The Property Podcast

Mortgages keep getting dearer while the base rate stands still, house prices have stalled, and politicians are making promises again... Rob & Rob explain why markets expect interest rates to go up over the next few years, even though the Bank of England might not want them to, and how that’s feeding through to the deals lenders offer. They also get into the new admin heading landlords' way, two ve...

Should landlords sign up to a no-deposit scheme? And what's the fairest way to put the rent up when it's fallen well behind? Your questions answered on this week's episode of Ask Rob & Rob. (00:36) Tim's letting agent has sent him a leaflet promoting Reposit, a deposit alternative scheme. Should he consider using one? Rob D looks at who these schemes serve, and the question he'd ask before letting...

One of the most respected investors on the planet has just stepped down at 96. Another says he's $1.2 billion in debt, and proud of it... Rob & Rob mark buy-to-let's 30th birthday with three decades of Hamptons data, pick out the Buffett lessons that carry straight over to property, and ask whether Robert Kiyosaki's approach to leverage is one worth copying. (01:01) What £1 put into buy-to-let in...

How do you use AI to get ahead in property? And when you buy a new home, is it worth letting out the old one? It's Tuesday, which means Ask Rob & Rob is back answering your questions. (00:51) Harley has a rent-to-rent unit under his belt and a job with an HMO developer in Leeds. With AI only getting bigger, how can he make the most of it throughout his career? Rob B explains the extra step most pe...

Everyone has an opinion on whether being a landlord still pays off. Very few have the data to back it up... Richard Donnell, Zoopla's Executive Director - Research, is back on the show. Rob & Rob put the big question to him straight away, and his answer comes with a condition every landlord should hear. From there, he tests the headlines investors have been worrying about against the evidence. (02...

Should you buy with cash or take out a mortgage when you're starting out? And what happens when the tenant you're evicting gets a job at your company? Rob & Rob answer two tricky listener questions on this week's show. (00:48) Alice has £600,000 saved and wants to get into property, but she's torn between flipping doer-uppers with cash and building a rental portfolio with a mortgage. Which way sho...

The Renters' Rights Act has been live for five months. The changes it's caused aren't the ones anyone was arguing about beforehand... Rob & Rob get into the bidding ban that backfired, the financially secure tenants now struggling to rent at all, and the new fees letting agents are testing on landlords. Then they work out what £100,000 in savings is really earning once tax and inflation have taken...

Should you add the mortgage fee to your loan, or pay it upfront? And if your tenant's running a business from your rental, what does that mean for your insurance and mortgage? Rob & Rob tackle both questions on Tuesday’s Ask Rob & Rob. (00:41) Esther is buying her first property through Property Hub and weighing mortgage deals with and without an arrangement fee. Should she pay the fee upfront or...

Whatever the national rent headline says this month, there's a good chance it isn't describing everything... Rob & Rob are joined by Richard Donnell, Executive Director of Research at Zoopla, who tracks what 9 million monthly users do on the site and how landlords and agents set rents in real time. He takes them through what's driving the gap between one town and the next, and why the case for own...

What would you do differently if you were buying your first buy-to-let today? And can you get a mortgage on a property you're planning to rent to a family member? Your questions answered on this week's episode of Ask Rob & Rob. (00:48) Anya is renovating her own home and plans to put the equity into her first buy-to-let, but she's hesitant about taking the plunge. How do you buy with confidence wh...

Bond markets are under pressure across the UK, the US and much of the world. That sounds like a problem for economists, but it has a direct impact on your mortgage... Rob & Rob explain what's pushing government borrowing costs up, and why that's already showing up in swap rates and lender pricing. With the October Budget on the horizon, fresh data on prices and rents, as well as a striking number...

What do you do when a holiday let won't sell and keeps bleeding money every month? And when a new landlord inherits a rent set well below market value, how much of that gap can be closed, and how fast? Rob & Rob tackle both questions on this Tuesday's Ask Rob & Rob. (00:50) Stephanie's last remaining holiday let is losing money every month as mortgage rates bite, and it's been on the market for ov...

Warren Buffett has never invested in property in his life. That doesn't mean his rulebook can't tell you if it’s worth investing right now... Rob & Rob borrow the value investor's toolkit, the same one that made Buffett one of the richest people alive, and run UK property through it from first principles. They build a fair value model using bond yields, price-to-income ratios and the cost of build...

Do period properties really outperform new builds when it comes to growth? And if an investment comes with a guaranteed return of up to 10%, what’s the catch? It’s Tuesday, which means Ask Rob & Rob is back answering your questions. (00:45) Gina is starting out in London and has noticed new builds looking tired a few years after completion. Period or modern, properties, are there any rules of thum...

Rob & Rob get asked how they fit it all in more than almost anything else. This week they answer it properly... Pulling back the curtain on how they run their days, from the AI systems tracking what they've promised to the small rules that keep them consistent, this episode should help you optimise your day. (00:58) News story of the week (02:26) Why the small, repeatable stuff is what makes the b...

What do you do when you've got enough to stop working, but spending it means you can never buy again? And, even once you've built something worth passing on, how do you stop it being sold off the moment you're gone? Rob & Rob answer two tricky listener questions on this week's show. (00:41) Liam has an HMO, a couple of single lets and a construction company. He could replace his income tomorrow by...

August is always a strange month for property. This one is stranger than usual... There’s been good and bad news in equal measure, and often it looks like the headlines are pointing in opposite directions. In our latest market update, Rob & Rob go through every number that moved: prices, rents, lending and what landlords are doing with their money. Sentiment is grim, the returns on offer are the s...

Could a doubling ground rent clause be a hidden opportunity, or a deal-breaker you can’t afford to ignore? And what happens when your tenant gives notice but then refuses to leave? Your questions answered on today’s Ask Rob & Rob. (00:45) Charlie’s got properties with ground rent clauses that double every 25 years. Will lenders play ball? Rob B explains why leverage is everything here, and why the...

Here’s episode 700 of The Property Podcast, and Rob & Rob are marking the milestone by distilling everything they’ve learned across every single episode into 7 non-negotiable laws of property investment. Miss even one, and your portfolio will suffer. Follow all 7, and the odds are stacked heavily in your favour. (01:15) News story of the week (04:47) Law 1: Why property without leverage isn’t wort...

Should you buy a property when the tenant already has rent arrears? And is there a smarter place to park your cash than a business bank account? Your questions answered on today’s Ask Rob & Rob. (00:44) James has found a property that ticks every box. The only exception is the tenant has rent arrears. Should he still go ahead with the investment? Rob B shares how to assess whether the discount you...

Six months ago, Rob & Rob made their property predictions for the year. So did the big-name forecasters. Now it's time to check the scoreboard. Prices are grinding upward, rents are re-accelerating, and the base rate story has taken a turn nobody had in their January script. Rob & Rob break down what they got right, what they got wrong, and what this tells us about the rest of the y...

Could tokenising property on the blockchain actually revolutionise how we buy and sell in the UK? And if you’re planning to do short-term lets, could the wrong mortgage choice put your entire investment at risk? Your questions answered on Ask Rob & Rob. (00:46) Robert’s wondering whether the tokenisation of real estate assets could soon become a reality in the UK. Could there be any opportunities...

You’ve heard hundreds of Hub Extra recommendations over the years. But which ones actually stuck? Rob & Rob have gone back through a decade of picks to find the ones they’d still recommend today. (00:53) News story of the week (02:50) The books Rob & Rob still recommend to everyone (08:01) YouTube channels worth subscribing to (10:22) The timeless TV shows that are still worth your time (11:12) Po...

Has your tenant been paying perfectly for years, only to suddenly fail their rent referencing renewal? Plus, how do you unlock the equity you need when you’ve got multiple mortgages expiring at different times? Rob & Rob answer two tricky listener questions on this episode. (00:41) Peter’s tenant has been reliable for years, but has just failed a re-referencing check, meaning the rental insurance...

Every property investor says they'd never sell up. Rob & Rob aren't every investor - and they've got a surprisingly specific list of things that would make them walk away for good. From rent controls to deflation, they lay out the exact scenarios that would make them walk away from property investing, plus the things that plenty of people worry about but don't bother them at all. (00:56) News stor...