In today’s episode, I break down the Renters Rights Act, the biggest shake-up to the UK rental market in decades, and explain what it really means for HMO landlords.

This new legislation completely rewrites the rules for landlords, from the removal of fixed-term tenancies and Section 21 evictions to rent increases, pets, and the launch of a national landlord register. It’s a huge change that adds complexity and risk, but for those who understand it and prepare early, it also creates an incredible opportunity.

In this detailed breakdown, I walk you through the 11 key changes every landlord needs to understand, how they’ll affect your portfolio in practice, and the steps you can take now to safeguard your business and turn regulation into opportunity.

🎯 What You’ll Learn

• What the Renters Rights Act actually changes for HMO landlords
• How assured periodic tenancies will replace fixed-term tenancies
• What the end of Section 21 evictions means for possession and control
• How the new Section 8 grounds will operate in practice
• Why student landlords must rethink their tenancy cycles
• The new rules on rent increases, pets, and rent bidding
• How the Private Rented Sector Ombudsman and database will affect you
• What Awaab’s Law means for damp and mould responsibilities
• Why these changes will drive many landlords out and how to seize the opportunity left behind

If you’re serious about building, scaling, and protecting your HMO property business, this episode is essential listening. Understanding these changes now will give you a clear advantage and help you turn uncertainty into opportunity.

If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!

💻 Resources & Mentions

• Mentorship: Ready to take things to the next level? Apply to join my 1-2-1 mentorship programme here.
• The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.
• Facebook Group: Got questions or need support? Come and connect with 10,000+ investors inside The HMO Community here.
• Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.

In today’s episode, I break down the 14 key numbers every serious HMO investor should be tracking — the exact metrics that separate property owners from true property business owners.

Over the years, I’ve seen countless investors who know their rent roll but have no idea how their portfolio is actually performing. In this solo deep dive, I walk you through the essential calculations, from yields and ratios to returns and risk measures, that reveal how efficient, profitable, and resilient your business really is.

If you want to move from managing properties to running a professional property business, grab a pen and paper because this one’s packed with insight, examples, and actionable steps you can start using today.

🎯 What You’ll Learn

• The 14 must-know financial metrics for every HMO investor
• How to calculate and interpret gross yield, net yield, and ROI
• The difference between return on investment and return on capital employed
• How to measure efficiency with operating cost and gross-to-net ratios
• Why your debt service coverage ratio matters to lenders
• How to benchmark deals using cost per room and £ per square foot
• The simple occupancy formula that reveals the health of your portfolio
• How to make confident, data-driven decisions about your next deal

If you’re serious about building a real property business that performs like a business, not just collecting rent, this is the episode for you.

If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!

💻 Resources & Mentions

• Mentorship: Ready to take things to the next level? Apply to join my 1-2-1 mentorship programme here.
• The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.
• Facebook Group: Got questions or need support? Come and connect with 10,000+ investors inside The HMO Community here.
• Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.

Today I’m joined by Sam Carter of SJC Property Developments, who’s showing us that it’s absolutely possible to make property deals work—even in one of the most expensive parts of the country. Sam and his family are building a thriving business in Cambridge, and their latest project is nothing short of remarkable.

They secured a property that was originally on the market for £725,000 at a bargain price, applied a smart strategy with multiple exit options, and turned it into a deal that generated hundreds of thousands of pounds.

In this episode, Sam and I dive into exactly how they pulled it off, the key decisions that made this project such a success, and what it really takes to grow a profitable property business when many people insist the deals just aren’t out there.

So, if you’ve ever thought opportunities only exist in the cheaper parts of the country, this conversation will make you think again.

Here’s what we cover in the episode:

• 02:57 Sam Carter’s Background and Early Influences
• 05:47 Transitioning from Employee to Entrepreneur
• 14:44 Understanding Exit Strategies and Risk Mitigation
• 20:54 Dealing with Unexpected Challenges in Property Development
• 26:34 The Importance of Mentorship and Continuous Learning
• 32:49 Creative Strategies for Maximizing Property Value
• 35:42 Building a Personal Brand and Networking for Growth

-

Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!

Got any questions? Join The HMO Community on Facebook!

Connect with me on Instagram or Linkedin for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

In today's episode, we’re going to discuss the crucial aspects of risk management and exit strategies for your HMO business. Now, if you're a new investor, just embarking on this journey, you might be thinking that exiting them is not my priority.

However, hold that thought, because surprisingly, how you enter deals is intricately linked to how you exit them. So in this episode, we'll explore four essential considerations every investor should ponder when it comes to risk management and exit strategies.

Believe me, it will all come together. So whether you're at the beginning of your investment journey or a seasoned pro in need of a refresher, don't go anywhere.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

In this episode, I'm thrilled to have HMO community member John Orr joining us today. He's got three insightful questions lined up, focusing on overcoming objections in planning, dealing with neighbours, and engaging with investors.

During the mentoring session, John asked the following questions:

• Ways of potentially shortening the process, including all the behind-the-scenes legislation, etc.
• How best to try and get neighbours onside and minimise complaints/objections.
• Selling the concept of silent investing in such projects to investors.

My aim is not only to provide valuable advice for John but also to share insights that can benefit you.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

In this episode, we'll discuss the entrepreneurial mindset, focusing specifically on 10 methods that can be mastered for better results.

I believe there's a distinct difference between property investors and property entrepreneurs. Personally, I align more with the latter. It took me over a decade to recognise this distinction, but when I did, I embraced it wholeheartedly. The characteristics and traits I'm about to share in today's episode played a pivotal role in my journey.

Once I accepted this entrepreneurial identity, I began to lean into it. Building a network of like-minded individuals around me, I found a supportive community that elevated my efforts. Consequently, I achieved better results and experienced greater satisfaction throughout the process.

By sharing these insights with you today, I hope that if you resonate with any of these aspects, you can also do the same.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

In today's episode, we’re joined by Jessica Leader from Next Level Living, a property developer with a track record dating back to 2017. 

Her expertise lies in acquiring dilapidated properties, strategically developing them to unlock their full potential, and ultimately generating returns for her investors.

During our conversation, we'll delve into various aspects of Jessica's journey, exploring topics such as:

• Why she started investing in HMOs
• Insight into her approach of flipping houses to refinance HMOs 
• Valuable tips on navigating and mitigating risks when acquiring properties
• Guidance for those interested in buying properties at auctions.
• A comprehensive case study featuring a 7-Bed Professional HMO.
• The crucial role of hiring an expert to overcome planning challenges.
• Advice for property investors 

So whether you're just getting started or if you're an established investor who's scaling things up, this episode is a must-listen.

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

In today's episode, we have a crucial topic to discuss because we're going to delve into the five factors that could spell disaster for your HMO business. These aren't just minor hiccups; they have the potential to completely implode your hard-earned venture.

Now, that might sound daunting, but it's essential to understand this, and I've witnessed these issues befall countless individuals in the HMO industry, and it's disheartening to see promising businesses crumble.

The silver lining here is that these pitfalls are avoidable with the right knowledge and strategies. Whether you're just starting out in the HMO business or you're a seasoned investor, this episode is a must-listen.

Below are links to episodes referenced in this episode:

Episode 206 - Incredible Proof That 100% Hands-Off Property Investment Can Work With Samuel Hemmings

Episode 207 - Financial Planning for Your HMO Business

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

Today, I'm joined by Mark Alexander, a good friend of mine and the proud founder of Property118, a platform for landlord tax planning, property investment news, and discussions in the UK.

With an impressive 36 years of experience in property finance, tax, and law, Mark joins us to share some incredible insights. In our conversation, we delve into:

• The story behind his incredibly successful lending company and the subsequent creation of Property118
• Mark's triumphant legal battles against mortgage companies
• His experience managing a portfolio of over a hundred properties and the reasons behind his strategic reduction
• The long-term tax implications of property portfolio development
• Understanding the concept of a family investment company
• The importance of tax planning
• Mark's invaluable advice for property investors navigating the current market's challenges.
• The future of the Private Rented Sector (PRS) and the evolving landscape of property investments.

If you're eager to be inspired by Mark's journey and gain valuable insights into thriving in the UK property business, this episode is an absolute must-listen.

Want to discuss tax planning? Email us at info@thehmoroadmap.co.uk, and we’ll connect you with Mark and his team.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

In today's episode, I'll be sharing the exact method I used to stack every single rent-to-rent deal that ultimately allowed me to build a successful business. In fact, I was able to sell this business as part of my investment and management portfolio earlier this year.

Now, while I'll cover only a portion of what rent-to-rent entails in today's episode, getting this part right is crucial. It's the foundation for creating a thriving business that generates substantial monthly cash flow. This can be your launching pad to achieve even greater success in the property market.

So, if you're intrigued by the potential of rent-to-rent or if it's already on your radar, whether you've just started or are considering it, you're in the right place. 

If you want to download my R2R deal stacker template, agreements, and more, subscribe as a Premium member of The HMO Roadmap here.

Or, if you want R2R-specific 1-2-1 mentorship, contact our award-winning R2R Mentors Joe and Olivia here.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

Do I need an architect for my HMO project?

This question comes up frequently, and the answer varies depending on factors like your experience, project type, and more. So in this episode, I'll guide you through a five-step process to help you understand how an architect can assist you.

By the end, you'll be better equipped to make an informed decision about whether to engage an architect for your project or not. If you have a project in the pipeline or one already in progress, this episode is a must-listen. 

If you’re interested in discussing your HMO design and architecture needs, you can contact Andrew and Mary here.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

In this episode, I'm excited to be joined by a dear friend of mine, Ryan Gallace of Gallacom Property, the person who acquired my investment and management business.

Ryan boasts a wealth of experience as both an investor and an entrepreneur. In this conversation, he generously shares his journey and insights into successfully scaling property businesses.

During our discussion, we'll delve into the following key points:

• Ryan's background and the path that led him to become a property investor
• The advantages of purchasing an existing business compared to starting from scratch
• A detailed look at the process involved in acquiring an existing business
• The nuances of managing Student HMOs versus Professional HMOs
• Ryan’s advice for people who are just getting started

Join us for another value-packed conversation as we explore Ryan's remarkable journey and gather valuable insights into the world of HMO property investment and entrepreneurship.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

Today's episode is a unique business update as we kick off our 10-week trip, a long-anticipated journey that embodies the purpose behind my hard work, sacrifices, and commitment in building businesses.

I'm pretty sure that most of you listening today share a deep sense of purpose driving your property investments, business ventures, and relentless efforts. Our 10-week journey is a once-in-a-lifetime experience for us, representing a significant milestone in my career. It's the result of years of hard work and dedication, positioning our businesses to a point where Gemma and I can comfortably take this trip. I'm immensely proud of what we've achieved to afford this opportunity.

If you're curious about our trip and eager to catch up on the latest in my businesses, stay tuned. It's been another eventful month with its share of highs and lows, so don't go anywhere.

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

In today’s episode, I’m sitting down with Kazy from Property by Kazy for a no-holds-barred conversation about my journey in property and what it’s really taken to build the businesses I have today.

We cover it all—the hard truths, the challenges I’ve faced, the mistakes I’ve made, and the realities that don’t often get talked about. But it’s not all doom and gloom—we also dive into the exciting opportunities ahead for property investors and why, despite the ups and downs, this journey is worth it.

This is my unfiltered take: the highs, the lows, and everything in between. If you’re building your own property business and finding it tough, maybe slower than you’d like, I think you’ll take comfort in knowing you’re not alone—and that you’re probably doing exactly what you should be doing.

Hopefully this episode inspires you, motivates you, and above all, keeps it real. From the very beginning of my story right through to my latest deals, this is the most complete picture I’ve shared of my journey so far.

Here’s what we cover:

• 02:54 – Understanding HMOs, The Student Market and Its Benefits
• 15:15 – Systemisation in Property Management
• 18:58 – Building a Property Portfolio
• 24:05 – Transitioning to Education and The Value of Mentorship
• 33:08 – Commercial Valuations and Market Risks
• 37:54 – Common Mistakes in HMO Investing
• 39:42 – Current Projects and Future Goals

-

Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!

Got any questions? Join The HMO Community on Facebook!

Connect with me on Instagram or Linkedin for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

Today, we have Ellie Broadhurst, our expert  broker from The HMO Roadmap, back to our show and we have some exciting topics on the agenda today. 

We'll dive into the recent positive developments in inflation data, discuss the Bank of England's decision to maintain the base rate, and explore how lenders are reacting to these changes and what they mean for all of us.

But that's not all. We'll also be delving into the intriguing world of commercial valuations. It appears that there may have been some noteworthy shifts in how valuers calculate these figures, and we're eager to get Ellie's insights into what's happening in the market right now.

Note: This episode was recorded on September 22, 2023.

Be sure to listen here or watch episode 101 here where Ellie discussed How To Calculate The Commercial Valuation Of A HMO.

If you’re Interested in discussing your HMO mortgage and finance needs, you can also contact Ellie Broadhurst here.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

In this episode, I'm excited to bring you another mini-mentoring session featuring Dan Morehen, a US Property underwriter by trade who started investing in property 5 years ago.

Dan, a property investor and a member of The HMO Community, our thriving Facebook group, volunteered to participate in a mini-mentoring session with me. He sent over these three questions below, and I'll do my best to provide valuable advice to help him with his HMO property business.

• What's the best way to scale the business to transition into full-time property?
• Is it still attractive to leave a corporate job with benefits such as pensions and private medical perks?
• What are your tactics for countering higher interest rates?

By addressing these questions, the goal is to equip you with practical advice and ideas that you can implement to start or scale your own HMO property businesses.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

What makes a good deal right now?

In this episode, I want to redefine what profit means for HMO property investors right now. With inflation spiraling, costs soaring, and interest rates rising, we're left wondering whether investing in HMOs is still the right thing to do but one thing is for sure, profit margins have changed. 

If you're actively investing in HMOs and would like to know what makes a good deal right now and some ways to reduce costs, this episode is one you won't want to miss.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

There are so many moving parts to growing and running a property business, and it seems that the more you grow, the less time you have, and the harder it becomes to continue growing your property business.

So, in this episode, I’m excited to introduce Jane Scroggs, the driving force behind Beam, a dynamic team of property virtual assistants based in the UK. They handle all aspects of lettings admin, compliance, and optimising portfolio operations for their property investor clients.

We’re going to discuss some important topics, including:

• How hiring a Property VA can help landlords and developers.
• The common pain points and struggles of property investors.
• The real value of outsourcing and delegating.
• What you need to prepare for when hiring a VA.
• Pros and cons of hiring a VA from an agency.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

In today’s episode, I'm going to lay out the five absolute essentials that should be at the top of your checklist when you're starting an R2R business.

These aren't just nice-to-haves; these are the non-negotiables that can truly shape the destiny of your R2R business. If you're already on this exciting path, don't worry – it's never too late to ensure you've got these tools in place.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

In this episode, I'm joined by a good friend of mine, one of my longstanding mentees, and a previous guest on the podcast: Jonny Stockwell of Crockwell Properties.

We're going to discuss some of the issues he's had to face and overcome, specifically regarding planning permission and the Article 4 direction in the areas where he invests. Our conversation will cover:

• The frustrations and challenges faced by HMO investors due to unclear regulations and inconsistent enforcement in Article 4 areas.
• The need for caution when making planning requests.
• The importance of educating yourself and all parties involved in the process
• How the Article 4 regulations have impacted Jonny’s investment strategy.
• The significance of hiring a planning consultant with expertise in HMOs and local regulations.
• Why Jonny continues to invest in Article 4 areas despite the difficulties.

If you're either applying for a change of use yourself or considering making changes to a property within an Article 4 direction, this episode is one you definitely don't want to miss.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

In this episode, we delve into the recent increase in the base rate, marking the 14th consecutive rise. Currently standing at 5.25%, this change has significant implications for HMO property investors like you.

To shed light on this matter, we've invited Ellie Broadhurst, our go-to specialist mortgage broker at The HMO Roadmap.

Ellie breaks down the base rate increase and explains how it could impact your borrowing costs and investment strategies. 

But that's not all – we're also addressing an issue hitting close to home. Have you noticed changes in the way lenders approach their due diligence process?

I’ll be sharing my own experiences and concerns, and Ellie provides invaluable insights into what's driving these changes and how they affect investors who rely on private finance to fund their deals.

Whether you're in the midst of a purchase or gearing up for a refurbishment project, this episode could be helpful in preparing you and aiding you in making an informed decision.

Interested in discussing your HMO mortgage and finance needs? Contact Ellie Broadhurst here. 

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

Are you at the beginning of your HMO journey but feeling unsure and overwhelmed?

In today's episode, I want to share the six most important things you need to nail if you're getting started with HMOs. These steps are crucial for building a strong foundation and setting yourself up for success. 

We’re going to talk about:

• The importance of understanding HMOs
• Finding the right property
• Legal requirements and planning permissions for HMOs
• Financing HMOs
• Renovation and conversion strategies for HMOs
• Finding and managing HMOs

Now, keep in mind that this episode is an overview. To really master each aspect, you'll need to dig deeper and explore more resources. The good news? There's a wealth of tools and information available to fine-tune your HMO strategy. 

By the end of this episode, you'll feel more confident and ready to take that leap of faith. Let's get started!

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

Supported living isn't necessarily the first thing that comes to mind when we think of HMO investment but what if I told you that you could potentially double your profits from the same properties by following this model?

In this episode, I'm excited to be joined by Chris McDermott, one-half of NW Living together with his partner Cat. 

NW Living specialises in converting neglected properties into high-end accommodations for Supported Living providers. Over the last 5 years, they have successfully built a lifestyle business that allows them to prioritise family time alongside their passion for property development.

During our conversation, Chris and I discussed:

• The story behind their passion for HMOs
• How they transitioned from professional lets to supported living HMOs
• The challenges and learnings in doing supported living HMOs
• The Importance of making the right connections with charities and asking the right questions when getting finance
• Compliance constraints you need to be aware of when working with charities

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

In this episode, we're diving headfirst into a topic that's on the minds of every HMO business owner: how to boost profits. 

Now, I know what you're thinking—I hear you loud and clear. Interest rates are climbing, inflation is soaring, and the costs of gas and electricity are through the roof. We're facing a cost of living crisis, and it feels like we're swimming against the tide.

But here's the thing—I get it. We can't control those external factors. We can't magically make interest rates drop or inflation disappear. But what we can do is focus on what's within our power to shape: tenant satisfaction and tenant retention. These two factors are intertwined and can be game-changers for your business.

I know there's more to profitability than just tenant satisfaction and retention, but let's zoom in on these areas today. I'm going to share five ideas with you. Some might sound familiar, but maybe you haven't given them enough attention lately. And hey, there might even be a couple of new ideas that you could use.

So, get ready to take notes and I guarantee it, If you take them seriously and put them into action, you'll see the difference.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

Today, I’m joined once again by a familiar face on the podcast — Rebecca Alcock. You might remember Rebecca from our January episode. She’s a former mentee of mine who, alongside her husband Jolly, has gone on to achieve some incredible things in the HMO world.

This time, Rebecca’s back with some very exciting news to share. I won’t spoil the surprise just yet, but I was keen to dig into exactly how she’s built such success, the challenges she’s overcome, and the strategies that have worked for her.

Whether you’re just starting your HMO journey or looking to scale but finding it tough, there’s a lot to take away from Rebecca’s story, methods, and approach. 

Here’s what we cover:

• 05:43 - Long-Term Vision and Diversification
• 08:52 - Managing Challenges and Chaos
• 11:48 - Transitioning from Corporate to Property
• 14:56 - Overcoming Time Constraints and Prioritising Goals
• 20:36 - The Role of Accountability and Mentorship
• 23:30 - Navigating Information Overload

If you want to join Rebecca’s 1-2-1 mentoring program, you can enquire here.

-

Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!

Got any questions? Join The HMO Community on Facebook!

Connect with me on Instagram or Linkedin for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

Today, we delve into the fascinating story of Savoys Properties with Malkit Purewal. Malkit, along with his partner Sanjay, has captivated my attention for years with their impressive business growth and groundbreaking projects.

During our conversation, Malkit and I discussed:

• The story behind Savoys Properties and its success.
• The importance of building relationships with people.
• A behind-the-scenes look at the challenges they faced.
• His thoughts on the future of the property industry.
• His advice for young property investors.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

Are you prepared to enter a recession?

In this episode, we're going to talk about recession-proof strategies for HMO property investors. Now, I don't want to be known for scaremongering, but I want to ensure that I'm prepared if we do go into a recession. And let's be honest, things look a little bit dicey out there at the moment.

So today, I've got nine strategies that will help you navigate through a recession, if that is ultimately what happens.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

Can you believe we're already halfway through 2023? In this episode, we're going to do a deep dive into the goals and targets set at the end of last year.

We'll also discuss the latest economic challenges, such as inflation and the Bank of England's response. Discover how these factors have impacted my business and the strategies I've implemented to navigate through these uncertain times.

And as usual, I'll provide updates on what’s happening in my businesses especially as we approach the student changeover, and share valuable lessons learned along the way.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

Today, I'm thrilled to have Ellie Broadhurst, our expert broker from The HMO Roadmap, join me for an important discussion. We'll be diving into the effects of interest rates, inflation, and the current state of the property market.

Ellie's expertise will help us provide you with a clear understanding of what's happening and ensure you're equipped to manage your expectations. In times like these, it's natural to feel anxious, but remember, we're here to alleviate those anxieties and empower you to make informed decisions.

Our primary goal is to offer practical strategies that can help you navigate this uncertainty. We know these challenges can be overwhelming, but rest assured, by the end of this episode, you'll feel more prepared and confident in your ability to tackle whatever comes your way.

Interested in discussing your HMO mortgage and finance needs? Contact Ellie Broadhurst here. 

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

In this episode, we're excited to bring you another mini-mentoring session featuring Swarren Samra, a budding property investor. 

Despite being relatively new to the field, Swarren has already accomplished an impressive feat: successfully transforming a 3-bedroom property into a 5-bedroom HMO tailored for working professionals. Currently, he's actively engaged in his second project. He shared three thought-provoking questions with us, and I’ll do my best to provide invaluable advice to support him in achieving his big goals.

During our mentoring session, Swarren raised the following questions:

• “I have 3 potential investors. One is looking at a joint venture partnership, another at an actual return on their investment. Finally, the third has requested an earn-and-learn type model. How do I structure these deals and what legal documents or considerations must be implemented to ensure each is satisfied with the outcome?”

• “When I am able to onboard an investor for a particular project, what are my options if the investor is adamant they want their money back early? How can these situations be handled, and have you experienced this before?”

• “I am working on 2 and 3-bedroom properties and converting them into 5 and 6-bedroom HMOs. I have a strong desire to move into larger properties and developments. What are the thought processes behind converting a large building into a 10 or 12-bedroom HMO Vs 4 or 5 flats? How do you differentiate which is the best way to go?”

By addressing these questions, our aim is to equip our listeners with practical advice and effective strategies they can implement to kickstart and expand their own HMO property businesses.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

In this episode, we dive into the often overlooked but crucial aspect of financial planning for your HMO property business. While it may not be the most glamorous side of property investment, it is an essential part of what we should all be doing, yet many of us fall short in this area. We will cover the following topics:

• Basics of financial planning
• Setting financial goals
• Budgeting
• Cashflow management
• Profit and loss forecasting
• Finance and investment reinvestment
• Risk management contingency and planning
• Tools and software for implementation and management

Whether you're a seasoned investor or just starting out, this episode will provide you with practical strategies that you can implement right away. 

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

Can 100% hands-off property investment really work? 

In this episode, I'm thrilled to have Samuel Hemmings from HemCo Property Investments as our guest. Samuel is a British national residing in Amsterdam with his family, actively investing in the UK. 

During our conversation, Samuel and I explored a wide range of topics, including:

• Samuel’s experience in running and improving complex operations of start-up companies
• His first property investment and the reason behind his choice to invest in HMOs
• His meticulous process and criteria for selecting investment locations
• The inherent challenges of remote investing
• His tips and advice for aspiring remote property investors

Plus, we delved into a unicorn case study showcasing an all-ensuite 6-bed student HMO with a 1-bed apartment.

If you're eager to learn the ins and outs of remote and hands-off investment strategies, this episode is an absolute must-listen.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

The long-awaited Renters Reform Bill has finally been published and is now making its way through Parliament. This is a substantial document with a lot of information to digest. 

However, I have taken the time to thoroughly review it, and today, I will highlight some of the most important aspects that, as HMO property investors, we need to be aware of and start considering.

Overall, I believe this bill is not particularly favourable for landlords. While there are a few positive aspects that we will touch upon, it largely seems to favour tenants. Therefore, we need to understand and adapt to these changes. We will also discuss actionable steps that we can take in response.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

In this episode, we're shaking things up a bit on the show as I'm joined by Matt Lester. 

Matt, a property investor and a member of The HMO Community, our thriving Facebook group, eagerly volunteered to participate in a mini mentoring session with me. He sent over three questions, and I'll do my best to provide valuable insights to help him with his HMO property business.

During the mentoring session, we tackled these questions:

• Are HMOs more challenging to execute in the South of England?
• What level of value uplift is required for the refinancing and scaling model to be effective?
• How can first-time investors obtain commercial valuations?
• What criteria should one consider when sourcing potential HMO areas?
• How can one determine if an area is family-friendly and unsuitable for HMOs based on council preferences?
• Do HMOs with seven or more occupants require seven parking spaces, or can proximity to transportation options suffice?
• Tips for approaching friends, friends of friends, and family members who might be suitable investors.

By addressing these questions, we aim to equip listeners with practical advice and strategies to start and scale their HMO property business.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

In today's episode, I will discuss three common mistakes that new renters and operators often make. These mistakes can prove fatal to their business, and hence, it is essential to know about them and avoid them.

As someone who started building their rent-to-rent business in 2016 and scaled it across cities like Leicester, Sheffield, and Manchester, I have a soft spot for rent-to-rent. However, these mistakes are not exclusive to rent-to-rent. People often make them when buying HMOs for themselves.

The rent-to-rent business is unique because of its sensitive numbers and thinner margins. Making these mistakes in this business can prove challenging and sometimes even impossible to recover from. 

So in this episode, I will discuss these mistakes so that you can avoid them and secure the success of your R2R business.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

Emma Estill and her husband Dan from Stylish Living started their property journey in 2019 with simple three-bed terraces. Just a few years later, they’re developing £3 million sites, running their own build team, and managing multiple businesses in property.

In this episode, Emma shares how they scaled through challenges, stayed family-focused, and built success by taking on tough projects. We’ll also discuss their standout deal — a derelict nightclub with planning and access issues that most investors avoided. They transformed it into a property generating over £12,000 net per month.

Tune in to hear Emma’s journey, the lessons learned, and why saying yes to the hard stuff can pay off big.

-

Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!

Got any questions? Join The HMO Community on Facebook!

Connect with me on Instagram or Linkedin for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

I'm thrilled to have my mentees, Joe and Olivia from JO Property Group, back on the show today. Their R2R management business has been growing rapidly with around 30 properties under their management. 

As their mentor, I have been closely involved with their progress, and I'm excited to share their latest business update with you. 

During our conversation, we covered a range of topics including:

• How they discovered the R2R business model
• How they started their R2R business
• The amount of capital they invested at the start
• What are their long-term goals 
• How do they find and secure deals
• The role of mentoring in their success

Whether you're contemplating starting an R2R business or looking to improve your existing one, this episode will provide valuable insights.

So, stay tuned until the end to learn from my conversation with Joe and Olivia from JO Property Group.

Learn more about Joe & Olivia’s 1-2-1 Mentoring Program here.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

Get ready to dive into the exciting world of Rent-to-Rent! 

In this episode, we'll be covering everything you need to know to get started, from the basics and fundamentals to practical tips and real-world examples straight from my own experiences.

We'll explore the Rent-2-Rent strategy and cover the following topics:

• The basics and fundamentals of R2R
• Tips and strategies for finding the right R2R property
• Best practices for managing and operating R2R properties effectively
• Financing options for investments and scaling your business
• Common misconceptions about R2R and how to overcome them
• Challenges you may face in the R2R industry and how to address them

By the end of this episode, you'll have a better understanding of Rent-2-Rent and the knowledge to successfully implement this strategy and generate some serious income.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

Are you managing your projects efficiently?

In this episode, we'll be discussing project management efficiency and I'm pleased to introduce my good friend Dean Adkins from QS Force. 

Dean, a property investor since 2009 running his investment business alongside his career in project management will share his knowledge and experience with us. We'll cover a range of topics, including:

• What project management entails and how to approach it more effectively
• How to shift our mindset toward project management, whether big or small
• Why it's advisable to have a project manager on your side rather than relying on the builder alone
• The importance of having appropriate paperwork in place
• The significance of having someone with the right expertise in building and architectural regulations, finance, and commercial aspects. 
• Gain insight into a real project manager's work process through detailed examples

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates, and more resources to help you start, scale, and systemise your HMO business.

In this episode, I'm going to share 10 pieces of essential property advice that I would give my younger self to help me achieve more in less time.

I'm gonna reflect on the last 15 years of being in this game - all of the things that I've learned, the trials and the tribulations, and the struggles. And I'm gonna package it up into 10 pieces of advice that I would give to my younger self. 

So if you are just starting your property business, or perhaps you've already started it, but you wanna do things more quickly, if you wanna do them bigger and better, this episode is definitely one to stick around for.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

In this episode, I'm going to bring you up to speed and tell you exactly what's been happening in my businesses over the last 4 to 6 weeks. 

I like to do these episodes because I like to make sure that you guys know that I'm not just talking the talk, I'm actually out there and walking the walk as well.

Plus, I’ve got something that I've been keeping under wraps and I'm going to share it for the very first time.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

I want you to take this episode very seriously because we have honestly been helping a lot of our community members get some very substantial amounts back from the HMRC. Money that they overpaid in stamp duty. I myself have overpaid on two occasions and received refunds for very significant amounts. 

So in this episode, I'm gonna help you understand whether or not you might qualify for some sort of exemption or a potentially due rebate. And if you are, then I'm gonna tell you exactly what you need to do about it. And in the process, I'm gonna help you learn more about what stamp duty is and how it's calculated.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.

Email us at info@thehmoroadmap.co.uk if you think you might qualify for a stamp duty rebate.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadmap -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

In this episode, I need to have a bit of a rant. 

Not because I just want to rant but because I think you're actually going to find this quite useful and valuable.

This is an issue that I recently had with a HMO licence and more specifically the team who are responsible for inspecting and issuing the license.

If you want to know what exactly the issue is, be sure to listen to this episode now.

-

Please leave us a quick review on Apple Podcasts or Spotify if you find this episode helpful.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join The HMO Roadamp -  an exclusive community and online learning platform for HMO property investors. As a member, you’ll get access to online training, group coaching, a deal stacker tool, case studies, contract templates and more resources to help you start, scale, and systemise your HMO business.

In this episode, we're gonna talk about the three essential ingredients that you can use to bake the perfect HMO deal every single time. 

When I look at every single one of my deals, whether it's something I'm buying myself, whether it's a rent-to-rent deal, or whether it's something I'm just advising somebody on in our community, I'm always thinking about three things. And these three will really determine the performance of this HMO.

But remember, you do still need to think about some of the other details but if you get this, the rest of it matters so much less. 

-

Was this episode helpful? Please leave us a quick review on Apple Podcasts or Spotify! 

Follow The HMO Podcast to get notified of new episodes every Wednesday.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join our exclusive community of HMO property investors at thehmoroadmap.co.uk for online training, group coaching, and resources to help you start, scale, and systemise your HMO business.

The mortgage market is constantly changing, with various factors affecting interest rates, property values, and lending policies. 

So in this episode, we’ve got our Specialist Mortgage Broker, Ellie Broadhurst back to discuss what's happening in the mortgage market right now and provide some tips for navigating this complex landscape. We’ll cover the following topics:

• Base rates and their impact on interest rates
• Disparity between lenders 
• Increase in rentals and how it affects the market
• The importance of timing when refinancing
• Property values and their impact on refinancing options
• The importance of managing your expectations 
• Ellie's tip for property investors

Interested in discussing your HMO mortgage and finance needs? Contact Ellie Broadhurst here. 

-

Was this episode helpful? Please leave us a quick review on Apple Podcasts or Spotify! 

Follow The HMO Podcast to get notified of new episodes every Wednesday.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join our exclusive community of HMO property investors at thehmoroadmap.co.uk for online training, group coaching, and resources to help you start, scale, and systemise your HMO business.

Are you tired of putting in endless hours on social media without seeing any real results? 

It's time to stop scrolling aimlessly and start using social media efficiently to grow your HMO property business!

In this episode, I'll be sharing some tried and tested tips on how to maximise your time, efforts, and resources on social media to get the best possible results. 

I'll cover five key benefits of using social media, based on my own experiences, and provide you with six actionable steps to start using social media more effectively.

Whether you're a seasoned investor or just starting out, you won't want to miss this episode. 

-

Was this episode helpful? Please leave us a quick review on Apple Podcasts or Spotify! 

Follow The HMO Podcast to get notified of new episodes every Wednesday.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join our exclusive community of HMO property investors at thehmoroadmap.co.uk for online training, group coaching, and resources to help you start, scale, and systemise your HMO business.

In this episode, we’re diving into one of the most important pillars of property investing – risk. It’s the foundation behind every decision we make, yet too many investors spend far too little time thinking about what risks they face, where they come from, and how to manage them.

After nearly 20 years in this game, I’ve learned that becoming more risk-aware doesn’t mean doing fewer deals – it means doing better ones. As I’ve grown older, with more to lose and more people depending on me, I’ve approached risk differently. I’ve structured deals smarter, had better conversations, and ultimately built safer, stronger businesses because of it.

Today, I want to help you do the same. We’ll unpack what risk really is, where it comes from, and how you can mitigate it to build a more resilient property business.

 02:46 – Understanding Different Types of Risks
 05:52 – Sources of Risk in Property Investment
 08:35 – Mitigating and Managing Risks
 41:34 – Evaluating Project Viability

-

Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!

Got any questions? Join The HMO Community on Facebook!

Connect with me on Instagram or Linkedin for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

In today's episode, I want to share what I've learned from the best in our industry and how they build successful portfolios. 

This is taken from a presentation that I delivered at the HMO Awards last year but we could only fit so many people in that room. And I know a lot of our listeners haven't had the chance to listen to this yet so I'm going to share the five most important lessons or learnings that I've taken from all of the great conversations that I've had with other successful investors in our industry.

-

Was this episode helpful? Please leave us a quick review on Apple Podcasts or Spotify! 

Follow The HMO Podcast to get notified of new episodes every Wednesday.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join our exclusive community of HMO property investors at thehmoroadmap.co.uk for online training, group coaching, and resources to help you start, scale, and systemise your HMO business.

In this episode, I'll update you on the latest happenings in my businesses over the past few months. 

It's a cathartic experience to reflect on events and be held accountable, and sharing with you helps me stay focused. 

I'll cover recent challenges, updates on my commercial to residential businesses, my property education business, and my HMO portfolio.

-

Was this episode helpful? Please leave us a quick review on Apple Podcasts or Spotify! 

Follow The HMO Podcast to get notified of new episodes every Wednesday.

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join our exclusive community of HMO property investors at thehmoroadmap.co.uk for online training, group coaching, and resources to help you start, scale, and systemise your HMO business.

In today's episode, I invited Saif Derzi to share his thoughts on what the property market looks in the next 12 months.

Saif Derzi is an award winning property trader and investor. He has been in property for over 7 years and has bought and sold over 150 properties, manages over 400 properties and owns and runs a cash buying company. In 2022, he won Property Trader of the Year.

In this conversation, Saif and I will talk about:

• His experience and how he started investing in HMOs
• How he’s using his trading business to finance his property investments
• His thoughts on the challenges of HMO property investors like regulations, compliance, tax and interest rates
• The importance of resiliency
• What he loves about property investing
• His advice to all property investors

Was this episode helpful? Please leave us a quick review on Apple Podcasts or Spotify! 

Follow The HMO Podcast to get notified of new episodes every Wednesday.

–

Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! 

If you want to join my 1-2-1 mentoring program, you can enquire here. 

New to HMOs? Join our exclusive community of HMO property investors at thehmoroadmap.co.uk for online training, group coaching, and resources to help you start, scale, and systemise your HMO business.