Shows
The ESPC Property ShowPurchasing property in Scotland as an overseas buyerIn today's episode, Paul & Megan are joined by solicitor Jill Andrews to discuss the challenges and trends for foreign nationals looking to buy property in Scotland in 2025. Here's our jargon-busting guides to buying a property in Scotland:What is a Closing Date? What is a Home Report?How to read a Home Report?Appointing a solicitor in ScotlandWhat is LBTT? How to make an offer on a property in Scotland? Got a question for us? Send us a text message! 2025-05-0135 minThe ESPC Property ShowQ1 Property Market Review for Edinburgh: Stable, invigorated and first-time buyer hotspotsThis week's episode is a special one - Paul & Megan are joined by four ESPC solicitor estate agent member firms to discuss the current property market. From the properties that are in high demand to the best places for first-time buyer as well as the current climate for landlords and the issue with conveyancing - they leave no stone unturned. If you enjoyed this episode, please leave us a comment below and remember to subscribe to our channel. Skip to the part that's relevant to you:0:00-1:08 Introductions1:08-3:47 Have there been an...2025-04-1737 minThe ESPC Property ShowHow much can you charge for rent? Advice for new Edinburgh landlords in 2025In this episode of the ESPC Property Show, Paul and Megan are joined by returning guest Nicky Lloyd, Head of Lettings at ESPC Lettings. They cover some new ground in this discussion including advice for new landlords, why more and more homeowners are opting to rent their properties instead of sell and how much rent should be priced at.Got a question for us? Send us a text message! Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on marketing...2025-04-0331 minThe ESPC Property ShowWill the regeneration of Edinburgh's waterfront solve the housing crisis?On this week's episode of the podcast, Paul & Megan are chatting through the latest updated from the local property market including the rapid speed that Dunfermline homes are selling at, as well as the outlook for house prices across the rest of the year, and a deep dive into the proposed Seafield regeneration plan. Resources mentioned:ESPC House Price ReportSeafield regeneration plan"Call for Edinburgh's south suburban rail line to reopen to passengers after 60 years"Got a question for us? Send us a text message! ...2025-03-2022 minThe ESPC Property ShowMillion-pound mortgages and what the base rate drop means for youIs a 5% deposit still enough for first-time buyers to get on the ladder? How much do you need to earn to qualify for a million pound mortgage? Will the Bank of England base rate reduction affect your mortgage as a homeowner? All of these questions (and more!) are answered in this episode of the ESPC Property Show! In this episode, Paul & Megan are joined by returning guests - David Lauder & Paul Demarco, two of ESPC Mortgages Mortgage Advisors where they discuss high net worth property owners, advice for first-time buyers and the current mortgage market. 2025-03-0630 minThe ESPC Property ShowWe're back! An update on the local property marketThe ESPC Property Show is back for 2025! Can you believe we're on to our fifth season of the show?!And this new season comes with some slight changes. Episodes will now run fortnightly, and every month you'll get a deep dive on the local market with Paul & Megan. This week we discuss what's been going on in the local property market across Edinburgh, the Lothians, Fife & the Scottish Borders including:Is it getting easier for first-time buyers?Where are the local property hotspots?How to spot a good deal in the market?2025-02-2024 minThe ESPC Property ShowOur predictions for the 2025 property marketWe're back for a bonus episode! Paul breaks down what he expects to see in the property market across Edinburgh, the Lothians, Fife and the Scottish Borders in 2025. From what's going to happen to interest rates, house prices and selling times, plus much more!Skip to your favourite part:0:00-0:43 Intro0:43-3:42 The future of interest rates in 20253:42-5:30 An increase in property sales5:30-6:36 Paying a premium on properties6:36-8:15 Listings and stock on espc.com8:15-9:19 How VAT on private schools might do to the property market?2024-12-1925 minThe ESPC Property ShowWhat is happening in the Scottish Borders property market?In the season finale, Paul & Megan are joined by Jan from Hastings to discuss the local market in the Scottish Borders. They discuss how the market has changed since 2020, reasons to live south of Edinburgh and how English stamp duty changes may affect the market. Skip to the part that's relevant to you:Got a question for us? Send us a text message! Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on marketing@espc.com or via our social media channels. You can also h...2024-12-0519 minThe ESPC Property ShowWho pays inheritance tax in the UK? An update on the current regulationsOn this week's episode of the podcast, Paul & Megan chat to Andy Lewis (John Scott Davidson Ltd) explains what the current rules are around inheritance tax in the UK including when it is payable, who is liable to pay it and some tax efficient measures to take. Skip to the part most relevant to you: 0:00-1:44 Intro1:44-4:27 What is inheritance tax? 4:27-8:48 Who pays inheritance tax?8:48-11:00 Inheriting property11:00-12:40 Discussing inheritance with family12:40-13:52 If you are eligible to pay inheritance tax13:52-17:57 What changes did the 2024 UK bud...2024-11-2837 minThe ESPC Property ShowWhat's happening in the West Fife property market?In this week's episode, Megan & Paul chat to Elaine Kyle (Morgans) and Michael Maloco (Maloco Mowat Parker) about the local market in West Fife. They discuss the affordability of the area, their Fife hidden gems and what the 2025 property outlook is for the area. Skip to the bit most relevant to you:0:00-1:10 Intro1:40-4:41 Where are the key areas in Fife?4:41-6:30 How is the West Fife property market performing?6:30-9:24 Managing seller expectations9:24-11:14 Reasons to live in West Fife11:14-13:27 Hotspots with the most activity in We...2024-11-2123 minThe ESPC Property ShowHow to buy your dream home before you sell your own! A guide to bridging loansOn this week's episode Paul & Megan chat to Alistair Ewing (Managing Director at The Lending Channel) about bridging finance.What is bridging finance? It's a form of borrowing that allows property buyers to fund their purchase while they put their current home on the market. Skip to the part that's relevant to you:0:00-1:48 Intro1:48-2:45 What is a bridging loan?2:45-3:26 Why are they less common now?3:26-4:16 Are bridging loans expensive?4:16-5:06 What's the average term for a bridging loan?5:06-6:30 Interest rate and duration implications6:30...2024-11-1421 minThe ESPC Property ShowWhat's happening in the Midlothian property market?In this week's episode, Megan & Paul chat to Amy Howard from Neilsons and Lisa Connolly from McDougall McQueen about the local market in Midlothian. They discuss the booming market in Bonnyrigg, why you should invest in Gorebridge and what the 2025 property outlook is for the area. Skip to the bit most relevant to you:0:00-1:32 Intro1:32-4:50 Where is Midlothian?4:50-6:57 Midlothian's property market 6:57-9:10 Property hotspots in Midlothian9:10-11:50 Second hand new build market11:50-14:25 Best areas in Midlothian for investment14:25-18:43 Predictions for 2025 Midlothian marketG...2024-11-0718 minThe ESPC Property ShowShould you sell your home in Edinburgh?In this week's episode, Megan & Paul chat to Jamie Sole from Blair Cadell about the current property sales market in Edinburgh.Jamie gives advice to local sellers on how to prepare for a valuation, tips for conducting property viewings as well as an outlook on the best time to sell. Skip to the bit most relevant to you:0:00-0:47 Intro0:47-5:47 The dos and don'ts of selling your property 5:47-8:35 Should you sell first or buy your next home first?8:35-11:00 Sell now or hold off until January?11:00-12:40 How to...2024-10-3119 minThe ESPC Property ShowEast Lothian property market updateIn this week's episode, Megan & Paul chat to Graham White from Anderson Strathern about the local market in East Lothian. They discuss the lack of "for sale" property, what's in demand and how the market differs in East Lothian from Edinburgh. Skip to the bit most relevant to you:0:00-0:38 Intro0:38-1:45 Property market activity in East Lothian 1:45-2:31 Sub-markets across East Lothian2:31-3:22 Most in-demand East Lothian properties3:22-4:23 Prices being achieved in East Lothian4:23-5:11 Where are the most expensive homes in East Lothian?5:11-6:03 Property pri...2024-10-2417 minThe ESPC Property ShowQ3 Local property market review for Edinburgh, the Lothians, Fife and Scottish BordersIn this week's episode, Megan & Paul chat through the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders.They chat with David Marshall (Warners), Caitlin Keegan (Gillespie Macandrew) and Tracey French (ELP) about purchasing subject to sale, the increase of property chains and good news for first-time buyers. Skip to the bit most relevant to you:0:00-0:35 Intro0:35-1:00 Meet our guests1:00-3:07 What happened in Q3?3:07-3:56 How long does it take for a house sale to complete in Scotland right now?3:56-5:00...2024-10-1724 minThe ESPC Property Show"We are not building enough homes!" - Scottish Labour's Spokesperson for Housing, Mark Griffin MSPIn this week's episode, Paul and Megan are joined by Mark Griffin MSP to discuss Scotland's Housing Emergency as well as the recent Housing Bill, the proposed Heat in Buildings Bill and his thoughts on how government should help first-time buyers. Mark Griffin has been an MSP for Central Scotland (Region) since 2011. He is also currently Scottish Labour's Spokesperson for Housing and is part of several cross-party groups and sits on the committee for Local Government, Housing and Planning.If you would like to find out more about anything we have discussed, please check out...2024-10-1026 minThe ESPC Property ShowAre interest rates dropping? Update on mortgage marketIn this week's episode of the ESPC Property Show, Paul & Megan are joined by their ESPC Mortgages colleagues, Paul Demarco and Lisa Bell to discuss the current mortgage market and what home movers can expect to see in their mortgage deals. CHAPTERS:0:00-0:30 Intro0:30-2:10 Working out how much money you can borrow2:10-3:14 Calculating affordability3:14-5:07 How do children and pregnancy affect your mortgage eligibility?5:07-6:21 How to find out what your credit score is6:21-7:57 How much money do you need to buy a home?7:57-9:16 Additional costs t...2024-10-0321 minThe ESPC Property ShowHow to make your home energy efficient? Learning about EPCs with SnuggOn today's episode, Paul & Megan are joined by Michelle Robinson from Snugg to talk all about how to make your home in Scotland more energy efficient. Throughout the episode we focus on things like the Scottish Government's Heat in Buildings Bill, what retrofitting is and learn how EPC ratings affect your carbon footprint. Snugg is an easy-to-use online platform that makes researching and improving your home’s efficiency a straightforward process. Simply input your postcode into Snugg's online tool and learn about your property's EPC rating and what updates you can do to decrease your ut...2024-09-2623 minThe ESPC Property ShowWho gets the house in a divorce? Property & marriage episodeIn this week's episode of the ESPC Property Show, Paul & Megan are joined by Sally Nash & Aimee Orrock from Gilson Gray to discuss what happens during the divorce process in Scotland and how property can be divided when a couple separates.You can find out more about Gilson Gray here.CHAPTERS0:00-1:47 Intro1:47-4:03 What's the first thing to do with your property during a separation?4:03-5:20 Do reconciliations happen during separation discussions?5:20-7:13 Who gets what in a divorce in Scotland?7:13-8:21 Does going to court delay the process?2024-09-1933 minThe ESPC Property ShowWe need more one bedroom flats! An update on the Edinburgh rental marketOn this week's episode Paul & Megan are joined by returning guest Nicky Lloyd from ESPC Lettings to discuss the current rental market in Edinburgh. In the episode, they discuss what landlords biggest concerns are right now, the new rules around increasing a tenant's rent and the best postcodes for investment in Edinburgh. You can find out more about ESPC Lettings here.CHAPTERS: 0:00-1:01 Intro1:01-2:31 Current Edinburgh rental market2:31-6:15 How to appeal any rent increases in Scotland6:15-7:30 Biggest concerns for landlords right now7:30-8:23 How is "w...2024-09-1219 minThe ESPC Property ShowWe're back! Did Paul's 2024 predictions come true and what happened while we were away?Welcome back to the ESPC Property Show! After their summer break, Paul & Megan are back to talk all things property for another season. In this first episode back, they look back at Paul's predictions for the year and how many came true including whether or not buyers are getting a better bargain now, and then they chat through what they missed during the break - a new government in Westminister, the future of cladding and of course the performance of the local property market. And Paul wraps things up with a mini-prediction for the remainder of the...2024-09-0527 minThe ESPC Property ShowThe property market in St Andrew's Join Paul and Megan for the season finale of the ESPC Property Show, recorded from the luxurious Old Course Hotel in St Andrews. They are joined by Lynsey Dammer and Douglas Kinnear from Thornton's estate agents to delve into the unique charm of the St Andrews property market.Discover why this historic town, known for its university and golf, remains a top choice for home buyers and investors. From property types in high demand to the impact of student housing regulations and the booming international market, this episode offers valuable insights for anyone considering a move to S...2024-06-1319 minThe ESPC Property ShowProperty expert roundtable: Current market update (Part 1)Welcome back to the ESPC Property Show! In this episode, hosts Megan and Paul are joined by industry experts Matthew Gray, Amy Howard, and Derek Brien to provide valuable insights for home buyers in Scotland. This comprehensive discussion covers the current property market trends, factors influencing property sales, and advice for navigating the purchasing process. They delve into market performance, the impact of seasonality, and offer predictions for the next six months. Whether you're a first-time buyer or looking to understand the Scottish property market better, this episode is packed with essential information. And...2024-06-0621 minThe ESPC Property ShowProperty expert roundtable: Rent caps, housing emergency & politics (Part 2)Welcome back to the ESPC Property Show! In this episode, Paul and Megan continue their insightful roundtable discussion with experts from three ESPC solicitor estate agent member firms.Delving into the political side of the housing market, they explore the impacts of rent caps, taxation, and offer potential solutions for first-time buyers in Scotland. Our guests discuss the unintended consequences of current policies, the challenges landlords face, and the broader implications for tenants and the housing market. Whether you're a first-time buyer or a seasoned investor, this episode is packed with valuable insights and practical advice.2024-06-0622 minThe ESPC Property ShowPreventing Youth Homelessness: Insights from Rock TrustIn this episode of the ESPC Property Show, hosts Paul & Megan are joined by Kate Polson, the CEO at Rock Trust, a charity dedicated to preventing youth homelessness.They delve into the critical issues surrounding youth homelessness in Scotland, discussing the innovative programs Rock Trust offers to support young people in crisis. Kate shares insights into the challenges faced by these individuals and the multifaceted approach Rock Trust takes, including education, accommodation, and employment support. The conversation highlights success stories, the importance of community involvement, and ways listeners can contribute to making a difference. Listen t...2024-05-2924 minThe ESPC Property ShowBuying a new build homeIn this episode of the ESPC show, we dive into the world of new build homes in Scotland. Join us as we chat with Hazel Davies from Cruden Homes and Kim Newbigging from Cala Homes Scotland. They share valuable insights into the new build purchasing process, discuss the benefits of buying a new build, and answer key questions prospective buyers might have. Whether you're a first-time buyer or looking to invest in a new property, this episode provides essential information to help you navigate the market. Got a question for us? Send us a text message! 2024-05-2335 minThe ESPC Property ShowAdvice for first time buyers in ScotlandJoin Paul and Megan from ESPC as they sit down with Maurice Allen, Residential Property Managing Director at Lindsay's, for a comprehensive guide to first-time home buying in Scotland. Maurice shares invaluable insights and advice on everything from financing and solicitors to government schemes and property investments. 0:00-0:38 Intro0:38-3:36 First things to do as a first time buyer3:36-5:36 Additional costs in buying a home in Scotland5:36-7:51 What do solicitors do in Scotland?7:51-9:20 First-time buyer government schemes in Scotland9:20-11:20 Putting an offer on a property in Scotland?11:20-16:05...2024-05-1627 minThe ESPC Property ShowRetrofitting tenement flatsJoin us for part two of our episode with Mike Heffron from Under One Roof, where we delve into the world of retrofitting tenement flats in Edinburgh. Learn about the challenges, solutions, and future directions in making these traditional buildings more energy efficient and sustainable. From insulation dilemmas to district heating solutions, we cover it all in this insightful conversation. Don't miss out on valuable tips and expert advice to prepare your tenement flat for the future!Read more about the Heat in Buildings Bill here: https://espc.com/news/post/homeowners-need-more-support-from-the-scottish-government-s-heat-in-buildings-billGot a question...2024-05-0921 minThe ESPC Property ShowWhat is it like to live in North Berwick?Join Paul and Megan as they explore the vibrant property market in North Berwick with local experts Sophie from Coulters and Daniel from Paris Steele. Discover why North Berwick is voted the best place to live in the UK, its family-friendly community, and the diverse range of properties available. From golden beaches to a charming high street, find out why North Berwick is a hotspot for buyers. Plus, get insider tips on navigating the market and must-visit spots in the area!Skip to the most relevant part ⬇️0:00-0:44 Introduction0:44-2:15 Meet Sophie & Daniel2:15-3:48...2024-05-0221 minThe ESPC Property ShowWhy do we have a housing crisis in Scotland? Political analysis from Andy MaciverIn this episode of the ESPC property show, Andy Maciver, a seasoned political analyst, joins hosts Megan and Paul to dissect the intricacies of housing policy and its relationship with the evolving political landscape in Scotland. From the impact of ideological beliefs on property ownership to the imperative of addressing housing supply shortages, the conversation navigates through key issues shaping the housing sector. With insights drawn from Andy's extensive political experience, the episode offers valuable perspectives on the challenges and opportunities facing policymakers and stakeholders in the housing market.Got a question for us? Send u...2024-04-2533 minThe ESPC Property ShowWhat is it like to live in Leith, Edinburgh?In this week's episode Paul & Megan are on the move! They catch the tram down to ESPC's most popular area for property sales - Leith in Edinburgh East.There they chat to local solicitor estate agents, Tzana from Watermans and Becky from Aberdein Considine all about life in Leith from what the local community is like to how it differs from the rest of Edinburgh. Find your next Leith home on ESPC: https://bit.ly/4cZl3N2Got a question for us? Send us a text message! Enjoy the episode? We'd...2024-04-1822 minThe ESPC Property ShowEdinburgh rental market update - April 2024On this week's episode Paul & Megan are chatting to Nicky & Martyn from our ESPC Lettings team to discuss the latest updates in the Edinburgh rental market including the end of the rent cap and advice to tenants looking to move. Got a question for us? Send us a text message! Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on marketing@espc.com or via our social media channels. You can also help other people find us by sharing the episode or leaving us a review a...2024-04-1124 minThe ESPC Property ShowProperty market update for Q1 2024In this week's episode, Megan & Paul chat through the latest stats on the property market in Edinburgh, the Lothians, Fife and the Scottish Borders.They chat with Ivan Ralph (CEO, Ralph Sayer) and Sofia Renshaw (Trainee Solicitor, Davidsons) about property hotspots for buyers, landlords leaving the market and whether or not now is a good time to buy. Read our full March House Price Report here: https://bit.ly/4axxCxvGot a question for us? Send us a text message! Enjoy the episode? We'd love to hear from you! Send your...2024-04-0423 minThe ESPC Property ShowGet your finances in order before tax year end: Pensions & Lifetime ISAsThis week on the podcast, Paul & Megan are joined by financial advisor, Andy Lewis from John Scott Davidson to discuss how to get your finances in order ahead of the tax year end in April including making the most of your ISA allowance and investing in your pension, as well as some advice for how to make the most of your savings in the lead up to making a house purchase. Got a question for us? Send us a text message! Enjoy the episode? We'd love to hear from you! Send your questions and comments t...2024-03-2830 minThe ESPC Property ShowCan communities make our homes more energy efficient? with Porty Community EnergyThis week Paul & Megan are chatting to Hazel from Porty Community Energy about how we can harness the power of community to make environmental changes. In the episode, we discuss the quick fixes that individuals can make in their homes to reduce energy usage as well as the larger community projects that you can get involved with to make longer term solutions. Skip to the part most relevant to you:0:00-0:51 Introduction0:51-2:01 What is Porty Community Energy2:01-5:08 Top energy saving tips5:08-8:30 Making long term changes with your neighbours8:30-10:06...2024-03-2118 minThe ESPC Property ShowHow are properties valued? A guide to pricing your property for marketThis week Megan & Paul are joined by Head of Estate Agency at McDougall McQueen, Lisa Connolly to discuss property pricing strategies and how ESPC solicitor estate agents arrive at a valuation.Short on time? Skip to the most relevant part to you:0:00-0:47 Intro0:47-1:37 Meet Lisa1:37-5:04 How does a solicitor estate agent decide on a valuation?5:04-7:53 Current market and pricing strategies7:53-11:32 What to do if your property isn't selling?11:32-15:11 How to pick which agent to use?15:11-18:24 Price reductions18:24-22:18 Should you buy or...2024-03-1423 minThe ESPC Property ShowHow to create a homeowners association in Edinburgh tenement buildingsIn this week's episode of the podcast, we're talking about flats and the responsibility you have as the homeowner of a flat in a Scottish tenement building. Paul & Megan chat to Under One Roof's Chief Executive Mike Heffron about how to create a homeowner's association, how to manage communal space/roof repairs and how to enforce payment when some occupants won't pay up. It's an interesting look into the legislation and responsibilities affecting any homeowner who lives in a flatted property. If you'd like to find out more about Under One Roof and the work they do...2024-03-0730 minThe ESPC Property ShowDon't be afraid of mortgages! An update on the mortgage market, first-time buyer tips & remortgaging in 2024Welcome back to season 3 of the ESPC Property Show - a podcast for property enthusiasts and home hunters across Edinburgh, the Lothians, Fife and the Scottish Borders. In this episode, hosts Paul and Megan are joined by two ESPC Mortgages colleagues Paul Demarco and David Lauder to discuss and debunk the mortgage market including how much cash first-time buyers need to buy, what properties are more difficult to mortgage, why overpaying your mortgage is a good idea and the best mortgage term to pick.KEY TOPICS:0:00-0:58 Introduction0:58-1:35 Meet Paul...2024-02-2933 minThe ESPC Property ShowRelocating to Dubai - learning about the UAE marketPaul and Megan from the ESPC Property Show podcast are joined by Marie O'Neill, a relocation expert based in Dubai. Marie talks about the process of relocating to countries in the UAE, and the advantages of doing so. She explains that the economy is stable and the low taxation makes Dubai a desirable place to call home.We learn that property is also much more affordable than in other major cities, with three times the size for the same amount of money. The process of buying a property is relatively quick and stress-free, with cash buyers able...2023-12-2123 minThe ESPC Property ShowMoving home smoothly with Doree Bonner InternationalIn this week's episode, Paul & Megan speak to Claire Duff from Doree Bonner International. The episode covers everything from the benefits of using a removal service to Doree Bonner's useful declutter service. You can find out more about Doree Bonner here.Got a question for us? Send us a text message! Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on marketing@espc.com or via our social media channels. You can also help other people find us by sharing the episode...2023-12-1521 minThe ESPC Property ShowNovember House Price Report - What's happening in the property marketWe're bringing you a slightly different style of episode this week with our November House Price Report. In this episode, Megan is joined by Ashley McInulty, Head of Member Services at ESPC to discuss the latest stats from the ESPC database.The episode includes discussion on: - The average selling price - The median time to sell - The average % of Home Report valuation achieved - Number of listings on ESPC.comThe data used is from September-November 2023 compared with data from September-November 2022.Read the full report here.Go...2023-12-0709 minThe ESPC Property ShowAn update on the Edinburgh rental marketIn this week's episode, Megan is joined by returning guest, Nicky Lloyd from ESPC Lettings. They discuss the rental market in Edinburgh, including rental prices, supply and demand, and current legislation for landlords. Nicky also shares the best postcodes for investment in Edinburgh and the most popular property type in the current market.Watch the episode on YouTube: https://youtu.be/1FUOZOaEDqoFind out more about ESPC Lettings here: https://espc.com/services/lettingsLandlord advice: https://espc.com/services/lettings/landlord-adviceProperty management services: https://espc.com/services/lettings/property-management-servicesGot...2023-11-3022 minThe ESPC Property ShowInterior design with John LewisIn this episode, Megan and Paul are joined by Mhairi, a Home Design Stylist from John Lewis. Mhairi talks about her background in textile design and how she fell in love with interior design and architecture while growing up in Hong Kong. She explains that John Lewis offers a free interior design service for any room and any budget, from full house redesigns to bathroom styling and rentals to holiday lets.Mhairi explains that John Lewis can help people with quick fixes, such as adding cushions to a sofa, or with more complex projects, such...2023-11-2330 minThe ESPC Property ShowRetrofitting & making your home energy efficient with EcoCosi from ChangeworksIn this episode of the ESPC Property Show, Paul and Megan are joined by Ewan and Sam from Changeworks, a Scottish environmental charity that delivers solutions for low carbon living. Changeworks has over 35 years’ experience in delivering high impact solutions for low-carbon living. They work collaboratively with partners, organisations and householders to drive transformation in energy efficiency and to tackle fuel poverty. They discuss retrofitting and making homes more energy efficient, including tips, ground source heat pumps, air source heat pumps, and their new home retrofitting service - EcoCosi. They also discuss the importance of looking at wh...2023-11-1644 minThe ESPC Property ShowThe housing shortage with Homes for ScotlandIn this week's episode, Paul & Megan speak to Jennifer Kennedy from Homes for Scotland about the lack of suitable homes in Scotland.Jennifer explains what barriers are prohibiting new homes being built, why we are so behind in the development of new build homes and just how bad the housing problem in the UK is.You can find out more about Homes for Scotland and the work they do here. Got a question for us? Send us a text message! Enjoy the episode? We'd love to hear from you! Send your q...2023-11-0923 minThe ESPC Property ShowFirst-Time Buyer's Guide to Purchasing Property in ScotlandIn this episode, Paul & Megan are joined by Amy Howard (Neilsons) and Caitlin Keegan (Gillespie Macandrew) to get the best advice for first-time buyers. Amy & Caitlin share invaluable insights and advice for first-time buyers in the Scottish property market. They discuss the crucial steps to take, including appointing a solicitor, finding a mortgage broker, and understanding affordability. They also dive into questions to ask during property viewings and the process following an accepted offer, emphasizing the importance of clear communication and early preparation. Discover the current opportunities for first-time buyers in Scotland and gain a de...2023-11-0229 minThe ESPC Property ShowQ&A with Paul & Megan on the property market, where to buy and what's in the ONS basket of goods?Paul and Megan discuss various topics related to buying property, answering questions from their listeners. They emphasize the importance of seeking professional advice from a solicitor-estate agent, especially for first-time buyers. The conversation also delves into the "basket of goods" used to measure inflation, highlighting the addition of items like tortilla wraps, video doorbells, and frozen berries due to changing consumer trends.They recommend speaking to mortgage brokers for comprehensive market analysis when buying a home and encourage prospective buyers to explore up-and-coming areas. Leith, in particular, stands out as a thriving location in Edinburgh, attributed to...2023-10-2626 minThe ESPC Property ShowEconomics RevisitedIn this podcast episode, Paul and Megan are joined by Debbie Hair (Investment Manager, Evelyn Partners). They delve into various economic and financial topics, starting with inflation and its implications, touching on both short-term and long-term trends, emphasising the importance of considering environmental, social, and governance factors when evaluating companies for investment, particularly in the context of climate change.The discussion also covers quantitative easing (QE) and the role of central banks, such as the Bank of England, in managing monetary policy. Debbie explains that while the need for QE may decrease with economic growth, it could...2023-10-1631 minThe ESPC Property ShowExploring the Scottish Borders & the local property marketIn this week's episode, Megan & Paul head to the Scottish Borders to find out more about the local property market. Our podcast guests for this episode are Suzanne Grey from Hastings Legal and Struan Ferguson from Blackwood Smith. Suzanne discusses the Kelso property market, while Struan chats us through the current property landscape in Peebles.Explore the enchanting world of Scottish Borders properties with our podcast. Discover Kelso and Peebles, two charming towns with rich histories and stunning landscapes. From Scottish Borders property sales to expert insights, we've got you covered. Stay informed with key...2023-10-1226 minThe ESPC Property ShowProperty market update for Q3 2023In this week's episode, Megan & Paul chat through the latest stats on the property market in Edinburgh, the Lothians, Fife and the Scottish Borders.Initially, they chat through the ESPC data for the last three months before having a wider discussion with Maurice Allan (Managing Director of Estate Agency at Lindsays) and Lyndsey Beckwith (Head of Estate Agency at Ralph Sayer). The chat covers property hotspots for buyers, landlords leaving the market and whether or not now is a good time to buy. Read our full September House Price Report here: https://bit.ly/3ZGWP3z...2023-10-0540 minThe ESPC Property ShowBuying unmarried, getting divorced and pre-nupsThis week, Megan & Paul chat about how marital status can affect property ownership. The episode includes a discussion with legal experts, Dianne Millen and Kimberley Mackay from ESPC solicitor estate agency Watermans. In the chat, we talk about buying a home as an unmarried couple, divorce and property as well as the importance of getting a will. You can watch the full episode on our YouTube channel here.Got a question for us? Send us a text message! Enjoy the episode? We'd love to hear from you! Send your qu...2023-09-2843 minThe ESPC Property ShowExploring Dumfries: Upgrading the town centre and rural lifeThis week, Megan & Paul are back on the road and have gone South West to Dumfries & Galloway. The episode is an extra long one as we make the most of their time in the area. Our guests today are Scott Mackay from the Midsteeple Quarter project, Finlay Carson MSP and local solicitor estate agent, Paul Cavers from Cavers & Co. We kick off the episode with a chat on 20-minute neighbourhoods and the Midsteeple Quarter's quest to breathe life into Dumfries town centre with their exciting initiative, then we popped up to Gatehouse on Fleet to i...2023-09-2149 minThe ESPC Property ShowGarden design & the 2023 trendsOn this week's episode, Paul & Megan chat to garden design expert, Lisa Lempsink.Where should you start when it comes to your garden? What is a living wall? And is astroturf all that it's cracked up to be? These are just some of the questions that are answered in this week's episode of The ESPC Property Show! Our guest this week is Edinburgh-based Garden Designer, Lisa Lempsink from Lempsink Garden Design. Lisa has been in business since 2008 after she retrained from a career in pharmaceuticals to garden design. We chat to Lisa all about thi...2023-09-1435 minThe ESPC Property ShowMortgage market update with ESPC MortgagesOn this week's episode of the podcast, Paul & Megan speak to David Lauder and Paul Demarco from ESPC Mortgages about the current mortgages market. In this episode they cover:00:00 Introduction to today's episode01:53 What is the current mortgage market like?05:14 How far ahead should your renew your fixed rate?06:25 Why should you use a mortgage advisor?10:24 Advice for first-time buyers and 100% mortgages17:09 Advice for those with poor credit scores19:41 Advice for people struggling to pay their mortgage21:56 Forecast for months aheadGet in touch with an ESPC...2023-09-0729 minThe ESPC Property ShowExploring Dunfermline's Property Market & Local HotspotsOn this week's episode of The ESPC Property Show, Paul & Megan hit the road and head over the Queensferry Crossing to explore Dunfermline. With it's recent upgrade to city status, Dunfermline was top on our list of places to share with our listeners. Dunfermline often appears as a hotspot in ESPC House Price Reports, as it is home to affordable property prices and a manageable commute to Edinburgh city. This episode includes two interesting discussions with some Dunfermline residents. Paul chats to Michael Maloco (Maloco, Mowat + Parker) and Elaine Kyle (Morgans) about what it's like...2023-08-3135 minThe ESPC Property ShowWelcome back & what's been happening in the property market?Paul & Megan are back for season two of the ESPC Property Show. To ease you into the season, they are recording solo to update you on all the property market news you may have missed during the podcast's summer hiatus.After 14 consecutive interest rate rises from the Bank of England, Paul gives an update on how this is affecting the market and how the property market is performing in and around Edinburgh including average selling prices and median time to sell. Paul also discusses the differences between the 2008 market and today's property landscape, as well as the p...2023-08-2417 minThe ESPC Property ShowBONUS: ESPC Live Mid-year Property Market UpdateWho doesn't love a little surprise?! While we take a wee hiatus between seasons 1 & 2, we thought we'd deliver a bonus podcast episode. This episode is the audio recording from our livestream event ESPC Live. You can watch the full thing back on YouTube here, or you can listen to the audio recording right here on the podcast feed. The event included a property market update covering ESPC's data from January - June 2023, and also featured industry insights from our property expert panel who also answered some live questions. If you've got any questions or...2023-07-0551 minThe ESPC Property ShowSeason finale: Hidden gems and our favourite momentsWe've made it to the end of season 1 of the ESPC Property Show! In this episode, Megan and Paul chat through what they've enjoyed the most from our first 20 episodes before speaking with Dominik Smerk about his new book on "Edinburgh's Hidden Gems".We're really looking forward to bringing you something a bit different for season 2! If you have any suggestions for any topics you'd like us to cover, please get in touch with us on marketing@espc.comGot a question for us? Send us a text message! Enjoy...2023-06-0127 minThe ESPC Property ShowThe Basics of Feng ShuiWhat is feng shui? Well, you're about to find out!Today Paul & Megan are joined by Denise Langan to chat through all the basics of feng shui from kua numbers, bringing more prosperity to your life through your furniture placements and the feng shui of Edinburgh itself.Got a question for us? Send us a text message! Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on marketing@espc.com or via our social media channels. You can also help other people...2023-05-2537 minThe ESPC Property ShowSelling 101: A guide for first-time sellersAre you thinking of selling your home? Whether it's your first time or the first time in a long time, this is the episode for you!In this week's episode, Paul & Megan are joined by Jamie Sole (Blair Cadell) and Paul Clancy (Clancy's) to talk you through the process of selling a home in Scotland. We chat through what happens at a valuation, how to select a solicitor estate agent to work with and tips for conducting property viewings. Got a question for us? Send us a text message! Enjoy the episode? We'd l...2023-05-1835 minThe ESPC Property ShowHow to buy property in SpainIs it time to emigrate South? We're joined by Neil Spinney, a Property Finder who operates across Spain to talk all about moving abroad. Neil speaks us through exactly how to approach a move to Spain, his tips for budgeting, how the legalities work and also what a Spanish lifestyle can offer us!It's a fascinating episode and is likely to make you want to pack up your bags for some time in the sun! If you're interested in finding out more about Neil's services, you can contact his colleague Margaret on margaret@wallacequinn.co...2023-05-1128 minThe ESPC Property ShowHow to add value to your homeThe question every homeowner wants an answer to!How do you add value to your home? We spoke to Scott Grieve from Mov8 Real Estate to discuss just that! We also speak through what happens at a valuation and how properties are valued by ESPC solicitor estate agents. If you're thinking about selling your home, you can find an ESPC solicitor estate agent for a pre-sale valuation here. Got a question for us? Send us a text message! Enjoy the episode? We'd love to hear from you! Send your questions and c...2023-05-0429 minThe ESPC Property ShowEverything you wanted to know about the economy (but were too afraid to ask!)The economy has been a huge talking point over the last few years, but how does an economy work? And how does it affect the property market?On today's episode, we're joined by Debbie Hair, Director of Investment Management at Evelyn Partners. Debbie chats us through the basics of economics, the financial crash of 2008 and her outlook for the rest of 2023. Got a question for us? Send us a text message! Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on marketing@espc.com or v...2023-04-2737 minThe ESPC Property ShowBuying to let to studentsThinking about purchasing a Buy-to-Let for the student market? We've got all of your questions answered in this episode of The ESPC Property Show!Join Paul & Megan as they chat to ESPC Lettings experts Nicky Lloyd and Martyn Johnstone about what is required to rent to students, where are the best locations and what are their top tips for breaking into the market. Got a question for us? Send us a text message! Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on m...2023-04-1734 minThe ESPC Property ShowHow to buy a home in ScotlandWhether you're a first time buyer or someone who hasn't bought a property in a very long time, this is the episode for you! Paul and Megan are joined by two of our solicitor estate agent member firms to talk you through exactly how to buy a home in Scotland in 2023. Our guests are David Marshall from Warners and Hannah Gaddie from Gillespie Macandrew. Some of the topics covered include how to pick your solicitor estate agent, what to ask at a property viewing and what happens at a closing date. Got a que...2023-04-1340 minThe ESPC Property ShowQ1 2023 Property Market ReviewHow has the property market fared so far in 2023? Have our predictions from January materialised? In this episode, we chat to Louisa Raistrick from Coulters and Murray Souter from ESPC Mortgages and catch up on this year's activity. Is a house price crash coming? (Spoiler alert: we don't think so!)Got a question for us? Send us a text message! Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on marketing@espc.com or via our social media channels. You can also h...2023-04-0646 minThe ESPC Property ShowTown Centre LivingThis week Paul & Megan are joined by Mhairi from Scottish Futures Trust to discuss "Town Centre Living".The concept looks at the development of housing that brings more people to live within our town centres and how that can have a major role in creating strong and sustainable places, as well as active travel, affordable and independent living, walkable neighbourhoods, the wellbeing economy, net zero, and the re-use of existing built assets. Also known as "20-minutes towns", Mhairi and her colleagues at the Scottish Futures Trust promote the benefits of creating communities that have facilities...2023-03-3036 minThe ESPC Property ShowStaging your home for sellingIn this week's episode, Paul & Megan chat to Michelle Milnes from Property Studios. Michelle specialises in creating marketing materials for properties when they go to market. During our chat we discuss the progress made in property marketing over the last decade, the impact of COVID-19 on property marketing, how video can be used to market homes and what lies ahead for the future of property marketing. We really loved speaking with Michelle and hope you enjoy listening!You can follow Michelle and her work on Instagram at @propertystudios Got a question for...2023-03-2340 minThe ESPC Property ShowOut of City LivingOn this week's episode Paul & Megan are joined by Ron Hastings (Hastings Legal) and Anna Morton (Thorntons) to discuss buying, selling and living out with a big city.Ron brings his expertise of the Scottish Borders property market, while Anna talks us through what's happening in her jurisdiction of East Fife. We discuss the current market and of course, the impact of Covid, as well as reasons to move out of the Edinburgh bubble and some great general property advice too. Got a question for us? Send us a text message! En...2023-03-1637 minThe ESPC Property ShowTax implications for landlordsThis week Megan & Paul are joined by tax specialist, Alison Pryde from Anderson Strathern. After the recent increase of the Additional Dwelling Supplement tax in Scotland from 4-6% in December, we decided it would be good to chat through the effects of this on landlords. We also discuss Land and Building Transaction Tax, Capital Gains Tax and whether or not to set up as a limited company before becoming a landlords. It's a great listen and full of useful information for those thinking about investing in a buy-to-let. If you'd like to get i...2023-03-0929 minThe ESPC Property ShowFirst-time Buyer SpecialLooking for your first home? This is the episode for you!Megan and Paul are joined by Tzana Webster (Watermans) and Jordan Mackay (Aberdein Considine) from two of our ESPC Chartered firms to give their advice for first-time buyers. We answer some key concerns like where to buy, when to get in touch with a solicitor, when to make an offer and how much deposit you need. To sign up for our First-time Buyer Event click here.Got a question for us? Send us a text message! Enjoy the episode? We'd...2023-03-0237 min
The ESPC Property ShowEnergy efficiency in traditional Edinburgh homesPeriod homes in Edinburgh are famously inefficient when it comes to energy use, but how can you make your traditional home more environmentally friendly? Well, we have some answers for you! Paul & Megan are joined by Jo Parry-Geddes from Mill Architects and Moses Jenkins from Historic Environment Scotland to chat through the issues that aging properties pose, as well as some solutions!Topics covered include EPC ratings, retrofitting, quick fixes, stair association groups and general maintenance of older homes. Here are the links to some of the supporting materials referenced in the episode:2023-02-2339 min