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: 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. Changes for landlords in 2020 (https://www.thebusinessofproperty.com/9) - every year brings new regulations to the property sector and 2020 is no different, listen to this episode to hear some of the major changes and check the show notes for details on others. Other great (property) podcasts (https://www.thebusinessofproperty.com/6) - what have Stuart and Simon been listening to recently and recommend in the podcast world, not just property related. 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.... Show More

Episodes

July 8, 2020 25 min
Simon and Stuart would like to know what you always "accidentally" pick up when visiting IKEA? They also talk a bit about property, especially student HMOs. Some of topics and links from this week: * Remortgages. * Spending on a young professional refurb. * Solicitors involved in title splitting. * Why split a 13-bed freehold title. * Trends in student accommodation - occupancy rates in larger HMOs. * Cinema rooms, art room...
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Stuart and Simon revisit the goals they set for 2020 and reflect on their progress, including how Covid-19 has impacted them. Some of topics and links from this week: * Our 2020 goals episode (https://www.thebusinessofproperty.com/7). * Our property investment terms (https://www.thebusinessofproperty.com/12) episode. * Remortgaging with loan to value (https://docs.patma.co.uk/glossary/loan-to-value/), rental cover (https://docs.pat...
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June 24, 2020 24 min
Simon and Stuart chat about some of the recent enhancements in Simon's property software (PaTMa (https://www.patma.co.uk/)) before the conversation wanders onto "property porn"! Some of the topics from this week: * The new investor focussed Property search (https://app.patma.co.uk/prospector/listing/search/) from PaTMa. * Using re-listed properties to find motivated sellers (https://blog.patma.co.uk/2020/06/tactics-for-...
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Stuart shares his ongoing experience with the Bounce Back Loan Scheme (BBLS) and how it's now interacting with his latest mortgage application. Some of the topics from this week: * TMW (https://www.themortgageworks.co.uk/) use a bounce back loan to turn down an application. * Are lenders being over cautious. * Missing tenants. * Is there, will there ever be, a cap on the price small properties can reach. * Universal Credit tena...
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June 10, 2020 24 min
HMOs are dead! Or are they? Simon and Stuart explore the topic. No spoilers this week, you'll have to listen to find out what Stuart and Simon think the future may hold for houses of multiple occupation. CBILS and Bounce Back Loans also get a mention. Please leave us a rating and review if you're enjoying the show.
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Emma once again joins Stuart and Simon to chat about the current state of the property market now that estate agents are opening up again. This weeks chatter includes: * Emma has been reading lots of government guidance to make sure that Estate Agents Hub (https://www.estateagentshub.com/) is ready to function while keeping everyone as safe as possible. * Virtual viewings come in a few flavours, some with music! * Property transact...
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May 27, 2020 25 min
Stuart and Simon discuss their rent receipt situations, shaky airport futures, along with the delights and risks of furlough. Some of the topics in the chat this week: * Pro-active rent reductions. * The short term future for Gatwick is looking uncertain. * Tenant job losses. * Student rent payments seem better than they could be! * Tenant communication (and difficulties with it). * What will September bring for students. * Is furl...
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Simon and Stuart chat about things getting going again in the property world along with their thoughts on CBILS and BBLS borrowing. Some of the topics discussed this week: * Stuart's refinances seem to be coming back to life. * Will mortgage payment holidays damage your ability to borrow in the future. * The first rule is "Survive!". * When a lender doesn't want to lend, they'll find a way. * Applying for CBILS ...
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Stuart and Simon set out to chat about some positive actions that can be taken to improve your property business during lockdown and end up talking about the power of multiplication. Some of the topics discussed this week: * Catching up on paperwork and thanks to PaTMa (https://www.patma.co.uk/property-manager/features/landlord-tax-return/), having property tax return figures are ready to go. * Having a very pleasant chat with HMRC...
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May 6, 2020 25 min
In this update episode, Stuart and Simon chat about what's been changing in their property businesses in recent weeks. Some of the topics covered in the chat: * Stuart has experienced finance options being withdrawn. * Building works have stopped - due to isolation needs! * Trying to get up-valuations from a "desktop valuation" is tricky. * Simon's experiences with rent payments during lockdown. * PaTMa (https://www...
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April 29, 2020 25 min
The second, and final, part of Simon and Stuart's property back-story, continuing their "how" from part 1 (https://www.thebusinessofproperty.com/21). Some of the topics in the chat covered: * Were things planned? * Making crazy goals. * A lot of property learning is actually business learning. * Dealing with a student non-payer. * A buying-with-tenants experience.
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April 22, 2020 27 min
The first part of Stuart and Simon's property back-story, starting with "Why?". Why? Why was property the business that they each chose? Simon and Stuart have very different answers! Stuart gets in a mention that some of his story is also available on Executive Juice (https://executivejuice.com/) - another excellent business podcast! When? Simon discusses the difference between being "just" a landlord and being ...
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Stuart and Simon are joined by mortgage expert Lee to discuss more of the impacts of COVID-19 on the property world, this time with a focus around financing and mortgages. We chat about all sorts of changes and impacts including: * Mortgage holidays and how lenders are adapting to cope with the demand. * Desktop valuations and their increased role. * Looking for new approaches, maybe with drones! * Enquiries are down, but those tha...
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Emma returns to join Simon and Stuart, chatting about why and how she got started in her property business. Discussion topics include: * Emma's two businesses - speech therapy and Estate Agents Hub (https://www.estateagentshub.com/). * Getting to know your customers, being open and honest, always putting them first. * The science and non-science of property valuations. * Being super flexible for the benefit of customers while b...
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April 1, 2020 24 min
Simon and Stuart are settling into the new lock-down normal, struggling to keep track of the days, but otherwise still moving forwards with their property businesses. Following the supposed shutdown of the property market, Stuart still seems extremely busy. With valuations, refinancing, building works and title splits there's a lot going on! And it's almost all continuing at almost full steam! Stuart and Simon discuss how c...
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March 25, 2020 19 min
Stuart and Simon chat about updates in their property businesses, especially in light of the rapidly and drastically changing world we currently live in! (Please accept our apologies for slightly more background noise than normal on this episode.) Note this episode was recorded several days before release and before the most dramatic "lockdown" imposed early this week! What does the current world situation mean for Stuart&#...
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Simon and Stuart are joined this week by Emma! Given everyone is talking about the current virus outbreak, we thought we'd join in. The conversation covers what's happening already in the property world as well as what might be coming. Sales transactions are being cancelled, viewings are down and those that do happen are more difficult. But there are video tours! Stuart's flip project is nearly ready to come to market a...
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March 11, 2020 22 min
Stuart and Simon talk about financing property and how they do it. Simon's oldest mortgage is actually still a residential one with consent to let and it's an old mortgage! In fact his oldest two mortgages are both very low trackers which makes them hard to give up, despite the potential to extract further funds. Stuart doesn't have any old mortgages! He's strictly a short term, fixed rate, mortgage user. Aiming for...
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Stuart and Simon provide updates ranging from football coaching to property angel investment. Simon is soon expecting his money back from a small angel investment project. Stuart and Simon discuss many of the aspects around making angel investments in property companies - effectively an unsecured loan to that company. Why would you? How does it work? Is there actually a "Boris bounce" in the early 2020 property market? The...
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What can you do with a property? Buy it! Stuart and Simon cover a few terms around various property investment strategies: Buy to sell (also known as "flipping") Rent to rent (R2R) Rent to HMO (R2HMO) Rent to SA (R2SA) Below market value (BMV) - does it exist? Off market sellers Motivated sellers Buy to let (BTL) Single let / vanilla BTL House of Multiple Occupation (HMO) Article 4 / HMO planning permission Serviced Accommo...
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