Explorez tous les épisodes du podcast Honest Property Investment with Natasha Collins

In this episode, I’m joined by Gerard Davis, a qualified commercial solicitor and Business Development Manager at Talbots Law, to break down a real commercial property deal involving lock-up garages — and why this type of asset can be a smart, low-barrier entry point into commercial property.

We talk through Gerard’s purchase of 12 lock-up garages for £51,000, how he identified that the asset was significantly under-rented, and why the value in the deal came from fixing the income, not development. By using commercial agents to increase rents and re-let units properly, the income was stabilised and later supported a RICS valuation of £140,000.

We also discuss how Gerard structured the deal long term by selling the asset into his SSAS pension, allowing rental income to be received tax free within the pension — and why getting the legal and professional advice right is critical when using this type of strategy.

This episode is particularly useful if you’re:

• Investing in residential and considering moving into commercial

• Curious about under-rented assets and income-led value creation

• Exploring lock-ups as a first commercial investment

• Interested in pension-led property strategies such as SSAS

Talbots Law: https://www.talbotslaw.co.uk/site/people/gerard-davis/
LinkedIn: https://www.linkedin.com/in/gerard-davis-solicitor-a1a923155/

🔗 Connect with Gerard

This week I discuss the pending legislation that will make upwards only rent reviews illegal, how that will impact your commercial property and what to do about it.

I also discuss open market rent reviews and why they aren't actually cost effective for landlords to have in their leases and again what you can do about it.

Happy New Year! The podcast is back. Today I start by discussing what I'm focusing on in my commercial property portfolio, why I still hate Air BnB.

The main topic of the week is about what I mean when I talk about risk and yields and what yields I'm expecting to see from each commercial property type in 2026.

My question for you: What commercial property yield are you targeting this year?

This year, I’ve seen a lot of investors buying good commercial and mixed-use buildings... but quietly leaving value on the table. Not because the buildings are wrong, but because of how they’re assessed and how they’re held.

In this episode, I break down two strategies I’ve personally used this year to increase commercial property value without development:
• Buying mixed-use property without pulling value into the residential unit
 • Structuring ownership correctly by splitting assets between a SSAS and a Ltd company

These are not beginner tactics, but when applied correctly, they can materially change value, financeability and exit options.

What You’ll Learn
• Why over-valuing the residential element in mixed-use property often destroys deal quality
 • How commercial valuers and lenders actually assess mixed-use buildings
 • Why residential units should often be treated as upside, not justification
 • How ownership structure can influence value, risk and long-term strategy
 • When splitting a building between a SSAS and a Ltd company makes sense
 • The biggest mistakes investors make when attempting these strategies without advice

Ready to Go Deeper?
Book a call with the NC Real Estate team.

In this episode, I’m breaking down the exact reasons why some commercial property deals stack up beautifully… and why others fall apart the moment you start doing the maths.

Most investors think a deal stacks up because “the yield looks good” — but that’s only one tiny part of the picture. A solid deal is built on verified income, realistic costs, a sensible purchase price, and a plan that actually works in real life, not just on paper.

I’ll walk you through:

• What “stacking up” truly means in commercial property

• The 5 factors that make a deal work

• The common pitfalls that cause even promising deals to unravel

• A simple checklist you can use on your next opportunity

If you’ve ever found yourself thinking, “This looks great… but something feels off,” this episode will help you understand exactly what to dig into before making an offer.

• Why verified income is your starting pointHow service charges, insurance and capex change the true picture

• What a sensible purchase price actually looks like

• How to decide whether a deal offers upside or stability

• The red flags that should make you walk away

In this episode, Steve Wallis and I sit down to unpack what the latest UK Budget really means for commercial property investors. There’s been so much noise, speculation and confusion over the past week, so we’re cutting through the chaos and focusing purely on what impacts you if you own, manage or plan to buy commercial property.

We break down the new tax rules on property income coming in from 2027, including the introduction of separate tax bands for rental profits and what this means if you hold property in your personal name versus through an SPV. We also discuss the increases to dividend tax, how this affects anyone extracting profits from a company, and why overall this Budget pushes investors even further towards using corporate structures.

Together, we cover the changes to salary sacrifice pension contributions, the government’s tougher stance on HMRC enforcement, and the move towards more automatic and regular tax payments for Self Assessment — all of which will influence cashflow planning and portfolio management.

By the end of the episode, you’ll understand exactly what’s changing, how it affects your current investments, and where the opportunities now sit. If you want to talk through how this applies to your personal strategy, you can book a call with my team at https://ncrealestate.co.uk/bookacall

In today’s episode, I’m stripping away the legal jargon and giving you clear, simple explanations of the commercial lease terms that matter most. Whether you’re reviewing your first lease or your fiftieth, understanding this language is essential — because the lease is the value of your commercial property.

I walk you through the key terms you’ll see in every lease, why they matter, and how they impact risk, cashflow and negotiations. By the end, you’ll be able to pick up a lease and instantly make sense of 80% of it.

• What Heads of Terms really are

• What “the demise” means — and why it’s crucial

• Service charges, in plain English

• Repairing obligations (FRI, IRI + Schedule of Condition)

• Break clauses — and the conditions that catch people out

• Rent reviews: open market, index-linked, caps + collars

• Alienation and why you do want control over who occupies your property

• User clauses and planning + valuation implications

• Security of Tenure under the 1954 Act — and whether your tenant has renewal rights

If you’ve ever felt like leases were deliberately written to confuse you, this episode will change that.

LINKS:

More information about the 1954 Act your full guide is here:
https://ncrealestate.co.uk/1954-act/

Find out your next best investment move:
https://nextcommercialproperty.scoreapp.com/

If you want to understand what a property is really worth:
https://ncrealestate.co.uk/investment-calculator/

Your no-nonsense guide to commercial property:
https://ncrealestate.co.uk/book

If you need help reviewing a lease, analysing a deal or setting your strategy:
https://ncrealestate.co.uk/bookacall

In this episode, I’m breaking down one of the most talked-about but misunderstood concepts in commercial property — yield.

I’ll walk you through exactly what yield means, how to calculate it, and how to use it to understand both risk and return. Because here’s the truth — a higher yield isn’t automatically better. It usually means more work, more management, and more uncertainty.

I’ll also explain the difference between gross yield, net yield, initial yield, and reversionary yield, and what each one tells you about a deal. Plus, we’ll look at how yield changes depending on tenant strength, lease length, property condition, and market confidence — and how you can use those insights to make smarter buying decisions.

If you’ve ever looked at a deal and wondered, “Is this yield good?”, this episode will give you the clarity you need to answer that for yourself.

• What yield really measures and how to calculate it

• The difference between gross, net, initial and reversionary yields

• Why yield is a reflection of risk as much as return

• What influences yield in commercial property

• How to use yield as a quick filter when comparing deals

• The most common mistakes I see beginners make when they’re analysing yields

Yield isn’t just about return — it’s an indicator of risk.

A higher yield often means more uncertainty and hands-on management. A lower yield usually signals stability and less involvement.

The key is to work out where you want to sit on that scale and what kind of investment suits you best.

🧮 Try my NC Real Estate Investment Calculator — it’ll show you exactly how changing the rent, price, or costs impacts your yield and your real return.

Residential and commercial property may both involve bricks and mortar — but they’re completely different businesses.

In this episode, I’m breaking down exactly what separates residential and commercial investment: how they’re valued, financed, taxed and managed, and why switching from one to the other means changing the way you think about property altogether.

If you’ve ever thought “I want to invest commercially, but I’m not sure what’s different,” this episode will make it crystal clear.

The Fundamentals

• The difference between letting to people versus businesses

• How lease length, responsibilities and vacancy risk change between the two
  

How Value is Determined

• Comparable-based versus income-based valuations

• How yield directly drives commercial value
  

Funding & Finance

• Why residential lenders assess you, but commercial lenders assess the deal

• Typical LTVs, interest rates and how I approach financing strategy
  

UK Property Transaction Taxes (2025 Update)

• SDLT in England & Northern Ireland

• LBTT in Scotland

• LTT in Wales

• The abolition of MDR in England/NI and how the commercial rates compare
  

Residential Licensing Fees

• Mandatory, Additional & Selective Licensing explained

• Typical costs, penalties, and how commercial avoids these completely
  

The Mindset Shift

• Why successful investors act like CEOs, not landlords

  How I build systems that let my portfolio run without me doing every task

• Residential property is heavily regulated and hands-on.

• Commercial property focuses on contracted income and long-term value growth.

• MDR is gone in England & NI but still available in Scotland and Wales.

• Six or more residential units usually qualify for commercial rates.

• There’s no licensing requirement for commercial — saving thousands in fees.

• To succeed, you need to think like a CEO, not a landlord.

  
  

  🔗 Resources I Mention

• Free guide: How to Find the Right Location to Invest In

• Quiz: What Commercial Property Should You Buy Next?

• Book a call: ncrealestate.co.uk/bookacall

I hear this all the time — “I’d love to do more in commercial property, but I don’t have enough time. I’ve got a full-time job, or I’m already managing a big residential portfolio.”

The truth is, if you don’t have enough time, it’s because you’re still trying to do everything yourself.

Commercial property is a business, and you have to start running it like one.

In this episode, I’m sharing how I approach my portfolio like a CEO — building systems, delegating, and budgeting properly so the business runs smoothly without me doing every task.

I’ll also show you how I find property like a CEO. You don’t need to be sourcing deals every month — I plan my acquisitions over 12 to 18 months, schedule each stage, and make sure every purchase fits the long-term strategy.

When you put the right systems in place, you create time and space to think clearly, make better decisions, and actually enjoy the process.

If you want to run your portfolio like a business and get your time back, book a call with me at ncrealestate.co.uk/bookacall.

You’ve listed the property, the board’s up, the agent’s optimistic… and yet, silence. No enquiries. No viewings. Nothing. It’s one of the most frustrating moments for any commercial property investor, because an empty property doesn’t just cost you rent, it costs you momentum.

This week, I’m sharing what to do when your property’s not letting – including the short-term tweaks you can make this week to get attention, and the longer-term strategy shifts that’ll stop it happening again.

We start with the government’s announcement about a so-called “homebuying shake-up”, which promises to make transactions cheaper and quicker. But in reality, it’s just shifting who pays for what – sellers will now front the cost of searches and surveys, while lenders and conveyancers continue to move at the same slow pace. If we really wanted to make property transactions faster, we’d create one live data room with all searches, title documents and reports in one place, so everyone works from the same information. That’s what we do in commercial, and it’s why our deals move faster.

Then we get into the main topic: what to do when your property just won’t let. If you’re not getting any bites, the market’s telling you something needs to change. I’ll walk you through the short-term steps that make a difference right now – refreshing your listing, improving presentation, motivating your agents, and adjusting your incentives – as well as the long-term strategies that prevent repeated voids, like designing flexible layouts, lining up a letting plan before completion, and building momentum across your portfolio.

Empty units happen to everyone, but the key is to act fast and stay visible. Let properties, let property.

Listen now at ncrealestate.co.uk/podcast or book a call with my team at ncrealestate.co.uk/bookacall.

I don’t know about you, but I get so frustrated waiting for those search emails to land in my inbox. By the time they do, everyone else has already seen the deal.

So this week, I decided to flip the script. I gave myself 15 minutes to go out and actually find a property. No waiting, no alerts — just me setting some quick criteria, jumping on the portals, and running the numbers.

In this episode, I take you through that exact process — and by the end, I had a real live property in Frome that came in at over 8% gross yield.

Here’s what I cover:

• Why search emails make you passive.

• How I set my investment criteria in minutes.

• Where I went to search for live deals.

• My quick yield calculation and how I ruled out the non-starters.

• The deal I landed on in Frome, and why it stood out.

• The key questions I’ll be asking the agent next.
  

Takeaway: You don’t need to wait around for deals to find you. With just 15 focused minutes, you can be looking at a property worth chasing.

If you’d like help building a repeatable system for finding and analysing commercial property deals, book a call with me and my team at NC Real Estate: https://ncrealestate.co.uk/bookacall

Repairs and service charges aren’t glamorous, but they’re essential to successful commercial property ownership. When I manage them well, my buildings stay safe, compliant and profitable. When I don’t, things unravel fast.

In this episode, I share how I deal with repairs and service charges, and what you should be looking out for in your portfolio.

I explain the difference between FRI and IRI leases and why it’s a myth that only the top floor pays for the roof or the ground floor pays for pest control — everyone benefits from a safe, dry building, so everyone contributes.

I also break down a typical service charge budget:

• Soft services: cleaning, refuse, pest control

• Hard services: fabric repairs, emergency lighting, fire alarms

• Utilities: communal electricity, water, reserve fund

• Management: accounting, risk assessments, management fees
  

I talk through how costs are usually apportioned — pro-rata by floor area or as fixed percentages set out in the lease — and why charging regularly, with reserves for bigger items, avoids nasty surprises.

If tenants don’t pay, landlords aren’t powerless: interest, debt recovery and even forfeiture are options. But the best outcomes come from following RICS best practice — resolving disputes quickly, correcting errors, and using ADR (Alternative Dispute Resolution) such as mediation or expert determination. The courts expect it under the Civil Procedure Rules, and it’s nearly always cheaper and faster than litigation.

👉 Book a call with me and my team at NC Real Estate to review your service charge budgets: CLICK HERE

Commercial property doesn’t always go the way you imagined. You buy with excitement, you celebrate completion... and then the problems start.

Tenants won’t surrender, service charge arrears mount up, dilapidations cost you thousands, or compliance curveballs hit. It's all gone wrong!

In this episode, Natasha Collins MRICS pulls back the curtain on what really happens when deals go wrong. You’ll hear:

• Why every investor should set up a “5% buffer” today
• The sparkle of research VS the reality of ownership
• Real-world case studies: tenants who won't surrender, dilapidation bills you didn't budget for, service charge shortfalls, and finance/compliance knocking your cash flow sideways!
• A clear framework for responding without panic
• And when to just walk away

Because one bad deal doesn’t mean you’ve failed. It just means you need the right plan to turn it around!

Ready to talk through your own situation? Book a strategy call with NC Real Estate here.

Ever wondered how I personally invest my own money?

In this episode, I’m taking you behind the scenes of my investment strategy and showing you where commercial property fits into the bigger picture. Think of it as a back-to-school lesson plan for building a balanced portfolio that reflects both your goals and your lifestyle.

Here’s what you’ll hear:

• Stocks & Shares ISA and “fun” stock picks – why I use them as a supporting layer, and the playful way I buy YSL shares instead of handbags.

• My SSAS Pension – how I structure it, why it’s my main savings vehicle, and the story of the red telephone box that generates monthly rental income inside my pension.

• Stocks & REITs inside the SSAS – from global trackers like the S&P500 to UK property companies, including Land Securities (and why buying those shares was personal).

• Property outside the pension – the reality of residential vs commercial returns, plus what I learned from a refinancing challenge.

• The full picture – how commercial property sits at the centre of everything, supported by stocks, ISAs, and small, fun investments.

By the end, you’ll see why I believe commercial property is the cornerstone of a strong, long-term investment strategy — and how you can start thinking about where it might fit into yours.

If this episode feels like a crash course, then my Back to School Training is the full lesson plan. Join me there and I’ll walk you step by step through how to strengthen your own portfolio with commercial property.

👉 Link to sign up for the training

When it comes to the economy, the news can feel overwhelming. One day it’s good, the next day it’s doom and gloom. A recent poll reported that 71% of Brits believe the economy has worsened since Brexit, and 77% say their cost of living has gone up. No wonder so many investors are feeling uncertain.

Link to the Huff Post Article 

In this episode of The Honest Property Investment Podcast, I break down what all this really means for commercial property investors. I share:

• Why the economic climate feels so confusing right now

• The external forces that actually impact your portfolio (and the ones that don’t)

• How to filter out the noise so you can make clear, confident investment decisions

• A simple action item you can use this week to cut through uncertainty
  

If you’ve been holding back because of market worries, this episode will help you focus on what truly matters.

And if you’d like to go further, my Back to School Training will walk you through how to filter the noise, identify opportunities in the current market, and set out your commercial property strategy for the next 12 months. You’ll find more details in my newsletters this week, or you can secure your place now through the link in the show notes.

Buying a commercial property is exciting — but it’s also scary. What if you overpay? What if there are hidden costs waiting to bite you later?

In this episode, I share the two essential steps you must take before you commit to buying, so you can protect yourself from nasty surprises:

• ✅ Why you should always commission two valuations — one at market value and one at vacant possession.

• ✅ What a building survey really tells you (it’s not just about defects — it’s about who pays for them under the lease).

• ✅ Why spending up to £5,000 on due diligence can save you tens of thousands in the long run.
  

By the end, you’ll know exactly how to avoid overpaying and how to make sure you don’t get caught with unexpected bills.

We’re going Back to School at NC Real Estate with a brand-new 3-part live training series for commercial property investors:

Back to School: Finance, Tenant Demand & Systems for Commercial Property Investors

• 📌 Session 1: How to structure finance more creatively

• 📌 Session 2: How to prove tenant demand in any market

• 📌 Session 3: How to systemise your portfolio so it runs smoothly (without burning you out)
  

👉 Early Bird tickets are just £199 + VAT if you book before Wednesday 27th August. After that, the price rises to £299 + VAT.

🔔 Back to School Training — September 2025

Bridging finance, refinancing, and VAT are some of the most misunderstood areas in commercial property investment. Whether you are unsure about when to use bridging, how refinancing actually works, or why VAT is sometimes charged on commercial properties, this episode breaks it down in plain English.

By the end of the episode, you will have the clarity you need to make better decisions on your deals — and you will see why VAT is not as complicated as it first appears.

What You’ll Learn in This Episode

• How bridging, refinancing, and VAT all fit together in structuring commercial property deals.

• What bridging finance is, when to use it, and the pros and cons.

• Why investors refinance, how lenders assess deals, and how refinancing links to bridging.

• When VAT applies on commercial property, whether tenants mind paying VAT on rent and service charges, and why VAT can actually be beneficial.

• How VAT registration works: the 40 business day timeline, who can register (individuals, SSAS, companies), and why registration applies only to the property rather than your entire portfolio.
  

Want to get on our newsletter list so that you hear about the September Back to School Masterclass series? Email hello@ncrealestate.co.uk and we'll get you registered.

 On 7th August 2025, the Bank of England cut the base rate to 4% — a move that’s already sparking questions from commercial property investors. Prime yields often move in line with the base rate, and with yields tightening, is now the right time to buy… or should you wait?

In this episode of The Honest Property Investment Podcast, I break down:

• What the rate cut means for prime yields

• Why tighter yields can make deals more competitive

• How to approach investing when borrowing is cheaper but returns are slimmer

• The value-add strategies that still make sense in this market — including ESG upgrades
  

Whether you’re actively looking for your next deal or just keeping an eye on the market, this episode will help you decide how to position yourself for the months ahead.

Links & Resources:

• Book a strategy call
  

• Free investment calculator

  Take the quiz

One of the biggest fears I hear from commercial property investors is, "What happens if my tenant stops paying rent?" It’s a worrying situation, but there are clear steps you can take to protect yourself and your property.

In this episode, I walk you through exactly what to do if a tenant stops paying rent:

• The crucial first step you must take before you even contact the tenant.

• When (and how) to use forfeiture – and why timing matters so much.

• How the Commercial Rent Arrears Recovery (CRAR) process works and when it’s appropriate.

• Other legal and practical options for recovering arrears.

• Negotiation strategies that can help you protect long-term income and property value.

• How to reduce the risk of rent arrears in the future.
  

Whether you’re new to commercial property investment or have been at it for years, this episode will give you the clarity and confidence to deal with rent arrears the right way.

Resources & Links Mentioned in This Episode:

Need help dealing with rent arrears? Book a call with me and my team at NC Real Estate – we’ll help you work out the best next steps.

Understanding the legal terms in commercial leases is essential for protecting your investment and avoiding costly surprises. In this episode of The Honest Property Investment Podcast, I break down the key sections of typical Heads of Terms and explain what each one means in plain English.

Whether you're negotiating your first commercial lease or adding to your portfolio, this episode will help you feel confident about what you’re agreeing to.

• What Heads of Terms are and why they matter in the leasing process

• The most important clauses you must understand before signing, including:

  • Rent, rent-free periods and rent reviews

  • Break clauses and how to use them effectively

  • Full Repairing and Insuring (FRI) leases and what they mean for you

  • Permitted use and alteration clauses

  • Reinstatement and dilapidations obligations

• Which clauses could save (or cost) you money if you overlook them

• Take our free quiz: What Commercial Property Should You Buy Next?

• Book a call with the NC Real Estate team: ncrealestate.co.uk/bookacall

At NC Real Estate, we help commercial property investors build high-performing, income-generating portfolios that have the potential to increase their value — without the overwhelm.

If you enjoyed this episode, please:

• Follow The Honest Property Investment Podcast so you never miss an episode

• Share it with another property investor who would find it useful

• Leave a 5-star review – it really helps others find the podcast

What You'll Learn in This EpisodeResources and Links Mentioned in This EpisodeAbout NC Real EstateHow You Can Support the Podcast

You’ve found a commercial property. The yield looks decent on paper. But… how do you actually know if it’s good enough?

In today’s episode, I’m answering one of the most frequently asked questions from commercial property investors: How do I know if the yield is good enough to justify the investment?

I’ll walk you through:

• What yield really tells you – and what it doesn’t

• What factors influence whether a yield is “good” or not

• What I compare it to when analysing deals

• Red flags to look for when yields look too good

• And how to decide if a property is really going to meet your goals
  

If you’re relying on yield alone to make your decision, this episode will help you avoid some very expensive mistakes.

🎧 Listen now to learn:

• How to calculate Gross and Net Initial Yield

• The real difference between a 6% and an 8% yield

• When a high yield signals opportunity… or trouble

• What I tell my clients when they ask the same question
  

🔗 Links & Resources:

• Use the NC Real Estate Investment Calculator to test your numbers

• New to commercial property? Start here: Getting Started With Commercial Property
  

Book a complimentary strategy call: https://ncrealestate.co.uk/bookacall

If you’ve ever found yourself Googling commercial property investment and ending up more confused than when you started — you’re not alone.

In this episode, I’m cutting through the noise and showing you what actually matters when investing in commercial property. I’ll walk you through the exact process I use with my clients to move them from feeling overwhelmed to confidently investing — no hype, no jargon, just straight-talking advice that works.

Here’s what I cover:

• Why there’s so much conflicting advice out there — and how to spot what’s worth listening to

• What really matters when you’re buying commercial property

• The 5-step method I use with clients to help them focus, take action, and invest with confidence

• Real client stories (like Luke and his industrial strategy) that show how getting clear leads to results
  

🔗 Links & Resources:

• 🎯 Take my free quiz Find out your next step on your commercial property investment journey: https://nextcommercialproperty.scoreapp.com/
  

• 📞 Book a free call with my team Want to invest confidently and know what to focus on? Let’s chat: https://ncrealestate.co.uk/book-a-call
  

• 🛠️ Explore my tools, podcast archive, and client resources https://ncrealestate.co.uk
  

• 📲 Follow me on Instagram for more behind-the-scenes insights and tips: https://www.instagram.com/ncrealestateltd/
  

• 💼 Connect with me on LinkedIn https://www.linkedin.com/in/natashacollinsncre/
  

If you enjoyed this episode...

Please rate, review, and share it with someone else who’s been stuck in the overwhelm. The more investors who find honest advice that works, the better our industry becomes.

Download the notes for this weeks podcast HERE

Access the What commercial property type to buy next quiz at ncrealestate.co.uk

Listen to Marks podcast episode HERE

What You’ll Learn:

• Why there’s no universal “best place” to invest—and how to find the right one for you

• How to align your strategy, goals, and property type with the right location

• Where to research local tenant demand and market trends

• Tools and techniques for identifying opportunities on and off market

In this week’s podcast, I discuss how to choose the right location for your next commercial investment, including what data to review, how to read market signals, and how to spot areas with strong occupier demand.

I'm sure you've seen the memes... this week I'm going through all the recession indicators I've seen in the commercial property market.

If you've seen any, I want them in the comments section please, the weirder the better!

This is a controversial topic... mainly because of the speed that you work at and what is going on in your home life.

This week I go through what works for me to create space in my life to continue to invest in commercial property.

If you would like help with this please book a call with my team HERE.

The audio is really off this week, I'm sorry about that!

However, the message is really important. This is exactly how to build and keep credibility with agents as a new commercial property investor.

Book your complimentary call to discuss buying your next commercial property HERE

What You’ll Learn:

• A full walkthrough of the commercial property buying process from start to finish

• How to set investment goals, analyse deals, source finance, and negotiate offers

• What to expect during the legal process and how to stay in control

• Tips for derisking each stage of the journey
  

In this week’s podcast, I discuss the complete step-by-step process of buying commercial property—from setting your yield targets to completing the deal—so you know what to expect and how to keep your strategy on track.

This week is part 4 of the crossing over to commercial property series.

I went through what it takes to get commercial property finance for new investors on THIS PODCAST

Today I go through the methodologies for calculating the lending valuations... and I give you the exact formula for vacant possession value.

If you want to take this one step further and discuss your commercial property goals, you can book a call with us HERE

Book a call with the team HERE to discuss your commercial property strategy.

What You’ll Learn:

• The benefits of commercial property, including higher yields and tenant-paid expenses

• How commercial leases give you more income stability and better legal protection

What You’ll Learn:

• Why residential and commercial property require totally different investment mindsets

• How lease terms, tenant relationships, and responsibilities differ

• What shifts you need to make to treat commercial property as a business

• The role of professionals in a commercial portfolio
  

In this week’s podcast, I discuss the key differences between residential and commercial property, including how they’re managed, how income is generated, and what mindset you need to succeed in the commercial market.

This week I'm discussing a major problem area for first time commercial property investors... lending.

I discuss the difference between market value and vacant possession value. How to work out what vacant possession value is (roughly) and what to expect when getting commercial lending for the first time!

This week I discuss how to put together a winning investment strategy and how I use my SSAS to add to this investment strategy.

Jump to about 9 mins in if you want to skip me talking about selling my Charleston property and the mortgage implications there!

I've finally finished my remortgage and the cost of remortgaging a property and borrowing £183,750 was wild... think tens of thousands.

In this podcast I talk through the REAL cost of remortgaging a Commercial Property and how I'd do it better!

This week I'm discussing the exact steps I take to build my commercial property investment strategy and how you can too in 20 minutes!

If you want to overcome learning curves in commercial property investment you can buy the book Confident Commercial Property HERE

This week I'm answering another one of my listeners questions 'How do you Find the Right Properties in Commercial Property and Overcome Common Hurdles?' once you overcome the hurdles you'll find the right property so I've chosen the top 5 hurdles I see with investors and how to overcome these to successfully buy your next commercial property investment.

Remember I'm hosting a webinar on the 12th March about what's happened to commercial property in Q1 2025, you can register HERE.

This week I discuss how to split commercial properties to maximise value... no I'm not talking commercial to residential conversion.

If you want to join the webinar the link is HERE

This week I discuss the Renters' Reform Bill AGAIN... seriously its not scary, read THIS . Plus how to connect with agents to secure deals in commercial property.

Sign up to the 12th March webinar - https://ncrealestate.co.uk/webinar-120325

This week I discuss using Chat GPT prompts to help you find the right search location. for your next commercial property purchase.

In this week’s podcast, I’m breaking down9 key ways to reduce void risks

The truth is, businesses are always evolving, expanding, and relocating. Thereare tenants out there – you just need to know how to find them and minimise downtime between lets.

Listen now to discover how to keep your commercial properties tenanted and profitable.

I started the conversation this year about building wealth outside of commercial property and I had A LOT of feedback asking for more conversations about this . So I'm finding complementary investments that work well with commercial property investment.

To start this series I invited Manish Kataria onto the podcast to discuss his Set and Forget investment method.

We cover:

• What does ‘set it and forget it’ investing mean?

• What are equities, ETFs, options, and bonds?

• Which of these investments work best for a ‘set it and forget it’ strategy, and how can you start?

• How do you figure out how much to invest each month?

• How can you estimate how much money you'll have by retirement?

  
  

  You can find out more about Manish HERE: http://www.investlikeapro.co.uk/

This podcast, "Understand the Top 7 Tips for Overcoming Time, Knowledge, and Opportunity Constraints in Commercial Property," explores practical strategies to help commercial property investors tackle common limitations that hinder success. From mastering time management and expanding your knowledge network to leveraging technology and building a trusted team, we provide actionable insights to empower you to overcome obstacles and thrive in the commercial property market. Whether you're a seasoned investor or just starting out, this episode will equip you with the tools to seize opportunities and achieve your goals with confidence.

If you want to fill in the survey on changes to the 1954 Act Part II, you can find that HERE the survey closes on the 19th February 2025

This week I celebrate some awesome start of 2025 wins and one annoyance (it couldn't be a podcast without a rant right) plus I decided what to do with my London property and how I'm growing my wealth this week.

I then move onto the top 5 commercial property risks and how to overcome them.

Happy 2025!

This week I discuss my realisation about how commercial property forms part of my wealth strategy... and the fact that its not going to be the only part of my 'wealth', how I'm calculating that and what the plan is.

Today I'm inviting Steve Wallis back onto the podcast to reflect on the predictions we made last year and to speculate on what we think 2025 is going to bring to the commercial property market.

If 2025 is your year for commercial property book a call with us HERE to see how we can help you.

SO turned out I didn't get 'Christmassed' this year and chaos ensued in the run up to the holidays...

I was prepped to record a Christmas Eve words of wisdom podcast with my Mum and instead I'd had a full day of everything happening at once. So I used the pod as an excuse for some Mum wisdom... I explained everything that was happening and asked for her advice.

We're talking

• Banks lending less than promised on commercial but more on residential
• Should I use additional lending to pay my tax bill?
• Can NatWest block payments from tenants I don't want to accept rent from?
• How to deal with last minute rent collection when I sound like I'm playing Christmas Scams
• Why my new lender 'Mr Cooper' left one of our properties uninsured.

Plus more things that happened along the way

This week I'm going through the top lessons I've learnt or been reminded of in commercial property in 2024 and how I'm taking this into 2025... its more about money / negotiating / leasing then anything theory related. Make sure you add these lessons into your commercial property knowledge base too!

This week I'm loosing my voice (again) so I'm sharing with you a case study from my client Helen Gill about two offers that were accepted on commercial property. One, Helen went through with, £228,000 for £22,000 worth of income (9.65%). The second was aborted. You'll find out why in the podcast.

This week I discuss exactly why commercial property is boring, trust me, the next full update you'll get on something I discuss on this podcast will be end of June 2026... why I lost my temper just before recording and what to do when you get that downer of a heritage consultant telling you all the things you can't do!

Long title for this weeks podcast, but with the Freehold and Leasehold Reform Act coming into full swing in 2025 I'm giving you a heads up from the commercial investor standpoint... and to be quite honest I'd be wary!