![\"September](\"https://files.fireside.fm/file/fireside-uploads/images/4/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/HfWgOI2V.png\")
In the latest episode of the Business of Property podcast, host Simon is joined by Stuart French, co-owner of Pineapple Group. Stuart imparts his expertise on navigating the myriad of challenges in the property investment landscape, from tax hurdles to financial planning and property management.
\n\nStuart's journey in property investment is nothing short of inspiring. Imagine achieving an infinite return on your first property investment! That's exactly what Stuart did with a property he bought for £130,000 and, after some extensive renovations, refinanced for £210,000. His background as a structural engineer, coupled with a keen eye for potential, led him to the Medway area, where he capitalized on the growth opportunities presented by significant infrastructure developments.
\n\nBut it's not just about the success stories. Stuart delves into the critical decisions that shape a property portfolio, such as navigating tax law changes and restructuring for efficiency. He shares his insights on balancing cash flow with capital growth and why London's current market conditions are ripe for investors with the means to dive in.
\n\nThe Pineapple Group's comprehensive services are designed to streamline the investment process for those looking to invest in the UK from abroad.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nEpisode links:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
Special Guest: Stuart French.
","summary":"Stuart's journey in property investment is nothing short of inspiring. **Imagine achieving an infinite return** on your first property investment! That's exactly what Stuart did with a property he bought for £130,000.","date_published":"2024-04-24T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/a8774dea-d9a5-4b3d-a92f-c1ac35f1cd13.mp3","mime_type":"audio/mpeg","size_in_bytes":25825844,"duration_in_seconds":2650}]},{"id":"53343211-d119-4bd5-ae3c-688c673e48ed","title":"Episode 229: The best mortgage rates, market urgency and EWS1 requirements","url":"https://www.thebusinessofproperty.com/229","content_text":"Host Simon is joined by Simon Glastonbury, a seasoned independent mortgage broker. They note an uptick in available properties but a corresponding dip in buyer urgency, and round-up the latest mortgage rates.\n\nThey delve into the nuances of the UK property market, noting an uptick in available properties but a corresponding dip in buyer urgency, which may lead to transaction delays. Simon G sheds light on the high fall-through rates and the emotional toll of collapsed deals. He also touches on lenders' meticulousness in the mortgage process, the challenges of down valuations, and options for dealing with them. They also discuss the current state of the EWS1 requirements for flats with cladding issues. Furthermore, Simon G finishes up with the best of current mortgage rates (and fees) for BTL and HMO investors.\n\nJoin our email newsletter for extra, exclusive resources.\n\nEpisode links:\n\n\nSpecial guest - mortgage broker Simon Glastonbury.\nProperty market \"lack of urgency\"\nThere are still flats without an EWS1\nFind us on YouTube or LinkedIn: Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.Special Guest: Simon Glastonbury.","content_html":"Host Simon is joined by Simon Glastonbury, a seasoned independent mortgage broker. They note an uptick in available properties but a corresponding dip in buyer urgency, and round-up the latest mortgage rates.
\n\nThey delve into the nuances of the UK property market, noting an uptick in available properties but a corresponding dip in buyer urgency, which may lead to transaction delays. Simon G sheds light on the high fall-through rates and the emotional toll of collapsed deals. He also touches on lenders' meticulousness in the mortgage process, the challenges of down valuations, and options for dealing with them. They also discuss the current state of the EWS1 requirements for flats with cladding issues. Furthermore, Simon G finishes up with the best of current mortgage rates (and fees) for BTL and HMO investors.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nEpisode links:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
Special Guest: Simon Glastonbury.
","summary":"Host Simon is joined by Simon Glastonbury, a seasoned independent mortgage broker. They note an uptick in available properties but a corresponding dip in buyer urgency, and round-up the latest mortgage rates.","date_published":"2024-04-17T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/53343211-d119-4bd5-ae3c-688c673e48ed.mp3","mime_type":"audio/mpeg","size_in_bytes":21503636,"duration_in_seconds":2256}]},{"id":"f2499bed-af55-425d-a393-8a94ec62abee","title":"Episode 228: Unbreakable Spirit: Philip Mallourides' Extraordinary Path in Property Investing","url":"https://www.thebusinessofproperty.com/228","content_text":"In this insightful episode of the Business of Property podcast, Simon chats with Philip Mallourides, a seasoned property investor, to unravel his unique property journey from rent-to-rent (before it was) to blocks of auction purchased flats.\n\nPhilip recounts how he inadvertently became a landlord in 1996, a move encouraged by market conditions. He shares his early experiences in property management and the evolution of the rent-to-rent model. The episode takes a poignant turn as Philip openly discusses his conviction and subsequent imprisonment, which led to a complete loss of his property portfolio. Demonstrating resilience, Philip speaks about the power of mindset in overcoming adversity and rebuilding his life. He also provides valuable insights into property auctions, emphasizing the importance of due diligence and strategic planning. This episode is a blend of personal narrative and professional wisdom, offering a compelling look at the highs and lows of property investment.\n\nJoin our email newsletter for extra, exclusive resources.\n\nEpisode links:\n\n\nActivate Your Success\nLandlord Compliance Training\nFind us on YouTube or LinkedIn: Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.Special Guest: Philip Mallourides.","content_html":"In this insightful episode of the Business of Property podcast, Simon chats with Philip Mallourides, a seasoned property investor, to unravel his unique property journey from rent-to-rent (before it was) to blocks of auction purchased flats.
\n\nPhilip recounts how he inadvertently became a landlord in 1996, a move encouraged by market conditions. He shares his early experiences in property management and the evolution of the rent-to-rent model. The episode takes a poignant turn as Philip openly discusses his conviction and subsequent imprisonment, which led to a complete loss of his property portfolio. Demonstrating resilience, Philip speaks about the power of mindset in overcoming adversity and rebuilding his life. He also provides valuable insights into property auctions, emphasizing the importance of due diligence and strategic planning. This episode is a blend of personal narrative and professional wisdom, offering a compelling look at the highs and lows of property investment.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nEpisode links:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
Special Guest: Philip Mallourides.
","summary":"In this insightful episode of the Business of Property podcast, Simon chats with Philip Mallourides, a seasoned property investor, to unravel his unique property journey from rent-to-rent (before it was) to blocks of auction purchased flats.","date_published":"2024-04-10T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/f2499bed-af55-425d-a393-8a94ec62abee.mp3","mime_type":"audio/mpeg","size_in_bytes":21058580,"duration_in_seconds":2308}]},{"id":"a7ee6ca2-b8f8-4a91-b280-d04c2df0639a","title":"Episode 227: Unveiling the Secrets: Stuart's Key Learnings in Property Business","url":"https://www.thebusinessofproperty.com/227","content_text":"In this episode of The Business of Property podcast, co-hosts Simon and Stuart delve into the realities of managing property businesses.\n\nStuart reflects on the lessons learned throughout his property journey so far. The discussion provides valuable insights into the challenges and successes of running a property business, as shared by Stuart from his personal experience.\n\nJoin our email newsletter for extra, exclusive resources.\n\nEpisode links:\n\n\nStuart's £35k/month HMO business.\nThe spreadsheet.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"In this episode of The Business of Property podcast, co-hosts Simon and Stuart delve into the realities of managing property businesses.
\n\nStuart reflects on the lessons learned throughout his property journey so far. The discussion provides valuable insights into the challenges and successes of running a property business, as shared by Stuart from his personal experience.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nEpisode links:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"In this episode of The Business of Property podcast, co-hosts Simon and Stuart delve into the realities of managing property businesses.","date_published":"2024-04-03T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/a7ee6ca2-b8f8-4a91-b280-d04c2df0639a.mp3","mime_type":"audio/mpeg","size_in_bytes":21694748,"duration_in_seconds":2148}]},{"id":"32c507aa-2865-4dda-a46e-11e1c26a2d39","title":"Episode 226: Is a property business that loses money a good strategy?","url":"https://www.thebusinessofproperty.com/226","content_text":"In this episode of the Business of Property podcast, co-hosts Stuart and Simon engage in a lively debate about the meaning of a \"real property business\".\n\nSimon presents a scenario where a property business makes a loss initially due to investment and maintenance costs but still generates income through rentals. Stuart stresses the importance of real-world profitability and is sceptical about a business that only shows a 5.1% return after four years. They explore the implications of accounting for profit and tax strategies, with differing views on when a property business should be considered genuinely profitable.\n\nJoin our email newsletter for extra, exclusive resources.\n\nEpisode links:\n\n\nThe spreadsheet.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"In this episode of the Business of Property podcast, co-hosts Stuart and Simon engage in a lively debate about the meaning of a "real property business".
\n\nSimon presents a scenario where a property business makes a loss initially due to investment and maintenance costs but still generates income through rentals. Stuart stresses the importance of real-world profitability and is sceptical about a business that only shows a 5.1% return after four years. They explore the implications of accounting for profit and tax strategies, with differing views on when a property business should be considered genuinely profitable.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nEpisode links:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"In this episode of the Business of Property podcast, co-hosts Stuart and Simon engage in a lively debate about the meaning of a \"real property business\".","date_published":"2024-03-27T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/32c507aa-2865-4dda-a46e-11e1c26a2d39.mp3","mime_type":"audio/mpeg","size_in_bytes":15028196,"duration_in_seconds":1503}]},{"id":"6af20100-e5a5-44b5-b79f-dbcb9adc2e5f","title":"Episode 225: Common property business problems","url":"https://www.thebusinessofproperty.com/225","content_text":"Simon and Stuart engage in a detailed conversation about the complexities of managing a diverse property portfolio.\n\nThey discuss the unique challenges that come with different types of properties, such as buy-to-let, commercial spaces, serviced accommodation, and HMOs. They stress the importance of having a clear strategy and understanding what 'freedom' and 'legacy' mean to you, and within the realm of property investment. Stuart advises taking time to reflect on personal goals, while Simon talks about the option of outsourcing management tasks to streamline a portfolio. The episode is a deep dive into optimizing property management and aligning it with long-term goals.\n\nJoin our email newsletter for extra, exclusive resources.\n\nEpisode links:\n\n\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart engage in a detailed conversation about the complexities of managing a diverse property portfolio.
\n\nThey discuss the unique challenges that come with different types of properties, such as buy-to-let, commercial spaces, serviced accommodation, and HMOs. They stress the importance of having a clear strategy and understanding what 'freedom' and 'legacy' mean to you, and within the realm of property investment. Stuart advises taking time to reflect on personal goals, while Simon talks about the option of outsourcing management tasks to streamline a portfolio. The episode is a deep dive into optimizing property management and aligning it with long-term goals.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nEpisode links:
\n\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart engage in a detailed conversation about the complexities of managing a diverse property portfolio.","date_published":"2024-03-20T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/6af20100-e5a5-44b5-b79f-dbcb9adc2e5f.mp3","mime_type":"audio/mpeg","size_in_bytes":17576900,"duration_in_seconds":1703}]},{"id":"c919f65b-0b78-44bf-ae33-1725070f70a4","title":"Episode 224: The Budget's Impact on Property Businesses and Mortgages","url":"https://www.thebusinessofproperty.com/224","content_text":"In this episode, Stuart, Simon, and resident mortgage broker Simon Glastonbury discuss the recent budget's impact on property businesses.\n\nThey cover the VAT threshold increase, the capital gains tax reduction for property sellers, and the decrease in the tax-free allowance. Stuart welcomes tax reductions, while Simon Glastonbury highlights how the lower allowance might negate tax rate benefits for some. They address the budget's effects on landlords and first-time buyers, expressing disappointment over the absence of 99% loan-to-value mortgages. They also debate the abolition of multiple dwellings relief and its implications for large investors. The episode offers a detailed analysis of the budget's influence on property investment and ownership.\n\nJoin our email newsletter for extra, exclusive resources.\n\nEpisode links:\n\n\nSpecial guest - mortgage broker Simon Glastonbury.\nThe budget.\nRemoval of Multiple Dwellings Relief.\nReduction in Capital Gains Tax.\nReducing CGT exempt allowance.\nWhat the Furnished Holiday Let tax changes might mean.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.Special Guest: Simon Glastonbury.","content_html":"In this episode, Stuart, Simon, and resident mortgage broker Simon Glastonbury discuss the recent budget's impact on property businesses.
\n\nThey cover the VAT threshold increase, the capital gains tax reduction for property sellers, and the decrease in the tax-free allowance. Stuart welcomes tax reductions, while Simon Glastonbury highlights how the lower allowance might negate tax rate benefits for some. They address the budget's effects on landlords and first-time buyers, expressing disappointment over the absence of 99% loan-to-value mortgages. They also debate the abolition of multiple dwellings relief and its implications for large investors. The episode offers a detailed analysis of the budget's influence on property investment and ownership.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nEpisode links:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
Special Guest: Simon Glastonbury.
","summary":"In this episode, Stuart, Simon, and resident mortgage broker Simon Glastonbury discuss the recent budget's impact on property businesses.","date_published":"2024-03-13T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/c919f65b-0b78-44bf-ae33-1725070f70a4.mp3","mime_type":"audio/mpeg","size_in_bytes":20297876,"duration_in_seconds":2002}]},{"id":"8d245da1-d1cb-40d6-ac9c-ad18f8a708c7","title":"Episode 223: UK property market increases and decreases: Hometrack review","url":"https://www.thebusinessofproperty.com/223","content_text":"Stuart and Simon delve into the UK house price index, discussing its meaning for the property market and examining regional price variations.\n\nThey note a slight national decrease in property prices but highlight significant regional disparities. Personal anecdotes from Simon and Stuart reveal a more complex market situation than the statistics suggest, with properties still attracting offers near or above the asking price. The conversation also covers the rental market, observing shifts in tenant behavior and the balance of demand and supply. The episode offers a nuanced look at the property market, contrasting data with real-world experiences.\n\nJoin our email newsletter for extra, exclusive resources.\n\nEpisode links:\n\n\nHometrack index.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon delve into the UK house price index, discussing its meaning for the property market and examining regional price variations.
\n\nThey note a slight national decrease in property prices but highlight significant regional disparities. Personal anecdotes from Simon and Stuart reveal a more complex market situation than the statistics suggest, with properties still attracting offers near or above the asking price. The conversation also covers the rental market, observing shifts in tenant behavior and the balance of demand and supply. The episode offers a nuanced look at the property market, contrasting data with real-world experiences.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nEpisode links:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon delve into the UK house price index, discussing its meaning for the property market and examining regional price variations.","date_published":"2024-03-06T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/8d245da1-d1cb-40d6-ac9c-ad18f8a708c7.mp3","mime_type":"audio/mpeg","size_in_bytes":13458044,"duration_in_seconds":1291}]},{"id":"96dc1226-1ca8-4d2f-bcc9-88a186bf33da","title":"Episode 222: Simon's increased BTL revenues came at significant cost!","url":"https://www.thebusinessofproperty.com/222","content_text":"Stuart and Simon explore the financial journey of Simon's property business.\n\nThey start with the 2016-2017 tax year, where Simon's three buy-to-let properties yielded £36,000 in revenue and £29,000 in pre-tax profit. The conversation then covers the challenges posed by Section 24, which affected mortgage interest tax relief, increasing costs and reducing profits. Despite this, Simon remains focused on the long-term advantages of property investment, such as capital gains and equity growth. Stuart acknowledges the hard work behind managing a property portfolio, and together they shed light on the complexities of property business finances.\n\nJoin our email newsletter for extra, exclusive resources.\n\nEpisode links:\n\n\nSimon's limited company property Episode 180\nSimon's limited company property Episode 189\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon explore the financial journey of Simon's property business.
\n\nThey start with the 2016-2017 tax year, where Simon's three buy-to-let properties yielded £36,000 in revenue and £29,000 in pre-tax profit. The conversation then covers the challenges posed by Section 24, which affected mortgage interest tax relief, increasing costs and reducing profits. Despite this, Simon remains focused on the long-term advantages of property investment, such as capital gains and equity growth. Stuart acknowledges the hard work behind managing a property portfolio, and together they shed light on the complexities of property business finances.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nEpisode links:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon explore the financial journey of Simon's property business.","date_published":"2024-02-28T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/96dc1226-1ca8-4d2f-bcc9-88a186bf33da.mp3","mime_type":"audio/mpeg","size_in_bytes":10736324,"duration_in_seconds":1063}]},{"id":"3325fb4f-d91c-4a8e-9b47-e7e22ff703fc","title":"Episode 221: How to lose an Agent and save £1,000s doing your own Tenant Find","url":"https://www.thebusinessofproperty.com/221","content_text":"Stuart and Simon share strategies for landlords on finding and selecting tenants for rental properties.\n\nThey discuss the importance of preparing the property, taking quality photos, and writing effective listings. They explore options for advertising on rental portals and the benefits of self-managing the process versus using agents. The duo also talks about using automated emails to screen enquiries and the use of software to grade potential tenants. They share their approaches to scheduling viewings and the selection process, emphasizing the cost savings and relationship-building aspects of finding tenants independently.\n\nJoin our email newsletter for extra, exclusive resources.\n\nEpisode links:\n\n\nOpenRent\nVisum\nSavvyCal\nCal.com\nGoogle Calendar appointment schedule\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon share strategies for landlords on finding and selecting tenants for rental properties.
\n\nThey discuss the importance of preparing the property, taking quality photos, and writing effective listings. They explore options for advertising on rental portals and the benefits of self-managing the process versus using agents. The duo also talks about using automated emails to screen enquiries and the use of software to grade potential tenants. They share their approaches to scheduling viewings and the selection process, emphasizing the cost savings and relationship-building aspects of finding tenants independently.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nEpisode links:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon share strategies for landlords on finding and selecting tenants for rental properties.","date_published":"2024-02-21T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/3325fb4f-d91c-4a8e-9b47-e7e22ff703fc.mp3","mime_type":"audio/mpeg","size_in_bytes":20998748,"duration_in_seconds":2027}]},{"id":"8ada1602-1734-4f13-bb5c-3a9cfb4c0d6e","title":"Episode 220: A £35k per month HMO business, but how did Stuart get there??","url":"https://www.thebusinessofproperty.com/220","content_text":"Simon and Stuart discuss the significant growth of Stuart's property business over four years, focusing on revenue and strategic shifts, particularly the move into the rent-to-rent market. Stuart shares his initial challenges and the evolution of his business from a £10,000 monthly revenue to a projected £35,000, emphasizing the importance of profitability, not just revenue. They reflect on the journey's lessons, the importance of sustainable growth, and the reality of running a property business.\n\nJoin our email newsletter for extra, exclusive resources.\n\nEpisode links:\n\n\nTake the score card to discover if you're ready to scale your property business.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart discuss the significant growth of Stuart's property business over four years, focusing on revenue and strategic shifts, particularly the move into the rent-to-rent market. Stuart shares his initial challenges and the evolution of his business from a £10,000 monthly revenue to a projected £35,000, emphasizing the importance of profitability, not just revenue. They reflect on the journey's lessons, the importance of sustainable growth, and the reality of running a property business.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nEpisode links:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart discuss the significant growth of Stuart's property business over four years, focusing on revenue and strategic shifts, particularly the move into the rent-to-rent market.","date_published":"2024-02-14T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/8ada1602-1734-4f13-bb5c-3a9cfb4c0d6e.mp3","mime_type":"audio/mpeg","size_in_bytes":12343052,"duration_in_seconds":1254}]},{"id":"04565ddc-737b-49cd-8b3b-59ad5b357c7f","title":"Episode 219: 3% mortgage rates, rising rates and fees increasing leverage - what's happening with mortgages??!!","url":"https://www.thebusinessofproperty.com/219","content_text":"In this episode of the Business of Property podcast, Stuart, Simon and Simon discuss the Bank of England's decision to maintain the base rate and the impact on the mortgage market. They highlight recent rate drops, plus the rise in some lenders' rates! Not to mention the significant fees associated with mortgages and their effect on LTV. The conversation also covers the quiet state of the market, with fewer people seeking mortgage products.\n\nJoin our email newsletter for extra, exclusive resources.\n\nEpisode links:\n\n\nSpecial guest - mortgage broker Simon Glastonbury.\nTake the score card to discover if you're ready to scale your property business.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.Special Guest: Simon Glastonbury.","content_html":"In this episode of the Business of Property podcast, Stuart, Simon and Simon discuss the Bank of England's decision to maintain the base rate and the impact on the mortgage market. They highlight recent rate drops, plus the rise in some lenders' rates! Not to mention the significant fees associated with mortgages and their effect on LTV. The conversation also covers the quiet state of the market, with fewer people seeking mortgage products.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nEpisode links:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
Special Guest: Simon Glastonbury.
","summary":"In this episode of the Business of Property podcast, Stuart, Simon and Simon discuss the Bank of England's decision to maintain the base rate and the impact on the mortgage market.","date_published":"2024-02-07T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/04565ddc-737b-49cd-8b3b-59ad5b357c7f.mp3","mime_type":"audio/mpeg","size_in_bytes":16468364,"duration_in_seconds":1724}]},{"id":"ff1e6211-9a6a-42ce-9b82-ead7fc6639b6","title":"Episode 218: What’s the best property strategy to scale?","url":"https://www.thebusinessofproperty.com/218","content_text":"In this episode, Simon and Stuart explore the importance of aligning property strategies with personal preferences and strengths when growing a property business. Stuart shares his experience with HMOs and the necessity of adaptability, while Simon reflects on his slow, steady approach to building a property portfolio. They conclude that the best strategy is... (you'll need to listen!).\n\nJoin our email newsletter for extra, exclusive resources.\n\nEpisode links:\n\n\nEpisode with Luke.\nEpisode with Julia.\nTake the score card to discover if you're ready to scale your property business.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"In this episode, Simon and Stuart explore the importance of aligning property strategies with personal preferences and strengths when growing a property business. Stuart shares his experience with HMOs and the necessity of adaptability, while Simon reflects on his slow, steady approach to building a property portfolio. They conclude that the best strategy is... (you'll need to listen!).
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nEpisode links:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"In this episode, Simon and Stuart explore the importance of aligning property strategies with personal preferences and strengths when growing a property business. Stuart shares his experience with HMOs and the necessity of adaptability, while Simon reflects on his slow, steady approach to building a property portfolio. They conclude that the best strategy is... (you'll need to listen!).","date_published":"2024-01-31T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/ff1e6211-9a6a-42ce-9b82-ead7fc6639b6.mp3","mime_type":"audio/mpeg","size_in_bytes":15228716,"duration_in_seconds":1582}]},{"id":"130daf0a-08f9-4730-9582-3300870f8b3f","title":"Episode 217: From 1 BTL to £6.4M GDV in 3 Years?!","url":"https://www.thebusinessofproperty.com/217","content_text":"In this episode Stuart and Simon interview Luke Blakemore. Luke shares his journey from starting with buy-to-let properties to engaging in larger development projects. He discusses the importance of using investors' money wisely, ensuring a minimum 20% return, and building a trustworthy team. Despite challenges like problematic builders and the COVID-19 lockdown, Luke and his partner have successfully grown their portfolio. The episode also covers Luke's current project involving a luxury barn conversion.\n\nJoin our email newsletter for extra, exclusive resources.\n\nEpisode links:\n\n\nSpecial guest Luke Blakemore.\nTake the score card to discover if you're ready to scale your property business.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.Special Guest: Luke Blakemore.","content_html":"In this episode Stuart and Simon interview Luke Blakemore. Luke shares his journey from starting with buy-to-let properties to engaging in larger development projects. He discusses the importance of using investors' money wisely, ensuring a minimum 20% return, and building a trustworthy team. Despite challenges like problematic builders and the COVID-19 lockdown, Luke and his partner have successfully grown their portfolio. The episode also covers Luke's current project involving a luxury barn conversion.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nEpisode links:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
Special Guest: Luke Blakemore.
","summary":"In this episode Stuart and Simon interview Luke Blakemore. Luke shares his journey from starting with buy-to-let properties to engaging in larger development projects. He discusses the importance of using investors' money wisely, ensuring a minimum 20% return, and building a trustworthy team. Despite challenges like problematic builders and the COVID-19 lockdown, Luke and his partner have successfully grown their portfolio. The episode also covers Luke's current project involving a luxury barn conversion.","date_published":"2024-01-24T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/130daf0a-08f9-4730-9582-3300870f8b3f.mp3","mime_type":"audio/mpeg","size_in_bytes":17605316,"duration_in_seconds":1915}]},{"id":"56b45298-8d32-4b9e-8ea9-dd2bb542557b","title":"Episode 216: What to do before your fixed rate mortgage ends?","url":"https://www.thebusinessofproperty.com/216","content_text":"Stuart and Simon discuss strategies for managing mortgages, as fixed rates come to an end. They emphasize the importance of tracking end dates, exploring options with current lenders or other banks, and understanding the long-term effects of fees and interest rates on mortgages.\n\nThey advise against waiting for lower rates and suggest using tools to monitor mortgage details. They also highlight the flexibility borrowers have in locking in rates and the potential to switch offers as the remortgaging date nears.\n\nJoin our email newsletter for extra, exclusive resources.\n\nEpisode links:\n\n\nComparing cash vs mortgage returns.\nTake the score card to discover if you're ready to scale your property business.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon discuss strategies for managing mortgages, as fixed rates come to an end. They emphasize the importance of tracking end dates, exploring options with current lenders or other banks, and understanding the long-term effects of fees and interest rates on mortgages.
\n\nThey advise against waiting for lower rates and suggest using tools to monitor mortgage details. They also highlight the flexibility borrowers have in locking in rates and the potential to switch offers as the remortgaging date nears.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nEpisode links:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon discuss strategies for managing mortgages, as fixed rates come to an end. They emphasize the importance of tracking end dates, exploring options with current lenders or other banks, and understanding the long-term effects of fees and interest rates on mortgages.","date_published":"2024-01-17T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/56b45298-8d32-4b9e-8ea9-dd2bb542557b.mp3","mime_type":"audio/mpeg","size_in_bytes":12448748,"duration_in_seconds":1252}]},{"id":"970ae4cb-ebeb-4dc1-ba35-e6385cbd8d11","title":"Episode 215: Is 2024 a good year to sell my property?","url":"https://www.thebusinessofproperty.com/215","content_text":"Stuart and Simon explore reasons for selling, such as releasing capital or divesting mismatched properties, and the financial implications, including tax considerations for personal versus company-owned properties.\n\nThey delve into challenges in property valuation, market unpredictability, and the importance of flexibility in decision-making. Consider your unique situations when deciding to sell, especially that putting a property on the market is a risk-free step.\n\nJoin our email newsletter for extra, exclusive resources.\n\nEpisode links:\n\n\nCGT rates.\nCGT in businesses.\nTake the score card to discover if you're ready to scale your property business.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon explore reasons for selling, such as releasing capital or divesting mismatched properties, and the financial implications, including tax considerations for personal versus company-owned properties.
\n\nThey delve into challenges in property valuation, market unpredictability, and the importance of flexibility in decision-making. Consider your unique situations when deciding to sell, especially that putting a property on the market is a risk-free step.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nEpisode links:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon explore reasons for selling, such as releasing capital or divesting mismatched properties, and the financial implications, including tax considerations for personal versus company-owned properties.","date_published":"2024-01-10T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/970ae4cb-ebeb-4dc1-ba35-e6385cbd8d11.mp3","mime_type":"audio/mpeg","size_in_bytes":13249268,"duration_in_seconds":1331}]},{"id":"6edc2720-b246-474b-9bed-5d380700a6d7","title":"Episode 214: How to Start, Scale and Exit a Property or Lettings Agency with Julia Scoville","url":"https://www.thebusinessofproperty.com/214","content_text":"Special guest Julia Scoville joins Simon and Stuart to talk about her approach to starting, scaling and selling her specialist HMO lettings agency.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nWhy start an HMO letting agency?\nLearn from the corporate world.\nManaging HMO relationships.\nBeing a mum to tenants!\nPackaging a business for a sale.\nLife throws all sorts at you!\n65% of packaged businesses don't sell.\n6-8 months to sell a business.\nLife after selling.\nTake the score card to discover if you're ready to scale your property business.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.Special Guest: Julia Scoville.","content_html":"Special guest Julia Scoville joins Simon and Stuart to talk about her approach to starting, scaling and selling her specialist HMO lettings agency.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
Special Guest: Julia Scoville.
","summary":"Special guest Julia Scoville joins Simon and Stuart to talk about her approach to starting, scaling and selling her specialist HMO lettings agency.","date_published":"2024-01-03T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/6edc2720-b246-474b-9bed-5d380700a6d7.mp3","mime_type":"audio/mpeg","size_in_bytes":19545524,"duration_in_seconds":2209}]},{"id":"dcc5a07b-7732-4967-9ff1-e780b8f301be","title":"Episode 213: Did we predict 2023?","url":"https://www.thebusinessofproperty.com/213","content_text":"Stuart and Simon review their 2023 predictions on the Bank of England base rate, mortgage rates and house prices.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nOur 2023 predictions episode.\nBase rate prediction vs reality\nBTL rates according to Which.\nGovernment support for mortgage holders.\nIncrease in mortgage arrears and repossessions.\nHouse price changes:\n\n\nONS\nNationwide\nHalifax\n\nShould we allow for inflation?\nTake the score card to discover if you're ready to scale your property business.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon review their 2023 predictions on the Bank of England base rate, mortgage rates and house prices.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon review their 2023 predictions on the Bank of England base rate, mortgage rates and house prices.","date_published":"2023-12-27T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/dcc5a07b-7732-4967-9ff1-e780b8f301be.mp3","mime_type":"audio/mpeg","size_in_bytes":11850788,"duration_in_seconds":1206}]},{"id":"6614e8e5-7e43-45fe-b160-5f6324ae10ab","title":"Episode 212: Using a limited company for property investment","url":"https://www.thebusinessofproperty.com/212","content_text":"Simon and Stuart discuss the practicality of using a limited company for property investments - tax, mortgages, and capital investment.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nSimon's last investment.\nSetting up a company is easy, direct on the government site.\nStarling Bank.\nSimon's new company experience.\nChoose the correct SIC code if you want to get a mortgage.\nCapital improvement vs maintenance.\nTake the score card to discover if you're ready to scale your property business.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart discuss the practicality of using a limited company for property investments - tax, mortgages, and capital investment.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart discuss the practicality of using a limited company for property investments - tax, mortgages, and capital investment.","date_published":"2023-12-20T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/6614e8e5-7e43-45fe-b160-5f6324ae10ab.mp3","mime_type":"audio/mpeg","size_in_bytes":15650996,"duration_in_seconds":1537}]},{"id":"a1cf36b5-d8d4-4f4f-ba5b-d18a4857107e","title":"Episode 211: Mortgage updates plus key criteria for limited company mortgages","url":"https://www.thebusinessofproperty.com/211","content_text":"Simon Glastonbury joins us for an episode dedicated to limited company mortgages! We discuss requirements, current rates and some common myths.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes: \n\n\nSpecial guest - mortgage broker Simon Glastonbury.\nPast limited company episodes:\n\n\nHow we pay ourselves.\nLimited company vs Section 24.\nBuying in a limited company.\nTo buy or not to buy in a limited company.\n\nLimits on a limited company that wants a mortgage.\nIncome requirements for directors.\nDifferences for limited company mortgages - or are they?\nLoan To Value (LTV)\nSome example limited company mortgage rates, and fees!\nThe mortgage market is currently very quiet.\nLimited company mortgage myths.\nTake the score card to discover if you're ready to scale your property business.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.Special Guest: Simon Glastonbury.","content_html":"Simon Glastonbury joins us for an episode dedicated to limited company mortgages! We discuss requirements, current rates and some common myths.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
Special Guest: Simon Glastonbury.
","summary":"Simon Glastonbury joins us for an episode dedicated to limited company mortgages! We discuss requirements, current rates and some common myths.","date_published":"2023-12-13T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/a1cf36b5-d8d4-4f4f-ba5b-d18a4857107e.mp3","mime_type":"audio/mpeg","size_in_bytes":21797732,"duration_in_seconds":2219}]},{"id":"80a8d152-e54d-4596-8fc8-d5e109ca9c96","title":"Episode 210: It's now a buyers market, but we're still selling properties??!","url":"https://www.thebusinessofproperty.com/210","content_text":"Stuart and Simon are discussing the latest HomeTrack House Price Index and trying to sell well, in a buyers market.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nHometrack House Price Index.\nLooking back over the year of property market changes.\nHouse prices are down.\nProperty availability is up.\nWe're in a buyers market.\nWhy is Stuart still selling?\nTake the score card to discover if you're ready to scale your property business.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon are discussing the latest HomeTrack House Price Index and trying to sell well, in a buyers market.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon are discussing the latest HomeTrack House Price Index and trying to sell well, in a buyers market.","date_published":"2023-12-06T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/80a8d152-e54d-4596-8fc8-d5e109ca9c96.mp3","mime_type":"audio/mpeg","size_in_bytes":15505196,"duration_in_seconds":1552}]},{"id":"130223a2-4ddc-4baf-b6ee-b0abb6d7019d","title":"Episode 209: Property software found Simon a house!!","url":"https://www.thebusinessofproperty.com/209","content_text":"Simon and Stuart are talking about how software has enabled and enhanced their search for the best property deals.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nFinding an investment property with PaTMa.\nAutomate monitoring for fall-through properties.\nFinding the motivated sellers.\nDon't be a motivated seller!\nKnowing what to rule out when looking for investment property.\nThere are some chunky price reductions out there.\nCheck your area in PaTMa's market insights.\nTake the score card to discover if you're ready to scale your property business.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart are talking about how software has enabled and enhanced their search for the best property deals.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart are talking about how software has enabled and enhanced their search for the best property deals.","date_published":"2023-11-29T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/130223a2-4ddc-4baf-b6ee-b0abb6d7019d.mp3","mime_type":"audio/mpeg","size_in_bytes":11348132,"duration_in_seconds":1292}]},{"id":"73b7efa2-58a6-421b-8bbc-11d15bd6ec9f","title":"Episode 208: Renters Reform Bill - are we worried?","url":"https://www.thebusinessofproperty.com/208","content_text":"Stuart and Simon are talking about how their tenancies have ended in the past and how that might change in the future.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nHow do most tenancies end?\nThe rarity of Section 21.\nReal reasons for evictions.\nSection 21 validity flow chart.\nServing paperwork can often fix the problem.\nGoing to court.\nChasing debts, or not.\nTake the questionnaire to discover if you're ready to scale your property business.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon are talking about how their tenancies have ended in the past and how that might change in the future.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon are talking about how their tenancies have ended in the past and how that might change in the future.","date_published":"2023-11-22T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/73b7efa2-58a6-421b-8bbc-11d15bd6ec9f.mp3","mime_type":"audio/mpeg","size_in_bytes":13532468,"duration_in_seconds":1527}]},{"id":"b21da7fc-bece-4fdb-b8b4-b331d93e1329","title":"Episode 207: Should you buy property in cash or mortgage? A real example.","url":"https://www.thebusinessofproperty.com/207","content_text":"Simon and Stuart have all the numbers for a real-life 9 year buy-to-let investment that's just been sold. Listen in to find out how it performed and how it could have been even better!\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nThe property spreadsheet we discuss in this episode.\nThe full life of a buy-to-let investment.\nPurchase, letting, and sale.\nCash vs mortgage for buy-to-let investment.\nHow mortgages can enhance scaling a property business.\nProperty numbers aren't boring!\nTake the questionnaire to discover if you're ready to scale your property business.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart have all the numbers for a real-life 9 year buy-to-let investment that's just been sold. Listen in to find out how it performed and how it could have been even better!
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart have all the numbers for a real-life 9 year buy-to-let investment that's just been sold. Listen in to find out how it performed and how it could have been even better!","date_published":"2023-11-15T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/b21da7fc-bece-4fdb-b8b4-b331d93e1329.mp3","mime_type":"audio/mpeg","size_in_bytes":14409908,"duration_in_seconds":1594}]},{"id":"61130d10-2a28-4bae-b177-2b8ec663c1fa","title":"Episode 206: Remortgage to halve the payments!","url":"https://www.thebusinessofproperty.com/206","content_text":"With the BoE holding rates, Stuart and Simon are talking about mortgages again, including how Stuart has remortgaged to halve his payments on one property!\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nTake the questionnaire to discover if you're ready to scale your property business.\nBank of England base rate decision.\nThe new normal.\nHalving the costs by remortgaging!?\nPrevious chat about Stuart's flat.\nDoubling the costs by remortgaging!\nConsidering mortgage fees eating equity.\nCouncil tax in HMOs is now officially per-property not per-room.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"With the BoE holding rates, Stuart and Simon are talking about mortgages again, including how Stuart has remortgaged to halve his payments on one property!
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"With the BoE holding rates, Stuart and Simon are talking about mortgages again, including how Stuart has remortgaged to halve his payments on one property!","date_published":"2023-11-08T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/61130d10-2a28-4bae-b177-2b8ec663c1fa.mp3","mime_type":"audio/mpeg","size_in_bytes":14450972,"duration_in_seconds":1532}]},{"id":"996f665f-4868-43e9-99e9-540d6b3317c5","title":"Episode 205: Are you ready to scale your property business?","url":"https://www.thebusinessofproperty.com/205","content_text":"Stuart and Simon discuss their new quiz to discover if you're ready to scale your property business. Plus Stuart's unusual approach to reducing costs in his business.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nTake the questionnaire to discover if you're ready to scale your property business.\nTaking on an employee to improve profitability.\nUsing PaTMa to organise property records.\nDelivering a better service to tenants.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon discuss their new quiz to discover if you're ready to scale your property business. Plus Stuart's unusual approach to reducing costs in his business.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon discuss their new quiz to discover if you're ready to scale your property business. Plus Stuart's unusual approach to reducing costs in his business.","date_published":"2023-11-01T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/996f665f-4868-43e9-99e9-540d6b3317c5.mp3","mime_type":"audio/mpeg","size_in_bytes":13745012,"duration_in_seconds":1339}]},{"id":"8d7e48a1-e299-4196-8026-c5b3a26e6ae8","title":"Episode 204: Mortgages rates update: £15k fees on buy to let??!","url":"https://www.thebusinessofproperty.com/204","content_text":"Simon Glastonbury joins us with all the latest mortgage news. We're talking about the quiet property market, crazy fees and of course all the latest interest rates.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nSpecial guest - mortgage broker Simon Glastonbury.\nThe next Bank of England base rate announcement.\nStabilising mortgage market.\nThe quiet property market.\nAre first time buyers struggling to adjust to the current market?\nNothing indicating a property crash!\nRenegotiating price on exchange. \nDo due diligence on buyers in this market.\n\"The bargains will come\".\nHigher fees to fit the stress testing.\nCurrent mortgage rate summary.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.Special Guest: Simon Glastonbury.","content_html":"Simon Glastonbury joins us with all the latest mortgage news. We're talking about the quiet property market, crazy fees and of course all the latest interest rates.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
Special Guest: Simon Glastonbury.
","summary":"Simon Glastonbury joins us with all the latest mortgage news. We're talking about the quiet property market, crazy fees and of course all the latest interest rates.","date_published":"2023-10-25T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/8d7e48a1-e299-4196-8026-c5b3a26e6ae8.mp3","mime_type":"audio/mpeg","size_in_bytes":19513413,"duration_in_seconds":2014}]},{"id":"8f76fcda-1ff8-4488-903a-1cfb0f88b2d1","title":"Episode 203: What's happening in the property market right now?","url":"https://www.thebusinessofproperty.com/203","content_text":"Stuart and Simon talk through a selection of the latest data from PaTMa on the current state of the property market.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nThe Business of Property on YouTube.\nCharts and graphs.\nWeekly property market insights from PaTMa.\nChanges in late 2022!\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon talk through a selection of the latest data from PaTMa on the current state of the property market.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon talk through a selection of the latest data from PaTMa on the current state of the property market.","date_published":"2023-10-18T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/8f76fcda-1ff8-4488-903a-1cfb0f88b2d1.mp3","mime_type":"audio/mpeg","size_in_bytes":17757045,"duration_in_seconds":1736}]},{"id":"72f921ea-a914-421f-8ed8-1a459bf11d3d","title":"Episode 202: When the R2R property plan fails...","url":"https://www.thebusinessofproperty.com/202","content_text":"Simon and Stuart are catching up on Stuart's recent refurb project, and it didn't all go according to plan!\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes: \n\n\nListen to episode 198 for the back story.\nA very tight renovation deadline.\nPainting, decorating, waste removal, deep clean, furniture, and new service connections!\n... or not ...\nCoping with trouble.\nWhat could have been done differently.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart are catching up on Stuart's recent refurb project, and it didn't all go according to plan!
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart are catching up on Stuart's recent refurb project, and it didn't all go according to plan!","date_published":"2023-10-11T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/72f921ea-a914-421f-8ed8-1a459bf11d3d.mp3","mime_type":"audio/mpeg","size_in_bytes":13475781,"duration_in_seconds":1455}]},{"id":"fbdc75c8-7c55-47ac-9671-1ebc235166ad","title":"Episode 201: Why we hate the term Landlord and why it might hold you back","url":"https://www.thebusinessofproperty.com/201","content_text":"Stuart and Simon talk about their dislike of the term \"Landlord\", but what else should we be called?\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nNow with video!\nTwo views on disliking the term Landlord.\nIs being a landlord holding you back?\nWhat else could we be called?\nYour external vs internal name.\nThe NRLA campaigns.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon talk about their dislike of the term "Landlord", but what else should we be called?
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon talk about their dislike of the term \"Landlord\", but what else should we be called?","date_published":"2023-10-04T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/fbdc75c8-7c55-47ac-9671-1ebc235166ad.mp3","mime_type":"audio/mpeg","size_in_bytes":13247805,"duration_in_seconds":1429}]},{"id":"8a78a7ce-1903-4f36-b4d4-ae446904b72d","title":"Episode 200: Portfolio scale vs profit!","url":"https://www.thebusinessofproperty.com/200","content_text":"Simon and Stuart are chatting about property business profit at scale.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nWhat's your day-job salary \"profit\"?\nProfit from a property business can be surprisingly low.\nShould you minimise outgoings before starting a business?\nThe profit in a single property.\nScaling up your profit requirements.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart are chatting about property business profit at scale.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart are chatting about property business profit at scale.","date_published":"2023-09-27T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/8a78a7ce-1903-4f36-b4d4-ae446904b72d.mp3","mime_type":"audio/mpeg","size_in_bytes":10693944,"duration_in_seconds":1333}]},{"id":"5eb1d0b0-40a3-444c-ac4a-2304b763d234","title":"Episode 199: How do you value property, in an uncertain market?","url":"https://www.thebusinessofproperty.com/199","content_text":"Stuart and Simon talk through finding good comparables to help with property valuation, plus things to consider when adjusting the market value to the value for you.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nLand Registry alert service.\nProperty market data from PaTMa.\nLand Registry updates can be slow!\nSold prices are not suitable as current comparables.\nLooking for better comparable prices.\nGoing deeper when considering your property value.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon talk through finding good comparables to help with property valuation, plus things to consider when adjusting the market value to the value for you.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon talk through finding good comparables to help with property valuation, plus things to consider when adjusting the market value to the value for you.","date_published":"2023-09-20T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/5eb1d0b0-40a3-444c-ac4a-2304b763d234.mp3","mime_type":"audio/mpeg","size_in_bytes":10938936,"duration_in_seconds":1344}]},{"id":"8c95b76a-d449-4cf1-b79d-481087ab9c18","title":"Episode 198: Rent-to-rent ready in 2 weeks?!","url":"https://www.thebusinessofproperty.com/198","content_text":"This week we're taking a deep dive into a very active project for Stuart - at the end of week 1, of only 2, for his latest rent-to-rent property.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nShort deadline.\nThe R2R deal background.\nAll the work needed.\nThe glamour of being a landlord.\nWe are always responsible.\nChanging tenant profiles.\nEnabling higher rents.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"This week we're taking a deep dive into a very active project for Stuart - at the end of week 1, of only 2, for his latest rent-to-rent property.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"This week we're taking a deep dive into a very active project for Stuart - at the end of week 1, of only 2, for his latest rent-to-rent property.","date_published":"2023-09-13T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/8c95b76a-d449-4cf1-b79d-481087ab9c18.mp3","mime_type":"audio/mpeg","size_in_bytes":12114984,"duration_in_seconds":1420}]},{"id":"d31d8223-4b05-477c-af48-351927c804e0","title":"Episode 197: Building a team for *very* remote investing, with Mike Stenhouse","url":"https://www.thebusinessofproperty.com/197","content_text":"Special guest Mike Stenhouse joins Stuart and Simon to talk about building and adjusting his property team while travelling the world.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nSpecial guest Mike Stenhouse.\nSarah Beeny.\nChoosing boat life.\nDoing an identifiable job inside the business - until you can replace yourself.\nMaking very remote investing work.\nReal life events to find investors.\nBuilding a brand to help reassure investors.\nMost of the Google results for Simon are not actually Simon!\nSeth Godin.\nEntrepreneurs on Fire podcast.\nA baby on board!\nReshaping the team.\nStandard Operating Procedures.\nA £50,000 mistake!\nAiming for 500 homes.\nThe IPI future.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.Special Guest: Mike Stenhouse.","content_html":"Special guest Mike Stenhouse joins Stuart and Simon to talk about building and adjusting his property team while travelling the world.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
Special Guest: Mike Stenhouse.
","summary":"Special guest Mike Stenhouse joins Stuart and Simon to talk about building and adjusting his property team while travelling the world.","date_published":"2023-09-06T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/d31d8223-4b05-477c-af48-351927c804e0.mp3","mime_type":"audio/mpeg","size_in_bytes":21693720,"duration_in_seconds":2572}]},{"id":"cbf19f39-50b9-4dc6-b4cc-dff00670e5b6","title":"Episode 196: \"Is BTL profitable?\" - Simon thinks it can be!","url":"https://www.thebusinessofproperty.com/196","content_text":"Simon and Stuart talk about a social media question that Simon recently tried to argue against - that BTL can no longer be profitable!\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes: \n\n\nHow we pay ourselves from limited companies.\nHave interest rates broken BTL.\nChecking property deal investment levels on the PaTMa BTL calculator.\nRemortgaging to create unprofitable BTLs.\nExtending a leasehold.\nHaving the option to buy your freehold.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart talk about a social media question that Simon recently tried to argue against - that BTL can no longer be profitable!
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart talk about a social media question that Simon recently tried to argue against - that BTL can no longer be profitable!","date_published":"2023-08-30T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/cbf19f39-50b9-4dc6-b4cc-dff00670e5b6.mp3","mime_type":"audio/mpeg","size_in_bytes":10876104,"duration_in_seconds":1269}]},{"id":"fa107c4e-f224-4885-b40f-6161e7134510","title":"Episode 195: Can we do \"financial buffers\" & what type of concrete?!","url":"https://www.thebusinessofproperty.com/195","content_text":"Stuart and Simon chat about having financial buffers in their property businesses, with only slight detours into boiler replacement costs and types of concrete!\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nPrevious episode thinking about expenses\nThe cost of a boiler!\nHaving a buffer.\nWhen does a buffer become a waste?\nWhat type of concrete?\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon chat about having financial buffers in their property businesses, with only slight detours into boiler replacement costs and types of concrete!
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon chat about having financial buffers in their property businesses, with only slight detours into boiler replacement costs and types of concrete!","date_published":"2023-08-23T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/fa107c4e-f224-4885-b40f-6161e7134510.mp3","mime_type":"audio/mpeg","size_in_bytes":9795720,"duration_in_seconds":1178}]},{"id":"1f788979-0d25-4788-89ef-599247b0964b","title":"Episode 194: Mortgage Updates: Rates, fall throughs, revaluations & crazy fees!!","url":"https://www.thebusinessofproperty.com/194","content_text":"Simon Glastonbury joins us with all the latest mortgage news. We're talking fall-throughs, down valuations, crazy fees and of course all the latest interest rates.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nSpecial guest - mortgage broker Simon Glastonbury.\nFall throughs are up.\nEstate agents are worried.\nConcern about the housing market - but not expecting a big crash.\nWorrying about the jump when fixed rates expire.\nCurrent mortgage interest rate round-up.\nCrazy fees!\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.Special Guest: Simon Glastonbury.","content_html":"Simon Glastonbury joins us with all the latest mortgage news. We're talking fall-throughs, down valuations, crazy fees and of course all the latest interest rates.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
Special Guest: Simon Glastonbury.
","summary":"Simon Glastonbury joins us with all the latest mortgage news. We're talking fall-throughs, down valuations, crazy fees and of course all the latest interest rates.","date_published":"2023-08-16T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/1f788979-0d25-4788-89ef-599247b0964b.mp3","mime_type":"audio/mpeg","size_in_bytes":16311048,"duration_in_seconds":1971}]},{"id":"f3549431-de89-4904-8322-c179b80c2e5d","title":"Episode 193: The 5 biggest risks you need to know before scaling","url":"https://www.thebusinessofproperty.com/193","content_text":"Stuart and Simon are talking about the five biggest risks you need to consider before scaling up your property business - each bringing their own views with HMO and BTL portfolios.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nThe 5 biggest risks to scaling a property business.\n\n\nTime\nOngoing Costs\nCash flow\nMomentum\nFinancial Management\n\nStuart on the Inside Property Investing Podcast.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon are talking about the five biggest risks you need to consider before scaling up your property business - each bringing their own views with HMO and BTL portfolios.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon are talking about the five biggest risks you need to consider before scaling up your property business - each bringing their own views with HMO and BTL portfolios.","date_published":"2023-08-09T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/f3549431-de89-4904-8322-c179b80c2e5d.mp3","mime_type":"audio/mpeg","size_in_bytes":14013888,"duration_in_seconds":1646}]},{"id":"3aed97f6-3d4f-4b76-b798-1ac2fca92625","title":"Episode 192: 5 Keys to Property Scaling Success","url":"https://www.thebusinessofproperty.com/192","content_text":"Simon and Stuart run through 5 keys to property scaling success.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nSee last weeks episode with Sulis Properties.\nHaving a target area.\nA realistic goal.\nBreaking out a plan.\nBuilding experience.\nA clear strategy.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart run through 5 keys to property scaling success.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart run through 5 keys to property scaling success.","date_published":"2023-08-02T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/3aed97f6-3d4f-4b76-b798-1ac2fca92625.mp3","mime_type":"audio/mpeg","size_in_bytes":8584224,"duration_in_seconds":1101}]},{"id":"1446aaff-29c8-43fe-85ff-f3e11ec6c3a8","title":"Episode 191: Our guest is scaling rapidly but has 2 key challenges...","url":"https://www.thebusinessofproperty.com/191","content_text":"Stuart and Simon are joined by special guest, Adam from Sulis Properties. In just three years Sulis Properties have built a portfolio of six buy-to-lets, completed two flips and joint ventured on an HMO. This week we talk through their journey and current scaling challenges.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nFind Sulis Properties on Instagram.\nDoing a lot, building a BTL portfolio, in three years.\nA plan to retire at 50, based on BTL.\nRebalancing the work / life routine.\nStarting with about £100k.\nGetting a boost from the early pandemic market.\nUsing lockdowns to be local, for an otherwise remote investment location.\nIt's harder to manage trades remotely, even with some trusted local support.\nConsidering gross yield and net yield.\nA preference for return on capital employed (ROCE).\nTrying different strategies and pivoting with new knowledge.\nConsidering flips in a (slightly) downward market.\nHaving a valuable offer for investors.\nFinding investors.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.Special Guest: Adam Watson.","content_html":"Stuart and Simon are joined by special guest, Adam from Sulis Properties. In just three years Sulis Properties have built a portfolio of six buy-to-lets, completed two flips and joint ventured on an HMO. This week we talk through their journey and current scaling challenges.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
Special Guest: Adam Watson.
","summary":"Stuart and Simon are joined by special guest, Adam from Sulis Properties. In just three years Sulis Properties have built a portfolio of six buy-to-lets, completed two flips and joint ventured on an HMO. This week we talk through their journey and current scaling challenges.","date_published":"2023-07-26T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/1446aaff-29c8-43fe-85ff-f3e11ec6c3a8.mp3","mime_type":"audio/mpeg","size_in_bytes":27896616,"duration_in_seconds":3030}]},{"id":"c41c9142-388c-4998-896b-6fbf1e9513af","title":"Episode 190: Estate Agents: The Good, The Bad and The Indifferent","url":"https://www.thebusinessofproperty.com/190","content_text":"Simon and Stuart are talking about recent, contrasting estate agent experiences!\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nSee episode 185 for Stuart's first reaction to his property listing.\nOff the market after three weeks.\nUsing the PaTMa Browser Extension to see how long properties have been on the market.\nGetting off to a good start with Move Revolution.\n\"We're taking on properties, and we're selling properties, not always as quickly as we'd like.\"\n\"For the last two years, I think we've all gotten a bit lazy.\"\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart are talking about recent, contrasting estate agent experiences!
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart are talking about recent, contrasting estate agent experiences!","date_published":"2023-07-19T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/c41c9142-388c-4998-896b-6fbf1e9513af.mp3","mime_type":"audio/mpeg","size_in_bytes":12502296,"duration_in_seconds":1590}]},{"id":"908983c0-62c0-452a-93cf-9c5868660bad","title":"Episode 189: How do we pay ourselves from our Ltd companies?","url":"https://www.thebusinessofproperty.com/189","content_text":"Stuart and Simon talk about extracting money from their property investment companies and the principles they use to do it efficiently.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nExtracting funds from a limited company.\nLoan repayments.\nFigures behind Simon's recent investment.\nSection 24 rant!\nSalary.\nDividends.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon talk about extracting money from their property investment companies and the principles they use to do it efficiently.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon talk about extracting money from their property investment companies and the principles they use to do it efficiently.","date_published":"2023-07-12T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/908983c0-62c0-452a-93cf-9c5868660bad.mp3","mime_type":"audio/mpeg","size_in_bytes":14852852,"duration_in_seconds":1237}]},{"id":"4f668d64-47f3-4032-afb7-e0bdb4f91dbf","title":"Episode 188: Mortgage rates, swap rates and stress tests with our resident broker","url":"https://www.thebusinessofproperty.com/188","content_text":"Simon Glastonbury joins us to talk over all the latest turbulence in the mortgage market. As always, listen to the end for our popular mortgage rate round-up.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nSpecial guest - mortgage broker Simon Glastonbury.\nWhat effect has the latest Bank of England base rate change had?\nGetting to know swap rates.\nHigh demand for two year fixes.\nThe latest mortgage rates - residential, BTL, HMO, and Limited company.\nCurrent example stress and rental cover rates.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.Special Guest: Simon Glastonbury.","content_html":"Simon Glastonbury joins us to talk over all the latest turbulence in the mortgage market. As always, listen to the end for our popular mortgage rate round-up.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
Special Guest: Simon Glastonbury.
","summary":"Simon Glastonbury joins us to talk over all the latest turbulence in the mortgage market. As always, listen to the end for our popular mortgage rate round-up.","date_published":"2023-07-05T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/4f668d64-47f3-4032-afb7-e0bdb4f91dbf.mp3","mime_type":"audio/mpeg","size_in_bytes":26655914,"duration_in_seconds":2221}]},{"id":"dd5052aa-d511-400b-839d-2d588c06b4a5","title":"Episode 187: Does Buy To Let REALLY stack up in the New (interest rate) World?","url":"https://www.thebusinessofproperty.com/187","content_text":"Simon and Stuart are updating an old topic, comparing two years ago with the new (\"slightly\" higher interest rate) world - can buy-to-let still work to replace your salary?\n\nYes, we know, in not much more than a week between recording and publication, the interest rates we talk about are already out of date! The links below include an updated scenario.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nSee episode 86 for our last look at replacing your salary with buy-to-let.\nView the investment scenarios we discuss in this episode:\n\n\nthe one from July 2021\n75% LTV - if only!\nthe one that was possible when we recorded\nand the one you might get now\n\nCould you replace your salary with BTL, with new interest rates?\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart are updating an old topic, comparing two years ago with the new ("slightly" higher interest rate) world - can buy-to-let still work to replace your salary?
\n\nYes, we know, in not much more than a week between recording and publication, the interest rates we talk about are already out of date! The links below include an updated scenario.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart are updating an old topic, comparing two years ago with the new (\"slightly\" higher interest rate) world - can buy-to-let still work to replace your salary?","date_published":"2023-06-28T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/dd5052aa-d511-400b-839d-2d588c06b4a5.mp3","mime_type":"audio/mpeg","size_in_bytes":10638768,"duration_in_seconds":1345}]},{"id":"65ed6f29-164b-4892-8945-35afd0b8e426","title":"Episode 186: Intentional investing - what \"shape\" is your portfolio?","url":"https://www.thebusinessofproperty.com/186","content_text":"Stuart and Simon talk about changing directions, having momentum and being intentional about the shape of your property portfolio.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nStruggling student lets thread.\nAcross 70+ rooms, I'm contacted every day.\nNot everything is handled by the agent.\nConsidering relocating a portfolio.\nCan't relocate a \"power team\".\nA new strategy can be like starting from scratch.\nIs property the right strategy play?\nPushing the happy green button.\nPriority: business vs property.\nPortfolio of 5 vs 23 (same value)!\nHave you considered how your location will affect the \"shape\" of your property business?\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon talk about changing directions, having momentum and being intentional about the shape of your property portfolio.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon talk about changing directions, having momentum and being intentional about the shape of your property portfolio.","date_published":"2023-06-21T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/65ed6f29-164b-4892-8945-35afd0b8e426.mp3","mime_type":"audio/mpeg","size_in_bytes":10519272,"duration_in_seconds":1349}]},{"id":"8975863f-b4b0-4e8b-90a8-86bef73b333d","title":"Episode 185: Wading through fast food bags","url":"https://www.thebusinessofproperty.com/185","content_text":"Simon and Stuart discuss whether Stuart will be taking one of his properties off the market after one day!\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\n\"My goodness, that's awful\".\nSmashed window.\nWading through fast food bags.\nPresenting student properties for sale.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart discuss whether Stuart will be taking one of his properties off the market after one day!
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart discuss whether Stuart will be taking one of his properties off the market after one day!","date_published":"2023-06-14T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/8975863f-b4b0-4e8b-90a8-86bef73b333d.mp3","mime_type":"audio/mpeg","size_in_bytes":11178576,"duration_in_seconds":1394}]},{"id":"f0818c61-c879-4664-a56b-c39ba0cc9427","title":"Episode 184: Interest rates: can they be predictable?","url":"https://www.thebusinessofproperty.com/184","content_text":"Stuart and Simon chat about the trials of turbulent mortgage interest rates!\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nMortgage broker Simon Glastonbury.\nMortgages are changing, again.\nMortgage stress rates and rental/interest cover requirements.\nRental cover for HMOs.\nHow long do we fix for?\nWhat else can we fix?\nSwimming up hill? Change things!\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon chat about the trials of turbulent mortgage interest rates!
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon chat about the trials of turbulent mortgage interest rates!","date_published":"2023-06-07T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/f0818c61-c879-4664-a56b-c39ba0cc9427.mp3","mime_type":"audio/mpeg","size_in_bytes":13326696,"duration_in_seconds":1636}]},{"id":"9ea20bfd-4e4e-4492-ba44-25da5fe25d18","title":"Episode 183: Reasons to persevere in property!","url":"https://www.thebusinessofproperty.com/183","content_text":"Simon and Stuart are sharing their top reasons to persevere with property investment with an impressive real-life leverage and inflation case study.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nWhy persevere in property.\nLeverage - the positives (only).\nInflation and leverage multiplier.\nIncreasing rents.\nHigh demand.\nLess competition.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart are sharing their top reasons to persevere with property investment with an impressive real-life leverage and inflation case study.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart are sharing their top reasons to persevere with property investment with an impressive real-life leverage and inflation case study.","date_published":"2023-05-31T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/9ea20bfd-4e4e-4492-ba44-25da5fe25d18.mp3","mime_type":"audio/mpeg","size_in_bytes":8832264,"duration_in_seconds":1094}]},{"id":"a9b22854-b9fa-45ed-a45f-ae4b10c7c3f0","title":"Episode 182: Mortgage rates and updates with our resident broker","url":"https://www.thebusinessofproperty.com/182","content_text":"We're joined again by our mortgage expert to discuss the latest base rate increase and the latest updates in the mortgage market. Including our popular update on the latest available mortgage interest rates.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nSpecial guest - Mortgage broker Simon Glastonbury.\nBank of England base rate.\nBase rate forecasts.\n2 year vs 5 year rates.\nBusier mortgage market, with one major exception!\nPaying to keep a BTL property. \nSkipton's 100% mortgage.\nStuck on SVR.\nCurrent available mortgage rates - residential, BTL and HMO.\nThe trick of mortgage fees.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"We're joined again by our mortgage expert to discuss the latest base rate increase and the latest updates in the mortgage market. Including our popular update on the latest available mortgage interest rates.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"We're joined again by our mortgage expert to discuss the latest base rate increase and the latest updates in the mortgage market. Including our popular update on the latest available mortgage interest rates.","date_published":"2023-05-24T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/a9b22854-b9fa-45ed-a45f-ae4b10c7c3f0.mp3","mime_type":"audio/mpeg","size_in_bytes":15793488,"duration_in_seconds":1973}]},{"id":"e141685c-6e99-48a7-a81c-bbe98ade6939","title":"Episode 181: Should you invest in student HMOs?","url":"https://www.thebusinessofproperty.com/181","content_text":"Simon and Stuart are discussing pros and cons of student HMOs, specifically Stuart's past and current experiences.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nWhy did Stuart start with student lettings?\nThe good things about student lets.\nDon't always listen to advice!\nPaid three times a year.\nHigher maintenance.\nCompetition!\nPBSA (Purpose Built Student Accommodation).\nArt on the walls.\nUtility costs.\nChanging tenancy regulations.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart are discussing pros and cons of student HMOs, specifically Stuart's past and current experiences.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart are discussing pros and cons of student HMOs, specifically Stuart's past and current experiences.","date_published":"2023-05-17T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/e141685c-6e99-48a7-a81c-bbe98ade6939.mp3","mime_type":"audio/mpeg","size_in_bytes":11895696,"duration_in_seconds":1417}]},{"id":"c413d226-3478-4b28-a713-fa44caca1e4d","title":"Episode 180: Is Simon happy with his new property investment?","url":"https://www.thebusinessofproperty.com/180","content_text":"Stuart and Simon explore the real numbers before, during and after Simon's latest property investment.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nWhat was Simon looking for?\nThinking back to the property market last year.\nOffers and purchase price.\nMortgage woes.\nMaking up with the rent.\nSee episode 12 for ROI and other definitions.\nForecast vs actual ROI and yield.\nCapital gains illustration.\nIs Simon happy with the investment?\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon explore the real numbers before, during and after Simon's latest property investment.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon explore the real numbers before, during and after Simon's latest property investment.","date_published":"2023-05-10T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/c413d226-3478-4b28-a713-fa44caca1e4d.mp3","mime_type":"audio/mpeg","size_in_bytes":14731296,"duration_in_seconds":1802}]},{"id":"b1b0e472-1d86-4e9c-9ee3-ea0f2bc49d86","title":"Episode 179: The Three-Year Property Flip!!","url":"https://www.thebusinessofproperty.com/179","content_text":"Simon and Stuart discuss a particular property that Stuart has, accidentally, been working on for over three years.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nA different approach to \"flipping\".\nRe-cap since episode 36.\nEpisode 39.\nA special mention for InterBay.\nThe three year bridging loan!\nThe EWS1 has finally been issued!\nMortgage broker Simon Glastonbury.\nConsidering and comparing mortgage fees.\nWhether BTL can actually make money.\nRefinance or sell?\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart discuss a particular property that Stuart has, accidentally, been working on for over three years.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart discuss a particular property that Stuart has, accidentally, been working on for over three years.","date_published":"2023-05-03T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/b1b0e472-1d86-4e9c-9ee3-ea0f2bc49d86.mp3","mime_type":"audio/mpeg","size_in_bytes":13720320,"duration_in_seconds":1613}]},{"id":"37389e7c-e1c3-4eb3-910f-2c72ff9aa5cb","title":"Episode 178: Have interest rates broken BTL?!","url":"https://www.thebusinessofproperty.com/178","content_text":"Stuart and Simon discuss whether buy-to-let investment is currently broken (or not).\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nIs Simon's latest purchase broken (already)?\nPersonal name vs limited company.\nBTL is broken!\nIs BTL over-leveraged instead?\n\"If you're buying in cash, you're absolutely golden.\"\nMaybe BTL can work in some places?\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon discuss whether buy-to-let investment is currently broken (or not).
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon discuss whether buy-to-let investment is currently broken (or not).","date_published":"2023-04-26T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/37389e7c-e1c3-4eb3-910f-2c72ff9aa5cb.mp3","mime_type":"audio/mpeg","size_in_bytes":10127688,"duration_in_seconds":1248}]},{"id":"b322fa3b-773b-4876-be64-89664e42aeaa","title":"Episode 177: Avoiding voids and landlords selling up","url":"https://www.thebusinessofproperty.com/177","content_text":"Simon and Stuart chat about Simon's recent experience (and process) renting a 2-bed house in the South East. Plus, what's the average rental void at the moment and why are so many landlords selling up?\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nSimon bucks the rental void period average by over 150 days!\nSimon confesses a planning oversight.\nNever before seen demand for a rental property!\nThe process for the viewings Simon ran.\nStuart is seeing a softening of HMO demand in his area.\nTenant departures due to inappropriate sales.\nSurprisingly large number of viewing tenants reporting their landlord is selling.\nSimon suggests a, not very practical, property investment strategy.\nLooking for tenanted property sales.\nWhy are so many landlords selling?\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart chat about Simon's recent experience (and process) renting a 2-bed house in the South East. Plus, what's the average rental void at the moment and why are so many landlords selling up?
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart chat about Simon's recent experience (and process) renting a 2-bed house in the South East. Plus, what's the average rental void at the moment and why are so many landlords selling up?","date_published":"2023-04-19T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/b322fa3b-773b-4876-be64-89664e42aeaa.mp3","mime_type":"audio/mpeg","size_in_bytes":12051480,"duration_in_seconds":1473}]},{"id":"cd382a35-dfcb-4779-8dc5-0617a2b973ee","title":"Episode 176: Property problems","url":"https://www.thebusinessofproperty.com/176","content_text":"Stuart and Simon discuss the reality of running property businesses and the problems they face. From a slightly alarming market rent report to an even more alarming utility bill.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nNew market rent report from PaTMa.\nSimon's portfolio is a little behind the market.\nStuart's 50 + 60 > 100 challenge.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon discuss the reality of running property businesses and the problems they face. From a slightly alarming market rent report to an even more alarming utility bill.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon discuss the reality of running property businesses and the problems they face. From a slightly alarming market rent report to an even more alarming utility bill.","date_published":"2023-04-12T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/cd382a35-dfcb-4779-8dc5-0617a2b973ee.mp3","mime_type":"audio/mpeg","size_in_bytes":11240544,"duration_in_seconds":1355}]},{"id":"c4d0e1a3-eb31-4f6d-a3b3-a046daeeb741","title":"Episode 175: Biggest price drop since 2009?!","url":"https://www.thebusinessofproperty.com/175","content_text":"Simon and Stuart discuss the recent news story about the biggest annual fall in house prices since 2009, is it the start of a crash? They also discuss the wider state of the property market, the impact of inflation on renters, and considerations for investors.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe property talk this week includes:\n\n\nPrice drop story, with the graph we discuss, on the BBC.\nSource data from Nationwide.\nNew listing prices are holding up.\nPeople are still listing property at prices close to the peak last year.\nCompound inflation adds up!\nThe next few weeks/months will be critical for the housing market.\nThinking about the tenants when choosing an investment.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart discuss the recent news story about the biggest annual fall in house prices since 2009, is it the start of a crash? They also discuss the wider state of the property market, the impact of inflation on renters, and considerations for investors.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe property talk this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart discuss the recent news story about the biggest annual fall in house prices since 2009, is it the start of a crash? They also discuss the wider state of the property market, the impact of inflation on renters, and considerations for investors.","date_published":"2023-04-05T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/c4d0e1a3-eb31-4f6d-a3b3-a046daeeb741.mp3","mime_type":"audio/mpeg","size_in_bytes":10698480,"duration_in_seconds":1297}]},{"id":"22dc6dbb-9f28-4ab6-b707-12326f221dfd","title":"Episode 174: Affordability and tenant selection: 80% on rent?!","url":"https://www.thebusinessofproperty.com/174","content_text":"Stuart and Simon discuss the reality of running property businesses. Simon shares his experience of putting his property on the market and the response he's received from potential tenants. They discuss the affordability of rent, talk about the shortage of rental properties, and the drop in new rental property listings.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe chat this week includes:\n\n\nSimon's latest property on the rental market.\nIt's even almost ready!\nProfessional photos - perhaps with virtual tour.\nMatterport.\nOpenRent.\n30+ applicants in 48 hours.\nSpending 80% of income on rent?\nIs the rental property shortage getting worse?\nTenant checks before viewing.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon discuss the reality of running property businesses. Simon shares his experience of putting his property on the market and the response he's received from potential tenants. They discuss the affordability of rent, talk about the shortage of rental properties, and the drop in new rental property listings.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe chat this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon discuss the reality of running property businesses. Simon shares his experience of putting his property on the market and the response he's received from potential tenants. They discuss the affordability of rent, talk about the shortage of rental properties, and the drop in new rental property listings.","date_published":"2023-03-29T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/22dc6dbb-9f28-4ab6-b707-12326f221dfd.mp3","mime_type":"audio/mpeg","size_in_bytes":9337656,"duration_in_seconds":1179}]},{"id":"44b89668-d805-49c2-a528-5767ef9c6c51","title":"Episode 173: The dreaded HMO licence inspection!","url":"https://www.thebusinessofproperty.com/173","content_text":"Stuart and Simon are reviewing the good, bad and entertaining feedback that Stuart recently received when renewing the HMO licence on one of his existing properties.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe discussion this week includes:\n\n\nThe crimes of Henry Hoover.\nThe case of the shrinking bedroom.\nGrowing requirements.\nStoring up mould.\nMoving walls.\nShower heating.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon are reviewing the good, bad and entertaining feedback that Stuart recently received when renewing the HMO licence on one of his existing properties.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe discussion this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon are reviewing the good, bad and entertaining feedback that Stuart recently received when renewing the HMO licence on one of his existing properties.","date_published":"2023-03-22T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/44b89668-d805-49c2-a528-5767ef9c6c51.mp3","mime_type":"audio/mpeg","size_in_bytes":12126552,"duration_in_seconds":1560}]},{"id":"1089b332-d359-47b4-b441-de64b7ee1627","title":"Episode 172: Are landlords getting away without Rent Repayment Orders?","url":"https://www.thebusinessofproperty.com/172","content_text":"Simon and Stuart are debating the impacts, benefits and risks from the recent supreme court judgement on RRO liability.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe chat this week includes:\n\n\nRRO judgement.\nRRO articles.\nSilicon Valley Bank collapse.\nMore SVB collapse details.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart are debating the impacts, benefits and risks from the recent supreme court judgement on RRO liability.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe chat this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart are debating the impacts, benefits and risks from the recent supreme court judgement on RRO liability.","date_published":"2023-03-15T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/1089b332-d359-47b4-b441-de64b7ee1627.mp3","mime_type":"audio/mpeg","size_in_bytes":9286872,"duration_in_seconds":1183}]},{"id":"ce81a70c-1287-4e2c-b149-27cbb3e11522","title":"Episode 171: Realities of Rent-to-Rent","url":"https://www.thebusinessofproperty.com/171","content_text":"Stuart and Simon are talking about some of the realities of rent-to-rent, as Stuart is bringing new leased properties into his portfolio.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe discussion this week includes:\n\n\nGrowing without buying.\nEnergy costs up by another 20%.\nBeing less capital intensive.\nWhy are landlords choosing to exit from (managing) their properties?\nStuart's current experience of onboarding rent-to-rent properties.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon are talking about some of the realities of rent-to-rent, as Stuart is bringing new leased properties into his portfolio.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe discussion this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon are talking about some of the realities of rent-to-rent, as Stuart is bringing new leased properties into his portfolio.","date_published":"2023-03-08T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/ce81a70c-1287-4e2c-b149-27cbb3e11522.mp3","mime_type":"audio/mpeg","size_in_bytes":13340016,"duration_in_seconds":1626}]},{"id":"8c9c373d-f26e-48ed-bb82-6af882aac961","title":"Episode 170: Why would anyone buy property this year?","url":"https://www.thebusinessofproperty.com/170","content_text":"Simon and Stuart are asking the question \"Why would anyone buy property this year?\" based on the recent market forecast from Lloyds Bank and the latest PaTMa market data.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe chat this week includes:\n\n\nhttps://twitter.com/HousePriceMania/status/1628822096045305856\nhttps://www.estateagenttoday.co.uk/breaking-news/2023/2/major-lender-warns-of-25-house-price-drop-in-downside-scenario\nWhy would anyone buy property this year?\n\"We could all be Chicken Little's\"\nReviewing the latest property market data from PaTMa.\nInvesting for the long term.\nChoosing a market with smaller oscillations.\nProperty sales take a long time (there is a long lag in property data).\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart are asking the question "Why would anyone buy property this year?" based on the recent market forecast from Lloyds Bank and the latest PaTMa market data.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe chat this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart are asking the question \"Why would anyone buy property this year?\" based on the recent market forecast from Lloyds Bank and the latest PaTMa market data.","date_published":"2023-03-01T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/8c9c373d-f26e-48ed-bb82-6af882aac961.mp3","mime_type":"audio/mpeg","size_in_bytes":12407472,"duration_in_seconds":1581}]},{"id":"00dd88bc-08fe-494f-8e91-74c9648b6099","title":"Episode 169: Should you buy an HMO?","url":"https://www.thebusinessofproperty.com/169","content_text":"Stuart and Simon are talking about things to consider before making the jump to HMO investing (especially if coming from a BTL background).\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe discussion this week includes:\n\n\nThinking about HMOs instead of BTLs.\nHMOs are more noisy.\nLocations for HMOs.\nBuy existing or convert.\nTo en-suite or not.\nLicensing (and maybe planning).\nExtra HMO compliance.\nHMO running costs.\nCleaner spies!\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon are talking about things to consider before making the jump to HMO investing (especially if coming from a BTL background).
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe discussion this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon are talking about things to consider before making the jump to HMO investing (especially if coming from a BTL background).","date_published":"2023-02-22T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/00dd88bc-08fe-494f-8e91-74c9648b6099.mp3","mime_type":"audio/mpeg","size_in_bytes":14423880,"duration_in_seconds":1831}]},{"id":"6af01929-9930-47e2-84db-d2d81752b91d","title":"Episode 168: Mortgages: latest rates & updates","url":"https://www.thebusinessofproperty.com/168","content_text":"We're joined by our mortgage expert to discuss the gradually stabilising mortgage market. Including our popular quick-fire round with the latest available mortgage interest rates.\n\n(This podcast is not advice, available rates vary by situation, always seek professional advice.)\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe chat this week includes:\n\n\nSpecial guest - Mortgage broker Simon Glastonbury.\nHave mortgage rates peaked?\nWhat should you be doing about a pending rate expiry?\nAre trackers still an attractive option?\nHow has stress testing changed and what does it mean for loan to values?\nWhat's going on with 3% mortgage fees?\nQuick fire current mortgage rates - home buyer, BTL and HMO.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.Special Guest: Simon Glastonbury.","content_html":"We're joined by our mortgage expert to discuss the gradually stabilising mortgage market. Including our popular quick-fire round with the latest available mortgage interest rates.
\n\n(This podcast is not advice, available rates vary by situation, always seek professional advice.)
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe chat this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
Special Guest: Simon Glastonbury.
","summary":"We're joined by our mortgage expert to discuss the gradually stabilising mortgage market. Including our popular quick-fire round with the latest available mortgage interest rates.","date_published":"2023-02-15T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/6af01929-9930-47e2-84db-d2d81752b91d.mp3","mime_type":"audio/mpeg","size_in_bytes":14997000,"duration_in_seconds":1926}]},{"id":"a6da727e-3e48-40cf-b305-da82a2a73772","title":"Episode 167: Limited company vs Section 24","url":"https://www.thebusinessofproperty.com/167","content_text":"Simon and Stuart are extending their conversation from last week around the financial effects on buy-to-let owners of changing mortgage interest rates - this time taking a look from a limited company point of view.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe discussion this week includes:\n\n\nBank of England base rate goes up.\nGood news on mortgage interest rates.\nOur effects of Section 24 and mortgage rates episode from last week.\nImagining our re-mortgage scenarios from last week, in a limited company.\nComparing personal name property tax to limited company tax.\n...including dividend tax when extracting profits from a limited company.\nLimited company tax spreadsheet: https://docs.google.com/spreadsheets/d/1UFtjeOAtpgqAZlaPyevfysVM600eJsSmc76UBUIgOkc/edit?usp=sharing\nFalling HMO numbers: https://www.lettingagenttoday.co.uk/breaking-news/2023/2/hmo-numbers-falling-despite-need-for-more-rental-properties\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart are extending their conversation from last week around the financial effects on buy-to-let owners of changing mortgage interest rates - this time taking a look from a limited company point of view.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe discussion this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart are extending their conversation from last week around the financial effects on buy-to-let owners of changing mortgage interest rates - this time taking a look from a limited company point of view.","date_published":"2023-02-08T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/a6da727e-3e48-40cf-b305-da82a2a73772.mp3","mime_type":"audio/mpeg","size_in_bytes":11422392,"duration_in_seconds":1441}]},{"id":"3814d03f-7161-4ccd-8b55-24cf7f456aef","title":"Episode 166: 101% tax - Section 24 in action","url":"https://www.thebusinessofproperty.com/166","content_text":"Stuart and Simon are using the very real situation one of their BTL properties is in - to illustrate the dangers of rising mortgage interest rates combining with Section 24 tax.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe chat this week includes:\n\n\nThe very real impact of higher mortgage rates and Section 24 combining...\n\n\nSimon's figures: https://docs.google.com/spreadsheets/d/1-Hd6Ooom9jfIVUEtacsgxSQ9PSDwT5fGOBAaQXcYBME/edit?usp=sharing\nOver 50% tax rate\n101% tax rate!\n\nStuart's \"interesting\" commercial property financing.\nDriving landlords out of the (BTL) market.\nWill things shift enough to really help many new buyers?\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon are using the very real situation one of their BTL properties is in - to illustrate the dangers of rising mortgage interest rates combining with Section 24 tax.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe chat this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon are using the very real situation one of their BTL properties is in - to illustrate the dangers of rising mortgage interest rates combining with Section 24 tax.","date_published":"2023-02-01T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/3814d03f-7161-4ccd-8b55-24cf7f456aef.mp3","mime_type":"audio/mpeg","size_in_bytes":11915160,"duration_in_seconds":1433}]},{"id":"d08bbef3-7aa1-4b65-a61e-fb476d126121","title":"Episode 165: Stuart confronts Simon's 2023 predictions","url":"https://www.thebusinessofproperty.com/165","content_text":"Simon thinks it might be \"fun\" to make some property predictions for 2023 - listen in and get in touch to let us know if you agree!\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe discussion this week includes:\n\n\nDo not base your financial future on our \"for fun\" predictions!\nNo prediction spoilers - you'll have to listen for our thoughts on:\n\n\nBank of England base rate.\nMortgage rates.\nProperty prices.\n\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon thinks it might be "fun" to make some property predictions for 2023 - listen in and get in touch to let us know if you agree!
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe discussion this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon thinks it might be \"fun\" to make some property predictions for 2023 - listen in and get in touch to let us know if you agree!","date_published":"2023-01-25T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/d08bbef3-7aa1-4b65-a61e-fb476d126121.mp3","mime_type":"audio/mpeg","size_in_bytes":10074048,"duration_in_seconds":1279}]},{"id":"525966af-c13b-4dd6-8505-30b118e13a67","title":"Episode 164: Prices down & long time listings!","url":"https://www.thebusinessofproperty.com/164","content_text":"This week is all about how the property market is starting 2023, Simon and Stuart talk about prices, time to sell, mortgages and more.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe chat this week includes:\n\n\nHighest boxing day listings!\nHow house prices have started the new year.\n80 days to sell.\nA buyers/investors market.\n...or is it - mortgages!\nConsidering areas.\nProperty sourcers/sourcing.\nBMV in a falling market.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"This week is all about how the property market is starting 2023, Simon and Stuart talk about prices, time to sell, mortgages and more.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe chat this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"This week is all about how the property market is starting 2023, Simon and Stuart talk about prices, time to sell, mortgages and more.","date_published":"2023-01-18T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/525966af-c13b-4dd6-8505-30b118e13a67.mp3","mime_type":"audio/mpeg","size_in_bytes":11864688,"duration_in_seconds":1512}]},{"id":"8926ac75-31b7-4aeb-a94d-e578cdc4abb8","title":"Episode 163: Is your property running as a business?","url":"https://www.thebusinessofproperty.com/163","content_text":"Stuart and Simon are talking about some of the key finances in all property businesses - rents and agent fees. Plus still thinking about cash flow and how other major expenses breakdown.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe discussion this week includes:\n\n\nDo you have a forecast profit figure for the year ahead?\nEBITDA.\nFinding the current market rent (with PaTMa).\nLetting agent fees.\nCash flow forecasting.\nHeadline breakdown of Stuart's property business expenses.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon are talking about some of the key finances in all property businesses - rents and agent fees. Plus still thinking about cash flow and how other major expenses breakdown.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe discussion this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon are talking about some of the key finances in all property businesses - rents and agent fees. Plus still thinking about cash flow and how other major expenses breakdown.","date_published":"2023-01-11T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/8926ac75-31b7-4aeb-a94d-e578cdc4abb8.mp3","mime_type":"audio/mpeg","size_in_bytes":11963328,"duration_in_seconds":1514}]},{"id":"ce38b21d-b1bb-45c3-8478-ce2c53c9d207","title":"Episode 162: Surviving property investment in 2023","url":"https://www.thebusinessofproperty.com/162","content_text":"Starting 2023, Simon and Stuart are thinking about how to be prepared for some of the potential headwinds facing landlords.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe chat this week includes:\n\n\nWelcome to 2023!\nCash flow.\nMortgage finance costs.\nTrack your fixed rate mortgage dates - use a calendar, spreadsheet, or PaTMa.\nTalk to a mortgage broker early.\nEnergy costs.\nSolar panels on rented property.\nSmart meters.\nGoing beyond EPC.\nConsidering pre-EPC assessments.\nTax.\nChanges to Making Tax Digital (MTD).\nSection 24 tax - try the PaTMa quick calculator.\nSpeak to your/an accountant.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Starting 2023, Simon and Stuart are thinking about how to be prepared for some of the potential headwinds facing landlords.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe chat this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Starting 2023, Simon and Stuart are thinking about how to be prepared for some of the potential headwinds for landlords.","date_published":"2023-01-04T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/ce38b21d-b1bb-45c3-8478-ce2c53c9d207.mp3","mime_type":"audio/mpeg","size_in_bytes":14642520,"duration_in_seconds":1856}]},{"id":"137cda18-042a-4f47-962b-2ca5dc3b000b","title":"Episode 161: Our Words of the Year 2022","url":"https://www.thebusinessofproperty.com/161","content_text":"To review the eventful year of 2022, Stuart and Simon each choose a word to encapsulate their property journey!\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe discussion this week includes:\n\n\nOur words of 2022.\nWhat went well in 2022.\nBiggest learnings from 2022.\nConsidering our words for 2023.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"To review the eventful year of 2022, Stuart and Simon each choose a word to encapsulate their property journey!
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe discussion this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"To review the eventful year of 2022, Stuart and Simon each choose a word to encapsulate their property journey!","date_published":"2022-12-28T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/137cda18-042a-4f47-962b-2ca5dc3b000b.mp3","mime_type":"audio/mpeg","size_in_bytes":12190992,"duration_in_seconds":1545}]},{"id":"15c5b9a8-75fe-46f6-966a-fc4a4552ebf1","title":"Episode 160: Managing our property refurbishments and 'building' relationships","url":"https://www.thebusinessofproperty.com/160","content_text":"Simon and Stuart both have refurbishment projects in progress at the moment and are chatting about how they're getting them started.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe chat this week includes:\n\n\nTwo refurbishment projects.\nBuilder planning months in advance.\nVs slightly later planning!\nThe story so far on Simon's refurb.\nPlanning refurbs in spreadsheets.\nBuilding relationships with builders.\nDefining \"good\" - with your own language.\nThe quality of toilet seats.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart both have refurbishment projects in progress at the moment and are chatting about how they're getting them started.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe chat this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart both have refurbishment projects in progress at the moment and are chatting about how they're getting them started.","date_published":"2022-12-21T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/15c5b9a8-75fe-46f6-966a-fc4a4552ebf1.mp3","mime_type":"audio/mpeg","size_in_bytes":14228904,"duration_in_seconds":1745}]},{"id":"9aec44c9-9b06-4aa7-a6fd-5a11105b04b5","title":"Episode 159: Should we be concerned about rents dropping and are we dropping our prices?","url":"https://www.thebusinessofproperty.com/159","content_text":"Stuart and Simon are chatting about movements in the rental market, and managing the process of changing rents for existing tenancies.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe discussion this week includes:\n\n\n\"The press\" are always a bit behind what's actually happening in the rental market.\nRents are currently a bit down - rental data from PaTMa.\nJanuary will be a better measure.\nIncreasing rent to help tenants stay adjusted!\nInclusive energy caps.\nFrom rent forgiveness to rent increases for survival, in just two years.\nPractical issues with rent caps in shared houses.\nHoping tenants will take responsibility.\nInspire heating controls.\nIncreasing rents across an entire HMO portfolio.\n\"Some may argue with their feet.\"\nSimon's planned increases.\nThe process of increasing a BTL rent.\nThe opposite of evil landlords!\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon are chatting about movements in the rental market, and managing the process of changing rents for existing tenancies.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe discussion this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon are chatting about movements in the rental market, and managing the process of changing rents for existing tenancies.","date_published":"2022-12-14T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/9aec44c9-9b06-4aa7-a6fd-5a11105b04b5.mp3","mime_type":"audio/mpeg","size_in_bytes":14653392,"duration_in_seconds":1748}]},{"id":"9e50078f-3372-4281-9439-13c3beb6ad9e","title":"Episode 158: Property vs Crypto vs Shares - update on our other investments","url":"https://www.thebusinessofproperty.com/158","content_text":"Simon and Stuart are talking about their real life investment returns - comparing across crypto, stocks and shares, and of course property.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe chat this week includes:\n\n\nComparing returns across asset classes in our investment portfolios.\nCrypto investments.\nStocks and shares.\nProperty capital gains.\nRemember rental income too.\nInflation is making prices the new normal.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart are talking about their real life investment returns - comparing across crypto, stocks and shares, and of course property.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe chat this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart are talking about their real life investment returns - comparing across crypto, stocks and shares, and of course property.","date_published":"2022-12-07T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/9e50078f-3372-4281-9439-13c3beb6ad9e.mp3","mime_type":"audio/mpeg","size_in_bytes":10844497,"duration_in_seconds":1410}]},{"id":"dc807982-6335-45fd-8cf4-abb37388fbeb","title":"Episode 157: Reviewing Simon’s potential property investments","url":"https://www.thebusinessofproperty.com/157","content_text":"Stuart and Simon chat about two identical, but differently priced, properties that Simon has been looking at as potential buy to let investments.\n\nJoin our email newsletter for extra, exclusive resources.\n\nThe discussion this week includes:\n\n\nProperty twins!\n350k property.\n400k property.\nThe market is a bit confused at the moment.\nRightmove price history with PaTMa.\nA big brick wall.\nComparing the required investment and ROI (thanks to PaTMa calculations).\nKnocking 100k off your buying criteria.\nPausing more than adjusting.\nReducing portfolio leverage.\nJanuary will be interesting - will the normal seasonal uplift happen?\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon chat about two identical, but differently priced, properties that Simon has been looking at as potential buy to let investments.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nThe discussion this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon chat about two identical, but differently priced, properties that Simon has been looking at as potential buy to let investments.","date_published":"2022-11-30T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/dc807982-6335-45fd-8cf4-abb37388fbeb.mp3","mime_type":"audio/mpeg","size_in_bytes":12001165,"duration_in_seconds":1575}]},{"id":"a9b86b66-ec3b-47bd-a244-10db7c9dcbe8","title":"Episode 156: Living intentionally: changing our actions to meet goals","url":"https://www.thebusinessofproperty.com/156","content_text":"Simon and Stuart are talking about some of the actions they choose to take to live intentionally and make personal improvements.\n\nThe chat this week includes:\n\n\nLooking at organising our time.\nSimon's a night owl.\nStuart's a morning lark.\nMaking the most of our mornings.\nChoosing to fit things in.\nWorking around children.\nAvoiding duplicate actions to streamline our days.\nThe challenge of getting up.\nThe One Thing.\nCreating a habit (in 66 days).\nAlarm clock to force you up.\nHabits are real.\nHabit stacking.\nHow do you structure your days/time?\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart are talking about some of the actions they choose to take to live intentionally and make personal improvements.
\n\nThe chat this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart are talking about some of the actions they choose to take to live intentionally and make personal improvements.","date_published":"2022-11-23T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/a9b86b66-ec3b-47bd-a244-10db7c9dcbe8.mp3","mime_type":"audio/mpeg","size_in_bytes":11899536,"duration_in_seconds":1487}]},{"id":"d002c99e-a38a-4502-b922-e3fa16f8a8ed","title":"Episode 155: Time to start negotiating on your next property purchase!","url":"https://www.thebusinessofproperty.com/155","content_text":"Stuart and Simon are chatting about the rapidly changing property market. They speculate a little on what the future may hold and how you can approach it.\n\nThe discussion this week includes:\n\n\nA more rapidly changing market?\nAuction reductions email.\nIs the current \"price vs interest rate\" situation an historic anomoly?\nSavings account vs property investment.\nMaking offers slowly.\nAuction guide (and hence reserve) prices being reduced en masse.\nDrastically reduced sale rates for some auctions.\nEIG newsletter.\n50% of UK mortgages on a higher rate by the end of 2023.\nWill there be a mortgage apocalypse?\nProperty investments might look a bit different at the moment, but they can still work.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon are chatting about the rapidly changing property market. They speculate a little on what the future may hold and how you can approach it.
\n\nThe discussion this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon are chatting about the rapidly changing property market. They speculate a little on what the future may hold and how you can approach it.","date_published":"2022-11-16T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/d002c99e-a38a-4502-b922-e3fa16f8a8ed.mp3","mime_type":"audio/mpeg","size_in_bytes":13646808,"duration_in_seconds":1694}]},{"id":"bc56dee8-bf18-43cd-ab83-15e84951cb1b","title":"Episode 154: Tanning salons, smelly houses & a 27 bed property - investment update time!","url":"https://www.thebusinessofproperty.com/154","content_text":"Simon and Stuart are talking about their latest investments and potential investments. Including some things not going as planned and deciding against buildings with potential.\n\nThe chat this week includes:\n\n\nOur property business updates!\nUnused space above a tanning studio.\n\n\nOur previous intro to this property.\n\nConsidering access.\nCompleting on a smelly house.\nSubscribe to our email newsletter for photos (soon).\nSellers don't always clean on the way out.\nFun surprises (really) looking around after completion.\nBroken windows.\nProperty information forms.\nInvestigating a 27-bed property.\nIncreasing (student) rent with lower room rates!\nLooking at funding for larger projects.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart are talking about their latest investments and potential investments. Including some things not going as planned and deciding against buildings with potential.
\n\nThe chat this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart are talking about their latest investments and potential investments. Including some things not going as planned and deciding against buildings with potential.","date_published":"2022-11-09T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/bc56dee8-bf18-43cd-ab83-15e84951cb1b.mp3","mime_type":"audio/mpeg","size_in_bytes":11968008,"duration_in_seconds":1504}]},{"id":"fb2d4ef9-1081-4878-9e32-c347ae041dbd","title":"Episode 153: Property asking prices are reducing, time to invest?","url":"https://www.thebusinessofproperty.com/153","content_text":"Stuart and Simon have a discussion around where the property market is at the moment - use the latest market data from PaTMa.\n\nThe discussion this week includes:\n\n\nSubscribe to our email newsletter.\nWeekly property market data from PaTMa.\nThe changing number of asking price reductions (now the highest in two years).\nInitial listing prices (mostly) holding steady.\n1-bed price changes over two years - flats vs houses.\nFall-through spike just after the mini-budget.\nSimon's purchase has completed.\nPrice/value changes between offer and completion.\nA good positive sign from a buying perspective.\nGetting excited about new property listings!\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nJoin our email newsletter for extra, exclusive resources.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon have a discussion around where the property market is at the moment - use the latest market data from PaTMa.
\n\nThe discussion this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nJoin our email newsletter for extra, exclusive resources.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon have a discussion around where the property market is at the moment - use the latest market data from PaTMa.","date_published":"2022-11-02T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/fb2d4ef9-1081-4878-9e32-c347ae041dbd.mp3","mime_type":"audio/mpeg","size_in_bytes":12171936,"duration_in_seconds":1500}]},{"id":"c08b8a33-f600-4315-9e24-ae7ed5d11ae3","title":"Episode 152: Tracker vs fixed, 20 year property investment analysis","url":"https://www.thebusinessofproperty.com/152","content_text":"Simon and Stuart are talking about the new (much higher) mortgage stress test rates and their real world effect. Plus a real-world analysis of a tracker vs fixed mortgage rates over the last 20 years.\n\nThe chat this week includes:\n\n\nLast weeks episode on mortgage rates.\nTry out the new stress rates using the PaTMa buy-to-let profit calculator.\nDon't miss fixed rate mortgage expiry dates with Property Manager.\nThe scary new stress test rates - and how they look in practice.\n\n\nStuart's studio flat now (including below market rent).\nIf purchasing without a mortgage (and with market rent).\n\nGetGround research.\nCash buying for higher ROI.\nComparing the cost of a (real) tracker mortgage vs fixed rate mortgage(s) over the last 20 years.\nBank of England base rate history.\nHistoric fixed mortgage rates from Statista.\nRecent fixed mortgage rate data from the Bank of England.\nSimon's tracker vs fixed analysis spreadsheet.\nSaving £56,000 over 20 years!\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart are talking about the new (much higher) mortgage stress test rates and their real world effect. Plus a real-world analysis of a tracker vs fixed mortgage rates over the last 20 years.
\n\nThe chat this week includes:
\n\nSubscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart are talking about the new (much higher) mortgage stress test rates and their real world effect. Plus a real-world analysis of a tracker vs fixed mortgage rates over the last 20 years.","date_published":"2022-10-26T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/c08b8a33-f600-4315-9e24-ae7ed5d11ae3.mp3","mime_type":"audio/mpeg","size_in_bytes":13571736,"duration_in_seconds":1621}]},{"id":"f8232828-43e0-44ac-9c79-ab4d719d03b7","title":"Episode 151: Mortgage rates for property investing right now","url":"https://www.thebusinessofproperty.com/151","content_text":"We're delighted to be joined by our mortgage expert to discuss the rapidly changing mortgage market of the last few weeks. Including updated stress test rates and the latest available mortgage interest rates.\n\nThe discussion this week includes:\n\n\nSpecial guest - Mortgage broker Simon Glastonbury.\nRecent mortgage market adventures.\nChanges in mortgage products.\nChanges in mortgage fees.\nReduced number of mortgage products.\nUpdated mortgage stress test rates.\nKnock on effects to property prices.\nCurrently available mortgage rates.\nMortgage interest rates 20 years ago.\nRe-mortgage stress tests.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.Special Guest: Simon Glastonbury.","content_html":"We're delighted to be joined by our mortgage expert to discuss the rapidly changing mortgage market of the last few weeks. Including updated stress test rates and the latest available mortgage interest rates.
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
Special Guest: Simon Glastonbury.
","summary":"We're delighted to be joined by our mortgage expert to discuss the rapidly changing mortgage market of the last few weeks. Including updated stress test rates and the latest available mortgage interest rates.","date_published":"2022-10-19T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/f8232828-43e0-44ac-9c79-ab4d719d03b7.mp3","mime_type":"audio/mpeg","size_in_bytes":18166032,"duration_in_seconds":2354}]},{"id":"6c93d085-3522-4fb9-ae94-ba4b461c6a3d","title":"Episode 150: Dealing with Nil Valuations in property investing","url":"https://www.thebusinessofproperty.com/150","content_text":"What can you do when your mortgage valuation comes back as \"nil\"? Stuart and Simon are talking about that exact situation and how Stuart is handling it. Plus more updates from Stuart's property business, including missing stairs and a fireman's pole!\n\nThe chat this week includes:\n\n\nValuations.\nMortgage application.\nSimon's purchase.\nNil valuation saga.\nLenders just don't want to lend?\nCash buying for a discount.\nConsidering commercial.\nNo stairs!\nFireman poles and spiral slides!\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"What can you do when your mortgage valuation comes back as "nil"? Stuart and Simon are talking about that exact situation and how Stuart is handling it. Plus more updates from Stuart's property business, including missing stairs and a fireman's pole!
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"What can you do when your mortgage valuation comes back as \"nil\"? Stuart and Simon are talking about that exact situation and how Stuart is handling it. Plus more updates from Stuart's property business, including missing stairs and a fireman's pole!","date_published":"2022-10-12T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/6c93d085-3522-4fb9-ae94-ba4b461c6a3d.mp3","mime_type":"audio/mpeg","size_in_bytes":11124552,"duration_in_seconds":1391}]},{"id":"3d6202a0-5732-4af5-afff-8233250865a9","title":"Episode 149: Disappearing mortgages and price reductions!","url":"https://www.thebusinessofproperty.com/149","content_text":"Simon and Stuart are talking about their experiences and evidence of the (rapidly) changing property market.\n\nThe discussion this week includes:\n\n\nDie Hard.\nNothing to talk about!\nThe great mortgage disappearance.\nChanges to buying decisions.\nChanges to our buying outlook.\nWhat is Return on Investment (ROI).\nMortgage interest set to triple.\nStats from the property market:\n\n\nExample property market price reduction graph from PaTMa.\n70% more property reductions in September 2022 vs September 2021.\nAround 3,000 properties being reduced per day (end of September 2022).\n\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart are talking about their experiences and evidence of the (rapidly) changing property market.
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart are talking about their experiences and evidence of the (rapidly) changing property market.","date_published":"2022-10-05T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/3d6202a0-5732-4af5-afff-8233250865a9.mp3","mime_type":"audio/mpeg","size_in_bytes":11345136,"duration_in_seconds":1418}]},{"id":"30b2e276-a348-4cc4-a064-7acf932a356e","title":"Episode 148: What we're thinking before our next investment","url":"https://www.thebusinessofproperty.com/148","content_text":"Stuart and Simon are chatting about the rapidly changing world of property regulation, and other circumstances, before their next investment purchases.\n\nThe chat this week includes:\n\n\nApproaching the changing property investment world.\nEPC considerations and opportunities.\nThinking about the future of parking needs (EV charging).\nChoosing property because you like it.\nRoof directions!\nWaiting for (EPC) deadlines.\nHometrack report.\nRent freezes (in Scotland).\nDoubling down on the numbers.\nInteresting (fantasy) properties with potential.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon are chatting about the rapidly changing world of property regulation, and other circumstances, before their next investment purchases.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon are chatting about the rapidly changing world of property regulation, and other circumstances, before their next investment purchases.","date_published":"2022-09-28T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/30b2e276-a348-4cc4-a064-7acf932a356e.mp3","mime_type":"audio/mpeg","size_in_bytes":9261720,"duration_in_seconds":1153}]},{"id":"637b3d2f-7760-43a8-ba72-87de6f8efd22","title":"Episode 147: Mortgage market update September 2022","url":"https://www.thebusinessofproperty.com/147","content_text":"Simon and Stuart are talking mortgages and current rates with our resident broker!\n\n(This podcast is not advice, available rates vary by situation, always seek professional advice.)\n\nThe discussion this week includes:\n\n\nSpecial guest - Mortgage broker Simon Glastonbury.\nThe mortgage rate landscape.\nLender service levels.\nOnline systems.\nRates vs service.\nTracker vs fixed mortgage rates.\nLive(!) tracker rate look-up.\nQuick fire mortgage rates.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.Special Guest: Simon Glastonbury.","content_html":"Simon and Stuart are talking mortgages and current rates with our resident broker!
\n\n(This podcast is not advice, available rates vary by situation, always seek professional advice.)
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
Special Guest: Simon Glastonbury.
","summary":"Simon and Stuart are talking mortgages and current rates with our resident broker!\r\n\r\n(This podcast is not advice, available rates vary by situation, always seek professional advice.)","date_published":"2022-09-21T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/637b3d2f-7760-43a8-ba72-87de6f8efd22.mp3","mime_type":"audio/mpeg","size_in_bytes":15209616,"duration_in_seconds":2136}]},{"id":"a8e7270f-2f42-45ae-a66f-d0b9cbe80dea","title":"Episode 146: Property cash flow issues","url":"https://www.thebusinessofproperty.com/146","content_text":"Stuart and Simon are chatting about cash flow issues - where they've come from and what might happen next.\n\nPlease note - this episode was recorded before the government announced the utility price cap!\n\nThe chat this week includes:\n\n\nCash flow!\nUtility costs...\n...and student lets.\n...and splitting costs between tenants.\n...individual room metering.\n(Re)mortgage issues and SVR.\nSimon Glastonbury mortgage broker episode.\nGet your re-mortgage applications started early!\nUtility costs affecting project planning.\nIncreasing HMO room rates?\nHMO properties being emptied and sold.\nFind us on Twitter, YouTube or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon are chatting about cash flow issues - where they've come from and what might happen next.
\n\nPlease note - this episode was recorded before the government announced the utility price cap!
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon are chatting about cash flow issues - where they've come from and what might happen next.\r\n\r\nPlease note - this episode was recorded before the government announced the utility price cap!","date_published":"2022-09-14T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/a8e7270f-2f42-45ae-a66f-d0b9cbe80dea.mp3","mime_type":"audio/mpeg","size_in_bytes":13367088,"duration_in_seconds":1672}]},{"id":"f607ac9b-f623-42a4-8f83-b4c21247060a","title":"Episode 145: Our updates - mortgages, mortgages, mortgages","url":"https://www.thebusinessofproperty.com/145","content_text":"Having snuck away for breaks, Simon and Stuart are back and catching up on what's been happening in their property businesses.\n\nThe discussion this week includes:\n\n\nRemortgaging.\nEPCs.\nValuations.\nMortgage companies trying to increase rents.\nTiming.\nRapidly changing mortgage options.\nBooks (Amazon affiliate links):\n\n\nSmall Business Cash Flow\nXero to One\nWhere The Crawdads Sign\n\nThe Business of Property on YouTube.\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Having snuck away for breaks, Simon and Stuart are back and catching up on what's been happening in their property businesses.
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Having snuck away for breaks, Simon and Stuart are back and catching up on what's been happening in their property businesses.","date_published":"2022-09-07T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/f607ac9b-f623-42a4-8f83-b4c21247060a.mp3","mime_type":"audio/mpeg","size_in_bytes":11749104,"duration_in_seconds":1402}]},{"id":"82c0cefe-c310-47e6-bf00-7ed8c6631c06","title":"Episode 144: Plan the work, work the plan!","url":"https://www.thebusinessofproperty.com/144","content_text":"This week Stuart and Simon are talking about making plans, from goals, then executing on those plans and what is actually involved.\n\nThe chat this week includes:\n\n\nGet rich quick, prepare to be bored!\nFollowing on from why.\nDefining your goals carefully.\n\"Clarity is key\".\nHow.\nConsider what's possible when setting goals.\nTalk to other people in property.\n\"A wonderful tool like PaTMa\" to give really good insight into average rental rates.\nProperty wont make you rich in 6-12 months.\nOur \"replacing your salary\" series, complete with time considerations:\n\n\nReplacing your salary with rent-to-rent\nReplacing your salary with an HMO portfolio\nReplacing your salary with a buy to let portfolio\nReplacing your salary with serviced accommodation\n\nSorry about the school holiday background noises!\nMaking a plan.\nIdentifying where you are.\nUsing a plan to stay focused.\n\"Inch wide, mile deep\".\nYou can't create relationships overnight.\nIt takes time to make progress, have a plan to make progress in the right direction.\n\"We're not all destined to build hotels on Mars\".\nCreate a plan, work your plan, and create a life you want.\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"This week Stuart and Simon are talking about making plans, from goals, then executing on those plans and what is actually involved.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"This week Stuart and Simon are talking about making plans, from goals, then executing on those plans and what is actually involved.","date_published":"2022-08-31T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/82c0cefe-c310-47e6-bf00-7ed8c6631c06.mp3","mime_type":"audio/mpeg","size_in_bytes":13422624,"duration_in_seconds":1757}]},{"id":"17c6c08f-fa9f-4bb2-ad0c-2dad395a066d","title":"Episode 143: WHY are any of us investing in property?","url":"https://www.thebusinessofproperty.com/143","content_text":"Simon and Stuart are chatting about whys, goals, plans, pensions, and budgets!\n\nThe discussion this week includes:\n\n\nOur goals when we started in property.\nProperty income as an income to live off.\nPlan better than we did!\nThinking out to a pension.\nConsider cutting back to make goals easier.\nWhat does/would your \"good life\" look like?\nWe previously talked about pension pot sizes.\nChoosing not to save in a traditional pension plan.\nStuart's financial freedom steps:\n\n\nFinancial security.\nFinancial independence.\nFinancial freedom.\n\nFive \"why\"s.\nWorking from base, personal, goals.\nTaking the time to minimise personal outgoings.\nYou Need a Budget - online tool and book.\nMaintaining a regular household budget.\nIntroducing children to a household budget.\nYou can find us on on YouTube.\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart are chatting about whys, goals, plans, pensions, and budgets!
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart are chatting about whys, goals, plans, pensions, and budgets!","date_published":"2022-08-24T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/17c6c08f-fa9f-4bb2-ad0c-2dad395a066d.mp3","mime_type":"audio/mpeg","size_in_bytes":12054408,"duration_in_seconds":1565}]},{"id":"15f681ae-cc5e-4490-aaf0-26c055c8f1ca","title":"Episode 142: Reality of the buying process","url":"https://www.thebusinessofproperty.com/142","content_text":"This week Stuart and Simon are talking through the purchase process - what are the steps and what do you need to do to be prepared and make it through the process smoothly.\n\nThe chat this week includes:\n\n\nThe process and paperwork when buying a property.\nOffer accepted!\nAnti Money Laundering (AML) checks - with agent and perhaps others.\nProof of funds.\n(Maybe) company bank account - ID and proof of funds (again).\nEngage solicitor - check prices.\nSales memorandum, shared with all parties including solicitors.\nGet a mortgage (offer).\n(Maybe) Pay admin fee, valuation fee, and others for your mortgage.\nProperty schedule - a spreadsheet of your current portfolio.\nWait for / help valuation to take place.\nBusiness plan.\nHMO licence and planning approval.\nLast 2-3 tax returns - or at least calculations.\nEvidence of recent rent receipts.\nStart/request the searches - a fee to your solicitor.\nFixtures and fittings report.\nTitle plan and deed (with any covenants).\nAll the search results, queries and answers.\nDraft sales contract.\nSign the contract.\nMove money (deposit).\nArrange buildings insurance (starting from exchange).\nExchange!\nMove more money including mortgage money.\nComplete!\nCollect the keys.\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"This week Stuart and Simon are talking through the purchase process - what are the steps and what do you need to do to be prepared and make it through the process smoothly.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"This week Stuart and Simon are talking through the purchase process - what are the steps and what do you need to do to be prepared and make it through the process smoothly.","date_published":"2022-08-17T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/15f681ae-cc5e-4490-aaf0-26c055c8f1ca.mp3","mime_type":"audio/mpeg","size_in_bytes":16374720,"duration_in_seconds":2129}]},{"id":"aeb5e77a-917d-4cb4-9e1f-1801ee8b8254","title":"Episode 141: It's the numbers IN the properties!","url":"https://www.thebusinessofproperty.com/141","content_text":"Simon and Stuart chat about the true meaning and value of an often quoted property metric.\n\nThe discussion this week includes:\n\n\nThe number of properties.\nPoor Ben.\nRegional price variation.\nJudging business complexity.\nCounting bedrooms in single lets.\nDiffering rental markets by bedrooms.\nUsing Companies House for research.\nA better vanity metric for parties?\nYou can find us on on YouTube.\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart chat about the true meaning and value of an often quoted property metric.
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart chat about the true meaning and value of an often quoted property metric.","date_published":"2022-08-10T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/aeb5e77a-917d-4cb4-9e1f-1801ee8b8254.mp3","mime_type":"audio/mpeg","size_in_bytes":9686664,"duration_in_seconds":1244}]},{"id":"b8cd9641-46de-4693-b255-9a7026512278","title":"Episode 140: Buying property in a limited company","url":"https://www.thebusinessofproperty.com/140","content_text":"Stuart and Simon are talking about Simon's decision to buy his next property in a limited company, along with getting that process started and what else he can expect.\n\nThe chat this week includes:\n\n\nOur previous chat about buying limited or not.\nWhy Simon has chosen the limited company route.\nMore talk about Section 24.\nSection 24 is very dangerous if interest rates hit 6%+.\nProducing a property portfolio schedule spreadsheet easily with PaTMa.\nConsidering share structure for your limited company.\nAntiquated mortgage requirements.\nSetting up a Starling business bank account.\nBank and mortgage paperwork!\nBusiness plans.\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon are talking about Simon's decision to buy his next property in a limited company, along with getting that process started and what else he can expect.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon are talking about Simon's decision to buy his next property in a limited company, along with getting that process started and what else he can expect.","date_published":"2022-08-03T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/b8cd9641-46de-4693-b255-9a7026512278.mp3","mime_type":"audio/mpeg","size_in_bytes":13223160,"duration_in_seconds":1682}]},{"id":"01171331-db57-4920-b5cc-7139341efe0c","title":"Episode 139: Keys undertaking and heat in the North West","url":"https://www.thebusinessofproperty.com/139","content_text":"Simon and Stuart are chatting about Stuart's experience hunting for HMO investments in the North West, plus buying with a keys undertaking agreement.\n\nThe discussion this week includes:\n\n\nKeys undertaking.\nWhat is structural?\n\"Why would anyone let you do things in their house before you've completed?\"\nConsidering less common finance options.\nChallenges investing in Manchester.\nManchester HMOs (and restrictions).\nStuart helping with property research, analysis, viewing, and planning.\nExamples of 25% annual value increase on Manchester properties.\nDon't be a motivated buyer!\nPaTMa property market updates are showing the market is slowing a little.\nArticle 4 - our previous discussion.\nPaTMa provides licensing and article 4 data across England.\nAdapting to new prices.\nConsidering a planning consultant.\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart are chatting about Stuart's experience hunting for HMO investments in the North West, plus buying with a keys undertaking agreement.
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart are chatting about Stuart's experience hunting for HMO investments in the North West, plus buying with a keys undertaking agreement.","date_published":"2022-07-27T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/01171331-db57-4920-b5cc-7139341efe0c.mp3","mime_type":"audio/mpeg","size_in_bytes":14801472,"duration_in_seconds":1798}]},{"id":"a264fa8d-1a69-4b80-8823-e93aba780844","title":"Episode 138: Maximise income, minimise expense - top tips","url":"https://www.thebusinessofproperty.com/138","content_text":"Stuart and Simon have been reviewing their property business income and expenses. Listen this week for tips on what to consider and improve to maximise your property profit.\n\nThe chat this week includes:\n\n\nReviewing our property businesses.\nIncome > expenses!\nOccupancy.\nMarket rent.\nUsing PaTMa for reminders.\nExpenses.\nRefurbishment.\nMaintenance.\nFixing expenses for consistency.\nMortgage products and fixed rates - PaTMa can remind you.\nPaTMa lets you investigate re-mortgage scenario's on your portfolio, and see CGT (Capital Gains Tax) effects.\nUsing fair-use clauses in tenancies to help mitigate utility bills.\nDon't heat empty houses with Time:o:stat.\nInsurance.\nCar insurance aside - pleasantly surprised by Quote Me Happy renewal.\nFollow up from Stuart's car parts.\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon have been reviewing their property business income and expenses. Listen this week for tips on what to consider and improve to maximise your property profit.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon have been reviewing their property business income and expenses. Listen this week for tips on what to consider and improve to maximise your property profit.","date_published":"2022-07-20T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/a264fa8d-1a69-4b80-8823-e93aba780844.mp3","mime_type":"audio/mpeg","size_in_bytes":13735200,"duration_in_seconds":1705}]},{"id":"7d3d4444-952e-437d-a317-1476b2d06069","title":"Episode 137: Should you worry about the rental reforms?","url":"https://www.thebusinessofproperty.com/137","content_text":"This week Simon and Stuart chat about Section 24 tax and some of the proposed changes in the recent rental reform white paper.\n\nThe discussion this week includes:\n\n\nLast weeks episode.\nSimon has made a decision on how to buy.\nJune's rental reform white paper.\nSection 24 is in full force and will really start to bite with increasing interest rates.\nTest the impact of increasing interest rates with PaTMa's buy-to-let profit calculator.\nMortgage lenders a relaxing their stress testing (but not for BTL).\nLoosing Section 21.\nStrengthening Section 8.\nHow are student lets affected by removing Section 21.\nWhat about students with no fixed/minimum term?\nYou can now find us on on YouTube.\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"This week Simon and Stuart chat about Section 24 tax and some of the proposed changes in the recent rental reform white paper.
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"This week Simon and Stuart chat about Section 24 tax and some of the proposed changes in the recent rental reform white paper.","date_published":"2022-07-13T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/7d3d4444-952e-437d-a317-1476b2d06069.mp3","mime_type":"audio/mpeg","size_in_bytes":13745928,"duration_in_seconds":1719}]},{"id":"d20e75ce-a88a-4fb8-b49c-e307411f245c","title":"Episode 136: Property pension in tatters?","url":"https://www.thebusinessofproperty.com/136","content_text":"After a slightly different start this week, Stuart and Simon dig into some numbers to discuss the use of property as a pension, and the effect of Section 24.\n\nThe chat this week includes:\n\n\nA sad story from Ben.\nDoes/would anyone feel sorry for landlords?\nWhat Ben's portfolio might look like.\nHow much pension do you need to retire?.\nWhat's an average UK pension pot.\nA quick pension income calculator.\nWorking out some rough numbers - we know they aren't very accurate!\nSection 24.\nWhat is retirement, if you own property?\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"After a slightly different start this week, Stuart and Simon dig into some numbers to discuss the use of property as a pension, and the effect of Section 24.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"","date_published":"2022-07-06T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/d20e75ce-a88a-4fb8-b49c-e307411f245c.mp3","mime_type":"audio/mpeg","size_in_bytes":11820312,"duration_in_seconds":1484}]},{"id":"e55df333-1b24-435f-a7cb-6b75598db9a4","title":"Episode 135: To buy or not to buy (in a limited company)","url":"https://www.thebusinessofproperty.com/135","content_text":"Simon and Stuart are chatting about the age old question of limited company vs personal name for buying investment property. Complete with some very real (but do work your own out) estimates from Simon.\n\nThe discussion this week includes:\n\n\nResearch from Get Ground.\n50% of investment properties were bought with a limited company.\n76% considered buying in a limited company would help with inflation. Really!?\nPersonal name vs limited company.\nXero.\nUsing PaTMa Property Manager, with open banking for streamlined bookkeeping.\nExtra costs of borrowing in a limited company, including mortgage interest rates.\nSimon's personal name vs limited company - after tax profit figures.\nWhat are your views on personal name vs limited company buying?\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart are chatting about the age old question of limited company vs personal name for buying investment property. Complete with some very real (but do work your own out) estimates from Simon.
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart are chatting about the age old question of limited company vs personal name for buying investment property. Complete with some very real (but do work your own out) estimates from Simon.","date_published":"2022-06-29T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/e55df333-1b24-435f-a7cb-6b75598db9a4.mp3","mime_type":"audio/mpeg","size_in_bytes":13628376,"duration_in_seconds":1702}]},{"id":"2c54d488-db77-4088-9992-93f7054f02b4","title":"Episode 134: An expert’s view on mortgages right now","url":"https://www.thebusinessofproperty.com/134","content_text":"Stuart and Simon are joined by mortgage expert Simon Glastonbury to share first hand experience of the current mortgage market. Covering challenges, new trends, interest rate forecasts and some quick-fire current interest rates.\n\nThe chat this week includes:\n\n\nSpecial guest - Mortgage broker Simon Glastonbury.\nBank of England base rate has increased again.\nMortgage companies pulling products at short notice.\nService levels in the industry.\nCheck access and reponse times when considering providers.\nRemortgage volume is very high.\nWhy can't mortgage applications be more automated?\nBridging finance is booming.\nDo BBL and CBILS still affect mortgage options.\nWhat might the base rate increase to?\nCurrent interest rates quick-fire!\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.Special Guest: Simon Glastonbury.","content_html":"Stuart and Simon are joined by mortgage expert Simon Glastonbury to share first hand experience of the current mortgage market. Covering challenges, new trends, interest rate forecasts and some quick-fire current interest rates.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
Special Guest: Simon Glastonbury.
","summary":"Stuart and Simon are joined by mortgage expert Simon Glastonbury to share first hand experience of the current mortgage market. Covering challenges, new trends, interest rate forecasts and some quick-fire current interest rates.\r\n","date_published":"2022-06-22T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/2c54d488-db77-4088-9992-93f7054f02b4.mp3","mime_type":"audio/mpeg","size_in_bytes":15151584,"duration_in_seconds":2272}]},{"id":"e405be6c-b065-4909-a084-171111a72cce","title":"Episode 133: Making offers in this tough buying market","url":"https://www.thebusinessofproperty.com/133","content_text":"There are many reasons that buying in a \"hot\" property market can be difficult. Stuart and Simon explore some they've been thinking about and overcoming.\n\nThe discussion this week includes:\n\n\nDirect to Vendor deal is a GO.\nPaper work needed to arrange early access during a purchase.\nCompeting with home buyers.\nPrices feel big.\nPreparing detailed financial forecasts with Property Prospector.\nBeing confident in your calculations to move forwards.\nMitigating uncertainty about hitting a market peak.\nSeeing market trends early with PaTMa's weekly property market stats email.\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"There are many reasons that buying in a "hot" property market can be difficult. Stuart and Simon explore some they've been thinking about and overcoming.
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"There are many reasons that buying in a \"hot\" property market can be difficult. Stuart and Simon explore some they've been thinking about and overcoming.","date_published":"2022-06-15T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/e405be6c-b065-4909-a084-171111a72cce.mp3","mime_type":"audio/mpeg","size_in_bytes":13689024,"duration_in_seconds":1700}]},{"id":"e6f9b85b-a04b-4df3-8069-c900955643a6","title":"Episode 132: How can we reduce energy use to navigate rising costs?","url":"https://www.thebusinessofproperty.com/132","content_text":"Join Stuart, Simon and special guest Emma as they talk about retro-fitting property for better energy efficiency and comfort. Make sure you catch Emma's dancing trio!\n\nThe chat this week includes:\n\n\nBills inclusive rent (eg for HMOs) is a concern.\nHeating controlls (eg Time:o:stat).\nInsulating well can remove the need to worry about heating management.\nStart simple! 34% of homes with lofts are not insulated!.\nOld insulation might need replacing (or increasing).\nAlways check the loft!\nHow to insulate suspended wooden floors (eg in a Victorian terrace).\n\"String\" to insulate between floorboards - DraughtEx.\nEmma's dancing trio - insulation, draught proofing, and ventilation.\nHeat exchange ventilation (for a Victorian terrace).\nInsulating a concrete floor.\nLimitations of EPCs when retrofitting.\nDew points.\nWhat is a lambda value for insulation.\nIssues with builder education - issues with a standard practice of battening off to create voids.\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.Special Guest: Emma Winfield.","content_html":"Join Stuart, Simon and special guest Emma as they talk about retro-fitting property for better energy efficiency and comfort. Make sure you catch Emma's dancing trio!
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
Special Guest: Emma Winfield.
","summary":"Join Stuart, Simon and special guest Emma as they talk about retro-fitting property for better energy efficiency and comfort. Make sure you catch Emma's dancing trio!","date_published":"2022-06-08T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/e6f9b85b-a04b-4df3-8069-c900955643a6.mp3","mime_type":"audio/mpeg","size_in_bytes":21202560,"duration_in_seconds":2670}]},{"id":"7953f49b-1fdd-42e7-9726-10cf1b837625","title":"Episode 131: Creating a Direct to Vendor (D2V) house purchase","url":"https://www.thebusinessofproperty.com/131","content_text":"Simon and Stuart chat about how Stuart has found a direct to vendor purchasing opportunity, and what he's planning to do with it.\n\nThe discussion this week includes:\n\n\nElectrician tales.\nRental properties must have an EICR.\nDirect to vendor purchasing.\nDirect marketing to landlords.\nIs a landlord a business and hence more open to contact (under data protection rules) than a consumer?\nNegotiating the deal.\nKeys undertaking - early access to start work.\nCouncil tax!\nEnsuites and a high standard refurbishment.\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart chat about how Stuart has found a direct to vendor purchasing opportunity, and what he's planning to do with it.
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart chat about how Stuart has found a direct to vendor purchasing opportunity, and what he's planning to do with it.","date_published":"2022-06-01T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/7953f49b-1fdd-42e7-9726-10cf1b837625.mp3","mime_type":"audio/mpeg","size_in_bytes":13058736,"duration_in_seconds":1628}]},{"id":"09c37ba7-cf53-42aa-b1be-a59c794449df","title":"Episode 130: What's happening with mortgages?! Plus we talk HMRC, MTD and EPC.","url":"https://www.thebusinessofproperty.com/130","content_text":"Stuart and Simon are chatting about a few landlord favourites this week - tax, mortgages and EPCs!\n\nThe chat this week includes:\n\n\nMaking Tax Digital (MTD) pilot.\nMaking Tax Digital will make life easier in the long wrong, but change can be difficult.\nMortgage issues threatening to collapse chains.\nLast minute mortgage withdrawal stories.\nBank restrictions due to building/area exposure limits.\nLandlord EPC course from Sue Bryer.\nKey discoveries from a day talking about EPCs!\nTo improve your EPC: insulate, improve the heating system, install PV (or similar).\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon are chatting about a few landlord favourites this week - tax, mortgages and EPCs!
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon are chatting about a few landlord favourites this week - tax, mortgages and EPCs!","date_published":"2022-05-25T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/09c37ba7-cf53-42aa-b1be-a59c794449df.mp3","mime_type":"audio/mpeg","size_in_bytes":11466840,"duration_in_seconds":1418}]},{"id":"ca2bd1a3-3372-4b4d-8514-10e9c6be9b57","title":"Episode 129: Strike v Purple Bricks: The viewing experience","url":"https://www.thebusinessofproperty.com/129","content_text":"Simon has been out viewing houses - this week he's chatting to Stuart about the viewing process with Strike and Purple Bricks. Plus his verdict on the two properties themselves (as potential buy-to-let investments).\n\nThe discussion this week includes:\n\n\nStrike.\nPurple Bricks.\nViewings with \"online\" agents.\nWe previously talked about the experience of arranging viewings with Strike and Purple Bricks.\nVisum.\nProperty 1.\nProperty 2.\nPaTMa's property research tools.\nThe numbers just don't work!\nThe numbers do work, but think about the risk!\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon has been out viewing houses - this week he's chatting to Stuart about the viewing process with Strike and Purple Bricks. Plus his verdict on the two properties themselves (as potential buy-to-let investments).
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon has been out viewing houses - this week he's chatting to Stuart about the viewing process with Strike and Purple Bricks. Plus his verdict on the two properties themselves (as potential buy-to-let investments).","date_published":"2022-05-18T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/ca2bd1a3-3372-4b4d-8514-10e9c6be9b57.mp3","mime_type":"audio/mpeg","size_in_bytes":15671880,"duration_in_seconds":1918}]},{"id":"d27175ad-89b0-4bff-9683-ebf53c033df7","title":"Episode 128: Why has Stuart pulled out of a 2 year sale??!","url":"https://www.thebusinessofproperty.com/128","content_text":"Property doesn't always go smoothly and this week Stuart and Simon are chatting about a long running sale attempt, taking drastic measures and refocusing.\n\nThe chat this week includes:\n\n\nPulling out of a sale.\nReasons behind the sale.\nBack to rental.\nVisum.\nFirst come first served in such a hot rental market.\nBills-inclusive at the moment?\nBeing open with prospective tenants.\nThe future is uncertain.\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Property doesn't always go smoothly and this week Stuart and Simon are chatting about a long running sale attempt, taking drastic measures and refocusing.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Property doesn't always go smoothly and this week Stuart and Simon are chatting about a long running sale attempt, taking drastic measures and refocusing.","date_published":"2022-05-11T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/d27175ad-89b0-4bff-9683-ebf53c033df7.mp3","mime_type":"audio/mpeg","size_in_bytes":11676168,"duration_in_seconds":1487}]},{"id":"21939c4e-bc95-4a06-8516-f29c9c4e31ff","title":"Episode 127: How are agents currently performing?","url":"https://www.thebusinessofproperty.com/127","content_text":"The good, the bad and the ugly of recent estate agent experiences! Simon and Stuart chat about a few of their recent interactions with estate agents as they try to buy properties.\n\nThe discussion this week includes:\n\n\nEstate agent experiences from a buyer perspective:\n\n\nStrike\nPurple Bricks\nLocal agents\n\nComparing with commercial agents.\nMarket conditions for letting agents.\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"The good, the bad and the ugly of recent estate agent experiences! Simon and Stuart chat about a few of their recent interactions with estate agents as they try to buy properties.
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"The good, the bad and the ugly of recent estate agent experiences! Simon and Stuart chat about a few of their recent interactions with estate agents as they try to buy properties.","date_published":"2022-05-04T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/21939c4e-bc95-4a06-8516-f29c9c4e31ff.mp3","mime_type":"audio/mpeg","size_in_bytes":14127912,"duration_in_seconds":1736}]},{"id":"1b6db766-f04e-4e78-807e-7180e49528db","title":"Episode 126: Do we care about the 18 year property cycle?","url":"https://www.thebusinessofproperty.com/126","content_text":"Stuart and Simon are taking on the 18-year property cycle! Does it matter and how should/is it affecting their investment plans.\n\nThe chat this week includes:\n\n\nCar parts (bear with us)! \nThe need to take charge of situations.\nFred Harrison (Not Frank, sorry Stuart mis-spoke).\nThe 18-year property cycle.\nProperty Hub recently talked about the 18-year cycle.\nHow we view the 18-year property cycle.\nProperty is (mostly) long-term.\nDigging into the rise of property prices over time.\nWe can't predict the future.\nDo even need to predict the future?\nHow the 18-year property cycle is affecting our investment plans.\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart and Simon are taking on the 18-year property cycle! Does it matter and how should/is it affecting their investment plans.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart and Simon are taking on the 18-year property cycle! Does it matter and how should/is it affecting their investment plans.","date_published":"2022-04-27T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/1b6db766-f04e-4e78-807e-7180e49528db.mp3","mime_type":"audio/mpeg","size_in_bytes":12090432,"duration_in_seconds":1506}]},{"id":"44d69f08-41b6-439b-b7bc-8a13ef840791","title":"Episode 125: The 30% ROI fraudsters and rent-to-rent reality","url":"https://www.thebusinessofproperty.com/125","content_text":"Simon and Stuart are talking about fraud and rent-to-rent this week - two things that some people have linked but are actually very distinct.\n\nThe discussion this week includes:\n\n\nShould fraudsters be considered business people?\nMore details on some of the fraud we're discussing can be found here and here.\n30% interest rates.\nLarge amounts of money.\nDo due diligence!\nPaying rent late (and hampers).\nGuaranteed rent from traditional agents.\nTaking responsibility with rent-to-rent.\nBusiness should be about solving problems.\n\"I've got some hope\"\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart are talking about fraud and rent-to-rent this week - two things that some people have linked but are actually very distinct.
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart are talking about fraud and rent-to-rent this week - two things that some people have linked but are actually very distinct.","date_published":"2022-04-20T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/44d69f08-41b6-439b-b7bc-8a13ef840791.mp3","mime_type":"audio/mpeg","size_in_bytes":12639552,"duration_in_seconds":1623}]},{"id":"f0935741-0102-461b-b9a8-4c70ba3844a6","title":"Episode 124: Attending an online auction","url":"https://www.thebusinessofproperty.com/124","content_text":"Stuart has been exploring online auctions as a way to purchase his next deal. This week he chats with Simon about his most recent experience, and the properties that took him there.\n\nThe chat this week includes:\n\n\nInteresting auction properties.\nViewing with care!\nA wonky house and another.\nAn online auction experience.\nPre-auction registration by Essential Information Group.\nWe chatted with David from EIG.\nAuction spying!\nOverall auction thoughts.\nDo you have any (online) auction questions?\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Stuart has been exploring online auctions as a way to purchase his next deal. This week he chats with Simon about his most recent experience, and the properties that took him there.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Stuart has been exploring online auctions as a way to purchase his next deal. This week he chats with Simon about his most recent experience, and the properties that took him there.","date_published":"2022-04-13T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/f0935741-0102-461b-b9a8-4c70ba3844a6.mp3","mime_type":"audio/mpeg","size_in_bytes":12556272,"duration_in_seconds":1592}]},{"id":"12d181de-ca73-4027-a9b7-fc62bafd1477","title":"Episode 123: Long term property returns","url":"https://www.thebusinessofproperty.com/123","content_text":"This week is all about measuring your property returns. Stuart and Simon are chatting about the metrics they use, with a focus on ROE and ROCE.\n\nThe discussion this week includes:\n\n\nReturn on Equity (ROE) is now shown in Property Manager.\nSome property terms defined in episode 12.\nSimon had trouble with rent.\nHow to calculate ROE.\nReturn on Investment (ROI).\nHow to calculate ROCE.\nEstimating a property value.\nRightmove sold prices.\nMouseprice.\nWhat do you think of the Zoopla changes?\nBackward steps at Google StreetView.\nShould you count rental profit as a return of capital?\nShould \"returns\" include value increases? (The property podcast suggest so).\nWhat calculations do you use to evaulate your property business returns?\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"This week is all about measuring your property returns. Stuart and Simon are chatting about the metrics they use, with a focus on ROE and ROCE.
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"This week is all about measuring your property returns. Stuart and Simon are chatting about the metrics they use, with a focus on ROE and ROCE.","date_published":"2022-04-06T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/12d181de-ca73-4027-a9b7-fc62bafd1477.mp3","mime_type":"audio/mpeg","size_in_bytes":13451568,"duration_in_seconds":1665}]},{"id":"1b115a8c-5c19-40cc-9b65-af2b9e8631d7","title":"Episode 122: Property headaches","url":"https://www.thebusinessofproperty.com/122","content_text":"Simon and Stuart are talking about their recent property headaches - maintenance and mortgages are the main focus of their ranting!\n\nThe chat this week includes:\n\n\nBoiler trouble.\nPlumber trouble.\nParts trouble.\nAlpha do fixed price boiler repairs.\nIt's worth having backups!\nFurther borrowing with a hurdle or two.\nHMO planning permission in an Article 4 area.\nPaTMa provides licensing and article 4 data across England.\nCertificate of lawfulness for a pre-existing structure.\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.","content_html":"Simon and Stuart are talking about their recent property headaches - maintenance and mortgages are the main focus of their ranting!
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
","summary":"Simon and Stuart are talking about their recent property headaches - maintenance and mortgages are the main focus of their ranting!","date_published":"2022-03-30T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/1b115a8c-5c19-40cc-9b65-af2b9e8631d7.mp3","mime_type":"audio/mpeg","size_in_bytes":12867600,"duration_in_seconds":1591}]},{"id":"9a1df30c-4666-437a-b172-e32ffe19db9e","title":"Episode 121: Stories of an Expat","url":"https://www.thebusinessofproperty.com/121","content_text":"The Expat Property Guy joins Stuart and Simon for a chat about buying in Hong Kong as well as buying remotely back in the UK. Make sure you listen for the crazy raffles!\n\nThe discussion this week includes:\n\n\nExpat Property Story.\n(Problems with) financial advisors!\nBuying in Hong Kong.\nThe shape/size of a Hong Kong development.\nOff-plan capital growth in Hong Kong.\n£100k in 3 years.\nProperty sourcer failures.\nBuying new build, off-plan, remotely; or not!\nProperty raffles.\nExpat buying mentality.\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.Special Guest: Expat Property Guy.","content_html":"The Expat Property Guy joins Stuart and Simon for a chat about buying in Hong Kong as well as buying remotely back in the UK. Make sure you listen for the crazy raffles!
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
Special Guest: Expat Property Guy.
","summary":"The Expat Property Guy joins Stuart and Simon for a chat about buying in Hong Kong as well as buying remotely back in the UK. Make sure you listen for the crazy raffles!","date_published":"2022-03-23T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/9a1df30c-4666-437a-b172-e32ffe19db9e.mp3","mime_type":"audio/mpeg","size_in_bytes":12168504,"duration_in_seconds":1559}]},{"id":"9be6cb52-10e4-4c2c-bb1c-db801552d3d8","title":"Episode 120: Our updates - freeholds, rents and debt recovery","url":"https://www.thebusinessofproperty.com/120","content_text":"This week Simon and Stuart are running through some updates in their property businesses. Thinking about a share of freehold, rent increases, issuing notices and debt recovery.\n\nThe chat this week includes:\n\n\nOffered a share of freehold (as a leaseholder).\nHow is a freehold price split between leaseholders? Let Stuart know on Twitter.\nRisks from a share of freehold.\nSelling, hopefully!\nIncreasing rents.\nTenant debt and difficulty communicating.\nServing a Section 8 notice.\nRecovering old debts.\nUsing a debt collection agency.\nShould landlords be keepers of responsibility, or just let things go?\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.","content_html":"This week Simon and Stuart are running through some updates in their property businesses. Thinking about a share of freehold, rent increases, issuing notices and debt recovery.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.
","summary":"This week Simon and Stuart are running through some updates in their property businesses. Thinking about a share of freehold, rent increases, issuing notices and debt recovery.","date_published":"2022-03-16T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/9be6cb52-10e4-4c2c-bb1c-db801552d3d8.mp3","mime_type":"audio/mpeg","size_in_bytes":12944736,"duration_in_seconds":1574}]},{"id":"3db6fe7a-0cf0-429c-958f-98dde5d5cfbe","title":"Episode 119: Inspiration from Inspired Villages CEO","url":"https://www.thebusinessofproperty.com/119","content_text":"Jamie joins Stuart and Simon for an inspirational introduction to a property business sector that's set to grow dramatically in coming years.\n\nThe discussion this week includes:\n\n\nInspired Villages.\nFind a passion in business.\nEmpathetic and intentional design.\nHow Inspired Villages got started.\nBeing Net Zero.\nApplying Net Zero to existing buildings and villages.\nThe ownership and occupancy model for Inspired Villages.\nThe current challenges for Jamie in his business.\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.Special Guest: Jamie Bunce.","content_html":"Jamie joins Stuart and Simon for an inspirational introduction to a property business sector that's set to grow dramatically in coming years.
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.
Special Guest: Jamie Bunce.
","summary":"Jamie joins Stuart and Simon for an inspirational introduction to a property business sector that's set to grow dramatically in coming years.","date_published":"2022-03-09T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/3db6fe7a-0cf0-429c-958f-98dde5d5cfbe.mp3","mime_type":"audio/mpeg","size_in_bytes":15437923,"duration_in_seconds":2035}]},{"id":"00c90c5f-34a5-484e-9dac-25aea81445ee","title":"Episode 118: Losing £10k and a bill for £7k","url":"https://www.thebusinessofproperty.com/118","content_text":"Simon and Stuart's chat this week covers losing money, big utility bills, extracting equity via a remortgage and increasing rents.\n\nThe chat this week includes:\n\n\nLosing £10k.\nPortfolio.\nIncreasing energy (gas and electricity) costs.\nTrying, but failing, to pay for water.\nA very large bill. \nRemortgaging - Loan to value (LTV) and Rental cover / ICR.\nIncreasing rent, or not.\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.","content_html":"Simon and Stuart's chat this week covers losing money, big utility bills, extracting equity via a remortgage and increasing rents.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.
","summary":"Simon and Stuart's chat this week covers losing money, big utility bills, extracting equity via a remortgage and increasing rents.","date_published":"2022-03-02T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/00c90c5f-34a5-484e-9dac-25aea81445ee.mp3","mime_type":"audio/mpeg","size_in_bytes":11071127,"duration_in_seconds":1471}]},{"id":"5c469fc4-1ce7-4564-a163-b1fed647647d","title":"Episode 117: Fly on the wall investor conversation","url":"https://www.thebusinessofproperty.com/117","content_text":"Be a fly on the wall for an exploratory property investor conversation.\n\nThe discussion this week includes:\n\n\nShould it be a JV?\nWhat is long term?\nHow putting money in could work.\nHow money might be withdrawn.\nHow a JV agreement might end.\nRevaluations and increasing equity during a JV.\n(Sorry about the sound quality after Stuart had to change location!)\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.","content_html":"Be a fly on the wall for an exploratory property investor conversation.
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.
","summary":"Be a fly on the wall for an exploratory property investor conversation.","date_published":"2022-02-23T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/5c469fc4-1ce7-4564-a163-b1fed647647d.mp3","mime_type":"audio/mpeg","size_in_bytes":17439696,"duration_in_seconds":2185}]},{"id":"0b51ed81-1cbf-4b49-b205-7ee08d2c581b","title":"Episode 116: Architectural considerations with Wayne Greenway","url":"https://www.thebusinessofproperty.com/116","content_text":"This week Stuart and Simon are joined by special guest Wayne Greenway to get a professional oppinion on a hypothetical flat conversation and chat about all things planning and architecture.\n\nThe chat this week includes:\n\n\nHow Covid has changed typical architecture work.\nFollow-up to episode 109.\nThe potential flat conversion property.\nConsidering planning and changes within councils.\nPlanning restrictions on parking.\nPrioritising garden access.\nIncreasing volume.\nHow many flats could actually fit?\nA process for estimating renovation costs.\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.Special Guest: Wayne Greenway.","content_html":"This week Stuart and Simon are joined by special guest Wayne Greenway to get a professional oppinion on a hypothetical flat conversation and chat about all things planning and architecture.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.
Special Guest: Wayne Greenway.
","summary":"This week Stuart and Simon are joined by special guest Wayne Greenway to get a professional oppinion on a hypothetical flat conversation and chat about all things planning and architecture.","date_published":"2022-02-16T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/0b51ed81-1cbf-4b49-b205-7ee08d2c581b.mp3","mime_type":"audio/mpeg","size_in_bytes":15068975,"duration_in_seconds":1917}]},{"id":"2011d7b0-de6f-46a5-93b9-c906e1d8ae9c","title":"Episode 115: Structures for investor relationships","url":"https://www.thebusinessofproperty.com/115","content_text":"Simon and Stuart are talking about how investor relationships can be structured and the investments Stuart has been looking at recently.\n\nThe discussion this week includes:\n\n\nContinuing from episode 114\nPossible structures for investors.\nLoan / angel funding.\nJoint ventures.\nSourcing, deal packaging and adding value.\nBeing flexible in approaching investors.\nInvestor relationships can be long term (perhaps longer than marriage)!\nHaving clarity about what you want to achieve.\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease send this episode to three property friends to help spread the word.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.","content_html":"Simon and Stuart are talking about how investor relationships can be structured and the investments Stuart has been looking at recently.
\n\nThe discussion this week includes:
\n\nPlease send this episode to three property friends to help spread the word.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.
","summary":"Simon and Stuart are talking about how investor relationships can be structured and the investments Stuart has been looking at recently.","date_published":"2022-02-09T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/2011d7b0-de6f-46a5-93b9-c906e1d8ae9c.mp3","mime_type":"audio/mpeg","size_in_bytes":10247232,"duration_in_seconds":1311}]},{"id":"4f88df09-aae1-475e-8c14-2f711f5ff4d1","title":"Episode 114: Property searches and considering investors","url":"https://www.thebusinessofproperty.com/114","content_text":"Stuart and Simon chat about the new PaTMa interface, their property searches and thinking about investors.\n\nThe chat this week includes:\n\n\nPaTMa has a great new interface - making it even faster and easier to use.\nSimon has been collecting interesting properties in PaTMa Prospector.\nGetting back to searching for property deals.\nA slight change of property direction.\nConsidering investors.\nWe were in The Times (just in case you missed it)!\nInvestor conversations.\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.","content_html":"Stuart and Simon chat about the new PaTMa interface, their property searches and thinking about investors.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.
","summary":"Stuart and Simon chat about the new PaTMa interface, their property searches and thinking about investors.","date_published":"2022-02-02T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/4f88df09-aae1-475e-8c14-2f711f5ff4d1.mp3","mime_type":"audio/mpeg","size_in_bytes":11871547,"duration_in_seconds":1483}]},{"id":"e4c1420d-f6a5-432d-bb06-b340a1b698ef","title":"Episode 113: Are we mad to be landlords in 2022?","url":"https://www.thebusinessofproperty.com/113","content_text":"Simon and Stuart discuss some of the challenges facing landlords in the future and whether they should be putting property investors off in 2022.\n\nThe discussion this week includes:\n\n\nThe Times article.\nAre we mad (to be property investors)?\nMortgage interest relief.\nCost of legislative changes.\nStamp duty surcharge.\nIncreasing tenant rights.\nAre property investors taking homes?\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease send this episode to three property friends to help spread the word.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today","content_html":"Simon and Stuart discuss some of the challenges facing landlords in the future and whether they should be putting property investors off in 2022.
\n\nThe discussion this week includes:
\n\nPlease send this episode to three property friends to help spread the word.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today
","summary":"Simon and Stuart discuss some of the challenges facing landlords in the future and whether they should be putting property investors off in 2022.","date_published":"2022-01-26T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/e4c1420d-f6a5-432d-bb06-b340a1b698ef.mp3","mime_type":"audio/mpeg","size_in_bytes":10622347,"duration_in_seconds":1334}]},{"id":"bfa5bdc0-2baa-462f-a6ee-9c199dccd90e","title":"Episode 112: We're in The Times, but these are still taxing times...","url":"https://www.thebusinessofproperty.com/112","content_text":"Stuart and Simon are talking about property yield, inspired by a recent article in The Times. Plus a chat on tax returns and how they approach their own.\n\nThe chat this week includes:\n\n\nThe Times article.\nTrack Capital yield map.\nPaTMa yield explorer.\nWhat are the Track Capital yield figures based on?\nLandlords need to file a tax return.\nFiling your self assessment tax return.\nMaking tax returns easier with PaTMa.\nHMRC are delaying late filing/payment fines this year.\nUsing an accountant for your personal tax return.\nHow long does it take to do your own tax return?\nHow long does it take to provide figures to your accountant?\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease send this episode to three property friends to help spread the word.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.","content_html":"Stuart and Simon are talking about property yield, inspired by a recent article in The Times. Plus a chat on tax returns and how they approach their own.
\n\nThe chat this week includes:
\n\nPlease send this episode to three property friends to help spread the word.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.
","summary":"Stuart and Simon are talking about property yield, inspired by a recent article in The Times. Plus a chat on tax returns and how they approach their own.","date_published":"2022-01-19T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/bfa5bdc0-2baa-462f-a6ee-9c199dccd90e.mp3","mime_type":"audio/mpeg","size_in_bytes":13996584,"duration_in_seconds":1750}]},{"id":"99bb3e8c-92f6-4b85-b145-9dc7c753a3ad","title":"Episode 111: If we started again, what would we change?","url":"https://www.thebusinessofproperty.com/111","content_text":"Simon and Stuart chat about what they might have done differently in their property investment careers and how things could have turned out differently.\n\nThe discussion this week includes:\n\n\nDoing our property careers again - how would they be different.\nGoing faster.\n£3 million property portfolio.\nSorry, no spreadsheet! Get in touch if you think it should be shared.\nGoing slower.\nPaying attention to the numbers in the properties.\nOnly one winner taking a bank to a casino!\nGross vs net matters.\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.","content_html":"Simon and Stuart chat about what they might have done differently in their property investment careers and how things could have turned out differently.
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.
","summary":"Simon and Stuart chat about what they might have done differently in their property investment careers and how things could have turned out differently.","date_published":"2022-01-12T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/99bb3e8c-92f6-4b85-b145-9dc7c753a3ad.mp3","mime_type":"audio/mpeg","size_in_bytes":12569759,"duration_in_seconds":1666}]},{"id":"a10811e2-c0ee-474c-91a1-6bd06979f5d6","title":"Episode 110: 2021 was fairly busy!","url":"https://www.thebusinessofproperty.com/110","content_text":"Stuart and Simon realise that quite a lot has happenned in 2021. This weeks chat covers a few of the things that have stood out for them.\n\nThe chat this week includes:\n\n\nNot reviewing our 2021 goals!\nNew R2R properties.\nCompleting on a sale.\nMaisonette refurbishment.\nTwo properties sold subject to contract.\nThree failed sales.\nPaTMa improvements:\n\n\nMaking Tax Digital\nOpen Banking\nImprove planning applications data\nBetter data integration\nNewly available comparable property listings\nBetter user experience and screen designs\n\nThe Business of Property episodes:\n\n\nRent to rent interview\nPlanning and development interview\nAuctions and property information packs interview\nGoing green in property\nTraining and future property investment\nReplacing your salary with rent-to-rent\nReplacing your salary with an HMO portfolio\nReplacing your salary with a buy to let portfolio\nReplacing your salary with serviced accommodation\n\nAlternative investing and Portfolio.\nLooking forward...\nPartnering on a co-working space.\nReducing papercuts - making a smoother experience.\nMaking Tax Digital.\nWishing you a very prosperous 2022.\nFind us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease send this episode to three property friends to help spread the word.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.","content_html":"Stuart and Simon realise that quite a lot has happenned in 2021. This weeks chat covers a few of the things that have stood out for them.
\n\nThe chat this week includes:
\n\nPlease send this episode to three property friends to help spread the word.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.
","summary":"Stuart and Simon realise that quite a lot has happenned in 2021. This weeks chat covers a few of the things that have stood out for them.","date_published":"2022-01-05T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/a10811e2-c0ee-474c-91a1-6bd06979f5d6.mp3","mime_type":"audio/mpeg","size_in_bytes":10682244,"duration_in_seconds":1380}]},{"id":"59b8feb9-f76b-458c-9ae1-1ff4120aa10a","title":"Episode 109: Analysing a prospective property deal","url":"https://www.thebusinessofproperty.com/109","content_text":"Simon presents an interesting property with development potential for Stuart to analyse further.\n\nThe discussion this week includes:\n\n\nA potential flat conversion property.\nUsing PaTMa to compare with the local market.\nAn estimated GDV.\nHow to fit possible flats.\nWhat would the conversion cost?\nNext steps.\nDelays and things you don't think about when planning a refurb.\nHow it could be financed.\nContact us on Twitter or LinkedIn: Stuart, Simon.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.","content_html":"Simon presents an interesting property with development potential for Stuart to analyse further.
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.
","summary":"Simon presents an interesting property with development potential for Stuart to analyse further.","date_published":"2021-12-29T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/59b8feb9-f76b-458c-9ae1-1ff4120aa10a.mp3","mime_type":"audio/mpeg","size_in_bytes":13714548,"duration_in_seconds":1784}]},{"id":"b262332d-866a-40fc-96a2-de389c282bf2","title":"Episode 108: Property business update - R2R, sales and lessons","url":"https://www.thebusinessofproperty.com/108","content_text":"Stuart and Simon chat through an update on recent changes and progress in Stuart's property business. Covering rent to rent, assorted sales, various woes and lessons learned along the way.\n\nThe chat this week includes:\n\n\nHas Stuart misplaced a house?\nA rent to rent business update.\nMinor building woes.\nLessons learned from recently starting multiple rent to rent properties.\nAn update on an interesting purchase offer.\nSelling another flat - direct to the buyer.\nCompleting on a very, very long running HMO sale.\n\n\nPlease send this episode to three property friends to help spread the word.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.","content_html":"Stuart and Simon chat through an update on recent changes and progress in Stuart's property business. Covering rent to rent, assorted sales, various woes and lessons learned along the way.
\n\nThe chat this week includes:
\n\nPlease send this episode to three property friends to help spread the word.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.
","summary":"Stuart and Simon chat through an update on recent changes and progress in Stuart's property business. Covering rent to rent, assorted sales, various woes and lessons learned along the way.","date_published":"2021-12-22T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/b262332d-866a-40fc-96a2-de389c282bf2.mp3","mime_type":"audio/mpeg","size_in_bytes":9482345,"duration_in_seconds":1271}]},{"id":"6d06dc60-27f4-443d-99d4-b524237fcddf","title":"Episode 107: How are rising house prices affecting our investment plans?","url":"https://www.thebusinessofproperty.com/107","content_text":"Simon and Stuart talk about direct to vendor (no agent) buying and some considerations in getting the process started; plus thoughts on investing with rapidly increasing property prices.\n\nThe discussion this week includes:\n\n\nStrongest 3 months growth in house prices for 15 years.\nUneven price growth over the last 6 years.\nPrice growth in pounds - compared to people's income.\nSimon's uncertain approach to the uncertain future!\nConsidering buying direct, from friends.\nPrivate valuation.\nNon-agent buying process.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.","content_html":"Simon and Stuart talk about direct to vendor (no agent) buying and some considerations in getting the process started; plus thoughts on investing with rapidly increasing property prices.
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.
","summary":"Simon and Stuart talk about direct to vendor (no agent) buying and some considerations in getting the process started; plus thoughts on investing with rapidly increasing property prices.","date_published":"2021-12-15T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/6d06dc60-27f4-443d-99d4-b524237fcddf.mp3","mime_type":"audio/mpeg","size_in_bytes":10744008,"duration_in_seconds":1512}]},{"id":"73ac9c61-798c-464f-b86d-7f454e0b2271","title":"Episode 106: House building and non-traditional exchanges","url":"https://www.thebusinessofproperty.com/106","content_text":"This week is a varied chat with Stuart and Simon exploring some house building stats, then discussing a fairly unusual proposal when selling a flat.\n\nThe chat this week includes:\n\n\nCompletions in October were 52% down!\nHouse building - 216,490.\nGovernment house building target - 300,000.\nNearly 24,000 new homes from a change of use.\nCouncil / local authority built properties.\nCovid forced changes on builders.\nStuart's flat sale, with a new twist!\nVariations to the traditional exchange and completion process.\n\n\nPlease send this episode to three property friends to help spread the word.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.","content_html":"This week is a varied chat with Stuart and Simon exploring some house building stats, then discussing a fairly unusual proposal when selling a flat.
\n\nThe chat this week includes:
\n\nPlease send this episode to three property friends to help spread the word.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.
","summary":"This week is a varied chat with Stuart and Simon exploring some house building stats, then discussing a fairly unusual proposal when selling a flat.","date_published":"2021-12-08T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/73ac9c61-798c-464f-b86d-7f454e0b2271.mp3","mime_type":"audio/mpeg","size_in_bytes":11813904,"duration_in_seconds":1497}]},{"id":"edf71de8-572b-4a0f-8988-e63806e56366","title":"Episode 105: Our alternative investments plus angel investment walkthrough","url":"https://www.thebusinessofproperty.com/105","content_text":"This week Simon and Stuart are chatting about their alternative (non-property) investments. Although a little property investment might be covered too!\n\nThe discussion this week includes:\n\n\nWe have non-property investments!\n@The_Landlord requested a cryto update.\nCoinbase (referral link - you'll get a little bit of free Bitcoin if you buy $100).\nVanguard stocks and shares investing.\nReturns over varying times and the bounce back from 2020 Covid.\nA new angel investment.\nStuart's decision from our recent mortgage episode.\nContact us on Twitter - @BizOfProperty.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.","content_html":"This week Simon and Stuart are chatting about their alternative (non-property) investments. Although a little property investment might be covered too!
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.
","summary":"This week Simon and Stuart are chatting about their alternative (non-property) investments. Although a little property investment might be covered too!","date_published":"2021-12-01T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/edf71de8-572b-4a0f-8988-e63806e56366.mp3","mime_type":"audio/mpeg","size_in_bytes":11882517,"duration_in_seconds":1494}]},{"id":"2940a023-ea0b-405c-b962-b0612ecad902","title":"Episode 104: To fix, or not to fix?","url":"https://www.thebusinessofproperty.com/104","content_text":"Stuart and Simon are talking mortgages - with a real life scenario and three mortgage options on the table, what do you need to consider to make a choice?\n\nThe chat this week includes:\n\n\nMortgages, mortgages, mortgages!\nThree mortgages are on offer - what to choose?\nWhat's a discounted variable mortgage?\nEarly repayment charges (ERCs).\nAlways remember the fees!\nLTV vs valuation.\nInterest costs for the options - the real figures.\nSavings and risks.\nWeighing it all up.\n\n\nPlease send this episode to three property friends to help spread the word.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.","content_html":"Stuart and Simon are talking mortgages - with a real life scenario and three mortgage options on the table, what do you need to consider to make a choice?
\n\nThe chat this week includes:
\n\nPlease send this episode to three property friends to help spread the word.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.
","summary":"Stuart and Simon are talking mortgages - with a real life scenario and three mortgage options on the table, what do you need to consider to make a choice?","date_published":"2021-11-24T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/2940a023-ea0b-405c-b962-b0612ecad902.mp3","mime_type":"audio/mpeg","size_in_bytes":13038596,"duration_in_seconds":1640}]},{"id":"001708b3-1713-4a41-b2e4-9ecbf9a4beab","title":"Episode 103: Open Banking and the death of spreadsheets","url":"https://www.thebusinessofproperty.com/103","content_text":"Simon and Stuart explore what Open Banking is and how it can help landlords, including looking into the future of Making Tax Digital.\n\nThe discussion this week includes:\n\n\nWhat is Open Banking?\nAn example Open Banking setup process.\nXero.\nHow landlords can benefit from Open Banking.\nSimpler record keeping and rent tracking with the PaTMa Open Banking support.\nMaking Tax Digital is coming for landlords from April 2024.\nUsing PaTMa, or standard accounting software, to simplify property bookeeping and ease MTD submissions.\nSpreadsheets won't cut it in the Making Tax Digital world.\nKicking and screaming during the transition.\nA smarter, easier world (process) for landlords in the end.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.","content_html":"Simon and Stuart explore what Open Banking is and how it can help landlords, including looking into the future of Making Tax Digital.
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.
","summary":"Simon and Stuart explore what Open Banking is and how it can help landlords, including looking into the future of Making Tax Digital.","date_published":"2021-11-17T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/001708b3-1713-4a41-b2e4-9ecbf9a4beab.mp3","mime_type":"audio/mpeg","size_in_bytes":10270561,"duration_in_seconds":1297}]},{"id":"7ab11c4b-c480-48ea-8060-06c40d28826b","title":"Episode 102: Cash (flow) is king","url":"https://www.thebusinessofproperty.com/102","content_text":"Stuart and Simon are talking cash flow and explaining how they manage (or not) cash flow in their own businesses. Hear why they've chosen different approaches for their own situations and some mistakes you can learn from.\n\nThe chat this week includes:\n\n\nStuart's cash flow \"situation\".\nPutting together a detailed cash flow forecast.\nManaging cash flow by setting/adjusting dates.\nThe value and importance of having a cash flow forecast.\nRecording monthly transaction in PaTMa with Open Banking.\nResidential, family, single lets can be treated very differently for cash flow.\nLumpy expenses, can be better!\nCash is king.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.","content_html":"Stuart and Simon are talking cash flow and explaining how they manage (or not) cash flow in their own businesses. Hear why they've chosen different approaches for their own situations and some mistakes you can learn from.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.
","summary":"Stuart and Simon are talking cash flow and explaining how they manage (or not) cash flow in their own businesses. Hear why they've chosen different approaches for their own situations and some mistakes you can learn from.","date_published":"2021-11-10T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/7ab11c4b-c480-48ea-8060-06c40d28826b.mp3","mime_type":"audio/mpeg","size_in_bytes":11351723,"duration_in_seconds":1482}]},{"id":"2f797f01-2eed-4be1-b72b-0193d13b7738","title":"Episode 101: Our autumn budget review (for landlords)","url":"https://www.thebusinessofproperty.com/101","content_text":"Simon and Stuart take a look at the recent budget from a property point of view and discuss some of the topics raised from that.\n\nThe discussion this week includes:\n\n\nThe autumn budget for property people.\n\n\nChanges for landlords.\nCladding.\nHelp to buy.\nDeveloping brownfield sites.\n\nRedhill as an example of heavy in-town development including office to resi conversions.\nDevelopment effects on town centres - traffic and parking.\nFuture travel patterns and housing requirements / preferences.\nThe Jetsons personal flying transport.\nFlying taxi's\n(Yes, we may have gone a little off-topic!)\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.","content_html":"Simon and Stuart take a look at the recent budget from a property point of view and discuss some of the topics raised from that.
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.
","summary":"Simon and Stuart take a look at the recent budget from a property point of view and discuss some of the topics raised from that.","date_published":"2021-11-03T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/2f797f01-2eed-4be1-b72b-0193d13b7738.mp3","mime_type":"audio/mpeg","size_in_bytes":9854310,"duration_in_seconds":1284}]},{"id":"547dfe21-790b-4f17-8f65-dc9f57697327","title":"Episode 100: Property is always on our mind","url":"https://www.thebusinessofproperty.com/100","content_text":"Stuart returns for a chat with Simon about the latest property transaction figures (covering September), approaches to a hot property market and the importance of having a plan B.\n\nThe chat this week includes:\n\n\nCovid experiences!\nSales transactions in September were up 67%.\nSee images below.\nOur previous episode with a crypto investment update.\nOur previous episode about share fund investment.\nMissed viewings and they're sold!\nApproaches to a hot property market.\nThe importance of having a plan B.\n\n\n\n\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.","content_html":"Stuart returns for a chat with Simon about the latest property transaction figures (covering September), approaches to a hot property market and the importance of having a plan B.
\n\nThe chat this week includes:
\n\n
![\"September](\"https://files.fireside.fm/file/fireside-uploads/images/4/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/o9XmAYqw.png\")
Please leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.
","summary":"Stuart returns for a chat with Simon about the latest property transaction figures (covering September), approaches to a hot property market and the importance of having a plan B.","date_published":"2021-10-27T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/547dfe21-790b-4f17-8f65-dc9f57697327.mp3","mime_type":"audio/mpeg","size_in_bytes":11799286,"duration_in_seconds":1551}]},{"id":"582ab4e7-d72e-40c1-9a7b-e4094392a6a1","title":"Episode 99: Student demand increasing 40% by 2025","url":"https://www.thebusinessofproperty.com/99","content_text":"Pam and Tania join Simon for a chat about their in-person property meetup in Crawley. They chat about their recent speaker, Gill Fielding, and the current state of the property market.\n\nThe discussion this week includes:\n\n\nCrawley Property Meet.\nGill Fielding and Fielding Financial.\nTreating other peoples money with respect.\nNever seen the market like this before (in 40 years).\nProximity to transport links could be less important.\nPeople will expect properties to complete faster now.\nChanging property trends.\nLicencing or regulation risks for SA.\nStudent demand increasing 40% by 2025.\nDifficulty judging Covid comfort levels, especially in groups.\nCrawley Property Meet in October (yesterday!) was a presentation on a recent project - an excellent style of event.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.Special Guests: Pam Mackenzie and Tania Carson.","content_html":"Pam and Tania join Simon for a chat about their in-person property meetup in Crawley. They chat about their recent speaker, Gill Fielding, and the current state of the property market.
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nThis podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Start a FREE trial today.
Special Guests: Pam Mackenzie and Tania Carson.
","summary":"Pam and Tania join Simon for a chat about their *in-person* property meetup in Crawley. They chat about their recent speaker, Gill Fielding, and the current state of the property market.","date_published":"2021-10-20T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/582ab4e7-d72e-40c1-9a7b-e4094392a6a1.mp3","mime_type":"audio/mpeg","size_in_bytes":9416598,"duration_in_seconds":1451}]},{"id":"fd6dcffe-6e5b-4b9d-ade3-6cf7e821c1a7","title":"Episode 98: What we're saving is the planet, not our pocket","url":"https://www.thebusinessofproperty.com/98","content_text":"Simon is joined by Pam and Tania to talk property energy improvements, coping with rising energy costs and how landlords should approach saving the planet.\n\nThe chat this week includes:\n\n\nPam and Tania previously joined us to chat about choosing locations and property funding.\nStuart and Simon spoke about increasing energy costs last week.\nSolar panels.\nFeed-in-tariff pay back period.\nConsidering approaches for eco projects.\nIs the technology ready to replace gas boilers?\nEPC C for rental property by 2025.\nCrawley Property Meet.\nAn average of £10,000 per property.\nDifficulty insulating a block of flats when you need agreement of everyone.\nIncreased HMO energy costs from more time at home - not just more expensive energy.\nIncreasing rents.\nEveryone's going to be struggling for a little while.\nEnergy supplier changes due to companies going bust.\nConvincing HMO tenants to be energy efficient.\nStructuring property energy improvements to \"pay back\" is wrong!\nWhat we're saving is the planet, not our pocket.\n\n\nPlease leave us a rating and review if you're enjoying the show.Special Guests: Pam Mackenzie and Tania Carson.","content_html":"Simon is joined by Pam and Tania to talk property energy improvements, coping with rising energy costs and how landlords should approach saving the planet.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
Special Guests: Pam Mackenzie and Tania Carson.
","summary":"Simon is joined by Pam and Tania to talk property energy improvements, coping with rising energy costs and how landlords should approach saving the planet.","date_published":"2021-10-13T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/fd6dcffe-6e5b-4b9d-ade3-6cf7e821c1a7.mp3","mime_type":"audio/mpeg","size_in_bytes":12050976,"duration_in_seconds":1774}]},{"id":"51043796-9eb4-4401-8414-a15dfa221d80","title":"Episode 97: Pricing and costs","url":"https://www.thebusinessofproperty.com/97","content_text":"Simon and Stuart chat about rents, pricing and how increasing energy costs will impact landlords.\n\nThe discussion this week includes:\n\n\nHometrack rental market report.\n5% increase.\n3.8% decrease.\n15 days.\nCrawley.\nIncreasing rents, or not.\nIncreasing energey costs (for HMO and SA).\nEnergy caps within tenancies.\nTime:o:stat.\nPro-active energey (cost) saving.\n\n\nPlease leave us a rating and review if you're enjoying the show.","content_html":"Simon and Stuart chat about rents, pricing and how increasing energy costs will impact landlords.
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"Simon and Stuart chat about rents, pricing and how increasing energy costs will impact landlords.","date_published":"2021-10-06T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/51043796-9eb4-4401-8414-a15dfa221d80.mp3","mime_type":"audio/mpeg","size_in_bytes":12786920,"duration_in_seconds":1664}]},{"id":"54150eb8-d6f8-4621-9dc7-6d6bc663cc27","title":"Episode 96: It's all about mindset","url":"https://www.thebusinessofproperty.com/96","content_text":"Stuart and Simon are talking about two important changes for property people on 1st October.\n\nThe chat this week includes:\n\n\nImportant property changes on 1st October.\nThe stamp duty holiday is ending, check the updated stamp duty rates - PaTMa is using the new rates.\nPaTMa data is showing an increase in fall-throughs.\nWhat has the stamp duty holiday accomplished?\nReduction in eviction notice periods.\nEviction (eg Section 21) forms are also changing.\nShould landlords spend (extra) money to pursue principles?\nContact us on Twitter, Facebook or contact form.\n\n\nPlease leave us a rating and review if you're enjoying the show.","content_html":"Stuart and Simon are talking about two important changes for property people on 1st October.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"Stuart and Simon are talking about two important changes for property people on 1st October.","date_published":"2021-09-29T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/54150eb8-d6f8-4621-9dc7-6d6bc663cc27.mp3","mime_type":"audio/mpeg","size_in_bytes":10418448,"duration_in_seconds":1305}]},{"id":"e5027813-66d2-426e-a1a8-95eb0e401d32","title":"Episode 95: Deposit eating inflation","url":"https://www.thebusinessofproperty.com/95","content_text":"Simon and Stuart chat about the current property market, looking at stocks and shares investment for parking deposit funds, and what to do following an awkward tenant departure.\n\nThe discussion this week includes:\n\n\nSome interesting properties appearing recently.\nROI.\nComparing price changes over 5 years with very similar houses in the same street.\nChallenger bank savings interest rates.\nVanguard.\nPassive share investing guide.\nTenants leaving!\nCleaning up.\nWe previously talked about a court experience following a tenant leaving goods behind.\nConsidering a pre-sale refurbishment.\nOur last episode on auctions with David from EIG.\n\n\nPlease leave us a rating and review if you're enjoying the show.","content_html":"Simon and Stuart chat about the current property market, looking at stocks and shares investment for parking deposit funds, and what to do following an awkward tenant departure.
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"Simon and Stuart chat about the current property market, looking at stocks and shares investment for parking deposit funds, and what to do following an awkward tenant departure.","date_published":"2021-09-22T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/e5027813-66d2-426e-a1a8-95eb0e401d32.mp3","mime_type":"audio/mpeg","size_in_bytes":13271265,"duration_in_seconds":1613}]},{"id":"f2c2cd53-b8aa-48ea-be98-a63d1c24c20e","title":"Episode 94: Property auctions with David Sandeman","url":"https://www.thebusinessofproperty.com/94","content_text":"Stuart and Simon are joined by property auction data expert, David Sandeman. David has been watching property auctions for over 30 years and he shares his tips for auction success, what's changed for auctions during the pandemic and a view to the future of property auctions.\n\nThe chat this week includes:\n\n\nSpecial guest David Sandeman from Essential Information Group.\nThe auction history of a particular block of flats in Redhill we've mentioned before.\nWhat's missing from the Land Registry sold price database.\nChanging interest in auctions with the current property market.\nMonthly auction stats in the EIG newsletter.\nDavid's top tips for considering an auction purchase.\nThe method of modern auction.\nProperty information packs / Home information packs.\nHow the SARS-CoV-2 pandemic has changed the auction industry.\nBuying property from your phone.\nProperties sold prior to auction.\n\n\nPlease leave us a rating and review if you're enjoying the show.Special Guest: David Sandeman.","content_html":"Stuart and Simon are joined by property auction data expert, David Sandeman. David has been watching property auctions for over 30 years and he shares his tips for auction success, what's changed for auctions during the pandemic and a view to the future of property auctions.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
Special Guest: David Sandeman.
","summary":"Stuart and Simon are joined by property auction data expert, David Sandeman. David has been watching property auctions for over 30 years and he shares his tips for auction success, what's changed for auctions during the pandemic and a view to the future of property auctions.","date_published":"2021-09-15T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/f2c2cd53-b8aa-48ea-be98-a63d1c24c20e.mp3","mime_type":"audio/mpeg","size_in_bytes":22115425,"duration_in_seconds":3105}]},{"id":"0a4dba09-d36a-4963-be94-97f1f92087ee","title":"Episode 93: News and stats roundup","url":"https://www.thebusinessofproperty.com/93","content_text":"Simon and Stuart are chatting about stories and stats that have recently caught their eyes in the property world.\n\nThe discussion this week includes:\n\n\nThe recent Zoopla / Hometrack price index.\nHow long can the current trend continue?\nWhere have all the sellers gone?\nLooking at flats vs houses.\nProperty transactions fell 63% from June to July.\nLegal thoughts on the \"easy read\" version of the How to Rent Guide and when to use it.\nRRO appeal that may help superior landlords, see also our previous discussion of Rent Repayment Orders.\nOnly 43 landlords on the rogue landlord database.\nLondon has it's own rogue landlord database that's public.\n\n\nPlease leave us a rating and review if you're enjoying the show.","content_html":"Simon and Stuart are chatting about stories and stats that have recently caught their eyes in the property world.
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"Simon and Stuart are chatting about stories and stats that have recently caught their eyes in the property world.","date_published":"2021-09-08T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/0a4dba09-d36a-4963-be94-97f1f92087ee.mp3","mime_type":"audio/mpeg","size_in_bytes":11244936,"duration_in_seconds":1322}]},{"id":"6cbe44f4-ef23-41eb-80df-24518dc3eab6","title":"Episode 92: Snagging - what is snagging and how to snag successfully","url":"https://www.thebusinessofproperty.com/92","content_text":"Stuart and Simon start with a quick crypto investment update and then turn their focus to snagging. What is snagging? How does the snagging process work? Can you keep your snagging process on-track?\n\nThe chat this week includes:\n\n\nOur previous episode with a crypto investment update.\nCryptocurrency investment progress update from Simon.\nSkepticism on blockchains disrupting property markets.\nWhat is snagging?\nCan 2% of new homes really be snag free.\nProfessional snaggers are available.\nMore snags due to the stamp duty holiday.\nExample snags:\n\n\nWindow scratches\nPlasterboard ceilings\nGarden drainage\nDoors dropping\nReversed switches\nDoor locks\nDoor sill cracks\nand more minor things\n\nSnagging vs software bugs.\nThe value of task specific knowledge.\nHow to run your own snagging process - make and manage a list.\n\n\nPlease leave us a rating and review if you're enjoying the show.","content_html":"Stuart and Simon start with a quick crypto investment update and then turn their focus to snagging. What is snagging? How does the snagging process work? Can you keep your snagging process on-track?
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"Stuart and Simon start with a quick crypto investment update and then turn their focus to snagging. What is snagging? How does the snagging process work? Can you keep your snagging process on-track?","date_published":"2021-09-01T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/6cbe44f4-ef23-41eb-80df-24518dc3eab6.mp3","mime_type":"audio/mpeg","size_in_bytes":10666218,"duration_in_seconds":1445}]},{"id":"f6519f3f-0bd0-463e-9b00-7248d55a2b36","title":"Episode 91: Lessons from a court experience","url":"https://www.thebusinessofproperty.com/91","content_text":"This week Simon and Stuart are chatting about a personal court experience - how it arose, progressed and of course the result. Listen for potentially very important and hard learnt lessons.\n\nSorry for the minor audio issues.\n\nThe chat this week includes:\n\n\nOur previous episode with Stehpanie Taylor - see below for her free book offer.\nTorts (Interference with Goods) Act.\nSomething for Stuart to look forward to?\nConflicting advice!\nWhat you should do with abandoned tenant belongings.\nBeing taken to court.\nWitness statements and evidence.\nLessons from a stressful experience.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nGet a free copy of The Rent 2 Rent Success Book!\n\nIf you'd like a free copy of Stephanie's book, Rent 2 Rent Success: Our Ethical 6-Step System to Get You Started in Property without Buying It.\n\n\nLeave a review for The Business of Property Podcast in your podcast app\nScreenshot the review and email it to Angelica at support@rent2rentsuccess.com with your postal address.\nYou'll receive a paperback copy in the post if you're in the UK and an email of the electronic version if you're anywhere else in the world.\n","content_html":"This week Simon and Stuart are chatting about a personal court experience - how it arose, progressed and of course the result. Listen for potentially very important and hard learnt lessons.
\n\nSorry for the minor audio issues.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nIf you'd like a free copy of Stephanie's book, Rent 2 Rent Success: Our Ethical 6-Step System to Get You Started in Property without Buying It.
\n\nStuart and Simon are talking about difficulties that can arise around a tenant who's having trouble moving on.
\n\nSorry for the minor audio issues.
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nIf you'd like a free copy of Stephanie's book, Rent 2 Rent Success: Our Ethical 6-Step System to Get You Started in Property without Buying It.
\n\nSimon and Stuart take a look at serviced accommodation and how it can be used to replace the average UK salary. Listen for a realistic exploration of the figures involved, investment required and time needed to build a serviced accommodation business.
\n\nSorry for the fluctuating audio!
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"Simon and Stuart take a look at serviced accommodation and how it can be used to replace the average UK salary. Listen for a realistic exploration of the figures involved, investment required and time needed to build a serviced accommodation business.","date_published":"2021-08-11T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/f43df868-7063-4594-b95c-19e3f17c75a0.mp3","mime_type":"audio/mpeg","size_in_bytes":14067592,"duration_in_seconds":1793}]},{"id":"112230ff-2e90-468b-ad0a-6eaf48375edf","title":"Episode 88: Rent to rent success with Stephanie Taylor","url":"https://www.thebusinessofproperty.com/88","content_text":"Stephanie Taylor joins Stuart and Simon to chat about her own success in property. Starting with rent to rent and now expanding to ownership, commercial to residential conversion and multi-unit block investment. Make sure you read the show notes for a great offer from Stephanie to get a copy of her Rent to Rent Success book for free!\n\nThe discussion this week includes:\n\n\nThe many things Stephanie is doing:\n\n\nHMO Heaven.\nRent to Rent Success Podcast.\nRent to Rent Success (book).\nRent to Rent Success Training.\n\nOur previous episode on replacing your salary with rent-to-rent.\nWhy Stephanie got started in rent to rent.\nFinding the first rent to rent deal.\nFirst refurbishment experience.\nKeys -> refurbishment -> tenant find -> then guaranteed rent.\nManagement to a high standard consistently over time.\nMoving on to multi-unit blocks as rent to rent.\nLeaving the day job (quickly).\nStarting to buy.\nCommercial conversion.\nA 12-unit investment property for £375k.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nGet a free copy of The Rent 2 Rent Success Book!\n\nIf you'd like a free copy of Stephanie's book, Rent 2 Rent Success: Our Ethical 6-Step System to Get You Started in Property without Buying It. \n\n\nLeave a review for The Business of Property Podcast in your podcast app\nScreenshot the review and email it to Angelica at support@rent2rentsuccess.com with your postal address.\nYou'll receive a paperback copy in the post if you're in the UK and an email of the electronic version if you're anywhere else in the world.\nSpecial Guest: Stephanie Taylor.","content_html":"Stephanie Taylor joins Stuart and Simon to chat about her own success in property. Starting with rent to rent and now expanding to ownership, commercial to residential conversion and multi-unit block investment. Make sure you read the show notes for a great offer from Stephanie to get a copy of her Rent to Rent Success book for free!
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nIf you'd like a free copy of Stephanie's book, Rent 2 Rent Success: Our Ethical 6-Step System to Get You Started in Property without Buying It.
\n\nSpecial Guest: Stephanie Taylor.
","summary":"Stephanie Taylor joins Stuart and Simon to chat about her own success in property. Starting with rent to rent and now expanding to ownership, commercial to residential conversion and multi-unit block investment. Make sure you read the show notes for a great offer from Stephanie to get a copy of her Rent to Rent Success book for free!","date_published":"2021-08-04T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/112230ff-2e90-468b-ad0a-6eaf48375edf.mp3","mime_type":"audio/mpeg","size_in_bytes":21892056,"duration_in_seconds":2673}]},{"id":"389be056-5ec9-4e0c-b310-0b31c4f3fafa","title":"Episode 87: Most things are possible","url":"https://www.thebusinessofproperty.com/87","content_text":"This week Simon and Stuart are chatting about progress and events in their property (and cryptocurrency) investments.\n\nThe chat this week includes:\n\n\nAre The Property Podcast spying on us?\n\n\nWe talk about cryptocurrencies\nThey talk about bitcoin\n\nLand Registry property/fraud alert service.\nDownload title deeds from the Land Registry.\nValidating property ownership for R2R.\nAn update on Simon's cryptocurrency investments.\nThinking long term for crypto investment.\nThe next steps when a notice period expires.\nLandlords, tenants and theft!\nTrying for early exchange with insurance protection.\nMost things are possible.\n\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"This week Simon and Stuart are chatting about progress and events in their property (and cryptocurrency) investments.
\n\nThe chat this week includes:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"This week Simon and Stuart are chatting about progress and events in their property (and cryptocurrency) investments.","date_published":"2021-07-28T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/389be056-5ec9-4e0c-b310-0b31c4f3fafa.mp3","mime_type":"audio/mpeg","size_in_bytes":13075080,"duration_in_seconds":1645}]},{"id":"5bc6b371-a733-43df-ab53-0cca843b3ed2","title":"Episode 86: How to replace your salary with buy-to-let","url":"https://www.thebusinessofproperty.com/86","content_text":"Stuart and Simon turn their salary replacement analysis to property investment with a buy-to-let strategy. What would it take to build a BTL portfolio that provides enough income to replace the average UK salary? Listen to find out!\n\nThe discussion this week includes:\n\n\nOur previous episodes on replacing your salary with rent-to-rent and replacing your salary with HMOs.\nWhat is vanilla buy-to-let?\nCan you BTL with new build properties?\nThe beauty of buy-to-let.\nTarget salary replacement.\nA single property buy-to-let scenario.\nPotential return and comparison to alternatives.\nBTL probably doesn't work with other peoples money.\nRental cover / ICR and the importance of the mortgage stress rate.\nHands off investment.\nReplace your salary or double your salary!\nReplace your salary with capital appreciation.\nProperty investment is a balancing act.\n\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"Stuart and Simon turn their salary replacement analysis to property investment with a buy-to-let strategy. What would it take to build a BTL portfolio that provides enough income to replace the average UK salary? Listen to find out!
\n\nThe discussion this week includes:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"Stuart and Simon turn their salary replacement analysis to property investment with a buy-to-let strategy. What would it take to build a BTL portfolio that provides enough income to replace the average UK salary? Listen to find out!","date_published":"2021-07-21T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/5bc6b371-a733-43df-ab53-0cca843b3ed2.mp3","mime_type":"audio/mpeg","size_in_bytes":11878968,"duration_in_seconds":1532}]},{"id":"76369251-a6e5-4e8e-9681-acdec157bd21","title":"Episode 85: House price indexes and free employees!","url":"https://www.thebusinessofproperty.com/85","content_text":"This week Simon and Stuart are talking about two recent house price index reports and what they show about the property market at the moment. Plus a discussion on the government Kickstart Scheme and the process for your property business to benefit from it.\n\nThe chat this week includes:\n\n\nHalifax House Price Index - June 2021.\nNationwide House Price Index - June/Q2 2021.\nOur previous thoughts on market changes as the stamp duty holiday ends.\nA delay in solicitors and local searches.\nThe Government Kickstart scheme.\nSimon wants to improve the PaTMa documentation.\nThe Kickstart Scheme application process.\nIt's amazing how much a good employee can expedite your business.\n\n\nPlease leave us a rating and review if you're enjoying the show.","content_html":"This week Simon and Stuart are talking about two recent house price index reports and what they show about the property market at the moment. Plus a discussion on the government Kickstart Scheme and the process for your property business to benefit from it.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"This week Simon and Stuart are talking about two recent house price index reports and what they show about the property market at the moment. Plus a discussion on the government Kickstart Scheme and the process for your property business to benefit from it.","date_published":"2021-07-14T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/76369251-a6e5-4e8e-9681-acdec157bd21.mp3","mime_type":"audio/mpeg","size_in_bytes":14251728,"duration_in_seconds":1801}]},{"id":"377b3a99-31c5-4178-8514-f05914fa4a09","title":"Episode 84: Planning, sourcing, development and more with Imran Lokhon","url":"https://www.thebusinessofproperty.com/84","content_text":"Stuart and Simon chat to Imran Lokhon about the planning permission process and other property business topics including sourcing, development and building property teams.\n\nThe discussion this week includes:\n\n\nHow Imran got started in property (and planning).\nImran's podcast.\nStarting in property sourcing.\nAround 2008 was a very lucrative time to be buying property.\nTravel still needed to get deals with good yield.\nProviding end-to-end sourcing.\nGet clear about your ideal client.\nChoosing areas based on yield, market opportunity and the local team.\nEvaluating letting agents.\nProgressing with property flipping.\nDeveloping properties into multiple units.\nThe National Planning Policy Framework.\nLocal authorities are now more open to development.\nMore, and early, communication to improve planning for local authorities and developers.\nThe 4 most important things to think about when considering a planning application.\nGo pastel!\nFind Imran at Modus Academy.\n\n\nPlease leave us a rating and review if you're enjoying the show.Special Guest: Imran Lokhon.","content_html":"Stuart and Simon chat to Imran Lokhon about the planning permission process and other property business topics including sourcing, development and building property teams.
\n\nThe discussion this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
Special Guest: Imran Lokhon.
","summary":"Stuart and Simon chat to Imran Lokhon about the planning permission process and other property business topics including sourcing, development and building property teams.","date_published":"2021-07-07T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/377b3a99-31c5-4178-8514-f05914fa4a09.mp3","mime_type":"audio/mpeg","size_in_bytes":19697784,"duration_in_seconds":2379}]},{"id":"e6c72965-0438-4de1-83e8-09685dcf3134","title":"Episode 83: Stamp duty changes and exploring Airbnb","url":"https://www.thebusinessofproperty.com/83","content_text":"Simon and Stuart talk about the ending (or changing) stamp duty holiday and what it might mean for the property market. Stuart also chats about his experiences trying out short lets via Airbnb.\n\nThe chat this week includes:\n\n\nStuart's race against the stamp duty holiday ending.\nStamp duty holiday changes\n\"Never not complete on completion day.\"\nFallout from Scotland's LBTT holiday end.\nProperty listing data from PaTMa.\nAn increase in property sales falling through.\nPrice increases for removals.\nanyvan.com.\n\"Spare a thought for the solicitors\".\nGetting started with Airbnb.\nExploring the business side of running property on Airbnb.\nWho's renting Airbnb property in London.\nOur mini-theme on replacing your salary from R2R and HMOs.\n\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"Simon and Stuart talk about the ending (or changing) stamp duty holiday and what it might mean for the property market. Stuart also chats about his experiences trying out short lets via Airbnb.
\n\nThe chat this week includes:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"Simon and Stuart talk about the ending (or changing) stamp duty holiday and what it might mean for the property market. Stuart also chats about his experiences trying out short lets via Airbnb.","date_published":"2021-06-30T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/e6c72965-0438-4de1-83e8-09685dcf3134.mp3","mime_type":"audio/mpeg","size_in_bytes":12520584,"duration_in_seconds":1642}]},{"id":"05e15f65-b8cc-43d7-bead-1ab88e11a002","title":"Episode 82: How to replace your salary with HMOs","url":"https://www.thebusinessofproperty.com/82","content_text":"This week it's HMO property investment that Stuart and Simon look at for their salary replacement analysis. What would it take to build an HMO portfolio that provides enough income to replace the average UK salary? Listen to find out!\n\nThe discussion this week includes: \n\n\nOur previous episode on replacing your salary with rent-to-rent.\nAn average UK salary.\nBuying and renting HMO investment property.\nDescribing our chosen \"typical\" HMO property.\nPurchase costs.\nRefurbishment costs.\nLoan to value (LTV).\nStamp duty.\nYield.\nMortgages and possible rates.\nMaintenance costs.\nHMO licence costs vary per council.\nUtility and council tax costs.\nA strange calculation to allow for voids!\nAgent costs (or not).\nHow long does it take to buy and setup an HMO?\nThe cost, impact and risk of using private finance.\n\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"This week it's HMO property investment that Stuart and Simon look at for their salary replacement analysis. What would it take to build an HMO portfolio that provides enough income to replace the average UK salary? Listen to find out!
\n\nThe discussion this week includes:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"This week it's HMO property investment that Stuart and Simon look at for their salary replacement analysis. What would it take to build an HMO portfolio that provides enough income to replace the average UK salary? Listen to find out!","date_published":"2021-06-23T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/05e15f65-b8cc-43d7-bead-1ab88e11a002.mp3","mime_type":"audio/mpeg","size_in_bytes":17632560,"duration_in_seconds":2244}]},{"id":"1a8f204a-6475-40dc-8bd6-f1809c1d6e8d","title":"Episode 81: Rent Repayment Orders and eviction changes","url":"https://www.thebusinessofproperty.com/81","content_text":"Simon and Stuart are covering a couple of pieces of property news this week. They introduce Rent Repayment Orders and chat about an article covering recent court cases; then talk about the latest changes to Section 21 based evictions.\n\nThe chat this week includes:\n\n\nRent Repayment Orders (RRO).\nReplacing your salary with rent-to-rent.\nSome recent RRO court cases.\nCrazy things dodgy landlords and rent-to-rent operators do!\nAre you the legal owner?\nAgents can't absolve your legal liability.\nRight to rent.\nThe Tsunami of evictions is active!\nChanges to Section 21 eviction notice periods.\nSection 21 validity flow chart.\nStuart's current Section 21 experience.\nThe principle vs practical effort and cost.\nThe eviction process takes so much time and effort.\nLife's too short.\n\n\nPlease leave us a rating and review if you're enjoying the show.","content_html":"Simon and Stuart are covering a couple of pieces of property news this week. They introduce Rent Repayment Orders and chat about an article covering recent court cases; then talk about the latest changes to Section 21 based evictions.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"Simon and Stuart are covering a couple of pieces of property news this week. They introduce Rent Repayment Orders and chat about an article covering recent court cases; then talk about the latest changes to Section 21 based evictions.","date_published":"2021-06-16T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/1a8f204a-6475-40dc-8bd6-f1809c1d6e8d.mp3","mime_type":"audio/mpeg","size_in_bytes":11440128,"duration_in_seconds":1456}]},{"id":"095972e9-195a-4198-9942-55fced33af7c","title":"Episode 80: How to replace your salary with Rent-to-Rent (R2R)","url":"https://www.thebusinessofproperty.com/80","content_text":"Stuart and Simon take a realistic look at the numbers involved in creating a rent-to-rent (R2R) property portfolio designed to replace your salary. They answer questions such as \"What capital do you need?\" and \"How long will it take?\".\n\nThe discussion this week includes:\n\n\nAre Stuart and Simon trying to replace their salary?\nThe average UK salary.\nWhy replace your salary - what would it mean to you?\nMulti-million pound portfolios.\nIncome from a typical / example rent-to-rent property.\nCosts to setup a rent-to-rent property.\nDon't forget the time (and work) involved to get started.\nIt's going to take longer than you think!\n\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"Stuart and Simon take a realistic look at the numbers involved in creating a rent-to-rent (R2R) property portfolio designed to replace your salary. They answer questions such as "What capital do you need?" and "How long will it take?".
\n\nThe discussion this week includes:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"Stuart and Simon take a realistic look at the numbers involved in creating a rent-to-rent (R2R) property portfolio designed to replace your salary. They answer questions such as \"What capital do you need?\" and \"How long will it take?\".","date_published":"2021-06-09T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/095972e9-195a-4198-9942-55fced33af7c.mp3","mime_type":"audio/mpeg","size_in_bytes":11342496,"duration_in_seconds":1454}]},{"id":"34fe98a1-a0f4-48c4-b656-f7de8a6c19b5","title":"Episode 79: Property vs cryptocurrency investing","url":"https://www.thebusinessofproperty.com/79","content_text":"Listen in this week for (yet more) chat about flats in Redhill and investments outside property, including an adventure in cryptocurrency investment!\n\nThe chat this week includes:\n\n\nA previous episode about a block of flats (and a spreadsheet).\nThat block of flats.\nThe flat up for auction (again).\nLeasehold reform.\nExtending a lease.\nReturns from freehold block investment.\nInvestments outside property.\nThe Landlord reports on his cryptocurrency journey.\nVolatility of cryptocurrencies.\n\n\nPlease leave us a rating and review if you're enjoying the show.","content_html":"Listen in this week for (yet more) chat about flats in Redhill and investments outside property, including an adventure in cryptocurrency investment!
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"Listen in this week for (yet more) chat about flats in Redhill and investments outside property, including an adventure in cryptocurrency investment!","date_published":"2021-06-02T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/34fe98a1-a0f4-48c4-b656-f7de8a6c19b5.mp3","mime_type":"audio/mpeg","size_in_bytes":10923888,"duration_in_seconds":1362}]},{"id":"57ae9700-366a-4c64-84dd-4e25328c9c1b","title":"Episode 78: How many viewings in two weeks?","url":"https://www.thebusinessofproperty.com/78","content_text":"Join Stuart and Simon for another updates episode - chatting about the latest ups, downs and changes in their property businesses.\n\nThe discussion this week included:\n\n\nStuart's bad news.\nContinuing from our last updates episode.\nMaking the hard phone calls.\nThe pain is the lost time.\nPaTMa property price history browser extension.\nHow many viewings in two weeks?\nGetting agents attention in a hot market.\nYou can also sell privately with Visum.\nThe benefit of agents.\nA great studio flat in Kingston.\nSlow valuations.\nInvestment options on a block of flats.\nRecruiting an admin assistant.\nThe Government Kickstart scheme.\nSoftware to manage property.\n\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"Join Stuart and Simon for another updates episode - chatting about the latest ups, downs and changes in their property businesses.
\n\nThe discussion this week included:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"Join Stuart and Simon for another updates episode - chatting about the latest ups, downs and changes in their property businesses.","date_published":"2021-05-26T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/57ae9700-366a-4c64-84dd-4e25328c9c1b.mp3","mime_type":"audio/mpeg","size_in_bytes":12344640,"duration_in_seconds":1582}]},{"id":"8321c1e6-e6a9-458a-acdf-5abfa8729e6f","title":"Episode 77: Spreadsheeting investment scenarios","url":"https://www.thebusinessofproperty.com/77","content_text":"Simon and Stuart have made a property investment spreadsheet! Follow the link in the notes to have a look. Then listen for a full walk through and analysis of the investment scenarios.\n\nThe chat this week includes:\n\n\nA previous episode about a block of flats.\nThat block of flats.\nThe flat up for auction.\n(No these notes aren't just a duplicate of last week!)\nInvestment scenarios spreadsheet.\nExplaining someone else's spreadsheet is harder than it looks!\nFollow along a step by step investment scenario spreadsheet walk-through - spreadsheet here.\nRental cover.\nJam today or jam tomorrow.\nKnowing your own objectives.\nThinking about what we want.\nThe spreadsheet (again).\n\n\nPlease leave us a rating and review if you're enjoying the show.","content_html":"Simon and Stuart have made a property investment spreadsheet! Follow the link in the notes to have a look. Then listen for a full walk through and analysis of the investment scenarios.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"Simon and Stuart have made a property investment spreadsheet! Follow the link in the notes to have a look. Then listen for a full walk through and analysis of the investment scenarios.","date_published":"2021-05-19T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/8321c1e6-e6a9-458a-acdf-5abfa8729e6f.mp3","mime_type":"audio/mpeg","size_in_bytes":10912248,"duration_in_seconds":1408}]},{"id":"680fd975-a255-4624-8159-7f5a224c6b83","title":"Episode 76: Unexpected property strategy","url":"https://www.thebusinessofproperty.com/76","content_text":"Simon and Stuart start with a chat about a flat they've seen before and what someone else's strategy might be for it. They also discuss what's involved in self managing a tenant change and some property maintenance - including the actual amount of money and time - plus how it could be improved.\n\nThe discussion this week included:\n\n\nA previous episode about a block of flats.\nThat block of flats.\nThe flat up for auction.\nDifferent and unexpected property strategies.\nBRRR.\nSelf managing a change of tenants - what's involved.\nUsing PaTMa to help with new tenancy paperwork.\nA long list of maintenance tasks!\nConsidering the costs (time and money) of the process - listen for actual numbers.\nUsing software to track property expenses.\nRecovering costs of damage from a deposit.\nIncreased costs from tradespeople via agents.\nWhat and how much can you outsource in property? How much should you?\nWhat a good managing agent will do.\nValuing your own time.\nImproving (VA) processes and integration.\nViewber.\n\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"Simon and Stuart start with a chat about a flat they've seen before and what someone else's strategy might be for it. They also discuss what's involved in self managing a tenant change and some property maintenance - including the actual amount of money and time - plus how it could be improved.
\n\nThe discussion this week included:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"Simon and Stuart start with a chat about a flat they've seen before and what someone else's strategy might be for it. They also discuss what's involved in self managing a tenant change and some property maintenance - including the actual amount of money and time - plus how it could be improved.","date_published":"2021-05-12T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/680fd975-a255-4624-8159-7f5a224c6b83.mp3","mime_type":"audio/mpeg","size_in_bytes":17786064,"duration_in_seconds":2227}]},{"id":"8841a1e9-e404-4c80-9c7d-a5c0f3f42ed6","title":"Episode 75: Applying significant desire","url":"https://www.thebusinessofproperty.com/75","content_text":"Stuart and Simon cover some recent updates in their property businesses - from renting rooms to issues selling properties and the cost of an EWS1 survey.\n\nThe chat this week includes:\n\n\nResults from changing letting agent.\nAdvertising on different channels.\n\"Can you put a hot tub in the garden?\"\nIncreased rent following a design-led refurbishment.\nRe-opening lines of communication.\nProblems two days before exchange!\nGround rent doubling every 25 years vs inflation.\nMortgage companies \"dislike\" doubling every 15 years or less.\nLeasehold reform.\nCoincidental timing.\nThree EWS1 quotes and ball-park costs.\n\n\nPlease leave us a rating and review if you're enjoying the show.","content_html":"Stuart and Simon cover some recent updates in their property businesses - from renting rooms to issues selling properties and the cost of an EWS1 survey.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"Stuart and Simon cover some recent updates in their property businesses - from renting rooms to issues selling properties and the cost of an EWS1 survey.","date_published":"2021-05-05T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/8841a1e9-e404-4c80-9c7d-a5c0f3f42ed6.mp3","mime_type":"audio/mpeg","size_in_bytes":10611216,"duration_in_seconds":1348}]},{"id":"4c7f3225-0e77-4225-889c-4776282618a6","title":"Episode 74: As optimistic as reality","url":"https://www.thebusinessofproperty.com/74","content_text":"Simon and Stuart respond to a request for their thoughts on the next 5 years in the property market - along with reviewing recent price index reports.\n\nThe discussion this week included:\n\n\nOur recent chat about the property market.\nProperty market reports: Nationwide, Halifax, e.surv, and Hamptons rental index.\nChris asked about the next 5 years.\nWhy do we/people try to predict the property market.\nFocussing on financial fundamentals.\n\"The longer term outlook remains highly uncertain\" - Robert Gardner, Nationwide's Chief Economist.\nWe were talking about down valuations six months ago.\n\"It's staggering how much the property market is increasing right now\".\nA lot of regional variation.\nIncome to house price multiples.\nArticle about what might end the crazy property market.\nCheap and easy money.\nUsing PaTMa stats to further investigate price changes in the Redhill area.\n\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"Simon and Stuart respond to a request for their thoughts on the next 5 years in the property market - along with reviewing recent price index reports.
\n\nThe discussion this week included:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"Simon and Stuart respond to a request for their thoughts on the next 5 years in the property market - along with reviewing recent price index reports.","date_published":"2021-04-28T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/4c7f3225-0e77-4225-889c-4776282618a6.mp3","mime_type":"audio/mpeg","size_in_bytes":12645864,"duration_in_seconds":1595}]},{"id":"a62865da-75bf-405b-9ccf-02f749e0e1be","title":"Episode 73: Realities of property investing","url":"https://www.thebusinessofproperty.com/73","content_text":"Stuart and Simon provide updates on their recent property business experiences. They chat about property maintenance, tradespeople, and knowing your market.\n\nThe chat this week includes:\n\n\nTenants leaving.\nDealing with leaks and resulting mould.\nMaintenance, maintenance, maintenance.\nEICR deadline and electrician availability.\nTradespeople availability.\nMaterials availability.\nEWS1 saga.\nBeware of your managing agent and your ability, or not, to replace them.\nNot accepting search indemnity insurance.\nChanging letting agents.\nKnowing your market.\nBenefits of finding your own tenants.\n\n\nPlease leave us a rating and review if you're enjoying the show.","content_html":"Stuart and Simon provide updates on their recent property business experiences. They chat about property maintenance, tradespeople, and knowing your market.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"Stuart and Simon provide updates on their recent property business experiences. They chat about property maintenance, tradespeople, and knowing your market.","date_published":"2021-04-21T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/a62865da-75bf-405b-9ccf-02f749e0e1be.mp3","mime_type":"audio/mpeg","size_in_bytes":16283376,"duration_in_seconds":2048}]},{"id":"d2b3835e-de2b-48d5-9f4b-672bcec3f1b3","title":"Episode 72: Going up! Then what?","url":"https://www.thebusinessofproperty.com/72","content_text":"Simon and Stuart talk about recent news of some unusually high numbers in the property market.\n\nThe discussion this week included:\n\n\nUK residential transactions in February 2021 is 147,050, 48.5% higher than February 2020.\nPressure from the stamp duty holiday vs real market demand.\nPandemic effects on the property market.\nWhat might the property market look like over the next year.\nOver 9 million Rightmove visits in a day.\nHow long will the current level of demand last?\nLots of local variation in the property market.\nROI.\nTiming the market for your re-mortgage.\nZombie mortgages.\nLook out for standard variable rate!\nRecycling investment cash.\nValuation flukes.\n\n\nPlease leave us a rating and review if you're enjoying the show.","content_html":"Simon and Stuart talk about recent news of some unusually high numbers in the property market.
\n\nThe discussion this week included:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"Simon and Stuart talk about recent news of some unusually high numbers in the property market.","date_published":"2021-04-14T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/d2b3835e-de2b-48d5-9f4b-672bcec3f1b3.mp3","mime_type":"audio/mpeg","size_in_bytes":17566872,"duration_in_seconds":2095}]},{"id":"5b7a506c-f4e1-443c-8235-d188b10926bd","title":"Episode 71: Tenant demand and witnessed e-signatures","url":"https://www.thebusinessofproperty.com/71","content_text":"Stuart and Simon chat about their varied experiences with recent tenant demand for rooms and properties they've let.\n\nThe chat this week includes:\n\n\nA lack of tenants.\nChoosing your channel to match your market.\n13 of 15 new rooms filled.\nBeating the HMO oversupply around Gatwick.\nOpenRent and Visum.\nCrazy single-let demand - nearly 30 enquiries in a week.\nPerhaps not actually looking for a short term let.\nMaking the most of auto-responses and pre-screening on Visum and OpenRent - but beware!\nPaTMa.\nDocuSign's witnessed service - some more details available here.\n\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"Stuart and Simon chat about their varied experiences with recent tenant demand for rooms and properties they've let.
\n\nThe chat this week includes:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"Stuart and Simon chat about their varied experiences with recent tenant demand for rooms and properties they've let.","date_published":"2021-04-07T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/5b7a506c-f4e1-443c-8235-d188b10926bd.mp3","mime_type":"audio/mpeg","size_in_bytes":17379864,"duration_in_seconds":1792}]},{"id":"19403133-a3f3-40d7-af17-190e0e155eb2","title":"Episode 70: Enjoy your new home without delay","url":"https://www.thebusinessofproperty.com/70","content_text":"This week Simon and Stuart talk through a recent viewing experience, putting in a low offer, and how basic repairs can disproportionately affect ROI.\n\nThe discussion this week included:\n\n\nLooking for a new investment property.\nTaking advantage of an empty house for a Covid-safe viewing.\nPaTMa property price monitoring.\n\"enjoy your new home without delay\".\nTeardown from viewing a property.\nPutting in a low offer.\nRepair work can't be leveraged by an initial mortgage.\nROI effects from repair work investment.\nThe advantage of home owners living through repairs.\n\n\nPlease get in touch with your recent viewing experiences.","content_html":"This week Simon and Stuart talk through a recent viewing experience, putting in a low offer, and how basic repairs can disproportionately affect ROI.
\n\nThe discussion this week included:
\n\nPlease get in touch with your recent viewing experiences.
","summary":"This week Simon and Stuart talk through a recent viewing experience, putting in a low offer, and how basic repairs can disproportionately affect ROI.","date_published":"2021-03-31T05:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/19403133-a3f3-40d7-af17-190e0e155eb2.mp3","mime_type":"audio/mpeg","size_in_bytes":12218928,"duration_in_seconds":1354}]},{"id":"8bb75c58-f223-4eae-9f55-d4f863173141","title":"Episode 69: Holiday let gone wrong!","url":"https://www.thebusinessofproperty.com/69","content_text":"Stuart and Simon start out this week with a tale about a holiday let that isn't going as planned. This leads the conversation to a past story about council involvement.\n\nThe chat this week includes:\n\n\nHoliday let gone wrong!\nWhy people want short term lets.\nOpen communication.\nTrusting people.\nCouncil support, or lack of, for evictions.\nConflicting council incentives.\nWasted public costs and emotional turmoil.\nMitigating risk as the start of a tenancy.\n\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"Stuart and Simon start out this week with a tale about a holiday let that isn't going as planned. This leads the conversation to a past story about council involvement.
\n\nThe chat this week includes:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"Stuart and Simon start out this week with a tale about a holiday let that isn't going as planned. This leads the conversation to a past story about council involvement.","date_published":"2021-03-24T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/8bb75c58-f223-4eae-9f55-d4f863173141.mp3","mime_type":"audio/mpeg","size_in_bytes":15702432,"duration_in_seconds":1608}]},{"id":"d25a7667-79f0-4956-a92a-38d57802533a","title":"Episode 68: Stamp duty holiday extension effects","url":"https://www.thebusinessofproperty.com/68","content_text":"Simon and Stuart discuss what the stamp duty holiday extension means for them and end up telling a tale of new-build woe.\n\nSorry for the lower than normal sound quality.\n\nThe discussion this week included:\n\n\nChanging plans from the stamp duty holiday extension.\nHouse builders hedging their bets.\nVisiting your new (pre-)build.\nSeeing the \"insides\".\nA troublesome new-build completion tale.\nShort notice to completion.\nWhat are your experiences and effects from the stamp duty holiday? Let us know\n\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"Simon and Stuart discuss what the stamp duty holiday extension means for them and end up telling a tale of new-build woe.
\n\nSorry for the lower than normal sound quality.
\n\nThe discussion this week included:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"Simon and Stuart discuss what the stamp duty holiday extension means for them and end up telling a tale of new-build woe.","date_published":"2021-03-17T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/d25a7667-79f0-4956-a92a-38d57802533a.mp3","mime_type":"audio/mpeg","size_in_bytes":12318912,"duration_in_seconds":1500}]},{"id":"559dd194-d8e0-4a31-a866-032f24b36204","title":"Episode 67: Selling four properties","url":"https://www.thebusinessofproperty.com/67","content_text":"This week Stuart and Simon talk about the four properties that Stuart currently has on the market, in various stages of the selling process. Including one property that's a fully tenanted HMO.\n\nThe chat this week includes:\n\n\nSelling a fully tenanted HMO.\nReleasing equity to reduce finance burdens.\nComparing single dwelling value to fully licensed HMO.\nReconfiguring back to a single dwelling.\nChildren cooking!\nInfluence of the street/location on property uses.\nOffers without viewing.\nInvesting on numbers alone.\nReducing revenue to increase business profit percentage.\nTrying to solve EWS1 problems.\nOffers accepted.\n\n\nPlease leave us a rating and review if you're enjoying the show.","content_html":"This week Stuart and Simon talk about the four properties that Stuart currently has on the market, in various stages of the selling process. Including one property that's a fully tenanted HMO.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"This week Stuart and Simon talk about the four properties that Stuart currently has on the market, in various stages of the selling process. Including one property that's a fully tenanted HMO.","date_published":"2021-03-10T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/559dd194-d8e0-4a31-a866-032f24b36204.mp3","mime_type":"audio/mpeg","size_in_bytes":13503648,"duration_in_seconds":1461}]},{"id":"ab93b364-bafa-4727-98b8-94a04c99027b","title":"Episode 66: Starting in property series - evaluating two potential investment properties","url":"https://www.thebusinessofproperty.com/66","content_text":"Follow along as Simon walks through his thoughts from evaluating two potential investment properties that were recently available at auction.\n\nThe discussion this week included:\n\n\nSimon's investment criteria.\nConsidering flats (a block of) vs houses.\nDeep dive into two evaluating two auction properties:\nDetached house in Redhill - multiple bidders, sold for £278k from a £180k guide.\nBlock of flats in Redhill - one bid, sold for asking at £550k. \nUsing PaTMa to quickly evaluate property investment scenarios.\n\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"Follow along as Simon walks through his thoughts from evaluating two potential investment properties that were recently available at auction.
\n\nThe discussion this week included:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"Follow along as Simon walks through his thoughts from evaluating two potential investment properties that were recently available at auction.","date_published":"2021-03-03T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/ab93b364-bafa-4727-98b8-94a04c99027b.mp3","mime_type":"audio/mpeg","size_in_bytes":17128800,"duration_in_seconds":1914}]},{"id":"69c33a9a-656f-4428-8350-03486a579b34","title":"Episode 65: Starting in property series - locations and funding with Pam and Tania, part 2","url":"https://www.thebusinessofproperty.com/65","content_text":"Pam and Tania continue their recent conversation with Stuart and Simon, with a focus on angel investing and choosing locations. The chat also covers the changing world and property market, along with adapting to cope with it.\n\nThis is part 2 of the discussion, you can find part 1 here.\n\nThe chat this week includes:\n\n\nHow to find angel investors.\nPam & Tania's Deal Diaries.\nDiscussing potential deals.\nLearning while you earn.\nBeing confident the deal and business are strong enough.\nIt's lovely to understand why people invest.\nPam and Tania's location selection strategy.\nShoe leather investigations.\nBenefits of working with others.\nSimilar values rather than similar skills.\nDemand analysis is hard at the moment.\nShifting investment strategies.\nDistance to train stations.\nForced change of tenant type (still the same people).\nCrawley Property Meet.\nA wandering goose.\n\n\nPlease leave us a rating and review if you're enjoying the show.Special Guests: Pam Mackenzie and Tania Carson.","content_html":"Pam and Tania continue their recent conversation with Stuart and Simon, with a focus on angel investing and choosing locations. The chat also covers the changing world and property market, along with adapting to cope with it.
\n\nThis is part 2 of the discussion, you can find part 1 here.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
Special Guests: Pam Mackenzie and Tania Carson.
","summary":"Pam and Tania continue their recent conversation with Stuart and Simon, with a focus on angel investing and choosing locations. The chat also covers the changing world and property market, along with adapting to cope with it.","date_published":"2021-02-24T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/69c33a9a-656f-4428-8350-03486a579b34.mp3","mime_type":"audio/mpeg","size_in_bytes":21060480,"duration_in_seconds":2758}]},{"id":"ac6967e4-29a3-4c3a-a94f-f46fd9541667","title":"Episode 64: Starting in property series - locations and funding with Pam and Tania, part 1","url":"https://www.thebusinessofproperty.com/64","content_text":"Pam and Tania join Stuart and Simon to chat about how they've very deliberately chosen their investment locations. They also talk about their investment strategy, how they got started and their approaches to funding from external investors.\n\nPart 2 of this chat can be found here.\n\nThe discussion this week included:\n\n\nChoosing investment location deliberately.\nDemand, transport links, cash flow.\nInvesting with minimal money-in.\n5 bedrooms was a game changer.\nCrawley Property Meet.\n5 HMOs in 18 months.\nDemand going down from oversupply.\nKeeping your ears open.\nNever buy a ready made house.\nOn the edge of Article 4.\nMaximising bedrooms (with windows!).\nDesperation!\nJoint venture vs angel financing.\nGetting the JV balance/structure right.\nInterest rates for angel investors.\n\n\nIf you've enjoyed this podcast, please tell someone else about it.Special Guests: Pam Mackenzie and Tania Carson.","content_html":"Pam and Tania join Stuart and Simon to chat about how they've very deliberately chosen their investment locations. They also talk about their investment strategy, how they got started and their approaches to funding from external investors.
\n\nPart 2 of this chat can be found here.
\n\nThe discussion this week included:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
Special Guests: Pam Mackenzie and Tania Carson.
","summary":"Pam and Tania join Stuart and Simon to chat about how they've very deliberately chosen their investment locations. They also talk about their investment strategy, how they got started and their approaches to funding from external investors.","date_published":"2021-02-17T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/ac6967e4-29a3-4c3a-a94f-f46fd9541667.mp3","mime_type":"audio/mpeg","size_in_bytes":13799952,"duration_in_seconds":1832}]},{"id":"aa567fab-e4e9-484b-bdf4-4b2b7069c36e","title":"Episode 63: Starting in property series - Considering funding","url":"https://www.thebusinessofproperty.com/63","content_text":"Property investment needs money - funds to invest when getting started and also to fuel growth. Simon and Stuart chat about their own considerations and approaches to using external funds for their property investment.\n\nThe chat this week includes:\n\n\nBeing offered money.\nThe stress of other peoples money.\nIndividuals vs banks.\nOvercoming fears for business growth.\nDifficult investor conversations.\nCoping with unexpected change.\nFriends and family as investors.\nRequirements from investors.\nLife savings.\nDriving faster.\n\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"Property investment needs money - funds to invest when getting started and also to fuel growth. Simon and Stuart chat about their own considerations and approaches to using external funds for their property investment.
\n\nThe chat this week includes:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"Property investment needs money - funds to invest when getting started and also to fuel growth. Simon and Stuart chat about their own considerations and approaches to using external funds for their property investment.","date_published":"2021-02-10T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/aa567fab-e4e9-484b-bdf4-4b2b7069c36e.mp3","mime_type":"audio/mpeg","size_in_bytes":11897098,"duration_in_seconds":1539}]},{"id":"65086e9c-7e94-4155-8190-fbfa173c4498","title":"Episode 62: Updates - Leaving things to the last moment","url":"https://www.thebusinessofproperty.com/62","content_text":"Taking a quick break from the getting started in property series, Stuart and Simon run through the latest updates from their property businesses.\n\nThe discussion this week included:\n\n\nStuart's design led refurbishment has it's first tenant.\nView the agent listing here and some photos at the end of this weeks show notes, including the custom artwork.\nStuart's Executive Juice podcast.\nDoubling income from a property.\nThe downward pricing spiral.\nReviewing the refurbishment process.\nTrusting your building team.\nFalling through.\nSwallow the frog!\nPro-active support from Interbay.\nLeasehold / managing agent battles.\nLeasehold reforms.\nTenant eviction for a sale.\nAvoiding viewings to reduce Covid19 risks.\nLeaving things to the last moment.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nAfter refurbishment:\n\n\n\n","content_html":"Taking a quick break from the getting started in property series, Stuart and Simon run through the latest updates from their property businesses.
\n\nThe discussion this week included:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nAfter refurbishment:
\n\n![\"HMO](\"https://files.fireside.fm/file/fireside-uploads/images/4/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/Kgb9RajU.jpg\")
\n![\"HMO](\"https://files.fireside.fm/file/fireside-uploads/images/4/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/hoJeYcx6.jpg\")
\n![\"HMO](\"https://files.fireside.fm/file/fireside-uploads/images/4/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/9Xh2egRo.jpg\")
Simon and Stuart continue their series on starting in property, this week continuing on being aware of your inputs and moving on to a discussion around choosing your investment location.
\n\nThe chat this week includes:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
\n\n![\"Investment](\"https://files.fireside.fm/file/fireside-uploads/images/4/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/ut5PEmHy.jpg\")
![\"Learnings](\"https://files.fireside.fm/file/fireside-uploads/images/4/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/F_n2PkhG.jpg\")
Stuart and Simon try to look at resources that you need to consider when planning property investment and get a little sidetracked into discussing personal vs limited company ownership of investment property.
\n\nThe discussion this week included:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"Stuart and Simon try to look at resources that you need to consider when planning property investment and get a little sidetracked into discussing personal vs limited company ownership of investment property.","date_published":"2021-01-20T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/a3ed1ae7-ebaf-47e2-9040-aaf22ec97d78.mp3","mime_type":"audio/mpeg","size_in_bytes":17680335,"duration_in_seconds":1902}]},{"id":"357ae325-215d-4759-9b4c-e43816561737","title":"Episode 59: Starting in property series - Reasons","url":"https://www.thebusinessofproperty.com/59","content_text":"Responding to listener feedback, Simon and Stuart are starting a series of discussions about starting property investment. Initially with reasons and why this week, then covering early decisions, processes and even real potential properties.\n\nThe chat this week includes:\n\n\nWhy we chose property.\nOur property back story, part 1\nOur property back story, part 2\nA lot of effort for passive income.\nProperty vs stocks and shares.\n\"Imaginary\" stocks and shares.\nConsidering property funds.\nAsset liquidity.\nProperty Partner - as not remembered by Simon.\nGet rich quick?\nGetting early cash out.\nLong-term decision making is better.\nLong term wealth growth.\nProperty values double every ten years.\nROI / Return On Investment.\nBRR (Buy Refurbish Refinance) has challenges.\nPaTMa Prospector now includes BRRR scenario calculation.\n\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"Responding to listener feedback, Simon and Stuart are starting a series of discussions about starting property investment. Initially with reasons and why this week, then covering early decisions, processes and even real potential properties.
\n\nThe chat this week includes:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"Responding to listener feedback, Simon and Stuart are starting a series of discussions about starting property investment. Initially with reasons and why this week, then covering early decisions, processes and even real potential properties.","date_published":"2021-01-13T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/357ae325-215d-4759-9b4c-e43816561737.mp3","mime_type":"audio/mpeg","size_in_bytes":17194179,"duration_in_seconds":1838}]},{"id":"437cb7bd-a1c5-437d-aa3e-36936457db17","title":"Episode 58: Getting 2021 started","url":"https://www.thebusinessofproperty.com/58","content_text":"Stuart and Simon are looking ahead to what their 2021 might hold and more specifically how they're getting it started.\n\nThe discussion this week included:\n\n\nLooking to buy.\nSimon's property type preference.\nConsidering buying with existing tenants in place.\nRent from day one.\nConsidering the risks - with restricted eviction options.\nSection 21 vs Section 8.\nROI / Return On Investment.\nCalculating ROI.\nSimon's target ROI.\nStuart's yield hurdle.\nLooking to consolidate.\n2021 should be a year with plenty of excitement.\n\n\nPlease leave us a rating and review if you're enjoying the show.","content_html":"Stuart and Simon are looking ahead to what their 2021 might hold and more specifically how they're getting it started.
\n\nThe discussion this week included:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"Stuart and Simon are looking ahead to what their 2021 might hold and more specifically how they're getting it started.","date_published":"2021-01-06T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/437cb7bd-a1c5-437d-aa3e-36936457db17.mp3","mime_type":"audio/mpeg","size_in_bytes":12672348,"duration_in_seconds":1410}]},{"id":"d045c9b7-8ac0-4f32-9654-27510d350fbf","title":"Episode 57: News and reviewing our 2020 goals","url":"https://www.thebusinessofproperty.com/57","content_text":"This week is a mix of news, updates and reviewing the goals Simon and Stuart set themselves for 2020.\n\nThe chat this week includes:\n\n\nWelsh stamp duty increase - use the PaTMa buy-to-let profit calculator to see the latest figures.\nStamp duty increase for overseas investors.\nPrime London property as a store of money.\nSold!\nStuart's design led refurbishment.\nFinancial challenges.\n\n\nWe hope you've had an enjoyable Christmas and wish you well for 2021.","content_html":"This week is a mix of news, updates and reviewing the goals Simon and Stuart set themselves for 2020.
\n\nThe chat this week includes:
\n\nWe hope you've had an enjoyable Christmas and wish you well for 2021.
","summary":"This week is a mix of news, updates and reviewing the goals Simon and Stuart set themselves for 2020.","date_published":"2020-12-30T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/d045c9b7-8ac0-4f32-9654-27510d350fbf.mp3","mime_type":"audio/mpeg","size_in_bytes":10384280,"duration_in_seconds":1121}]},{"id":"29298090-806d-4a26-8558-19cf935bb2c1","title":"Episode 56: Updates and hindsight to property topics of 2020","url":"https://www.thebusinessofproperty.com/56","content_text":"In a slightly longer than normal episode, Stuart and Simon look back over their topics of property conversation in 2020. Bringing new insights, updates and the benefit of hindsight into the discussion.\n\nSome of the topics covered this week include:\n\n\nA lucky escape.\nExpected changes for landlords in 2020.\nProperty investment glossary.\nProperty strategy glossary.\nThe property market at the start of Covid-19.\nComing out of lockdown for the property market.\nHMO's are dead!.\nMortgage effects of a bounce back loan.\nIn-depth review of an HMO refurbishment.\nA room full of plaster.\nProperty market stats part 1.\nProperty market stats part 2.\nChanges to the eviction process - Section 21 and Section 8.\nThe property market around lockdown 2 and down-valuations.\nA petition for extending the Stamp Duty Holiday.\nLooking at the details of rent to rent (R2HMO).\n\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"In a slightly longer than normal episode, Stuart and Simon look back over their topics of property conversation in 2020. Bringing new insights, updates and the benefit of hindsight into the discussion.
\n\nSome of the topics covered this week include:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"In a slightly longer than normal episode, Stuart and Simon look back over their topics of property conversation in 2020. Bringing new insights, updates and the benefit of hindsight into the discussion.","date_published":"2020-12-23T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/29298090-806d-4a26-8558-19cf935bb2c1.mp3","mime_type":"audio/mpeg","size_in_bytes":22721784,"duration_in_seconds":2499}]},{"id":"5df8b7ca-6efc-4eb9-b73a-a20f238409d2","title":"Episode 55: There's a lot going on","url":"https://www.thebusinessofproperty.com/55","content_text":"Simon and Stuart talk about their latest property updates - there's a lot going on!\n\nIf you're looking for a property to purchase and would like to share your progress, please let us know. We'd also love to hear your property challenges.\n\nThe chat this week includes:\n\n\nLast minute sale issues.\nLand registry plan updates.\nHard to contact solicitors.\n6.5% property price increase in the last year.\nSelling: flat in Croydon, flat in Kingston, flat in Plymouth.\nOct 2019 + \"3-6 month\" project = expected completion in January 2021!\nFall-through due to down-valuation.\nBoxing day marketing.\nPurchasing: a new home, a pub, a maisonette.\nRefurbishing: a trendy HMO, a R2R HMO.\nIn the pipeline: two more R2R deals.\nHaving the right team.\n\n\nPlease leave us a rating and review if you're enjoying the show.\n\nA petition for extending the Stamp Duty Holiday","content_html":"Simon and Stuart talk about their latest property updates - there's a lot going on!
\n\nIf you're looking for a property to purchase and would like to share your progress, please let us know. We'd also love to hear your property challenges.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
\n\nA petition for extending the Stamp Duty Holiday
","summary":"Simon and Stuart talk about their latest property updates - there's a lot going on!","date_published":"2020-12-16T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/5df8b7ca-6efc-4eb9-b73a-a20f238409d2.mp3","mime_type":"audio/mpeg","size_in_bytes":15166728,"duration_in_seconds":1648}]},{"id":"a6bda879-65da-45ec-bbed-33bc7c7883db","title":"Episode 54: Getting (re-)started in Rent to Rent","url":"https://www.thebusinessofproperty.com/54","content_text":"Stuart and Simon take a thorough look at recent experience of getting back into doing rent to rent deals.\n\nThe discussion this week included:\n\n\nWhy rent to rent.\nRent to HMO and Rent to SA.\nR2R input and output.\nArticle 4 areas.\nPlanning and licensing.\nKnowing your market.\nR2R vs letting agent.\nFinding R2R deals.\nEven R2R requires capital investment.\nIt takes time, effort and money.\n\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"Stuart and Simon take a thorough look at recent experience of getting back into doing rent to rent deals.
\n\nThe discussion this week included:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"Stuart and Simon take a thorough look at recent experience of getting back into doing rent to rent deals.","date_published":"2020-12-09T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/a6bda879-65da-45ec-bbed-33bc7c7883db.mp3","mime_type":"audio/mpeg","size_in_bytes":15907611,"duration_in_seconds":1778}]},{"id":"935537b6-4379-4eda-a273-562b58137abc","title":"Episode 53: What are mortgage companies doing?","url":"https://www.thebusinessofproperty.com/53","content_text":"Simon and Stuart are back with more updates this week, with several things changing already.\n\nThe chat this week includes:\n\n\nUpdate on the damp survey mentioned last week.\nCosts of sale.\nLong term holding can create some large CGT bills.\nBeware CGT doesn't overtake equity when mortgaging.\n(More) down-valuations!\nFall-through.\nA great studio flat in Kingston.\nOur recent chat with estate agent Emma.\nPrice increase instead of stamp duty.\nWhat are mortgage companies doing?\nEWS1 no longer needed for blocks with no cladding.\nCatch 22 by Joseph Heller.\n\n\nPlease leave us a rating and review if you're enjoying the show.","content_html":"Simon and Stuart are back with more updates this week, with several things changing already.
\n\nThe chat this week includes:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"Simon and Stuart are back with more updates this week, with several things changing already.","date_published":"2020-12-02T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/935537b6-4379-4eda-a273-562b58137abc.mp3","mime_type":"audio/mpeg","size_in_bytes":14133396,"duration_in_seconds":1560}]},{"id":"674e6b72-f6cf-4f0c-a0e1-5a8cdf515722","title":"Episode 52: A mortgage offer in your back pocket","url":"https://www.thebusinessofproperty.com/52","content_text":"Stuart and Simon provide updates on their recent property experiences and chat about viewings, mortgages and the stamp duty holiday (again).\n\nThe discussion this week included:\n\n\nMortgage required before viewing.\nCheeky new-build viewing requirements.\nMore surveys.\nDamp.\nSpeed (or not) of selling.\nWill the stamp duty holiday now help to keep sales alive?\n\"In progress\" sales are nearly 50% higher than last year.\nExtending the stamp duty holiday.\n\"Only 25% of sales agreed in Q1 complete by the end of March.\"\n\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"Stuart and Simon provide updates on their recent property experiences and chat about viewings, mortgages and the stamp duty holiday (again).
\n\nThe discussion this week included:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"Stuart and Simon provide updates on their recent property experiences and chat about viewings, mortgages and the stamp duty holiday (again).","date_published":"2020-11-25T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/674e6b72-f6cf-4f0c-a0e1-5a8cdf515722.mp3","mime_type":"audio/mpeg","size_in_bytes":13170515,"duration_in_seconds":1439}]},{"id":"e8cb3f4d-b06c-4491-b77d-f41c9cfe67d7","title":"Episode 51: Pent up demand was massive","url":"https://www.thebusinessofproperty.com/51","content_text":"Emma joins Simon and Stuart once again to chat about the world (and property market) from her view running an estate agency.\n\nPlease accept our apologies for some slight sound issues.\n\nThe chat this week includes:\n\n\nSummary of the last few months property market.\nThe stamp duty holiday deadline.\nDemand is slowing down, a little.\nThe property market can function as normal during this lockdown.\nThings are moving slooooowly in the sales process.\nDown-valuations!\nPrices are up!\nLockdown or Christmas.\nMarket predictions.\n\n\nEmma's property business is Estate Agents Hub.\n\nPlease leave us a rating and review if you're enjoying the show.Special Guest: Emma Halliwell Marks.","content_html":"Emma joins Simon and Stuart once again to chat about the world (and property market) from her view running an estate agency.
\n\nPlease accept our apologies for some slight sound issues.
\n\nThe chat this week includes:
\n\nEmma's property business is Estate Agents Hub.
\n\nPlease leave us a rating and review if you're enjoying the show.
Special Guest: Emma Halliwell Marks.
","summary":"Emma joins Simon and Stuart once again to chat about the world (and property market) from her view running an estate agency.","date_published":"2020-11-18T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/e8cb3f4d-b06c-4491-b77d-f41c9cfe67d7.mp3","mime_type":"audio/mpeg","size_in_bytes":10260335,"duration_in_seconds":1107}]},{"id":"48212c2b-6d21-410e-9e25-a1ecc897b746","title":"Episode 50: Property listing and pricing stats","url":"https://www.thebusinessofproperty.com/50","content_text":"Simon and Stuart chat through a couple of graphs showing how the property market has behaved so far this year.\n\nThe discussion this week included:\n\n\nStats collected thanks to the PaTMa property browser extension.\nYou might be able to see the graphs included below, if not use these links: graph 1 and graph 2.\nChristmas is coming!\nWas the post-lockdown (v1) market hype, overhyped.\nSellers and agents building stamp duty savings into their price.\nOur previous market stats podcast.\nOur conversation with Tom.\nOccasional down-valuations causing mortgage (and re-mortgage) issues for some.\nWhat's coming next for (changes in) property prices.\n\n\nThe graphs being discussed:\n\n\n\n\n\nIf you can't see the graph images above, you can click these links to view each graph:\n\n\nActive property listings, Jan 2020 base\nProperties changing price per week\n\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"Simon and Stuart chat through a couple of graphs showing how the property market has behaved so far this year.
\n\nThe discussion this week included:
\n\nThe graphs being discussed:
\n\n![\"Active](\"https://blog.patma.co.uk/images/graphs/active-listings-jan2020-base.png\")
![\"Properties](\"https://blog.patma.co.uk/images/graphs/market-change-per-week.png\")
If you can't see the graph images above, you can click these links to view each graph:
\n\n\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"Simon and Stuart chat through a couple of graphs showing how the property market has behaved so far this year.","date_published":"2020-11-11T05:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/48212c2b-6d21-410e-9e25-a1ecc897b746.mp3","mime_type":"audio/mpeg","size_in_bytes":15032258,"duration_in_seconds":1584}]},{"id":"aee08a1e-c3df-46e4-9f17-10ecfc906139","title":"Episode 49: A meaningless average","url":"https://www.thebusinessofproperty.com/49","content_text":"Stuart and Simon discuss a Covid-19 influenced viewing experience, stamp duty and the speed (or not) of completing a sale.\n\nThe chat this week includes:\n\n\nAwkward property viewings.\nVendor vs agent viewing styles.\nThe additional stamp duty rate on your primary residence.\nThe stamp duty holiday rates (spreadsheet).\nAnother offer has been accepted (via a new agent).\nTrying to complete by Christmas.\nAverage of 77 days for a \"proceedable offer\".\nAverage of 123 days for conveyancing.\nPurchases missing the stamp duty holiday.\nMortgage delays, perhaps leading to sale failures.\nA meaningless average.\n\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"Stuart and Simon discuss a Covid-19 influenced viewing experience, stamp duty and the speed (or not) of completing a sale.
\n\nThe chat this week includes:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"Stuart and Simon discuss a Covid-19 influenced viewing experience, stamp duty and the speed (or not) of completing a sale.","date_published":"2020-11-04T06:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/aee08a1e-c3df-46e4-9f17-10ecfc906139.mp3","mime_type":"audio/mpeg","size_in_bytes":13563398,"duration_in_seconds":1420}]},{"id":"c1e62f59-fe0a-4477-83b9-03c476475025","title":"Episode 48: The market decides","url":"https://www.thebusinessofproperty.com/48","content_text":"This week the chat is focussed around auctions, advertised property prices and agent fees; with a few updates thrown in along the way.\n\nThe discussion this week included:\n\n\nLast weeks chat with Tom Soane.\nStuart's offer(s).\nEWS1 delights.\nReducing for cash.\nTesting seriousness with little hurdles.\nMethod of modern auction.\nGuide prices - on auctions and not.\nEmma's past chat about portal usage.\nProperty listings that advertise a price range/band.\nAuctions moving online, in multiple styles, in the age of Covid-19.\nFees involved in auctions.\n\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"This week the chat is focussed around auctions, advertised property prices and agent fees; with a few updates thrown in along the way.
\n\nThe discussion this week included:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"This week the chat is focussed around auctions, advertised property prices and agent fees; with a few updates thrown in along the way.","date_published":"2020-10-28T06:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/c1e62f59-fe0a-4477-83b9-03c476475025.mp3","mime_type":"audio/mpeg","size_in_bytes":19902514,"duration_in_seconds":2114}]},{"id":"b1bc3756-2b52-4336-9d6f-de5e93f5137c","title":"Episode 47: Property investing with Tom Soane","url":"https://www.thebusinessofproperty.com/47","content_text":"Simon and Stuart are joined by Tom Soane to chat about some of Tom's experiences in property, from how he got started to his current projects.\n\nThe discussion this week included:\n\n\nTom's transition from gamekeeper to poacher (or maybe the other way around).\nThe difference between planning investments for others and making them yourself.\nContinuing despite fear.\nUsing investor money vs your own money.\nUnderstanding risk.\nLooking at the mathematics when analysing property deals.\nInvesting in Newcastle.\nPutting together a remote team.\nMake use of property data - from Land Registry and PaTMa.\nChoosing your time to sell.\nThe use of \"guide price\" in property listings.\n\n\nYou can find Tom on Facebook or reach him through his sales and letting agency Pink Street.\n\nPlease leave us a rating and review if you're enjoying the show.Special Guest: Tom Soane.","content_html":"Simon and Stuart are joined by Tom Soane to chat about some of Tom's experiences in property, from how he got started to his current projects.
\n\nThe discussion this week included:
\n\nYou can find Tom on Facebook or reach him through his sales and letting agency Pink Street.
\n\nPlease leave us a rating and review if you're enjoying the show.
Special Guest: Tom Soane.
","summary":"Simon and Stuart are joined by Tom Soane to chat about some of Tom's experiences in property, from how he got started to his current projects.","date_published":"2020-10-21T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/b1bc3756-2b52-4336-9d6f-de5e93f5137c.mp3","mime_type":"audio/mpeg","size_in_bytes":21216240,"duration_in_seconds":2431}]},{"id":"8c5cce40-a760-498e-8326-e75292d93e89","title":"Episode 46: A tsunami of homelessness","url":"https://www.thebusinessofproperty.com/46","content_text":"This week is a chat around asking tenants to leave, evictions and some alternative approaches to solving problems. Stuart and Simon also discuss the \"tsunami\" of homelessness the reopened courts are about to cause!\n\nThe chat this week includes:\n\n\nAlternative to serving an official eviction notice.\nOpen and honest communication.\nNot without risk.\nEvictions with rent arrears.\nOverdue rent and direct payment from Universal Credit.\nAdjusting homes to fit your means.\n\"You know what the rent is\".\nWill there be a tsunami of evictions?\nCourt capacity - already scheduling for October 2021.\n\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"This week is a chat around asking tenants to leave, evictions and some alternative approaches to solving problems. Stuart and Simon also discuss the "tsunami" of homelessness the reopened courts are about to cause!
\n\nThe chat this week includes:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"This week is a chat around asking tenants to leave, evictions and some alternative approaches to solving problems. Stuart and Simon also discuss the \"tsunami\" of homelessness the reopened courts are about to cause!","date_published":"2020-10-14T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/8c5cce40-a760-498e-8326-e75292d93e89.mp3","mime_type":"audio/mpeg","size_in_bytes":17810887,"duration_in_seconds":1869}]},{"id":"eff6af7a-1730-4502-a0d8-6cab94ab8f7d","title":"Episode 45: Increasing property transactions","url":"https://www.thebusinessofproperty.com/45","content_text":"Simon and Stuart chat about a recent article in the Financial Times claiming property transactions are increasing thanks to the stamp duty holiday. Show notes include a link to the source data.\n\nThis week's conversation covered:\n\n\nHouse sales climb for second month.\nBased on HMRC figures using stamp duty records (direct PDF link).\nToo early to be from the stamp duty holiday.\nHigh LTV mortgage products are currently rare.\nTransactions are recovering well, but they're currently still down from last year.\nWas the stamp duty holiday too early?\nWill the stamp duty holiday be extended?\nA lot of the recovery in transactions will just be catching up from what was missed.\nSold, STC!\nOn the market for less than 10 days.\nHome information packs to speed up conveyancing.\nDon't believe the blockchain hype!\n\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"Simon and Stuart chat about a recent article in the Financial Times claiming property transactions are increasing thanks to the stamp duty holiday. Show notes include a link to the source data.
\n\nThis week's conversation covered:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"Simon and Stuart chat about a recent article in the Financial Times claiming property transactions are increasing thanks to the stamp duty holiday. Show notes include a link to the source data.","date_published":"2020-10-07T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/eff6af7a-1730-4502-a0d8-6cab94ab8f7d.mp3","mime_type":"audio/mpeg","size_in_bytes":15968037,"duration_in_seconds":1647}]},{"id":"8d1b1146-9286-4413-863f-edd481b4675d","title":"Episode 44: Apply due diligence to property training","url":"https://www.thebusinessofproperty.com/44","content_text":"Stuart and Simon actually manage to chat about property training, without getting sidetracked. Listen to last weeks episode for the first part of the property training chat, then get the deeper dive in this episode.\n\nThe discussion this week includes:\n\n\nContinuing from last week about property training.\nSome years ago Stuart attended a Property Protege course.\nDo due diligence before choosing training.\nOn the job/property training.\nThe Property Entreprenuer book.\nIt's important to understand: what is it you want to get from training?\nValue from content: 7/10.\nTime vs money = DIY research vs training.\nNo training is going to make you a millionaire in 90 days.\nEven \"reputable\" training included an up-sell at the end.\nBe clear about why you've chosen that training course.\nThat may mean some background learning before you start any training.\nMentorship can be another good option for property education.\nCheck their qualifications and experience.\nSearching on Property Tribes is a good start for due diligence.\nTry online property forums while physical property events are limited.\nLots of free resources are available from Property Hub.\nDon't use debt to pay for training - put in time and find free resources instead.\n\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"Stuart and Simon actually manage to chat about property training, without getting sidetracked. Listen to last weeks episode for the first part of the property training chat, then get the deeper dive in this episode.
\n\nThe discussion this week includes:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"Stuart and Simon actually manage to chat about property training, without getting sidetracked. Listen to last weeks episode for the first part of the property training chat, then get the deeper dive in this episode.","date_published":"2020-09-30T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/8d1b1146-9286-4413-863f-edd481b4675d.mp3","mime_type":"audio/mpeg","size_in_bytes":16168712,"duration_in_seconds":1779}]},{"id":"6fa30254-02b7-4b44-80f6-b21170e86a42","title":"Episode 43: From property training to running viewings","url":"https://www.thebusinessofproperty.com/43","content_text":"Simon and Stuart attempt to talk about \"property training\" and \"property courses\" but accidentally end up chatting about doing your own viewings for prospective tenants and the apparent high demand for London short term lets.\n\nThis week's conversation covered:\n\n\nBeing a (lapsed) certified landlord.\nThe NLA, RLA and now the NRLA.\nContinuing professional development (CPD).\nAs a landlord, there are some responsibilities that you cannot outsource.\nStuart's studio flat in Kingston is still for sale.\nSelf-letting via Visum.\nA viewers surprise that a property looks just like the listing!\nShort term letting while trying to sell.\nDoing your own tenant referencing.\nHigh demand for a furnished, short term let.\n\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"Simon and Stuart attempt to talk about "property training" and "property courses" but accidentally end up chatting about doing your own viewings for prospective tenants and the apparent high demand for London short term lets.
\n\nThis week's conversation covered:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"Simon and Stuart attempt to talk about \"property training\" and \"property courses\" but accidentally end up chatting about doing your own viewings for prospective tenants and the apparent high demand for London short term lets.","date_published":"2020-09-23T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/6fa30254-02b7-4b44-80f6-b21170e86a42.mp3","mime_type":"audio/mpeg","size_in_bytes":14243311,"duration_in_seconds":1523}]},{"id":"62f55ae9-3129-4c17-bdb7-5fa934a52942","title":"Episode 42: Changing eviction landscape","url":"https://www.thebusinessofproperty.com/42","content_text":"Stuart talks about his problem tenant situation and the current tenant eviction rules which seem to be the subject of weekly government announcements at the moment.\n\nThe discussion this week includes:\n\n\nProblem tenants, of the not-paying kind.\nChanging eviction notice periods and rules.\nCommunication is key.\nThe new normal is (generally) six months notice.\nThere are some notice period exceptions though!\nTenants need to take ownership and communicate to make new plans.\nScotland's tenant hardship loans for rent arrears.\nShould landlords be left holding the can.\nThe business of property does have inherent risks that must be accepted.\n\n\nFor the keen eared - the change in sound near the end was due to a recording issue and Stuart needing to repeat what he'd said, not because we had to cut out a long rant!\n\nAs predicted, there have indeed been more eviction rule changes since we recorded.\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"Stuart talks about his problem tenant situation and the current tenant eviction rules which seem to be the subject of weekly government announcements at the moment.
\n\nThe discussion this week includes:
\n\nFor the keen eared - the change in sound near the end was due to a recording issue and Stuart needing to repeat what he'd said, not because we had to cut out a long rant!
\n\nAs predicted, there have indeed been more eviction rule changes since we recorded.
\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"Stuart talks about his problem tenant situation and the current tenant eviction rules which seem to be the subject of weekly government announcements at the moment.","date_published":"2020-09-16T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/62f55ae9-3129-4c17-bdb7-5fa934a52942.mp3","mime_type":"audio/mpeg","size_in_bytes":13667676,"duration_in_seconds":1450}]},{"id":"9e07db65-5569-4eca-8494-bbdaa7ac841b","title":"Episode 41: Property is a long term game","url":"https://www.thebusinessofproperty.com/41","content_text":"Stuart and Simon chat about their (very) long-term goals and how their portfolios might change as they get older, perhaps even providing a form of \"exit strategy\".\n\nThis week's conversation covered:\n\n\nSimon's property in Brighton in finally for sale. There's also a virtual tour.\nStuart talks about the change to looking for cash buyers.\nInvestors from Hong Kong seems to be a noticeable thing, including numbers registering for Property and Tenant Manager.\nAn overrunning and challenging project.\nSlower market than expected.\nOur take on exit strategies from The Property Podcast.\nLonger term, pension scale, goals and strategy.\nGrowing a property business for institutional investors.\nAdjusting a portfolio for simplification.\nTurning towards paying off mortgages.\nHow stable is the property market (and world). \nProperty is a long-term game.\n\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"Stuart and Simon chat about their (very) long-term goals and how their portfolios might change as they get older, perhaps even providing a form of "exit strategy".
\n\nThis week's conversation covered:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"Stuart and Simon chat about their (very) long-term goals and how their portfolios might change as they get older, perhaps even providing a form of \"exit strategy\".","date_published":"2020-09-09T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/9e07db65-5569-4eca-8494-bbdaa7ac841b.mp3","mime_type":"audio/mpeg","size_in_bytes":16105781,"duration_in_seconds":1670}]},{"id":"9797b78b-2660-4c04-bb86-665751d758ad","title":"Episode 40: Leasehold pains (vs freehold)","url":"https://www.thebusinessofproperty.com/40","content_text":"Which should you buy - leasehold or freehold? Simon and Stuart discuss their experiences and evolving thinking on this important property decision.\n\nThis week's conversation covered:\n\n\nTales of woe in leasehold blocks.\nLease extensions.\nShare of freehold.\nReverse freehold.\nUnexpected leaseholder costs and challenges.\nA converted flat with the building freehold.\nUsing a management agent for block management/maintenance.\nChoosing your (property) challenges.\n\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"Which should you buy - leasehold or freehold? Simon and Stuart discuss their experiences and evolving thinking on this important property decision.
\n\nThis week's conversation covered:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"Which should you buy - leasehold or freehold? Simon and Stuart discuss their experiences and evolving thinking on this important property decision.","date_published":"2020-09-02T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/9797b78b-2660-4c04-bb86-665751d758ad.mp3","mime_type":"audio/mpeg","size_in_bytes":14966872,"duration_in_seconds":1599}]},{"id":"98d67ae7-3790-4cfc-a14a-d97f5849989b","title":"Episode 39: Don't lose sleep about it","url":"https://www.thebusinessofproperty.com/39","content_text":"Updates and chat from Stuart and Simon; talking about title changes, selling and dealing with cladding on flats.\n\nThe discussion this week includes:\n\n\nCreating two properties from one - title splitting.\nThe wonders of bank communications.\nDelays at the Land Registry.\nSimon has decided to put a property on the market (listing not live in time!).\nStuart also has two properties for sale: studio flat in Kingston and a 2/3 bed flat in Croydon and is seeing some interest.\nRegional price variations.\nEWS1 form - External Wall Fire Review.\n\"Don't lose sleep about it\" - from a bank.\n\n\nIf you've enjoyed this podcast, please tell someone else about it.","content_html":"Updates and chat from Stuart and Simon; talking about title changes, selling and dealing with cladding on flats.
\n\nThe discussion this week includes:
\n\nIf you've enjoyed this podcast, please tell someone else about it.
","summary":"Updates and chat from Stuart and Simon; talking about title changes, selling and dealing with cladding on flats.","date_published":"2020-08-26T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/98d67ae7-3790-4cfc-a14a-d97f5849989b.mp3","mime_type":"audio/mpeg","size_in_bytes":16428011,"duration_in_seconds":1718}]},{"id":"37079a0b-9bee-4511-8a5c-63c58c69add6","title":"Episode 38: First R2R (rent-to-rent)","url":"https://www.thebusinessofproperty.com/38","content_text":"Simon opens with his \"extensive\" updates before Stuart and Simon chat a little about title splitting and lots about rent-to-rent.\n\nThe chat this week includes:\n\n\nTitle splitting mortgage mechanics.\nFinding opportunities with a \"rent-to-rent campaign\".\nHow rent-to-rent can work for both the owner and R2R-er.\nQuick R2SA and R2HMO explainer.\nDetails to consider when starting a R2R project.\nHow Article 4 HMO restrictions can change the dynamics.\nSharing costs in a R2R project.\nStuart still has two flats on the market: studio flat in Kingston and a 2/3 bed flat in Croydon.\n\n\nMake sure you're subscribed in your favourite podcast software to get our next episode early.","content_html":"Simon opens with his "extensive" updates before Stuart and Simon chat a little about title splitting and lots about rent-to-rent.
\n\nThe chat this week includes:
\n\nMake sure you're subscribed in your favourite podcast software to get our next episode early.
","summary":"Simon opens with his \"extensive\" updates before Stuart and Simon chat a little about title splitting and lots about rent-to-rent.","date_published":"2020-08-19T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/37079a0b-9bee-4511-8a5c-63c58c69add6.mp3","mime_type":"audio/mpeg","size_in_bytes":16493504,"duration_in_seconds":1675}]},{"id":"d961a9c1-7ce8-44a5-852b-6f652f7b7175","title":"Episode 37: HMO refurb deep dive","url":"https://www.thebusinessofproperty.com/37","content_text":"This week is a deep dive into Stuart's current HMO refurbishment project.\n\nThe discussion this week includes:\n\n\nRefurbishing an underperforming student HMO into a trendy young professional HMO.\nCreating an environment that tenants like living in and want to take care of.\nA detailed walk through of the property with room by room changes.\nGoing for an \"industrial\" feel.\nRemoving, moving and adding walls.\nOddities of split/mid level rooms.\nFeature decorations.\nKitchen selection, complete with anti-viral copper handles.\nAttracting the highest room rates.\nConsidering a \"live wall\".\nEarly furniture thoughts.\n\n\n\n\nPlease make sure you're subscribed in your favourite podcast software to get out next episode first.","content_html":"This week is a deep dive into Stuart's current HMO refurbishment project.
\n\nThe discussion this week includes:
\n\n![\"HMO](\"https://blog.patma.co.uk/images/bop/stuart-hmo-floorplan.jpg\")
Please make sure you're subscribed in your favourite podcast software to get out next episode first.
","summary":"This week is a deep dive into Stuart's current HMO refurbishment project.","date_published":"2020-08-12T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/d961a9c1-7ce8-44a5-852b-6f652f7b7175.mp3","mime_type":"audio/mpeg","size_in_bytes":18815735,"duration_in_seconds":1867}]},{"id":"920a53e1-69c9-464a-bc34-a6afb66be406","title":"Episode 36: On your tenth, it's a lot easier","url":"https://www.thebusinessofproperty.com/36","content_text":"The property chat this week starts with stamp duty holidays and wanders through Land Registry title changes and on to selling a couple of flats.\n\nThe discussion this week included:\n\n\nThe stamp duty \"holiday\" has changed Simon's plans.\nHow do you correct a Land Registry title plan.\nStuart has completed his (long running) title split.\nThe first time you do it, there's going to be a big learning curve.\nMandatory HMO property licensing.\nStuart has a great studio flat in Kingston for sale. Initial interest has been good.\nStuart is also testing the market for a 2/3 bed flat in Croydon.\nEstate agents seem to be very busy.\nViewing an empty flat is quite easy, even in Covid times.\nMore utility supplier woes.\n\n\nPlease leave us a rating and review if you're enjoying the show.","content_html":"The property chat this week starts with stamp duty holidays and wanders through Land Registry title changes and on to selling a couple of flats.
\n\nThe discussion this week included:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"The property chat this week starts with stamp duty holidays and wanders through Land Registry title changes and on\r\nto selling a couple of flats.","date_published":"2020-08-05T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/920a53e1-69c9-464a-bc34-a6afb66be406.mp3","mime_type":"audio/mpeg","size_in_bytes":14354615,"duration_in_seconds":1510}]},{"id":"cd194e5c-b845-47d0-8a30-25c3b4a0e512","title":"Episode 35: Property market stats","url":"https://www.thebusinessofproperty.com/35","content_text":"Stuart and Simon talk stats. Comparing the property market in 2020, with all it's ups and downs, to the much more steady 2019.\n\nIncluded in this weeks discussion (and see below for the graphs):\n\n\nThree interesting graphs based on data collected by PaTMa's price history browser extension.\n30% fewer properties currently on the market.\nThree key phases of 2020 are clearly visible:\n\n\n\"Boris bounce\"\nCovid19 era\nLockdown easing\n\n90% fewer properties being brought onto the market.\nCan school holidays be seen in the data.\nThe total number of properties compared to 2019 has still been falling.\nNearly 50% more properties leaving the market in January 2020.\nNearly 40% higher (than 2019) leaving rate as lockdown eases.\nAre all properties \"on the market\" really available.\n\n\nGraphs being discussed:\n\n\n\n\n\n\n\nIf you can't see the graph images above, you can click these links to view each graph:\n\n\nMarketed properties year-on-year change 2020\nProperties joining the market, year-on-year change 2020\nProperties leaving the market, year-on-year change 2020\n\n\nPlease leave us a rating and review if you're enjoying the show.","content_html":"Stuart and Simon talk stats. Comparing the property market in 2020, with all it's ups and downs, to the much more steady 2019.
\n\nIncluded in this weeks discussion (and see below for the graphs):
\n\nGraphs being discussed:
\n\n![\"Marketed](\"https://blog.patma.co.uk/images/graphs/marketed-properties_2020-07-19.png\")
![\"Properties](\"https://blog.patma.co.uk/images/graphs/joining-the-market_2020-07-19.png\")
![\"Properties](\"https://blog.patma.co.uk/images/graphs/leaving-the-market_2020-07-19.png\")
If you can't see the graph images above, you can click these links to view each graph:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"","date_published":"2020-07-29T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/cd194e5c-b845-47d0-8a30-25c3b4a0e512.mp3","mime_type":"audio/mpeg","size_in_bytes":9003765,"duration_in_seconds":1541}]},{"id":"87141df3-29e2-4846-a2b6-63faec5e016e","title":"Episode 34: Getting ready to sell (and buy)","url":"https://www.thebusinessofproperty.com/34","content_text":"Simon and Stuart talk over Stuart's updates and recent experiences with estate agents, banks and more.\n\nThe discussion this week included:\n\n\nAgent experiences and choices getting ready to sell.\nCapital Gains Tax and possible off-sets.\nPurple Bricks vs local agents.\nSuccessful valuation.\nBounce Back Loan gets raised (again) by a bank - Stuart manages not to swear!\n\n\nPlease leave us a rating and review if you're enjoying the show.","content_html":"Simon and Stuart talk over Stuart's updates and recent experiences with estate agents, banks and more.
\n\nThe discussion this week included:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"Simon and Stuart talk over Stuart's updates and recent experiences with estate agents, banks and more.","date_published":"2020-07-22T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/87141df3-29e2-4846-a2b6-63faec5e016e.mp3","mime_type":"audio/mpeg","size_in_bytes":10379329,"duration_in_seconds":1683}]},{"id":"7bf351fa-6b10-492a-b0e8-c21fec87ecac","title":"Episode 33: So what if it drops 20%","url":"https://www.thebusinessofproperty.com/33","content_text":"Stuart and Simon chat about their thinking as they approach a changing property market outlook, and how they could approach it better.\n\nRecorded on Tuesday 7th July - before the Summer Statement!\n\nThe discussion this week included:\n\n\nStuart's words linger in Simon's thoughts!\nCash reserves make for a stronger position to offer from.\nPossible implications of a stamp duty \"holiday\".\nSimon is wrong about the stamp duty reduction applying to investors!\nShould you try to \"time the market\".\nProperty paperwork can take a long time.\n\"When you're inside the bottle, it's hard to read the label.\"\nAnecdotal property market stats from PaTMa's price history extension.\nWhen will people start talking about the recession.\nShould predicted price drops stop you from buying.\nChoosing mortgage products to fit market forecasts.\n\"So what if it drops 20%!\"\n\n\nPlease leave us a rating and review if you're enjoying the show.","content_html":"Stuart and Simon chat about their thinking as they approach a changing property market outlook, and how they could approach it better.
\n\nRecorded on Tuesday 7th July - before the Summer Statement!
\n\nThe discussion this week included:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"Stuart and Simon chat about their thinking as they approach a changing property market outlook, and how they could approach it better.","date_published":"2020-07-15T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/7bf351fa-6b10-492a-b0e8-c21fec87ecac.mp3","mime_type":"audio/mpeg","size_in_bytes":9815774,"duration_in_seconds":1619}]},{"id":"04bf58ec-e7b7-4cd3-a235-2ef00d63e13b","title":"Episode 32: Remortgages with vegeballs!","url":"https://www.thebusinessofproperty.com/32","content_text":"Simon and Stuart would like to know what you always \"accidentally\" pick up when visiting IKEA? They also talk a bit about property, especially student HMOs.\n\nSome of topics and links from this week:\n\n\nRemortgages.\nSpending on a young professional refurb.\nSolicitors involved in title splitting.\nWhy split a 13-bed freehold title.\nTrends in student accommodation - occupancy rates in larger HMOs.\nCinema rooms, art rooms and gyms.\nPBSA - Purpose Built Student Accommodation.\nHow Stuart's flip project has been reconfigured to gain a bedroom (or two).\nRandom IKEA purchases - bamboo, kitchen utensils or something else? Please let us know!\nCroydon selective licensing.\nCouncil licensing data is available on PaTMa.\nIKEA Vegetable balls!\n\n\nPlease leave us a rating and review if you're enjoying the show. Or let us know what you always manage to pick up unexpectedly when visiting IKEA?","content_html":"Simon and Stuart would like to know what you always "accidentally" pick up when visiting IKEA? They also talk a bit about property, especially student HMOs.
\n\nSome of topics and links from this week:
\n\nPlease leave us a rating and review if you're enjoying the show. Or let us know what you always manage to pick up unexpectedly when visiting IKEA?
","summary":"Simon and Stuart would like to know what you always \"accidentally\" pick up when visiting IKEA? They also talk a bit about property, especially student HMOs.","date_published":"2020-07-08T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/04bf58ec-e7b7-4cd3-a235-2ef00d63e13b.mp3","mime_type":"audio/mpeg","size_in_bytes":9404595,"duration_in_seconds":1517}]},{"id":"8f2ce317-f18f-4af3-b926-a2307bb18678","title":"Episode 31: Progress on 2020 goals (vs Covid-19)","url":"https://www.thebusinessofproperty.com/31","content_text":"Stuart and Simon revisit the goals they set for 2020 and reflect on their progress, including how Covid-19 has impacted them.\n\nSome of topics and links from this week:\n\n\nOur 2020 goals episode.\nOur property investment terms episode.\nRemortgaging with loan to value, rental cover and stress tests being mentioned.\nRisk of having a higher mortgage vs the risk of having less cash in the bank.\nStudents vs young professionals for HMO rooms.\nManaging HMO heating with Time:o:stat.\n\n\nPlease leave us a rating and review if you're enjoying the show.","content_html":"Stuart and Simon revisit the goals they set for 2020 and reflect on their progress, including how Covid-19 has impacted them.
\n\nSome of topics and links from this week:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"Stuart and Simon revisit the goals they set for 2020 and reflect on their progress, including how Covid-19 has impacted them.","date_published":"2020-07-01T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/8f2ce317-f18f-4af3-b926-a2307bb18678.mp3","mime_type":"audio/mpeg","size_in_bytes":10076947,"duration_in_seconds":1662}]},{"id":"2ff898ea-6a60-470e-8399-cb5129ce2f75","title":"Episode 30: Property obsessions","url":"https://www.thebusinessofproperty.com/30","content_text":"Simon and Stuart chat about some of the recent enhancements in Simon's property software (PaTMa) before the conversation wanders onto \"property porn\"!\n\nSome of the topics from this week:\n\n\nThe new investor focussed Property search from PaTMa.\nUsing re-listed properties to find motivated sellers.\nHave median house prices really gone up during lockdown.\nAre relationship \"changes\" driving rental demand.\nNumber 1, The Thames\nQuirky properties and those for idle curiosity.\nUnderground farming.\nRoyal Mail underground museum.\nSearching and monitoring planning applications.\n\n\nPlease leave us a rating and review if you're enjoying the show.","content_html":"Simon and Stuart chat about some of the recent enhancements in Simon's property software (PaTMa) before the conversation wanders onto "property porn"!
\n\nSome of the topics from this week:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"Simon and Stuart chat about some of the recent enhancements in Simon's property software (PaTMa) before the conversation wanders onto \"property porn\"!","date_published":"2020-06-24T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/2ff898ea-6a60-470e-8399-cb5129ce2f75.mp3","mime_type":"audio/mpeg","size_in_bytes":8652001,"duration_in_seconds":1473}]},{"id":"133fe344-9e8b-42be-94f4-24a9df81b6c8","title":"Episode 29: Bounce Back Loan = No Mortgage!","url":"https://www.thebusinessofproperty.com/29","content_text":"Stuart shares his ongoing experience with the Bounce Back Loan Scheme (BBLS) and how it's now interacting with his latest mortgage application.\n\nSome of the topics from this week:\n\n\nTMW use a bounce back loan to turn down an application.\nAre lenders being over cautious.\nMissing tenants.\nIs there, will there ever be, a cap on the price small properties can reach.\nUniversal Credit tenants as an investment strategy.\n\n\nPlease leave us a rating and review if you're enjoying the show.","content_html":"Stuart shares his ongoing experience with the Bounce Back Loan Scheme (BBLS) and how it's now interacting with his latest mortgage application.
\n\nSome of the topics from this week:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"Stuart shares his ongoing experience with the Bounce Back Loan Scheme (BBLS) and how it's now interacting with his latest mortgage application.\r\n","date_published":"2020-06-17T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/133fe344-9e8b-42be-94f4-24a9df81b6c8.mp3","mime_type":"audio/mpeg","size_in_bytes":9614221,"duration_in_seconds":1545}]},{"id":"f9802134-31a4-4986-a874-ab0a699e639f","title":"Episode 28: HMOs are dead!","url":"https://www.thebusinessofproperty.com/28","content_text":"HMOs are dead! Or are they? Simon and Stuart explore the topic.\n\nNo spoilers this week, you'll have to listen to find out what Stuart and Simon think the future may hold for houses of multiple occupation.\n\nCBILS and Bounce Back Loans also get a mention.\n\nPlease leave us a rating and review if you're enjoying the show.","content_html":"HMOs are dead! Or are they? Simon and Stuart explore the topic.
\n\nNo spoilers this week, you'll have to listen to find out what Stuart and Simon think the future may hold for houses of multiple occupation.
\n\nCBILS and Bounce Back Loans also get a mention.
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"HMO's are dead! Or are they? Simon and Stuart explore the topic.","date_published":"2020-06-10T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/f9802134-31a4-4986-a874-ab0a699e639f.mp3","mime_type":"audio/mpeg","size_in_bytes":9074516,"duration_in_seconds":1477}]},{"id":"df4c2d44-aa0a-4794-b33f-24da34a250c9","title":"Episode 27: The property market as lockdown lifts","url":"https://www.thebusinessofproperty.com/27","content_text":"Emma once again joins Stuart and Simon to chat about the current state of the property market now that estate agents are opening up again.\n\nThis weeks chatter includes:\n\n\nEmma has been reading lots of government guidance to make sure that Estate Agents Hub is ready to function while keeping everyone as safe as possible.\nVirtual viewings come in a few flavours, some with music!\nProperty transactions put on hold by Covid-19 have rapidly sprung back to life.\nPeople earlier in the process seem to be more mixed.\nWhat are prices doing right now.\nWill more people be wanting to move to the countryside.\nWorking from home being a long-term change will affect home priorities.\nFun and games in the property portal space.\n\n\nNote: this episode was recorded on the 22nd May.\n\nPlease leave us a rating and review if you're enjoying the show.Special Guest: Emma Halliwell Marks.","content_html":"Emma once again joins Stuart and Simon to chat about the current state of the property market now that estate agents are opening up again.
\n\nThis weeks chatter includes:
\n\nNote: this episode was recorded on the 22nd May.
\n\nPlease leave us a rating and review if you're enjoying the show.
Special Guest: Emma Halliwell Marks.
","summary":"Emma once again joins Stuart and Simon to chat about the current state of the property market now that estate agents are opening up again.","date_published":"2020-06-03T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/df4c2d44-aa0a-4794-b33f-24da34a250c9.mp3","mime_type":"audio/mpeg","size_in_bytes":9519395,"duration_in_seconds":1509}]},{"id":"09c96043-ff53-4f2d-b69c-27220a19398e","title":"Episode 26: It's all about rent","url":"https://www.thebusinessofproperty.com/26","content_text":"Stuart and Simon discuss their rent receipt situations, shaky airport futures, along with the delights and risks of furlough.\n\nSome of the topics in the chat this week:\n\n\nPro-active rent reductions.\nThe short term future for Gatwick is looking uncertain.\nTenant job losses.\nStudent rent payments seem better than they could be!\nTenant communication (and difficulties with it).\nWhat will September bring for students.\nIs furlough just redundancy in waiting.\nWill more people be saving for the future.\nDo we actually have more time.\nStuart's flip project is nearly ready, really!\nSnagging by paper aeroplane.\n\n\nPlease leave us a rating and review if you're enjoying the show.","content_html":"Stuart and Simon discuss their rent receipt situations, shaky airport futures, along with the delights and risks of furlough.
\n\nSome of the topics in the chat this week:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"Stuart and Simon discuss their rent receipt situations, shaky airport futures, along with the delights and risks of furlough.","date_published":"2020-05-27T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/09c96043-ff53-4f2d-b69c-27220a19398e.mp3","mime_type":"audio/mpeg","size_in_bytes":9670048,"duration_in_seconds":1553}]},{"id":"f1d3ab65-e82a-4012-82c6-7c2482ae0c69","title":"Episode 25: Property re-opens, CBILS and BBLS","url":"https://www.thebusinessofproperty.com/25","content_text":"Simon and Stuart chat about things getting going again in the property world along with their thoughts on CBILS and BBLS borrowing.\n\nSome of the topics discussed this week:\n\n\nStuart's refinances seem to be coming back to life.\nWill mortgage payment holidays damage your ability to borrow in the future.\nThe first rule is \"Survive!\".\nWhen a lender doesn't want to lend, they'll find a way.\nApplying for CBILS (Coronavirus Business Interruption Loan Scheme).\nCould BBLS (Bounce Back Loan Scheme) be available for landlords.\nWhy would a property business take CBILS or BBLS.\nWhat would/should a property business use a government loan for.\n\n\nPlease leave us a rating and review if you're enjoying the show.","content_html":"Simon and Stuart chat about things getting going again in the property world along with their thoughts on CBILS and BBLS borrowing.
\n\nSome of the topics discussed this week:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"Simon and Stuart chat about things getting going again in the property world along with their thoughts on CBILS and BBLS borrowing.","date_published":"2020-05-20T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/f1d3ab65-e82a-4012-82c6-7c2482ae0c69.mp3","mime_type":"audio/mpeg","size_in_bytes":10013986,"duration_in_seconds":1588}]},{"id":"2b9454a4-ce1d-432d-97eb-063e62bd70e5","title":"Episode 24: What can we do in lockdown","url":"https://www.thebusinessofproperty.com/24","content_text":"Stuart and Simon set out to chat about some positive actions that can be taken to improve your property business during lockdown and end up talking about the power of multiplication.\n\nSome of the topics discussed this week:\n\n\nCatching up on paperwork and thanks to PaTMa, having property tax return figures are ready to go.\nHaving a very pleasant chat with HMRC.\nReview your mortgages, don't let them languish on standard variable rates (SVR) - PaTMa can help with automated reminders.\n1% is not a small number!\nGetting a handle on all the other records, certificates, etc that a property business needs to function properly.\nInvesting a long day on utility bills to help take control of costs.\nCan companies like Look After my Bills be useful to make life, staying on top of utility costs, easier.\nThe Big Deal also gets a mention for finding cheaper utility supplies.\nThe profit comes from the final room.\nMultiplication is deceptively powerful.\n\n\nPlease leave us a rating and review if you're enjoying the show.","content_html":"Stuart and Simon set out to chat about some positive actions that can be taken to improve your property business during lockdown and end up talking about the power of multiplication.
\n\nSome of the topics discussed this week:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"Stuart and Simon set out to chat about some positive actions that can be taken to improve your property business during lockdown and end up talking about the power of multiplication.","date_published":"2020-05-13T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/2b9454a4-ce1d-432d-97eb-063e62bd70e5.mp3","mime_type":"audio/mpeg","size_in_bytes":8633506,"duration_in_seconds":1466}]},{"id":"a06a3664-a1c0-42f4-ad04-f4c61090f215","title":"Episode 23: A lot has changed!","url":"https://www.thebusinessofproperty.com/23","content_text":"In this update episode, Stuart and Simon chat about what's been changing in their property businesses in recent weeks.\n\nSome of the topics covered in the chat:\n\n\nStuart has experienced finance options being withdrawn.\nBuilding works have stopped - due to isolation needs!\nTrying to get up-valuations from a \"desktop valuation\" is tricky.\nSimon's experiences with rent payments during lockdown.\nPaTMa is still making improvements, now supporting Scottish and Welsh stamp duty. Complete with automatic detection from the postcode for the property browser extension.\nAn experience with the great people working in the NHS.\n\n\nPlease leave us a rating and review if you're enjoying the show.","content_html":"In this update episode, Stuart and Simon chat about what's been changing in their property businesses in recent weeks.
\n\nSome of the topics covered in the chat:
\n\nPlease leave us a rating and review if you're enjoying the show.
","summary":"In this update episode, Stuart and Simon chat about what's been changing in their property businesses in recent weeks.","date_published":"2020-05-06T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/a06a3664-a1c0-42f4-ad04-f4c61090f215.mp3","mime_type":"audio/mpeg","size_in_bytes":9129872,"duration_in_seconds":1553}]},{"id":"43b109af-550a-42c2-a5e9-ef4f167be543","title":"Episode 22: Our stories, part 2","url":"https://www.thebusinessofproperty.com/22","content_text":"The second, and final, part of Simon and Stuart's property back-story, continuing their \"how\" from part 1.\n\nSome of the topics in the chat covered:\n\n\nWere things planned?\nMaking crazy goals.\nA lot of property learning is actually business learning.\nDealing with a student non-payer.\nA buying-with-tenants experience.\n","content_html":"The second, and final, part of Simon and Stuart's property back-story, continuing their "how" from part 1.
\n\nSome of the topics in the chat covered:
\n\nThe first part of Stuart and Simon's property back-story, starting with "Why?".
\n\nWhy was property the business that they each chose? Simon and Stuart have very different answers!
\n\nStuart gets in a mention that some of his story is also available on Executive Juice - another excellent business podcast!
\n\nSimon discusses the difference between being "just" a landlord and being a deliberate property investor. Simon's property journey began in 2002.
\n\nStuart's property journey began in 2007. Both of them stepped up to being an investor a few years later.
\n\nFor Stuart he started with a studio flat before officially starting investment with a 1-bed flat. He then switched strategy and continued with a 5-bed HMO (and then some more).
\n\nSimon's route started with lodgers in his own house, expanding to an initial single-let a couple of years later.
","summary":"The first part of Stuart and Simon's property back-story, starting with \"Why?\".","date_published":"2020-04-22T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/77cfd685-a393-4423-9af3-4cafc52daf33.mp3","mime_type":"audio/mpeg","size_in_bytes":9142592,"duration_in_seconds":1636}]},{"id":"0017e533-60c1-44dc-a558-74fec01d0f0e","title":"Episode 20: Property financing during lockdown","url":"https://www.thebusinessofproperty.com/20","content_text":"Stuart and Simon are joined by mortgage expert Lee to discuss more of the impacts of COVID-19 on the property world, this time with a focus around financing and mortgages.\n\nWe chat about all sorts of changes and impacts including:\n\n\nMortgage holidays and how lenders are adapting to cope with the demand.\nDesktop valuations and their increased role.\nLooking for new approaches, maybe with drones!\nEnquiries are down, but those that remain are more serious.\nAll the talk about mortgages is spurring some landlords to use the idle time for remortgaging.\nThe recent base rate reductions.\n\n\nLee's business has been built with home working in mind from the start and he provides some tips on helping to keep your company communications working well with a remote team.\n\nCould this crisis lead to unexpected improvements for business and maybe even the world?\n\nLee is a director of OnPoint Mortgages.\n\nNote: this episode was recorded on the 31st March. Thanks to Simon's son for the audio version of the pre-episode reminder of this!Special Guest: Lee Langley.","content_html":"Stuart and Simon are joined by mortgage expert Lee to discuss more of the impacts of COVID-19 on the property world, this time with a focus around financing and mortgages.
\n\nWe chat about all sorts of changes and impacts including:
\n\nLee's business has been built with home working in mind from the start and he provides some tips on helping to keep your company communications working well with a remote team.
\n\nCould this crisis lead to unexpected improvements for business and maybe even the world?
\n\nLee is a director of OnPoint Mortgages.
\n\nNote: this episode was recorded on the 31st March. Thanks to Simon's son for the audio version of the pre-episode reminder of this!
Special Guest: Lee Langley.
","summary":"Stuart and Simon are joined by mortgage expert Lee to discuss more of the impacts of COVID-19 on the property world, this time with a focus around financing and mortgages.","date_published":"2020-04-15T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/0017e533-60c1-44dc-a558-74fec01d0f0e.mp3","mime_type":"audio/mpeg","size_in_bytes":10227403,"duration_in_seconds":1748}]},{"id":"a90a828f-7613-4b97-a05b-fa64250586d3","title":"Episode 19: Customer service first in estate agency","url":"https://www.thebusinessofproperty.com/19","content_text":"Emma returns to join Simon and Stuart, chatting about why and how she got started in her property business.\n\nDiscussion topics include:\n\n\nEmma's two businesses - speech therapy and Estate Agents Hub.\nGetting to know your customers, being open and honest, always putting them first.\nThe science and non-science of property valuations.\nBeing super flexible for the benefit of customers while balancing family with work.\nTaking children on viewings!\n\n\nNote: this episode was recorded before the COVID-19 lockdown.Special Guest: Emma Halliwell Marks.","content_html":"Emma returns to join Simon and Stuart, chatting about why and how she got started in her property business.
\n\nDiscussion topics include:
\n\nNote: this episode was recorded before the COVID-19 lockdown.
Special Guest: Emma Halliwell Marks.
","summary":"Emma returns to join Simon and Stuart, chatting about why and how she got started in her property business.","date_published":"2020-04-08T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/a90a828f-7613-4b97-a05b-fa64250586d3.mp3","mime_type":"audio/mpeg","size_in_bytes":10260031,"duration_in_seconds":1636}]},{"id":"e66b3b9e-8a21-4562-95e2-94d2224385e9","title":"Episode 18: Keep moving forwards","url":"https://www.thebusinessofproperty.com/18","content_text":"Simon and Stuart are settling into the new lock-down normal, struggling to keep track of the days, but otherwise still moving forwards with their property businesses.\n\nFollowing the supposed shutdown of the property market, Stuart still seems extremely busy. With valuations, refinancing, building works and title splits there's a lot going on! And it's almost all continuing at almost full steam!\n\nStuart and Simon discuss how current technology is allowing many to continue with life and work despite the social distancing requirements. It is a shame about all the zombie mailing lists being resurrected though.\n\nThe world is changing but it's still spinning. Property, business and life all continue to move forwards.\n\nPlease do get in touch and share your experiences of the property business in the these strange times.\n\nFor video conference technology we recommend Jitsi which is completely free and based on open source software, and Zoom.\n\nThis episode was recorded (remotely) on the 27th of March 2020.","content_html":"Simon and Stuart are settling into the new lock-down normal, struggling to keep track of the days, but otherwise still moving forwards with their property businesses.
\n\nFollowing the supposed shutdown of the property market, Stuart still seems extremely busy. With valuations, refinancing, building works and title splits there's a lot going on! And it's almost all continuing at almost full steam!
\n\nStuart and Simon discuss how current technology is allowing many to continue with life and work despite the social distancing requirements. It is a shame about all the zombie mailing lists being resurrected though.
\n\nThe world is changing but it's still spinning. Property, business and life all continue to move forwards.
\n\nPlease do get in touch and share your experiences of the property business in the these strange times.
\n\nFor video conference technology we recommend Jitsi which is completely free and based on open source software, and Zoom.
\n\nThis episode was recorded (remotely) on the 27th of March 2020.
","summary":"Simon and Stuart are settling into the new lock-down normal, struggling to keep track of the days, but otherwise still moving forwards with their property businesses.","date_published":"2020-04-01T06:00:00.000+01:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/e66b3b9e-8a21-4562-95e2-94d2224385e9.mp3","mime_type":"audio/mpeg","size_in_bytes":9431643,"duration_in_seconds":1467}]},{"id":"6f4cc1a8-f888-40bf-a89d-57af8abeaf9a","title":"Episode 17: A new property landscape","url":"https://www.thebusinessofproperty.com/17","content_text":"Stuart and Simon chat about updates in their property businesses, especially in light of the rapidly and drastically changing world we currently live in!\n\n(Please accept our apologies for slightly more background noise than normal on this episode.)\n\nNote this episode was recorded several days before release and before the most dramatic \"lockdown\" imposed early this week!\n\nWhat does the current world situation mean for Stuart's flip project that's just been finished and is now ready to be marketed.\n\nDo you have an emergency fund? How safe or strong is it looking now?\n\nSimon's update is more virus-free - an exciting update to the free PaTMa Property Tools browser extension.","content_html":"Stuart and Simon chat about updates in their property businesses, especially in light of the rapidly and drastically changing world we currently live in!
\n\n(Please accept our apologies for slightly more background noise than normal on this episode.)
\n\nNote this episode was recorded several days before release and before the most dramatic "lockdown" imposed early this week!
\n\nWhat does the current world situation mean for Stuart's flip project that's just been finished and is now ready to be marketed.
\n\nDo you have an emergency fund? How safe or strong is it looking now?
\n\nSimon's update is more virus-free - an exciting update to the free PaTMa Property Tools browser extension.
","summary":"Stuart and Simon chat about updates in their property businesses, especially in light of the rapidly and drastically changing world we currently live in!","date_published":"2020-03-25T06:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/6f4cc1a8-f888-40bf-a89d-57af8abeaf9a.mp3","mime_type":"audio/mpeg","size_in_bytes":7556508,"duration_in_seconds":1184}]},{"id":"e28e17c9-3b54-4531-b2f6-7e653a4b061b","title":"Episode 16: Has the property market caught COVID-19?","url":"https://www.thebusinessofproperty.com/16","content_text":"Simon and Stuart are joined this week by Emma! Given everyone is talking about the current virus outbreak, we thought we'd join in. The conversation covers what's happening already in the property world as well as what might be coming.\n\nSales transactions are being cancelled, viewings are down and those that do happen are more difficult. But there are video tours!\n\nStuart's flip project is nearly ready to come to market and he's refusing to be down-beat about his future with the property.\n\nThe property market started really well in 2020 - with a significant increase in the number of buyers around, especially those looking to move out of London.\n\nHow do you move house if you're in lock-down? Those who've recently exchanged with a set completion date coming up might have to find out!\n\nWhat can a landlord do if/when their tenants simply don't have money to pay rent due to COVID-19? Could we handle it like we normally would or does it have to be different because it's happening en-masse?\n\nCan the impact on the future of the property market be predicted? Can we even predict how long it will be before life gets back to normal?\n\nEveryone should be planning now, prepare your business while there's time - to both weather the storm and be ready to make the most of the recovery afterwards.\n\nEmma's property business is The Estate Agents Hub.\n\nThe official Government information on COVID-19 is here.Special Guest: Emma Halliwell Marks.","content_html":"Simon and Stuart are joined this week by Emma! Given everyone is talking about the current virus outbreak, we thought we'd join in. The conversation covers what's happening already in the property world as well as what might be coming.
\n\nSales transactions are being cancelled, viewings are down and those that do happen are more difficult. But there are video tours!
\n\nStuart's flip project is nearly ready to come to market and he's refusing to be down-beat about his future with the property.
\n\nThe property market started really well in 2020 - with a significant increase in the number of buyers around, especially those looking to move out of London.
\n\nHow do you move house if you're in lock-down? Those who've recently exchanged with a set completion date coming up might have to find out!
\n\nWhat can a landlord do if/when their tenants simply don't have money to pay rent due to COVID-19? Could we handle it like we normally would or does it have to be different because it's happening en-masse?
\n\nCan the impact on the future of the property market be predicted? Can we even predict how long it will be before life gets back to normal?
\n\nEveryone should be planning now, prepare your business while there's time - to both weather the storm and be ready to make the most of the recovery afterwards.
\n\nEmma's property business is The Estate Agents Hub.
\n\nThe official Government information on COVID-19 is here.
Special Guest: Emma Halliwell Marks.
","summary":"Simon and Stuart are joined this week by Emma! Given *everyone* is talking about the current virus outbreak, we thought we'd join in. The conversation covers what's happening already in the property world as well as what might be coming.","date_published":"2020-03-18T06:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/e28e17c9-3b54-4531-b2f6-7e653a4b061b.mp3","mime_type":"audio/mpeg","size_in_bytes":9250374,"duration_in_seconds":1528}]},{"id":"6e447285-0f4a-4675-a6c3-351f97c7b901","title":"Episode 15: Our property financing","url":"https://www.thebusinessofproperty.com/15","content_text":"Stuart and Simon talk about financing property and how they do it.\n\nSimon's oldest mortgage is actually still a residential one with consent to let and it's an old mortgage! In fact his oldest two mortgages are both very low trackers which makes them hard to give up, despite the potential to extract further funds.\n\nStuart doesn't have any old mortgages! He's strictly a short term, fixed rate, mortgage user. Aiming for maximum flexibility at minimum cost. He has even chosen flexibility and avoiding ERCs (Early Redemption Charges) over a cheaper rate at times!\n\nSimon and Stuart compare their typical LTV (Loan to Value) rates and discuss what a high LTV can mean. Is it safe and when does it matter?\n\nThe discussion moves on to bridging finance - how is it different from a traditional mortgage? Typical rates and the application process are discussed along with other factors.","content_html":"Stuart and Simon talk about financing property and how they do it.
\n\nSimon's oldest mortgage is actually still a residential one with consent to let and it's an old mortgage! In fact his oldest two mortgages are both very low trackers which makes them hard to give up, despite the potential to extract further funds.
\n\nStuart doesn't have any old mortgages! He's strictly a short term, fixed rate, mortgage user. Aiming for maximum flexibility at minimum cost. He has even chosen flexibility and avoiding ERCs (Early Redemption Charges) over a cheaper rate at times!
\n\nSimon and Stuart compare their typical LTV (Loan to Value) rates and discuss what a high LTV can mean. Is it safe and when does it matter?
\n\nThe discussion moves on to bridging finance - how is it different from a traditional mortgage? Typical rates and the application process are discussed along with other factors.
","summary":"Stuart and Simon talk about financing property and how they do it.","date_published":"2020-03-11T06:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/6e447285-0f4a-4675-a6c3-351f97c7b901.mp3","mime_type":"audio/mpeg","size_in_bytes":7920100,"duration_in_seconds":1335}]},{"id":"6505a47b-9d1c-4cd1-a270-d5447f76d766","title":"Episode 14: Updates and angel investing","url":"https://www.thebusinessofproperty.com/14","content_text":"Stuart and Simon provide updates ranging from football coaching to property angel investment.\n\nSimon is soon expecting his money back from a small angel investment project. Stuart and Simon discuss many of the aspects around making angel investments in property companies - effectively an unsecured loan to that company. Why would you? How does it work? \n\nIs there actually a \"Boris bounce\" in the early 2020 property market?\n\nThe 18-year property cycle gets a mention in relation to a recent Property Hub podcast episode.","content_html":"Stuart and Simon provide updates ranging from football coaching to property angel investment.
\n\nSimon is soon expecting his money back from a small angel investment project. Stuart and Simon discuss many of the aspects around making angel investments in property companies - effectively an unsecured loan to that company. Why would you? How does it work?
\n\nIs there actually a "Boris bounce" in the early 2020 property market?
\n\nThe 18-year property cycle gets a mention in relation to a recent Property Hub podcast episode.
","summary":"Stuart and Simon provide updates ranging from football coaching to property angel investment.","date_published":"2020-03-04T06:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/6505a47b-9d1c-4cd1-a270-d5447f76d766.mp3","mime_type":"audio/mpeg","size_in_bytes":8631423,"duration_in_seconds":1384}]},{"id":"5fe68857-ba30-4429-ac82-3eedabdfbec1","title":"Episode 13: Property strategy terms, glossary 2","url":"https://www.thebusinessofproperty.com/13","content_text":"What can you do with a property?\n\nBuy it!\n\nStuart and Simon cover a few terms around various property investment strategies:\n\n\nBuy to sell (also known as \"flipping\")\nRent to rent (R2R)\n\n\nRent to HMO (R2HMO)\nRent to SA (R2SA)\n\nBelow market value (BMV) - does it exist?\n\n\nOff market sellers\nMotivated sellers\n\nBuy to let (BTL)\n\n\nSingle let / vanilla BTL\nHouse of Multiple Occupation (HMO)\n\nArticle 4 / HMO planning permission\nServiced Accommodation / Holiday Lets / Short term lets\nBuy refurbish refinance (BRR)\n\"Light\" refurb\nBack to brick\nNo money down (NMD) / No money left in (NMLI)\n","content_html":"What can you do with a property?
\n\nBuy it!
\n\nStuart and Simon cover a few terms around various property investment strategies:
\n\nA starter glossary for some of the "stuff" that we talk about in property.
\n\nHave your calculators ready to follow along as Stuart and Simon discuss and define a number of the basic financial terms that are commonly used in property investment.
\n\nThe key terms covered in this episode are:
\n\nThere's also a slight diversion discussing the property holy grail - a deal with no money left in!
","summary":"A starter glossary for some of the \"stuff\" that we talk about in property.","date_published":"2020-02-19T06:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/60ccfb94-8f6e-4e71-8c6d-38b0ecde0b87.mp3","mime_type":"audio/mpeg","size_in_bytes":7912975,"duration_in_seconds":1441}]},{"id":"28d6241f-58de-4bdf-90a3-b856b4dfd16b","title":"Episode 11: Property valuations","url":"https://www.thebusinessofproperty.com/11","content_text":"One property, two estate agents, 150k difference in valuation!\n\nSimon and Stuart discuss property valuations, from estate agents, RICS, their own guesses and Zoopla. Wherever the valuation comes from, it can have a big influence on how your property is perceived in the market.","content_html":"One property, two estate agents, 150k difference in valuation!
\n\nSimon and Stuart discuss property valuations, from estate agents, RICS, their own guesses and Zoopla. Wherever the valuation comes from, it can have a big influence on how your property is perceived in the market.
","summary":"One property, two estate agents, 150k difference in valuation!","date_published":"2020-02-12T06:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/28d6241f-58de-4bdf-90a3-b856b4dfd16b.mp3","mime_type":"audio/mpeg","size_in_bytes":9531312,"duration_in_seconds":1540}]},{"id":"86f64c71-3b3f-48a1-9e97-2852c15ed9b5","title":"Episode 10: Time management","url":"https://www.thebusinessofproperty.com/10","content_text":"Where do you spend your time? How do you know? How do you plan your future time?\n\nSimon talks about his obsessive tracking of time, using Toggl and a helper app that makes switching between common items really quick.\n\nStuart discusses his time planning strategy and how the 12 Week Year approach has helped. It's important to focus on \"the big things\" rather than letting your time get filled up with all the little things.\n\nThere's a quick mention of using PaTMa to provide reminders for fixed rate mortgage expiry and of Stuart's other podcast, Executive Juice.\n\nBooks mentioned:\n\n\nThe Bullet Journal\nThe 12 Week Year\n","content_html":"Where do you spend your time? How do you know? How do you plan your future time?
\n\nSimon talks about his obsessive tracking of time, using Toggl and a helper app that makes switching between common items really quick.
\n\nStuart discusses his time planning strategy and how the 12 Week Year approach has helped. It's important to focus on "the big things" rather than letting your time get filled up with all the little things.
\n\nThere's a quick mention of using PaTMa to provide reminders for fixed rate mortgage expiry and of Stuart's other podcast, Executive Juice.
\n\nBooks mentioned:
\n\n","summary":"Where do you spend your time? How do you know? How do you plan your future time?","date_published":"2020-02-05T06:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/86f64c71-3b3f-48a1-9e97-2852c15ed9b5.mp3","mime_type":"audio/mpeg","size_in_bytes":8756791,"duration_in_seconds":1127}]},{"id":"beb082f0-4cd8-4cad-92fa-ddec5ae7ab1c","title":"Episode 9: Changes for landlords in 2020","url":"https://www.thebusinessofproperty.com/9","content_text":"Every year brings new regulations and changes to the property market. Stuart and Simon discuss some of the changes landlords need to be aware of that are coming in 2020. With only a few distractions along the way.\n\nThe landlords changes in 2020 discussed are:\n\n\nAll rental properties (including those with existing tenancies) must have an EPC rating of at least EPC E from April.\n\n\nThe EPC Register site.\n\nSection 24 will be in full effect from April (the new tax year), meaning finance costs such as mortgage interest can no longer be claimed as an expense against rental income.\n\n\nPaTMa provides a free buy to let profit calculator that includes Section 24 estimates (make sure you scroll down). There's also a re-mortgage version of the buy-to-let calculator that can be used for existing properties or entire portfolios.\n\nThe Tenant Fees Act 2019 prevented new tenancies from charging tenant fees, but where existing tenancy contracts included fee-charging clauses, those fees would still be due. From June 2020 these clauses are no longer valid and even existing tenancies can no longer charge fees.\n\n\nPaTMa has a free deposit calculator and the official Government guidance on the Tenant Fees Act is here.\n\nIt looks likely that Section 21 is going to be removed at some point (probably not finalised in 2020).\n\n\nThere are a number of articles around listing these and other changes for landlords (and letting agents) in 2020. A couple of example are these from OpenRent and Letting a Property.","content_html":"Every year brings new regulations and changes to the property market. Stuart and Simon discuss some of the changes landlords need to be aware of that are coming in 2020. With only a few distractions along the way.
\n\nThe landlords changes in 2020 discussed are:
\n\nThere are a number of articles around listing these and other changes for landlords (and letting agents) in 2020. A couple of example are these from OpenRent and Letting a Property.
","summary":"Every year brings new regulations and changes to the property market. Stuart and Simon discuss some of the changes landlords need to be aware of that are coming in 2020. With only a few distractions along the way.","date_published":"2020-01-29T06:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/beb082f0-4cd8-4cad-92fa-ddec5ae7ab1c.mp3","mime_type":"audio/mpeg","size_in_bytes":12139350,"duration_in_seconds":1925}]},{"id":"620e28c2-e90c-48c5-b60a-7c014bbf3773","title":"Episode 8: SDLT exceptions and selling tenanted","url":"https://www.thebusinessofproperty.com/8","content_text":"Stuarts talks about his ongoing experience with the legal ombudsman about a potential SDLT overpayment.\n\nSimon discusses (very little) progress on selling a property a property which spawns a chat about being fair to tenants (and landlords) when trying to sell tenanted properties.","content_html":"Stuarts talks about his ongoing experience with the legal ombudsman about a potential SDLT overpayment.
\n\nSimon discusses (very little) progress on selling a property a property which spawns a chat about being fair to tenants (and landlords) when trying to sell tenanted properties.
","summary":"Stamp duty with the legal ombudsman and transparency selling tenanted property.","date_published":"2020-01-22T06:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/620e28c2-e90c-48c5-b60a-7c014bbf3773.mp3","mime_type":"audio/mpeg","size_in_bytes":9811574,"duration_in_seconds":1140}]},{"id":"36482f98-2009-40d2-9f4e-4acc5bfc1c37","title":"Episode 7: Goals for 2020","url":"https://www.thebusinessofproperty.com/7","content_text":"Happy New Year! Let's set some property goals.\n\nSimon and Stuart both actually managed to take a rare break from property and work (but not family!) over the Christmas period. Of course it wasn't 100% restful - a leak did feature.\n\nSell, buy, buy, buy and focus; are the key plans!\n\nBooks mentioned:\n\n\nThe Road Less Stupid\nThe 12 Week Year\n\n\nThe sound quality on this episode is especially poor. I'm very sorry, audio editing is still a bit new to me!","content_html":"Happy New Year! Let's set some property goals.
\n\nSimon and Stuart both actually managed to take a rare break from property and work (but not family!) over the Christmas period. Of course it wasn't 100% restful - a leak did feature.
\n\nSell, buy, buy, buy and focus; are the key plans!
\n\nBooks mentioned:
\n\n\n\nThe sound quality on this episode is especially poor. I'm very sorry, audio editing is still a bit new to me!
","summary":"Happy New Year! Let's set some property goals.","date_published":"2020-01-15T06:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/36482f98-2009-40d2-9f4e-4acc5bfc1c37.mp3","mime_type":"audio/mpeg","size_in_bytes":7804930,"duration_in_seconds":1125}]},{"id":"d7c18d1f-579e-4310-8e3e-fba40f95195b","title":"Episode 6: Flipping flat and other podcasts","url":"https://www.thebusinessofproperty.com/6","content_text":"Stuart provides an introduction and update for his latest purchase - a flat that he's adding a bedroom to with the intention of flipping it.\n\nThere's a fleeting mention of the ongoing market uncertainty and then it's onto talking about other property podcasts:\n\n\nInside Property Investing\nExecutive Juice\nThe Property Podcast\n\n\nContropreneur episode and Mike's videos\nStarting property investment with 20k, Stuart got started with a 73k property and that was a better learning experience than an expensive training course!\n\nProperty Jam\nServiced Accommodation\n\n\nServiced Accommodation Secrets\n\nNoah Kagan Presents\nThe Missing Cryptoqueen\n\n\nSerial\n\nBusiness over Beers\n","content_html":"Stuart provides an introduction and update for his latest purchase - a flat that he's adding a bedroom to with the intention of flipping it.
\n\nThere's a fleeting mention of the ongoing market uncertainty and then it's onto talking about other property podcasts:
\n\nSimon provides an update on his investment plans, or rather lack of them, for the moment.
\n\nThe discussion wanders through the considerations and calculations when releasing equity to fund further investment and the returns that need to be achieved. Then onto remote investing, potential deals that hang around for a long, long time and taking on property challenges. Somehow the chat progresses to an update on a property in Reigate that keeps selling and falling through and ends up with talk of a restaurant that's closing down.
","summary":"Remortgage update and slow transactions","date_published":"2019-12-11T06:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/51b8b822-0141-414b-9924-597294695556.mp3","mime_type":"audio/mpeg","size_in_bytes":7465205,"duration_in_seconds":1079}]},{"id":"6e29ebf4-defc-4eae-891f-e93ebe0f0616","title":"Episode 4: HMO vs single let","url":"https://www.thebusinessofproperty.com/4","content_text":"HMO vs Single Let!\n\nStuart and Simon discuss the merits, or not, of their chosen (primary) property investment strategies.","content_html":"HMO vs Single Let!
\n\nStuart and Simon discuss the merits, or not, of their chosen (primary) property investment strategies.
","summary":"HMO vs single let!","date_published":"2019-12-04T06:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/6e29ebf4-defc-4eae-891f-e93ebe0f0616.mp3","mime_type":"audio/mpeg","size_in_bytes":7675144,"duration_in_seconds":1085}]},{"id":"bd6a75d8-0126-49db-80c5-b65397f9dc25","title":"Episode 3: Auction results and remortgaging","url":"https://www.thebusinessofproperty.com/3","content_text":"Stuart and Simon discuss auction results, recent and from the more distant past. With a wider chat about \"reading\" auction rooms.\n\nSimon talks about potentially remortgaging to pull out some equity to provide new deposits, with the basic financial details around that. Followed by a slightly deeper discussion about mortgage options, loan to value and rental cover stress tests.\n\nSimon can't do mental arithmetic, he wrote the PaTMa BTL profit calculator instead!\n\nStuart runs through the figures on one of his HMO investments.","content_html":"Stuart and Simon discuss auction results, recent and from the more distant past. With a wider chat about "reading" auction rooms.
\n\nSimon talks about potentially remortgaging to pull out some equity to provide new deposits, with the basic financial details around that. Followed by a slightly deeper discussion about mortgage options, loan to value and rental cover stress tests.
\n\nSimon can't do mental arithmetic, he wrote the PaTMa BTL profit calculator instead!
\n\nStuart runs through the figures on one of his HMO investments.
","summary":"Stuart and Simon discuss auction results, recent and from the more distant past. With a wider chat about \"reading\" auction rooms.","date_published":"2019-11-27T06:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/bd6a75d8-0126-49db-80c5-b65397f9dc25.mp3","mime_type":"audio/mpeg","size_in_bytes":8513140,"duration_in_seconds":1298}]},{"id":"fb8c54e1-4aee-495f-98d2-44dfa30a5b77","title":"Episode 2: Viewing properties","url":"https://www.thebusinessofproperty.com/2","content_text":"Simon and Stuart chat about what they look for when viewing properties. That leads onto a little about each of their chosen strategies and how that effects the type of property they look for.","content_html":"Simon and Stuart chat about what they look for when viewing properties. That leads onto a little about each of their chosen strategies and how that effects the type of property they look for.
","summary":"Chatting about the property viewing process.","date_published":"2019-11-20T06:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/fb8c54e1-4aee-495f-98d2-44dfa30a5b77.mp3","mime_type":"audio/mpeg","size_in_bytes":8508958,"duration_in_seconds":1389}]},{"id":"08d20094-7b4b-4b89-bba3-d99a99685a56","title":"Episode 1: Potential investments","url":"https://www.thebusinessofproperty.com/1","content_text":"Stuart and Simon talk about some properties that they've recently viewed as potential investments.\n\nStuart has viewed a ex-convent and Victorian house that's currently flats, both coming up for auction.\n\nSimon also talks about a house that's currently split into flats, seemingly the left-overs after it's garden had been built on. Plus a grade II listed Tudor house that's interesting but difficult to imagine an investment scenario for.\n\nThey discuss renovations, HMOs and current property pricing.","content_html":"Stuart and Simon talk about some properties that they've recently viewed as potential investments.
\n\nStuart has viewed a ex-convent and Victorian house that's currently flats, both coming up for auction.
\n\nSimon also talks about a house that's currently split into flats, seemingly the left-overs after it's garden had been built on. Plus a grade II listed Tudor house that's interesting but difficult to imagine an investment scenario for.
\n\nThey discuss renovations, HMOs and current property pricing.
","summary":"Stuart and Simon talk about some properties that they've recently viewed as potential investments.","date_published":"2019-11-13T06:00:00.000+00:00","attachments":[{"url":"https://chtbl.com/track/AC6376/aphid.fireside.fm/d/1437767933/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/08d20094-7b4b-4b89-bba3-d99a99685a56.mp3","mime_type":"audio/mpeg","size_in_bytes":6628849,"duration_in_seconds":1064}]}]}