This week on The Property Podcast, buy-to-let is dead apparently. So will this be The Robs last ever podcast?!

Firstly, before we get into today’s podcast episode, we want to say thank you for all the lovely and positive feedback we’ve received over the last couple of weeks in terms of Property Hub Mortgages.

And on the back of that, Rob D would like to give a special shoutout to his mortgage broker, Amy at Keys Mortgages, who recently got him out of a sticky situation.

She’s a prime example of what a good mortgage broker looks like, so give it a listen to find out just what Rob D had gotten himself into.

Now onto this week’s episode, recently there’s been a lot of click bait headlines on the internet stating that buy-to-let is dead, but having nothing to back the statement up in the articles.

But this week, Money Week brought out an article headlining; ‘the death of buy-to-let property’ and it actually had a bit of substance to it. So we thought that we needed to address it.

And that’s exactly what we do in this episode. So, is buy-to-let really dead and is this goodbye? Tune in to find out...

For this week’s Hub Extra we’re bringing you Freetrade. It’s an app that’s available on both Apple and Android and allows you to buy and sell stock shares for free. Usually investing in shares involves a hefty commission fee when you buy and sell which can wipe out any gains you make. So if you decide to have a dabble, let us know if you’re successful, but remember to be sensible with it, we’re not liable for your actions.

In the news this week, not a news article, but a gentle reminder that the lettings and landlord fee ban comes into play at the end of the week! It’s already had an effect with some letting agents shutting down and some landlords saying that their fees have gone up to cover the loss. Someone got in touch and said that their fees have changed by a huge £500 per month!

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.

This week on Ask Rob & Rob, we’ve got Dave Cookson joining the guys again to answer even more mortgage related questions.

Maybe we should have dedicated this month’s ‘ask’ questions to Dave. But nevertheless we’ve got another two cracking mortgage related questions that you may never have thought to ask before.

So let's get started...

The first question comes in from Stuart who has more than one buy to let property in his personal name.

He’s wanting to know if there is a mortgage product where you can combine all of your BTL mortgages into one and effectively just have one lump mortgage that covers all of your properties.

Turns out it’s a pretty common question and one that Dave gets asked quite frequently; ‘can I have one lender that supports my portfolio in a limitedconpany?’ You’ll have to tune in to find out the answer…

Our second question comes from a listener who is wanting to know if he needs a limited company for every property that he purchases. He’s heard of some investors using this strategy but is wondering what’s best in terms of mortgageability.

What’s Dave’s opinion on multiple companies and what advice does he give?

Hit the play button to find out.

Tune in next week when Dave will be back once again to answer more mortgage questions.

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.

This week on The Property Podcast we’ve got a special episode for you - and it’s one that The Robs have been wanting to do for a while.

[Drum roll!] Today, you get to listen to Rob B mentoring two lucky podcast listeners - LIVE! Avid listeners will know that strategy is key, and today we’re revealing just how important we think this is by putting Rob on the spot to offer his advice.

Now don’t worry, this isn’t just specific to Ruth and Christian’s investment plans,(who are the two lucky listeners by the way) there’s so much information given out in today’s podcast that you can apply it to your own property investment strategy. So it’s well worth the listen.

The Robs (and the team at Property Hub Invest) have spent years helping people with their property journey. Many they speak to don’t even have a strategy. But that’s OK, because that’s where we excel.

And we’re all for sharing knowledge.

The first lucky listener is Ruth from Dorset. Ruth and her husband Dennis have already started investing in property in South Wales and have a couple of buy-to-let properties. Alongside their two buy-to-let properties they also have a holiday let.

Running alongside their investments, Ruth and Dennis have an interest only mortgage on their residential home. Their goal is to have £3,000 net income each month from their buy-to-let properties so that when their mortgage expires in 2023, they can service a new mortgage.

There’s a lot of numbers flying around in this one, but with their combined investments, the profit they’re currently making is around a quarter of the way to their £3,000 goal. So what should they do now? Rob B steps in with a strategy that will help them reach their goal by the time they’re due to remortgage.

Next up we have Christian. Christian is already in a nice position with his property investment portfolio. His goal is to increase his cash flow so he can continue to invest and build a pension pot, and have something to hand down to his kids.

Christian already has a standard buy-to-let property in London which produces a decent £16,000 per annum, along with 2 HMO’s. He’s now on the lookout for his next investment in the north.

At the moment Christian is weighing up his options as to when the right time might be to purchase another property, and what kind of property he should be looking at. On the plus side, he was worried about the effects of Brexit, but after religiously listening to The Property Podcast, he’s confident he can still purchase in the next few months.

So what type of property does Rob B think Christian should be looking for ‘up north’, and what should he be focusing on to achieve his goals?

Tune in to find out. Then head over to our social channels to let us know what you thought of today’s episode.

For this week’s Hub Extra we’re giving you the gift of time. No, we’ve not got a new invention, we’re simply giving you advice on your goals - for free!

You’ve just spent the last 20 minutes listening to how Rob B helped Ruth and Christian with their property goals, and now it’s your turn. You can register for your free goals callwith one of our Invest team. On the call you’ll go through your goals to determine whether they’re realistic [very important!] and look at ways to help you achieve them. It’s probably the best call you’ll have all year!

Slots are limited, so book an appointment sharpish.

In the news this week, Letting Agent Today has reported that landlords selling up made an average gain of £80,000 in 2018. This isn’t what surprised The Robs though, it was the fact that this is an average figure which means a huge 15% of landlords have made a loss! This news story certainly ruffles a few feathers. If you’re in this situation and thinking of selling, this episode is well worth a listen as it could change your mind and offer you a helping hand.

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.

On this week’s Ask Rob & Rob, Dave Cookson is back to answer more mortgage related questions.

Mortgage broker Dave has appeared on The Property Podcast numerous times and most recently busted some of the most common mortgage mythsin conjunction with the launch of Property Hub Mortgages.

And today he’s back to answer your mortgage related questions.

The first question is from Rob (yes, another Rob!), who has two properties in his portfolio - both are based in London and have development potential. He’s pretty confident that if he does these improvements, both the rental and resale value will increase.

But how does he raise the initial funds to crack on with his plans?

Both of his properties are on a standard 75% LTV mortgage and the lenders are not allowing any further advance. Does Dave know of anything Rob can do?

The next question comes in from Hannah.

Hannah runs her own business and has the choice of how much income to take in the form of dividends, whilst leaving the rest in the business to avoid paying more tax.

She owns her home outright so doesn’t have many outgoings. But she’s heard somewhere that lenders want to see a minimum amount of personal income.

With this in mind, Hannah wants to know how much she needs to start paying herself from her business to maximise her mortgage options? She’s also been told that lenders don’t count rental income as personal income.

Is this True? Tune in to find out what Dave has 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 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.

The property world suffers a lot of noise. Everyone (mostly) considers themselves to be an expert - you’ll hear a lot of “you can do this” or “you can’t do that” - but quite frankly, a fair bit of it is rubbish.

So today on The Property Podcast, Rob & Rob are putting six mortgage myths to bed.

And what better way to tackle this subject than to get mortgage expert Dave Cookson, from Charles Louis on the show with The Robs today. The three musketeers go on to clear up six mortgage myths that might either be steering you in the wrong direction or holding you back altogether. But we know for a fact that they’re not true.

Tune into this week’s Property Podcast to find out what these six common mortgage myths are and what the guys have to say about them.

In the news this week, mortgage products for expats are improving after being ignored for so long. TML (The Mortgage Lenders) are launching the first expat buy-to-let mortgage product range. Also in the news, Precise Mortgages are making slicing available across its entire buy-to-let range. Rob D pretty much hits the nail on the head with describing what slicing is, so give it a listen.

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.

This week we’ve got one lucky listener Lisa, who’s having both of her property investment related questions answered.

First of all, Lisa wants to know if she should manage her new buy to let property herself or whether she should be working with a lettings agent?

She already has one property in the south that’s fully managed by a lettings agent, so she’s wanting to know if she should stick with that for her second investment property or just give it a go herself.

Whilst Lisa’s second property is in Manchester and she lives locally, Rob B doesn’t feel that she should self-manage just because she lives nearby. It’s completely Lisa’s decision but Rob’s happy to chip in with his reasoning from a personal perspective.

Secondly, Lisa is looking at buying another flat this year and has her eye on Manchester and Liverpool. However, she’s noticed a lot of properties on the market waiting to be rented out.

So Lisa wants to know if The Robs have any advice on what she should prepare herself for, and what she can do to rent out her property quickly.

Can Rob D provide some reassurance and a firm reason where there are so many properties on the market in two large (and very popular) city centres?

Of course he can.

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 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.

This week on The Property Podcast we’re bringing you a blast from the past and going back to episode 31, way back in 2013! The Robs are discussing the topic of how to search for a buy-to-let investment property.

Why are we going back? Because no matter how much Rob & Rob bang on about how important research is, people are still getting it very wrong. The guys will also be giving you a pretty solid framework to follow.

Not everyone goes back and listens to The Property Podcast from the very beginning, so this is a great opportunity to listen to what The Robs have been saying since the very early days of The Property Podcast.

Fundamentally, research will not only make you money, but will also save you a lot of money too.

So tune in and join Rob & Rob on a trip down memory lane and see what research tips you can pick up and use to your advantage. It could just be the starting point you need.

Rob & Rob are also covering their news story of the week. They’re discussing the slowdown of the property marketin light of the current political situation. Whilst residential properties appear to be much harder to sell right now, it opens up a fantastic gap for investors. Have a listen to what Rob & Rob 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 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.

This week the dynamic duo are back together after Rob B left Rob D to fly solo last week.

On this week’s Ask Rob & Rob, we’ve got two listeners who are asking The Robs their advice on how best to invest their lump sum of cash and what they think about mentors.

First up we’ve got Tom. Tom has joined his family business and they have £200,000 sat in their current account and he’s wanting to know how best to invest the money.

He wants to find out where he should invest, how much he should invest in each property and how many properties he should stretch his money across.

Rob B confesses that Tom shouldn’t be looking at investments right now. A bizarre move considering that’s what the Property Hub is about, but he has a pretty good reason for it. Hit the play button to find out why Rob B is advising this.

Next we’ve got Danny who is wanting to know what Rob & Rob think about mentoring. How much should it cost, what should it include and what are the key aspects to look out for?

Rob D advises there are two types of mentoring to look out for. One being somebody who has followed a specific strategy and succeeded, the other is the kind of mentor that you want to just check things along the way.

The Robs aren’t the biggest fans of mentors who charge extortionate prices, because why would you want to pay for something you can get for free right here at the Property Hub?

But nevertheless, Rob D explains what to look out for when choosing a mentor. Take a listen and let us know what you think.

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.

This week on The Property Podcast we’ve got an action packed episode for you as we revisit some of our listeners success stories.

Today we’re catching up with three Hubbers who started their investment journey just one year ago.

First up we’ve got Sarah who started a flipping company in Sheffield and bought two buy-to-let properties. Sarah also teamed up with Simon, her project manager, in a joint venture (which we know a lot of you Hubbers are interested in) so this one will be worth a listen.

Next we spoke to Iain who started off with a two-bed house and then went on to convert his HMO into two houses. Not content with stopping there, he’s also  building a third property onto the end. Iain is used to the developer side of things, but he’s now also dipping his toe into the world of leasehold, mixing up his strategy. But what will the outcome be? Will he stick to developing or will he eventually become a lot more hands off?

Last but not least we’ve got Steve. When we last spoke to Steve he’d been investing for 5-6 years and had four buy-to-let properties. So what’s he been up to over the past 12 months? Steve is big on doing his research and has that much experience under his belt now, he could almost do it in his sleep! Tune in to hear about how Steve has successfully built his property portfolio.

So there we go…   three Hubbers, all who are doing incredibly well with their investment journeys, and all with completely different strategies.

If you have a success story, we’d love to speak to you!

Have you landed a deal, finished a refurb or simply taken your first step onto the buy-to-let ladder?

Let us know! We love hearing about how you’ve taken action. You can find us on the socials (facebook, twitter, instagram) @propertyhubuk or on the forum at propertyhub.net/forum

In the news this week, the most recent Hometrack report headlines ‘northern city house prices storm on as south succumbs to Brexit slowdown’. We hate to say it, but we saw this one coming from a mile off. The report also shows that Liverpool house prices are up 5.5% annually, just one of the hotspot locations we mentioned at the beginning of the year.

This week for our Hub Extra we haven’t got a tool for you, but more of an inspirational quote.

‘You can have anything you want… But not everything you want’.

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.