The Business of Property

This week Simon and Stuart are running through some updates in their property businesses. Thinking about a share of freehold, rent increases, issuing notices and debt recovery. The chat this week includes: Offered a share of freehold (as a leaseholder). How is a freehold price split between leaseholders? Let Stuart know on Twitter . Risks from a share of freehold. Selling, hopefully! Increasing re...

Jamie joins Stuart and Simon for an inspirational introduction to a property business sector that's set to grow dramatically in coming years. The discussion this week includes: Inspired Villages . Find a passion in business. Empathetic and intentional design. How Inspired Villages got started. Being Net Zero. Applying Net Zero to existing buildings and villages. The ownership and occupancy model f...

Simon and Stuart's chat this week covers losing money, big utility bills, extracting equity via a remortgage and increasing rents. The chat this week includes: Losing £10k. Portfolio . Increasing energy (gas and electricity) costs. Trying, but failing, to pay for water. A very large bill. Remortgaging - Loan to value (LTV) and Rental cover / ICR . Increasing rent, or not. Find us on Twitter or Lin...

Be a fly on the wall for an exploratory property investor conversation. The discussion this week includes: Should it be a JV? What is long term? How putting money in could work. How money might be withdrawn. How a JV agreement might end. Revaluations and increasing equity during a JV. (Sorry about the sound quality after Stuart had to change location!) Find us on Twitter or LinkedIn: Stuart , Simo...

This week Stuart and Simon are joined by special guest Wayne Greenway to get a professional oppinion on a hypothetical flat conversation and chat about all things planning and architecture. The chat this week includes: How Covid has changed typical architecture work. Follow-up to episode 109 . The potential flat conversion property . Considering planning and changes within councils. Planning restr...

Simon and Stuart are talking about how investor relationships can be structured and the investments Stuart has been looking at recently. The discussion this week includes: Continuing from episode 114 Possible structures for investors. Loan / angel funding. Joint ventures. Sourcing, deal packaging and adding value. Being flexible in approaching investors. Investor relationships can be long term (pe...

Stuart and Simon chat about the new PaTMa interface, their property searches and thinking about investors. The chat this week includes: PaTMa has a great new interface - making it even faster and easier to use. Simon has been collecting interesting properties in PaTMa Prospector . Getting back to searching for property deals. A slight change of property direction. Considering investors. We were in...

Simon and Stuart discuss some of the challenges facing landlords in the future and whether they should be putting property investors off in 2022. The discussion this week includes: The Times article . Are we mad (to be property investors)? Mortgage interest relief. Cost of legislative changes. Stamp duty surcharge. Increasing tenant rights. Are property investors taking homes? Find us on Twitter o...

Stuart and Simon are talking about property yield, inspired by a recent article in The Times. Plus a chat on tax returns and how they approach their own. The chat this week includes: The Times article . Track Capital yield map . PaTMa yield explorer . What are the Track Capital yield figures based on? Landlords need to file a tax return . Filing your self assessment tax return. Making tax returns...

Simon and Stuart chat about what they might have done differently in their property investment careers and how things could have turned out differently. The discussion this week includes: Doing our property careers again - how would they be different. Going faster. £3 million property portfolio. Sorry, no spreadsheet! Get in touch if you think it should be shared. Going slower. Paying attention to...

Stuart and Simon realise that quite a lot has happenned in 2021. This weeks chat covers a few of the things that have stood out for them. The chat this week includes: Not reviewing our 2021 goals! New R2R properties. Completing on a sale. Maisonette refurbishment. Two properties sold subject to contract. Three failed sales. PaTMa improvements: Making Tax Digital Open Banking Improve planning appli...

Simon presents an interesting property with development potential for Stuart to analyse further. The discussion this week includes: A potential flat conversion property . Using PaTMa to compare with the local market. An estimated GDV. How to fit possible flats. What would the conversion cost? Next steps. Delays and things you don't think about when planning a refurb. How it could be financed. Cont...

Stuart and Simon chat through an update on recent changes and progress in Stuart's property business. Covering rent to rent, assorted sales, various woes and lessons learned along the way. The chat this week includes: Has Stuart misplaced a house? A rent to rent business update. Minor building woes. Lessons learned from recently starting multiple rent to rent properties. An update on an interestin...

Simon and Stuart talk about direct to vendor (no agent) buying and some considerations in getting the process started; plus thoughts on investing with rapidly increasing property prices. The discussion this week includes: Strongest 3 months growth in house prices for 15 years. Uneven price growth over the last 6 years. Price growth in pounds - compared to people's income. Simon's uncertain approac...

This week is a varied chat with Stuart and Simon exploring some house building stats, then discussing a fairly unusual proposal when selling a flat. The chat this week includes: Completions in October were 52% down! House building - 216,490. Government house building target - 300,000. Nearly 24,000 new homes from a change of use. Council / local authority built properties. Covid forced changes on...

This week Simon and Stuart are chatting about their alternative (non-property) investments. Although a little property investment might be covered too! The discussion this week includes: We have non-property investments! @The_Landlord requested a cryto update. Coinbase (referral link - you'll get a little bit of free Bitcoin if you buy $100). Vanguard stocks and shares investing. Returns over vary...

Stuart and Simon are talking mortgages - with a real life scenario and three mortgage options on the table, what do you need to consider to make a choice? The chat this week includes: Mortgages, mortgages, mortgages! Three mortgages are on offer - what to choose? What's a discounted variable mortgage? Early repayment charges (ERCs). Always remember the fees! LTV vs valuation. Interest costs for th...

Simon and Stuart explore what Open Banking is and how it can help landlords, including looking into the future of Making Tax Digital. The discussion this week includes: What is Open Banking? An example Open Banking setup process. Xero . How landlords can benefit from Open Banking. Simpler record keeping and rent tracking with the PaTMa Open Banking support. Making Tax Digital is coming for landlor...

Stuart and Simon are talking cash flow and explaining how they manage (or not) cash flow in their own businesses. Hear why they've chosen different approaches for their own situations and some mistakes you can learn from. The chat this week includes: Stuart's cash flow "situation". Putting together a detailed cash flow forecast. Managing cash flow by setting/adjusting dates. The value and importan...

Simon and Stuart take a look at the recent budget from a property point of view and discuss some of the topics raised from that. The discussion this week includes: The autumn budget for property people. Changes for landlords. Cladding. Help to buy. Developing brownfield sites. Redhill as an example of heavy in-town development including office to resi conversions. Development effects on town centr...

Stuart returns for a chat with Simon about the latest property transaction figures (covering September), approaches to a hot property market and the importance of having a plan B. The chat this week includes: Covid experiences! Sales transactions in September were up 67%. See images below. Our previous episode with a crypto investment update . Our previous episode about share fund investment . Mis...

Pam and Tania join Simon for a chat about their in-person property meetup in Crawley. They chat about their recent speaker, Gill Fielding, and the current state of the property market. The discussion this week includes: Crawley Property Meet . Gill Fielding and Fielding Financial . Treating other peoples money with respect. Never seen the market like this before (in 40 years). Proximity to transpo...

Simon is joined by Pam and Tania to talk property energy improvements, coping with rising energy costs and how landlords should approach saving the planet. The chat this week includes: Pam and Tania previously joined us to chat about choosing locations and property funding . Stuart and Simon spoke about increasing energy costs last week. Solar panels. Feed-in-tariff pay back period. Considering ap...

Simon and Stuart chat about rents, pricing and how increasing energy costs will impact landlords. The discussion this week includes: Hometrack rental market report . 5% increase. 3.8% decrease. 15 days. Crawley. Increasing rents, or not. Increasing energey costs (for HMO and SA). Energy caps within tenancies. Time:o:stat . Pro-active energey (cost) saving. Please leave us a rating and review if yo...

Stuart and Simon are talking about two important changes for property people on 1st October. The chat this week includes: Important property changes on 1st October. The stamp duty holiday is ending, check the updated stamp duty rates - PaTMa is using the new rates. PaTMa data is showing an increase in fall-throughs. What has the stamp duty holiday accomplished? Reduction in eviction notice periods...