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The Property Podcast

The Property Podcast from Property Hub (propertyhub.net) is the podcast for all property investors, new or experienced. Rob Bence and Rob Dix discuss a different property topic and property news item every week, passing on their knowledge and experience to the listeners. They both invest in UK property so they practise what they preach. No hard sell, no bull, just straight-talking property investment advice!
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Sep 12, 2019

We’re back for part two of Strategy September and this week we’re talking about HMO’s. 

The Robs have talked about HMO’s numerous times on The Property Podcast, but they wouldn’t consider themselves experts. 

So this week they’ve brought in another Rob who knows pretty much anything and everything about HMO’s.

Enter Rob from Maygreen Investments who, along with his wife Sarah, has built up a portfolio of HMO’s that are absolutely beautiful. You can have a nosey here

Here’s a little taster of what you can expect The Robs, and Rob, to cover:

  • What is a HMO? And an example of one
  • The advantages and disadvantages of a HMO
  • Who should be looking at investing in a HMO?
  • Some great tips from Rob if you’re looking at a HMO strategy

This is a jam-packed episode, so make sure you’re listening carefully and have a pen and paper at the ready. 

 

And in the news, we’re elaborating on an article we included in last Friday’s Hub Extra email - yes, we’re talking about politicians again. The article comes from The Daily Mail and it reads, ‘John McDonnell is to declare war on buy-to-let landlords by giving tenants the chance to purchase their property at a DISCOUNT price’. 

We might need to apologise in advance before you listen to this episode as The Robs get a little political on this topic. It’s not with the intention to offend, but quite frankly it’s all a bit ridiculous. We can’t blame them for voicing their opinions on something so bizarre. Have a listen and let us know your thoughts on the matter. 

 

And in this week’s Hub Extra, we’ve got a new podcast for you. This one is called ‘Land of the Giants’ and the concept is that in each of the series they’re going to focus on one of the tech giants like Google, Apple, and other similar businesses.

The first series is on Amazon, and each episode explores how Amazon has got to where they are today and how it’s not only evolved but changed the world as well. It’s a great podcast on the businesses that we just can’t seem to live without. 

 

We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do.

Make sure you’ve liked and subscribed to our YouTube channelwhere we upload new content every week!

If that wasn’t enough, you can also join our friendly property community on the Property Hub forum.

Sep 10, 2019

This week we’re back to normality and The Robs are answering two fantastic questions that have come in from our Hubbers. 

First up, we’ve got another Rob. He lives in Dubai and he’s got a whopping £500,000 to invest! He’s looking to invest his cash in the North of England and his strategy is to generate an income. 

Obviously being in Dubai, viewing properties is a little tricky for Rob, so he has no idea what kind of property he should be investing in or where he should ideally be looking to generate that income. 

Essentially, he’s asking Rob & Rob, if they had £500,000 to invest in the North of England, where and what would they buy?

So how would The Robs invest half a million pounds? Tune in to find out. 

Next we have Amy from Hastings. She and her partner are looking to invest and are in the process of releasing some equity from their residential property. 

To begin with they’re looking at buy-to-let properties in either Manchester or Leeds, but just off the bat, she wants to know Rob & Rob’s thoughts on Airbnb or serviced accommodation in general. 

She’s not run the numbers on it yet and before she wastes her time doing so, she’s wanting to know if it’s a good strategy to go with? 

Would Rob & Rob approve of a serviced accommodation strategy? 

Hit the play button to find out.

 

Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply). 

 

Or if you prefer, click here to leave a recording via your computer instead.

The next question on Ask Rob & Rob could be yours. 

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself.

Sep 5, 2019

We’ve got something exciting for you over the next few weeks. We’re bringing you ‘Strategy September’ and going back to basics discussing all the possible strategies that are out there. They’re going to be talking about flips, HMO’s and refurbs.

This week The Robs are kicking it off with buy-to-let and here’s what they’re going to cover in today’s episode:

  • What is buy-to-let?
  • Examples of buy-to-let properties 
  • The advantages
  • The disadvantages 
  • Who is it for?
  • Tips for finding the perfect deal

Plus, you’ll get to hear The Robs get personal and tell you all about how and why they got started in property in the first place, over 10 years ago.

Make sure you tune in, it’s going to be a good one!

 

This week our Hub Extra is an app called ‘Seven’ and it’s a seven minute workout app. Rob B came across this app after Jack Dawsy mentioned it when explaining how he plans out his week so he thought he’d give it a go. 

It basically gives you a seven minute workout and it’s been proven that if you do a high intensity workout (HIIT) that’s the minimum amount of exercise you need to do each day. So no more excuses not to go to the gym now! 



We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do.

 

Make sure you’ve liked and subscribed to our brand new YouTube channel where we upload new content every week!


If that wasn’t enough, you can also join our friendly property community on the Property Hub forum.

Sep 3, 2019

This week we have one question that’s taking centre stage. But it’s one that A LOT of you have been talking about... so here’s Vicky asking the question on everyone’s behalf. 

Her question is about the HS2. Since Boris Johnson came into power there have been a number of mixed messages floating around:

“It’s going ahead…”

“It’s not going ahead”

“It’s over budget…”

“It’s only going to serve the north…” 

The list is endless.

Vicky is wanting to know what The Robs think of it all and what impact they think it will have on the likes of Manchester, Liverpool and Leeds.

Rob & Rob are big fans of HS2, so tune in and have a listen to what they really think of all these mixed messages.

 

Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply). 

 

Or if you prefer, click here to leave a recording via your computer instead.

The next question on Ask Rob & Rob could be yours. 

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself.

Aug 29, 2019

We’re back with Property Podcast listener Mark Ward who last week told us how his strategy helped him to grow a double digit portfolio in just five years. 

This week The Robs are delving into how Mark managed to change his mindset to that of a winning one which was the driving force behind the growth of his buy-to-let portfolio.

He’s focusing on the strategy of buying below market value, refurbishing and refinancing. While he’s been using traditional mortgages and a little bit of bridging too, Mark’s also been doing a couple of really unique things.

When you consider some of the bonkers things Mark has done - which goes far beyond the usual ‘putting in an offer without viewing it’ - (go here to listento how he’s purchased in a known flood zone, done some intense refurbishing and entered the terrifying world of bridging finance) it makes you question just how Mark actually made this all work to his advantage.

Mark might knows exactly what he’s looking for and where he wants to go with it, which is great! But ultimately, a lot of this also boils down to his mindset. 

And that’s exactly what we find out more about in the second part of this interview with Mark and Rob D. 

 

In the news this week, a dramatic headline from The Express, ‘Brexit property WARNING: Sell your house after this date to avoid losing money’. In a nutshell, the article basically says if you’re looking to sell your house, wait until after the 31st October, which is when we’ll apparently know what’s happening with Brexit. 

Even though we’ve heard this a number of times throughout the year, even Rob B admits that he’s noticed a decline in the number of new properties coming to the market in his local area. For once, even The Robs agree with this headline and think that you probably shouldn’t sell your property before the 31st October. However, if you’re looking to buy a property, you should 100% be focussing on buying before it. 

 

This week’s Hub Extra is in-keeping with today’s episode and it’s a simple but effective quote from Benjamin Franklin; ‘well done is better than well said’. 

Which reiterates what The Robs are always saying, it’s all about taking action! It’s all well and good talking about your goals and what you’re planning on doing, but you won’t reap the benefits until you put those words into action. 



We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do.

Make sure you’ve liked and subscribed to our brand new YouTube channelwhere we upload new content every week!


If that wasn’t enough, you can also join our friendly property community on the Property Hub forum.

Aug 27, 2019

We’re back after a long weekend with two more fantastic questions from our listeners. This week we’re answering questions on one of our favourite cities - Manchester -  as well as trying to avoid stamp duty.

First up, we’ve got another Rob! There’s just no escaping them.

Rob is new to property investment and after securing two properties in London where he lives, he’s looking to start his property journey up north. 

After he listened to Boris Johnson’s speech, the growth potential of Manchester and the Greater Manchester area really excites him, but he’s wondering if the market is now saturated or if the long term potential is here to stay? 

He’s also wondering how familiar he needs to be with the area before he considers investing? 

If you’ve listened to The Property Podcast for a while, you’ll know how much The Robs love talking about Manchester and could spend hours giving Rob advice on investing in the area. 

But they won’t keep you all day, they’re just dishing out the top tips on how to go about investing in property in Manchester. 

Next we’ve got Tim. He’s got a couple of properties already, one being serviced accommodation and the other a standard buy-to-let. He’s just retired and is looking to make property his full time income to make himself financially free.

He’s been listening to a number of podcasts and webinars, one of which has said that he can avoid paying stamp duty if his property is being used as serviced accommodation. 

So is it true or not? 

Tune in to find out.

 

Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply). 

 

Or if you prefer, click here to leave a recording via your computer instead.

The next question on Ask Rob & Rob could be yours. 

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself.

Aug 22, 2019

Forget location, location, location - we’re talking about education, education, education. And today we have a guest who’s put ALL our property education into practice.

Today we’re kickstarting a two-part series and talking to Mark Ward who has taken all those property lessons and built himself a double digit portfolio in just five years! Impressive stuff.

So settle in and get ready to listen to what Mark has achieved and just how he did it. Who knows, this might just give you the kick start you need. 

To give you some back story, Mark got in touch with us over on Instagram. Like many Property Podcast listeners, his journey started out accidentally - so for all you accidental landlords out there, this is an episode for you!

Mark has bought two properties per year at below market value, he’s then refurbished and refinanced them to release some cash. And in just 5 years, he’s got a pretty sweet, double-digit portfolio on his hands. 

Rob D caught up with Mark to have a little chat about his journey so far. It’s definitely an episode you’ll want to listen to, no matter what stage of your property investment journey you’re at.

 

The Robs are also discussing the latest Hometrack price indexin this episode. Once again Liverpool is top of the list, closely followed by Nottingham, Leicester, Manchester and Birmingham. Just behind them are Sheffield and Leeds which are all locations we tipped for big things at the start of the year. 

This month, the report has looked at the amount of stock coming onto the market compared to the number of sales that have been agreed. In Manchester the ratio of sales to new supply has increased which is a signal that Manchester is likely to continue to grow in house prices - phenomenal considering how much Manchester has already grown in the past few years! 

If you’re wanting further info on these hotspot locations, you can find our useful location guidesover on the education section of our website which will certainly help you with narrowing down the areas you’d like to invest in. 

 

Our Hub Extra this week is a new podcast recommendation! Don’t worry, The Robs haven’t started another podcast - not yet anyway. This podcast is called Heavyweight from Gimlet who produce a lot of great podcasts, but this one takes someone back to a moment in their life that they regret or keep thinking back to, and he helps them resolve that situation and move on. 

It’s not ‘heavy’ in the tone of voice, it’s actually quite comical and really entertaining. So this is a good one for you to unwind with.

 

We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do.

Make sure you’ve liked and subscribed to our brand new YouTube channel where we upload new content every week!

If that wasn’t enough, you can also join our friendly property community on the Property Hub forum.

Aug 20, 2019

It’s our 200th Ask Rob & Rob episode! Can you believe it?

So what better way to celebrate than continuing to do what we do best and answer your property questions!

This week’s first question comes in from Steve. He’s seen some new build properties that look slightly overpriced compared to other new builds in similar areas. So he’s wanting to know from an investor perspective whether Rob & Rob reckon he’s better off investing in a new build or maybe purchasing something a little older?

Rob B points out that he does indeed think new builds can be overpriced, but then again, rightly highlights that any property can be overpriced. In true Rob B style, he has some winning advice that Steve can take on board. So listen carefully if you have your eye on a new build buy-to-let purchase in the future. 

The next question is from Brogan. He opened up a lifetime ISA when he started his graduate job to help him buy his first property. Since then he’s found our wonderful podcast (good man!) and had his eyes opened to the buy-to-let world. 

Now Brogan wants to use the money in his ISA to purchase his first buy-to-let property. However, the T&C’s of a lifetime ISA state that you have to use this scheme to purchase a property to live in. 

Is there any way to get around this?

Tune into this week's episode to find out what Rob D suggests. 

 

Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply). 

 

Or if you prefer, click here to leave a recording via your computer instead.

The next question on Ask Rob & Rob could be yours. 

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself.

Aug 15, 2019

This week The Robs are looking at more listener deals but this time they’re taking on the challenge of helping Nathan decide between two deals.

He’s torn between two properties and doesn’t know which one to go for. Should be invest in Leeds or Manchester?! Two fantastic cities and two very different deals. So which one do The Robs think he should go for?

Settle in as Manchester and Leeds battle it out to win Nathan’s investment.

First up we have a two bedroom flat in the middle of Manchester on Princess Street for £240,000. It’s pretty central and close to two main train lines and was converted around 15 years ago. Certainly move in ready. 

He thinks he’ll be able to achieve £920 pcm after taking off his management fees. Once other fees have been deducted, he’s looking at a net profit of just under £200 per month, giving him an ROI of 3%.

A 3% ROI isn’t exactly going to get you excited, but Nathan said he’s in this for the long run and capital growth is more his long-term plan. So should this be the property he goes for?

The second option is a two bedroom flat in the middle of Leeds at Westpoint for £245,000. It’s pretty much the same as the Manchester deal in terms of central location and rental price of £1,000 pcm. It just has a slightly higher ROI of 4.1% which is the equivalent of about £60 a month, so not life changing amounts.

Compared to the Manchester conversion, this property is a high-end new build. It’s got a huge balcony and whereas the Manchester apartment was 600 sqft, the Leeds apartment is over 900 sqft! 

So does this make it a no brainer and Nathan should be going for bigger and newer? 

Tune in to find out what The Robs have to say and which property they think Nathan should go for. 

And if you want to find out more about whether you should invest in Manchester or Leeds, we have some handy resources for you right here:

  • Click here to find out why you should invest in Manchester
  • Click here to find out why you should invest in Leeds

 

This week’s news story isn’t coming from one of our beloved tabloids, we’re reading an open consultation from the government. So this lengthy headline of ‘A new deal for renting: resetting the balance of rights and responsibilities between landlords and tenants’ is actually worth reading as it’s to do with the appeal of section 21.

Everyone pretty much lost their minds a few months ago when section 21 came into play, but what are they hoping to do about it now we’ve all had a chance to digest it? 

Are there changes ahead? 

Have a read and listen to what The Robs think on this week’s episode. 

 

This week’s Hub Extra is a book called ‘The Ultimate Blueprint for an Insanely Successful Business’ which is highly recommended by Rob D about accounting. Now don’t switch off just yet, we know accountancy isn’t the most exciting of topics, but this book will become more appealing to you the bigger you grow your business. 

 

Even Rob B picked this as one of his holiday reads! So give it a read and let us know what you think.



We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do.

 

Make sure you’ve liked and subscribed to our brand new YouTube channel where we upload new content every week!


If that wasn’t enough, you can also join our friendly property community on the Property Hub forum.

Aug 13, 2019

This week on Ask Rob & Rob, we have the B word again - and the R word. So if you’d like to know more about Brexit or repossessions, this is the podcast episode for you! 

First up we have Christiano. He’s wanting to know if he was to go ahead with a repossessed property, will it be mortgageable once he’s bought it?

He’s also wondering if Rob & Rob have any advice on what tactics he should use when looking to get the best deal on a repossessed property. 

It’s good news for Christiano!

Listen as The Robs explain why mortgages shouldn’t be an issue with repossessed property as financial issues sit with the previous owner - not the property. 

However, if he’s looking at bagging a cracking deal, it might not be all plain sailing. The vendor has a duty (to the lender) to achieve the maximum price they possibly can - so does that mean that getting a great deal is dead in the water? 

Find out what Rob D has to say. 

Our second question comes in from Baz who’s still concerned about Brexit and is contradicting The Robs’ views.

Baz is seeing quite a steep rise in house prices in Birmingham (which doesn’t seem consistent with the growth he’s been witnessing over the past four years).

He’s putting it down to the fact that there’s not a lot of choice on the market and he’s being significantly outbid by owner occupiers on properties he’s been looking at. 

So now he’s being cautious about buying any property within the next six months.

Ultimately, he’s wanting to know how confident Rob & Rob are that there won’t be a market crash the minute we get a deal with the EU. 

It’s a great question, and probably one which many other listeners will want to know the answer to. Tune in to find out what The Robs have to say. 

 

Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply). 

 

Or if you prefer, click here to leave a recording via your computer instead.

The next question on Ask Rob & Rob could be yours. 

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself.

Aug 8, 2019

This week on The Property Podcast, Rob & Rob are back by popular demand, evaluating your listener deals live on the show. 

These episodes are ones that The Robs absolutely love doing, and this week we’ve got three cracking deals to get through. 

So grab a brew and settle down as we listen to how Rob & Rob scour Rightmove and offer advice to our three lovely listeners Tim, Sarah and Ahmed. 

First up we have Tim who has been looking at three bedroom terrace house in Worthing. The property was on the market for £325,000 but Tim managed to get a cracking deal and had an offer of £285,000 accepted. Kudos to you!

He reckons that realistically the rent is likely to be £1,150 pcm, however this valuation won’t pass the stress test criteria and Tim will have no choice but to go for a 5 year fixed term mortgage to be able to get the full 75% loan to value rate. 

After running some quick numbers, it looks like Tim will potentially end up with a net yield of 1.5% and about £400 in his back pocket each month. Would The Robs choose this deal to add to their property portfolio? 

Rob & Rob also take a look into Sarah’s two bedroom apartment in Didsburythat she bagged for £205,000 and Ahmed’s three bedroom terraced house in Birminghamthat he got for £13,000 below asking price, but needs a lot of work doing to it! 

So which of these three deals would Rob & Rob be most likely to invest in themselves? 

Tune in to find out and listen to what advice they guys have to dish out.

 

In the news this week, Boris Johnson is in our good books again as he’s now announced a new railway link between Manchester and Leeds

Transport for the North proposed this a while ago, but Boris has blown this right out of the water and is moving for a bigger and better plan! Not only will there be new connections from Manchester to Leeds, but also Manchester to Liverpool and Sheffield. 

Hopefully this isn’t just a pipedream and Boris will actually follow through with it - we’ll just have to wait and see.

 

This week’s Hub Extra comes in from one of our Hubbers, David. It’s a website called Get The Dataand it’s a site where you enter the postcode and it pulls loads of information about that location from a number of different sources. 

It will give you everything from the nearest public transport stop to the food hygiene ratings of local restaurants and takeaways. So this is a great resource to use if you’re looking to invest in a new area and are wanting to get clued up on any particular location. 



We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do.

Make sure you’ve liked and subscribed to our brand new YouTube channelwhere we upload new content every week!

If that wasn’t enough, you can also join our friendly property community on the Property Hub forum.

Aug 6, 2019

This week on Ask Rob & Rob, the guys are only answering one question because it warrants a pretty comprehensive answer. 

AND it’s a question that’s on everyone's lips right now...

What impact will Boris Johnson have on property investors now that he’s our new Prime Minister? 

Thanks for the question Becky - let’s dive right in!

Boris has already made noises that he’s going to make changes to stamp duty, and if you didn’t read last week’s Hub Extra, we actually included this story. Surprisingly, it’s not as doom and gloom as you might think. 

He wants to move the threshold of where stamp duty becomes payable to £500,000 - which is a big difference to the current £125,000 and will make a huge difference to buy-to-let property investors and homeowners. 

There’s also considerations that stamp duty will be payable by the seller rather than the buyer. Now, this isn’t something he’s officially made a comment on, but if it goes ahead it will have a bit impact on the market.

However it looks like the 3% surcharge for buy-to-let properties isn’t going anywhere any time soon. Bah!

Rob & Rob have talked about stamp duty numerous times on The Property Podcast and we even explain in depth what it is and how it works in this article.

But what do The Robs think of Boris Johnson running our country altogether? 

Well, you’ll have to tune in to find out their opinion.

 

Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply). 

 

Or if you prefer, click here to leave a recording via your computer instead.

The next question on Ask Rob & Rob could be yours. 

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself.

Aug 1, 2019

This week we’re going to teach you how you can recycle your capital and grow your portfolio at speed. 

This might seem like a daunting topic and you might be thinking it’s going to take you at least another two years to build up your deposit pot to be able to buy your next property. 

But fear not!

We’ve got mortgage expert Dave Cookson on the show this week who’s going to demonstrate how you can build your portfolio at a pace you probably didn’t think was possible. 

Just by listening to Dave you can tell how passionate he is about helping people finance their properties and chances are, some solutions he suggests you might not have thought of yourself. 

And believe it or not, Dave reckons that the financing is the easy part, it’s finding the property that’s the hard part! 

Here’s what The Robs and Dave are going to cover:

  • Recycling your cash for deposits 
  • Adding value
  • Funding the purchase and cost of the works
  • Finding the right property 
  • Anticipating the risks.

You’re definitely going to want to grab a notepad and pen for this episode. 

 

In the news this week, London’s first high-end build to rent homes. When you think of a build to rent scheme you’ll often picture a block of apartments that have been designed for that specific reason with dedicated communal facilities. Well not this development. Essentially this development in St Johns Wood is just five houses. 

Now don’t get us wrong they’re very nice houses, but do you have a spare £5,500 a week to live in one of them? Oh, and you’ll need your own furniture too as that’s not even included in the price! 

In a nutshell, once again headlines are being incredibly misleading and this development is essentially a buy to let scheme, which as we all know has been around for a long time.  

 

This week’s Hub Extra is an audio book that both Robs have thoroughly enjoyed. It’s called The Spy and the Traitor by Ben Macintyreand it’s a story about a spy in the cold war and the effect it had on his own life. So if you like a thrilling, gripping book and one that also educates you in history, then this is definitely a book for you. 

 

We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do.

Make sure you’ve liked and subscribed to our brand new YouTube channelwhere we upload new content every week!


If that wasn’t enough, you can also join our friendly property community on the Property Hub forum.

Jul 30, 2019

This week on Ask Rob & Rob, the guys are dishing out advice on how to best handle homebuyer surveys whilst using them to your advantage, and what to do when your letting agent adds in new fees to your contract. 

They’re certainly two questions that probably 90% of investors will come across at some point in their property journey, so this is definitely an episode to bookmark! 

Our first question comes in from Cassie. She wants to know how you can use a home buyers survey to negotiate a price. 

She’s previously had one done that says a property needs a lot of repairs doing to it. Can she use this survey along with the property valuation to her advantage to negotiate a better deal?

Rob B explains the different levels of homebuyer surveys you can get and advises Cassie on what she should do, with one potential outcome being to walk away from the deal. 

Rob D points out that Cassie is in an even better position than she was at the beginning now that she has this additional information. Ultimately, it’s her choice what she does, if she can get a better deal, great! 

But if the numbers aren’t going to stack up, then as The Robs mentioned last week, sometimes walking away is the best possible option.

The second question is from Matt  who’s having a bit of a dispute with the letting agent for one of his properties. The current tenant has just given notice to leave and the letting agent is now saying that due to the new tenant fee ban, they need to charge Matt to get new tenants in.

Is the letting agent allowed to do this? Can Matt dispute it and within his rights to avoid paying for it or is he going to have to suck it up and take on the new agreement?

Matt certainly isn’t alone in this situation, there’s numerous letting agents who are implementing these new charges so that they’re not out of pocket. 

So what advice do The Robs have for Matt? Should he stick with his current letting agent and accept the fees, or should he start to shop around for a new agent? 

To make life easier, he could just head on over to Property Hub Lets, but tune in to find out what Rob & Rob suggests.

 

Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on013 808 00035 and leaving a messagewith your name and question (normal UK call rates apply). 

Or if you prefer, click here to leave a recording via your computer instead.

The next question on Ask Rob & Rob could be yours. 

Have you joined us over on the Property Hub Forumyet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself.

Jul 25, 2019

This week The Robs are talking about what it takes for them to walk away from a deal.

Usually you’ll hear The Robs talking about taking action, but there are inevitability times when it’s better to walk away. There are certain deals that need a firm ‘no’.  

So what does it take for The Robs to walk away from a deal? And how should you decide whether a deal is really the right one for you? 

Here’s what Rob & Rob are going to cover on today’s episode:

  • Price
  • Fundamentals
  • Rental potential 
  • Neighbours 
  • Leasehold houses
  • Leases with doubling ground rent

This is an episode that you will benefit from no matter what stage of the property investment process you’re in. 

So hit that play button and let us know what you think of this week’s episode.

 

In the news this week, we’re looking at Wirral Waters, one of the biggest regeneration projects in the country. When it’s complete, the money invested into the area will top over £1 billion, if not more! 

Peel Group have teamed up with developer Urban Splash to bring a £55 million scheme to Wirral Waters. As you’ll know if you’ve listened to The Property Podcast over the past few months, The Robs are big fans of Urban Splash and everything they do - Tom Bloxham MBE even appeared on a few episodes.

This is a development of 337 modular homes, which are factory built and something that Urban Splash are renowned for. 

And in other news… it’s nearly Meetup week! These seem to come around so quickly, but next week we’re back! Some of our more popular locations like London are already sold out, but we do have some tickets left. So be quick and grab yours here

 

This week’s Hub Extra is something the whole team at Property Hub has been using over the past month. It’s a little app called Count.Itwhich encourages you to get up and get fit with a little competitiveness thrown in for good measure. 

You can do this with your colleagues, friends or family and set up a league table to find out who’s the most active. So download the app, invite your competitors and get walking! 

 

We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do.

Make sure you’ve liked and subscribed to our brand new YouTube channelwhere we upload new content every week!

Jul 23, 2019

This week on Ask Rob & Rob, the guys are answering two questions that are affected by current and ongoing situations from property booms to increasing tax bands.

This week’s first question is from Lee -  he has a clear strategy and wants to use property to increase his regular cash flow so that eventually he can be financially free. He’s roughly 60% through this process but his next property might allow this to happen a lot faster. 

He has a 3-bedroom property in South London and the property price has grown 50% since he bought it back in 2010 - happy days!

Lee thinks he’s got about £120,000 worth of equity in the property and has considered selling up and purchasing two properties to double his income - but this is where he gets a bit stuck. 

Should he sell up now, or hang on and wait for a property boom and hopefully get more money than what the property is currently valued at? Tune in to find out what The Robs think he should do. 

Our second question comes in from Chaz who’s wanting to know if a change in tax bands, dependant on who our next Prime Minister is, could result in him needing to change strategy? 

It’s a bit of a tricky one because how many politicians actually follow through with what they say they’re going to do?

But nevertheless, Rob & Rob give their opinion to help Chaz and his future strategy.

 

Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply). 

Or if you prefer, click here to leave a recording via your computer instead.

The next question on Ask Rob & Rob could be yours. 

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself.

Jul 18, 2019

This week The Robs are talking about an important calculation. They’ve never talked about it before, but it’s one you need to start using. 

That’s right, they’re talking about how you can make money from property and the different ways you can achieve this. 

There’s a popular debate on whether you should optimise your goals based on the monthly rental income you need or the capital growth potential. But what they’ve not really talked about in detail is the total return that you’re going to make from property over time.

So this week, The Robs are covering the total return that you can make from your property investment, including how to calculate it and ultimately, why it matters. 

Want to know how you can work out the return on investment for your potential property? Tune in to listen to how The Robs break it down. 

In the news this week we’re looking at the latest figures from Hometrack and the House Price Index for May 2019. When you look at the top cities in the country, The Robs are pretty pleased that they tipped four of the top five as ones to invest in this year. Especially Liverpool with prices being up by 5%! 

The report looks at the most affordable cities as a first time buyer and no surprise that London, Cambridge and Oxford were at the bottom of the list. But what was surprising was that the most affordable location in the UK for a first time buyer is Liverpool!

Now this is fantastic news as it sets the indicator that the growth Liverpool is currently seeing is set to continue and has the furthest to grow, even though it’s a current hotspot. 

Check out the report and see what other cities tick the affordability box. 

We’ve also got ANOTHER new video up on YouTube for you. This time The Robs are talking about using a limited company as a buy to let investor, and if they’re really necessary.

Head on over to our channel to check it out, leave us a comment on what you think about limited companies (and if you use one), and don’t forget to hit that subscribe button.

And finally, this week’s Hub Extra is a Google Chrome extension called Just Read. Essentially it strips all of the rubbish out of a webpage so you can read it properly. If adverts and pop ups drive you mad, this extension will be your new favourite tool! You’re welcome!



We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do.

Make sure you’ve liked and subscribed to our brand new YouTube channel where we upload new content every week!

If that wasn’t enough, you can also join our friendly property community on the Property Hub forum.

Jul 16, 2019

This week on Ask Rob & Rob we’ve got two great questions that we’re pretty sure most investors will want to know the answers to. Especially if you’re just starting out or trying to grow your portfolio.

Our first question this week comes in from Ian who’s been a Hubber for well over a year and an avid podcast listener. 

He feels like he is clued up on the educational side of investing and is ready to take the plunge, but the financial side of things are holding him back. 

His goal is to be able to replace his income with property through buying and refurbishing below market value properties. 

At present he could realistically afford to save £1,000 per month, which is a decent amount to be putting away each month, but still means he’s roughly two years away from starting his investment journey. 

So Ian is wanting to know what strategy would The Robs suggest for someone who has a low amount of capital to start off with, and are there any ways of raising the finances other than a traditional mortgage lender? 

What advice can The Robs offer Ian to bring that start date that little bit further? Have a listen to find out.

The second question comes in from Justin who has just exchanged on his fourth buy to let property - congrats!

Two of his properties are in his personal name and the others through a limited company. 

Justin has ambitious plans for the next few years in growing his portfolio and now he’s wondering if there are a limited number of mortgages that an individual can get? 

Are there issues and more hoops to jump through for accessing mortgages with the more mortgaged properties you have and the bigger your portfolio gets?

It’s good news for Justin, there are no limits to how many mortgages you can have. Hooray! 

But there are some certain criteria that any investor should have a look into before applying for another mortgage.

Tune in as Rob D explains all.

 

Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply). 

 

Or if you prefer, click here to leave a recording via your computer instead.

The next question on Ask Rob & Rob could be yours. 

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself.

Jul 11, 2019

The Robs aren’t holding back on this week’s Property Podcast. They’re telling you the brutal truths about property investment that you won’t hear from anyone else.

That’s right, they’re dropping some truth bombs and showing you how slick marketing can lead you astray [sorry marketers!]. You’ll also learn about the (many) things that can go wrong and the (many) frustrations that come with being a property investor. 

But don’t worry, it’s not all doom and gloom.

When starting out on your property investment journey, you’ll only ever hear about the positives and how much money you can make from property. You know the type - the “get rich quick” type.

But many of these businesses are only in the property game to make money. They’ll tell you about the results, but not the process and where things can go wrong. 

90% of the time, Rob & Rob have nothing but positive things to say about property investment, but it’s also important to be realistic and talk about the things that can, and more than likely will go wrong. 

Property can be a bumpy ride. Having a goal and a clear strategy in place will stop you from making a fair few mistakes. And if you don’t know where to start with this, you can take us up on a free goals callwhere you can have a chat with a member of our Invest team and become a bit clearer on what your goals are and how to execute them. For free. 

You can also take our free goals courseon the Property Hub University in the meantime.

So buckle up, and tune in to listen to the property truths Rob & Rob are dishing out. Trust us, you won’t get this type of honesty from many others in the property investment industry. 

And if you’ve experienced any of the issues mentioned today, or you’ve been in a situation we’ve not covered, we want to hear about it. Or maybe you’ve been in a sticky situation and managed to get yourself out, we want to know how you did it - make sure you get in touch

Our news story this week comes from Property Investor Today which is looking at the ‘Best UK university towns and cities for property investment’. They’ve ranked them based on yield and capital growth, so no surprise that Oxford and Cambridge were at the bottom.

But the location at the top spot came as a surprise - The Robs haven’t really spoken about this city much. Newcastle didn’t make The Robs’ hotspot listthis year, but it’s certainly a location to watch in the years to come.

 

We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do.

Make sure you’ve liked and subscribed to our brand new YouTube channelwhere we upload new content every week!


If that wasn’t enough, you can also join our friendly property community on the Property Hub forum.

Jul 9, 2019

This week on Ask Rob & Rob, we’ve got another two great questions for you about student accommodation and EPC ratings.

Our first caller is Dawson who is looking at investing in student accommodation. She’s based in the south but has a clear understanding that yields are better in the north.

She’s looked at Manchester and Liverpool but she’s finding that they’re getting quite saturated with a lot of properties left empty - she thinks this is mainly due to the new rules and the amount of new developments becoming available.

So where would Rob & Rob recommend she look for a good student let with a high yield? Or is this market not worth getting into? 

The next question is from Thomas who has been looking at a property to buy up north in Barnsley. 

He’s had the EPC come through showing a rating of 9, which has obviously sparked concerns of how much it’s going to cost to get the property up to standard so they can rent it out. 

Do Rob & Rob know the best way is to get this improved? Are there any grants or funding that Thomas can apply for to give him a helping hand?

It’s safe to say that Rob B is absolutely baffled by such a low rating but answers Thomas’ question regardless and gives him some guidance. 

Tune in to find out what he suggests.

 

Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply). 

 

Or if you prefer, click here to leave a recording via your computer instead.

The next question on Ask Rob & Rob could be yours. 

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself.

Jul 4, 2019

Have you ever wanted to step into Rob and Rob’s shoes and know what it’s like to be them for a day? Well now you can.

This week on The Property Podcast The Robs are sharing their top seven brain hacks with you. 

These aren’t just brain hacks that The Robs are dishing out from other people. They both live by these day in, day out. If you implement them they’ll make a huge impact on your life too.

So what are the seven brain hacks that Rob & Rob live by religiously?

  1. Habit stacking
  2. Practice gratitude
  3. Finding the positive
  4. Give yourself a reset
  5. Dedicated worry time
  6. Visualisation
  7. Tracking habits to keep them

They go into a lot of detail explaining why they live by these rules so it’s definitely worth a listen. 

Who knows, in 30 minutes time you could feel more motivated than you have in a while and have completely changed your mindset. 

So if you decide to implement any of these brain hacks and improve your way of living, make sure you get in touch and let us know. We want to hear all about it.

Brace yourself, we’ve actually got a positive news story! ‘Property market bounce back? Demand from buyers and sellers increases as Brexit fatigue fades, estate agents claim’. 

Granted it is based on self reported data so who knows how true it is but the National Association of Estate Agents have surveyed their members and found that there’s been a 16% increase in the last month of new buyers registering with them. 

There’s also been an increase in supply. Nothing significant has changed to cause this, so give the article a read and see what you think.

Keeping in theme with today’s podcast, our Hub Extra is an app called Strides, which is a habit tracking app. So if after listening to today’s episode you’re feeling a surge of motivation and wanting to take action, go ahead and download it.

Meetups are next tonight! Most events are sold out but there’s a couple with tickets left. If you’d like to attend, you can find your nearest meetup venue here on our website. Or register early for next month!

This week on our YouTube channelwe published a new video on finding the right accountant for your property business. Now obviously we have Property Hub Tax who are amazing at what they do (not to blow our own trumpet) but they might not tick your boxes. So go give it a watchand let us know your thoughts. Don’t forget to subscribe!



We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do.

Make sure you’ve liked and subscribed to our brand new YouTube channelwhere we upload new content every week!


If that wasn’t enough, you can also join our friendly property community on the Property Hub forum.

Jul 2, 2019

This week on Ask Rob & Rob, the guys are answering another two cracking questions sent in by our Hubbers. 

First up is Mike. He’s an avid Property Podcast listener and after just four or five months he took the plunge and invested in a great Liverpool buy-to-let deal we launched just a few months ago. 

Mike is wanting more information on joint property ventures - particularly on how he can get the ball rolling. Now that he’s made his first investment, he’s got the bug and wants to see how he can secure his second property without having to wait too long to release some capital from his first. 

Can an individual go into a joint venture with a limited company? A pretty decent question if you ask us. So what’s the answer? And are The Robs a fan of joint ventures?

Our second question comes from James who’s wondering what a sensible loan-to-value ratio is. Do The Robs think having a portfolio at a 75% LTV is a risky move?

Rob D explains that a 75% loan to value is pretty standard these days and for it to be a bad idea, the market would have to drop more than 25% overnight. 

But there’s much more to be said on this topic. So tune in to find out what else Rob D has to say about loan-to-value ratios when investing in investment property.

 

Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply). 

 

Or if you prefer, click here to leave a recording via your computer instead.

The next question on Ask Rob & Rob could be yours. 

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself.

Jun 27, 2019

This week on The Property Podcast, The Robs are discussing the investments you should be avoiding in the upcoming property boom. 

No, they’re not psychic. Nor do they have a crystal ball. But the property boom will come, and when it does, it’s important to know the potential risks and how to avoid them. 

If you’ve been listening to the podcast for a while, you’ll know that Rob & Rob believe we’re currently in the mid-cycle wobble, and after the wobble comes the boom. 

Quite often in a boom, people start to get excited and you could be sold something that could lose you a vast amount of money.

The perk of the property cycle is that you know what’s coming next. So you can look at the last property boom and see what type of investments people were making that went horribly wrong... and avoid them. 

So what are the investments you should be avoiding in the next boom?

  1. Overseas property
  2. No money down (NMD)/highly leveraged
  3. Investments that cost you to own it
  4. (Always) student pods and hotel rooms
  5. Parcels of land

There are a lot of issues and warnings in this episode but it’s not just us scaremongering, you genuinely need to be aware of these issues and take them seriously. 

If you’ve had a bad past experience with one of these investment types or you were affected by the last property boom, then we want to hear from you. Get in touch over on Facebook, Instagram or even the forum.

And in the news this week, The Robs have found another headline that isn’t actually news - it’s more misleading.

It comes from the BBC and the headline is ‘flats out of fashion with first time buyers’. According to the article, first time buyers are going straight for houses which is causing a fall in the cost of apartments. 

So that’s it. Investors should stop what they’re doing and we need to go back and revise the podcast we did on city living. 

Wrong. 

Yet again, the media is blowing a simple comment made about the London market completely out of proportion. One comment about one city and naturally that means it’s the same story for the rest of the country. 

Our Hub Extra this week is for MacBook and iPhone users, sorry Android. It’s an app called Soulver, and it’s essentially the same as the notepad app but it’s designed to work with numbers in a more natural way. 

It’s incredibly useful if you’re trying to take notes and make calculations at the same time. Give it a try and let us know what you think.

Meetups are next week! Some events are sold out but we do have some tickets left for others. Although they’re selling fast. If you’d like to attend, you can find your nearest meetup venue here on our website

If you haven’t yet checked out our YouTube channel then what are you waiting for? One of our most popular videos is our UK hotspots one and people have been questioning our choices. So go give it a watch and let us know your thoughts. Don’t forget to subscribe!



We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do.

Jun 25, 2019

This week on Ask Rob & Rob, the guys are answering two very different questions on the topic of HMOs.

The first question comes in from another Rob who’s got in touch for some feedback on a potential HMO in Stoke-on-Trent. The property is fully tenanted and has five double bedrooms, all with en-suite bathrooms.

On the face of it, the property seems like a pretty good deal. The monthly gross rental income is £3,870 on a purchase price of £335,000 - that’s a gross yield of over 13%!

However, his concern is the bricks and mortar valuation. The property was purchased for £95,000 at the back end of 2015 as an office with a much smaller HMO above.

Rob is finding it hard to believe that the refurb price would have cost more than around £130,000 - £150,000 considering house prices have probably only risen by about 15% over the last 4 years. His other concern is the lack of local comparables for him to do a true bricks and mortar valuation.

He’s worried that the property is overvalued as a stand alone asset. So what would Rob & Rob do in this situation?

Our second question comes in from Mahlia who’s looking to purchase more HMO properties in Manchester and Leeds, but has been put off by article four which requires planning permission to change residential property to a HMOs.

Should this be a real concern or should she still proceed with the aim of getting planning permission?

Rob D’s response is pretty clear on this one. Tune in to have a listen.



Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply).

Or if you prefer, click here to leave a recording via your computer instead.

The next question on Ask Rob & Rob could be yours.

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself.

Jun 20, 2019

This week on The Property Podcast, we’re giving you seven property tips that you can start using today, because we want you to start taking action!

You’ll know by now if you’ve been listening to the podcast for a while that we love doing the big picture, philosophical and mindset episodes but now we want to give you something actionable.

So on today’s podcast we’re going to cover everything from before you buy a property, through management, through to your exit and how you run your business.

The seven main tips Rob & Rob have for you are:

  • Account for your time
  • Become a Rightmove power user - look back at episodes 235 & 14 for more info on this
  • Think about your exit from the start
  • Make sure your mortgage broker is experienced in working with investors
  • Hold block viewings
  • Consider pets
  • Run your investments like a business

Tune into this week’s episode and see how many of these tips you’re already doing and which ones you can action today.

Our news story this week comes from the BBC, just for a change. The headline is ‘soaring second home ownership is hitting young people’. Apparently the number of people who own a second home or a buy to let has doubled since 2001 and 1 in 10 people now own an additional property.

The report claims that this is hitting young people and making property unaffordable and home ownerships for young people are falling.

Now unsurprisingly the report hasn’t looked into all the facts and figures, so this is where Rob & Rob clear things up and set the record straight.

We also want to say a big thank you to everyone who has already subscribed to our YouTube channel. This week we hit 5,000 subscribers! We’re consistently pushing out more content on our channel with the aim to bring you a new video every week. So if you haven’t subscribed yet, we’d love it if you took this opportunity to do so.

Meetups are back again in a couple of weeks time and we’ve still got spaces available for the majority of our locations. Our meetups are a great way for like minded property lovers to meet each other and talk about everything property related and discuss your goals and strategies.

If you’d like to attend, you can find your nearest meetup venue here on our website.



We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do.

Make sure you’ve liked and subscribed to our brand new YouTube channel where we upload new content every week!


If that wasn’t enough, you can also join our friendly property community on the Property Hub forum.

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