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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: March, 2017
Mar 30, 2017

Some people think that Rob D isn’t a new builds kinda guy, this isn’t true. New builds are great for hands off investors, but you need to be aware of key points to be successful.

Why you would in invest

All new appliances and 10 year warranty - Ideal for hands off investors

BMV possibility if you buy in volume - learn more on buying BMV in our course here. 

Tennant appeal - What would you lease a new car or an old car?

Buying process - No chain

Lower energy bills

Why you wouldn’t

Hard to add value - So not great for investors who want to be hands on

Can be hard to assess value in some situations where there are no direct comparables

Snagging

Other things to be aware of

Are they overpriced in the first place?

Time to let on a large new development?

News story: City house price growth slows to 6.4%.

City house price growth slows to 6.4%. Manchester is now the  fastest growing city as London slips to 10th in growth rankings. Read all about it here.

 

Meet Rob D in Scotland

Our Scottish Meetups are brilliant already but in April we are having a re-boot of our Edinburgh Meetup and we're sending Rob D to say hi. If you can make it, he would love to see you. You can book your completely free ticket to the Edniburgh Meetup on April 6th here.

If you can't make it to Edinburgh there is bound to be a Meetup near you anyway - you can find more details and links to book your tickets, right here.

 

Resource of the week

Music to improve productivity and flow? Yes please. This is right up our street. You'll find the site purposefully simple and easy to use. I’ve been using the service for a little while, and it’s perfect for what it’s designed to do: Give you something to listen to while you get some work done. Check it out here. 

Continue the conversation over in the forum

Do you invest in new builds? Do you avoid them? Let us know why and join the conversation over in 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.

 

Mar 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 Drew & Matt who...

...ask Rob & Rob...What effect will the government white paper have on house prices? PLUS: How do you pay off an interest-only mortgage?

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.

Mar 23, 2017

A long overdue podcast focussing on buying in Scotland. What to be aware of when you buy in Scotland, and of course, we will be discussing where to buy.

Check the Home Report. 

The Home Report is a document that exists in Scotland but not here, and we love this as it gives both parties a lot more confidence in the sale as it progresses, as there are no surprises that crop up along the line. 

This will contain a survey (including a valuation), an energy report and a property questionnaire.

Plan your offer

Properties are marketed at a fixed price (which you can offer below if you want), or “offers over”. When it’s “offers over”, you submit a sealed bid before a certain date. After the deadline, the vendor’s solicitor opens all the offers and the vendor chooses which to accept.

Your solicitor puts in the offer

Offers are made by your solicitor directly to the vendor’s solicitor – not via estate agents. So you need to have a solicitor in order to make an offer. You can make your offer “subject to survey” if you want to get your own survey done rather than just relying on the Home Report, but this will obviously be less attractive.

Go through the legals

If your offer is accepted, the vendor’s solicitor will issue a “qualified acceptance” and pass across the property deeds and other documents. Your solicitor will go through it all and raise enquiries.

Once they’re happy, the two solicitors exchange letters – this is known as “concluding missives” and at this point the sale is binding on both sides

Complete

On the date agreed in the contract, you pay the full purchase price (there’s usually no deposit) and the property is signed over to you

So, that's the process, but where should you buy?

Edinburgh – An extremely popular area, but supply is very low at the moment so prices are very high.

Glasgow – Glasgow has lots of demand due to overspill from Edinburgh, so it is fairly expensive but is popular.

Commuter belt of Glasgow/Edinburgh Riding the ripple effect from these two major cities, is the commuter belt, which is well worth checking out.

Stirling – The UK’s most affordable city and a popular tourist destination. (Thanks Ollie Hughes on Hub for the heads up here)

Aberdeen –  Thsi is an interesting market, because it’s so dependent on the oil industry.  Aberdeen had the biggest fall in price in the UK last year.

West Coast, Ayrshire – Another area where high yields are available.

All this said, we're not experts on the Scottish market but there are plenty of people who are over on the forum.

Meet Rob D in Scotland

Our Scottish Meetups are brilliant already but in April we are having a re-boot of our Edinburgh Meetup and we're sending Rob D to say hi. If you can make it, he would love to see you. You can book your completely free ticket to the Edniburgh Meetup on April 6th here.

If you can't make it to Edinburgh there is bound to be a Meetup near you anyway - you can find more details and links to book your tickets, right here.

News story: The Budget U-Turn

Last week we discussed how the Spring Budget was a bit of a non-event, but this week the Government have cemented that status by doing a u-turn on the one major thing that was announced. Read all about it here, but in a nutshell, national insurance is staying the same.

Resource of the week

A Chrome extension from Rob D's friend Patrice. Subliminal Affirmations - set messages that you want to absorb into your conscious. Sounds mad? Maybe, but Rob D has been using this for a couple of weeks and confirms he is feeling even more awesome than usual.

Continue the conversation over in the forum

Have you invested in Scotland? Are you considering it? Discuss all things Scottish in further detail over on the forum. You will see it's discussed pretty often, for example when Charles D recently asked about areas he should consider investing in, or when James from London started this post all about looking at deals in Glasgow.

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.

Mar 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 Lance & Edward who...

...ask Rob & Rob...What are the tax implications of remortgaging? PLUS: Where in the cycle are we?

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.

Mar 16, 2017

The teams at RMP and Yellow have both grown in this past week. RMP have said hello to Julia and Christa, and Yellow have welcomed Donna and Nicole. So that's been a pretty busy week for us all round really!

We've also been creating some more free courses this week. Check out the ones that are there already here, and look out for a brand new course in the next few weeks.

News story: World's fastest hover train could go from Liverpool to Manchester in 7 minutes. 

The Robs could not be more excited about this, even if it does seem quite a long way off right now. It combines some of our favourite cities to invest in, plus trains (and we all know how much Rob B like's trains!). So this is probably one of the most exciting news stories they've seen in a while.

Check out more about the potential Maglev train here.

The Spring Budget

This is a mini-budget, if you will. We've had to dig pretty deep to find something to say on this as The Chancellor did not mention housing at all. Here's a brief summary of points you might want to note though.

  • Nothing about mortgage relief or stamp duty...in fact, nothing about housing at all!
  • As before – Corporation tax will fall to 19% this April, and will then fall to 17% in April 2020. So good for those holding properties in a company
  • The tax free dividend allowance for company directors will be reduced from £5K to £2K from April 2018.
  • Extension until 2019 until landlords need to keep digital records and send quarterly updates to HMRC
  • Rent-a-room relief – The government will consult on proposals to redesign rent-a-room relief, to ensure it is better targeted to support longer-term lettings. This will align the relief more closely with its intended purpose, to increase supply of affordable long-term lodgings.

And from the makers of The Northern Powerhouse...

Did you enjoy the Northern Powerhouse...then you’ll love the Midlands Engine!  We don't have much to say on this right now, but watch this space.

Resource of the week

A lack-lustre budget but to make up for this we have not one but two resources of the week!

Managing your credit file is not exciting, but it is important. It's good to checkout a regular snapshot of how things are doing. The first resource this week is from Money Saving Expert and is called Credit Club. It's super useful and once you're signed up they will do the rest.

You can also get a free score from Experian now. This used to be around £15 per month, so is well worth checking out.

Continue the conversation over in the forum

What did you think to The Budget? Did you get as ridiculously excited over the prospect of the hover train, as Rob B did? Let us know over in 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.

Mar 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 Trevor & Andy who...

...ask Rob & Rob...Can a Shared Ownership property be a buy-to-let? PLUS: My buyer pulled out!

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.A

Mar 9, 2017

This week The Robs jump in their time machine and look at what they would do if they could start investing all over again.

Listen to the podcast in full to find out how both of The Robs started out, and what they would have done differently with the benefit of hindsight. What opportunities did they miss, which disasters do they think they avoided, where would they focus their investment, and what do they think they definitely got right.

News story: Irish government meet with Airbnb to address housing concerns

The housing minister met Airbnb amid concerns that the business is driving up rents and removing housing stock from the rental market in Dublin. Pressure has grown on the government to limit the number of days that a property can be made available to let on Airbnb after findings that there were 2,984 listings in Dublin that involved entire properties being made available for more than 90 nights a year.

Read more on this one right here.

 

 

Resource of the week

This week's Resource of the Week is  www.walkscore.com. This one combines Rob B' favourite things - walking and fundamentals! This one we grabbed from over on The Property Hub Forum (what do you mean you haven't checked it out yet?!). This resource gives you a walk score for the fundamentals in any given area - enjoy playing about with that one!  The Robs checked out their own postcodes and one fairs significantly better than the other!

 

Continue the conversation over in the forum

How did you begin and what would you do differently if you could rewind the clock? Let us know over in 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.

Mar 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 Iain & (another) Rob who...

...ask Rob & Rob...What's the best way to forecast maintenance? PLUS: How to protect your credit file when moving home

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.

Mar 2, 2017

A total geek-out for The Robs this week as they're both bookworms. This week they take a look at non-property books which can make you a better investor, and this is well worth checking out.

Rob B gives us a brief teaser of his first investment of the year, more to come on that in a future episode!

Listen to The Robs at the Tropical MBA Podcast

Our favourite podcast other than this one has to be the Tropical MBA Podcast and if you haven't checked it out yet then why ever not? Now is a great time to dive into this one though as you can listen to Rob and Rob in conversation with TMBA in  episode 377: How does your business feel?

House prices set to rise for the next 50 years and outstrip incomes even further, warns ex-Bank of England economist

Our news story this week is exactly as the headline suggests. Rob D has a note of scepticism and explains why, but as Rob B mentions, we make plenty of predictions here at The Hub ourselves! Take a look at the full story here.

It's Meetup night and Rob D is off to the seaside!

It's Meetup night and Rob D is heading to the seaside to the re-launch of the Brighton Meetup. Get your free ticket here if you would like to join him this evening.

Meetups will take place across the country tonight (and in Copenhagen and Hong Kong too), and if you'd like to find your nearest venue, just check out the details over on the website.

Resource of the week

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

Arnold Schwarzenegger - Total recall

Inspiring! But did you know Arnie made his money through property before he was famous?

How to fail at almost everything and still win big - Scott Adams

Lessons: Talent stacking, systems v goals

Tools of Titans - Tim Ferriss

Lessons: Loads - from top performers in all fields

The Subtle Art of not giving a f*** – Mark Manson

Lesson: Perspective  and not being bothered by small stuff

“In life, we have a limited amount of f***s to give. So you must choose your f***s wisely.”

Delivering Happiness - Tony Hsieh

Deliver service like this in property and you’ll stand out for all the right reasons

Continue the conversation over in the forum

Recommend a book that we can add to our ever growing must-read list.

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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