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Simon Pither

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The Business of Property
The Business of PropertyMortgage market update - November 2025Regular guest Simon Glastonbury, an independent mortgage broker, joins this episode to discuss the latest news for the mortgage market. Simon and Simon discuss what the property market is waiting for - maybe it's the Bank of England, the budget, or Christmas? Plus their regular round-up of current mortgage rates for property investors. This podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today. ...
2025-11-1940 minThe Business of Property
The Business of PropertyOne Thing Wednesday - Learn about MTD!Simon and Rachael are back for another One Thing Wednesday episode, this time suggesting it's time to dig into learning what Making Tax Digital means for you. This podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today. Episode links: My Freelance Admin. Previous MTD episodes: Episode 287 - Answering MTD Questions. Episode 289 - Answering Making Tax Digital Questions. PaTMa MTD software for landlords. Ask Simon...
2025-11-1207 minThe Business of Property
The Business of PropertyMortgage market update - August 2025Regular guest Simon Glastonbury, an independent mortgage broker, joins this episode to discuss the latest news for the mortgage market. Simon and Simon discuss the Bank of England, efforts to encourage first time buyers and how the property market could be primed for action very soon! Plus their regular round-up of current mortgage rates for property investors. This podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE...
2025-08-1336 minThe Business of Property
The Business of PropertyMoney to invest but not sure how to start?Simon has been talking to a few potential property investors looking for advice on how to get started. In this episode Simon talks through his initial advice. This podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today. Episode links: Crawley Property Meet. Surrey Property Exchange. Property and Poppadoms. PaTMa free basic BTL deal calculator. Free deal analysis spreadsheet from PaTMa. PaTMa Deal Finder Starter...
2025-07-0917 minThe Business of Property
The Business of PropertyMortgage market update, June 2025Regular guest Simon Glastonbury, an independent mortgage broker, joins this episode to discuss the latest news for the mortgage market. Simon and Simon discuss the Bank of England, over optimistic agent valuations and university accommodation options for property investor parents. Plus their regular round-up of current mortgage rates for property investors. This podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today. Episode links:
2025-06-2535 minThe Business of Property
The Business of PropertyAnswering Making Tax Digital QuestionsSimon is still getting questions from landlords about Making Tax Digital, in this episode he's answering a few common ones. Ask Simon about Making Tax Digital This podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today. Episode links: Episode 287 - previous MTD questions and answers. You can book a call with Simon about MTD. Get your free weekly property market stats from...
2025-06-1112 minThe Business of Property
The Business of PropertyAnswering your MTD questionsSimon is getting more questions from landlords about Making Tax Digital, in this episode he starts answering a few common ones. Ask Simon about Making Tax Digital This podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today. Episode links: You can book a call with Simon about MTD. Join our email newsletter for a free weekly property market report. Find us on...
2025-05-2815 minThe Business of Property
The Business of PropertyMortgage market update, May 2025Regular guest Simon Glastonbury, an independent mortgage broker, joins this episode to discuss the latest Bank of England rate reduction and what it means for available mortgage rates. Simon and Simon discuss the promising changes to available mortgage products, and some concern over the wider property market! Plus their regular round-up of current mortgage rates for property investors. This podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your...
2025-05-2147 minThe Business of Property
The Business of PropertyProperty Market Update March/April 2025In this episode, Simon reviews the latest property market data from March 2025. Looking at listing prices, market reductions, time on the market, and rental prices, Simon reports on changes in March and considers the property market ahead for April. This podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today. Episode links: HMRC monthly transactions. Join our email newsletter for a free weekly...
2025-04-0208 minThe Business of Property
The Business of PropertyReplacing your salary with HMO investmentsSimon answers the question of what it would take to replace the average salary with an HMO portfolio. Stuart and Simon previously asked this question four years ago and this episode revisits the question with up to date figures. Listen back to episode 86 as well for the comparison on how dramatically things have changed in the last four years. This podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get...
2025-03-1914 minThe Business of Property
The Business of PropertyReplacing your salary with BTL investmentsSimon answers the question of what it would take to replace the average salary with a BTL portfolio. Stuart and Simon previously asked this question four years ago and this episode revisits the question with up to date figures. Listen back to episode 86 as well for the comparison on how dramatically things have changed in the last four years. This podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get...
2025-03-1211 minThe Business of Property
The Business of PropertyProperty Market Update February/March 2025In this episode, Simon reviews the latest property market data from February 2025. Looking at listing prices, market reductions, time on the market, and rental prices, Simon reports on changes in February and considers the property market ahead for March. This podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today. Episode links: Join our email newsletter for a free weekly property market report. ...
2025-03-0506 minThe Business of Property
The Business of PropertyBoE Rate Drop - Mortgage UpdateRegular guest Simon Glastonbury, an independent mortgage broker, joins this episode to discuss the latest Bank of England rate reduction and what it means for available mortgage rates. Simon and Simon discuss the future of the Bank of England rate, the disappointing effect on actual mortgage rates, and a new height for mortgage fees! Plus their regular round-up of current mortgage rates for property investors. This podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent...
2025-02-1933 minThe Business of Property
The Business of PropertyMarket Update January 2025In this episode, Simon reviews the latest property market data from January 2025. Focusing on listing prices, market reductions, time on the market, and rental prices, Simon considers how well the property market has started 2025. This podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today. Episode links: Join our email newsletter for a free weekly property market report. Find us on YouTube or...
2025-01-2908 minThe Business of Property
The Business of PropertyMortgage Roundup for the end of 2024Regular guest Simon Glastonbury, an independent mortgage broker, joins this episode to roundup the current UK mortgage market at the end of 2024. Simon and Simon discuss lots of mortgage interest rates - the future of the Bank of England rate, how rates have changed over 2024 and what 2025 might bring. Plus their regular round-up of current mortgage rates for property investors. This podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates...
2024-12-2522 minThe Business of Property
The Business of PropertySimon's Monthly Property Admin - Live!Simon provides a live walk-through of his monthly property finance updates! Using the PaTMa Property Manager software Simon demonstrates how quickly he manages his monthly updates, including invoices and rent payments. He showcases the efficiency of automation in property management, providing valuable insights for active UK landlords and property investors on streamlining financial processes. This podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today.
2024-12-1813 minThe Business of Property
The Business of PropertyProperty Market Predictions to 2027Simon delves into the future of the property market by analyzing three recent forecasts covering the next three years. He reviews reports from Hamptons, JLL, and Savills, comparing their predictions for house prices and rental prices over the next three years. Additionally, Simon highlights a Nationwide report discussing upcoming changes to first-time buyer stamp duty and its potential market impact. This podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates...
2024-12-1114 minThe Business of Property
The Business of PropertyYear-End Property Market Insights: Trends, Reductions, and moreSimon offers an analysis of the UK property market as 2024 draws to a close. He highlights the typical seasonal slowdown, noting increased price reductions and longer selling times. Despite this, Simon identifies opportunities for savvy investors to find bargains. He also discusses trends in rental prices. This podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today. Episode links: Hometrack October. Join our...
2024-11-2006 minThe Business of Property
The Business of PropertyBeing positive about mortgagesRegular guest Simon Glastonbury, an independent mortgage broker, joins this episode to explore the current UK mortgage market. Simon and Simon discuss the Bank of England interest rate change and how it's affecting the mortgage market. Plus their regular round-up of current mortgage rates for property investors. This podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today. Episode links: Special guest...
2024-11-1335 minThe Business of Property
The Business of PropertyHave you missed this in your budget reviews?Simon delves into the recent budget and its implications for UK landlords. Simon focuses on a key and under-reported change affecting smaller landlords. Simon also covers other key budget points, including changes to stamp duty, capital gains tax, inheritance tax, employers' national insurance, and energy efficiency requirements for rental properties. This podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today. Episode links: ...
2024-11-0612 minThe Business of Property
The Business of Property8 Reasons to Self Manage your Rental PropertiesSimon delves into the benefits of self managing your rental properties. Simon outlines eight compelling reasons why landlords might opt for managing their own rental properties rather than using letting agents. Simon also highlights useful tools that can aid landlords in self-management. This podcast is produced in association with PaTMa, the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today. Episode links: Join our email newsletter for a free weekly...
2024-10-0913 minThe Business of Property
The Business of PropertyMortgage updates and HMO commercial valuationsRegular guest Simon Glastonbury, an independent mortgage broker, joins this episode to delve into the current state of the UK mortgage market. Plus a discussion about HMO commercial valuations! Simon and Simon discuss recent trends in interest rates and their impact on buyers and investors. Simon highlights the increased activity among mortgage brokers due to the slight decline in rates, the psychological factors influencing buyer behavior, and the challenges faced by first-time buyers. The episode provides valuable insights for property investors navigating the evolving mortgage landscape. Episode links: Special guest - mortgage broker Simon...
2024-10-0231 minThe Business of Property
The Business of Property8 Reasons to Use a Letting AgentSimon, delves into the benefits of using a letting agent for managing rental properties. He outlines eight compelling reasons why landlords might opt for professional management services. Simon emphasizes that while self-management has its perks, a letting agent can provide valuable support, particularly for landlords lacking the time, experience, or desire to handle all aspects of property management. Episode links: Join our email newsletter for a free weekly property market report. Find us on YouTube or LinkedIn: Simon. Subscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms.
2024-09-2515 minThe Business of Property
The Business of PropertyAnalyzing the Property Market: Two Years to August 2024In this episode, Simon compares property market data from August 2024 with figures from August 2023 and August 2022. Focusing on listing prices, time on the market, and rental performance, Simon highlights trends such as a real-term decline in property prices and a robust rental market with rents outpacing inflation. He also speculates on future market conditions, considering changing interest rates and economic factors. Episode links: PaTMa weekly market report. Join our email newsletter for a free weekly property market report. Find us on YouTube or LinkedIn: Simon. Subscribe to The Business of Property podcast on...
2024-09-0417 minThe Business of Property
The Business of PropertyIs Self-Managing Tenant Finding Worth the Time and Cost?In this episode, Simon delves into the tenant-finding process. He compares the real costs of self-managing tenant finding versus hiring an agent. Simon covers both cash expenses and time investment. Simon outlines tasks such as advertising, tenant inquiries, viewings, and referencing, providing a detailed breakdown of his time spent. Also learn about the tools and technology that help with self-managed tenant finding.. Episode links: Episode 221 - more in-depth on self marketing for tenants. OpenRent for advertising and referencing. PaTMa for managing compliance and documentation. Savvycal for scheduling viewings. Or Cal.com / Google Calendar appointment...
2024-08-2819 minThe Business of Property
The Business of PropertyBridging Finance and Mortgage Trends with Simon GlastonburySimon is joined by Simon Glastonbury, an independent mortgage broker with 25 years of experience, to discuss the Bank of England's base rate reduction and its impact on mortgage rates. Simon provides insights into the current mortgage landscape, highlighting anticipated changes and their effects on first-time buyers and investors. The episode also introduces bridging finance, explaining its uses and differences from traditional mortgages. Episode links: Special guest - mortgage broker Simon Glastonbury. Join our email newsletter for a free weekly property market report. Find us on YouTube or LinkedIn: Simon. Subscribe to The Business...
2024-08-1438 minThe Business of Property
The Business of PropertyProfitable to Precarious: The Reality of Remortgaging BTL InvestmentsIn this episode of the Business of Property podcast, Simon delves into the current financial challenges faced by UK landlords with buy-to-let properties. Simon discusses the financial strain caused by rising interest rates and changes in tax regulations (Section 24). Simon revisits a previously analyzed investment property, illustrating how increased mortgage costs and tax liabilities significantly reduce profitability. Listen for all the numbers! Episode links: Last weeks property walkthrough. Join our email newsletter for a free weekly property market report. Find us on YouTube or LinkedIn: Simon. Subscribe to The Business of Property...
2024-07-3120 minThe Business of Property
The Business of PropertyBoring Property Deals Can Work!Simon introduces a successful yet straightforward investment property acquired in 2017, highlighting the simplicity of the process compared to more complex deals discussed in previous episodes. Simon details the process of finding, purchasing, and managing a three-bedroom terrace home in Redhill. Emphasizing the importance of sharing both complex and simple property investment stories, he invites listeners to share their own experiences, particularly those that may be considered "boring" or straightforward, to contribute to the learning of the property investment community. Episode links: Last weeks property walkthrough with Susannah Cole. Early analysis from property listings. Join...
2024-07-2423 minThe Business of Property
The Business of PropertyMortgage Update + Should You Consider Tracker Mortgages?Simon and seasoned mortgage broker Simon Glastonbury delve into the current state of the UK property market and the potential impact of the general election on mortgages and finance. They explore the outlook for interest rates, speculate on possible stamp duty changes, and discuss the implications of a base rate cut on fixed rates. The conversation shifts to tracker mortgages, examining their history, current availability, and the risks and benefits compared to fixed rates. They also include a mortgage update with all the best mortgage rates currently available for investors. Episode links: Special guest...
2024-07-1041 minThe Business of Property
The Business of PropertyThe End-of-Tenancy Tango: Council Tax, Utilities and moreHost Simon provides a detailed guide on managing the end of a tenancy. Simon addresses a listener's question about handling council tax, utilities, and other administrative tasks, especially for properties owned by limited companies. He shares his own experiences as a self-managing landlord, highlighting the need for effective communication, documentation, and thorough inspections. Simon's insights offer valuable advice for landlords and property managers to ensure a smooth transition and address key administrative tasks efficiently. Join our email newsletter for extra, exclusive resources. Episode links: Building a Time Efficient £Million Property Portfolio. How t...
2024-07-0334 minThe Business of Property
The Business of PropertyMake £1 million from BTL (Part 2, The Future)In this episode, Simon delves into a follow-up discussion on achieving £1 million from a buy-to-let property portfolio, addressing listener questions from the previous episode. Simon introduces updates to the PaTMa Prospector software, which now offers enhanced features for evaluating multiple property strategies and clearer financial forecasts. Simon also offers a seven-day trial for the software and encourages feedback. He answers questions about his own portfolio and the feasibility of the £1 million model, considering current market conditions. Join our email newsletter for extra, exclusive resources. Episode links: Last week - How to make £1 mil...
2024-06-2617 minThe Business of Property
The Business of PropertyHow to make £1 million from buy-to-let propertyIn this episode, Simon explores the pathway to making £1 million from buy-to-let property investments. Simon outlines a simplified model that focuses on rental profit and equity gains. He details an investment strategy involving purchasing standard three-bedroom family homes in Brighton. Listen to find out how this simple property investment strategy can make £1 million. Join our email newsletter for extra, exclusive resources. Episode links: The previous "Replace your salary from property" series... Replacing your salary with rent-to-rent. Replacing your salary with an HMO portfolio. Replacing your salary with a buy to let portfolio. Re...
2024-06-1924 minThe Business of Property
The Business of PropertyBuilding a Time Efficient £Million Property PortfolioSimon explores strategies for optimizing a £million property portfolio for minimal time investment, without fully outsourcing. Have you considered how the structure of your property portfolio, and the properties within it, affects the amount of time you spend? Listen for Simon's thoughts on how you should structure a £million property portfolio with the intention of minimising the cost on your time. Join our email newsletter for extra, exclusive resources. Episode links: My last solo episode - 231 - How do you evaluate a property?. Property Hub episode Find us on YouTube or LinkedIn: Si...
2024-06-1220 minThe Business of Property
The Business of PropertyA Guide to Limited Company Mortgages. And the Best Mortgage Rates.Host Simon, a seasoned property investor, chats with Simon, an expert mortgage broker, about the intricacies of mortgage rates, the influence of the Bank of England base rate, and the specifics of limited company mortgages. The episode delves into the potential fluctuations of the base rate and its subsequent effects on mortgage rates, as well as the unique challenges and documentation requirements for portfolio landlords and limited company buy-to-let applications. Listeners gain valuable insights into the current mortgage landscape, including a look at a novel mortgage product that could benefit certain buyers. Join our email...
2024-05-2239 minThe Business of Property
The Business of PropertyHow do you evaluate a property?In the latest episode of the Business of Property podcast, host Simon delves into his process for evaluating properties from his desktop. He shares valuable insights on assessing floor plans, scrutinizing photos, and the benefits of virtual tours for a better grasp of a property's layout and condition. Simon also discusses using Google Street View and Maps to understand the property's surroundings and highlights the importance of reviewing the Energy Performance Certificate for rental compliance and improvement potential. He concludes by mentioning financial evaluation tools, such as the free buy-to-let profit calculator available from PaTMa. Process overview:
2024-05-0121 minThe Business of Property
The Business of PropertyThe best mortgage rates, market urgency and EWS1 requirementsHost Simon is joined by Simon Glastonbury, a seasoned independent mortgage broker. They note an uptick in available properties but a corresponding dip in buyer urgency, and round-up the latest mortgage rates. They delve into the nuances of the UK property market, noting an uptick in available properties but a corresponding dip in buyer urgency, which may lead to transaction delays. Simon G sheds light on the high fall-through rates and the emotional toll of collapsed deals. He also touches on lenders' meticulousness in the mortgage process, the challenges of down valuations, and options for dealing with...
2024-04-1737 minThe Business of Property
The Business of PropertyIs a property business that loses money a good strategy?In this episode of the Business of Property podcast, co-hosts Stuart and Simon engage in a lively debate about the meaning of a "real property business". Simon presents a scenario where a property business makes a loss initially due to investment and maintenance costs but still generates income through rentals. Stuart stresses the importance of real-world profitability and is sceptical about a business that only shows a 5.1% return after four years. They explore the implications of accounting for profit and tax strategies, with differing views on when a property business should be considered genuinely profitable. ...
2024-03-2725 minThe Business of Property
The Business of PropertyCommon property business problemsSimon and Stuart engage in a detailed conversation about the complexities of managing a diverse property portfolio. They discuss the unique challenges that come with different types of properties, such as buy-to-let, commercial spaces, serviced accommodation, and HMOs. They stress the importance of having a clear strategy and understanding what 'freedom' and 'legacy' mean to you, and within the realm of property investment. Stuart advises taking time to reflect on personal goals, while Simon talks about the option of outsourcing management tasks to streamline a portfolio. The episode is a deep dive into optimizing property management and...
2024-03-2028 minThe Business of Property
The Business of PropertyThe Budget's Impact on Property Businesses and MortgagesIn this episode, Stuart, Simon, and resident mortgage broker Simon Glastonbury discuss the recent budget's impact on property businesses. They cover the VAT threshold increase, the capital gains tax reduction for property sellers, and the decrease in the tax-free allowance. Stuart welcomes tax reductions, while Simon Glastonbury highlights how the lower allowance might negate tax rate benefits for some. They address the budget's effects on landlords and first-time buyers, expressing disappointment over the absence of 99% loan-to-value mortgages. They also debate the abolition of multiple dwellings relief and its implications for large investors. The episode offers a detailed...
2024-03-1333 minThe Business of Property
The Business of PropertyUK property market increases and decreases: Hometrack reviewStuart and Simon delve into the UK house price index, discussing its meaning for the property market and examining regional price variations. They note a slight national decrease in property prices but highlight significant regional disparities. Personal anecdotes from Simon and Stuart reveal a more complex market situation than the statistics suggest, with properties still attracting offers near or above the asking price. The conversation also covers the rental market, observing shifts in tenant behavior and the balance of demand and supply. The episode offers a nuanced look at the property market, contrasting data with real-world experiences.
2024-03-0621 minThe Business of Property
The Business of PropertySimon's increased BTL revenues came at significant cost!Stuart and Simon explore the financial journey of Simon's property business. They start with the 2016-2017 tax year, where Simon's three buy-to-let properties yielded £36,000 in revenue and £29,000 in pre-tax profit. The conversation then covers the challenges posed by Section 24, which affected mortgage interest tax relief, increasing costs and reducing profits. Despite this, Simon remains focused on the long-term advantages of property investment, such as capital gains and equity growth. Stuart acknowledges the hard work behind managing a property portfolio, and together they shed light on the complexities of property business finances. Join our email newsletter fo...
2024-02-2817 minThe Business of Property
The Business of Property3% mortgage rates, rising rates and fees increasing leverage - what's happening with mortgages??!!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, with fewer people seeking mortgage products. Join our email newsletter for extra, exclusive resources. Episode links: Special guest - mortgage broker Simon Glastonbury. Take the score card...
2024-02-0728 minThe Business of Property
The Business of PropertyWhat’s the best property strategy to scale?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 email newsletter for extra, exclusive resources. Episode links: Episode with Luke. Episode with Julia. Take the score card to discover if you're ready to scale your property business. Find us on Twitter, YouTube or...
2024-01-3126 minThe Business of Property
The Business of PropertyUsing a limited company for property investmentSimon 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 you want to get a mortgage. Capital improvement vs maintenance. Take the score card to discover if you're ready to scale your property business. Find us on Twitter, YouTube or LinkedIn: Stuart, Simon. ...
2023-12-2025 minThe Business of Property
The Business of PropertyMortgage updates plus key criteria for limited company mortgagesSimon 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 company. To buy or not to buy in a limited company. Limits on a limited company that wants a mortgage. Income requirements for directors. Differences for limited company mortgages - or are they? Loan To Value...
2023-12-1336 minThe Business of Property
The Business of PropertyProperty software found Simon a house!!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 looking for investment property. There are some chunky price reductions out there. Check your area in PaTMa's market insights. Take the score card to discover if you're ready to scale your property business. Find us...
2023-11-2921 minThe Business of Property
The Business of PropertyMortgages rates update: £15k fees on buy to let??!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 property market. Are first time buyers struggling to adjust to the current market? Nothing indicating a property crash! Renegotiating price on exchange. Do due diligence on buyers in this market. "The bargains will...
2023-10-2533 minThe Business of Property
The Business of PropertyBuilding a team for *very* remote investing, with Mike StenhouseSpecial 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 investing work. Real life events to find investors. Building a brand to help reassure investors. Most of the Google results for Simon are not actually Simon! Seth Godin. Entrepreneurs on Fire podcast. A baby...
2023-09-0642 minThe Business of Property
The Business of Property"Is BTL profitable?" - Simon thinks it can be!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 create unprofitable BTLs. Extending a leasehold. Having the option to buy your freehold. Find us on Twitter, YouTube or LinkedIn: Stuart, Simon. Subscribe to The Business of Property podcast on Spotify...
2023-08-3021 minThe Business of Property
The Business of PropertyMortgage Updates: Rates, fall throughs, revaluations & crazy fees!!Simon Glastonbury joins us with all the latest mortgage news. We're talking fall-throughs, down valuations, 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. Fall throughs are up. Estate agents are worried. Concern about the housing market - but not expecting a big crash. Worrying about the jump when fixed rates expire. Current mortgage interest rate round-up. Crazy fees! Find us on Twitter, YouTube or LinkedIn: Stuart, Simon. Subscribe to The...
2023-08-1632 minThe Business of Property
The Business of PropertyHow do we pay ourselves from our Ltd companies?Stuart and Simon talk about extracting money from their property investment companies and the principles they use to do it efficiently. Join our email newsletter for extra, exclusive resources. The property talk this week includes: Extracting funds from a limited company. Loan repayments. Figures behind Simon's recent investment. Section 24 rant! Salary. Dividends. Find us on Twitter, YouTube or LinkedIn: Stuart, Simon. Subscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms. Join our email newsletter for extra, exclusive resources. Please leave us a rating and...
2023-07-1220 minThe Business of Property
The Business of PropertyMortgage rates, swap rates and stress tests with our resident brokerSimon Glastonbury joins us to talk over all the latest turbulence in the mortgage market. As always, listen to the end for our popular mortgage rate round-up. Join our email newsletter for extra, exclusive resources. The property talk this week includes: Special guest - mortgage broker Simon Glastonbury. What effect has the latest Bank of England base rate change had? Getting to know swap rates. High demand for two year fixes. The latest mortgage rates - residential, BTL, HMO, and Limited company. Current example stress and rental cover rates. Find us on Twitter, YouTube...
2023-07-0537 minThe Business of Property
The Business of PropertyInterest rates: can they be predictable?Stuart and Simon chat about the trials of turbulent mortgage interest rates! Join our email newsletter for extra, exclusive resources. The property talk this week includes: Mortgage broker Simon Glastonbury. Mortgages are changing, again. Mortgage stress rates and rental/interest cover requirements. Rental cover for HMOs. How long do we fix for? What else can we fix? Swimming up hill? Change things! Find us on Twitter, YouTube or LinkedIn: Stuart, Simon. Subscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms. Join our email newsletter for extra...
2023-06-0727 minThe Business of Property
The Business of PropertyIs Simon happy with his new property investment?Stuart and Simon explore the real numbers before, during and after Simon's latest property investment. Join our email newsletter for extra, exclusive resources. The property talk this week includes: What was Simon looking for? Thinking back to the property market last year. Offers and purchase price. Mortgage woes. Making up with the rent. See episode 12 for ROI and other definitions. Forecast vs actual ROI and yield. Capital gains illustration. Is Simon happy with the investment? Find us on Twitter, YouTube or LinkedIn: Stuart, Simon. Subscribe to The Business of Property podcast on Spotify...
2023-05-1030 minThe Business of Property
The Business of PropertyThe Three-Year Property Flip!!Simon and Stuart discuss a particular property that Stuart has, accidentally, been working on for over three years. Join our email newsletter for extra, exclusive resources. The property talk this week includes: A different approach to "flipping". Re-cap since episode 36. Episode 39. A special mention for InterBay. The three year bridging loan! The EWS1 has finally been issued! Mortgage broker Simon Glastonbury. Considering and comparing mortgage fees. Whether BTL can actually make money. Refinance or sell? Find us on Twitter, YouTube or LinkedIn: Stuart, Simon. Subscribe to The Business of Property podcast on Spotify...
2023-05-0326 minThe Business of Property
The Business of PropertyHave interest rates broken BTL?!Stuart and Simon discuss whether buy-to-let investment is currently broken (or not). Join our email newsletter for extra, exclusive resources. The property talk this week includes: Is Simon's latest purchase broken (already)? Personal name vs limited company. BTL is broken! Is BTL over-leveraged instead? "If you're buying in cash, you're absolutely golden." Maybe BTL can work in some places? Find us on Twitter, YouTube or LinkedIn: Stuart, Simon. Subscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms. Join our email newsletter for extra, exclusive resources.
2023-04-2620 minThe Business of Property
The Business of PropertyAvoiding voids and landlords selling upSimon and Stuart chat about Simon's recent experience (and process) renting a 2-bed house in the South East. Plus, what's the average rental void at the moment and why are so many landlords selling up? Join our email newsletter for extra, exclusive resources. The property talk this week includes: Simon bucks the rental void period average by over 150 days! Simon confesses a planning oversight. Never before seen demand for a rental property! The process for the viewings Simon ran. Stuart is seeing a softening of HMO demand in his area. Tenant departures due to...
2023-04-1924 minThe Business of Property
The Business of PropertyProperty problemsStuart and Simon discuss the reality of running property businesses and the problems they face. From a slightly alarming market rent report to an even more alarming utility bill. Join our email newsletter for extra, exclusive resources. The property talk this week includes: New market rent report from PaTMa. Simon's portfolio is a little behind the market. Stuart's 50 + 60 > 100 challenge. Find us on Twitter, YouTube or LinkedIn: Stuart, Simon. Subscribe to The Business of Property podcast on Spotify, iTunes, and all podcast platforms. Join our email newsletter for extra, exclusive resources.
2023-04-1222 minThe Business of Property
The Business of PropertyAffordability and tenant selection: 80% on rent?!Stuart and Simon discuss the reality of running property businesses. Simon shares his experience of putting his property on the market and the response he's received from potential tenants. They discuss the affordability of rent, talk about the shortage of rental properties, and the drop in new rental property listings. Join our email newsletter for extra, exclusive resources. The chat this week includes: Simon's latest property on the rental market. It's even almost ready! Professional photos - perhaps with virtual tour. Matterport. OpenRent. 30+ applicants in 48 hours. Spending 80% of income on rent? Is the rental...
2023-03-2919 minThe Business of Property
The Business of PropertyMortgages: latest rates & updatesWe'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 Simon Glastonbury. Have mortgage rates peaked? What should you be doing about a pending rate expiry? Are trackers still an attractive option? How has stress testing changed and what does it mean for loan to...
2023-02-1532 minThe Business of Property
The Business of Property101% tax - Section 24 in actionStuart 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-Hd6Ooom9jfIVUEtacsgxSQ9PSDwT5fGOBAaQXcYBME/edit?usp=sharing Over 50% tax rate 101% tax rate! Stuart's "interesting" commercial property financing. Driving landlords out of the (BTL) market. Will things shift enough to really help...
2023-02-0123 minThe Business of Property
The Business of PropertyStuart confronts Simon's 2023 predictionsSimon 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. Property prices. Find us on Twitter, YouTube or LinkedIn: Stuart, Simon. Subscribe to The Business of Property podcast on Spotify, iTunes, and all podcast...
2023-01-2521 minThe Business of Property
The Business of PropertyManaging our property refurbishments and 'building' relationshipsSimon 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 relationships with builders. Defining "good" - with your own language. The quality of toilet seats. Find us on Twitter, YouTube or LinkedIn: Stuart, Simon. Subscribe to The Business of Property podcast on Spotify, iTunes, and...
2022-12-2129 minThe Business of Property
The Business of PropertyShould we be concerned about rents dropping and are we dropping our prices?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 measure. Increasing rent to help tenants stay adjusted! Inclusive energy caps. From rent forgiveness to rent increases for survival, in just two years. Practical issues with rent caps in shared...
2022-12-1429 minThe Business of Property
The Business of PropertyReviewing Simon’s potential property investmentsStuart 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 required investment and ROI (thanks to PaTMa calculations). Knocking 100k off your buying criteria. Pausing more than adjusting. Reducing portfolio leverage. January will be interesting - will the normal seasonal uplift happen? ...
2022-11-3026 minThe Business of Property
The Business of PropertyLiving intentionally: changing our actions to meet goalsSimon 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. The One Thing. Creating a habit (in 66 days). Alarm clock to force you up. Habits are real. Habit stacking. How do you structure your days/time? Find us on Twitter, YouTube...
2022-11-2324 minThe Business of Property
The Business of PropertyProperty asking prices are reducing, time to invest?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 - flats vs houses. Fall-through spike just after the mini-budget. Simon's purchase has completed. Price/value changes between offer and completion. A good positive sign from a buying perspective. Getting excited about...
2022-11-0225 minThe Business of Property
The Business of PropertyTracker vs fixed, 20 year property investment analysisSimon 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 Property Manager. The scary new stress test rates - and how they look in practice. Stuart's studio flat now (including below market rent). If purchasing without a mortgage (and with market...
2022-10-2627 minThe Business of Property
The Business of PropertyMortgage rates for property investing right nowWe'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 number of mortgage products. Updated mortgage stress test rates. Knock on effects to property prices. Currently available mortgage rates. Mortgage interest rates 20 years ago. Re-mortgage stress tests. Find us on Twitter, YouTube or LinkedIn: Stuart, Simon. Please...
2022-10-1939 minThe Business of Property
The Business of PropertyDealing with Nil Valuations in property investingWhat 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 a discount. Considering commercial. No stairs! Fireman poles and spiral slides! Find us on Twitter, YouTube or LinkedIn: Stuart, Simon. Please leave us a rating and review if you're enjoying the show.
2022-10-1223 minThe Business of Property
The Business of PropertyMortgage market update September 2022Simon 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(!) tracker rate look-up. Quick fire mortgage rates. Find us on Twitter, YouTube or LinkedIn: Stuart, Simon. Please leave us a rating and review if you're enjoying the show. This podcast is produced in association...
2022-09-2135 minThe Business of Property
The Business of PropertyProperty cash flow issuesStuart 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 mortgage broker episode. Get your re-mortgage applications started early! Utility costs affecting project planning. Increasing HMO room rates? HMO properties being emptied and sold. Find us on Twitter, YouTube or LinkedIn: Stuart, Simon.
2022-09-1427 minThe Business of Property
The Business of PropertyBuying property in a limited companyStuart and Simon are talking about Simon's decision to buy his next property in a limited company, along with getting that process started and what else he can expect. The chat this week includes: Our previous chat about buying limited or not. Why Simon has chosen the limited company route. More talk about Section 24. Section 24 is very dangerous if interest rates hit 6%+. Producing a property portfolio schedule spreadsheet easily with PaTMa. Considering share structure for your limited company. Antiquated mortgage requirements. Setting up a Starling business bank account. Bank and mortgage paperwork! Business plans. Find us...
2022-08-0328 minThe Business of Property
The Business of PropertyShould you worry about the rental reforms?This week Simon and Stuart chat about Section 24 tax and some of the proposed changes in the recent rental reform white paper. The discussion this week includes: Last weeks episode. Simon has made a decision on how to buy. June's rental reform white paper. Section 24 is in full force and will really start to bite with increasing interest rates. Test the impact of increasing interest rates with PaTMa's buy-to-let profit calculator. Mortgage lenders a relaxing their stress testing (but not for BTL). Loosing Section 21. Strengthening Section 8. How are student lets affected by removing Section 21. What about...
2022-07-1328 minThe Business of Property
The Business of PropertyTo buy or not to buy (in a limited company)Simon and Stuart are chatting about the age old question of limited company vs personal name for buying investment property. Complete with some very real (but do work your own out) estimates from Simon. The discussion this week includes: Research from Get Ground. 50% of investment properties were bought with a limited company. 76% considered buying in a limited company would help with inflation. Really!? Personal name vs limited company. Xero. Using PaTMa Property Manager, with open banking for streamlined bookkeeping. Extra costs of borrowing in a limited company, including mortgage interest rates. Simon's personal name vs limited...
2022-06-2928 minThe Business of Property
The Business of PropertyAn expert’s view on mortgages right nowStuart and Simon are joined by mortgage expert Simon Glastonbury to share first hand experience of the current mortgage market. Covering challenges, new trends, interest rate forecasts and some quick-fire current interest rates. The chat this week includes: Special guest - Mortgage broker Simon Glastonbury. Bank of England base rate has increased again. Mortgage companies pulling products at short notice. Service levels in the industry. Check access and reponse times when considering providers. Remortgage volume is very high. Why can't mortgage applications be more automated? Bridging finance is booming. Do BBL and CBILS still affect mortgage...
2022-06-2237 minThe Business of Property
The Business of PropertyLong term property returnsThis week is all about measuring your property returns. Stuart and Simon are chatting about the metrics they use, with a focus on ROE and ROCE. The discussion this week includes: Return on Equity (ROE) is now shown in Property Manager. Some property terms defined in episode 12. Simon had trouble with rent. How to calculate ROE. Return on Investment (ROI). How to calculate ROCE. Estimating a property value. Rightmove sold prices. Mouseprice. What do you think of the Zoopla changes? Backward steps at Google StreetView. Should you count rental profit as a return of capital? Should "...
2022-04-0627 minThe Business of Property
The Business of PropertyProperty searches and considering investorsStuart and Simon chat about the new PaTMa interface, their property searches and thinking about investors. The chat this week includes: PaTMa has a great new interface - making it even faster and easier to use. Simon has been collecting interesting properties in PaTMa Prospector. Getting back to searching for property deals. A slight change of property direction. Considering investors. We were in The Times (just in case you missed it)! Investor conversations. Find us on Twitter or LinkedIn: Stuart, Simon. Please leave us a rating and review if you're enjoying the show. ...
2022-02-0224 minThe Business of Property
The Business of PropertySnagging - what is snagging and how to snag successfullyStuart and Simon start with a quick crypto investment update and then turn their focus to snagging. What is snagging? How does the snagging process work? Can you keep your snagging process on-track? The chat this week includes: Our previous episode with a crypto investment update. Cryptocurrency investment progress update from Simon. Skepticism on blockchains disrupting property markets. What is snagging? Can 2% of new homes really be snag free. Professional snaggers are available. More snags due to the stamp duty holiday. Example snags: Window scratches Plasterboard ceilings Garden drainage Doors dropping Reversed switches Door locks Door...
2021-09-0124 minThe Business of Property
The Business of PropertyMost things are possibleThis week Simon and Stuart are chatting about progress and events in their property (and cryptocurrency) investments. The chat this week includes: Are The Property Podcast spying on us? We talk about cryptocurrencies They talk about bitcoin Land Registry property/fraud alert service. Download title deeds from the Land Registry. Validating property ownership for R2R. An update on Simon's cryptocurrency investments. Thinking long term for crypto investment. The next steps when a notice period expires. Landlords, tenants and theft! Trying for early exchange with insurance protection. Most things are possible. If you've enjoyed this...
2021-07-2827 minThe Business of Property
The Business of PropertyHouse price indexes and free employees!This week Simon and Stuart are talking about two recent house price index reports and what they show about the property market at the moment. Plus a discussion on the government Kickstart Scheme and the process for your property business to benefit from it. The chat this week includes: Halifax House Price Index - June 2021. Nationwide House Price Index - June/Q2 2021. Our previous thoughts on market changes as the stamp duty holiday ends. A delay in solicitors and local searches. The Government Kickstart scheme. Simon wants to improve the PaTMa documentation. The Kickstart Scheme application...
2021-07-1430 minThe Business of Property
The Business of PropertyHow to replace your salary with Rent-to-Rent (R2R)Stuart and Simon take a realistic look at the numbers involved in creating a rent-to-rent (R2R) property portfolio designed to replace your salary. They answer questions such as "What capital do you need?" and "How long will it take?". The discussion this week includes: Are Stuart and Simon trying to replace their salary? The average UK salary. Why replace your salary - what would it mean to you? Multi-million pound portfolios. Income from a typical / example rent-to-rent property. Costs to setup a rent-to-rent property. Don't forget the time (and work) involved to get started. It's...
2021-06-0924 minThe Business of Property
The Business of PropertyStarting in property series - evaluating two potential investment propertiesFollow along as Simon walks through his thoughts from evaluating two potential investment properties that were recently available at auction. The discussion this week included: Simon's investment criteria. Considering flats (a block of) vs houses. Deep dive into two evaluating two auction properties: Detached house in Redhill - multiple bidders, sold for £278k from a £180k guide. Block of flats in Redhill - one bid, sold for asking at £550k. Using PaTMa to quickly evaluate property investment scenarios. If you've enjoyed this podcast, please tell someone else about it.
2021-03-0331 minThe Business of Property
The Business of PropertyStarting in property series - ReasonsResponding to listener feedback, Simon and Stuart are starting a series of discussions about starting property investment. Initially with reasons and why this week, then covering early decisions, processes and even real potential properties. The chat this week includes: Why we chose property. Our property back story, part 1 Our property back story, part 2 A lot of effort for passive income. Property vs stocks and shares. "Imaginary" stocks and shares. Considering property funds. Asset liquidity. Property Partner - as not remembered by Simon. Get rich quick? Getting early cash out. Long-term decision making is better. Long term...
2021-01-1330 minThe Business of Property
The Business of PropertyGetting 2021 startedStuart and Simon are looking ahead to what their 2021 might hold and more specifically how they're getting it started. The discussion this week included: Looking to buy. Simon's property type preference. Considering buying with existing tenants in place. Rent from day one. Considering the risks - with restricted eviction options. Section 21 vs Section 8. ROI / Return On Investment. Calculating ROI. Simon's target ROI. Stuart's yield hurdle. Looking to consolidate. 2021 should be a year with plenty of excitement. Please leave us a rating and review if you're enjoying the show.
2021-01-0623 minThe Business of Property
The Business of PropertyProperty is a long term gameStuart and Simon chat about their (very) long-term goals and how their portfolios might change as they get older, perhaps even providing a form of "exit strategy". This week's conversation covered: Simon's property in Brighton in finally for sale. There's also a virtual tour. Stuart talks about the change to looking for cash buyers. Investors from Hong Kong seems to be a noticeable thing, including numbers registering for Property and Tenant Manager. An overrunning and challenging project. Slower market than expected. Our take on exit strategies from The Property Podcast. Longer term, pension scale, goals and...
2020-09-0927 minThe Business of Property
The Business of PropertyDon't lose sleep about itUpdates and chat from Stuart and Simon; talking about title changes, selling and dealing with cladding on flats. The discussion this week includes: Creating two properties from one - title splitting. The wonders of bank communications. Delays at the Land Registry. Simon has decided to put a property on the market (listing not live in time!). Stuart also has two properties for sale: studio flat in Kingston and a 2/3 bed flat in Croydon and is seeing some interest. Regional price variations. EWS1 form - External Wall Fire Review. "Don't lose sleep about it" - from a...
2020-08-2628 minThe Business of Property
The Business of PropertyFirst R2R (rent-to-rent)Simon opens with his "extensive" updates before Stuart and Simon chat a little about title splitting and lots about rent-to-rent. The chat this week includes: Title splitting mortgage mechanics. Finding opportunities with a "rent-to-rent campaign". How rent-to-rent can work for both the owner and R2R-er. Quick R2SA and R2HMO explainer. Details to consider when starting a R2R project. How Article 4 HMO restrictions can change the dynamics. Sharing costs in a R2R project. Stuart still has two flats on the market: studio flat in Kingston and a 2/3 bed flat in Croydon. ...
2020-08-1927 minThe Business of Property
The Business of PropertySo what if it drops 20%Stuart and Simon chat about their thinking as they approach a changing property market outlook, and how they could approach it better. Recorded on Tuesday 7th July - before the Summer Statement! The discussion this week included: Stuart's words linger in Simon's thoughts! Cash reserves make for a stronger position to offer from. Possible implications of a stamp duty "holiday". Simon is wrong about the stamp duty reduction applying to investors! Should you try to "time the market". Property paperwork can take a long time. "When you're inside the bottle, it's hard to read...
2020-07-1526 minThe Business of Property
The Business of PropertyProperty obsessionsSimon and Stuart chat about some of the recent enhancements in Simon's property software (PaTMa) before the conversation wanders onto "property porn"! Some of the topics from this week: The new investor focussed Property search from PaTMa. Using re-listed properties to find motivated sellers. Have median house prices really gone up during lockdown. Are relationship "changes" driving rental demand. Number 1, The Thames Quirky properties and those for idle curiosity. Underground farming. Royal Mail underground museum. Searching and monitoring planning applications. Please leave us a rating and review if you're enjoying the show.
2020-06-2424 minThe Business of Property
The Business of PropertyHMOs are dead!HMOs are dead! Or are they? Simon and Stuart explore the topic. No spoilers this week, you'll have to listen to find out what Stuart and Simon think the future may hold for houses of multiple occupation. CBILS and Bounce Back Loans also get a mention. Please leave us a rating and review if you're enjoying the show.
2020-06-1024 minThe Business of Property
The Business of PropertyA lot has changed!In this update episode, Stuart and Simon chat about what's been changing in their property businesses in recent weeks. Some of the topics covered in the chat: Stuart has experienced finance options being withdrawn. Building works have stopped - due to isolation needs! Trying to get up-valuations from a "desktop valuation" is tricky. Simon's experiences with rent payments during lockdown. PaTMa is still making improvements, now supporting Scottish and Welsh stamp duty. Complete with automatic detection from the postcode for the property browser extension. An experience with the great people working in the NHS. Please...
2020-05-0625 minThe Business of Property
The Business of PropertyOur stories, part 1The first part of Stuart and Simon's property back-story, starting with "Why?". Why? Why was property the business that they each chose? Simon and Stuart have very different answers! Stuart gets in a mention that some of his story is also available on Executive Juice - another excellent business podcast! When? Simon discusses the difference between being "just" a landlord and being a deliberate property investor. Simon's property journey began in 2002. Stuart's property journey began in 2007. Both of them stepped up to being an investor a few...
2020-04-2227 minThe Business of Property
The Business of PropertyProperty financing during lockdownStuart and Simon are joined by mortgage expert Lee to discuss more of the impacts of COVID-19 on the property world, this time with a focus around financing and mortgages. We chat about all sorts of changes and impacts including: Mortgage holidays and how lenders are adapting to cope with the demand. Desktop valuations and their increased role. Looking for new approaches, maybe with drones! Enquiries are down, but those that remain are more serious. All the talk about mortgages is spurring some landlords to use the idle time for remortgaging. The recent base rate reductions.
2020-04-1529 minThe Business of Property
The Business of PropertyKeep moving forwardsSimon and Stuart are settling into the new lock-down normal, struggling to keep track of the days, but otherwise still moving forwards with their property businesses. Following the supposed shutdown of the property market, Stuart still seems extremely busy. With valuations, refinancing, building works and title splits there's a lot going on! And it's almost all continuing at almost full steam! Stuart and Simon discuss how current technology is allowing many to continue with life and work despite the social distancing requirements. It is a shame about all the zombie mailing lists being resurrected though.
2020-04-0124 minThe Business of Property
The Business of PropertyA new property landscapeStuart and Simon chat about updates in their property businesses, especially in light of the rapidly and drastically changing world we currently live in! (Please accept our apologies for slightly more background noise than normal on this episode.) Note this episode was recorded several days before release and before the most dramatic "lockdown" imposed early this week! What does the current world situation mean for Stuart's flip project that's just been finished and is now ready to be marketed. Do you have an emergency fund? How safe or strong is it...
2020-03-2519 minThe Business of Property
The Business of PropertyOur property financingStuart and Simon talk about financing property and how they do it. Simon's oldest mortgage is actually still a residential one with consent to let and it's an old mortgage! In fact his oldest two mortgages are both very low trackers which makes them hard to give up, despite the potential to extract further funds. Stuart doesn't have any old mortgages! He's strictly a short term, fixed rate, mortgage user. Aiming for maximum flexibility at minimum cost. He has even chosen flexibility and avoiding ERCs (Early Redemption Charges) over a cheaper rate at times!
2020-03-1122 minThe Business of Property
The Business of PropertyUpdates and angel investingStuart and Simon provide updates ranging from football coaching to property angel investment. Simon is soon expecting his money back from a small angel investment project. Stuart and Simon discuss many of the aspects around making angel investments in property companies - effectively an unsecured loan to that company. Why would you? How does it work? Is there actually a "Boris bounce" in the early 2020 property market? The 18-year property cycle gets a mention in relation to a recent Property Hub podcast episode.
2020-03-0423 minThe Business of Property
The Business of PropertyAuction results and remortgagingStuart and Simon discuss auction results, recent and from the more distant past. With a wider chat about "reading" auction rooms. Simon talks about potentially remortgaging to pull out some equity to provide new deposits, with the basic financial details around that. Followed by a slightly deeper discussion about mortgage options, loan to value and rental cover stress tests. Simon can't do mental arithmetic, he wrote the PaTMa BTL profit calculator instead! Stuart runs through the figures on one of his HMO investments.
2019-11-2721 minThe Business of Property
The Business of PropertyPotential investmentsStuart and Simon talk about some properties that they've recently viewed as potential investments. Stuart has viewed a ex-convent and Victorian house that's currently flats, both coming up for auction. Simon also talks about a house that's currently split into flats, seemingly the left-overs after it's garden had been built on. Plus a grade II listed Tudor house that's interesting but difficult to imagine an investment scenario for. They discuss renovations, HMOs and current property pricing.
2019-11-1317 min