The Mashroom Show: Recent Episodes
Nikki Poulton
The Mashroom Show is all about educating landlords about the latest changes in the industry. We want to help landlords meet all the demands required of them, save money and be the best landlord they can be.
Do you have any idea what estate planning is? If you don't, you'll need to join this latest episode of The Mashroom Show to learn more because it's never too early to start planning!
We're joined by Jeff Smith, who will be taking you through everything you need to know to secure your business and investments against Inheritance Tax and keep everything up-to-date.
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When should landlords start to plan for the future?
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What happens if you don't have a plan in place?
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How might Inheritance Tax impact you?
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... and more!
We're also joined by Susan Whitley-Park, the head of Mashroom Mortgages, to walk you through everything you need to know. As always, we'll also be covering the latest news, so join us for your regular landlord update!
We've seen 14 consecutive increases in the Bank of England base rate, until it held steady at 5.25%, but what will happen next?! Some landlords are looking to lock in deals now before further potential increases, while others are holding back, waiting for a fall.
We're joined by Philip Leivesley, who has over 15 years of experience in the mortgage industry and shares predictions from various experts about what we can expect from interest rates and the impact on mortgages and remortgages over the next couple of years. Curious about what the pros are saying? Join us live to learn more and put your questions to the team in the live Q&A that follows.
- Should landlords remain optimistic?
- Will there be any significant drops in the future?
- When is the best time to find a new remortgage?
- What are the predictions for 2024-25?
- ... and more!
We're also joined by Susan Whitley-Park, the head of Mashroom Mortgages, to walk you through everything you need to know. As always, we'll also be covering the latest news, so join us for your regular landlord update!
The rental industry is in what feels like a constant state of flux at the moment, from ever-changing mortgage rates to the rising risk of rent arrears. So we've gathered the very best tips from our experts to deep dive into:
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Whether a limited company is the most tax efficient structure for you
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How to avoid rent arrears
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What to do if you do fall into rent arrears
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The most common insurance mistakes that will cost you thousands
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... and more!
We're joined by Richard Cunningham, Paul Shamplina, Emi Steadman and Chris Potts, to walk you through everything you need to know. As always, we'll also be covering the latest news, so join us for your regular landlord update!
We're hearing pretty regularly these days about the rising cost of mortgage repayments, as the Bank of England's base rate spirals ever higher. But what are the other elements that impact your buy-to-let mortgage and remortgage?
Join us to learn more about:
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The real impact of the base rate
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Swap rates
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Futures
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How to handle the current economic crisis
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... and more!
We're joined by Susan Whitley-Park, Head of Mashroom Mortgages, to walk you through everything you need to know. As always, we'll also be covering the latest news, so join us for your regular landlord update!
We’ve talked before on the show about the impact that Inheritance Tax can have on your legacy, but many landlords have invested in property in order to secure their retirement, by boosting their pension with rental income or a large lump sum if they choose to sell up instead. But how straightforward is this? Do you need to start getting your ducks in a row now?
Join us to learn more about:
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The current mortgage landscape
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How to release equity from your property
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What are the pros and cons when it comes to equity release
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How will this impact your Inheritance Tax liability
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... and more!
We're joined by Steve Humphries, Proposition Director at Mortgage Advice Bureau, to walk you through everything you need to know. As always, we'll also be covering the latest news, so join us for your regular landlord update!
Do you own a leasehold property? Many landlords do, but are you aware of the risks involved?
There are several things you need to consider when taking on a leasehold property:
- How long is the lease?
- How will it affect your ability to remortgage or sell in the future?
- How much will lease extensions cost you?
- How will it affect your insurances and ability to manage the common areas?
- Can you take over the lease?
We're joined by Property Litigation Solicitor Adrian McClinton to talk through these risks so you know exactly what you're doing. We're also talking to Mashroom Mortgages' Kirsty Primmer to dig into how leases can affect your mortgage and remortgage choices. As always, we'll also be covering the latest news, so join us for your regular landlord update!
This week we’ll be talking about everyone’s worst nightmare - your insurance not paying out when you need it to.
There are 5 big reasons why your Buildings Insurance could fail to pay out - and we are likely all guilty of the fourth error… As a landlord, your liability is even greater because this is your business and you could lose everything if your insurance isn’t right, so we've got an expert to break down the mistakes you are probably making right now - and how to fix them.
We're also joined by Mashroom's Emi Steadman to talk about what's really worrying landlords today and the best advice for them. As always, we'll also be covering the latest news, so join us for your regular landlord update!
What do you really get for your money when you work with agents and who is ultimately responsible when it comes to fines and legislation failure?
Did you know that as the landlord, even if you’re paying an agent 8-12% of your monthly rental income to an agent, you are still liable for ensuring all the correct legislation is in place, protecting the deposit and ensuring that the tenant has all the correct paperwork. If your agent fails to do so - the fine will be landing on YOUR doorstep.
So what do you really need to know about working with agents - and how could you save money when letting your property? We're joined by a lettings expert to clarify what your liability is, so you can make sure that everything is just as it should be.
We're also joined by Mashroom's Chris Potts to talk about insurance issues. As always, we'll also be covering the latest news, so join us for your regular landlord update!
Landlords, your risk is on the up! Higher rents might sound like great news, until you consider that there are also higher mortgage rates (we've just seen a rise to 5%!), higher bills, a higher cost-of-living... so can your tenants really afford those higher rents on top of everything else?
Suddenly, those higher rents don’t feel so guaranteed. So how do you handle rent arrears?
Paul Shamplina joins us to talk about:
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How to minimise your risk of rent arrears
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How to handle rent arrears when they first happen
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When to consider legal intervention
We're also joined by Mashroom's Emi Steadman and Chris Potts to talk about what's really worrying landlords today and the best advice for them. As always, we'll also be covering the latest news, so join us for your regular landlord update!
Section 21 IS going. But what does that mean for landlords? Are you going to lose all power to repossess your property? And the big question - will Section 8 really be enough to replace Section 21?
Paul Shamplina joins us to talk about:
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What the loss of Section 21 means in practical terms
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Whether you need to worry or act now before it's gone
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What we can expect post-the loss of Section 21
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Whether this is truly all bad news for landlords
We're also joined by Mashroom's Emi Steadman and Chris Potts to talk about what's really worrying landlords today and the best advice for them. As always, we'll also be covering the latest news, so join us for your regular landlord update!
It might not be something that you want to think about, but ensuring that your family and all you have worked for are supported after you're gone is something that you want to sort out sooner rather than later. Without the right cover, all you have built to support your family in the future could not only be lost, but could do significant harm to them financially.
Monica Bradley of the award-winning MB Associates joins us to talk about:
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The importance of life insurance to landlords in particular
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What could happen to your family without cover - could they afford the bills? What about affordability testing to take on your mortgages?
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How life insurance impacts your tax return
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The best insurance add ons - including those that you support you should you fall ill
We'll also be joined by Rob Foyle to discuss the importance of will-writing and how to go about doing this. Our own mortgage and protection advisor Kirsty Primmer will also be breaking down all the great add ons you can get for your life insurance - including Global Health Insurance that flies you anywhere in the world for the very best treatment. You'll be shocked to hear how little it costs!
As always, we'll also be covering the latest news, so join us for your regular landlord update!
Tenancy disputes tend to find in the tenant's favour, often leaving landlords out of pocket. So what can you do to ensure that a dispute goes your way? What are the best ways to resolve a dispute before it goes to an independent adjudicator?
Lisa Williamson, Senior Partner at Independent Adjudication Services joins us to talk about:
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How to resolve issues before they go too far
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What are the easiest steps a landlord can take to protect themselves against potential disputes
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How a professional inventory can help
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What constitutes 'fair wear and tear'
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What 'betterment' is
We'll also be joined by Siobhan Huston from our Customer Services team, to discuss how claims are handled through Mashroom and, as always, we'll be covering the latest news.
So join us for your regular landlord update!
Rent to rent sounds like a dream for landlords who have other things on their plate - your property is taken over by a managing agent or company, they guarantee the rent to you, but they sort out finding the tenants and managing the property.
But is it really as great for you as it sounds? What’s the catch?
Our guest Adrian McClinton is a Property Litigation solicitor and Head of Dispute Resolution, he'll be breaking down the risks involved and other ways you can guarantee your rent and protect your investment. He'll be looking at:
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Why is there a current increase in rent-to-rent schemes?
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What risks and fines are involved for landlords?
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How does using rent-to-rent potentially impact your mortgage, insurance and lease?
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What are lower-risk ways to protect your property?
We'll also be joined by Paul Shamplina of Landlord Action, who'll be taking Community questions on access for inspections and damage liability and, as always, we'll be talking to our team about how Mashroom can help and covering the latest news.
So join us for your regular landlord update!
We’re talking TAX on The Mashroom Show!
Have you made an error on your tax return that has you sweating over the potential consequences? The average HMRC enquiry lasts 19 months and professional fees to defend an enquiry often exceed £5,000. So could you survive an investigation by HMRC?
Tax enquiries are on the rise, so if you find yourself under investigation, what does this mean for you, your business and your finances? Could you lose everything you’ve worked so hard for?
Our guest Richard Cunningham is a Chartered Accountant and Chartered Tax Adviser, who'll be showing you how you can pass on Inheritance Tax.
He'll be looking at:
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What could trigger an enquiry
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How far back can HMRC go in their enquiries
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What are the common mistakes that lead to an enquiry
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What should you do if you have made an error
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What if you’ve overpaid on your tax
We'll also be joined by lettings specialist Emi Steadman and Business Insurance specialist Sunny Channa for their insight.
So join us for your regular landlord update!
We’re talking TAX on The Mashroom Show!
Have you considered Inheritance Tax? Given that the standard Inheritance Tax rate is 40%, you should. Could your family afford it? Or will your best laid plans for your family be shattered when the tax man comes knocking?
If your portfolio is designed to support your family or leave them something after you’ve gone, inheritance tax is something you need to consider NOW.
Our guest Richard Cunningham is a Chartered Accountant and Chartered Tax Adviser, who'll be showing you how you can pass on Inheritance Tax.
He'll be looking at:
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What is Inheritance Tax?
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The basic reliefs available to all tax payers
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Will gifting your property help you avoid Inheritance Tax?
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How could trusts work best for you?
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How will a Limited Company affect things?
We'll also be joined by lettings specialist Emi Steadman and Buildings Insurance specialist Sunny Channa for their insight.
So join us for your regular landlord update!
Let’s talk tax!
Could incorporating your properties into a limited company be the best thing for you as a landlord? It can be very tricky to do if you already have an existing portfolio and your mortgages could also make it even trickier.
So how do you know if this is the right thing for you to do and if it will actually save you money?
Our guest Richard Cunningham is a Chartered Accountant and Chartered Tax Adviser, who'll be breaking down the risks involved in incorporating, so you can make the right choice.
He'll be looking at:
- What is a limited company?
- What the role of a director is
- The pros and cons of using a limited company
- How to incorporate if you have an existing property profile
- Whether first-time landlords should start a limited company
- And how this could affect inheritance tax in the future
We'll also be joined by lettings specialist Emi Steadman and Property Tribes Vanessa Warwick for their insight.
So join us for your regular landlord update!
Increased reform, higher mortgage rates and high taxes levied by Section 24 have some landlords talking about pivoting into the holiday let market instead. This means they no longer need to consider residential compliance or rental reform, And research found a 1000% increase in short-term lets nationally between 2015-21.
But is this the right decision or are you potentially putting your investments at risk?
Our guest, Property Litigation Solicitor, Adrian McClinton willl be looking at:
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What do you need to consider before you change?
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What do you legally need to have in place before you can rent your property as a holiday home?
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What is the possible impact on your mortgage, insurance and lease?
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What if your tenant lets the property via AirBnB without your knowledge?
We're also joined by Paul Shamplina of Landlord Action, answering landlord questions about non-payment of rent due to issues in the property and if you have right of access if you think a tenant has abandoned the property.
So join us for your regular landlord update!
There is an ever increasing squeeze on landlords, with many choosing to abandon the sector altogether and part of that squeeze is due to increasing interest rates hitting mortgages.
The mortgage industry has been in a state of flux for some time, due to those ever-changing interest rates, but what does this actually mean for people with mortgages, people looking to get a new mortgage and what does it mean for landlords and their buy-to-let portfolios?
Our guest Stephen Smith is a financial consultant with 40 years experience in the mortgage industry and he'll be looking at:
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What's been happening with mortgages and interest rates since the beginning of the year?
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What is the knock-on effect on the housing market - could this actually be a good time to grow your portfolio?
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What's the outlook for the rest of 2023?
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Are there any reasons to be cheerful?
We're also joined by Vanessa Warwick of Property Tribes to talk about tenant and property management issues and, as always, we'll be talking to our team about how Mashroom can help and covering the latest news. So join us for your regular landlord update!
Repossession is the last straw for many landlords, what landlords really want is a long-term reliable tenant. Unfortunately, there are times when a landlord needs to repossess their property, for a variety of reasons, and this is a step that many landlords dread. We've covered repossession before, but how can you ease that process and avoid having to go to court?
Our guest Carly Jermyn is a landlord as well as a specialist in landlord tenant law at Woodstock Legal Services and she'll be looking at:
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Reasons for repossession
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Court delays
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Steps a landlord should take to ease the process on both sides
As always, we'll be talking to our team about how Mashroom can help and covering the latest news. So join us for your regular landlord update!
There are many hoops that landlords have to jump through to ensure they are compliant and renting their property legally. This covers everything from Right to Rent checks to ensuring that your Gas Safety Certificate is up to date. However, with so much to remember and with so many landlords renting property on top of a full-time day job, it’s easy to overlook things and make little mistakes that could cost you dearly.
So we're joined once again by Carly Jermyn, CEO and founder of Woodstock Legal Services, specialist in resident and landlord tenant law AND a landlord herself. She'll be breaking down the most common claims made against landlords and how you can avoid them, including:
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Housing disrepair issues
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Deposit disputes
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Harrassment
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Issues around access to the property
As always, we'll be talking to our team about how Mashroom can help and covering the latest news. So join us and learn from an expert!
The Secretary of State for Levelling Up, Housing and Communities, Michael Gove, has said 2023 is the year when the new rental reforms will come in, after long delays due to Covid. First pledged in April 2019, these reforms have been a long time coming.
We're joined by solicitor and landlord Carly Jermyn, who will be breaking down:
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What are the new reforms?
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When will they be coming in?
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What changes should landlords prepare for?
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Should landlords be worried about these changes?
Find out everything you need to know about the upcoming reform, as well as the latest news headlines and a mortgage update!
We've gathered the very best bits from our 2022 webinars to help your 2023 get off to the very best start. We've got the very best:
• EPC upgrade tips from energy & efficiency expert and full-time landlord James Tanner
• Repossession insight from property litigation solicitor Adrian McClinton
• Advice on surviving the current economic turmoil from mortgage & housing consultant Stephen Smith
• Top tax tips from chartered accountant and chartered tax advisor Richard CunninghamSo if you missed any of our last few webinars, or you're just looking for a quick refresher, join us to make this your most successful year yet!
In the last of our tax series, Chartered Accountant and Chartered Tax Advisor Richard Cunningham is back with Rob Smith to talk about planning opportunities. With good planning, you can save a lot on your tax bill, so it's really worth educating yourself on it.
Join us to make the best plans for the year ahead!
In the second of our tax mini-series, Richard Cunningham is back at the mic with Rob Smith. Richard is a Chartered Accountant and Chartered Tax Advisor and in this episode, he breaks down the type of holding structures available to you. Should you hold your properties in a trust, a limited company or in a partnership?
Lear more about what is available, so you can make the right decision for you.
In the first of our mini tax series, Rob Smith is joined by Richard Cunningham, Chartered Accountant and Chartered Tax Advisor, to talk about allowable expenses.
In order not to over - or under! - pay on your tax return, you need to have a good grasp of allowable expenses, so you know what you can and can't claim back on your tax. It's definitely worth a listen before you submit your tax return in January!
In this episode Rob Smith is joined by Stephen Smith (no relation!), a mortgage and housing consultant with over 40 years experience in the industry.
83% of all borrowers are currently on some form of a fixed-rate deal; 1.8 million of those deals are due to end in 2023. So what does this mean for property owners? Join Rob and Stephen to learn more about the current state of the market and what we can possibly expect in 2023.
Property litigation solicitor Adrian McClinton joined Rob Smith to break down everything you need to know about Section 8, Section 21 and dispute resolution.
The average repossession can take almost a year and cost around £3,000, not including any lost rent you might incur. And with Section 21 officially going, is there a cheaper and easier way to repossess your property?
Join us to understand how all eviction notices work and how you can try to avoid court.
In the very first episode of The Mashroom Show, Rob Smith is joined by James Tanner, an energy and efficiency expert and full-time landlord, to talk about upcoming legislation changes.
This legislative change will take the minimum EPC rating up to a C - and it could cost UK landlords £16bn. So how can you get your rating up without breaking the bank? On top of that, the new energy price cap has come into force and there is no one left unaffected by the soaring cost of energy. Join us as we discuss how you can cut your upgrade costs and how you can protect yourself from potential rent arrears.