The Bricks & Mortar Podcast: Recent Episodes
Jonathan Williams
We are back after a summer break and talk about all things in the office. Big changes and a lot of news. Talking of news, Aldermore have some positive news re BTL mortgages that will interest our landlord friends. We also have a chat about what is happening down at Machrihanish.
EPISODE 106 - WHO'S RATTLED MY CAGE? - LEEDS BUILDING SOCIETY - BMM UPDATE by Jonathan Williams
EPISODE 105 - INCREASING RENT PROCESS - SUBLETTING - CONCESSIONARY PURCHASE by Jonathan Williams
EPISODE 104 - WHO'S GOT MY GOAT - CRITERIA UPDATE - BUSINESS OPPORTUNITIES by Jonathan Williams
EPISODE 101 - COUNCIL TAX EXEMPTIONS - NEGOTIATING - VALUATION APPEALS by Jonathan Williams
EPISODE 100 - UPDATE ON THE BUSINESS - MAKE AN OFFER! - BTL LOCAL AUTHORITY PROPERTY by Jonathan Williams
This week we delve into the solicitors who act for the banks in BTL transactions and whether you should use them or stick with your solicitor. We unwrap where we are heading in terms of mortgage rates and round off the episode with a book review of "Traction" by Gino Wickman
EPISODE 98 - SHARKS IN THE WATER - ADS - JOINT BORROWER SOLE PROPRIETOR by Jonathan Williams
We take through the numbers on the SNP meltdown, update you on my woes withe letting agents and give you some thoughts on porting your mortgage
Talking all things property in a weekly podcast tracking the trials and tribulations of a mortgage broker, solicitor, and landlord as he tries to fathom the Scottish property market
LEJOG - EPISODE 14 - BONAR BRIDGE To THURSO To JOHN O'GROATS - 215KM - #GidLeJog by Jonathan Williams
LEJOG - EPISODE 13 - KINGUSSIE To BONAR BRIDGE - 148KM - #GidLeJog by Jonathan Williams
EPISODE 94 - STRESS TESTS - PARAGON BANK - LANDS END TO JOHN O'GROATS by Jonathan Williams
EPISODE 93 - CLADDING - MY WALLET - JOINT BORROWER/SOLE PROPRIETOR by Jonathan Williams
EPISODE 92 - SNP LEADERSHIP - GUARANTOR MORTGAGES - GARDNER STREET by Jonathan Williams
EPISODE 91 - WEE NIPPY - LEEDS BUILDING SOCIETY - AUCTIONHOUSE SCOTLAND by Jonathan Williams
EPISODE 85 - DUCKS - BUS DRIVERS - COUNCIL HOUSES - "WHAT IF WE SAY?" by Jonathan Williams
EPISODE 84 - MARKET UPDATE - PIG IN A POKE - INTEREST RATES - TMW SPOTLIGHT by Jonathan Williams
We talk to our latest guest "The Investor". We are going to track this newbie's adventures as he starts out on the property journey. He doesn't even own property yet!
Episode 76 - West End flat - Limited company BTL again! - Growing the business by Jonathan Williams
We are back with more on property, a little bit about business and we'll throw some self-improvement stuff in as we go along. I've missed it. Good to be back!
Welcome to Lisa Pitchers of Rettie Estate Agents. She runs the Glasgow City Centre branch and is geared up for the Monday as estate agents and letting agents come out of lockdown. We talk "The Bounce", logistics and the future of the world of estate agency. Great chat with Lisa. Make sure and sign up to get the downloads as soon as they are released on www.bricksanmortarmortgages.co.uk
westendglasgow #glasgowwestendtoday #glasgowwestend
Right, this is a good one so I say myself. We did this over Zoom and Sam was very open about his journey to date. Oil rigs, a bit of farming, cold calling to get a job, finding a business partner, and all the trials and tribulations of growing a business. Get that coffee, sit back and listen to my chat with Sam Dyer.
We had a chat with Alex over Zoom due to lockdown. The video is on Instagram, Facebook, and YouTube under Bricks and Mortar Mortgages. We covered furloughing, Covi 19, mentors, mistakes, assets, and of course his journey to where he is at the moment. Grab a coffee, sit back, and enjoy my chat with Alex.
A second chat with our guests is always a more relaxed affair. They know what we are about and we can delve a little bit deeper on how things are going. Here I talk with Chris Wood about how things are going at Portolio and he turns the tables on me to ask how things are going at Bricks and Mortar. Always great to chat with Chris and I'm sure you'll find this one a good one.
It is the new must have! An AirBnB or a serviced accomodation property is the must have accessory for your landlord. Better income, less legislation but are you playing by the lending rules. Only a couple of lenders are prepared to dip their toe in this market and this week we talk to one of them. Nigel Hammonds of Scottish Building Society talks Holiday lets and AirBnB and why they have gone into this market.
We talk with a renewables guy this week. It's all heat pumps and ground source things but if you're a landlord this is the kind of thing that you'll need knowledge of as the EPC regs come into force. Have you been stocking up on your tomatoes and pasta ahead of Brexit! Grab a coffee from the kitchen and join me and Emanuel as we have a chat about renewables. Make sure and get down to the shops after the episode as there's not much pasta left!!!!!!!
Starting your own business is hard enough but when you are starting your own legal firm there are a few added complications to throw in - regulation through The Law Society, lenders panels, client accounts and let's not forget the client mandate and the inevitable fall out that brings. But they have done it! Delaney Graham have been up and running since August and have a great story to tell. Grab a coffee and listen into my conversation with Sian Delany and Michael Graham of Delaney Graham.
Sounds like something out of the Wild West doesn't it. Watch out her come the Callaghan Brothers! They are great guys with a great story. Selling Domino Lets to a multiple and then doing what they have always wanted to. A super story and one worth listening to so grab a coffee and I'll let you enjoy. One last thing a prize for anyone who correctly identifies how many times I use the word fantastic in the outro!
And we are back with The Bricks and Mortar Podcast. After over a year on the sidelines as I get Bricks and Mortar Mortgages up and running, the time is right to bring the show back. And who better but the social media firestorm that is Nick Ponty. We talk AirBnB, PRT, Right to Buy and have a catch up with Nick and Arc Property.
When I record the interviews, I have never met a great proportion of guests. This can seem daunting as we have to deal with "the awkward getting to know you thing" whilst the recorder is on. It can also have an impact on what the guests are prepared to let you see given the fact that the paint is still wet on rapport that you are still trying to cement. I am glad to say that John and I hit it off straight away and I admire his candid approach to the interview. He certainly looks like this is way that he runs all aspects of his business. It certanly mad for an interesting chat.........
We are back with a bang with a cracking interview. Kenny Martin is an architect draws pictures for a living but he's fed up. We talk professional depression (a phrase I had never heard before) and his entrepreneurial journey to becoming a new build property developer. Fed up acting for clients who would drive away in Land Rovers whilst he worked all hours, he decided that he would cut himself abit of that action. An interesting tale and one that I am sure you will enjoy..............
Me bad! I have been rammed at work over the last number of weeks trying to get the FCA to issue me with my authorisation. The good news is that I now have this and the business of Bricks and Mortar Mortgages is about to launch. I cannot tell you how pleased I am that I have got this to a position where I can now dictate my future. Chris Wood did something similar and through a couple of business, iterations has launched Portolio. I think this has some legs and will be a great addition to help landlords find buyers and investors find property. Listen in and see if Chris can help you!
It looks as if the broadband is back working after a month of dodgy download speeds. That means I can get shows out on a more regular basis. How's this one for starters - my talk on landlord mortgages at last month's Progressive Property Network March meet up. PPN asked me to do address issues in relation to mortgages and those that find themsleves under the new portfolio rules. This may affect you if you are wanting to enter the world of BTL and for those of you who are in that space how about a little refresher?
The Internet is giving me issues at the moment. No way that I can download the show at home. BT promised download speed of 50mg is currently 5mg! Apologies for the delay. Worth the wait, I think you will agree once you have heard my chat with Jane Buchan. It is possible to jack in the job and go full time in property and Jan and her husband are living proof of this. It's not for the faint hearted though. Enjopy this week's episode of The Bricks and Mortar Podcast
And we are back! Being pulled in all directions with work, athletics, FCA, hockey so glad to be back with another episode. We have been interviewed by the cops! At least a former PC who has given up dispensing law and order to the great and good of Midlothian and now tries to keep his landlords on the straight and narrow instead. This week we talk with Andrew Hosie who is bringing "Rent Locally" over to the west. Already holding a West Lothian franchise for the company he has decided to pick up sticks and move to a new territory and try and establish Glasgow. We talk property, business, coaching and swimming in this one so grab your skinny latte and press start. Enjoy my conversation with Andrew Hosie......................................
Growing your business is all about increasing your network. Getting more people to understand your business so that they can help in a meaningful way when the appropriate time comes. It's not a quick fix and requires bloody hard work. But do you have a strategy or do you just pitch up at this event and hope for the best? This week I give you some tips on an elevator pitch and how to make that first impression a memorable one.
"If I have seen further it is by standing on the shoulders of Giants." is attributed to Isaac Newton and is a phrase beloved of the mentor and, it has to be said with some justification. No one succeeds alone. Do you think Facebook would have been a success without My Space? Why not stand on the shoulders of giants and learn from their mistakes. And it is all free. Why? Well if you have had the benefit of mentoring then you will want to pay it forward and help the future you. I chat through what mentoring entails in this week's podcast with Carole Anne Morris.
"If it is not written down then it does not exist" - cannot remember which guru came up with this one. It's all about getting your goals down on paper. It's something that I have to admit was lacking throughout my legal career. You just worked hard and by luck rather than judgment you find yourself climbing the greasy pole. Maybe I should have written them down so that I could see where I was going right and wrong. Two years ago I had an epiphany and switched careers and at that stage, it was time to start writing down the goals. But it's not just writing the goals down, it's about the review. No point in having goals if you don't take the time every week to review where you are going. This week I talk through my goals.
And that was 2017..... We end with a great interview with a chap by the name of Philip Howard. I met Philip around two years ago as a fresh-faced youth giving a talk at an ALG event that I attended - he must have looked 12 at the time! I was so taken with his ability that I was surprised when he suddenly disappeared from the ALG firmament. Given the fact that he was introduced as the next big thing I had always wondered what had happened to him. Now both you and I can find out in the last show of 2017 or the first of 2018. Grab a mug, throw over the duvet and dive into the mellifluous tones of Mr Howard - it's back to work tomorrow!!!!!!!!!!
Before we broke for Xmas, I received a number of enquiries in relation the mortgages for limited companies. Since the tax changes were announced there has been a steady stream of these but recently they have ramped up. If you are close to the tax threshold between basic and higher rate then you need to listen to this week's episode. We explore the implications, how close you may be to becoming a higher rate taxpayer and 10 things that you really need to be aware of before dipping your toe. And please can you speak to your accountant!!!!!
Why would you give up a well-paid job with a multi-national company for a life in property? For many with an interest in property, this is just a pipe dream but Ian and his wife decided to take the plunge roll the dice and give it a go. It's been harder than he thought. Marketing has been a challenge. There has been a change in strategy. But after all said and done he would not change it for the world. Are you ready to take the jump? Listen in to my conversation with ian McQueen who give us his tale so far.
Serviced Accommodation was what everyone started talking about this year. The golden egg that would lead to better profits and less tax. What's not to like! You do however need to have a service mindset not so much beloved of your average landlord. No more waiting to get the heating or the shower fixed. Leaving it a day is not going to go down well with your tenant!. Sandra Martin speaks to me about her entry into Serviced Accommodation, gives advice on getting started as well as the pitfalls. If you want a seat on the Serviced Accommodation train before it leaves the station then grab a ticket and listen in to my chat with Sandra Martin.
It's been a little while since we chatted so apologies for that. This week we speak with Chris Cockburn who gave up the Horn to follow a passion for property that led to a BDN role at Let - It. He tells us about his role in the organisation and where he thinks the lettings are going in the coming year. A fascinating insight into how to run a lettings busness. Grab a Costa and take a pew.
Movement, meditation and motivation are things that we either know we should do, are trying to do or want to do more of. It's just finding the time to fit it all in that is the difficult part! This week, I talk to Edvis, a personal trainer who tells us his story and quest to try and get us moving , motivated and stress free. A bit of a departure from the usual property stuff but I am sure that you will enjoy this one as we doff our cap and raise our bat to mark the half century. Grab your skinny latte and sit in for an hour of conversation with Edvis - he has NOT left the building!
This ladies and gentlemen is the second take of the Rober Nixon Interview. The first one was deleted in my rush to clear space on the recorder for more interviews. I think the second interview is better than the first - but I would say that wouldn't I. Robert is the Director of Lettings at Speirs Gumley and has a wealth of knowledge on the tenancy changes that are about the affect all landlords - so this one is worth a listen.
Big changes once again in the BTL space as the authorities wield the big stick against those landlords with 4 or more properties. The rules of the game just changed and if you have 4 or more properties a listen to the keynote speech that I gave at The Property Leverage Group would be as good a start as any. Grab that coffee, settle in for an hour of property chat.
Nick Ponty started off as a photographer hawking £10 prints to local footballers. His star has risen somewhat from those early days and following a stint as staff photographer covering the Olypmics and Commonwealth Games, he stumbled into property. Initially, under tutelage from his old dear he started buying and selling property. He has just opened a letting agent with a twist. One of the services that he offers is advice on refurbing property. With a team of trusted tradesmen personally handpicked by him, he has taken all the worry and stress out of the project management of a refurb. Follow his story in this week's episode of The Bricks and Mortar Podcast.
Speaking this week with Johhny Riley of Retties - a rags to riches story - well at least a Rag Trade to Riches story. We chat over his start with SLOGGS, his time in Bearsden and finish off with his take on Purple Bricks. We touch on Gazumping - yes it is happening in this over heated market and I give you my second tip on taking risk in the Ed Slot. Grab the choccy biscuits, pull up a seat and dive into this week's conversation on The Bricks and Mortar Podcast.
Finding a mechanic that you trust to fix your motor is a task that for many of us does not have a good ending. Prior to finding Finlay, I have been flitting from one grease monkey to another wondering if they have done more to damage my car than fix it - a thought never far from my paranoid mind. Let's meet Finlay McLean, a magician with the blow torch and penchant for property. He tells us this week how he got into property
He started off with £500 after the bank refused to give him a credit line and look where he is now! Tales of tenacity, persistence and an eye for details underline Craig McColl's rise from selling watches to looking after your property portfolio. Listen to the second part of my interview with the owner of Core Property Management in this week's episode of The Bricks and Mortar Podcast - we even find out about Craig's first girlfriend!
Some radio silence whilst I was on holiday but we are back with a great interview with Craig McColl who runs Core Property Management. We went on a bit so I have cut this into two shows. In this interview, we take you through his start at Mappin & Webb on to Arnold Clark and then his break into the property game. Some great stuff in there!
Just listened to the show again and there is some great stuff in there this week. We talk to Mark Shanta about his start in property from accountancy degree, professional poker, flipping property and finally setting up Shanta Letting. What a great story and holds true to President Calvin Coolidge's great quote "Nothing in the world can take the place of persistence". What an inspiration to all of you out there who are thinking of setting up a business. Well done Mark!
Having been a solicitor for more than 20 years you come across instances where you get gazumped. There are no words to express how that feels - and if I am only the professional trying to get the property bought. Goodness knows how the poor client must feel thinking that they have the property only for it to slip from their grasp. This week I share a gazumping story, tell you about success at a closing date where we were the last of four in the mix and why a mortgage broker may be no bad shout if you need to get finance. Listen in to this week's podcast ......................................
There are some rules that you need to be aware of when bidding or negotiating on property. One of the most importatnt is not to get too carried away if the property that you are purchasing is not a one off. If you are looking for a flat, the bottom line is that there will be a sinilar one along in thenext coule of weeks. Keep your powder dry and don't get drawn into a bidding war. There is only one winner and it ain't you! Listen this week as I give you real life exapmples of negotiations that we have been undertaking
If you are a buyer then you will hate closing dates. Why can't you just have some certainty? It is a minefield trying to come up with an offer that will be competitive without going over the top. There is nothing worse than finding out that you have been successful at a closing date by thousands of pounds. I'll give you some tips this week on how to get that offer right. Enjoy the journey!
I have yet to meet a buyer who likes a closing date. It is what the sellers and their estate agents aspire to. Get them in a blind bid situation and sit back as the buyers try and second guess what the other will offer. Watch the offers roll in and scoop the pool. Closing Dates are on the increase and you as a buyer need to understand how they work and what you can do to give you the best chance at the Property Lottery. Have a listen to this week's podcast where I shed some light on the dark art!
Back with a solo show and I take you on my search for an estate agent to market my property at Machrihanish. Always good to be a client gain. Gives you an eye opener in to what clients are really looking for when they are instructing professionals for a service. Makes you think twice about what you do!
This week we explore what you need top know when you are going to be applying for a mortgage over a rented property. A number of changes have affected your ability to get fonance and we explore what thwese are as well as give you an idea what is being planned gpoing forward.
Ross MacLeod has been in the letting game for years. Starting with Gilpro Letting and moving on to the beast that became Merchant Lettings, he now finds himself under his own brand. Passionate and outspoken we have a great chat about all things property.
We finish of last week's interview with The President of the FBI - Bobby McKean. We talk about learning to drive in a minibus and the power of The Sound of Music amongst other things. We also talk about the power of self-belief when we introduce a first-time investor. Lots to listen to so lets get started.
I sat down with Bobby McKean who runs Flowers by Isabel to talk about gratitude last week. The interview went on for over an hour so I have given you the first half with the second part to follow next week. As you get older and things become clearer then for me at least gratitude has become one of the drivers for all that I do. I think gratitude is a better way forward as I hit my mid-life crisis than buyingby a silly car.
Lots of income but pay little tax. The nirvana for the sole trader. Lots of cash floating about and a good accountant are what it is all about. So why can't I get a mortgage? Banks like figures and whilst you have oodles of dosh coming in on a monthly basis the bank is only interested in your tax return. You can't have it both ways. Let me explain............. We update you on the sale of Rothmar West and ask for some speaking gigs. Enjoy Episode 32 of The Bricks and Mortar Podcast.
A rant to start the episode and then we are into discussing the issues that face the second time buyer. What do you need to think about when you have to buy and sell on the same day is the bulk of the show. I tell you a bit more about a project that I am embarking upon and introduce you to The Mentee podcast.
Have you been kicked out of the family home and at the tender age of 35 told to go and get your own place? Maybe your back from uni and cannot bear the thought of House Rules applying. You may have decided that it is time to move in together. As a first time buyer you need some advice on the mortgage process. Listen in as I take you through what you need to know.
Third step in the process of securing your mortgage is the Application. There is a many a slip between cup and lip and when you have to deal with those underwriters you will know what I mean. Having got the Decision in Principle it isn't always shooty in with the Application. This week I tell you what you need to look out for and the common pitfalls that can trap the unwary.
Ever wondered if estate agents just wing it when they are pitching for work? In this week's episode, Chris Breckenridge of Savills tells us a little bit about the science behind pitching. Fascinating stuff! We ask Chris about how he got into the world of selling houses, mentors, the current market in the West End and of course the 10 quick fire questions at the end. Enjoy!
Second in the series on mortgages explores the initial steps of the mortgage process - The Decision in Principle. All about the income and expenditure and having the ducks lined up before we approach the lender. We also take you through The Good, The Bad and The Ugly of Negotiating. Do you want to buy a snow globe?
This is the first in a series of episodes where I am going to tell you how to get a mortgage. It is getting trickier but the doom mongers out there are not correct. Whilst it is trickier, as long as you have a good credit history and live within your means then a mortgage is well within your grasp. You just need to know what the lender is going to ask and that is what today's show is all about. Pull up a seat and let's get started.........
Lived high on the hog? Spent all your money on raising the kids and paying off the mortgage? It's time for you now! How an earth are you going to afford your retirement? With a subsistence state pension and poor annuity rates you may need to look at other avenues to fund your dotage. You remember back in the day something about Equity Release but aren't keen on those men in the shiny suits and white socks. The landscape has changed however with regulation and a requirement to have qualifications to sell such products. It may be time to have another look at Equity Release.
There cannot be too many industries at the moment that are taking as big a kicking as the Buy to Let investor. The glory years of a decade or so ago - pre Northern Rock fiasco are but a distant memory. Nowadays the landscape is alot different with legislation, tax and lending restrictions meaning that in the next while there will be a correction in the market place. Make sure that you are ready for the changes. It may be time to cash in the chips or it may be the biggest opportunity yet. Where do you sit?
You must have watched Homes Under the Hammer? Always wonderful stories of those turning property and making oodles of money. What can go wrong? If only it was as easy as that. This week we give you three tips to make the whole process a little clearer.
Fed up missing out at closing dates? Want something out of the wrapper with little mantenance, then new build may be the answer for you. It's not all it's cracked up to be though! Snaggings, capital deprectiation and the completion of the road are just a few of the issues that can arise. Listen to this week's podcast which peeks behind the curtains and covers the legals, the process and the pitfalls.
What can you say about Davy Hutton? For a man who looks like a pirate and is known for his effective catchphrase "SOLD!" - there's alot more behind the daft hat! In this interview he reveals great insight into the current state of the property market tells us what scars him and tells me a little more about his journey thus far. There is something for everyone in this interview. Do enjoy!
So you have your keys, given the slab of beers to the removal company and finally you can shut the door and start to enjoy your property. Time for a bath! Hold on the water's cold. Oh heck the boiler is on the blink. What do I do now? Let me explain what you need to do if you find some defects in your property after you have bought it. Students, changeovers, manky fridges and hockey. It's all here this week.
Have you ever watched Homes Under The Hammer? If you have a TV and have taken a staycation then HUTM is inescapable - simple as that! But what, I hear you ask, is it like to buy and sell at auction? We take a peek behind the curtains this week and introduce you to John Loudon of Auction House Scotland who explains the dos and donts when at the auction. Please keep your hands firmly under your bum if you don't want to buy! I also tell you about my good deed for the day and we bring you all the usual good stuff.
At last, we have reached settlement and the uplift of the keys. You would have thought that this is surely the most straightforward of tasks. Alas no. There are tips and tricks for purchasers and sellers in this weeks podcast which will help ease the stress of settlement day. The girls go back to school and I play banjo in Lochgilpead! Enjoy.
This a good one. Great interview with Maurice Allan. He tells us his thoughts on Buy to Let but it his insight into the Edinburgh market that is the reason to listen. Oh and there is also an update on Discus Man and the King of the Pigeons. Do enjoy!
We have reached the conclusion of missives in the purchase journey. Not far to go now until we get the keys. We detail what conclusion of the contract means and the liabilities for the purchaser and seller if they do not follow throw on their obligations. We talk about the paranoia that afflicts a purchaser but don't forget about the sellers concerns. Finally, I tell you that you could save money remortgaging even if you are still in your fixed rate period. Listen to find out!
Back from holiday and we are all about the loan papers this week. I explain what these consist off, when you will get them and what your solicitor does with them. Once you have the loan papers you have the green light to conclude the contract. We explore a live negotiation from initial offer to closing date result and have a moral dilemma for you to ponder. Enjoy the show.
This week we have a chat with Daniel Cohen of Nicol Estate Agents. Daniel is just starting his property career and has some great insights into the current market as well as some tips and tricks on chosing an estate agent and selling your property.
Please remember to share the podcast on Facebook and social media. We want to spread the word of this and the blogs on the website as a free resource for those who are wanting to know more about the buying and selling process.
http://www.nicolestateagents.co.uk/
"Discus Man" is back and this time he's throwing the hammer! We also discuss the Rythm of 3, LBTT/Stamp Duty and throw in recommendations for an app, a book and a podcast. If you would like to come onto the show then just drop me an e mail. Enjoy Episode 13.
Holy Moly we voted out! What next? Markets jittery, the political landscape implodes but what about the housing market? We look at what your solicitor actually does and bust another myth. All in another episode of The Bricks and Mortar Podcast. Enjoy!
We get to grip with the implications on Brexit but the main part of the show is an indepth interview with Iain Williamson who owns and runs Ivy Property. We explore how he started, who mentored him, his new online offering and of course we could not let him go without getting some tips and tricks when selling your property. Grab a coffee and settle in for the interview
Offers over is just a marketing trick. I debunk the Offers Over myth this week and tell you that the titles have arrived. Over to the solicitor to wade through the documents. We'll tell you what he is looking for and what you need to be aware of. Anyone for discus? That's discus not discuss!
So your offer has been accepted. Your solicitor then starts banging on about the missives. Let me explain. We dive into competency and tell you all about mortgage products. Hope you enjoy Episode 9 of The Bricks and Mortar Podcast.
As the title suggests everything is negotiable. This week we take you through the tips and tricks that we use to negotiate the best deal for you when buying a property. Try and get onto a 121 negotiation and avoid a Closing Date are vital to get the best deal. We bust the myth of noting an interest, reveal why "Getting Things Done" can change your view on e mail and tell you about the property calendar.
You have found "The One" and now have to decide what to offer? Hints and tips this week on what you need to take into account when deciding on that all important figure. We also have a look at Mindset and give you 4 tips on challenging your mindset. Enjoy the show.
This week we get to the nitty gritty of the buying process and find your solicitor. Who should you instruct and what you need to look out for. We debunk the Fixed Price myth and tell you a bit about snake charmers. What's not to like in this week's episode of The Bricks and Mortar Podcast - taking a sideways look at property. Cue the intro..................
Ever suffered from procrastination? We explore a few tricks to move you forward but you need to be bold. This week we explore the myth of guzumping and how this can happen in Scotland. The bulk of the show is taken up with those awkward questions you need to ask the seller when viewing their property. Don't be shy now! We throw in a podcast too. Enjoy the fifth podcast.
Last week we told you how to get a mortgage and this week we step one rung on the ladder of finding you a property. It's a tough market out there so you need all the help you can get and where better to find it than the Bricks and Mortar Podcast. Tips and trick galore this week. We debunk the myth that Scotland is better than England and tell you about the website that estate agents love to hate. Set the cabin doors to manual and prepare to disembark.
This week we bust the myth surrounding the verbal offer and verbal acceptance. The main part of the show is devoted to finding you a mortgage and the hoops that you have to go through to get your hands on the mortgage. It's all about the planning. Cain doors to manual!
We are going to take you through the buying process and make sure that you understand the main features of buying property in Scotland.
In this show, I take a look at the Buy to Let market and look into the finding, the funding, the legals and the letting of this ever expanding part of the economy.