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The Property Podcast

The Property Podcast 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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Now displaying: February, 2017
Feb 28, 2017

It's time for another couple of questions in this week's edition of 'Ask Rob & Rob'. This week's questions come from Lisa and James who...

...ask Rob & Rob... Two questions about funding deposits.

The Robs give their take on this topic. What do you think? Head over to the forum to discuss.

ASK YOUR OWN QUESTION TO ROB & ROB!

Don't be shy! All you need to do is leave a message with your name and whatever's on your mind.

Just pick up the phone and call 013 808 00035 (normal UK call rates apply).

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

 

NEED MORE ANSWERS?

The Property Hub Summit is the place to get all your questions personally answered by Rob & Rob, and build a network of other smart, motivated investors.

Over the course of a full day at a swanky hotel we'll help you set your goals, form a plan to get you there, overcome your obstacles, and give you the support system you need to make sure nothing gets in your way.

Just don't hang around - there are only four Summits each year, and just 16 places available at each!

Interested? Click here to find out more.

Feb 23, 2017

We love a system here at The Property Hub, and this week Rob & Rob discuss the advantages of setting up basic processes (and in some cases more detailed processes).

 

Rob and Rob discuss why systems are not boring - honestly, stick with it, we guarantee you will be a convert. 

The Robs also give examples of how they use processes throughout their businesses, for the tasks that are done over and over again. 

We also discuss how having good processes allow you to outsource and why you must not outsource without them.

Systems are easier to set up than you'll thing and in this episode we give you some examples of how to do it and how you can implement processes in your property investment journey. 

 

The disappearing middle class clearly illustrated in charts

This is a really interesting piece which takes you through the highlights of a report published recently. There are tons of visuals in this article so check this out and you will see everything points quite clearly to the fact that the middle classes are gradually disappearing. Read more here.

 

Resource of the week

This week's episode is one huge resource of the week and here are all the links mentioned.

The checklist manifesto 

Trello

Evernote

Google Docs

Process Street 

Jing

Continue the conversation over in the forum

What systems do you use? Head to the forum to share some tips. We'd love to know what you're already using in your day to day life.

If you enjoyed The Property Podcast, please leave a review on iTunes

Reviews are really important in helping other people to find the show, so by way of thanks we read out every single review we receive on air.

If you’d like to hear your name on the show, leave us a review on iTunes here.

Not sure how to leave a review? This video shows you how to review and subscribe on iTunes.

Feb 21, 2017

It's time for another couple of questions in this week's edition of 'Ask Rob & Rob'. This week's questions come from two listeners who...

...ask Rob & Rob... What if interest rates spike? PLUS: Is there a case for investing in retirement homes?

The Robs give their take on these topics. What do you think? Head over to the forum to discuss.

ASK YOUR OWN QUESTION TO ROB & ROB!

Don't be shy! All you need to do is leave a message with your name and whatever's on your mind.

Just pick up the phone and call 013 808 00035 (normal UK call rates apply).

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

 

NEED MORE ANSWERS?

The Property Hub Summit is the place to get all your questions personally answered by Rob & Rob, and build a network of other smart, motivated investors.

Over the course of a full day at a swanky hotel we'll help you set your goals, form a plan to get you there, overcome your obstacles, and give you the support system you need to make sure nothing gets in your way.

Just don't hang around - there are only four Summits each year, and just 16 places available at each!

Interested? Click here to find out more.

Feb 16, 2017

The much anticipated white paper has landed and it seems clear that the government are keen to bring institutional investment to the rental market. Is this anything to worry about? Not necessarily and it should clamp down on rogue landlords, but it's definitely something to have you your radar.

A key point in the paper states that ‘Encouraging more institutional investors into housing, including for building more homes for private rent, and encouraging family- friendly tenancies.’ Rob and Rob discuss what this really means and what impact this may have on private landlords...

The report goes on to state that more needs to be done to prevent homelessness, but predictably the detail of how this will be done, appears to be lacking. It goes without saying that in a country as wealthy as ours, we should do a lot more to help this issue.

All in all the white paper seems to have been watered down and we can't pretend we're anything other than underwhelmed with it. There's nothing for us to be concerned about in there, but there's nothing radical here at all.

 

Stamp duty receipts soar as buy-to-let investors are undeterred by tax hike.

So, the Treasury collected 18% more stamp duty from the sale of residential properties in 2016 compared with 2015

“One in five of all homes bought in the last six months of the year were additional properties, and this raised £962m for the Treasury's coffers, representing 21% of the tax take during this period.  This amount was higher than forecast by the Office for Budget Responsibility, which had pencilled in £660m for the 2016/17 financial year.”

So if the policy was intended to raise more tax overall, it worked.

If it was meant to deter investors to benefit FTBs, it didn’t! Read more here.

Resource of the week

Rob B came up with our resource of the week this week. It's used within the RMP team to educate on The Northern Powerhouse. There's tons of news here and if you have this area in your investment sights, this is a brilliant place to research. Check it out here. 

Continue the conversation over in the forum

What do you think to the white paper? Discuss your options here.

If you enjoyed The Property Podcast, please leave a review on iTunes

Reviews are really important in helping other people to find the show, so by way of thanks we read out every single review we receive on air.

If you’d like to hear your name on the show, leave us a review on iTunes here.

Not sure how to leave a review? This video shows you how to review and subscribe on iTunes.

Feb 14, 2017

It's time for another couple of questions in this week's edition of 'Ask Rob & Rob'. This week's questions come from two listeners who...

...ask Rob & Rob... Can I make a quick profit by flipping at auction? PLUS: Will I get a good deal from a developer by buying in bulk?

The Robs give their take on these topics. What do you think? Head over to the forum to discuss.

ASK YOUR OWN QUESTION TO ROB & ROB!

Don't be shy! All you need to do is leave a message with your name and whatever's on your mind.

Just pick up the phone and call 013 808 00035 (normal UK call rates apply).

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

 

NEED MORE ANSWERS?

The Property Hub Summit is the place to get all your questions personally answered by Rob & Rob, and build a network of other smart, motivated investors.

Over the course of a full day at a swanky hotel we'll help you set your goals, form a plan to get you there, overcome your obstacles, and give you the support system you need to make sure nothing gets in your way.

Just don't hang around - there are only four Summits each year, and just 16 places available at each!

Interested? Click here to find out more.

Feb 9, 2017

In this episode we're looking at something pretty different for us - how to exit property!

A lot of our listeners are at the start of their property journey but it's easy to not consider how you will wrap up your portfolio when that time comes around. If you're considering this, then here are some of your options...

Never Let Go

First up is Rob B's current plan - never exit.  If you have no mortgages, can just hold forever for income then pass them on.

If you do have mortgages, you can get mortgages until much later in life than people think. Or if the properties are in a company, as long as there’s another director they can keep the mortgages going.

Advantage: Keeps the income stream going and gives you something to pass on
Disadvantage: Maybe you don’t want to be worrying about interest rates if you have mortgages, or don’t want the hassle of holding property at all

Sell some

You could instead sell enough properties to pay off the mortgage balances on the rest, then revert to the first option of holding on. If you’ve had a long period of growth you might only need to sell one property to pay off everything else.

Advantage: You’re debt-free and keep an income
Disadvantage: CGT

Sell the lot 

Liquidate everything and use the proceeds to invest in other asset classes

Advantage: You get more diversification - can take the money and allocate it across a global portfolio. No hassle from property.
Disadvantage: CGT, nothing to pass on.

A mix of the above

Sell one to pay down debts on the rest, sell a couple more to give you a lump of income to diversify across other asset classes, keep the rest for income with low mortgages.

You might even want to buy different types of property at this point, e.g. if you’ve been focusing on capital growth but now what matters most is a strong income.

Could you be a refurb case study in The Property Hub Magazine?

If you've got a refurb story then we want to know. It's easy to let us know you're interested in the possibility of being featured in the magazine, just send us an email to hello@thepropertyhub.net and Vicky will get back to you.

Barclays unveils 10-year fix buy-to-let mortgage at 2.99%

This is a heck of a rate if you do want that security. It wont be for everyone, but it will definitely be of interest to some. A note of caution though: There are some hefty penalties if you think you may want to move away from that mortgage or sell before the end of that term. Check out more on this here. 

Resource of the week

This week's resource of the week will allow you to speed up, slow down, advance and rewind any HTML5 video with quick shortcuts. Download this Chrome extension here.

If you enjoyed The Property Podcast, please leave a review on iTunes

Reviews are really important in helping other people to find the show, so by way of thanks we read out every single review we receive on air.

If you’d like to hear your name on the show, leave us a review on iTunes here.

Not sure how to leave a review? This video shows you how to review and subscribe on iTunes.

Feb 7, 2017

It's time for another couple of questions in this week's edition of 'Ask Rob & Rob'. This week's questions come from Craig & Joe who...

...ask Rob & Rob... two questions about stamp duty.

The Robs give their take on these topics. What do you think? Head over to the forum to discuss.

ASK YOUR OWN QUESTION TO ROB & ROB!

Don't be shy! All you need to do is leave a message with your name and whatever's on your mind.

Just pick up the phone and call 013 808 00035 (normal UK call rates apply).

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

NEED MORE ANSWERS?

The Property Hub Summit is the place to get all your questions personally answered by Rob & Rob, and build a network of other smart, motivated investors.

Over the course of a full day at a swanky hotel we'll help you set your goals, form a plan to get you there, overcome your obstacles, and give you the support system you need to make sure nothing gets in your way.

Just don't hang around - there are only four Summits each year, and just 16 places available at each!

Interested? Click here to find out more.

Feb 2, 2017

In this episode we're going to speak to our very own Rob D in the capacity of 'guest expert'  and we're going to look in depth at bridging finance...

Rob D has been focusing a lot of his investment around bridging loans rather than purchases recently, and he tells us why this has worked for him. He even started his own bridging finance company LendSwift to formalise his involvement in this sector. 

In this episode Rob & Rob explain the basics of how bridging works, when it is a good idea, and when it's to be avoided.

The Robs also discuss when you can use bridging to buy properties that you can't ordinarily raise a mortgage for, and crucially give you their golden rules of bridging.

Go to lendswift.co.uk/borrow to check out the calculators to see how much you can borrow and what it would cost. Don’t use us without shopping around, but use the tool to increase your knowledge.

Yellow Lettings are looking for a London Rep

We're responding to the demand to expand Yellow in to the London area and we're looking for an amazing candidate to join us, working 25 hours a week as a rep dealing with our landlords and their tenants on a regular basis. Does this sound just what you're looking for? You can find all the details right here.

It's Meetup night tonight!

Have you got your free ticket for your local Meetup? Rob D will be in Stratford (East London) and Rob B will be in Richmond, so if you're heading to either of these locations be sure to say hi.

The north/south house price divide to narrow

We promise not to keep making a habit of saying 'we told you so' but the final figures are in for 2016 and Manchester grew by almost 9% last year, with London coming in at 7.3% growth. You can read all about it here. 

Resource of the week

This week's resource is courtesy of Rob B and it's a book - Zero to One. A fascinating read from one of the Paypal founders, billionaire Peter Thiel.

We're social, come and join us.

We're making big efforts to become more social this year, and we'd love you to join in the fun.

Follow us on Facebook

Check us out on Instagram

Join the conversation

Have you used or considered using Bridging Finance? Discuss your experiences over on the forum.

If you enjoyed The Property Podcast, please leave a review on iTunes

Reviews are really important in helping other people to find the show, so by way of thanks we read out every single review we receive on air.

If you’d like to hear your name on the show, leave us a review on iTunes here.

Not sure how to leave a review? This video shows you how to review and subscribe on iTunes.

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