Explore every episode of the podcast Expat Property Story
Dive into the complete episode list for Expat Property Story. Each episode is cataloged with detailed descriptions, making it easy to find and explore specific topics. Keep track of all episodes from your favorite podcast and never miss a moment of insightful content.
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Title
Pub. Date
Duration
The Secret Formula to making £6.5 Million in 4 Years
23 Apr 2025
00:54:26
Is it really possible to make that much money in such a relatively short space of time?
It can definitely be done, but to do it like this week’s guest, Oliver Adams, you’ll need knowledge, experience as well as the right mindset.
And you’ll have to work like a Trojan.
And, if you listen till the end, you’ll see how things can really unravel when misfortunes and disasters compound.
You won't want to miss this one!
In the episode, we discuss:
Details on first property trade
Balancing profitable, break-even, and loss-making deals
Handling periods of higher loss ratios
A typical deal
Seller motivations
Pricing negotiations based on quick cash offers and the seller’s emotional state
Process from Acquisition to Sale
Hands-on approach: self-performing initial property clear-outs, cleaning & minor maintenance
Gradual shift to contracting out more tasks to save time
Sales Strategy/Auction Tactics
Preference for quick 2-week completions: smaller profits for faster capital recycling
Low reserve prices to stimulate interest
Trade-offs between profit maximization and deal volume
Valuation Approach and Market Analysis
EIG (Essential Information Group) and Rightmove
Strict eight-week cycle for turnover
Opinion on limited value of data
Auction outcome variation
On-market Vs off-market / Seller psychology
Deal Sourcing Strategies
Mindset
The shift from hands-on control to leveraging contractors for efficiency and global flexibility
Recommendations for expats or remote investors:
Recovering / Learning from Failure
Example of a high-loss deal: compounding misfortunes
The emotional and strategic process of recovery: analyzing what went wrong, learning (e.g., construction type, local sentiment), and mentally moving on
The psychological need to keep trading and not let losses inhibit future risk-taking
Where to meet Expat Property Investors (For FREE):
Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Sat of month from 11:30 am)
Dubai: Holiday Inn, Science Park (1st Weds of month from 7pm)
Singapore: The Providore VivoCity (1st Sat of month from 10:30 am)
Keywords
volume property trading, UK property auctions, remote property investing, expat property investment, property flipping, property sourcers, off-market deals, auction reserve prices, risk management in property, mindset for investors, property refurbishments, bridging finance, property trading companies, stamp duty exemptions, due diligence, market value assessment, property profit margins, loss recovery strategies, seller sentiment, auction completion times, portfolio growth, subcontracting property work, property clearance, motivated sellers, non-standard construction, auction buyer psychology, sourcing property leads, estate agent valuations, property trading business model
Can't Decide Between Single Lets & HMOs?
16 Apr 2025
00:26:51
#213
In this episode, we look at seven reasons why you might want to pick Houses of Multiple Occupancy (HMOs), and seven reasons why you might choose Standard Buy to Lets as your strategy.
By the end of the episode, you can come to your own conclusion as to which is best for you.
Reasons to Choose HMOs
Higher Yields
Main reason for choosing HMOs
Potential income comparison with Single Lets
Demand
Supply vs. demand in the HMO market
Factors contributing to demand: rising property prices, energy costs, population changes
Niche Opportunities
Target tenant types: students, professionals, medical students, etc.
Social housing and supported living HMOs
Replacing Your Income
Motivations for choosing HMOs over secure jobs
Financial aspirations and goals
Reducing Risk of Voids
Comparison of void risks between HMOs and Single Lets
Commercial Valuations
Explanation of valuation differences between residential and commercial
Importance of working with knowledgeable brokers
Cash Flow
Importance of cash flow in real estate investments
Reasons to Choose Single Lets
Simplicity
Easier management and less conflict
Simpler tenant management
Broader market for selling properties
Good for Beginners
Less stress and complexity for first-time investors
Lower Risk
Risks associated with HMOs compared to Single Lets
Finance
Lower lending costs
Management costs and property maintenance
Time Efficiency
Less time needed for buying, refurbishing, and tenant management
Less Market Volatility
Fewer fluctuations affecting Single Lets
Capital Growth
Characteristics of properties that appreciate over time
Where to meet Expat Property Investors (For FREE):
Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Sat of month from 11:30 am)
Dubai: Holiday Inn, Science Park (1st Weds of month from 7pm)
Singapore: The Providore VivoCity (1st Sat of month from 10:30 am)
Keywords
Expat UK property investment, Buying UK property remotely, UK property auctions, Legal packs for UK property, DocuWise auction review, Remote UK real estate investment, UK property for expats, AI for property auctions, UK property legal document review, Investing in UK property from abroad, UK property auction tip, Hidden fees in property auctions, Reviewing UK auction packs, Digital nomad UK property investment, Expat property buying guide, UK property investment challenges, Exploring UK property auctions, Streamlining UK auction purchases, UK auction legal packs, UK expat property podcast, Buying UK property at auction, Transparency in property auctions, UK property auction solutions, Efficient property research, Avoiding surprises in auctions, UK real estate for digital nomads, Auction property investment, Auction detective skills, Expat buying property UK, Remote auction property purchase
How to Buy, Refurbish & Refinance With Speed and Efficiency
02 Apr 2025
00:40:52
#211
This week, we show you how to buy, refurbish and refinance with speed and efficiency.
Kirsty and Gary from Ormad Properties have been buying mostly two or three bed terraced houses in and around Leeds.
They both had a property each when they first met and soon bought a third one together in 2014.
But in 2020, they decided to scale their portfolio which now contains 23 properties, 20 of which are single lets and three Serviced Accommodation.
Their business model relies on volume.
They aim at turning projects around in around 8 to 10 weeks in order to recycle as much of their funds as possible.
During the episode, we discuss:
o Importance of time and efficiency in property investment.
o Their focus on low risk, volume, and quick project turnaround.
o Importance of having a plan before property acquisition.
o Lining up tradespeople and efficient scheduling.
o Building relationships with tradespeople.
o Importance of reliable and communicative trades over cost.
o Importance of understanding property photos beyond decor.
o Using Google Street View as a tool for checking property and area details.
o Assessing property condition from photos
o Internal Property Inspection Tips
o Key factors to inspect internally, particularly structural and utility aspects.
o Signs of necessary repairs, especially electrical and plumbing.
o Modernizing kitchens and bathrooms as part of a cost-effective renovation.
o The balance between speed and quality in project completion.
o Utilizing past project data to inform budget and timeline for new projects.
o Advantages of buying properties at auctions for speed.
o Strategic approach to bidding at auctions.
o Pre-auction and post-auction buying techniques.
o Discussion on the refinancing process and common delays.
o Importance of starting refinancing before project completion.
o Decision factors for choosing lenders and mortgage brokers.
o The criteria Kirsty and Gary use to determine a good deal.
Most people invest in UK property because of its Long-term potential for capital growth
If you’re an expat, foreign national or any other kind of remote investor, then you probably tend to prefer strategies that require less hands-on management.
Unless you have friends or family in your chosen investment patch, then you’re going to need to work with people on the ground.
Despite what people will tell you, this is not passive investment.
Even if you find a turnkey UK property partner, you need to understand as much about the sourcing and refurb process to make sure you are getting a good deal
This episode is here to help you do just that.
Romanian born George Samoila provides a turnkey service for remote investors looking to invest in Manchester.
During the episode, we discuss:
Advantages of buy-to-let properties, particularly three-bed semis
Property Sourcing and Working with Agents
Sourcing methods: on-market, off-market, auctions, and partnerships
Timeframes and hurdles in building agent relationships
Preference for properties requiring minimal refurbishment
Analysis of buying with cash versus mortgages
Market conditions affecting property availability
Importance of using sold subject to contract prices for valuation
Challenges with land registry delays
Tips for validating comparables and using agent insights
Managing Refurbishments for Remote Investors
Ensuring transparency and verification in refurb costs
Using level two Homebuyers Reports
Communication and monitoring of refurbishment progress
New feature: property disasters
Example of a social housing provider going bust
Lessons learned from provider failures and importance of diversification
Where to meet Expat Property Investors (For FREE):
Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Sat of month from 11:30 am)
Dubai: Holiday Inn, Science Park (1st Weds of month from 7pm)
Singapore: The Providore VivoCity (1st Sat of month from 10:30 am)
Keywords
UK property investing, expat investors, remote investing, capital growth, turnkey service, property sourcing, Manchester property, buy to let, HMO, property refurbishing, mortgage, property management, capital appreciation, real estate strategies, property comparables, project management, long-term investment, property portfolio, social housing, level two homebuyers report, property disasters, property auctions, bridging finance, financial diversification, property conveyancing, rental yields, property location, refurbishment costs, property value, real estate due diligence.
Mindset and Motivation from Damian Hughes of High Performance
20 Mar 2025
00:27:11
#209
Damian Hughes, co-host of the High Performance podcast returns for the second half of our interview.
Last week, in Episode 208, we talked about how to create a culture for your organiasation, whether that's just you and a couple of others, or a huge organisation.
This week's show is mostly about Mindset.
Damian answers the question of how to motivate yourself on the days when you're not quite at the races.
During the episode, we discuss:
o Importance of mindset for expats with a side hustle
o Discussion on how motivation can fluctuate and the importance of habits.
o Reference to James Clear's idea that you fall to the level of your habits.
o Difference between extrinsic and intrinsic motivation.
o Use of autonomy, mastery, and belonging in maintaining motivation.
o Olympic swimmer Adam Peaty and his commitment to winning.
o CEO Toto Wolff and the complexity of happiness vs. performance.
o Contentment and inner peace as alternatives to happiness
o How individuals define their own high performance and happiness.
o The difference between high performance and world-class performance.
o Emotional Literacy and Self-awareness
o Envy vs. jealousy.
o Discussion on the importance of recognizing when to pivot and change goals.
o Reference to Muhammad Ali’s long career and the role of one's support circle.
o Ideal housemates: Brian Keenan, Eric Cantona, and his father.
o Top books for mindset: Jonathan Haidt, Steve Biddulph, James Clear.
o Importance of environment and community in achieving success.
If you’re not in a hurry to replace your income and you’re looking for long-term capital growth, then your good old fashioned single let is the easiest route to long-term wealth with minimum effort.
So if you’re a busy expat looking to build a UK portfolio with as little stress as possible, but with a good long-term return on your investment, then you won’t want to miss this week’s show.
Where to meet Expat Property Investors (For FREE):
Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Sat of month from 11:30 am)
Dubai: Holiday Inn, Science Park (1st Weds of month from 7pm)
Singapore: The Providore VivoCity (1st Sat of month from 10:30 am)
Keywords
Expat Property Guy, buy to let, capital growth, UK portfolio, single let, podcast, real estate investment, UK Property Investor, Darren MacNeil, Property Hub forum, portfolio building, expat investing, low risk investment, turnkey property, refinancing, long term strategy, property sourcing, UK property market, Rossendale, Lancashire, real estate strategies, property renovation, Manchester property market, rental income, capital appreciation, BRR method, limited company, property sourcing service, remote investors, real estate challenges, expat property story.
How to Build Your UK Property Brand to Find Private Investors
13 Feb 2025
00:36:21
#204
Bricks and mortar don’t come cheap.
Your own funds can only take you so far.
I’m sure you’ve heard lots of people talking about working with private investors.
Louise has over 20 years' marketing experience gained in real estate, financial services, media and retail sectors so she’s well placed and qualified to provide strategic AND tactical Marketing for small, ambitious property businesses.
In this episode, we discuss:
The 3 key traits needed for successful marketing: Customer-centric, Consistency, and Clarity
The importance of understanding your target audience
How to identify your customer base by examining your own background, strengths, and story
The significance of listening to potential clients to understand their pain points and needs
The need for consistency in marketing efforts
Messaging frameworks in marketing (typically 8-10 core messages)
Compliance when marketing to private investors, especially regarding FCA regulations
The concept of brand archetypes based on 12 core human desires
How to use AI tools like ChatGPT effectively by incorporating brand strategy and tone of voice
The importance of aligning personal and business brands for authenticity
The "11-7-4 rule" for building trust (11 hours, 7 separate occasions, 4 different places)
Louise's background in education and her charitable work in Cambodia
How to develop a distinct tone of voice that matches your brand values and target audience
Where to meet Expat Property Investors (For FREE):
Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Sat of month from 11:30 am)
Dubai: Holiday Inn, Science Park (1st Weds of month from 7pm)
Singapore: The Providore VivoCity (1st Sat of month from 10:30 am)
Keywords
UK property resource, property investors, private investors, marketing campaign, customer centric, consistency, clarity, direct to vendor marketing, customer insights, niche marketing, target audience, customer avatar, pain points, customer needs, customer goals, marketing strategy, features and benefits, tone of voice, brand archetypes, messaging framework, social media engagement, property portfolio growth, financial services compliance, FCA compliance, AI tools, Chat GPT, marketing training program, customer research, business strengths, networking events.
Short Lease Extensions for Quick Profits in UK Property
06 Feb 2025
00:41:29
#203
Buying a leasehold property with less than 80 years left on the lease offers savvy investors the opportunity to add value and force the appreciation in a short timeframe.
This allows you to potentially recycle your cash and turbo charge the growth of your portfolio.
Short lease extensions are equally powerful whether you’re trading for a quick profit or holding for cashflow.
And if you can combine lease extensions with other value adding strategies such as BRR (Buy Refurbish, Refinance) and reconfiguring properties to add more bedrooms, then you can make some serious cash.
Jason Patterson, is a seasoned property investor with over 23 years of experience in UK property.
He built his portfolio from a standing start, from money saved from his job stacking shelves in Sainsbury’s in Camden, North London.
In total, Jason worked at Sainsbury’s for 11 years, and as a side hustle, he almost accidentally focused on leasehold properties with short leases, a niche that would later earn him his nickname as the Short Lease King.
During the episode, we discuss:
o Benefits of purchasing properties with short leases
o Explanation of what constitutes a short lease
o Impact on property value and mortgageability
o Sweet Spot for Short Leases
o Discussion on ideal lease lengths for extending
o Combining short lease strategy with mortgageability
o Steps to gather lease extension information
o Importance of contacting freeholders
o Explanation of Section 42/Leasehold Reform
o Impact of potential leasehold reforms on buying strategies
o Handling Vendor Resistance
o Challenges with uncooperative vendors
o Augmenting Short Lease Strategy with Additional Strategies
o Combining this strategy with BRR and reconfiguration
o "Triple Threat" properties
o Criteria and considerations for choosing properties
The Story Behind Expat Property Story As Told in YPN
30 Jan 2025
00:17:02
#202
A few months ago, after Your Property Network Magazine, more commonly known as YPN, had asked me to write an article about the story of a podcast, they asked me for an audio version to release on an App they were developing for the magazine.
So I thought you might like to hear it too!
The article was featured in the September issue of YPN, and this episode features the audio version as released on the App.
To flesh out the episode, we asked AI for the ten most important lessons from the first 200 episodes of Expat Property Story.
Where to meet Expat Property Investors (For FREE):
Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Sat of month from 11:30 am)
Dubai: Holiday Inn, Science Park (1st Weds of month from 7pm)
Singapore: The Providore VivoCity (1st Sat of month from 10:30 am)
Keywords Expat Property Story, podcast, expat property investor, UK property, property portfolio, Chinese New Year, Philippines, operations manager, private investor, Hong Kong, property podcast, Rob Dix, Property Podcast, UK properties, overseas investors, mortgages, self employed, currency concerns, non resident factors, tax differences, limited company, property deals, student HMOs, investment patch, pension plan, real estate, narrative podcast, serviced accommodation, auctions, Derbyshire, East Midlands.
How to Buy, Refurbish & Refinance
23 Jan 2025
00:26:17
#201 UK property is a really powerful tool for growing your wealth. But to do it well, you need to buy at a discount, add value and make sensible use of leverage. One way to do this is through a concept called Buy, Refurbish & Refinance (BRR) And that’s what today’s episode is all about.
When Mortgage Express fell to pieces in the wake of the Financial Crisis, Kevin Wright devised a strategy that came as close to the concept of recycling your cash as legally possible, and that was how BRR came to be
From + €65 Million to - €16 Million: Lessons from Gavin Gallagher
16 Jan 2025
00:42:10
Welcome to the 200th episode of the Expat Property Story podcast, where we've been guiding you on your property investment journey across 150 countries since early 2022.
Today, we have a special guest, Gavin Gallagher, host of the Irish property market podcast "Behind the Facade."
Join us as Gavin shares his compelling story of triumphs and setbacks, drawing from his vast experience during Ireland's Celtic Tiger boom to the crushing 2008 financial crisis.
Gavin has identified four factors that will impact your UK Property Story:
Economy
Events
Ego
Emotions
o "Four E's": Economy, Events, Ego, and Emotions
o Issues with over-leveraging and pursuit of quick profits
o Importance of discipline, patience, and emotional management
o Psychological aspects of investing
o Risks of Investing in Foreign Markets
o Currency exposure challenges, especially post-Brexit
o Gavin's experiences with property markets in Spain and New York
o Learning from successes and failures
o Overcoming ego and managing emotions in investing
o Importance of understanding market conditions
o Analyzing success and being cautious while investing internationally
o Importance of sustainability and energy performance
o Unintended consequences of policies like "rent pressure zones"
Seven Places with Good Fundamentals in UK Property
04 Jan 2025
00:18:58
#197
In this the penultimate show in our Daily Sevens Season celebrating the 12 days Of Xmas, we're highlighting 7 locations with great fundamentals.
Everybody’s looking for the next great place to invest.
The new Manchester, the new Liverpool, the new place with great fundamentals that will take you to property nirvana.
And while it’s possible to pick a winner with long odds, there’s a good argument for picking an option that is more guaranteed and finding a way to add value to that option.
Yesterday, we ran through 7 Factors to Follow for Capital Growth.
In today’s show we’ve taken these principles and picked and ranked seven locations with great fundamentals.
The first 6 are below. For the 7th, you'll have to listen to the end of the show!
York
: Offers consistent demand due to a large student presence and tourism sector despite high property prices.
Ipswich
: Attracts investors with affordable properties and strong rental demand, leveraging proximity to ports and good transport links.
Coventry
: A young and sizable student population and diverse employment sectors contribute to its growth potential.
Leicester
: Known for its diverse population and industrial heritage, it offers solid fundamentals and potential for property investors.
Cambridge
: Boasts high property prices but benefits from a strong population growth driven by a knowledge-based economy.
Glasgow
: Offers a robust economy and affordable entry point with strong fundamentals in population growth and employment sectors.
Details of where to meet Expat Property Investors (For FREE):
Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Saturday each month from 11:30 am)
Dubai: Holiday Inn, Science Park (1st Wednesday each month from 7pm)
Singapore: The Providore at VivoCity (1st Saturday each month from 10:30 am)
Keywords property investment, capital growth, population growth, infrastructure investment, job creation, changes in legislation, demographic shifts, supply and demand, natural barriers to entry, UK property, real estate, property values, housing market, property portfolio, economic factors, rental growth, equity, refinancing, property appreciation, property strategy, market trends, property podcast, real estate podcast, property story, investment tips, property growth tips, UK housing market, planning regulations, capital appreciation, property market analysis
Seven Ways to Add Value in UK Property
02 Jan 2025
00:17:21
#195
Are you happy in your job?
Do you see yourself in the same job or the same career for the foreseeable future?
If you’re looking to replace your income, either to get out of full time employment for others or because you’re worried that your full-time employer will get rid of you, then you'll need to accelerate your property story.
For that you’ll need to look at ways to add value.
Today, we present 7 of them.
This episode is Number 9 in our Daily Sevens Series celebrating the 12 Days of Xmas.
The 7 ways to add value are:
Target up and coming areas: Focus on properties in areas with potential for capital appreciation.
Buy at discount: Purchase properties for less by negotiating directly with motivated vendors or at auctions.
Sweat the asset: Maximize property returns through efficient use, like upgrading finishes or converting into an HMO.
Development: Add value by expanding or converting properties to increase square footage.
Divide and conquer: Increase income by splitting properties into multiple units or optimizing commercial spaces.
Paper exercises: Add value through non-physical means like lease extensions or obtaining planning permission.
Sophisticated strategies: Employ advanced techniques like vendor finance or purchase lease options to add value.
Our investor list is full right now, but we'll be doing more projects in the year ahead.
Details of where to meet Expat Property Investors (For FREE):
Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Saturday each month from 11:30 am)
Dubai: Holiday Inn, Science Park (1st Wednesday each month from 7pm)
Singapore: The Providore at VivoCity (1st Saturday each month from 10:30 am)
Keywords success, failure, quotes, expat property, podcast, UK property portfolio, Christmas, gifts, review, money, Johnny Carson, freedom, hard work, Gloria Pitzer, property education, property courses, knowledge, Confucius, Laozi, mindset, Frank Zappa, Winston Churchill, Oliver Wendell Holmes, habits, Horace Mann, goal setting, fixed rate return, savings, investment, Goethe.
Seven Characteristics for Successful UK Property Investing
30 Dec 2024
00:14:43
#192
In 1937 Napoleon Hill wrote a book called Think & Grow Rich, after spending 20 years studying the lives of the most successful people of the day.
He claimed to have spoken to 500 millionaires.
It was in this spirit that we decided to run a feature called Property Adjectives from Episode 166 onwards.
The idea was that by asking each of our guests for the three traits they believe you need to succeed, we could compile a list of them for you to be a successful UK property investor too.
Details of where to meet Expat Property Investors (For FREE):
Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Saturday each month from 11:30 am)
Dubai: Holiday Inn, Science Park (1st Wednesday each month from 7pm)
Singapore: The Providore at VivoCity (1st Saturday each month from 10:30 am)
Keywords Expat Property Story, property education, self help books, mindset books, property specific books, Atomic Habits, James Clear, Barcelona Way, Damian Hughes, High Performance, Liquid Thinker, change management, sports psychologist, Pep Guardiola, FC Barcelona, Bounce, Matthew Syed, UK champion, purposeful practice, deliberate practice, Shoe Dog, Phil Knight, Nike, Just Do It, Can't Hurt Me, David Goggins, Navy SEAL, ultra endurance athlete, Hustle Harder Hustle Smarter, Curtis Jackson, 50 Cent, The Biggest Bluff, Maria Konnikova.
Seven Clips From the Cutting Room Floor
27 Dec 2024
00:31:52
#189
On today’s show, we’ve prepared seven unreleased clips from previous interviews that didn’t fit into the episodes for which they were recorded but which are well worth listening to in their own right.
Details of where to meet Expat Property Investors (For FREE):
Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Saturday each month from 11:30 am)
Dubai: Holiday Inn, Science Park (1st Wednesday each month from 7pm)
Singapore: The Providore at VivoCity (1st Saturday each month from 10:30 am)
Keywords investing tips, property investment, expat property story, Christmas podcast, business relationship, optimism in entrepreneurship, property management, service accommodation, financial control, property portfolio, management fees, hiring process, delegation, property strategies, UK property market, stamp duty, renters rights bill, interest rates, property legislation, property motivation, internal rate of return (IRR) return on capital employed (ROCE), property commentator, expat property challenges, investor list, podcast review, future planning.
Tax Planning for UK Property
19 Dec 2024
00:45:53
#186
When most people think about investing in property they focus on everything else except the one factor that should probably be considered first: Tax planning.
Property tax specialist Neil Ryder of Property Tax 360 takes us through his Today, Tomorrow and Next week concept of tax planning.
During the episode, we discuss:
Personalized planning for unique family situations
Trade-offs between income tax and inheritance tax issues
Use of discretionary trusts
Importance of keeping estate values under £2 million
Use of Form 17 for income distribution between spouses
Creation of a property portfolio through a limited company
Strategies for tax-efficient income extraction
Issues with Director’s Loans and Interest
Complexities of Hybrid Portfolios
Incorporation and latent gains issues
Challenges of remortgaging and personal guarantees when bequeathing property
understanding latent gains
Potential minimization through group structures
Investment vs. Trading Considerations
Classification issues impacting business relief and inheritance tax
Purpose of cash reserves in trading companies
The importance of communication in succession planning
Communication and planning for efficient succession
Probate process and limited company ownership
Ownership and deed of trust for property benefits
Shareholding structures in limited companies
Returning to the UK and buying property
Impact of Primary Residence on Inheritance Tax
Nil rate band considerations
Use of shares in a limited company
Estate implications of jointly owned property by a couple
Inheritance tax concerns on "second death"
Transferability of unused allowances
We help time poor professionals get a good return on their money by investing with us. Schedule a call
Buy to Let is dead! You must have heard people saying that right?
You may even have heard it on here before.
It’s been strangled it to death by inflation, higher interest rates and less than favourable legislation.
But what if I told you there’s a way to make north of £500 per month from a property costing not insignificantly more than 100K with fewer of the expenses, voids and maintenance issues that would come from an HMO?
Would you be interested?
Well, that’s what this week’s show will let you know!
Raj Beri is the co-editor of YPN magazine and has aportfolio of HMOs and single lets in Nottingham. He has been following the LHA strategy for 12 years in Nottingham and has seven properties adopting this approach. He has recently started exploring a new area for his model: Leeds.
Raj offfers training in the LHA strategy.
During the episode, we discuss:
· Definition of Local Housing Allowance (LHA).
· Emphasis on providing safe, clean accommodation for ALL
· Importance of local networks and selecting safe neighborhoods.
· LHA rates vs. rising market rents.
· Pros and Cons of the LHA Strategy:
· Importance of local partners for tenant screening.
· Model 1: HMO-like arrangement with dual tenancy benefits.
· Model 2: Family setups with separate entitlement claims.
· Implementation and Management Techniques:
· Prequalifying tenants and indirect communication.
· Managing tenant inquiries and Raj’s hybrid management model.
· Handling Universal Credit and housing benefits transition.
Details of where to meet Expat Property Investors (For FREE):
Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Saturday each month from 11:30 am)
Dubai: Holiday Inn, Science Park (1st Wednesday each month from 7pm)
Singapore: The Providore at VivoCity (1st Saturday each month from 10:30 am)
Keywords LHA strategy, higher cash flow potential, universal credit details, tenant screening, buy refurbish refinance method, Raj Beri training, Renters Rights Bill, eviction process, housing benefits, direct payments, tenant withdrawal, multiple exit strategies, buy-to-let alternative, HMO-equivalent income, property maintenance, Model 1 LHA, Model 2 LHA, tenant prequalification, Gumtree advertising, Manchester vs Leeds, safe neighborhoods, hybrid property management, fixed fee management, tenancy management, local partners, rental market challenges, LHA rates, property investment strategy, remote property investment, government rental support, housing entitlements.
How to Use Linkedin for UK Property
05 Dec 2024
00:36:33
#184
In this week's show, we take a look at how you might look to leverage Linkedin to build your UK property portfolio.
Louise Brogan is an international speaker, trainer and all round expert on why, how and when you should be using LinkedIn in business. Her podcast Linkedin with Louise has nearly 250 episodes on the subject so she definitely knows what she’s talking about. Linkedin Headline Examples
During the show, we discuss:
Importance of LinkedIn for UK property portfolio expansion.
Building network online and offline.
LinkedIn Profile Setup
Details about profile photo, banner image/branding.
Suggestions for consistency across team profiles.
Different Profile Sections:
"About" section focus on helping others.
Links/keywords in "Experience" section.
Display of top 5 skills.
Importance of correct profile setup for business credibility.
Use of 1st person singular (I) for personal profiles / we for Company pages
Effective posting times.
Advantage of personal profiles over company pages for conversations.
Differences in visibility between followers and connections.
Importance of authenticity, consistency and enthusiasm
Engaging with influencers/relevant audiences.
Use of LinkedIn to connect with private investors.
Engagement Through Comments.
Importance of professional conferences and forums.
Differences Between Connections and Followers
Comparison between LinkedIn and traditional email newsletters.
Recommendations for newsletter frequency.
Importance of posting frequency and engaging with content.
Word count limits and use of imagery in newsletters.
We help time poor professionals get a good return on their money by investing with us. Schedule a call
Details of where to meet Expat Property Investors (For FREE!!!):
Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Saturday each month from 11:30 am)
Dubai: Holiday Inn, Science Park (1st Wednesday each month from 7pm)
Singapore: The Providore at VivoCity (1st Saturday each month from 10:30 am)
Keywords: LinkedIn profile setup, personal vs. company tone, cross-posting content, building LinkedIn network, LinkedIn private messaging, following vs. connecting, LinkedIn profile photo, LinkedIn banner image, LinkedIn consistency, authentic presence on LinkedIn, LinkedIn engagement, LinkedIn weekend posting, LinkedIn skills section, LinkedIn recommendations, creating LinkedIn content, LinkedIn storytelling, LinkedIn content strategy, LinkedIn profile mistakes, LinkedIn headline creation, online networking platforms, LinkedIn visibility, networking for property investment, LinkedIn for business growth, LinkedIn podcast promotion, LinkedIn networking strategies, LinkedIn company pages, LinkedIn comments engagement, LinkedIn connections vs. followers, LinkedIn newsletter strategy, AI in content creation.
Property & Poppadoms with James Rogers
28 Nov 2024
00:37:29
#183
Property & Poppadoms is the fastest growing network in the UK, cooking up a storm in 27 different locations across the UK, and more to come in 2025.
In this episode, for the first time ever on a podcast, founder James Rogers shares the story of how and why he came up with the idea of putting property and curry together.
James also shares his own story from from painter and decorator to plumber to property investor and more recently as mortgage broker with 978 Finance.
In this episode, James talks about:
Education and Early Career:
Struggled in school, leaving school age 14 without qualifications.
Worked initially as a painter & decorator / door-to-door sales.
Retrained as a plumbing & heating engineer.
Health Issues and Career Shift:
Developed respiratory issues due to building site dust.
Advised to change careers.
Property Development:
Began property development in Stoke on Trent
Complications with the sale of his first property due to local violence.
Initially focused on short-term projects, then shifted to long-term goals in 2018.
Networking and Growth:
Overcame reluctance to network due to lack of formal education.
Attended property investment events and mastermind programs.
Investment Strategy:
Transition from purchasing 3 Bed semis to complex investments.
Successful conversion of 7 bed HMO in Stoke
Event Launch and Expansion:
Creation of "Property and Poppadoms."
Initial events evolved with presentations to maintain engagement.
Expanded from 2 to 29 meetings: both online and in-person formats.
Challenges and Personal Growth:
Faced personal difficulties, including family health issues, divorce, and COVID-19 impacts.
Maintaining motivation
Currently rebuilding and seeking new projects and opportunities.
We help time poor professionals get a good return on their money by investing with us. Schedule a call
If you buy a 300K residential investment property in the UK after April 1st 2025, you'll pay£26,000 in stamp duty.
But if you buy a commercial property for the same price, it''' cost you just £4,500.
I’m guessing you'd like to take a closer look at commercial!
So how do you get started in this sector? Is it viable as a remote strategy? How do you go about picking an area? And what tools could you use for your desktop research?
Suzi Carter is a fully trained Chartered Surveyor with over 25 years’ experience in commercial property, first in the corporate sector with the likes of CBRE and Kingfisher and more recently as an investor in her own right, so she’s well placed to talk about today’s topic.
This week’s show will let you know!
During the show, we discuss:
Comparison of commercial property investment versus residential.
Benefits of commercial property in terms of tenant potential and rental valuation.
Importance of speaking to a broker for understanding financial capabilities.
Recommendations for research tools like Nimbus and Searchland for property assessment.
Market Trends and Opportunity Areas
Industrial properties as a rising asset class.
Importance of Amazon-proof / AI-proof businesses.
Focus on smaller towns and villages with favorable supply-demand dynamics.
Specific mention of market towns in the southeastern Midlands area.
Importance of selecting a niche based on location, property type, or personal interests.
Desktop research and understanding personal finance capacity using reliable brokers.
Recommended prop tech tools for analysis and reading local news for market insights.
Engaging with local commercial agents and establishing credibility.
Discussions on SSAS pensions for property investments.
Financing options such as bridging loans, cash, or investor finance.
Emphasis on active management to add value to investments.
We help time poor professionals get a good return on their money by investing with us. Schedule a call
Lots of people in property talk about passive income and dangle the expression in front of us like a carrot in front of a donkey.
It’s a very simple expression to say, but much harder to achieve, particularly if we’re talking about investing directly in bricks and mortar as opposed to by less direct methods.
So we got the opinions of:
Sean the Property Tax Accountant Helen Godbold-Eade Bronwen Vearncombe Stuart Lordan Danny Inman Julian Maurice Jerry Alexander Guillaume Black
This is a must listen episode!
It will give you all the factors you need to be aware of and all the questions you might want to ask the next time someone starts selling you the passive income dream.
Observe the Masses & Open a Holiday Let During Covid!
16 Oct 2024
00:36:50
#177
Are you looking for an example of someone who observed the masses and did the opposite?
Are you tempted by Serviced Accommodation?
Have you thought about investing in a large holiday let?
Are you up to speed with the proposed changes in short stay legislation?
Have you ever wondered whether hot tubs are worth the hassle?
If any of the above applies to you, Phil Saunders, writer for YPN magazine covers all of the above and much much more!
Phil's story has loads of lessons for us all and he also has some handy tips for picking a serviced accommodation managing agent, so make sure you listen to the end.
I'd Like Help With Setting My Goals (Download a Free Comprehensive Cheat Sheet PDF)
This episode takes you through:
The Importance of Setting Property Goals and starting with the end in mind
Working out the "why" of property investment
Assessing Your Current Situation
Your Available resources: capital, equity, skills, time
Networking and partnership considerations
Balancing investment time versus personal life
Scientific Methods for Goal Setting as identified by James Clear
Envisioning the pain you're willing to endure
Systems and Habits Over Goals
Rudder and oars analogy for goals and systems
Selective focus: Warren Buffett’s 2 List Strategy and Ivy Lee Method
Habit Stacking: definition and examples
Using environmental design to influence habits
Maintaining a Positive Environment
The influence of your surroundings on mindset
Measurement and Progress Evaluation
Thr Paperclip Strategy for measuring success
Keywords expat property, UK property portfolio, goal setting, property strategy, Richard Brown, expat investing, property goals, James Clear, atomic habits, reverse engineering, property investment, mindset, Warren Buffett's 2 list strategy, Ivy Lee method, habit stacking, selective focus, choice architecture, paperclip strategy, property education, property network, investing in property, UK real estate, investment strategy, property portfolio, real estate systems, property business, podcasts, property books, network meetings, property mindset.
How to Get Started in UK Commercial Property Investing
02 Oct 2024
00:46:12
#175
Have you thought about investing in UK commercial property instead of or as well as residential?
Jerry Alexander is the host of the brilliant Commercial Property Investor Podcast, so he is the perfect person to answer all your questions on this underrated sector of UK property investing.
Along the way you’ll hear about the differences and similarities between the two sectors and how you might get started as an expat commercial investor in UK property.
During the show, you will learn about:
Active versus passive involvement.
Different tiers of commercial property accessibility
The importance of underlying demand
The importance of concentrating on one area.
Starting with smaller investments or strategies to raise initial capital.
Institutional investors, like pension funds, are increasingly interested in CMOs.
Importance of understanding both visible and invisible market trends.
Rent Adjustment Impact: Increasing rent or changing tenant agreements can significantly impact the property's value.
Starting Simple: Start with vanilla properties to learn the market and establish relationships with reliable commercial agents.
Leveraging capital allowances can reduce tax burdens on the investment portfolio.
Dilapidations Clauses, which can reduce the effective price of a property by up to 30%.
Urban Planning & Development.
Long-term changes in shopping habits and retail space usage.
Impact of Business Rates on the viability of retail spaces.
Charity shops filling spaces previously occupied by high-end retailers.
How Commercial Multiple Occupancy (CMO) increases potential tenant pool and cash flow.
Flex spaces: buildings with flexible lease terms and adaptable unit sizes.
Short-term, 12-month licenses allowing easier adjustments for tenants in terms of space size and lease extension.
Commission Structure for Commercial Agents
Useful Data Sources: Office for National Statistics, CoStar, Nimbus, and Property Data platforms.
Deciding whether to find a customer first or a building first.
Licenses vs. Leases
Market Research & Selecting Areas for Investment
Identifying Opportunities
Practical Advice for Remote Investors
We help time poor professionals get a good return on their money by investing with us. Schedule a call
Details of where to meet other Expat Property Investors (For FREE!!!):
Hong Kong: Pacific Coffee, 2/F, Central Building, Central (first Saturday of each month from 11:30 am)
Dubai: Holiday Inn, Science Park (first Wednesday of each month from 7pm)
Singapore: The Providore at VivoCity (first Saturday of each month from 10:30 am)
An Inspirational Expat Property Story from New Zealand
25 Sep 2024
00:31:12
#174
One of the aims of this podcast is to demonstrate what’s possible for you as a remote investor in UK property.
And to showcase expats who are pushing the boundaries of what’s achievable.
So if I told you that today’s guest self-managed their serviced accommodation business in Norfolk from their home in New Zealand while in full-time employment and with three children under two, would you believe me?
How about if I then told you they went on to build 8 new build houses for social housing in New Zealand?
Download now for an incredible Expat Property Story!
We help time poor professionals get a good return on their money by investing with us. Schedule a call
Details of where to meet other Expat Property Investors (For FREE!!!):
Hong Kong: Pacific Coffee, 2/F, Central Building, Central (first Saturday of each month from 11:30 am)
Dubai: Holiday Inn, Science Park (first Wednesday of each month from 7pm)
Singapore: The Providore at VivoCity (first Saturday of each month from 10:30 am)
Details of where to meet other Expat Property Investors (For FREE!!!):
Hong Kong: Pacific Coffee, 2/F, Central Building, Central (first Saturday of each month from 11:30 am)
Dubai: Holiday Inn, Science Park (first Wednesday of each month from 7pm)
Singapore: The Providore at VivoCity (first Saturday of each month from 10:30 am)
Keywords
remote UK property investors, expat property investors, Norfolk serviced accommodation, Wellington social housing portfolio, property management, full-time working parents, raising toddlers, UK property market challenges, relocating to New Zealand, selling Bristol home mistake, Airbnb hosting, Thetford property, Sykes Cottages rejection, self-managing accommodation, smart entry systems, direct property bookings, employment-based short-term lets, standard AST, New Zealand property development, social housing development, property portfolio in Wellington, demolishing and rebuilding property, Trade Me marketplace, NZ tax adviser, international tax considerations, trust for property protection, asset retention, avoiding mainstream news, Edinburgh property investment, 2-bedroom flats investment.
Change Means Opportunity: The Renters' Rights Bill with Jonathan Rolande
18 Sep 2024
00:31:39
#173
Last week was a huge one for the sector after the new government gave the Renters' Rights Bill its first reading in parliament.
The bill has massive implications for tenants, landlords, investors and everyone else connected to housing in the UK.
As an investor, you need to make sure you understand all the likely changes.
Change Means Opportunity and opportunity means money. And we all need money to do the things we want to do, right?
This week, we’ve invited Jonathan Rolande, a man who’s made over 700 property purchases and sales in a 30+ year career.
Jonathan has featured in national press, trade journals and landlord blogs.
He's appeared on national TV and radio so he definitely warrants the title property expert.
During the episode we discuss the opportunities that are bound to emerge from the disruption to the satus quo caused by Labour’s rebranding as the party to solve the housing crisis, so make sure you listen to the end!
This episode explains the implications behind the seven headline elements of the Renters' Rights Bill:
1. End of Section 21, the so-called ‘no fault eviction’
2. The Abolition of Fixed term tenancies
3. Market rate rent increases only
4. No discrimination against tenants with families or on benefits
5. The Decent Homes Standard to be extended to the Private Rental Sector
6. Compulsory membership of a new Ombudsman Scheme
7. A new landlord database
We help time poor professionals get a good return on their money by investing with us. Schedule a call
Details of where to meet other Expat Property Investors (For FREE!!!):
Hong Kong: Pacific Coffee, 2/F, Central Building, Central (first Saturday of each month from 11:30 am)
Dubai: Holiday Inn, Science Park (first Wednesday of each month from 7pm)
Singapore: The Providore at VivoCity (first Saturday of each month from 10:30 am)
Keywords
Expat Property Story, UK property sector changes, legislative reforms 2024, Renter’s Reform Bill, Renter’s Rights Bill, Section 21 no fault evictions, abolition of fixed term tenancies, periodic tenancies, market rate rent increases, tenant discrimination ban, Decent Home Standard, private rented sector, compulsory ombudsman membership, new landlord database, tenant security, landlord regulations, managing agents role, tenant vetting, property investment traits, empathy in property investment, vulnerable clients, current market trends, landlords exiting market, reduced property supply, rent increases, higher-spec properties, competition among renters, rental sector improvement, historical negative perceptions of landlords, social housing demand, housing reforms.
Expat Property Toolbox: More Essential Resources From R-Z
11 Sep 2024
00:26:24
#172
You should listen to this episode if you’re looking for ways to get to your UK Property objectives that little bit quicker.
Even if you know these resources, download anyway to hear alternative ways to use them. I can almost guarantee you’ll find inspiration for your own story one way or another.
In this episode we discuss:
R for Rightmove: Everyone knows this well-known property portal but have you thought of using it to to find investment locations by working out the median prices of properties?
S for Spare Room: A great resource for HMO research, understanding the competion, and tenant demand.
T for Tax Café: Essential books for tax planning, including tips for non-residents and non-doms.
U for UK Finance: Provides comprehensive data and analysis on banking and finance industry activity.
V for VPN: Frustrated by being blocked from Utility Companies’ websites ? A VPN can help you access UK services from abroad by encrypting data and masking IP addresses.
W for Word: Useful for journaling, transcription, and maintaining an organized body of content. An obvious one, but still essential in my book!
X for Excel: Xerox nearly made it but I don’t know enough about it to do it justice. So, even though this piece of Microsoft magic begins with an E, we plumped for Exce: ideal for deal analysis, cash flow forecasting, and task management. Couldn’t live without it!
Y for YouTube: A treasure trove of free property advice and tutorials, though watch out for the ads!
Z for Zoopla: It was nearly Zapier, and in the episode we talk about other To-Do-List tips and tricks, but in the end we chose Zoopla. Another property portal that's great for price history and additional insights.
We help time poor professionals get a good return on their money by investing with us. Schedule a call
Details of where to meet other Expat Property Investors (For FREE!!!):
Hong Kong: Pacific Coffee, 2/F, Central Building, Central (first Saturday of each month from 11:30 am)
Dubai: Holiday Inn, Science Park (first Wednesday of each month from 7pm)
Singapore: The Providore at VivoCity (first Saturday of each month from 10:30 am)
Keywords: UK property objectives, property resources, investment location, Rightmove, buy to let strategy, property investment, median price, property reconfiguration, HMO strategy, spare room, tenant demand, landlord research, property tax planning, TaxCafe, UK Finance, VPN service, Microsoft Word, journaling for investors, property spreadsheet, financial control, Google Docs, property data analysis, check my file account, Zoopla, UK property listings, property portals, rental properties, property price history, UK property research, property podcasts.
More Must-Use Resources for UK Property Investing
04 Sep 2024
00:23:43
#171
Do you have a favourite resource that helps you get the best results when investing in UK Property?
Are you interested in new ones to take your Expat Property Story to the next chapter?
Are you looking for new ways to use your existing resources?
For over seven years now, we’ve been collecting resources and inputting them on an XL spreadsheet.
In this 4 part mini-series of essential resources for Expat property investors in UK property, we’ve chosen the best resources for each of the 26 letters of the alphabet.
And even if some of them may sound obvious, stick around for new ideas about how to use them!
In this episode:
J is for jargon busting: Dive into resources to decode property jargon and gain a deeper understanding of key terms. Here are three Jargon Busting websites: Right Move / Zoopla / Property Mark
K is for Klevio: Explore the advantages of a smart keyless access system for apartments and businesses.
L is for Locating: Uncover the largest and most comprehensive source of school and local area information in the UK.
M is for mindset: Learn about the importance of harnessing the power of the mind for resilience and determination in property investing.
A resource giving consumers online access to their credit report and credit score. It's the only UK provider with data from Equifax, Experian and TransUnion, the three main credit reference agencies in the UK, each of which holds slightly different information on your credit history.
A resource for due diligence on postcodes and location data with features such as distance calculations, boundary mapping, house price statistics and the ability to generate random postcodes, addresses, and phone numbers for accessing information on websites.
We help time poor professionals get a good return on their money by investing with us. Schedule a call
Details of where to meet other Expat Property Investors (For FREE!!!):
Hong Kong: Pacific Coffee, 2/F, Central Building, Central (first Saturday of each month from 11:30 am)
Dubai: Holiday Inn, Science Park (first Wednesday of each month from 7pm)
Singapore: The Providore at VivoCity (first Saturday of each month from 10:30 am)
Keywords Expat Property Guy, investing in property, destination, property story, listeners, UK property, resources, short term rental, interest rates, expats, serviced accommodation, legislation, planning, taxation, government, auction season, Dave Goodfellow, 4 pillars, data led decision making, price per night, occupancy rate, fixed costs, variable costs, net profit, Mark Simpson, off plan blocks, AirDNA, insurance, reinstatement value, BCIS, credit file, check my file, doogle.co.uk
Return on Impact with Ruth Hunter
14 Aug 2024
00:41:00
#168
More and more expats are getting in touch with us asking about supported living as a UK Property investment strategy.
Many are attracted by the lower maintenance costs, absence of voids and the fact that it makes cashflow forecasting that much easier, knowing exactly how much a particular property will generate for an extended period of time.
Return on Capital Employed is the go to metric for amny UK property investors.
- "Return on impact" and social impact of investing in supported living
- Identifying demand for supported living: speaking to care workers, council commissioners, housing providers, researching local social housing commissioning teams
- Building relationships with housing providers and understanding the process of getting contracts and leases right
- Importance of understanding the criteria and needs of providers before acquiring a property for supported living
- Increased expat interest in supported living due to lower maintenance costs, easier cash flow forecasting, appeal of helping vulnerable sections of society
- Shift from HMOs for young professionals to supported living for social housing, prioritizing impact over financial return
- Local housing authority rates and working on a CIC framework to claim enhanced rates
- Skepticism about the viability and legality of rent to rent deals.
We help time poor professionals get a good return on their money by investing with us. Schedule a call
Details of where to meet other Expat Property Investors (For FREE!!!):
Hong Kong: Pacific Coffee, 2/F, Central Building, Central (first Saturday of each month from 11:30 am)
Dubai: Holiday Inn, Science Park (first Wednesday of each month from 7pm)
Singapore: The Providore at VivoCity (first Saturday of each month from 10:30 am)
Keywords Subletting, Commercial properties, Mortgage companies, Supported living properties, Lenders, Property investment, Social housing, Public speaking, Adaptable investing, Property market, Passionate investment, Returns, Ruth Hunter, Veradis Properties, Supported living profitability, Care package, Return on impact, Demand for supported living, Housing providers, Leases, Solicitor, Community interest company, Corporate lets, Expats, Property show, Joint venture, Accessible housing, HMOs, Hands-off investment, Cheltenham, Gloucester, Rent to rent
How to Uplift the Value of a property from 133K to 479K
07 Aug 2024
00:24:54
#167
Would you like to know how to turn a three bed or even a two bed terraced house into a 6 bed all ensuite HMO, raising its value from 133K to 479K or more?
What you like a glimpse into how this business model works?
Would you like to understand the risks and how to mitigate for them?
It’s not as easy as the course pushers would have you believe. But it IS possible and people ARE doing it.
In this episode, we discuss:
- Converting a 3 bed or 2 bed terraced house into a 6 bed en suite HMO
- Detailed account of one of the recent investment projects in Derby
- Exploring risks and risk mitigation
- The one size fits one approach to working with investors
- Tailored investment proposals based on individual aims and risk tolerance
- How to replicate our business model OR invest with us
- Ethical investing and social impact
- The process of project exit and interest payments for investors
- Importance of maintaining continuous investment with lower interest rates
- Differentiating between high-return and high-security investments
- Understanding the valuation process and its relevance to fund investor repayment
- The significance of article 4 areas and potential valuation impacts
- Detailed analysis of Derby for investment prospects in terms of Infrastructure, employment, and population dynamics
- The modern method of auction and its benefits in our Business model
- Investment appeal for individuals with idle funds
- The possibility of investing in property without being involved in property management
- The approach to valuing properties and choosing the right valuers
- The impact of article 4 designation on investment returns
Primary Topic: Case Studies and Support Materials
- Case study of a specific property investment project
- The role of article 4 designation in property valuation
- Personal experience of investing in Derby, including on-site research
- Dealing with challenges and frustrations in property investment
- The modern method of auction
We help time poor professionals get a good return on their money by investing with us. Schedule a call
The Reality of Building a UK Property Portfolio with Rod Turner
24 Jul 2024
00:42:00
#165
Is property still the best way to build wealth?
Is it still worth all the effort and aggravation.
How long does it take to build a portfolio to see you through your later years or pass onto your children or grandchildren.
How much money will it take.
These are just some of the questions we’re looking at in this week’s show, which will definitely get you thinking about your long term goal and how to achieve it.
And we have just the man to do that for you.
Rod Turner, host of The Rodcast Podcast first appeared on this podcast in Episode 42 and delivered my favourite four words out of the nearly 888,000 odd words spoken on this podcast so far. And the four words were:
Don’t talk, just do!
But in this episode, Rod adds some caveats by looking at the realities of building a residential property portfolio and cites a hypothetical UK property portfolio builder
Rod’s imaginary investor starts his/her property investing story with a pot of 250K
After 7 years, with profits reinvested, the portfolio is worth £5 Million
Portfolio Value: £5 Million
Equity at 25%: £1.5 Million
Mortgage at 75% LTV: £3.5 Million
Rent Roll per year (assuming 7% yield): 350K
Mortgage Costs per year (assuming 5%): 187.5K
Maintenance: 35K
Management Fees: 42K
Other Portfolio Costs (accountancy, insurance etc.): 15K
Voids & Arrears: 17.5K
Profit: 53K
Corporation Tax: 10K+
Dividend tax £2610 (assuming no other personal income) Net income for the shareholder £40,290
During this episode, we discuss:
Investment strategies and opportunities in the UK property market
- Whether property is still the best way to build wealth
- Importance of taking action and proving oneself as a reliable buyer in the property market
- Learning from mistakes and continuously seeking deals and capital
- Analyzing investments against tax-free ISAs and considering the effort required
- The underestimated factor of time in property investment
- Buy-to-let properties and potential total returns over a longer period
- Cash flow and capital growth not being mutually exclusive
- Consideration of affordability and potential for disproportionate increases in household incomes
- Importance of the internal rate of return (IRR) in building wealth through investments
- Investment focus on retirement and private equity shift to a fixed income model
- Challenges of achieving a true fixed income model in property
- The significance of annualizing investment metrics and forecasting
- Importance of adaptable property models to maximize returns
- Consideration of management team and investor's unique skills
- The need to start small and scale up
- Potential opportunities in catering to the UK's aging population
- Importance of wealth in providing opportunities for retirement and investment
- Subjective nature of retirement planning and individual needs
- Opportunities presented by an aging population in the UK
We help time poor professionals get a good return on their money by investing with us. Schedule a call