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 31, 2023 18 mins
Simon and Stuart are sharing their top reasons to persevere with property investment with an impressive real-life leverage and inflation case study. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The property talk this week includes: * Why persevere in property. * Leverage - the positives (only). * Inflation and leverage multiplier. * Increasing rents. * High demand. * Less competition. * Find ...
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We're joined again by our mortgage expert to discuss the latest base rate increase and the latest updates in the mortgage market. Including our popular update on the latest available mortgage interest rates. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The property talk this week includes: * Special guest - Mortgage broker Simon Glastonbury (https://www.jsiassociates.com/). * Bank of England ...
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Simon and Stuart are discussing pros and cons of student HMOs, specifically Stuart's past and current experiences. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The property talk this week includes: * Why did Stuart start with student lettings? * The good things about student lets. * Don't always listen to advice! * Paid three times a year. * Higher maintenance. * Competition! * PBSA (Purpose ...
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Stuart and Simon explore the real numbers before, during and after Simon's latest property investment. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The property talk this week includes: * What was Simon looking for? * Thinking back to the property market last year. * Offers and purchase price. * Mortgage woes. * Making up with the rent. * See episode 12 (https://www.thebusinessofproperty.com/...
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Simon and Stuart discuss a particular property that Stuart has, accidentally, been working on for over three years. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The property talk this week includes: * A different approach to "flipping". * Re-cap since episode 36 (https://www.thebusinessofproperty.com/36). * Episode 39 (https://www.thebusinessofproperty.com/39). * A special mention for InterBa...
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Stuart and Simon discuss whether buy-to-let investment is currently broken (or not). Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The property talk this week includes: * Is Simon's latest purchase broken (already)? * Personal name vs limited company. * BTL is broken! * Is BTL over-leveraged instead? * "If you're buying in cash, you're absolutely golden." * Maybe BTL can work in some places? *...
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Simon and Stuart chat about Simon's recent experience (and process) renting a 2-bed house in the South East. Plus, what's the average rental void at the moment and why are so many landlords selling up? Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The property talk this week includes: * Simon bucks the rental void period average by over 150 days! * Simon confesses a planning oversight. * Never...
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April 12, 2023 22 mins
Stuart and Simon discuss the reality of running property businesses and the problems they face. From a slightly alarming market rent report to an even more alarming utility bill. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The property talk this week includes: * New market rent report (https://www.patma.co.uk/property-manager/) from PaTMa. * Simon's portfolio is a little behind the market. *...
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Simon and Stuart discuss the recent news story about the biggest annual fall in house prices since 2009, is it the start of a crash? They also discuss the wider state of the property market, the impact of inflation on renters, and considerations for investors. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The property talk this week includes: * Price drop story, with the graph we discuss, on t...
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Stuart and Simon discuss the reality of running property businesses. Simon shares his experience of putting his property on the market and the response he's received from potential tenants. They discuss the affordability of rent, talk about the shortage of rental properties, and the drop in new rental property listings. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The chat this week includes:...
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Stuart and Simon are reviewing the good, bad and entertaining feedback that Stuart recently received when renewing the HMO licence on one of his existing properties. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The discussion this week includes: * The crimes of Henry Hoover. * The case of the shrinking bedroom. * Growing requirements. * Storing up mould. * Moving walls. * Shower heating. * Fi...
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Simon and Stuart are debating the impacts, benefits and risks from the recent supreme court judgement on RRO liability. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The chat this week includes: * RRO judgement (https://www.supremecourt.uk/cases/uksc-2021-0188.html). * RRO articles (https://www.landlordzone.co.uk/news/breaking-supreme-court-rules-that-superior-landlords-not-liable-for-rros/). ...
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Stuart and Simon are talking about some of the realities of rent-to-rent, as Stuart is bringing new leased properties into his portfolio. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The discussion this week includes: * Growing without buying. * Energy costs up by another 20%. * Being less capital intensive. * Why are landlords choosing to exit from (managing) their properties? * Stuart's cur...
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Simon and Stuart are asking the question "Why would anyone buy property this year?" based on the recent market forecast from Lloyds Bank and the latest PaTMa market data. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The chat this week includes: * https://twitter.com/HousePriceMania/status/1628822096045305856 * https://www.estateagenttoday.co.uk/breaking-news/2023/2/major-lender-warns-of-25-ho...
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February 22, 2023 30 mins
Stuart and Simon are talking about things to consider before making the jump to HMO investing (especially if coming from a BTL background). Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The discussion this week includes: * Thinking about HMOs instead of BTLs. * HMOs are more noisy. * Locations for HMOs. * Buy existing or convert. * To en-suite or not. * Licensing (and maybe planning). * Extra ...
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We're joined by our mortgage expert to discuss the gradually stabilising mortgage market. Including our popular quick-fire round with the latest available mortgage interest rates. (This podcast is not advice, available rates vary by situation, always seek professional advice.) Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The chat this week includes: * Special guest - Mortgage broker Simon Gla...
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February 8, 2023 24 mins
Simon and Stuart are extending their conversation from last week around the financial effects on buy-to-let owners of changing mortgage interest rates - this time taking a look from a limited company point of view. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The discussion this week includes: * Bank of England base rate goes up. * Good news on mortgage interest rates. * Our effects of Sectio...
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Stuart and Simon are using the very real situation one of their BTL properties is in - to illustrate the dangers of rising mortgage interest rates combining with Section 24 tax. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The chat this week includes: * The very real impact of higher mortgage rates and Section 24 combining... * Simon's figures: https://docs.google.com/spreadsheets/d/1-Hd6...
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Simon thinks it might be "fun" to make some property predictions for 2023 - listen in and get in touch to let us know if you agree! Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The discussion this week includes: * Do not base your financial future on our "for fun" predictions! * No prediction spoilers - you'll have to listen for our thoughts on: * Bank of England base rate. * Mortgage...
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This week is all about how the property market is starting 2023, Simon and Stuart talk about prices, time to sell, mortgages and more. Join our email newsletter (http://eepurl.com/icl-1f) for extra, exclusive resources. The chat this week includes: * Highest boxing day listings! * How house prices have started the new year. * 80 days to sell. * A buyers/investors market. * ...or is it - mortgages! * Considering areas. * Property so...
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