The Business of Property

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 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-2...

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 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 HMO co...

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 for extra, exclusive resources. The chat this week includes: Special guest - Mortgage broker Sim...

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 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 Sect...

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 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...

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 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 rates....

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 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 sourcers...

Stuart and Simon are talking about some of the key finances in all property businesses - rents and agent fees. Plus still thinking about cash flow and how other major expenses breakdown. Join our email newsletter for extra, exclusive resources. The discussion this week includes: Do you have a forecast profit figure for the year ahead? EBITDA. Finding the current market rent (with PaTMa). Letting a...

Starting 2023, Simon and Stuart are thinking about how to be prepared for some of the potential headwinds facing landlords. Join our email newsletter for extra, exclusive resources. The chat this week includes: Welcome to 2023! Cash flow. Mortgage finance costs. Track your fixed rate mortgage dates - use a calendar, spreadsheet, or PaTMa. Talk to a mortgage broker early . Energy costs. Solar panel...

To review the eventful year of 2022, Stuart and Simon each choose a word to encapsulate their property journey! Join our email newsletter for extra, exclusive resources. The discussion this week includes: Our words of 2022. What went well in 2022. Biggest learnings from 2022. Considering our words for 2023. Find us on Twitter , YouTube or LinkedIn: Stuart , Simon . Subscribe to The Business of Pro...

Simon and Stuart both have refurbishment projects in progress at the moment and are chatting about how they're getting them started. Join our email newsletter for extra, exclusive resources. The chat this week includes: Two refurbishment projects. Builder planning months in advance. Vs slightly later planning! The story so far on Simon's refurb. Planning refurbs in spreadsheets. Building relations...

Stuart and Simon are chatting about movements in the rental market, and managing the process of changing rents for existing tenancies. Join our email newsletter for extra, exclusive resources. The discussion this week includes: "The press" are always a bit behind what's actually happening in the rental market. Rents are currently a bit down - rental data from PaTMa. January will be a better measur...

Simon and Stuart are talking about their real life investment returns - comparing across crypto, stocks and shares, and of course property. Join our email newsletter for extra, exclusive resources. The chat this week includes: Comparing returns across asset classes in our investment portfolios. Crypto investments. Stocks and shares. Property capital gains. Remember rental income too. Inflation is...

Stuart and Simon chat about two identical, but differently priced, properties that Simon has been looking at as potential buy to let investments. Join our email newsletter for extra, exclusive resources. The discussion this week includes: Property twins! 350k property . 400k property . The market is a bit confused at the moment. Rightmove price history with PaTMa. A big brick wall. Comparing the r...

Simon and Stuart are talking about some of the actions they choose to take to live intentionally and make personal improvements. The chat this week includes: Looking at organising our time. Simon's a night owl. Stuart's a morning lark. Making the most of our mornings. Choosing to fit things in. Working around children. Avoiding duplicate actions to streamline our days. The challenge of getting up....

Stuart and Simon are chatting about the rapidly changing property market. They speculate a little on what the future may hold and how you can approach it. The discussion this week includes: A more rapidly changing market? Auction reductions email . Is the current "price vs interest rate" situation an historic anomoly? Savings account vs property investment. Making offers slowly. Auction guide (and...

Simon and Stuart are talking about their latest investments and potential investments. Including some things not going as planned and deciding against buildings with potential. The chat this week includes: Our property business updates! Unused space above a tanning studio. Our previous intro to this property . Considering access. Completing on a smelly house. Subscribe to our email newsletter for...

Stuart and Simon have a discussion around where the property market is at the moment - use the latest market data from PaTMa. The discussion this week includes: Subscribe to our email newsletter . Weekly property market data from PaTMa. The changing number of asking price reductions (now the highest in two years). Initial listing prices (mostly) holding steady. 1-bed price changes over two years -...

Simon and Stuart are talking about the new (much higher) mortgage stress test rates and their real world effect. Plus a real-world analysis of a tracker vs fixed mortgage rates over the last 20 years. The chat this week includes: Last weeks episode on mortgage rates . Try out the new stress rates using the PaTMa buy-to-let profit calculator . Don't miss fixed rate mortgage expiry dates with Proper...

We're delighted to be joined by our mortgage expert to discuss the rapidly changing mortgage market of the last few weeks. Including updated stress test rates and the latest available mortgage interest rates. The discussion this week includes: Special guest - Mortgage broker Simon Glastonbury . Recent mortgage market adventures. Changes in mortgage products. Changes in mortgage fees. Reduced numbe...

What can you do when your mortgage valuation comes back as "nil"? Stuart and Simon are talking about that exact situation and how Stuart is handling it. Plus more updates from Stuart's property business, including missing stairs and a fireman's pole! The chat this week includes: Valuations. Mortgage application. Simon's purchase. Nil valuation saga. Lenders just don't want to lend? Cash buying for...

Simon and Stuart are talking about their experiences and evidence of the (rapidly) changing property market. The discussion this week includes: Die Hard . Nothing to talk about! The great mortgage disappearance . Changes to buying decisions. Changes to our buying outlook. What is Return on Investment (ROI) . Mortgage interest set to triple. Stats from the property market: Example property market p...

Stuart and Simon are chatting about the rapidly changing world of property regulation, and other circumstances, before their next investment purchases. The chat this week includes: Approaching the changing property investment world. EPC considerations and opportunities. Thinking about the future of parking needs (EV charging). Choosing property because you like it. Roof directions! Waiting for (EP...

Simon and Stuart are talking mortgages and current rates with our resident broker! (This podcast is not advice, available rates vary by situation, always seek professional advice.) The discussion this week includes: Special guest - Mortgage broker Simon Glastonbury . The mortgage rate landscape. Lender service levels. Online systems. Rates vs service. Tracker vs fixed mortgage rates. Live(!) track...

Stuart and Simon are chatting about cash flow issues - where they've come from and what might happen next. Please note - this episode was recorded before the government announced the utility price cap! The chat this week includes: Cash flow! Utility costs... ...and student lets. ...and splitting costs between tenants. ...individual room metering. (Re)mortgage issues and SVR. Simon Glastonbury mort...