years or so Matthew and Colin from The Podcast Host. However, my new producer unexpectedly became unavailable, so this is a bit of a DIY job this week, whilst I figure it all out. However, this does allow me to share an […]
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Today, Helen and I are joined on the show by Anne Timpany, who is an award-winning businesswoman. What is interesting about this discussion is the fact that, whilst Anne is not a property investor or developer, her business provides service to the sector…and in fact, she gives some tips on how we could be […]
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Today, Helen and I are joined on the show by Tara Coley, who has seen great success in her property business. In fact, she used her 9-month pregnancy and a further 9-months of maternity to become financially free to generate £10,000 per month in passive income through property. Tara has developed and learn a lot […]
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Today, Helen and I are joined on the show by Nicole Bremner from East Eight Developments. It was fair to say that Nicole gave a very open, frank and at times pessimistic view of what it is like being a property developer. So many warts and all insights were shared during the conversation, with […]
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Today, Helen and I are joined on the show by Jacquie Edwards a.k.a Property Go-To Girl, or as Helen describes her, ‘the doyenne of Rent to Rent’. I did have to look up the word doyenne, as Helen has a much wider vocabulary than I do and found that it means ‘the most respected or […]
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Resources mentioned Property Deal Tips & How to Reach me By Telephone Link to the Podcast feedback survey Contact Lizzie Frazer: lizzie@qbinvesting.com or visit her website www.qbinvesting.com or social media accounts: Linked In: linkedin.com/in/lizziefrazer Instagram: @lizzie.frazer & Facebook: @lizzie.frazerDubaiUK Today’s must do’s Subscribe to and review the show in iTunes…and while you are at it please […]
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Resources mentioned Property Deal Tips & How to Reach me By Telephone Link to the Podcast feedback survey Rupal Patel’s email address rupal@blueinfinyproperty.com Blue Infinity Property Group website Tim Ferriss TED Talk with his Fear-setting exercise Today’s must do’s Subscribe to and review the show in iTunes…and while you are at it please help us to […]
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We are starting to get into our stride a bit now in this Women in Property series. Today, Helen and I are joined on the show by Samantha Collett. Perhaps you may know her from the What Sam Saw Today blog, which as it happens was one of the sites that inspired me to start […]
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I don’t want to interrupt the focus of the Women in Property series, but I did want to share an update on the latest TPV Apprentice Programme with you. So, this is a bonus update from the Apprentices in their own words, as well as an explanation of what the programme is all about and […]
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We start our guest interviews for the Women in Property series with a bang, as we have the delightful Vanessa Warwick to share her story from rock n’ roll to bricks and mortar with Helen and I. Listen out for the Bengal Tigers, or Bengal Tiger cats purring away as Vanessa relays her property journey […]
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I have been looking forward to this series for some time now…it’s all about Women in Property! As you are about to hear, we have some great guests lined up to share their stories over the course of the next few weeks, to act as inspiration and aspirational role models for both women and men […]
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I have literally just taken a 4-week trip across 5 different time zones living out of a suitcase and working from my laptop and the Cloud…so I guess it seemed quite natural to talk a little more about that sort of lifestyle with you. So, let’s get into some of the realities of living a […]
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So, we started out on a short journey in November and finished at Kings Cross Station last Saturday as a small group. Therefore, I just wanted to spend a few minutes today sharing what the TPV Apprentice Programme is all about and how the guys found it. Resources mentioned Property Deal Tips & How to […]
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Today, I wanted to share a little bit about my day out on site yesterday with some members of my community just to give you something of a fly on the wall insight into how that went. Join me as I share how a two-day site visit went, where we looked at a commercial conversion, […]
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Today is for you if you feel a little bit different, perhaps even a misfit, dropout or a dreamer even. I am going to highlight the four main barriers to getting what you want out of property and discuss a few ways of how to combat these right now. Resources mentioned Property Deal Tips & […]
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Well, at the time of recording, it is my Birthday and I am on a short break with my family in New York before heading to Utah for a week of skiing. As a result, today’s episode is going to be a short, yet important one. Warren Buffett and Charlie Munger might be value investors, […]
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I was chatting to someone on one of my Earn & Learn programmes the other day before the call got going in earnest. He has been trying to make an assisted sale strategy linked to high-end properties work for a couple of years now. The results have at best been mixed, with lots of hurdles […]
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By: vulcanpost Today, I wanted to share a short list of just 10 slightly unusual places to find your next property deal or even an investment partner. My mantra when I meet someone at a network event these days is that I only need two things; property projects and investment for property projects. That’s usually a […]
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photo by: nreionline What has been on my mind a LOT is my latest book, called #PropTech. Anyone that is connected to me on social media or on my mailing list will no doubt testify to that! But there is the story of the book and then there is the story of making the book, […]
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Photo by: CNBC.com ‘The best thing a human being can do is help another human being know more.’ Charlie Munger I want to share with you some of the salient points from one of the books I read over the Christmas period today, because quite frankly it’s gold dust! Imagine spending an extended tutorial with […]
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Today is aimed at sharing a little about progress during the year, but most of all about taking positive action towards your plans, hopes and dreams for the future too. The short-but-sweet theme is inspired by someone who wrote in to say this: ‘I am emailing you because today I have decided to take […]
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Before I get too far into the theme of today’s show, I just wanted to alert you to the launch of my latest book: #PropTech: A guide to how property technology is changing how we live, work and invest. It will launch on Friday 14th December, so just in time for a last minute Christmas stocking […]
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Image by: SWNS As we near the end of this mini-series, today we shall look at tradespeople. We are likely to encounter at least the following categories of tradesperson as investors or developers: builder, bricklayer, carpenter, joiner, plasterer, plumber, heating engineer, electrician, painter/decorator, flooring fitter, door/window fitter, roofer, gardener/landscaper and general labourer…phew, that’s a lot! […]
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We continue with the mini-series on property horror stories, this time focusing on tenants. I consider myself quite fortunate as a landlord, as I really don’t have that many stories to share, thank goodness! However, with a little help from my friends, here are some tenant horror stories that you would not wish to encounter […]
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There are on occasion deals to be done by buying new build or direct from the developer. For example, at certain points in the property cycle, we can potentially lock in some capital growth by buying off-plan. Alternatively, buying at or after development completion can sometimes offer an opportunity to bag a discount from a […]
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Once again, to set the scene a little, I have a diversified property portfolio spanning four different countries, so I do need to rely on letting agents and property managers to support me. However, now and again you do find a bad apple, as with any industry. Today’s episode highlights a few cases […]
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We continue with the mini-series on property horror stories, this time focusing on property deal sourcers. These cases are genuine, real-life situations based on my own experiences and of people close to me. They could well shock you and put you off, although keep in mind that these are the deals that have gone particularly […]
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Things in property do not always go according to plan and if anyone every tells you that they always do and everything is great all the time, then they are either inexperienced or not telling you the full truth, sorry to say that. In fact, I swapped texts with a fellow investor/developer late on Friday […]
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It has been a while since I covered this topic, but it is one that many people are interested in hearing about; funding joint ventures in property. Today, I thought I would share the Big 6 things that need to be considered in any JV pitch and especially any JV discussion. Then, we will […]
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As you know, I had a little downtime over the later part of the summer. During this time, among other things, I managed to catch up with a bit of reading…or rather listening to audiobooks. I love reading books that help me see things in a different or new light, so today I wanted to […]
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I’m back…did you miss me? Well, technically I have not been away as far as the podcast is concerned, as I pre-recorded a number of those holiday short episodes over the past few weeks. Did you enjoy those? If so, drop me a line to say so and I could perhaps consider doing that again […]
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Today’s holiday short comes from Lee, who asks: I’ve read lots of strategies of turning x into y by recycling deposits, etc. and it all sounds great and all, but what I can’t make sense of is that surely by refinancing in this way on one hand you get your deposit back (in theory) but […]
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Today’s holiday short comes from Omar, who asks: Mortgage providers generally want people to have an income of above £25k, and rental income does not count towards that minimum income requirement. So how do full time property investors, with no job other than investing in property, attain a mortgage? If you have any plans to […]
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Today’s holiday short comes from Paul, who asks: I was wondering before I do get my hopes up for a future in property. I am basically a lender’s worst nightmare – A bottom feeder when it comes to borrowing. A very low credit score, thanks to a few hiccups in life, as we all have now and again. I’m […]
The post Soundbite: How Does a ‘Bottom-Feeder’ with Bad Credit Get a Mortgage? appeared first on The Property Voice.
Today’s holiday short comes from Adam, who asks: I’m just looking for some advice/guidance on finding my investment goldmine area. I would just like to know what method(s) I should use for deciding on the best investment area for me. I feel semi-confident about assessing an area but where do I even begin looking? My […]
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Image Source: Getty Image Today’s holiday short comes from Henry, a student who asks: I am a current student in Edinburgh, UK and do not currently have any properties under my belt, however, I am interested in getting into property investment and development as a hobby and potential long-term income stream. As an individual who […]
The post Soundbite: I am young, so how can I get involved in property investing? appeared first on The Property Voice.
So, my podcast producer and I are about to go on our respective holidays…separately OK? In the meantime, I have prepared some ‘holiday shorts’ to keep you company whilst I am away. Over the next few weeks, I plan to share some forum poster, YPN magazine reader and podcast listener questions that I have answered […]
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Today’s theme is something I have covered before in more than one way, and I will do so again, without apology. There is a very good reason for this…it is so, so key to our motivation, mental well-being and ultimately also to our success, that it has to be constantly watered and nurtured. As […]
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I get to see LOTS of potential property deals each and every week. I am looking for potential opportunities for myself, for a select number of clients and also for a small number of subscribers to our Property Deal Tips service as well. In addition to our own systems, I am also on a large […]
The post Soundbite: Just say no! Some property deals I just would not do…and why not. appeared first on The Property Voice.
I always carry a little notebook around with me to jot down ideas for the podcast and magazine articles. Of course, these days its not exactly a paper notebook, it’s the notes feature on my phone…but you get the concept. In fact, the notebook on the phone is an example of what I […]
The post Soundbite: Every property investor needs a Freddie! appeared first on The Property Voice.
In today’s show, I thought I would share with you some of the activities that I get up to in a day as an active investor. Today may not exactly be a typical day as such…for a start, it’s based on today with today being a Monday…and I don’t particularly like Mondays as you […]
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Just before we get into it, I forgot to mention that we had the third Birthday of The Property Voice Podcast mid-way through the PropTech series; three years and approaching 150 episodes of the podcast…isn’t that something? Now that we have completed the PropTech series, I thought it would be a good time to […]
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After 26 episodes, 17 very special guests, spanning industry influencers, academics, journalists, company founders and all-round know-their-PropTech-stuff experts that have joined me, along with almost 100,000 downloads from you lovely people…we are here, at the beginning of the end… Today, we draw some conclusions, wrap-up the PropTech series and we have just enough room for […]
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I am joined on today’s show by Greg Lindsay, who is a journalist, urbanist, futurist, and speaker based out of New York. This week we let the reigns off a bit and venture into discussing the big picture, future housing trends and smart cities within the overall context of PropTech. If you want to […]
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First, we had the Internet, then the Mobile Internet…the next big wave in technological platform transformation could well be Blockchain Technology! Whilst many people will associate Blockchain with cryptocurrencies and Bitcoin in particular, it is far more versatile and sophisticated than merely offering an electronic currency trading platform. Today, we shall dig a little deeper […]
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One aspect of PropTech that I have been very intrigued with is Blockchain technology. Today, I am joined on the show my Jakob Drzazga, Managing Director and Co-Founder of Brickblock, a real estate company using the Blockchain. Listen as we discover where Blockchain technology and real estate is right now and where it could all […]
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I am joined on the show this week by Dominic Wilson, Co-Founder of Pi Labs, which is a dedicated PropTech venture capital fund. We take a look at PropTech and PropTech companies through the lens of a highly specialised and sharply focused sophisticated investor, which was a real treat to me I have to […]
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Today, I plan to summarise some of the other PropTech / EdTech options available to us as property investors and developers, along with a general introduction to the topic of learning and development in general and property training and development in particular. Resources mentioned ink to the Podcast feedback survey Today’s must do’s Subscribe to […]
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Over the past few weeks, we have been covering FinTech in particular. So, this week, I plan to wrap up the FinTech theme based on much of what came out of my discussions with Ray from UnMortgage, Ishaan from Trussle and Ian from LendInvest. However, I shall also add in some extras from my […]
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I am joined on today’s show by Ian Thomas, Co-Founder of LendInvest, the alternative lending platform for property developers and investors. Starting a lending company in 2008 might have sounded like a risky thing to do, but as we shall hear, there was an opportunity to fund some decent deals in the void of lending […]
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How does a fully digital end-to-end mortgage application using your mobile phone and laptop sound to you? Yes, that’s certainly possible today as we shall hear from today’s guest, Ishaan Malhi CEO and Founder of Trussle, the online mortgage broker. We hear how Trussle and others like them are making strides with data, design and […]
The post Series 4 PropTech: FinTech within PropTech Part 2 – with Ishaan Malhi from Trussle appeared first on The Property Voice.
I am joined on the show today by Ray Rafiq-Omar from UnMortgage, who also writes and comments on the PropTech Sector for Property Industry Eye. As you will hear, Ray does not hold back in expressing his views about the sector, sharing some disappointment for his perception of a lack of innovation at times. However, […]
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Today, I plan to go a little wider and deeper into the topic of the Sharing Economy. We might think of Uber and Airbnb, potentially as a small minority of those making waves in this sector. However, as we shall see, there are others emerging, and they could offer us both a threat and an […]
The post Series 4 PropTech: The Sharing Economy Part 2 appeared first on The Property Voice.
I am joined on the show today by Will Handley, the CEO of HomeRenter. We are discussing the Sharing Economy. So, let’s have a listen in, as we talk about the ‘poster children of the sharing economy’, issues such as trust and regulation, as well as where it may all be heading in the […]
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Image Copyright baltimorevelo.com, sketchup.com, google & purcellit.co.uk This is the second of my ‘two-parter’ with Dawn Lyle, from iCreate. We left off last time after talking about the psychological benefits and emotional engagement of Virtual and Augmented Reality. So, today we dig a little deeper into some of the harder benefits, use applications and ROI of […]
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Image Copyright from ICreate Series 4 PropTech: Augmented & Virtual Reality Part 1 – with Dawn Lyle from iCreate I am joined on the show today with Dawn Lyle, the founder of a visual communications and marketing company in the property sector called iCreate. We delve into the subject of augmented and virtual reality, sharing […]
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Today is one of those episodes where you might just get to hear of a useful piece of technology or an app that could actually help to make your property life that little more useful, enjoyable or productive. I have gathered a list of apps together from some of our recent guests, some of you lovely […]
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I am joined on the show today by Tom Shrive, CEO & co-Founder of AskPorter, an artificial intelligence, omni-communication channel property management platform. Sometimes, I just love what I do on this podcast, as I get to speak to all sorts of smart people doing exciting things. These last few weeks have been like that […]
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I am joined on the show today by James Davis, who is the Founder and CEO of Upad, ‘the UK’s leading online agent’. James really did develop Upad out of frustration based on his personal experience of the lettings industry as a landlord of many years. He has a philosophy that also serves the majority […]
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I am joined on the show today by Marc Trup, who is the CEO of Arthur, the property management platform. Besides discovering that Arthur is a he that has a personality, we also discover some of the possibilities that he and indeed other more current mobile-friendly property management platforms can bring to us. Enabling communications […]
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Joining me on this week’s show once again is Andy Cox from ThroughMyTV.com as we pick up the second half off our conversation on Smart Home technology. Building on last week, we discuss ease of use and installation, futureproofing our properties, costs of the systems, retrofit and some of the use applications or benefits of […]
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Joining me on this week’s show is Andy Cox from ThroughMyTV.com. We move into discussing Smart Home technology for these couple ofweeks and Andy certainly knows all about this with some very real hands on experience. If you are thinking, I am not sure about the real usecases and benefits of all this Prop Tech […]
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Over the past couple of weeks, we have heard from a small builder about what they are doing particularly with self-build and sustainable building materials, as I chatted to Malcolm and Richard from Greenheart Sustainable Building. Then, last time, I was joined by Matt Gough from Mace Group, on of the UK’s top contractors and […]
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Joining me on this week’s show is Matt Gough, Director of Innovation from Mace Group. I picked up a phrase from a developer several years ago, which was ‘follow the money’. In his case, he was monitoring where the smart, institutional investors were doing and following their lead. Today is an opportunity to be a […]
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Joining me on this week’s show are Malcom McMahon and Richard Hatfield from Greenheart Sustainable Construction. They walk me through some of the current trends in building methods and alternative building materials, along with some of the potential obstacles that they envisage along the way. From SIPs to Pre-Fab to I-Beams and Hempcrete and Grand […]
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I just wanted to pause for a moment this week, after our two heavyweight guests from the last couple of weeks, to take stock and perhaps consolidate a little. What exactly is PropTech, how will it impact our lives and what should we be looking out for? These are some of the questions that I […]
The post Series 4 PropTech: Introduction to Property Technology Part 3 – What’s all the fuss about? appeared first on The Property Voice.
As we continue our overview of PropTech, I am joined on the show today by Dan Hughes who is Director of Data & Information Products and PropTech Lead to RICS. He, as a part of his role within RICS, was recently voted as the number one influencer in PropTech, so it will be very interesting […]
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OK, so after way longer than I originally intended, we are ready to go with our brand new series on the use, application and impact of technology in property, under the general theme of PropTech. Over the next couple of weeks, I plan to share something of an introduction and overview of PropTech. To help […]
The post Series 4 PropTech: Introduction to Property Technology Part 1 – with Andrew Baum appeared first on The Property Voice.
Happy New Year! I hope that you had a great Christmas and New Year break…now be honest, who was checking Rightmove on Boxing Day then? Apparently, it is one of the busiest days of the year for the site. Well, when I recorded the final episode of 2017 in mid-December, I did say that the […]
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The festive period is upon us, Christmas parties are being booked…in fact, some have happened already I hear! Photos of snow-filled roads and gardens fill social media, so it can only mean one thing for the professional property investor: the annual goals review & planning exercise! Join me as I outline the DDD or Deliberate, […]
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Why would you rent out a room in your own home or investment property to a stranger? Robert Kiyosaki suggests that our own home is definitely not an asset, because it does not put money in our pocket each month or year…in fact, it usually only takes money out of our pocket! Therefore, if we […]
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It’s usually on my mind to cover off some of the key points from the Chancellor’s Budget and that’s the plan for this week’s episode too. So, after a seemingly endless raft of changes from recent Budgets & Autumn Statements – now merged into one annual Budget, what do we have to look forward to, […]
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A few weeks ago, I spoke about asset bubbles. One of the things that puzzled me was how asset prices can run ahead of inflation. So, I have done some digging and come up with at least a partial explanation behind this strange phenomenon of property prices consistently outperforming inflation and average earnings. It’s not […]
The post Soundbite: Inflation & Property – Don’t believe the hype! appeared first on The Property Voice.
Last week I had a chat with a lovely property lady called Jane. The discussion included a number of the softer issues of being in property, or indeed any business, not just the harder issues. This lead to us talking about it all being a bit ‘woo woo’ perhaps. Or is it? I would argue […]
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Let’s talk about property bubbles. How can we spot them and what should we do to protect ourselves against them? In addition, I will share with you one way to find great property deals that can help to protect us against the potential impact of a property bubble by adding value, seeking higher returns or […]
The post Soundbite: How to Spot a Property Bubble and 10 Ways to Combat it appeared first on The Property Voice.
I have started monitoring Bitcoin and other crypto currencies of late and my observations are that it is all completely bonkers really! Don’t get me wrong, as I will reveal later, I am having a bit of fun with Bitcoin and some of its friends, but can we use it in our property business, can […]
The post Soundbite: Bitcoin, Crypto-currency & property: Does it add up? appeared first on The Property Voice.
In the more distant past, I would be highly speculative with my investment choices…often resulting in a string of ill-advised investments! Whilst not perfect now, I have evolved certain rules and approaches that I now follow that have helped me to overcome my own personal tendencies to invest with certain biases. Today, I shall share […]
The post Soundbite: 4 Investor Personality Types & 12 Investment Biases: Understand Why You Invest As You Do. appeared first on The Property Voice.
This was a question I was asked at a recent workshop I ran. Today I shall share some headline methods of how I go about de-risking my property portfolio and winder investment portfolio to some extent. As you will detect, the approach may evolve as your property portfolio also evolves, so it is something of […]
The post Soundbite: How would you de-risk your property portfolio? appeared first on The Property Voice.
Last week, we talked about the 4% Rule, which is a rough guide to calculating a fund value that you should be able to live on for the rest of your life. This week, I wanted to build on the idea a little further and go into a little more detail around the question: ‘How […]
The post Soundbite: Scaling Your Property Business Part 2 appeared first on The Property Voice.
A week or so ago, I had a couple of conversations with Jesse Fossey Taylor, who owns approaching 200 rental properties. We talked about several things in our first conversation, but the thing that struck me the most as being potentially the most useful to you was the topic of scaling our property business. Jesse […]
The post Soundbite: Scaling Your Property Business Part 1 appeared first on The Property Voice.
Last week, we talked about the 4% Rule, which is a rough guide to calculating a fund value that you should be able to live on for the rest of your life. This week, I wanted to build on the idea a little further and go into a little more detail around the question: ‘How […]
The post Soundbite: How Much is Enough: What’s Your Number? appeared first on The Property Voice.
When I finally stopped messing about with my personal finances and got my head around planning for my future, specifically my retirement, I set myself a goal. I wanted to retire on £25,000 a year…please don’t judge me on that! I then had a chat with an IFA and honestly, I nearly cried when he […]
The post Soundbite: How I Fixed My Retirement with a Single Property & ‘The 4% Rule’ appeared first on The Property Voice.
Today, I shall focus on another change for us property investors – the new lending requirements for portfolio landlords. Now, if you thought a portfolio landlord means people like Fergus Wilson with hundreds or even thousands of individual properties, think again. The magic number of rental properties that qualifies you as a ‘portfolio landlord’ and […]
The post Soundbite: Big Changes for Portfolio Landlords with 4 or More Rental Properties appeared first on The Property Voice.
I’m back after a summer break! Today I shall share some financial rules, principles and tips that I now adopt…and to some extent wish I had adopted sooner in my own personal financial life! You get to learn from some of my mistakes, hopefully also my later, better judgement as time has passed too, along […]
The post Soundbite: ‘Money for the Rest of Us’ Inspired Tips for Controlling Our Financial Future appeared first on The Property Voice.
Everyone loves to talk about house prices, don’t they? Whilst for me talking about house prices often leads to a speculative guess of what they will do, there is no doubt in my mind that UK house prices have been and will continue to be propped up over the long-term. Some may say by a […]
The post Soundbite: A Rigged System? Why UK house prices remain propped up appeared first on The Property Voice.
This is another of those myth-busting episodes for you. This time we will take a look at the widely held investment principle that states ‘we make our money when we buy’. Whilst, it might sound rather obvious and a clear statement of the truth, is there more to it than that? Let’s see what gets […]
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An advantage of having some out-of-season soundbite episodes is the flexibility to dive into topical issues. This week, the subject of risk has been knocking at my door in various quarters, not for me personally, but for people that I encounter. So, today we shall have a little chat about risk and it’s buddies uncertainty […]
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‘I need to go now and write everything down as you guys have blown my mind!’ These were the actual words of one of the attendees from our social meet up last Wednesday in London. So, what blew his mind you might well be asking? Well, I will tell you all in this week’s show […]
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Today’s show was inspired by a listener who dropped me a line asking to clear up how property profits are taxed. It is a commonly held belief that all property gains or profits on sale are taxed according to capital gains tax. However, is that strictly correct? Another commonly held belief is that of property […]
The post Soundbite: Truth or Myth – Property profit tax & house prices doubling every ten year appeared first on The Property Voice.
I decided to wear my heart on my sleeve a bit in today’s show after a couple of recent experiences. Some are my own, but a couple of other investors, including a mentee of mine have spoken recently about things going wrong and in particular the fear of things going wrong too. So, I plan […]
The post Soundbite: Failure, setback & defeat…how to handle it appeared first on The Property Voice.
I do like to get involved in the odd property forum and try to offer a bit of advice and support if I can. Today I am going to share with you the essence of a forum exchange that I had with an aspiring investor, adopting something similar to the approach I tend to take […]
The post Soundbite: Mini-Strategy Review: Does it sound like a plan? appeared first on The Property Voice.
Today, I wanted to answer the question…how much cash do I need to get started in property? When most people say property, they tend to mean BTL, so I shall certainly start by looking at BTL. However, as you will see, we may take a quick look at a couple of other options that require […]
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I am active in a couple of property forums and try to give back a little into the wider property community when I can. Here is the essence of a recent forum exchange that I decided to wade in on to offer some thoughts to help the poster, who was probably feeling a little like […]
The post Soundbite: Has the Property Ship Sailed? appeared first on The Property Voice.
The Property Voice Podcast – Soundbite: On location in the USA Damien and myself are on something of a busman’s holiday in Florida. I have net a number of developers, agents & finance people over a whistle-stop tour, whilst Damien has been shopping and visiting Disney World! We then got our heads together to knock the […]
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In something of a post script to Series 3 on raising finance in property, I am joined on the show by Amit Ramnani from Fernhill Partners. Amit is a wealth advisor and he explained to me how we can use an existing investment portfolio, consisting of various financial instruments such as stocks and shares, bonds […]
The post Series 3 Raising Finance: Using a Leveraged Investment Portfolio to Fund Property Activities appeared first on The Property Voice.
The Property Voice Podcast – Soundbite: People cannot change their nature…avoid the scorpions! This week is all about scorpions and frogs! Yes, it is about our fundamental human nature and for us to establish what that is with the people we encounter along the way. Listen in as I share a little about the characters […]
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The Property Voice Podcast – Soundbite: 10 Ways to Secure a Discounted Property This week is all about securing discounted property deals. If we are going to be professional property investors, then we need to know how to secure great property deals at the right price. It’s not as easy as getting Phil Spencer to […]
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The Property Voice Podcast – Soundbite: How Incentives are Driving My Investing Behaviour A former business colleague got in touch this week through Linked In and we had a catch-up chat. He asked me ‘so what do you think about all this landlord bashing and what are your thoughts about property investing going forward?’. Today’s […]
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Happy Birthday to us…we are two-years old! Yes, another year of the podcast to celebrate this week…but I will also give you an update on some of my own activities as it’s been a while since I last did that too. Spoiler alert…I have been applying some of the financing options discussed in the last […]
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Putting it all together; are the common themes, benefits, pitfalls & lessons in terms of property financing. This is a long overdue wrap up to this latest series of the podcast, so please tune in and help us all to get back into The Property Voice Podcast groove! Resources mentioned: Link to the free 3-Step […]
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The full podcast episode is slightly delayed this week…I will be right be right back with the full episode soon. Meanwhile, have a listen to the temporary short clip for details of a secret page that will give you a bit of a bonus whilst you are waiting 🙂 Passive Investment Link Ciao ciao
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Join Damien Fogg and I as we share some more of these creative financing strategies based on our own personal experience. Today we cover adverse possession, credit cards & personal loans, assignable off-plan contracts, friends and family and joint ventures Resources mentioned: Our forthcoming business planning workshop in London & Manchester, see the event page […]
The post Property Financing: 10x additional Creative Financing Strategies from our personal experience Part 2 | S3E17 appeared first on The Property Voice.
We have no less than 10 more property financing strategies at the more creative end of the spectrum to get through. So, buckle up and have a listen as I am joined once again by Damien Fogg as we share some of these based on our own personal experience. Given that neither Damien nor I […]
The post Property Financing: 10x Additional Creative Financing Strategies from our Personal Experience | S3E16 appeared first on The Property Voice.
Today we are taking the idea of financing to another and less obvious level. I am joined by Tony Gimple, who shares a few examples of how we can either raise or save money just by the way we structure our affairs. He talks about knowing where the bodies are buried, a perpetual tax-efficient wash […]
The post Property Financing: Raising or Saving Money through Tax-efficient Business Structures | S3E15 appeared first on The Property Voice.
Today we hone into a specific niche strategy, where rent-to-rent can be combined with one of the emerging strategies of the moment: serviced accommodation. I have labelled this as rent-to-sa to distinguish it a little. My guest today is Rob Stewart, who is a property investor and businessman, as well as being an educator. He […]
The post Property Financing: Rent-to-SA with Serviced Accommodation, or – A true win-win-win for all involved! | S3E14 appeared first on The Property Voice.
Rent-to-rent is considered to be a creative property strategy, as similarly to lease options, we can get to control and asset we do not and make a profit it from it. This is because we do not have to take and finance the purchase of the property. My guest this week is a lovely lady, […]
The post Property Financing: Rent-to-Rent – A real life Pursuit of Happyness story…homeless to property millionaire! | S3E13 appeared first on The Property Voice.
This week, we can look at lease options as a vehicle for our own property investing purposes and from the perspective of developing an additional income stream by packaging them up for other people. Control a property for profit from as little as a pound or sell it on for several thousands of pounds instead. […]
The post Property Financing: Lease Options – Control an asset you don’t own for profit…self-source or outsource as you prefer | S3E12 appeared first on The Property Voice.
Over the next few weeks, we shall look at how we may not actually require any financing at all, at least to begin with. We will consider how we can leverage an existing property owner’s asset and potentially their existing finance to fund our property investments. Today, we start with my discussion with […]
The post Property Financing: Lease Options – A retired footballer returns from the USA to build a portfolio using lease options | S3E11 appeared first on The Property Voice.
You have probably spotted that over recent weeks in this series that the range of financing options is becoming increasing more diverse, niche and…well decidedly alternative really. Today, we begin to blur the lines even further as we start migrating into more creative or hybrid financing methods. To some extent we already blurred the […]
The post Property Financing: JV Development Finance – It’s a time for opportunity…with a hint of caution | S3E09 appeared first on The Property Voice.
We all enjoy a bit of TV drama from time to time, don’t we? Well, I would also wager that we property investor types have had the odd snigger or even wow moment whilst watching the funding pitches on Dragons Den. Well, today we have a guest that has access to some real life dragons…well, […]
The post Property Financing: Angel Finance – Forget Dragons Den & Shark Tank…here we find the property financing angels in reality | S3E08 appeared first on The Property Voice.
After a structured asset finance career in the City, Piragash Sivanesan aims to bring large corporate finance know-how to the everyday property developer. We have a housing shortage in the UK and so property developments and conversions into homes for people to live in is both in high demand and potentially also offers great rewards […]
The post Property Financing: Development Finance – The 3P’s that turn a ‘Hope Project’ into an optimised funding solution | S3E07 appeared first on The Property Voice.
Last time out we talked about one brand of peer-to-peer lending and today we follow this up by talking to a guest who has worked on the inside of the creation of not one but three start-ups in the peer-to-peer lending & crowdfunding space, or ‘marketplace investing’ as it is now becoming known. Formally […]
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We now start to move ahead with some of the more alternative and creative forms of financing open to us property investors and developers over the next few weeks. We start off today by taking a quick look at peer-to-peer lending. I am joined on the show by one of these more emerging […]
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In today’s show, I wanted to just pause for thought a little on what we have covered so far. I thought I would add some practical application of residential mortgages, cash, BTL mortgages and bridging finance in order to get you thinking of how some of these more common financing methods could operate in your […]
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Discover the difference between ‘income-based lending’ and ‘asset-based lending’ as we explore bridging finance and similar types of short-term lending solutions, like auction finance. Then become a ‘savvy investor’ or even a ‘Ninja investor’ if you prefer, as we learn how to shrink our deposit, increase our purchasing power and act as if we […]
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Let’s start off this series three off proper by considering some of the more obvious ways of financing our property investments, however, with a bit of a twist as it will perhaps be coming from a less conventional angle. Today, we will talk a little bit about cash and what I call ‘institutional finance’ and […]
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Property financing is one of THE most important topics we could cover in property investing. It’s not just about cash and buy-to-let mortgages either, although, in order to do the series justice, we shall spend a little time talking about these options too. However, what I really want to get into in this series […]
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Often, when we consider becoming involved in property investing, we may think that it’s all about two main things: properties themselves and money. As much as it is about these things, there is another aspect to this business that we simply cannot overlook and that is: people. I would go as far as to say […]
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I wrote this piece at least a dozen times in my head over the years. I have posted on forums, drafted email responses to listener and reader questions and delivered pretty much the same speech to a few mentees as well. You see, I am not a big fan of off-plan, new-build property investment and […]
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A poster on a property forum said: ‘I currently own two BTL properties and for some time now been thinking about my next property strategy. I’ve decided joint ventures, specifically becoming a private/silent investor, is the way I really wish to go. However, having read many related articles and case studies, I can’t seem to […]
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Since the introduction of The Finance Bill 2016, and Clause 24 in particular, there has been much interest in the idea of investing in BTL through a limited company. However, as we shall discuss, one size does not necessarily fit all and so switching to a company ownership of rental properties may not suit everybody due […]
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Well, we created history last week by being the first country to vote to leave the European Union. It was a shock, even to the bookies…the bookies were of course wrong. It is THE dominant subject right now, whether that be in the news, on social media or in pretty much any conversation taking place […]
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A couple of sub ten-year olds provide us with the inspiration for today’s show, which is all about financial management. Teaching our kids how to manage their money is one thing, but what about us as adult property investors? Don’t take my advice on this one…I was actually quite poor with personal finance for many […]
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As property investors, we all need to find great property deals and opportunities don’t we? So, today, I wanted to share just seven of the ways in which we could go about looking for property deals without leaving home, in what I am calling the Property Sourcing 101. I will share a top tip to […]
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I wanted to share with you some of the insights that came out of my most recent article submission in the June issue of YPN magazine. I pose the question: Property investment…is it still worth it? In answering this question, we highlight what I call the Danger List, where those investors, which are most vulnerable […]
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Have money, make money…it’s easy right? Well, maybe it’s not quite that straightforward, but it will certainly open up a different set of opportunities when compared to not having a large sum to invest. Today, we shall consider how we could go about property investing with a starting investment fund of £250,000 or significantly more. […]
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I often come across people that ask a question that goes something like this: I have £x,000 to invest in property, what should I do? Today, we shall consider how we could answer that question where x = £10,000 or less…it could even be zero! With no less than 6 different approaches covered, there is […]
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This is the second part of the ‘I have £xk to invest in property, what should I do’ question? Last time, we looked at where someone might have around £150k to invest. Today, we shall consider no less than 6 strategies of how we could answer that question where x is a much smaller sum […]
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I often come across people that ask a question that goes something like this: I have £x,000 to invest in property, what should I do? Today, we shall consider how we could answer that question where x = £150,000. In addition, we highlight the big points of leverage and diversification. With no less than 7 […]
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The word values in property has a specific meaning of course. However, in a wider context, the word ‘values’ has a deeper and perhaps even more significant meaning. Values are how the lens through which we see the world, a guide of how we want to conduct ourselves and a checklist on what we consider […]
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Today’s show comes in two halves. We have a slightly philosophical reflection as a result of a walk around one of the seven wonders of the natural world, under the light of a full moon. Believe it or not, it reminded me of some natural & universal laws and how we can utilise some of […]
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Can I expect to pull out all of my cash investment into an HMO conversion project by refinancing at a commercial valuation within a short period of time? We went myth busting last week, when we discussed the ability to recycle cash through property investing. Last time out we discussed buying a property and then […]
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Over the past week, I came across three separate people that were asking about recycling their cash investment in property deals. The big question: Is it possible or is it just a myth? Over the next couple of weeks, I shall hope to unpick the bare bones on the concept a little. This week […]
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The Property Voice Birthday Special: well-wishes, top property tips & a few presents too! Hear some birthday wishes, plus some top tips for the year ahead from some of our friends and contributors. Oh and the odd Birthday present awaits you as well! Join in the celebrations and gain more valuable knowledge and insights as you […]
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Fundamentally flawed: Why the optimum tax-free cash property investment strategy’s reality is the elephant in the room There is allegedly a beautiful little property investment strategy that allows us to receive a ‘tax-free income replacement’ for life from just a couple of investment properties. Spoiler alert: the problem is that it is fundamentally flawed! Join […]
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Budget 2016…no wonder the Slap George game has so many ‘hits’! Have you ever experienced the feeling of being singled out for negative treatment? If you can identify with that, then you may be thinking, what have I done to pee-off the Chancellor of the Exchequer? Whilst it could have been worse, it could also […]
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Property Valuations…if lenders are the Prime Minister, then Valuation Surveyors are the Chancellor holding a lot of power To use an analogy with Government, a valuer is like the Chancellor of the Exchequer and a lender is like the Prime Minister – they hold a lot of power. Have you ever had a surprising property […]
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New beginnings – Your Property Network (YPN) Magazine here I come! 2015 was a year of firsts or beginnings. 2016 I thought would be a year of progression, however, it seems to have some new beginnings of its own. I have an exciting announcement to share in today’s show, along with a request for your […]
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Are you a trend-spotter…what is catching your eye right now? Even if we do not seek to capitalise on emerging trends, we may need to defend against them just in case. Don’t be a Dodo and become extinct is the unsaid warning we can glean from looking out for trends in property investment. There are at least two emerging alternatives to BTL that are doing the rounds with many professional property people right now. They are serviced accommodation and property partnerships. One new and one apparently not-so new concept here, although the latter has re-emerged of late due to some environmental factors as you shall hear.
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I am still travelling and this week saw me visit Siem Reap in Cambodia. I had planned to give a brief update on a couple of my recent deals, which I will still do. However, my thoughts were more than stirred up by my visit to Cambodia and the story of our guide, who fought Pol Pot in an attempt to overthrow the wicked dictatorship. It wasn’t his fighting spirit that left its mark on me, rather it was his humility and most of all his sharing of what Karma means to him and many of his fellow countrymen. Join me then in a two-sided reflection of the tangible and intangible actions that we take…or cause and effect if you prefer.
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The Property Voice Podcast – Soundbite Episode: The Alice in Wonderland Tax Grab…and what we can do about it. As I am on my travels at the moment, I still wanted to give you your weekly dose of the Property Voice Podcast. I am broadcasting today’s show from Hanoi, Vietnam and this gives me the opportunity […]
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We conclude our review of the Investment Property Lifecycle today by taking a look at the final stage…our exit. As Steven Covey says, we should ‘begin with the end in mind’ and so having a clear picture of our exit before we venture forward to even acquire an investment property is essential. We will share another acronym in our main discussion today…to help us to stay on TRACK when it comes to our exit plans. In addition, we have Your Voice, with another great 5-star review, which ends in the phrase ‘Thank you Richard for kicking my backside’, which should at least intrigue you as to why; along with a couple of great resources aimed at making operating globally easier in the Shout Out.
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Today we take a look at the subject of undertaking works from my own point of view as more of a hands-off, remote investor. There will still be some common themes, but equally a few differences to our show last time, so make sure you review both of these episodes to get a rounded perspective on undertaking works in property. We will define the different types of works projects, explore some common principles, share some of my ‘golden rules’ and discuss how to go about undertaking works from a distance. Plus, we have no less than FOUR great resources in today’s Shout Out related to undertaking works in property.
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The Property Voice Podcast – Series 2: Property Cycles – The Investment Property Lifecycle – Undertaking Works I am joined on the show today by my good friend Damien Fogg from buytoletstrategy.com. Damien is an experienced investor himself, as well as being a chartered building surveyor and so knows a thing or two about undertaking works in […]
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We continue to look at investment property financing, as we consider the 4 main types of financing more fully: cash, institutional finance, alternative finance & creative finance. To help us along we have three key principles: be aligned, be methodical & be prepared. Walk through each of the 5P’s to stay focussed, which are people, process, pound, property & performance. Finally, don’t forget that each property project and it’s associated financing is a part of the overall business case that we need to evaluate. And, if that is not enough value for you…listen to the Shout Out to potentially save thousands of pounds on your next mortgage renewal.
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I am joined on the show today by Simon Allen from Searchlight Finance. Simon is an experienced investor himself, as well as being a finance broker specialising in investment property. So, it is fitting that he joins me today as we look at the Finance phase of the Investment Property Lifecycle then. We shall explore financing property and with Simon’s help will also gain insights, tips and warnings of what to do and not to do when looking at investment property financing. Join us as we chat through the merits and pitfalls of using a finance broker and how to avoid being blacklisted by a lender.
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In today’s show, we take a closer look at property investment acquisition. We can buy property in the conventional way, however, we can also acquire investment property in other ways as well. We walk through various ways of acquiring investment property such as agents, property portals & aggregators, administrators, direct to vendor and deal sourcers. We also look at some less common ways of accessing investment property such as lease options, vendor finance, instalment contracts and joint ventures. Join me then, as we explore these various methods of acquiring property, sometimes with none of our own funds. Then, we have a special bonus for January…so tune in, enjoy and be richly rewarded too!
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I interrupt the current series briefly to share an update on how my Book Reading Challenge turned out for the year. Listen in as I share some of the highlights among the 44 books that I read or listened to during 2015. I select my top 3, a few other notable mentions and some listener suggestions as well. Then, I will give you back some time so that you can focus on planning your goals for 2016, including a copy of The Property Investor Roadmap Infographic to all listeners to the show as my gift to you.
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I am joined on the show today by Mark Lloyd from Lloyd Reeves & Property Mastery Academy. Mark is an investor, entrepreneur and educator in property, who also supports people in property acquisition. So, it is fitting that he joins me today as we look at the Acquire phase of the Investment Property Lifecycle then. We shall explore acquiring property and with Mark’s help will also learn that property deal sourcers need to meet a number of strict registration requirements in order to operate as a deal sourcer…one of the methods of acquiring property as an investor. Join us as we chat through the merits and pitfalls of using a sourcer as property investors then.
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We are gradually progressing through the different types of cycle in property investment. We started at the macro level by looking at the overall property cycle. Next, we looked at the ‘midi level’ with an insight into our personal property portfolio development cycle. Finally, we turn our attention to the micro level view of an individual investment property lifecycle. In simple terms the steps in this cycle are: acquire, finance, works & exit via a sale or let. Today, we take a look into the overall picture before drilling down a little further over the coming episodes. We also have our regular features of Your Voice & the Shout Out, so plenty to get your teeth into then...
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“What may be right today, may not be right tomorrow” is how today’s guest, Tony Gimple, describes how things can change, as we evolve and develop our property portfolios. The only constant is change and so we need to adapt to these changes, being flexible and agile as we do. Equally, we need a plan and to understand where we want to end up eventually. So, how do we pull this apparently moving target and shifting landscape together then? Well, we shall discuss how and why things change and what we can do about it as they do. Tony, also offers us some advice on how best to structure our affairs as we do.
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We continue to look at property cycles and in particular our own portfolio development cycle with part 2 of our ‘4Es Model of Property Portfolio Development. Last week we looked at the Enter & Expand stages and this week we consider the Establish & Exit phases. Then, out of the blue this week, the Chancellor released another bombshell aimed at the buy-to-let market in his autumn statement – what does it all mean and what can we do about it we ask? We pause for reflection on this prompted by a listener question in Your Voice to weigh up the implications of this.
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The Property Voice Podcast – Series 2: Portfolio Development Property Cycles: Portfolio Development The whole idea of this series is to consider the different types of cycle within property. We introduced the idea of a portfolio cycle, or a portfolio development cycle last time. We saw that there is a natural cycle, as we progress through […]
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So far in this series, our focus has been on the macro level of the overall property cycle. Today, we start to move a little closer to home as we start to consider how our own property journey, or property portfolio cycle, unfold and changes over time. I am joined on today’s show by David Clouter, who started investing in 1982…he has seem a few property cycles and several property strategies over these decades in the business. So, who better to listen to and observe in the context of developing our property portfolios I wonder?
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Booms and busts are part of our economic cycles as we have seen and this inevitably means we will at some point face a recession during a complete cycle. During recessions, a lot of business and property investors can come a cropper and even face bankruptcy. This is where my guest today, Ed Atkinson, comes in. He wrote a paper and developed a simulation tool that not only guides us through how to survive a recession, but also allows us to model and play out a number of scenarios in respect of our personal portfolios…before we really have to do it for real. Join Ed and me as we unpick the main warning signs and top tips in how best to beat a recession.
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How can you predict a housing boom or bust? Well, how’s about we share the 6 key areas that help us to determine the direction and speed of travel of house prices? Knowing what to look for will help us to make better decisions in our property businesses. Find out who called the last crash correctly and what you can look for to avoid the next one in this week’s show.
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Property cycles are like clockwork according to some! Here we invite Akhil Patel, our subject matter expert, to share with us his own research and that of others before him that makes a very compelling argument for a clear and definite pattern in the property market. Not only this, but we sow the seeds of what the heck to do about it once we know about it. Back into our series rhythm now, so we also have Your Voice & the Shout Out back in full swing once again.
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We are surrounded by cycles of various types in our everyday lives and that extends to property. Join me as I unfold and unpeel three of the key cycles we need to be aware of, if we are to be successful property investors. The property cycle, the property investment lifecycle and the property portfolio cycle are what we will be covering over the course of this series. In addition, as we settle back into our series format once again, we have Your Voice and the Shout Out to look forward to as well. But what of Casa…if there any love left for her I wonder?
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Musings: Another three months in my busy life and world, so time for an update in the Diary of a Property Investor then! Agent issues, self-managing…well almost, new training programmes, joint ventures, two podcast guest appearances, an international property event and even time among that little lot for an advanced property deal to sink my teeth into as well. Why not pop by for a coffee and hear what I have been up to lately?
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Musings: Growth and change means giving up some things and getting some new things instead. Sometimes, it is hard to let go of some things though. This could be things or even people. Fear may hold us back, but so too could being held back by other people, or we could be too preoccupied by the dramas that others bring into our lives. We therefore need to learn how to let go of some things and indeed people, some of which could be very close to us. Join me as I share from my personal experience how I have learned to let go of many things and even people in my life, along with the less obvious upside of doing so.
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Musings: Life has its sweet and sour moments and so too does property investing. Hear of my sour experience in trying to make myself heard by NPower, one of the country’s largest energy suppliers, before something a little sweeter, with a superb listener contribution from Mat. What can learn as a result of these sweet and sour moments? Probably, that without the sour, we cannot appreciate the sweet I guess…listen in for a little ‘Schadenfreude’, which is not something you will hear every day is it?
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Musings: The only constant is change. Everything changes, nothing remains without change, as the sayings go. However, how much change can we cope with, or should we seek? Should it be ‘evolutionary’ or ‘revolutionary’? What is the right balance between stability and change in our property investing journey? These questions are considered in the context of some real changes in my own thoughts and property investment experiences of late…listen in and find out what and why…
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Musings: Attending events outside of your specialised area at times can be a great way to get a different perspective to the normal fare. This weekend I attended a business event called Fast Forward Your Business and I share some of the ‘aha moments’ and ‘distinctions’ that came to me during the event. Want to know what I will now be doubling or quitting going forward…then have a quick listen here?
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Musings: Today's show is prompted by two listener contributions. Pete asks: how do you value a property before and after works and how do you estimate and price up the works as well? Helen shares some of her top tips with us to help us stay on the straight and narrow. The give is me providing an answer to Pete's question along with my '40% golden rule' and the 'cost-plus' or 'required profit' refurbs assessment methods. The get is some top tips shared by Helen, an experienced property investor, and show listener.
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Musings: If you are wondering how giving relates to property investing, then please tune in and have a listen…there may be more to this idea of giving than you might at first imagine. How universal laws can play a part in our success or how giving benefits both the giver and the receiver are shared. Plus we get to hear how Carl, a listener, has taken inspiration to pledge a significant sum towards a charity close to his heart. Finally, hear how a truly inspirational school in the Amazon rainforest has motivated me to do something I have never done before!
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Musings: Joint ventures are a hot topic in property. They can help us to accelerate the growth of our property business and that’s why they can be so appealing. Here we discuss what they are, why they are beneficial, some of the drawbacks and how we can protect ourselves in the arrangement. Listen in to hear more about the attributes of a good joint venture partnership, how to undertake due diligence and the documentation to protect ourselves.
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Musings: I don’t feel like it, I can’t do it, not bothered, one day when…Do these sort of statements sound familiar? These and the rest of my ‘dirty dozen barriers to success’ are flipped around into my ‘12 springboards to success’ instead. For new habits, get more accountability, celebrate and reward success and plug your gaps are just some of the tool, techniques and tips that we can use to turn potentially sabotaging thoughts, feeling and actions into sure-fire come rain or shine actions instead.
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Musings: Here are some of the general principles of property investing in what I am calling the 15 things every property investor should know…including: it’s not an investment, join the dots, our happy ever after and if I had my time again. This is my list of things every property investor should know; what’s on your list?
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Musings: Mega-trends are big changes that will affect us over the next 10-50 years. However, many of these mega trends will start to have an impact on our property investment decisions today. Check out this week’s episode to discover what these 8 mega-trends are and figure out what might be the equivalent of the decline of the mining industry or the rise of higher education before they happen. We can get ahead of the game if we know what’s coming…
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Musings: How much is our time worth? How can be value our time and decide when to DIY and when to delegate or outsource instead? These are the questions posed in today’s episode, where we consider concepts such as our required hourly rate, opportunity cost and return on time invested among other things. The big question is: do you know how or do you know why? All will be revealed…
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Musings: As a property investor with buy-to-let property, there was probably only one thing on your mind over the past week or so…the Budget! In the Emergency Budget, one or two bombshells were dropped onto us property investors. What were they, what are the implications, what can we do about them and is it as simple as we may think to fix? These questions are addressed this week, so higher rate taxpayer or not, this is for you!
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Musings: The Property Voice Musings are one-off episodes designed for an opportunity for us to share what is on our mind at the moment. Today we will be talking the darker side of property investing…and therefore about human nature in reality. In the fight of good versus evil, how can you make sure the bad guys don’t win? Listen to find out…
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Musings: The Property Voice Musings are one-off episodes designed for an opportunity for us to share what is on our mind at the moment. Today we will be talking about using your home as a very tax-efficient property investment asset. This is controversial, as some people suggest that your home is actually a liability and not an asset at all. Add in a bit of spice with some tax benefits and we might just start to see our home not only as our castle, but also as our goldmine!
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Bonus Episode: In between series seems like a fitting point to pause to share some of what I have been up to. It’s not only about deals, there is a lot going on in the world of this property investor, so have a listen and find out. From HMOs in Birmingham, to absconding Cornish tenants and finally international investors from at least 4 different continents…not bad for a couple of months in the world of a property investor is it?
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Series 1: Episode 12. Last in this first series, but by no means least. We recap the main aspects from the series before sharing the ‘one-page property business plan’, otherwise known as the ‘30-minute business plan’, it really is that super-fast! We have some pointers of how to stay educated and on track too. For those that have shown their loyalty to the show, we have a podcast listener bonus offer of a free ‘mini-strategy review’; this is worth £200, so a nice thank you for listening we hope you agree. Finally, we reveal what is coming up in the second series, so tune in and find out.
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Series 1: Episode 11. Last time, we considered the 4 essential components in what I call ‘The Investor Mindset Puzzle’. This got us thinking…why not share a little more about one of the aspects that really can make the micro turn into the quantum? So, this week we share some of Richard’s personal routine as an object lesson in how some small, regular practices and disciplines can add up to become a snowball, compound effect or slight edge. As an added bonus, we include the full music bed to the show, which as Richard reveals can be used in a small way to underpin one of the techniques he uses to make it a multi-sensory mind hack. A different episode this time…but different can be good too!
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Series 1: Episode 10. What is a property investor mindset and do we have it? Today’s show takes a look at some of the principles of a successful property investor and portrays these in the Property Investor Mindset Puzzle. Time to evaluate where your personal strengths and weaknesses are and which gaps need to be plugged. Yes, it is a big fluffy at times but many would argue that without the right mindset that we cannot realise our ambitions to become a successful property investor too.
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Series 1: Episode 9. Show me the money! Investing in property requires some money make no mistake about that. However, who said that money has to be your own money? Join us in this week’s episode where we rattle through at least 8 different sources of funding for our investments…and only one of these is using our own money. We take you through the options and then deep dive into some of the most common ones to set you on your way.
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Series 1: Episode 8. In addition to property, two other main areas we need to get strong in as a property investor are people and finance. We spent the last few weeks looking at some of the people aspects such as tenants, agents and previously tradespeople, professional advisors and so on. We have also looked at some aspects of finance already with property as an investment and our key performance indicators and criteria. Today, we consider the importance of good accounting and record-keeping systems. We shall attempt to do this in as illustrative and engaging way as possible, so fear not and have a listen!
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Series 1: Episode 7. The area of lettings and management is one of the biggest that we as landlord investors will encounter in our investment property lifecycle. Following on from last week, Richard shares some of his stories, both good and bad with regard to agents and tenants. We also have a chat with Tim Leffler, who is our letting agent subject matter expert this week just to balance things up a little too.
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Series 1: Episode 6. As we progress through this first series we are getting closer to some of the nitty gritty of property investing and today is right at the heart of that. We cover lettings and management, which is not without its controversy in the debate between self-managing and using an agent but also in the sometimes different views and interests of landlord, agents & tenants. We share best practices, common areas of conflict and the costliest mistakes of letting a property in this week’s episode to help cover your backs.
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Series 1: Episode 5. Since we started this series we have looked up towards our purpose and goals and then closer to us in terms of setting our criteria and researching in our property investing. Today we are going to look out wide a bit more by considering: Who you know, what you know & where to go to find them! Today is all about expanding our property investing knowledge and how to get it.
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Series 1: Episode 4. If the last couple of weeks have been cruising at high altitude, this week we get closer to ground level; as we look at how to determine what makes a good property deal for us. Having some pre-determined criteria to evaluate an investment opportunity and some measures of what that looks like financially is what this week’s show will address. So, seat belt signs are on – we are coming into land!
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