The Business of Property

The Business of Property

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, discuss the ups and downs they're experiencing in their property businesses. Along the way they share property news, business tips and anything else that happens to crop up their weekly chats. Popular episodes include: Getting started in property (https://www.thebusinessofproperty.com/59) - the first in a mini series discussing topics to consider when starting in property investment. Property investment terms (https://www.thebusinessofproperty.com/12) - great if you're just getting started in property and need some help understanding the common jargon. Property strategy terms (https://www.thebusinessofproperty.com/13) - another jargon busting episode that's great if you're early in your property journey or considering changing your property strategy. Less property but relevant to everyone is a discussion on time management (https://www.thebusinessofproperty.com/10). Last but not least are a couple of episodes that talk about angel investing (https://www.thebusinessofproperty.com/14) and property finance (https://www.thebusinessofproperty.com/15) more widely.

Episodes

May 5, 2021 22 min
Stuart and Simon cover some recent updates in their property businesses - from renting rooms to issues selling properties and the cost of an EWS1 survey. The chat this week includes: * Results from changing letting agent. * Advertising on different channels. * "Can you put a hot tub in the garden?" * Increased rent following a design-led refurbishment (https://www.thebusinessofproperty.com/37). * Re-opening lines of communi...
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Simon and Stuart respond to a request for their thoughts on the next 5 years in the property market - along with reviewing recent price index reports. The discussion this week included: * Our recent chat about the property market (https://www.thebusinessofproperty.com/72). * Property market reports: Nationwide (https://www.nationwide.co.uk/about/house-price-index/report-archive#xtab:2021), Halifax (https://www.halifax.co.uk/media-c...
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Stuart and Simon provide updates on their recent property business experiences. They chat about property maintenance, tradespeople, and knowing your market. The chat this week includes: * Tenants leaving. * Dealing with leaks and resulting mould. * Maintenance, maintenance, maintenance. * EICR deadline and electrician availability. * Tradespeople availability. * Materials availability. * EWS1 saga (https://www.thebusinessofproperty...
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April 14, 2021 34 min
Simon and Stuart talk about recent news of some unusually high numbers in the property market. The discussion this week included: * UK residential transactions in February 2021 is 147,050, 48.5% higher than February 2020 (https://www.gov.uk/government/statistics/monthly-property-transactions-completed-in-the-uk-with-value-40000-or-above/uk-monthly-property-transactions-commentary). * Pressure from the stamp duty holiday vs real mar...
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Stuart and Simon chat about their varied experiences with recent tenant demand for rooms and properties they've let. The chat this week includes: * A lack of tenants. * Choosing your channel to match your market. * 13 of 15 new rooms filled. * Beating the HMO oversupply around Gatwick. * OpenRent (https://www.openrent.co.uk/) and Visum (https://www.visum.co.uk/). * Crazy single-let demand - nearly 30 enquiries in a week. * Perh...
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This week Simon and Stuart talk through a recent viewing experience, putting in a low offer, and how basic repairs can disproportionately affect ROI. The discussion this week included: * Looking for a new investment property. * Taking advantage of an empty house for a Covid-safe viewing. * PaTMa property price monitoring (https://www.patma.co.uk/property-prospector/). * "enjoy your new home without delay". * Teardown from v...
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March 24, 2021 26 min
Stuart and Simon start out this week with a tale about a holiday let that isn't going as planned. This leads the conversation to a past story about council involvement. The chat this week includes: * Holiday let gone wrong! * Why people want short term lets. * Open communication. * Trusting people. * Council support, or lack of, for evictions. * Conflicting council incentives. * Wasted public costs and emotional turmoil. * Miti...
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Simon and Stuart discuss what the stamp duty holiday extension means for them and end up telling a tale of new-build woe. Sorry for the lower than normal sound quality. The discussion this week included: * Changing plans from the stamp duty holiday extension. * House builders hedging their bets. * Visiting your new (pre-)build. * Seeing the "insides". * A troublesome new-build completion tale. * Short notice to completion. ...
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March 10, 2021 24 min
This week Stuart and Simon talk about the four properties that Stuart currently has on the market, in various stages of the selling process. Including one property that's a fully tenanted HMO. The chat this week includes: * Selling a fully tenanted HMO. * Releasing equity to reduce finance burdens. * Comparing single dwelling value to fully licensed HMO. * Reconfiguring back to a single dwelling. * Children cooking! * Influence...
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Follow along as Simon walks through his thoughts from evaluating two potential investment properties that were recently available at auction. The discussion this week included: * Simon's investment criteria. * Considering flats (a block of) vs houses. * Deep dive into two evaluating two auction properties: * Detached house in Redhill (https://mchughandco.com/Auctions/Details.aspx?aid=1141&pid=148a868c-bbe3-437c-959e...
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Pam and Tania continue their recent conversation with Stuart and Simon, with a focus on angel investing and choosing locations. The chat also covers the changing world and property market, along with adapting to cope with it. This is part 2 of the discussion, you can find part 1 here (https://www.thebusinessofproperty.com/64). The chat this week includes: * How to find angel investors. * Pam & Tania's Deal Diaries (https://...
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Pam and Tania join Stuart and Simon to chat about how they've very deliberately chosen their investment locations. They also talk about their investment strategy, how they got started and their approaches to funding from external investors. Part 2 of this chat can be found here (https://www.thebusinessofproperty.com/65). The discussion this week included: * Choosing investment location deliberately. * Demand, transport links, c...
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Property investment needs money - funds to invest when getting started and also to fuel growth. Simon and Stuart chat about their own considerations and approaches to using external funds for their property investment. The chat this week includes: * Being offered money. * The stress of other peoples money. * Individuals vs banks. * Overcoming fears for business growth. * Difficult investor conversations. * Coping with unexpected ch...
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Taking a quick break from the getting started in property (https://www.thebusinessofproperty.com/59) series, Stuart and Simon run through the latest updates from their property businesses. The discussion this week included: * Stuart's design led refurbishment has it's first tenant. * View the agent listing here (https://www.dclane.co.uk/property/residential/for-rent/devon/plymouth/mutley/lisson-grove/30317619) and some phot...
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Simon and Stuart continue their series on starting in property, this week continuing on being aware of your inputs and moving on to a discussion around choosing your investment location. The chat this week includes: * How/why we invested the way we did. * Low time commitments. * Investment matrix (https://files.fireside.fm/file/fireside-uploads/images/4/4a645fba-0a8c-45c3-8a71-d0ae7c83b867/ut5PEmHy.jpg) - strategies available from ...
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Stuart and Simon try to look at resources that you need to consider when planning property investment and get a little sidetracked into discussing personal vs limited company ownership of investment property. The discussion this week included: * The resources needed to invest in property. * Time. * Money. * Knowledge/expertise/experience. * The best knowledge comes through doing. * Doing means walking the streets. * Using agents, o...
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Responding to listener feedback, Simon and Stuart are starting a series of discussions about starting property investment. Initially with reasons and why this week, then covering early decisions, processes and even real potential properties. The chat this week includes: * Why we chose property. * Our property back story, part 1 (https://www.thebusinessofproperty.com/21) * Our property back story, part 2 (https://www.thebusinessofp...
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January 6, 2021 23 min
Stuart and Simon are looking ahead to what their 2021 might hold and more specifically how they're getting it started. The discussion this week included: * Looking to buy. * Simon's property type preference. * Considering buying with existing tenants in place. * Rent from day one. * Considering the risks - with restricted eviction options. * Section 21 vs Section 8. * ROI / Return On Investment (https://docs.patma.co.uk/glo...
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This week is a mix of news, updates and reviewing the goals Simon and Stuart set themselves for 2020. The chat this week includes: * Welsh stamp duty increase (https://gov.wales/land-transaction-tax-rates-and-bands) - use the PaTMa buy-to-let profit calculator (https://app.patma.co.uk/prospector/property-profit-and-yield-calculator/) to see the latest figures. * Stamp duty increase for overseas investors. * Prime London property as...
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In a slightly longer than normal episode, Stuart and Simon look back over their topics of property conversation in 2020. Bringing new insights, updates and the benefit of hindsight into the discussion. Some of the topics covered this week include: * A lucky escape. * Expected changes for landlords in 2020 (https://www.thebusinessofproperty.com/9). * Property investment glossary (https://www.thebusinessofproperty.com/12). * Property...
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