The Commercial Property Podcast – Details, episodes & analysis

Host: Suzi Carter
Episode Title: What is Commercial Property

In this foundational episode of the Commercial Property Podcast, Suzi Carter dives into the basics of commercial property. With over 30 years of experience as a chartered surveyor and commercial property investor, Suzi unpacks what defines commercial property, how it differs from residential property, and why understanding this distinction is crucial for investors.

Whether you’re an experienced property investor or just beginning your journey into the world of commercial real estate, this episode sets the stage for everything you need to know about the fundamentals of commercial property.

1. What is Commercial Property?

• Commercial property is defined as property occupied by businesses, with various use classes and valuation methods.
• The key distinction between commercial and residential property lies in valuation methods: commercial properties are typically valued based on the income they generate.

2. The Range of Commercial Property Types:

• From retail, offices, and industrial units to alternative sectors like leisure and hotels, Suzi explains how the wide variety of commercial property creates diverse opportunities for investors.
• Flex units and Class E properties are highlighted as particularly versatile options for investors.

3. Why Niching Matters in Commercial Property Investing:

• Suzi emphasises the importance of focusing on a niche to become an expert in a specific area, whether by property type, location, or investment strategy.
• Niching allows investors to better understand tenant demand, lease terms, rents, and property pricing.

4. Market Trends and Opportunities:

• Suzi explores how trends such as changes in retail, industrial growth, and local infrastructure development impact commercial property opportunities.
• The importance of understanding supply and demand dynamics to identify high-potential areas.

5. How to Get Started:

• Suzi recommends getting out into the market—walking high streets, visiting industrial parks, and talking to agents—to develop an understanding of what’s available and where the opportunities lie.

Commercial property offers diverse opportunities for investors, but success begins with understanding the basics and honing your focus through niching. The market is rich with potential, especially for those willing to learn, explore, and take action.

Subscribe & Stay Tuned: Don’t miss an episode! Hit Subscribe now to get weekly updates and start your journey to commercial property success.

Connect with Suzi:

Website - https://suzicarter.com
Are You Ready To Invest in Commercial? - https://commercialpropertyscorecard.scoreapp.com 
Join Suzi's Commercial Property Quickstart - https://www.commercialpropertyacademy.co.uk/quickstart
Connect with Suzi - https://www.linkedin.com/in/suzicarter-commercialpropertycoach/ 

Host: Suzi Carter
Episode Title: Welcome to the Commercial Property Podcast

Welcome to the very first episode of the Commercial Property Podcast, hosted by Suzi Carter, a chartered surveyor with over 30 years of experience in the UK commercial property sector. Suzi has an extensive corporate background, having completed hundreds of commercial property deals. Now an investor herself, she helps SME investors navigate and thrive in the world of commercial real estate.

In this pilot episode, Suzi introduces the podcast, shares her background, and outlines what you can expect from future episodes. Whether you're an experienced investor or just starting to explore commercial property, this podcast is your go-to resource for expert insights, market opportunities, and practical strategies to build your confidence and success in commercial property investing.

What You’ll Learn in This Episode:

1. What the Podcast is All About

   • Education-focused content covering all aspects of commercial property.
   • Interviews with key experts in the field.
   • Updates and insights on market trends and opportunities.

2. Who This Podcast is For:

   • Experienced investors looking to deepen their expertise.
   • Newcomers dipping their toes into commercial property for the first time.
   • Anyone curious about the potential of commercial real estate investing.

3. Why Commercial Property Doesn’t Have to Be Overwhelming:

   • Suzi dispels myths around commercial property being too expensive or complicated.
   • Learn why commercial real estate is accessible and profitable with the right guidance.

4. What’s Coming Next:

   • Weekly episodes packed with actionable tips, expert interviews, and real-world strategies.
   • A journey into understanding how to make commercial property work for you, no matter your experience level.
     
     

Key Takeaway:

Commercial property investing doesn’t have to be intimidating. Suzy is here to guide you through the process, bust myths, and provide the tools you need to succeed—whether you're just starting or ready to take your investments to the next level.

Subscribe & Stay Tuned:

Don’t miss an episode! Hit Subscribe now to get weekly updates and start your journey to commercial property success.

Connect with Suzi:

• Website - https://suzicarter.com
• Are You Ready To Invest in Commercial? - https://commercialpropertyscorecard.scoreapp.com 
• Join Suzi's Commercial Property Quickstart - https://www.commercialpropertyacademy.co.uk/quickstart
• Connect with Suzi - https://www.linkedin.com/in/suzicarter-commercialpropertycoach/ 

Next Episode:
Catch the next episode, where Suzi dives into the key benefits of commercial property investing and why now might be the perfect time to start.

Episode 2 - Why Invest in Commercial Property
Host: Suzi Carter
Episode Title: Why Invest in Commercial Property

In the second episode of the Commercial Property Podcast, Suzi Carter explores the reasons why commercial property is a powerful addition to any investment portfolio. Drawing on her 30+ years of experience as a chartered surveyor and commercial property investor, Suzi unpacks the key benefits of commercial property, its role in diversifying investments, and the opportunities it offers for long-term growth and stability.

Whether you’re a residential investor considering a shift to commercial property or a complete beginner, this episode is packed with insights to help you determine if commercial property is the right fit for your goals.

What You’ll Learn in This Episode:

1. Why Commercial Property is a Portfolio Game-Changer

   • How commercial property helps balance risk and return in your investment portfolio.
   • The benefits of longer leases and inflation-linked rent reviews compared to residential properties.

2. The Importance of Knowledge and Preparation

   • Why understanding the commercial market is essential to avoiding mistakes and maximising opportunities.
   • How to spot value-add opportunities like lease restructuring, tenant negotiations, and asset management.

3. Different Ways to Invest in Commercial Property

   • Indirect options like property funds and REITs for hands-off investors.
   • Direct investments, including secure long-term leases and hands-on asset management strategies.

4. The Tax Advantages of Commercial Property

   • Insights into capital allowances, stamp duty benefits, and VAT considerations.
   • How these tax perks can significantly enhance your returns.

5. Finding the Right Tenants and Properties

   • The importance of tenant covenant checks and securing inflation-linked rent reviews.
   • Why niching and targeting high-demand, low-supply markets can deliver standout returns.

Key Takeaway:

Commercial property offers investors a wealth of benefits, from long leases and tax advantages to unique value-add opportunities. While it’s not for everyone, it’s an asset class with unparalleled potential for those willing to learn and take action.

Subscribe & Stay Tuned:
Don’t miss an episode! Hit Subscribe now to gain expert insights and start your journey to commercial property success.

Connect with Suzi:

Website: https://suzicarter.com
Are You Ready To Invest in Commercial?: https://commercialpropertyscorecard.scoreapp.com
Join Suzi's Commercial Property Quickstart: https://www.commercialpropertyacademy.co.uk/quickstart
Connect with Suzi on LinkedIn: https://www.linkedin.com/in/suzicarter-commercialpropertycoach/

Host: Suzi Carter

As we enter 2025, the commercial property market presents a unique set of opportunities for investors. In this episode, Suzi Carter unpacks her insights, based on over 30 years of experience, to help you understand where the market is heading and how to capitalise on the current "window of opportunity."

Whether you’re a seasoned commercial investor or just starting out, this episode will equip you with the knowledge and strategies needed to make informed decisions in this evolving market.

• The impact of the 2022 mini-budget and where the market stands now.
• Which sectors are stabilising, rising, or falling—spotlight on secondary offices, industrial, and retail warehouses.
• Why "the window of opportunity" for buying at the right price remains open in 2025.

• How to plan for potential "black swan" events and economic shifts.
• The importance of being prudent with financing and protecting your downside.
• Why contingency planning and multiple exit strategies are essential for successful investing.

• Investing for yield vs. yield compression—how to decide which approach suits your goals.
• The power of "easy money" through paper-based asset management:
  • Letting vacant properties and achieving value uplift.
  • Subdividing space to meet demand and maximise rent.
• The importance of due diligence and understanding local market dynamics.

• How to align your life goals with your investing strategy.
• Why starting with the end in mind is crucial for building a portfolio that supports your ideal life.

2025 offers significant opportunities for commercial property investors who are ready to act. By understanding market dynamics, protecting against potential risks, and focusing on smart, strategic investments, you can position yourself for success in this evolving market.

Don’t miss an episode! Hit subscribe now to stay ahead of the curve in commercial property investing.

• Website: https://suzicarter.com
• Are You Ready to Invest in Commercial?: https://commercialpropertyscorecard.scoreapp.com
• Join Suzi's Commercial Property Quickstart: https://www.commercialpropertyacademy.co.uk/quickstart
• Connect on LinkedIn: https://www.linkedin.com/in/suzicarter-commercialpropertycoach/

Episode 4 - Building Your Power Team for Commercial Property Investing
Host: Suzi Carte

In this episode of the Commercial Property Podcast, Suzi Carter breaks down one of the most critical elements of successful commercial property investing: building your team.

Drawing from her 30+ years of experience in the commercial property industry, Suzi shares insights on the key professionals you need in your corner to invest safely, efficiently, and profitably.

Whether you’re just starting out or looking to optimise your existing investments, this episode is packed with actionable advice to help you build a team that can save you money, mitigate risks, and unlock opportunities.

What You’ll Learn in This Episode:

1. Why Teamwork is Crucial for Success:

   • The importance of surrounding yourself with the right professionals to avoid costly mistakes.
   • How a collaborative approach can elevate your investing journey.

2. The Essential Players in Your Commercial Property Power Team:

   • Commercial Solicitors: Why a specialist is non-negotiable for lease renewals, rent reviews, and property transactions.
   • Property-Specific Accountants: The tax-saving strategies and structuring advice that can optimise your investments.
   • Finance Brokers: How they can unlock the "art of the possible" and secure the best deals for your needs.
   • Capital Allowances Surveyors: The massive tax advantages they can help you claim and why 95% of property owners leave money on the table.
   • Building Surveyors: Ensuring you know what you’re buying and avoiding unexpected repair costs.
   • Commercial Agents: Building relationships to access off-market deals and maintain credibility.

3. Specialist Roles You May Need Along the Way:

   • Managing agents to oversee multi-let properties.
   • Dilapidation surveyors to enforce tenant repair obligations.
   • Landlord and tenant surveyors for rent reviews and lease renewals.

4. How to Build and Maintain Great Relationships:

   • Tips for working effectively with agents and other professionals.
   • Why commercial property is a relationship-driven business.

Key Takeaway:
Commercial property investing isn’t a solo game. To invest safely and maximise returns, you need a strong team of specialists who can provide expert advice, unlock opportunities, and handle the complexities of the market. Building the right team is an investment in your success.

Subscribe & Stay Tuned:
Don’t miss an episode! Hit Subscribe now to gain expert insights and accelerate your journey to commercial property success.

Connect with Suzi:

• Website: https://suzicarter.com
• Ready to Invest in Commercial Property?: https://commercialpropertyscorecard.scoreapp.com
• Join the Commercial Property Quickstart: https://www.commercialpropertyacademy.co.uk/quickstart
• Connect with Suzi on LinkedIn: https://www.linkedin.com/in/suzicarter-commercialpropertycoach/

Episode 3 - Building Wealth with Commercial Property (Unlocking the Power of SSAS for Commercial Property Investment)
Host: Suzi Carter
Guest: Kevin Whelan, Founder of WealthBuilders

In this episode of the Commercial Property Podcast, Suzi Carter is joined by wealth-building expert Kevin Whelan to discuss the incredible potential of SSAS pensions for wealth creation and commercial property investing. With over 30 years of financial expertise, Kevin explains how taking control of your pension can unlock a powerful tool for creating wealth, particularly through commercial property.

Together, Suzi and Kevin explore the unique benefits of SSAS pensions, how they differ from SIPPs, and why they’re such a game-changer for business owners and property investors.

If you’re curious about using your pension to accelerate your property journey or looking to gain clarity on SSAS opportunities, this episode is packed with actionable insights and inspiring stories.

What You’ll Learn in This Episode:

1. What is a SSAS Pension?

   • The fundamentals of a SSAS (Small Self-Administered Scheme) and how it enables greater control over your investments.
   • The distinction between SSAS and other pension schemes like SIPPs.

2. Why a SSAS is a Game-Changer for Commercial Property Investors:

   • How SSAS allows you to invest directly in commercial property or lend funds to your business.
   • The ability to pool resources with family members and create a “family bank.”

3. How to Build Wealth Inside and Outside Your Pension:

   • Strategies for using SSAS to generate tax-free income and capital growth.
   • Lending to your business through a SSAS loan-back facility and using it to fund investments today.

4. The Collaborative Advantage:

   • Why embracing the "Who Not How" mindset accelerates success.
   • Building a power team of professionals to optimise your wealth-building strategy.

5. Real-Life Success Stories:

   • How investors have leveraged SSAS to transform their financial futures through commercial property.

Key Takeaway:

SSAS pensions are one of the most versatile and powerful tools for commercial property investors, enabling greater control, collaboration, and wealth creation. Whether you’re looking to build income for today or secure your future, this episode highlights why SSAS should be on every investor’s radar.

Subscribe & Stay Tuned:

Don’t miss an episode! Hit Subscribe now to gain expert insights and accelerate your journey to commercial property success.

Connect with Suzi & Kevin:

• Website: https://suzicarter.com
• Explore SSAS with Kevin Whelan: https://www.wealthbuilders.co.uk/commercialproperty
• Ready to Invest in Commercial Property?: https://commercialpropertyscorecard.scoreapp.com
• Join the Commercial Property Quickstart: https://www.commercialpropertyacademy.co.uk/quickstart
• Connect with Suzi on LinkedIn: https://www.linkedin.com/in/suzicarter-commercialpropertycoach/

Host: Suzi Carter
Episode Title: Why Commercial Leases are Actually Quite Exciting!

In this episode, Suzi Carter delves into the intricacies of commercial leases, emphasizing their critical role in property valuation and investment. She explains how commercial property is valued differently from residential property, focusing on rental income and risk assessment.

The discussion covers essential lease clauses, the significance of tenant quality, and strategies for enhancing property value through effective lease management. Suzi highlights the potential for substantial returns by understanding and leveraging commercial leases in property investment.

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1. Understanding Commercial Leases: 

• Why Commercial leases aren’t boring, but are instead a value engine which have the ability to increase commercial property values!
• Gain a comprehensive understanding of what commercial leases are 
• How they play a critical role in property investment.
• Learn how these leases differ from residential leases and the factors that influence commercial property value. 

2. The Importance of Lease Clauses: 

• Discover the key lease clauses that investors should prioritise. 
• How these clauses can significantly impact rental income, risk management, and the overall success of the investment.

3. Strategies for Adding Value through Leases: 

• Explore effective strategies for maximizing property value through lease management. 
• Tips on negotiating favorable terms, extending short leases, and managing tenant relationships for long-term success.

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• Commercial leases are essential for creating value in property investment and for tat reason are far from boring!
• Investors prefer long leases with upward-only rent reviews for stability.
• Full repairing and insuring leases reduce landlord responsibilities and create ‘hands off’ income.
• The quality of tenants and lease length are crucial factors influencing property value.
• Paper-based asset management can enhance a property’s valuation.

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Don’t miss an episode! Hit subscribe now to gain more insights into commercial property investing and tax strategies.

To find out more about commercial property, Suzi is doing 2 full day Board-level Commercial Property Blueprint training days in January and February.  Click here for more details, or to register https://www.commercialpropertyacademy.co.uk/blueprint-masterclass

Visit https://suzicarter.com to find out more about commercial property and to register for Suzi’s weekly newsletter which will deliver up-to-date commercial property advice direct to your inbox!

Host: Suzi Carter
Episode Title: Mastering Property Tax for Commercial Property Investors

In this episode of the Commercial Property Podcast, Suzi Carter is joined by Andrew and Nick from Property Tax People, experts in navigating the complexities of tax for property investors. Together, they delve into the critical tax considerations for UK and overseas investors in commercial property, ensuring you have the insights needed to optimise your investment strategy while staying compliant with tax laws.

Whether you're a UK-based investor, an expat, or considering overseas investments in the UK, this episode is packed with invaluable advice to help you mitigate tax risks and make informed decisions.

• How stamp duty differs for commercial vs. residential properties.
• The benefits of commercial stamp duty rates and how to calculate liabilities for freehold and leasehold transactions.
• The role of net present value in calculating stamp duty on leases.

• Why some commercial properties are subject to VAT and how to plan for this upfront.
• The importance of checking whether a property is exempt or VATable before purchase.
• How to mitigate VAT through options like Transfer of a Going Concern (TOGC).

• Key differences in tax treatment for properties owned personally, via partnerships, or through limited companies.
• Changes to CGT rates and their implications for commercial property owners.
• Strategies for structuring ownership to minimise tax burdens.

• How IHT applies to UK property investments, even for non-residents.
• Dispelling myths around inheritance tax exemptions for properties held in companies.
• Why ongoing tax planning is critical as laws and governments change.

• The UK tax obligations for rental income and gains on UK property, regardless of residency.
• The role of double taxation treaties in avoiding duplicate tax liabilities.
• Unique benefits and risks for expats investing in the UK commercial property market.

• Get Expert Advice Early: Engage a property tax specialist as soon as your offer is accepted to ensure the most tax-efficient structure for your investment.
• Start with the End in Mind: Plan for potential exit strategies and ensure your structure supports flexibility without compromising on tax efficiency.
• Stay Informed: Keep up with changes in tax laws and regulations to avoid surprises.
• Leverage the Benefits of Commercial Property: From lower stamp duty rates to tax-efficient investment vehicles like SAS pensions, commercial property offers significant advantages when properly planned.

Don’t miss an episode! Hit subscribe now to gain more insights into commercial property investing and tax strategies.

• Website: https://suzicarter.com
• Are You Ready to Invest in Commercial?: https://commercialpropertyscorecard.scoreapp.com
• Join Suzi's Commercial Property Quickstart: https://www.commercialpropertyacademy.co.uk/quickstart
• Connect on LinkedIn: https://www.linkedin.com/in/suzicarter-commercialpropertycoach/

• Andrew Russell: andrewrussell@ormerodrutter.co.uk
• Nick Farmer: NickFarmer@ormerodrutter.co.uk
• Website: https://propertytaxpeople.co.uk 

Episode 8 - How to Play the Commercial Finance Game

Host: Suzi Carter
Episode Title: How to Play the Commercial Finance Game

In this episode, Suzi Carter delves into the world of commercial finance, emphasising the importance of niching in commercial property investment. She discusses various financing options, the significance of property valuation, and how to align investment strategies with bank lending preferences. 

Throughout the episode, she also talks about how, in the current market, it is important to tailor investment strategies to the preferences of lenders. By understanding what banks look for and aligning their strategies accordingly, investors can improve their chances of securing favourable financing deals.  This will change over time.

By the end of the episode, you’ll have a deeper understanding of how to approach commercial finance, utilise different financing options, and maximise returns through strategic property management and valuation techniques.

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What You’ll Learn in This Episode:

1. Understanding Commercial Finance:

• Explains the fundamentals of commercial finance
• The importance of understanding the financial landscape for property investments
• How the nuances of commercial finance differ from residential
• How investors can navigate these complexities.

2. Valuation Strategies for Commercial Properties

• Discusses the various methods for valuing commercial properties
• How a proper valuation is key to understanding the true value of a property.

3. Creating Multi-Let Spaces for Better Financing: 

• The benefits of developing multi-let spaces—properties with multiple tenants.
• How investors can create these spaces and how they align with better financing opportunities in the current market

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Key Takeaways: 

• Understanding commercial finance can help your sourcing strategy.
• Cash buyers are preferred in a down market for speed and certainty.
• Valuers currently assess properties based on vacant possession value.
• Preparing a valuer's pack can aid in securing better valuations.
• Understanding market demand is crucial for successful investments.

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Subscribe & Stay Tuned:

Don’t miss an episode! Hit subscribe now to gain more insights into commercial property investing and tax strategies.

Join Suzi's Micro-niching Webinar: https://www.commercialpropertyacademy.co.uk/micro-niching-registration1677689997352

To find out more about commercial property, Suzi is doing 2 full day Board-level Commercial Property Blueprint training days in January and February.  Click here for more details, or to register https://www.commercialpropertyacademy.co.uk/blueprint-masterclass

Visit https://suzicarter.com to find out more about commercial property and to register for Suzi’s weekly newsletter which will deliver up-to-date commercial property advice direct to your inbox!

Episode 10 - Starting With the End in Mind - How to plan your property purchases and do inheritance tax planning - with Andrew Drakes

Host: Suzi Carter
Episode Title: Starting With the End in Mind - How to plan your property purchases and do inheritance tax planning - with Andrew Drakes

In this episode, Suzi Carter and Andrew Drakes delve into the complexities of inheritance tax planning, particularly in relation to property investment. They discuss the importance of early planning, the role of wills and trusts, and the various types of trusts available. 

Andrew emphasizes the need for a solid foundation in estate planning to avoid future headaches for heirs. The discussion also covers the implications of business trusts, the differences between holding and selling assets, and the critical role of life insurance in managing inheritance tax liabilities. 

The episode concludes with a call to action for listeners to seek professional advice to ensure their estate planning is effective and tailored to their individual circumstances.
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What You’ll Learn in This Episode:  

1. Understanding Inheritance Tax Liabilities

• How inheritance tax affects property investors
• Key factors that determine tax liability
• Strategies to reduce the tax burden

2. The Importance of Wills and Trusts

• Why a will is essential for estate planning
• How trusts can protect assets and reduce taxes
• Common mistakes to avoid when setting up a will or trust

3. Types of Trusts and Their Benefits

• Overview of different trust structures
• How each trust type impacts inheritance tax
• Choosing the right trust for your estate planning goals

4. The Role of Life Insurance in Estate Planning

• How life insurance helps cover inheritance tax liabilities
• Structuring policies for maximum tax efficiency
• Integrating life insurance with wills and trusts

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Key Takeaways:

• Inheritance tax planning is crucial for all investors
• Trusts can protect assets from inheritance tax.
• Selling assets requires different tax considerations than holding them.
• Life insurance can provide necessary liquidity for tax payments.
• Understanding tax-free allowances is essential for estate planning.
• Professional advice is key to effective estate planning.

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Subscribe & Stay Tuned:

Don’t miss an episode! Hit subscribe now to gain more insights into commercial property investing and tax strategies.

I’m hosting a free live webinar on Wednesday, 19th February 2025, at 12:30 PM, alongside finance expert Jonny Dunn and pension strategist Kevin Whelan, to show you exactly how to Find, Fund & Supercharge a Profitable Commercial Property Portfolio. You can click this link here to register https://wealthbuilders.co.uk/supercharge-commercial-property-suzi

Sign Up to receive Suzi’s weekly newsletter with lots of commercial Property hints and tips  - click the link at https://suzicarter.com 

Learn More from This Episode’s Guests:

Andrew Drakes is a fully STEP-qualified estate planner with a Diploma in Financial Planning and over 10 years of industry experience. Specializing in trust and inheritance tax planning for high-net-worth clients, Andrew combines expertise in estate planning with a strong background in financial services.  

Known for an analytical and solution-focused approach, Andrew thrives on solving complex estate planning challenges. Rather than relying on "off-the-shelf" solutions, he takes pride in working with CTT Private Client, where he has the freedom to think creatively and develop tailored strategies that best serve each client’s unique circumstances.  

Empathy is central to their practice. As a people-oriented professional, Andrew takes the time to truly understand clients' needs, ensuring their estate plans are personalized, effective, and aligned with their long-term goals.

✉️ andrewd@ctt-group.co.uk 
📳01926 514 390 Ext 150

Use the code CPAINTRO to get a free fact finding call with Andrew