In this Market Update episode, we're joined by Mark Shanta, a seasoned estate agent and letting agent, to explore the latest trends in the Scottish property market.

We discuss the key developments from August, including changes in mortgage rates, fluctuations in house prices, and the latest shifts in the rental market. Whether you’re an investor, a first-time buyer, or simply interested in the property landscape, this episode offers valuable insights into what’s happening across Scotland.

Episode Highlights:

• Mortgage Rates:

  • The Bank of England has reduced interest rates slightly, leading to a decrease in mortgage rates, which is positive news for the property market.
  • First-time buyers are showing increased confidence, with many properties selling above home report values and frequently going to closing dates.

• House Prices:

  • The average property price in Scotland has risen by 4.3% over the past year, reaching £192,000.
  • Both hosts predicted a 5% increase in house prices at the start of the year, and the market appears to be on track to meet that prediction.

• Rental Market Trends:

  • Rental prices in Glasgow have seen a decline after sharp increases last year, with some areas experiencing rent reductions.
  • The decline is attributed to the unsustainable rent increases seen in the previous year, leading to a market correction.

• Political and Economic Impacts:

  • The episode discusses the potential implications of Labour’s proposed tax policies, including an increase in capital gains tax, which could affect property investors.
  • The impact of Scotland’s rent control policies is also explored, with a significant rise in rent adjudication requests following the end of the rent cap.

• Census Data Insights:

  • A nearly 30% increase in the number of Scottish homeowners who have paid off their mortgages over the past decade reflects an aging population.
  • The number of households renting privately has risen by 9.5% since 2011, while social renting has slightly decreased.

• Student Accommodation:

  • There has been a 68% increase in the number of people living in student accommodation, driven by the growing demand from international students.

• Challenges in Property Investment:

  • The process of obtaining buy-to-let mortgages through limited companies remains challenging, with extensive paperwork and delays.
  • Potential changes in capital gains tax could impact the decisions of property investors and slow down the market.

Tune in to this insightful episode as Mark Shanta and the hosts delve into the latest market updates, offering expert analysis and practical advice for navigating the current property landscape in Scotland.

---------------------------------- Follow Prime Property Auction on Instagram: Prime Property Auction: https://www.instagram.com/primepropertyauctions/ John: https://www.instagram.com/john_property_auctioneer/ Luis: https://www.instagram.com/luis_property_auctioneer/ Visit Prime Property Auction website: https://primepropertyauctions.co.uk/ ------------------------------------

Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Steven@steven-clark.com

Nick@arcproperty.uk

In this episode of the podcast, we are joined by Willie Rennie, MSP for North East Fife, to discuss the ongoing housing crisis in Scotland. With a severe shortage of affordable homes, especially in areas like St. Andrews, many people are struggling to find suitable accommodation.

The conversation covers the key challenges contributing to the crisis, including planning issues, the impact of short-term lets, and the difficulties faced by those with disabilities in securing adequate housing. Willie Rennie shares his insights on what can be done to address these issues, offering practical solutions and highlighting the need for both government and private sector involvement in building more homes.

• Housing Crisis in Scotland:

  • A severe shortage of affordable housing is affecting many parts of Scotland, particularly in high-demand areas like St. Andrews.
  • The increased demand for both rental properties and homes for purchase has left many people, including those on housing lists, struggling to find suitable accommodation.

• Challenges in the Housing Market:

  • Factors such as inadequate planning, economic recessions, and the complexities of building homes to modern standards are contributing to the crisis.
  • The conversation highlights the particular difficulties faced by people with disabilities in obtaining suitable housing.

• Impact of Short-Term Lets and Second Homes:

  • Short-term lets and second homes are exacerbating the housing crisis in local communities, making it harder for residents to find affordable housing.
  • Willy Rennie supports control areas to cap the number of short-term lets but criticizes the Scottish Government's licensing system as overly burdensome.

• Proposed Solutions:

  • Rennie suggests a rural housing bond to encourage landowners to develop properties for local people rather than for short-term lets or second homes.
  • The discussion also covers the need for a more efficient planning system, with Rennie advocating for speeding up the planning process to increase the supply of housing.

• Government Policy and the Housing Market:

  • The hosts express frustration with the Scottish Government's approach, particularly the rent cap legislation, which they argue has discouraged investment and led to higher rents.
  • Rennie and the hosts agree on the importance of partnership between the government and private landlords and investors to tackle the housing crisis.

• Call to Action:

  • Building more homes is essential to addressing the housing crisis, but this requires a collaborative effort between the government and the private sector, as well as a more streamlined and responsive planning system.

Tune in to this insightful episode as we explore the pressing issues behind Scotland's housing crisis and discuss potential solutions with Willy Rennie, MSP.

---------------------------------- Follow Prime Property Auction on Instagram: Prime Property Auction: https://www.instagram.com/primepropertyauctions/ John: https://www.instagram.com/john_property_auctioneer/ Luis: https://www.instagram.com/luis_property_auctioneer/ Visit Prime Property Auction website: https://primepropertyauctions.co.uk/ ------------------------------------

Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode, we are sitting down with Gemma Russel, the new co-host from Aberdeen, and covers various topics, including personal backgrounds, career transitions, and property investments. Gemma shares her unique journey and insights, offering inspiration and practical advice for listeners interested in property and personal development.

Key Points:

Introduction of Gemma:

• Gemma joins the podcast as a new co-host.
• She discusses her background and previous reluctance to travel to Glasgow due to personal reasons.

Gemma's Career Journey:

• Started with various jobs, including working in windows, at her dad's bookies, and offshore as a stewardess and radio operator.
• Transitioned to recruitment and later found success in network marketing with Forever Living, earning significant income.
• Emphasizes the importance of personal development, citing influences like "The Secret."

Challenges and Learning:

• Gemma shares her experience of managing multiple jobs and the struggle of balancing work with being a single mother.
• Talks about the financial ups and downs and the importance of understanding business fundamentals, not just sales.

Personal Impact:

• Discusses the impact of her mother's suicide on her life and the importance of mental health awareness.
• Highlights her passion for helping others through her work as a clinical hypnotherapist.

Property Investments:

• Transitioned into property investment, starting with a mentorship program and purchasing properties in Carrick and a five-bed house in Fochabers.
• Shares experiences and lessons learned from property renovations and the challenges of managing multiple projects simultaneously.
• Successfully flipped properties, highlighting a significant profit from a three-bed house in Carrick.

Service Accommodation:

• Discusses the profitability of her Airbnb in Fochabers, catering to groups, families, and events.
• Explains the licensing process and the challenges of managing service accommodations.

Future Goals:

• Plans to scale up the service accommodation business and continue investing in properties.
• Emphasizes the desire to achieve financial freedom and give back to the community.

Follow Gemma on Instagram!

-------------------------------------------------------------

Prime Property Auction: ⁠⁠https://www.instagram.com/primepropertyauctions⁠⁠

John: ⁠⁠https://www.instagram.com/john_property_auctioneer⁠⁠

Luis: ⁠⁠https://www.instagram.com/luis_property_auctioneer⁠⁠

Visit Prime Property Auction website: ⁠⁠https://primepropertyauctions.co.uk/⁠⁠ 

🔗⁠⁠⁠⁠ Subscribe and watch episodes on our YouTube channel⁠⁠⁠⁠

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠

🔗 ⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠

📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode, Steven and Nick chat with Jerry Alexander about current topical situations.Rising energy costs, utilities, and how it is affecting his commercial and residential propertystrategies.We talk about the following:* Rising energy and utility costs* Rising interest rates* The effect the rises are having on property strategies* What you can do to mitigate risks* Looking for new opportunities* The current economic conditions* How we can navigate through the problems aheadHow to get i...

In this episode, Nick chats with John Blackwood, CEO Scottish Association of Landlords about the latest government announcements and what the implications are for landlords.We talk about the following:How the Scottish government did not engage or consult with stakeholders Update on when the legislation is to be published How will the freeze on rent be implemented Is it the SNP or the Green Party driving these policies How will the eviction bans work and will th...

In this episode, Steven and Nick chat to property investor Ewan Dudding (25) about how he has managed to scale up to owning 22 buy to let properties at such a young age! We talk about the following:How Ewan bought his first property saving everything he had and cutting his expenses. How to get a mortgage as a student.“House hacking” for cash flow.Leveraging student loans to purchase property.Using the BRRR strategy to build his portfolio.Funding with private investor financing and h...

Rent Freeze and Eviction Bans with Brian Gilmour In this episode, Steven and Nick chat with Brian Gilmour about the latest government announcements about the rent increase, freeze, and eviction bans. How to get in touch with Brian:Brian@indigolets.comhttp://www.indigolets.com/https://www.linkedin.com/in/brian-gilmour-15aa2125**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held r...

In this episode, Steven and Nick chat to Dee Ludlow about all the factors at play in the macro economy right now. How is this having an impact on peoples investing decisions and where will the opportunity come for investors?We talk about the following:Where the opportunity is to invest in the current economic climate.Rising interest rates, how fast and how high do rates need to go to curb inflation?What is the true rate of inflation?The energy crisis and how it’s going to affect busines...

In this episode, Steven and Nick chat to Julian Mithoff about the tragic circumstances from which his property journey began. Building a property portfolio whilst simultaneously growing a whisky business. Living life on your own terms and how property is helping him do this.We talk about the following:* Starting with the cash from his fathers insurance policy * The depreciation of the value of money in the bank* Beginning during Covid lockdown * Paying for an education* Building a b...

In this episode, Steven and Nick chat to Hannah Marsh from HomeViews about the future of the private rented sector and what impact Build to Rent schemes will have on it. Hannah runs an online review platform called HomeViews which allows prospective buyers and tenants to read reviews of residential developments.We discuss:What HomeViews is ?What is build to rent and what type of tenant demographics do they cater for?How important is location?What’s included in the costs and what extra ...

In this episode, Steven and Nick chat to Jordan Kynoch about making the move from over worked personal trainer to gaining time and financial freedom through property. Jordan shares his story along with great tips on how to find and raise private finance and how to run a successful property business. We talk about the following:* Spending £15,000 on property education at 23 years old* Going all in with his life savings* Moving from personal trainer to property * Trading y...

In this episode, Nick and Steven chat to Lexie Carducci about her move from actress to becoming an investment influencer and combining entertainment with property. We talk to about building her property portfolio, flips, social media and combining it all.We talk about the following:* Her singing, acting and presenting background* Finding her niche in property* Starting out working for an estate agent * Working for a relocation expert * Starting her own freelance relocation service* ...

In this episode, Steven chats to Joshua Tharby from JSM partners about the importance of business cash flow, the investment of your cash into property, expenses within a limited company and how you can earn the most tax efficient way. We talk about the following:* Being a property investor first* Focusing on business cash flowing activities* Investing this cash into properties* Building his own portfolio* Tax savings through limited companies* limited company expenses* How t...

In this episode, we sit down with Ajmal Mushtaq, the founder of Boss Pizza. Ajmal shares his remarkable journey from a law career to creating a successful pizza business. With insights on entrepreneurship, personal branding, and property investment, this episode is packed with valuable advice and inspiration for anyone in the property or business world.

Journey to Success:

• Education and Career:

• Studied law and worked at Accenture in London for 10 years.

• Took over his father's restaurant, transforming it into the largest takeaway operation in Britain within five years.

TikTok and Personal Branding:

• TikTok Influence:

• Gained significant following by delivering concise business content.

• Prefers TikTok’s quick content delivery over longer YouTube videos.

Business Philosophy and Martial Arts Influence:

• Martial Arts Background:

• European Champion in Taekwondo.

• Attributes drive and discipline to his martial arts training.

• Emphasizes continuous self-improvement.

Building Boss Pizza:

• Starting Boss Pizza:

• Launched during COVID-19 and quickly gained popularity.

• Competes with Domino's by offering quality pizzas at competitive prices.

• Franchising and Expansion:

• Currently operates four stores with plans for 20 within the next year and 300 in five years.

• Stresses the importance of stringent franchise agreements.

Scaling and Systems:

• Systems and Processes:

• Highlights the necessity of robust systems before scaling.

• Spent three years building a strong foundation for Boss Pizza.

• Employee Management:

• Pays employees well and offers career progression.

• Outsources non-core functions like accounting and legal work.

Property Investments:

• Portfolio:

• Mixed portfolio of residential and commercial properties.

• Prefers commercial properties due to fewer regulations.

• Focuses on strategic long-term investments.

Final Thoughts and Advice:

• Advice to Young Entrepreneurs:

• Gain corporate experience before starting a business.

• Importance of patience, continuous learning, and strategic planning.

Follow Ajmal on social media:

Instagram: instagram.com/ajmal_mushtaq/?hl=en

TikTok: tiktok.com/@ajmalmushtaq

-------------------------------------------------------------

Prime Property Auction: ⁠https://www.instagram.com/primepropertyauctions⁠

John: ⁠https://www.instagram.com/john_property_auctioneer⁠

Luis: ⁠https://www.instagram.com/luis_property_auctioneer⁠

Visit Prime Property Auction website: ⁠https://primepropertyauctions.co.uk/⁠ 

🔗⁠⁠⁠ Subscribe and watch episodes on our YouTube channel⁠⁠⁠

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠ Book your place at the networking events here⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠Join our private Facebook group ⁠⁠⁠

🔗 ⁠⁠⁠Follow us on Instagram ⁠⁠⁠

📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode, Nick and Steven chat to The Northern Irish property girl, Eimear Gourley about how she built a sourcing business during Covid and how she has been prolific in this job to source £3,000,000 of properties for clients in such a short time.We talk about the following:* Creating a sourcing business through Covid* Starting 18 months ago* Building a client base through linkedin* The power of social media for a new business* Mindset of juggling a new business with 3 kids and a full-t...

In this episode, Nick and Steven chat to Gillian Mcluskie about her experience transitioning from Social worker to Sourcing, Staging and creating her own property business from scratch.We talk about the following:* Beginning sourcing property 3 years ago* Learning the numbers and dealing with constant rejection.* Working full time and having a sourcing business too* Taking a career break after covid to work on property* Getting stuck in, regardless of meeting personal finance targets* Dealing...

In this episode, Nick and Steven chat to Daryl McIntosh, Policy and Campaigns Manager for Propertymark about the current state of the Private Rented Sector (PRS) and the restrictions placed on landlords and investors. We talk about the following:* What damage could rent controls have in a free market economy?* Where do the problems really lie with tenants and who needs the help?* Pitfalls of trying to align social and private sector * The strain on housing stock from immigration* Cu...

In this episode, Nick and Steven chat all things renovations with Trish Crooks. Trish is currently managing 10 renovations projects for her clients and herself and shares her experience and top tips. We talk about the following: * All things renovations and how Trish is currently managing 10 renovation projects and has much more in the pipeline. * Trish's background.* Nightmare renovation projects when things go wrong.* Losing money in Turkey property. * Top tips on how to...

In this episode, Nick and Steven catch up on the state of the current property market and look at the macroeconomic factors that are leading to high inflation and increasing interest rates.We talk about the following:* What's causing the high inflation and how long will it last* How the bank of England are going about rising the interest rates* How will rising interest rates affect property prices and demand* What can we do as property investors to protect us from the current conditions and p...

In this episode, Nick and Steven chat to The Property investors Broker, Sam Norris sharing his start up story and delivering a mini masterclass in Bridging finance.We talk about the following:* Starting up a mortgage brokerage* Not having the standard persona of a broker* Defining roles and ambitions with business partners* Going from employee of the month to being sacked the next month* Brokers bug bears with property investors* Not being a “yes” man and having client transparency* The impor...

In this episode, Nick and Steven chat to the good life property investor, Kristina Castillina about how she has gone from having nothing to building a portfolio, SA business and recently sourcing 30 properties in 2 years.We talk about the following:* Beginning as a performer and singer * Living in Aviemore as a child * Spending £18,000 on property training* Starting as a network marketer * Building up a buy to let portfolio in Blackpool to replace working income* Hitting proble...

In this episode, Nick and Steven chat to Jim Brown about how he got into property from a flip where he made £40,000. Living in Bali for £1000 a month and the numbers involved in achieving the life you want from a small portfolio.We talk about the following:* Gaining the financial freedom to live in Bali, Indonesia* Only needing £1000 to live there comfortably for a month!* gaining this income from property in 4 years* Quitting his job as a school teacher* His buy-to-let portfolio and flips* R...

In this episode, Nick and Steven chat to Laurence and Jake from Donnini Apartments about how they built a 50 unit service apartment business in Ayrshire. We talk about the following:* Flipping a property to gain initial funds to start a business* Meeting as business partners at university * The importance of roles in a business* Aquiring their first Serviced accommodation rent to rent property* Scaling up the business* Taking on employees * Business operations and systems* Deal...

In this episode, Nick and Steven chat with experienced property investor, Bill Roddie. His company, Spectrum Properties has built up a portfolio of over 700 units across central Scotland and they are now active in a number of large scale residential developments.We talk about the following:Starting out in the 1980’s buying commercial property in n the east end of Glasgow Lending money in the 80’s for his first property purchases Some case studies of residential developments th...

In this milestone episode, we are partnered with Luis and John from Prime Property Auctions to explore their journey and insights into the property auction business. The discussion covers everything from business development and team building to marketing strategies and property education.

Key Topics Discussed:

1. Introduction

• Hosts express appreciation for Luis and John's support of the Scottish Property Podcast.

• Mention of a sponsorship deal, highlighting trust and satisfaction with Prime Property Auctions.

• Celebration of the podcast’s first sponsorship after 4 years, sponsored by Prime Property Auctions.

2. Business Development and Culture

• Prime Property Auctions is moving to a new, larger office in Glasgow to accommodate their growing team.

• The new office will support more staff and better facilitate business discussions and advertising efforts.

• Importance of creating a positive work culture, where employees are motivated by interest in property and personal growth.

3. Property Sales and Motivated Sellers

• Discussion on various aspects of property sales, including motivations of sellers, challenges, and strategies to overcome them.

• Common seller motivations include properties in dilapidated states, lack of capital for repairs, and tenant issues.

• Emphasis on understanding seller motivations and building trust with clients for successful sales.

4. Marketing and Scaling

• Prime Property Auctions invests heavily in social media and advertising to build their brand and reach potential clients.

• Examples of successful marketing strategies and closing deals in challenging circumstances.

5. Recruitment and Team Building

• Importance of hiring people with a genuine interest in property and a willingness to learn.

• Discussion on recruitment approach, training, and desired attributes in potential hires.

• Aim to create an environment where employees can grow and succeed by aligning personal goals with the company's objectives.

6. Success Stories and Challenges

• Sharing success stories, such as selling a property significantly above its home report value by highlighting its potential as an HMO (House in Multiple Occupation).

• Discussion on challenges, such as managing client expectations and dealing with difficult-to-sell properties.

7. Property Education and Industry Insights

• Value of property education and the reality of the property business.

• Caution against unrealistic claims made by some property courses; emphasis on hard work and practical experience.

• Insights into the differences between traditional education and property education, and the importance of applying learned skills.

Follow them on Instagram:

Prime Property Auction: https://www.instagram.com/primepropertyauctions

John: https://www.instagram.com/john_property_auctioneer

Luis: https://www.instagram.com/luis_property_auctioneer

Visit Prime Property Auction website: https://primepropertyauctions.co.uk/ 

🔗⁠⁠ Subscribe and watch episodes on our YouTube channel⁠⁠

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠ Book your place at the networking events here⁠⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠Join our private Facebook group ⁠⁠

🔗 ⁠⁠Follow us on Instagram ⁠⁠

📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode, Nick and Steven chat with Architect and developer, Kenneth Martin about his 5 pillars of how to begin in property development. He shares his top tips for finding land along with the appraisal process and checklist he uses when looking into new projects. We talk about the following:* Building your power team * The planning application process* The building warrant process * The actual building process* Post completion responsibilities and checks* What can...

In this episode, Nick and Steven chat to Eddie Wighton and Michael Pratt of Invertay Homes. Invertay homes are based in Dundee and pride themselves on building affordable, sustainable and efficient homes suitable for family living. It was great to talk to a local housebuilder about the business of new build development.We talk about the following:Building 106 houses since they started out in 2013How they put themselves in the shoes of the house buyer first at the design stageWha...

In this episode, Nick and Steven chat to Liam Rogan from Get Ground on the tax advantages of investing in a limited company. Get Ground educate people on the benefits of company buy-to-let then make it easy and cost effective to execute. We talk about the following:* Using capital gains allowance* Cost implications involved in moving from personal name into ltd company* Should you take a salary from your ltd company* Is a ltd company the right move for you?* Inheritance tax * Overse...

In this episode, Nick and Steven chat for a second time to property investor Adam Lawrence. Adam is well known for his weekly "Sunday Supplement" article on the Partners in Property Facebook page.In this episode we cover the following: Raising inflation and the cost of living crisis. Russian sanctions and how it will impact the macro economy. War in Ukraine and how it will effect. Rising interest rates and how will it impact the property market.&nbs...

In this episode, Nick and Steven chat to Rosie Charles of ARCH Investments. Rosie and her husband Allan started off investing 5 hours from their home town where they have built a buy to let and HMO portfolio in The Wirral. In this episode we cover the following:How they invest remotely 5 hours from homeHow they took 9 months to find a deal and why they didn't give up at the startTips on researching a new investment area that you're not familiar withUsing private investor funds for...

In this episode, Nick and Steven chat to Daniel Duffield who is a co-founder of Kove Properties. Daniel and his team source buy to let properties for investors, as well as guaranteed rent serviced accommodation deals. They also have a "Loan and learn" program that we find out more about.In this episode we cover the following:How Daniel met his business partner at a networking event and started Kove propertiesHow they managed to use furlough to their advantage and accelerate the bu...

In this episode, Nick and Steven talk about the current economic crisis which is brewing and where the future of the economy is going. How will this have an impact on the property market and house prices?We talk about the following:* The effect of world events on our economy * How this will affect our businesses and property investments* What is the potential for a crash and where we are in the cycle* The supply and demand imbalance* The comparisons with now and 2008* Ho...

In this episode, Nick and Steven chat to property investor Stephanie Taylor who has built a successful rent to rent portfolio and is now investing in multi-unit blocks. Stephanie has also written a book called Rent 2 Rent success and also hosts a podcast. We talk about the following:What is the rent to rent strategyHow she got her first rent to rent dealTips on finding dealsHow much money do you need to get started?What are the risks involved in rent to rent What horror stori...

In this episode, Nick and Steven chat to business owner and property investor, Gary Wilson. Gary, 24 sold a Google SEO business for £2 millon and is now building his portfolio as well as setting up another business selling tenanted property to other investors. It's a great interview with an inspiring young entrepreneur!We talk about the following:How Gary built a Google SEO business and sold for £2 million at age 24 How he became involved in building his own property portfol...

In this episode, Nick and Steven chat to Luke Hickie from Lukes Properties. Luke has an interesting background as a professional footballer and has now transitioned in to property investing and building a successful property business.We talk about the following:How Luke started out in property with the rent to rent strategy What challenges he faced when starting out Renting out rooms to contractors and why they are such good customersBest tips on getting your first rent ...

In this episode, hosts Stephen Clark and Nick Ponty are joined by Ricardo Giovanacci from Rosevale Lettings to discuss the latest news and events in the Scottish property market. They delve into the current challenges and opportunities, including rising rents, housing shortages, and government policies.

Key Topics Discussed:

1. UK Inflation and Mortgage Rates

   • UK inflation rate has dropped to 2.3%, approaching the Bank of England's target of 2%.
   • The Bank of England's base rate remains steady at 5.25%.
   • Potential for mortgage rate cuts in the near future, contingent on economic and political developments.

2. Scottish Government's Housing Emergency

   • The Scottish Government has declared a housing emergency due to escalating rents and housing shortages.
   • Measures to address the crisis include building more affordable homes and managing rental market pressures.

3. Rental Market Trends

   • Rising rents and housing shortages are major issues.
   • Increased demand for rental properties, with many tenants struggling to find suitable accommodation.
   • Landlords are facing challenges due to new regulations and rent controls.

4. Investment Opportunities and Challenges

   • Property investors need to adapt to evolving market conditions and regulations.
   • Long-term investments in property remain viable despite current challenges.
   • Portfolio landlords are adjusting strategies, such as reducing loan-to-value ratios to manage risk.

5. Build-to-Rent Developments

   • Large-scale build-to-rent projects are part of the solution to the housing crisis.
   • Political and legislative changes are influencing investment decisions in this sector.
   • Some developers are hesitant to invest in Scotland due to rent controls and regulatory uncertainty.

6. General Election and Political Landscape

   • The upcoming general election could significantly impact the property market.
   • Political parties' policies on housing and taxation will be closely watched by investors and stakeholders.

7. Short-Term Letting Regulations

   • New regulations on short-term lets are causing disruptions, especially in Edinburgh.
   • A black market for short-term lets is emerging due to stringent licensing requirements.
   • The impact on tourism and local economies is a growing concern.

Visit Rosevale Lettings and follow them in Facebook, Instagram, and LinkedIn.

🔗⁠ Subscribe and watch episodes on our YouTube channel⁠

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠ Book your place at the networking events here⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠Join our private Facebook group ⁠

🔗 ⁠Follow us on Instagram ⁠

📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode, Nick chats to Charlie Innes from Glenham Property. Charlie has been involved in property for nearly 30 years and shares his views on the latest Scottish Government consultation paper which could result in some big changes for the PRS. A must listen for all serious landlords and property investors.We talk about the following:Charlie's background and how he became involved in propertyHow the PRS has changed over the years What is the new deal for tenants consu...

In this episode, Nick and Steven chat to Christmas home of the year finalist, Alex Lawson. Alex has built a massive 200k following on her Casa Lawson Instagram account where she gives regular DIY and interior design tips. We talk about the following:How Alex has built her massive social media following.Being on BBC Scottish Christmas homes of the year.Chat about interior design.Cost efficiencies of nice interior design tips to help your property stand out on the market.Alex shares...

In this episode, Nick and Steven chat with Skillbuilder You tuber Roger Bisby about how heat pumps might not be the solution to all our problems with achieving net-zero emissions. Roger shares his experience and opinions on how to best heat properties in the most ethical and economical way.We talk about the following:•What are heat pumps•Past experience using them•The main issues surrounding them•installation and running costs •What Government assistance is available•What are the f...

In this episode, Nick and Steven chat to Susan Aktemel, the founder of Homes for Good, Scotland’s first social enterprise letting agency. We talk about the following:•Loving the deal and enjoying the process•Creating a social enterprise letting agency •Raising 20 million pounds to buy property •Managing 520 rental properties •Building a development and management team•Growing a large portfolio 1 property at a time •Track record and it’s role in finding private i...

In this episode, Nick, Steven and the other Scottish Property Podcast networking hosts all come together on a live zoom call to offer some help and advice on how to get started in property in 2022. Over 100 members of the community joined us for this free online event and loads of property value bombs were dropped.We talk about the following:The big WHY, what do you want from property?The various strategies that you could persueHow much time and money do you have and how this will affe...

In this episode, Nick and Steven chat to Bronwen Vearncombe who is a property investor, coach and best-selling author. Bronwen left her corporate role in banking to set up a property business that generated enough income to allow her and her husband to travel the world and live financially free. Bronwen has a book out called Building your dream life - How property can help you quit the rat race.We talk about the following:Leaving the rat race and discovering what it takes to get ...

In this episode Nick and Steven chat to property developer Kazeem from Property by Kazy. During this fantastic chat we take it back to the start and talk about Kazeem humble beginnings, from hustling a leaflet distribution business, working in primark to setting up a shisha bar, all the way to becoming a successful London property developer. We talk about the following:•Kazeems path to becoming a property developer. •Leveraging your time to be more effective.•His first business...

In this episode, Nick and Steven discuss the state of the market and the trials we face with the rising cost of materials, the pressures of Omicron and how we can beat the hurdles facing everyone in property.We talk about the following:•Goal setting and achievements•Property prices in 2022•the Omicron threat•Strategies against rising inflation •The setbacks associated with restrictions •The state of the current market•Where we see the market going this year•Issues with the cost of m...

In this episode, Nick and Steven speak to property developers Sanjay and Malkit from Savoys Properties. Best friends in business for 20 years.We talk about the following:•Going full time in property •Preparing against potential job redundancy •Starting off from a family jewellery business •Winning 3 awards in the last 2 years•Making the jump from buy to let to HMO strategy •Consolidating companies under the Savoys brand •The importance of multiple income streams ...

In this episode, Nick and Steven speak to property developer, Race horse trainer and author John Howard. John has bought and sold thousands of properties and has also been owner of Cambridge United football club.We talk about the following:•How John handled 3 recessions and thriving coming out of them•Diversifying on location to spread risk•Focusing on quality and not just quantity•The difference between the English and Scottish markets•The state of the economy and where John sees it going•Pr...

In this episode, we are joined by Vikki Ridler, a renowned TikTok estate agent, to discuss her incredible success and insights into the Scottish property market. Vikki's innovative use of social media has significantly impacted her career, leading her to sell an impressive 35 houses a month.

Key Topics Covered:

Introduction

• Welcoming Vikki Ridler to the podcast.

• Vikki's popularity and her contributions to the Edinburgh networking event.

Career Start

• Vikki's journey from starting at 16 in an office job to becoming an estate agent.
• Her initial reluctance and subsequent passion for the field.

First Impressions

• Early experiences and the challenges Vikki faced.
• How she overcame obstacles with determination and support from her managers.

Market Changes

• Evolution of the estate agency market.
• Rise of independent estate agents and the impact of social media.

Social Media Strategy

• Using platforms like TikTok to attract buyers.
• Strategic video posting times to increase engagement and sales.

Daily Routine

• Vicky’s daily schedule and work-life balance.
• Effective management of both professional and personal life.

Marketing Techniques

• Importance of detailed property descriptions and quality photography.
• Various marketing methods explored by Vicky and the hosts.

Client Interaction

• Building personal rapport with clients.
• How personal interactions can lead to better sales outcomes.

Challenges and Opportunities

• Industry challenges such as competition and market fluctuations.
• Turning challenges into opportunities for growth.

Advice for Aspiring Agents

• Tips for those looking to enter the real estate industry.
• Value of starting from the bottom and continuously learning.

Follow Vikki's Instagram and TikTok account @vikki.ridler

🔗 Subscribe and watch episodes on our youtube channel

**DISCLAIMER**
Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.
🎟  Book your place at the networking events here

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:

🔗 Join our private Facebook group 

🔗 Follow us on Instagram 

📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode, Nick and Steven speak to property developer, podcast host and author Nicole Bremner. Over the past 10 years, Nicole has developed hundreds of high-end properties in London. She has recently taken a step back from her property involvement to focus on other things and diversify.We talk about the following:How Nicole started out in propertyRaising money with crowdfundingWhat happens when things don't go according to planProblems that can arise during Joi...

In this episode, Nick and Steven celebrate 100 episodes and nearly 2 years of the Scottish Property Podcast!We talk about the following:The vision and purpose of the podcastWhat we have managed to achieve over the timeOur favourite episodes and guestsHow it has developed and helped usThe launch of the networking eventsA huge thank you to the listenersPROPERTY NETWORKING: Book your ticket for a Scottish Property Podcast networking event near you.Aberdeen: https://www.eventbri...

In this episode, Nick and Steven chat to social media expert Ina Bakalova. Steven took part in Ina's Instagram course recently and since then he has been able to grow his following and engage better with his audience. This episode is great for anyone who is looking to reach more people and generate more business through the use of Instagram specifically.We talk about the following:How to get started and what content to postIdentifying your ideal customer and working towards ...