The Business of Property

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 profitability, not just revenue. They reflect on the jo...

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 conversation also covers the quiet state of the market,...

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 strategy is... (you'll need to listen!). Join our e...

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 COVID-19 lockdown, Luke and his partner have successf...

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 monitor mortgage details. They also highlight the...

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. Consider your unique situations when deciding to sell, e...

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 to tenants! Packaging a business for a sale. Life t...

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 . Increase in mortgage arrears and repossessions . House...

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 company experience. Choose the correct SIC code if y...

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 . Limited company vs Section 24 . Buying in a limited co...

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're in a buyers market. Why is Stuart still selli...

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 motivated seller! Knowing what to rule out when lookin...

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 often fix the problem. Going to court. Chasing de...

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 a buy-to-let investment. Purchase, letting, and s...

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 England base rate decision . The new normal. Halving the...

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. Taking on an employee to improve profitability. Using...

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 announcement. Stabilising mortgage market. The quiet...

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 Twitter , YouTube or LinkedIn: Stuart , Simon . Sub...

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 service connections! ... or not ... Coping with trou...

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 name. The NRLA campaigns . Find us on Twitter , You...

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. Scaling up your profit requirements. Find us on...

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 be slow! Sold prices are not suitable as current...

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 responsible. Changing tenant profiles. Enabling h...

Special guest Mike Stenhouse joins Stuart and Simon to talk about building and adjusting his property team while travelling the world. Join our email newsletter for extra, exclusive resources. The property talk this week includes: Special guest Mike Stenhouse . Sarah Beeny . Choosing boat life. Doing an identifiable job inside the business - until you can replace yourself. Making very remote inves...

Simon and Stuart talk about a social media question that Simon recently tried to argue against - that BTL can no longer be profitable! Join our email newsletter for extra, exclusive resources. The property talk this week includes: How we pay ourselves from limited companies . Have interest rates broken BTL . Checking property deal investment levels on the PaTMa BTL calculator . Remortgaging to cre...