Shows
The Mashroom ShowThe Mashroom Show #28 | Do You Know How to Protect Your Estate?Do you have any idea what estate planning is? If you don't, you'll need to join this latest episode of The Mashroom Show to learn more because it's never too early to start planning!
We're joined by Jeff Smith, who will be taking you through everything you need to know to secure your business and investments against Inheritance Tax and keep everything up-to-date.
* When should landlords start to plan for the future?
* What happens if you don't have a plan in place?
* How might Inheritance Tax...2023-11-0435 minThe Mashroom ShowThe Mashroom Show #27 | Will Interest Rates Fall?: How will Mortgages be Affected?We've seen 14 consecutive increases in the Bank of England base rate, until it held steady at 5.25%, but what will happen next?! Some landlords are looking to lock in deals now before further potential increases, while others are holding back, waiting for a fall.
We're joined by Philip Leivesley, who has over 15 years of experience in the mortgage industry and shares predictions from various experts about what we can expect from interest rates and the impact on mortgages and remortgages over the next couple of years. Curious about what the pros are saying? Join us...2023-10-2129 minThe Mashroom ShowThe Mashroom Show #26 | How to Survive the Financial UpheavalThe rental industry is in what feels like a constant state of flux at the moment, from ever-changing mortgage rates to the rising risk of rent arrears. So we've gathered the very best tips from our experts to deep dive into:
* Whether a limited company is the most tax efficient structure for you
* How to avoid rent arrears
* What to do if you do fall into rent arrears
* The most common insurance mistakes that will cost you thousands
* ... and more!
We're...2023-10-0727 minThe Mashroom ShowThe Mashroom Show #25 | What Rates Will Impact Buy-to-Lets Hardest?We're hearing pretty regularly these days about the rising cost of mortgage repayments, as the Bank of England's base rate spirals ever higher. But what are the other elements that impact your buy-to-let mortgage and remortgage?
Join us to learn more about:
* The real impact of the base rate
* Swap rates
* Futures
* How to handle the current economic crisis
* ... and more!
We're joined by Susan Whitley-Park, Head of Mashroom Mortgages, to walk you through everything you need to know...2023-09-2335 minThe Mashroom ShowThe Mashroom Show #24 | Landlords, Will Your Later Life Cost You Everything?We’ve talked before on the show about the impact that Inheritance Tax can have on your legacy, but many landlords have invested in property in order to secure their retirement, by boosting their pension with rental income or a large lump sum if they choose to sell up instead. But how straightforward is this? Do you need to start getting your ducks in a row now?
Join us to learn more about:
* The current mortgage landscape
* How to release equity from your property
* What are the pros an...2023-09-0829 minThe Mashroom ShowThe Mashroom Show #23 | Landlords, Is Your Leasehold Property at Risk?Do you own a leasehold property? Many landlords do, but are you aware of the risks involved?
There are several things you need to consider when taking on a leasehold property:
How long is the lease?
How will it affect your ability to remortgage or sell in the future?
How much will lease extensions cost you?
How will it affect your insurances and ability to manage the common areas?
Can you take over the lease?
We're joined by Property Litigation Solicitor Adrian McClinton to talk through these risks so you know exactly...2023-08-2630 minThe Mashroom ShowThe Mashroom Show #22 | 5 Reasons Your Properties May Be UnprotectedThis week we’ll be talking about everyone’s worst nightmare - your insurance not paying out when you need it to.
There are 5 big reasons why your Buildings Insurance could fail to pay out - and we are likely all guilty of the fourth error… As a landlord, your liability is even greater because this is your business and you could lose everything if your insurance isn’t right, so we've got an expert to break down the mistakes you are probably making right now - and how to fix them.
...2023-08-1219 minThe Mashroom ShowThe Mashroom Show #21 | Landlords, Has Your Agent Got Your Back?What do you really get for your money when you work with agents and who is ultimately responsible when it comes to fines and legislation failure?
Did you know that as the landlord, even if you’re paying an agent 8-12% of your monthly rental income to an agent, you are still liable for ensuring all the correct legislation is in place, protecting the deposit and ensuring that the tenant has all the correct paperwork. If your agent fails to do so - the fine will be landing on YOUR doorstep.
...2023-08-0818 minThe Mashroom ShowThe Mashroom Show #20 | The Rising Risk of Rent Arrears with Paul ShamplinaLandlords, your risk is on the up! Higher rents might sound like great news, until you consider that there are also higher mortgage rates (we've just seen a rise to 5%!), higher bills, a higher cost-of-living... so can your tenants really afford those higher rents on top of everything else?
Suddenly, those higher rents don’t feel so guaranteed. So how do you handle rent arrears?
Paul Shamplina joins us to talk about:
* How to minimise your risk of rent arrears
* How to ha...2023-07-1524 minThe Mashroom ShowThe Mashroom Show #19 | Section 21: What Does the Loss Mean for Landlords?Section 21 IS going. But what does that mean for landlords? Are you going to lose all power to repossess your property? And the big question - will Section 8 really be enough to replace Section 21?
Paul Shamplina joins us to talk about:
* What the loss of Section 21 means in practical terms
* Whether you need to worry or act now before it's gone
* What we can expect post-the loss of Section 21
* Whether this is truly all bad news for landlords
...2023-07-0127 minThe Mashroom ShowThe Mashroom Show #18 | Death and Taxes: Protect Your Family. Protect Your Investments.It might not be something that you want to think about, but ensuring that your family and all you have worked for are supported after you're gone is something that you want to sort out sooner rather than later. Without the right cover, all you have built to support your family in the future could not only be lost, but could do significant harm to them financially.
Monica Bradley of the award-winning MB Associates joins us to talk about:
* The importance of life insurance to landlords in particular
2023-06-1739 minThe Mashroom ShowThe Mashroom Show #17 | Landlords, Win Your Tenancy DisputeTenancy disputes tend to find in the tenant's favour, often leaving landlords out of pocket. So what can you do to ensure that a dispute goes your way? What are the best ways to resolve a dispute before it goes to an independent adjudicator?
Lisa Williamson, Senior Partner at Independent Adjudication Services joins us to talk about:
* How to resolve issues before they go too far
* What are the easiest steps a landlord can take to protect themselves against potential disputes
* How a professional inventory...2023-06-0336 minThe Mashroom ShowThe Mashroom Show #16 | Rent to Rent: Are You Putting Your Asset at Risk?Rent to rent sounds like a dream for landlords who have other things on their plate - your property is taken over by a managing agent or company, they guarantee the rent to you, but they sort out finding the tenants and managing the property.
But is it really as great for you as it sounds? What’s the catch?
Our guest Adrian McClinton is a Property Litigation solicitor and Head of Dispute Resolution, he'll be breaking down the risks involved and other ways you can guarantee your rent an...2023-05-2032 minThe Mashroom ShowThe Mashroom Show #15 | Could You Face Investigation by HMRC?We’re talking TAX on The Mashroom Show!
Have you made an error on your tax return that has you sweating over the potential consequences? The average HMRC enquiry lasts 19 months and professional fees to defend an enquiry often exceed £5,000. So could you survive an investigation by HMRC?
Tax enquiries are on the rise, so if you find yourself under investigation, what does this mean for you, your business and your finances? Could you lose everything you’ve worked so hard for?
Our guest Richar...2023-05-0628 minThe Mashroom ShowThe Mashroom Show #14 | How to Reduce Your Inheritance Tax RiskWe’re talking TAX on The Mashroom Show!
Have you considered Inheritance Tax? Given that the standard Inheritance Tax rate is 40%, you should. Could your family afford it? Or will your best laid plans for your family be shattered when the tax man comes knocking?
If your portfolio is designed to support your family or leave them something after you’ve gone, inheritance tax is something you need to consider NOW.
Our guest Richard Cunningham is a Chartered Accountant and Chartered Tax Adviser, who'll be s...2023-04-2233 minThe Mashroom ShowThe Mashroom Show #13 | Should You Put Your Properties in a Limited Company?Let’s talk tax!
Could incorporating your properties into a limited company be the best thing for you as a landlord? It can be very tricky to do if you already have an existing portfolio and your mortgages could also make it even trickier.
So how do you know if this is the right thing for you to do and if it will actually save you money?
Our guest Richard Cunningham is a Chartered Accountant and Chartered Tax Adviser, who'll be breaking down the risks involved in incorporating, so you can make the ri...2023-04-2140 minThe Mashroom ShowThe Mashroom Show #12 | Holiday Lets: Risk or Reward?Increased reform, higher mortgage rates and high taxes levied by Section 24 have some landlords talking about pivoting into the holiday let market instead. This means they no longer need to consider residential compliance or rental reform, And research found a 1000% increase in short-term lets nationally between 2015-21.
But is this the right decision or are you potentially putting your investments at risk?
Our guest, Property Litigation Solicitor, Adrian McClinton willl be looking at:
* What do you need to consider before you change?
* What do you l...2023-03-2535 minThe Mashroom ShowThe Mashroom Show #11 | Mortgage Turmoil: Is now the time to invest?There is an ever increasing squeeze on landlords, with many choosing to abandon the sector altogether and part of that squeeze is due to increasing interest rates hitting mortgages.
The mortgage industry has been in a state of flux for some time, due to those ever-changing interest rates, but what does this actually mean for people with mortgages, people looking to get a new mortgage and what does it mean for landlords and their buy-to-let portfolios?
Our guest Stephen Smith is a financial consultant with 40 years experience in the mortgage industry and he'll be looking a...2023-03-1134 minThe Mashroom ShowThe Mashroom Show #10 | How Landlords Can Avoid Court When Repossessing Their PropertyRepossession is the last straw for many landlords, what landlords really want is a long-term reliable tenant. Unfortunately, there are times when a landlord needs to repossess their property, for a variety of reasons, and this is a step that many landlords dread. We've covered repossession before, but how can you ease that process and avoid having to go to court?
Our guest Carly Jermyn is a landlord as well as a specialist in landlord tenant law at Woodstock Legal Services and she'll be looking at:
* Reasons for repossession
* Court delays
...2023-02-2526 minThe Mashroom ShowThe Mashroom Show #9 | Protect Yourself from Common Claims Against LandlordsThere are many hoops that landlords have to jump through to ensure they are compliant and renting their property legally. This covers everything from Right to Rent checks to ensuring that your Gas Safety Certificate is up to date. However, with so much to remember and with so many landlords renting property on top of a full-time day job, it’s easy to overlook things and make little mistakes that could cost you dearly.
So we're joined once again by Carly Jermyn, CEO and founder of Woodstock Legal Services, specialist in resident and landlord tenant law AND a...2023-02-1127 minThe Mashroom ShowThe Mashroom Show #8 | How to Prepare for Rental ReformThe Secretary of State for Levelling Up, Housing and Communities, Michael Gove, has said 2023 is the year when the new rental reforms will come in, after long delays due to Covid. First pledged in April 2019, these reforms have been a long time coming.
We're joined by solicitor and landlord Carly Jermyn, who will be breaking down:
* What are the new reforms?
* When will they be coming in?
* What changes should landlords prepare for?
* Should landlords be worried about these changes?
Find out everything you need to know...2023-01-2826 minThe Mashroom ShowThe Mashroom Show #7 | The Best Ways to Save in 2023We've gathered the very best bits from our 2022 webinars to help your 2023 get off to the very best start. We've got the very best:
• EPC upgrade tips from energy & efficiency expert and full-time landlord James Tanner
• Repossession insight from property litigation solicitor Adrian McClinton
• Advice on surviving the current economic turmoil from mortgage & housing consultant Stephen Smith
• Top tax tips from chartered accountant and chartered tax advisor Richard CunninghamSo if you missed any of our last few webinars, or you're just looking for a quick refresher, join us to make this your most successful year yet!2023-01-1828 minThe Mashroom ShowThe Mashroom Show #6 | Landlord Tax: Planning Opportunities to Help You SaveIn the last of our tax series, Chartered Accountant and Chartered Tax Advisor Richard Cunningham is back with Rob Smith to talk about planning opportunities. With good planning, you can save a lot on your tax bill, so it's really worth educating yourself on it.
Join us to make the best plans for the year ahead!2023-01-1035 minThe Mashroom ShowThe Mashroom Show #5 | Landlord Tax: Which Holding Structure is Best for You?In the second of our tax mini-series, Richard Cunningham is back at the mic with Rob Smith. Richard is a Chartered Accountant and Chartered Tax Advisor and in this episode, he breaks down the type of holding structures available to you. Should you hold your properties in a trust, a limited company or in a partnership?
Lear more about what is available, so you can make the right decision for you. 2023-01-0637 minThe Mashroom ShowThe Mashroom Show #4 | Landlord Tax: What to Claim on Your Allowable ExpensesIn the first of our mini tax series, Rob Smith is joined by Richard Cunningham, Chartered Accountant and Chartered Tax Advisor, to talk about allowable expenses.
In order not to over - or under! - pay on your tax return, you need to have a good grasp of allowable expenses, so you know what you can and can't claim back on your tax. It's definitely worth a listen before you submit your tax return in January!2023-01-0331 minThe Mashroom ShowThe Mashroom Show #3 | Landlord Survival: How Can You Make it Through the Economic Turmoil?In this episode Rob Smith is joined by Stephen Smith (no relation!), a mortgage and housing consultant with over 40 years experience in the industry.
83% of all borrowers are currently on some form of a fixed-rate deal; 1.8 million of those deals are due to end in 2023. So what does this mean for property owners? Join Rob and Stephen to learn more about the current state of the market and what we can possibly expect in 2023. 2022-12-3039 minThe Mashroom ShowThe Mashroom Show #2 | Repossession: Can You Get Your Property Back?Property litigation solicitor Adrian McClinton joined Rob Smith to break down everything you need to know about Section 8, Section 21 and dispute resolution.
The average repossession can take almost a year and cost around £3,000, not including any lost rent you might incur. And with Section 21 officially going, is there a cheaper and easier way to repossess your property?
Join us to understand how all eviction notices work and how you can try to avoid court. 2022-12-2841 min
The Mashroom ShowThe Mashroom Show #1 | Landlord Legislation Changes: What Will They Cost You?In the very first episode of The Mashroom Show, Rob Smith is joined by James Tanner, an energy and efficiency expert and full-time landlord, to talk about upcoming legislation changes.
This legislative change will take the minimum EPC rating up to a C - and it could cost UK landlords £16bn. So how can you get your rating up without breaking the bank? On top of that, the new energy price cap has come into force and there is no one left unaffected by the soaring cost of energy. Join us as we discuss how you can c...2022-12-2130 min