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The Business of Property

The Business of Property

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The Business of Property follows the journey of two entrepreneurs working in the property world. Stuart is a property investor with a focus on HMOs, mostly for the student market. He prefers a hands-off approach with most of his investment properties being remote. Simon has a small portfolio of vanilla buy-to-let properties that he mostly self-manages. To make his property management easier he created Property and Tenant Manager (https://www.patma.co.uk/). Simon and Stuart, along with guests ...
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In this episode, Simon shares his insights on eight crucial factors for long-term buy-to-let investments. He emphasizes future-proofing properties to maintain their value and appeal. Key considerations include ... you'll have to listen to find out! Episode links: Stats on EV sales. Join our email newsletter for a free weekly property market report.…
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Simon is joined by Simon Glastonbury, an independent mortgage broker with 25 years of experience, to discuss the Bank of England's base rate reduction and its impact on mortgage rates. Simon provides insights into the current mortgage landscape, highlighting anticipated changes and their effects on first-time buyers and investors. The episode also …
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In this episode Simon chats with Julie Condliffe, an award-winning property auction solicitor and seasoned property investor. Julie shares her journey into property investment, highlighting a significant early investment in an apartment in Swindon. She discusses the allure of guaranteed rent and the challenges she faced when the promise fell throug…
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In this episode of the Business of Property podcast, Simon delves into the current financial challenges faced by UK landlords with buy-to-let properties. Simon discusses the financial strain caused by rising interest rates and changes in tax regulations (Section 24). Simon revisits a previously analyzed investment property, illustrating how increas…
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Simon introduces a successful yet straightforward investment property acquired in 2017, highlighting the simplicity of the process compared to more complex deals discussed in previous episodes. Simon details the process of finding, purchasing, and managing a three-bedroom terrace home in Redhill. Emphasizing the importance of sharing both complex a…
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Simon welcomes Susannah Cole, an experienced landlord and property investor, to walk through in-depth details of an investment property case study. Susannah shares her journey of acquiring a property in Bristol, previously owned by a hoarder with nine dogs, highlighting the challenges and strategic decisions involved. Learn how Susannah found the p…
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Simon and seasoned mortgage broker Simon Glastonbury delve into the current state of the UK property market and the potential impact of the general election on mortgages and finance. They explore the outlook for interest rates, speculate on possible stamp duty changes, and discuss the implications of a base rate cut on fixed rates. The conversation…
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Host Simon provides a detailed guide on managing the end of a tenancy. Simon addresses a listener's question about handling council tax, utilities, and other administrative tasks, especially for properties owned by limited companies. He shares his own experiences as a self-managing landlord, highlighting the need for effective communication, docume…
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In this episode, Simon delves into a follow-up discussion on achieving £1 million from a buy-to-let property portfolio, addressing listener questions from the previous episode. Simon introduces updates to the PaTMa Prospector software, which now offers enhanced features for evaluating multiple property strategies and clearer financial forecasts. Si…
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In this episode, Simon explores the pathway to making £1 million from buy-to-let property investments. Simon outlines a simplified model that focuses on rental profit and equity gains. He details an investment strategy involving purchasing standard three-bedroom family homes in Brighton. Listen to find out how this simple property investment strate…
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Simon explores strategies for optimizing a £million property portfolio for minimal time investment, without fully outsourcing. Have you considered how the structure of your property portfolio, and the properties within it, affects the amount of time you spend? Listen for Simon's thoughts on how you should structure a £million property portfolio wit…
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Simon welcomes Julia Scoville, the organizer of Crawley Property Meet. Learn the secrets of (attending) a successful property networking event. Julia recounts the meetup's humble beginnings in a hotel foyer, its growth to larger venues, and the pivot to virtual gatherings during the pandemic. She emphasizes the importance of support for landlords f…
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Host Simon welcomes Rob Turner, Land Director at Virtue Property Group, to discuss the intricacies of land acquisition and the planning permission process. Rob shares his strategies for identifying land opportunities, emphasizing the importance of relationships with agents and thorough site evaluations. He details the planning application steps, in…
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Host Simon, a seasoned property investor, chats with Simon, an expert mortgage broker, about the intricacies of mortgage rates, the influence of the Bank of England base rate, and the specifics of limited company mortgages. The episode delves into the potential fluctuations of the base rate and its subsequent effects on mortgage rates, as well as t…
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In the latest episode of the Business of Property podcast, host Simon welcomes Ami and Rita, co-owners of a property business specializing in blocks of apartments in the South East. They discuss their successful strategy of buying, refurbishing, refinancing, and holding properties, aiming to pull out all invested money with each project. The duo sh…
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In this insightful episode, Simon welcomes Annette Gardner, a seasoned property presenter and stager, to the Business of Property podcast. Annette delves into the nuances of property staging, sharing her valuable experience in transforming homes to captivate potential buyers or tenants. She highlights the significance of neutral decor and strategic…
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In the latest episode of the Business of Property podcast, host Simon delves into his process for evaluating properties from his desktop. He shares valuable insights on assessing floor plans, scrutinizing photos, and the benefits of virtual tours for a better grasp of a property's layout and condition. Simon also discusses using Google Street View …
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In the latest episode of the Business of Property podcast, host Simon is joined by Stuart French, co-owner of Pineapple Group. Stuart imparts his expertise on navigating the myriad of challenges in the property investment landscape, from tax hurdles to financial planning and property management. Stuart's journey in property investment is nothing sh…
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Host Simon is joined by Simon Glastonbury, a seasoned independent mortgage broker. They note an uptick in available properties but a corresponding dip in buyer urgency, and round-up the latest mortgage rates. They delve into the nuances of the UK property market, noting an uptick in available properties but a corresponding dip in buyer urgency, whi…
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In this insightful episode of the Business of Property podcast, Simon chats with Philip Mallourides, a seasoned property investor, to unravel his unique property journey from rent-to-rent (before it was) to blocks of auction purchased flats. Philip recounts how he inadvertently became a landlord in 1996, a move encouraged by market conditions. He s…
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In this episode of The Business of Property podcast, co-hosts Simon and Stuart delve into the realities of managing property businesses. Stuart reflects on the lessons learned throughout his property journey so far. The discussion provides valuable insights into the challenges and successes of running a property business, as shared by Stuart from h…
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In this episode of the Business of Property podcast, co-hosts Stuart and Simon engage in a lively debate about the meaning of a "real property business". Simon presents a scenario where a property business makes a loss initially due to investment and maintenance costs but still generates income through rentals. Stuart stresses the importance of rea…
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Simon and Stuart engage in a detailed conversation about the complexities of managing a diverse property portfolio. They discuss the unique challenges that come with different types of properties, such as buy-to-let, commercial spaces, serviced accommodation, and HMOs. They stress the importance of having a clear strategy and understanding what 'fr…
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In this episode, Stuart, Simon, and resident mortgage broker Simon Glastonbury discuss the recent budget's impact on property businesses. They cover the VAT threshold increase, the capital gains tax reduction for property sellers, and the decrease in the tax-free allowance. Stuart welcomes tax reductions, while Simon Glastonbury highlights how the …
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Stuart and Simon delve into the UK house price index, discussing its meaning for the property market and examining regional price variations. They note a slight national decrease in property prices but highlight significant regional disparities. Personal anecdotes from Simon and Stuart reveal a more complex market situation than the statistics sugg…
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Stuart and Simon explore the financial journey of Simon's property business. They start with the 2016-2017 tax year, where Simon's three buy-to-let properties yielded £36,000 in revenue and £29,000 in pre-tax profit. The conversation then covers the challenges posed by Section 24, which affected mortgage interest tax relief, increasing costs and re…
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Stuart and Simon share strategies for landlords on finding and selecting tenants for rental properties. They discuss the importance of preparing the property, taking quality photos, and writing effective listings. They explore options for advertising on rental portals and the benefits of self-managing the process versus using agents. The duo also t…
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Simon and Stuart discuss the significant growth of Stuart's property business over four years, focusing on revenue and strategic shifts, particularly the move into the rent-to-rent market. Stuart shares his initial challenges and the evolution of his business from a £10,000 monthly revenue to a projected £35,000, emphasizing the importance of profi…
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In this episode of the Business of Property podcast, Stuart, Simon and Simon discuss the Bank of England's decision to maintain the base rate and the impact on the mortgage market. They highlight recent rate drops, plus the rise in some lenders' rates! Not to mention the significant fees associated with mortgages and their effect on LTV. The conver…
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In this episode, Simon and Stuart explore the importance of aligning property strategies with personal preferences and strengths when growing a property business. Stuart shares his experience with HMOs and the necessity of adaptability, while Simon reflects on his slow, steady approach to building a property portfolio. They conclude that the best s…
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In this episode Stuart and Simon interview Luke Blakemore. Luke shares his journey from starting with buy-to-let properties to engaging in larger development projects. He discusses the importance of using investors' money wisely, ensuring a minimum 20% return, and building a trustworthy team. Despite challenges like problematic builders and the COV…
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Stuart and Simon discuss strategies for managing mortgages, as fixed rates come to an end. They emphasize the importance of tracking end dates, exploring options with current lenders or other banks, and understanding the long-term effects of fees and interest rates on mortgages. They advise against waiting for lower rates and suggest using tools to…
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Stuart and Simon explore reasons for selling, such as releasing capital or divesting mismatched properties, and the financial implications, including tax considerations for personal versus company-owned properties. They delve into challenges in property valuation, market unpredictability, and the importance of flexibility in decision-making. Consid…
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Special guest Julia Scoville joins Simon and Stuart to talk about her approach to starting, scaling and selling her specialist HMO lettings agency. Join our email newsletter for extra, exclusive resources. The property talk this week includes: Why start an HMO letting agency? Learn from the corporate world. Managing HMO relationships. Being a mum t…
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Stuart and Simon review their 2023 predictions on the Bank of England base rate, mortgage rates and house prices. Join our email newsletter for extra, exclusive resources. The property talk this week includes: Our 2023 predictions episode. Base rate prediction vs reality BTL rates according to Which. Government support for mortgage holders. Increas…
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Simon and Stuart discuss the practicality of using a limited company for property investments - tax, mortgages, and capital investment. Join our email newsletter for extra, exclusive resources. The property talk this week includes: Simon's last investment. Setting up a company is easy, direct on the government site. Starling Bank. Simon's new compa…
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Simon Glastonbury joins us for an episode dedicated to limited company mortgages! We discuss requirements, current rates and some common myths. Join our email newsletter for extra, exclusive resources. The property talk this week includes: Special guest - mortgage broker Simon Glastonbury. Past limited company episodes: How we pay ourselves. Limite…
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Stuart and Simon are discussing the latest HomeTrack House Price Index and trying to sell well, in a buyers market. Join our email newsletter for extra, exclusive resources. The property talk this week includes: Hometrack House Price Index. Looking back over the year of property market changes. House prices are down. Property availability is up. We…
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Simon and Stuart are talking about how software has enabled and enhanced their search for the best property deals. Join our email newsletter for extra, exclusive resources. The property talk this week includes: Finding an investment property with PaTMa. Automate monitoring for fall-through properties. Finding the motivated sellers. Don't be a motiv…
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Stuart and Simon are talking about how their tenancies have ended in the past and how that might change in the future. Join our email newsletter for extra, exclusive resources. The property talk this week includes: How do most tenancies end? The rarity of Section 21. Real reasons for evictions. Section 21 validity flow chart. Serving paperwork can …
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Simon and Stuart have all the numbers for a real-life 9 year buy-to-let investment that's just been sold. Listen in to find out how it performed and how it could have been even better! Join our email newsletter for extra, exclusive resources. The property talk this week includes: The property spreadsheet we discuss in this episode. The full life of…
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With the BoE holding rates, Stuart and Simon are talking about mortgages again, including how Stuart has remortgaged to halve his payments on one property! Join our email newsletter for extra, exclusive resources. The property talk this week includes: Take the questionnaire to discover if you're ready to scale your property business. Bank of Englan…
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Stuart and Simon discuss their new quiz to discover if you're ready to scale your property business. Plus Stuart's unusual approach to reducing costs in his business. Join our email newsletter for extra, exclusive resources. The property talk this week includes: Take the questionnaire to discover if you're ready to scale your property business. Tak…
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Simon Glastonbury joins us with all the latest mortgage news. We're talking about the quiet property market, crazy fees and of course all the latest interest rates. Join our email newsletter for extra, exclusive resources. The property talk this week includes: Special guest - mortgage broker Simon Glastonbury. The next Bank of England base rate ann…
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Stuart and Simon talk through a selection of the latest data from PaTMa on the current state of the property market. Join our email newsletter for extra, exclusive resources. The property talk this week includes: The Business of Property on YouTube. Charts and graphs. Weekly property market insights from PaTMa. Changes in late 2022! Find us on Twit…
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Simon and Stuart are catching up on Stuart's recent refurb project, and it didn't all go according to plan! Join our email newsletter for extra, exclusive resources. The property talk this week includes: Listen to episode 198 for the back story. A very tight renovation deadline. Painting, decorating, waste removal, deep clean, furniture, and new se…
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Stuart and Simon talk about their dislike of the term "Landlord", but what else should we be called? Join our email newsletter for extra, exclusive resources. The property talk this week includes: Now with video! Two views on disliking the term Landlord. Is being a landlord holding you back? What else could we be called? Your external vs internal n…
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Simon and Stuart are chatting about property business profit at scale. Join our email newsletter for extra, exclusive resources. The property talk this week includes: What's your day-job salary "profit"? Profit from a property business can be surprisingly low. Should you minimise outgoings before starting a business? The profit in a single property…
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Stuart and Simon talk through finding good comparables to help with property valuation, plus things to consider when adjusting the market value to the value for you. Join our email newsletter for extra, exclusive resources. The property talk this week includes: Land Registry alert service. Property market data from PaTMa. Land Registry updates can …
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This week we're taking a deep dive into a very active project for Stuart - at the end of week 1, of only 2, for his latest rent-to-rent property. Join our email newsletter for extra, exclusive resources. The property talk this week includes: Short deadline. The R2R deal background. All the work needed. The glamour of being a landlord. We are always…
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