Episodes

Aug. 29, 2023

ASK395: Should I buy outright? PLUS: Is it time to cut my losses?

Rob & Rob are back to offer their advice to two more listeners! (0:48) John is going to completing on a couple of buy-to-lets in October and he’s wondering with how the mortgage market is right now, should he buy them outright now and then when the market calms, remortage? (4:22) Noel owns an ex-council flat in South West London that has a good rental yield, but he’s recently become aware of some mortgage issues with the flat due to it being built with LPS concrete (large panel system). Based ...
Aug. 24, 2023

TPP545: The worst time to invest?

What would’ve happened if you invested in property at the absolute worst times to buy? (0:54) News story of the week (2:51) Property Hub Select meet-up (5:44) What would have happened if you bought in the 2007 crash? (8:35) What would have happened if you bought in the 1990 recession? (10:38) When was a bad time to buy during these crashes? (14:37) How do you know when we’re close to the winners curse? (15:36) Is now the worst time to buy? (18:26) Lets run the numbers (22:39) Hub Extra ...
Aug. 22, 2023

ASK394: Why avoid the South West? PLUS: Buy now, mortgage later?

Rob & Rob are back and they’re answering two more listener questions! (0:39) Dale’s an avid podcast listener, and he knows Rob & Rob have previously mentioned that the South West isn’t the best place to invest, but he wants to know if this rings true for cities in the South West too. (3:54) Dan wants to know if whilst interest rates are high, would it be a good strategy to purchase a lower-value property in cash, renovate it, add some value, then once interest rates come down, take a mortgage ...
Aug. 17, 2023

TPP544: Decoding the mortgage market

The mortgage market is changing daily and as a property investor, you need to understand what’s happening right now, so tune in as we ask a mortgage expert to give us the latest on mortgages. (0:53) News story of the week (3:35) What’s going on with mortgages? (4:16) How is the reduction in inflation affecting the market? (4:52) Have we seen the peak of interest rates? (5:18) How busy is the mortgage market right now? (6:05) What kind of conditions can a buyer expect right now? (7:03) Wha...
Aug. 15, 2023

ASK393: When should I start the monopoly strategy? PLUS: Should I buy a non-standard construction property?

Rob & Rob are back with more listener questions! (0:56) Alex wants to know at what point in your investing journey should you start buying premium properties? (5:32) Stacey is looking at a flat which has non-standard construction and she’s wondering if there’s anything she should be aware of or consider. Links mentioned Property Hub Magazine The Monopoly strategy Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, ...
Aug. 10, 2023

TPP543: August Market Update

What’s going on with the property market right now? Well, it depends on where you look, the market certainly isn’t a uniform one right now, so join us as we try to make sense of what’s going on. (1:50) What’s the latest with house prices? (7:27) Mortgages update (10:38) Rental competition is still on the rise (13:48) What about property and politics? (18:50) Hub Extra Links mentioned Rics - UK Residential Market Survey Nationwide house price index Halifax house price index Money and Cr...
Aug. 8, 2023

ASK392: Is it time to sell this property? PLUS: How do you unlock equity gains?

It’s time for another round of podcast listener questions! (0:41) Simon’s wondering if rising interest rates mean that now’s the time to sell his buy-to-let. His mortgage is coming up for renewal soon and he’s considering a quick sale and pulling the equity so he can invest up north where the numbers work out better. What advice do the guys have for him? (3:44) Similar to Rob & Rob, Tyrone’s goals are focused on future wealth for him and his family, meaning he’d like to focus on capital apprec...
Aug. 3, 2023

TPP542: Is the 18-year property cycle dead?

What’s actually happening with the 18-year property cycle? Rob & Rob can’t seem to agree... (1:01) News story of the week (3:00) Property Hub Select (4:28) What does the silent crash mean for the property cycle? (5:23) What is the 18-year property cycle? (7:19) What’s happening with the cycle right now? (8:39) Option 1: the 18-year property cycle is broken (11:47) Option 2: the boom hasn’t happened yet (14:43) Option 3: it’s just a weak cycle (17:46) What does this mean for the future? ...
Aug. 1, 2023

ASK391: Is now a good time for buy-to-let? PLUS: Should I buy in a Ltd company if I want income?

It’s time for your latest edition of Ask Rob & Rob! (0:39) Shane is looking at purchasing at buy-to-let, but with taxes being high, interest rates on the rise and China’s quantitative easing starting soon, is now a bad time to buy? (3:51) Mark had an investment plan, but he’s not sure if it’s working out. He’s wondering if he should switch to investing as a business, but he’s not sure if that’s a good idea as it’ll put him in a higher tax bracket. He’s not sure how easy it is to switch back to...
July 27, 2023

TPP541: The silent property crash

The media has got it all wrong. We’re not heading towards a property market crash - we’re already in the middle of one. The silent property crash is here and we’re telling you all about it on today’s episode. (1:06) News story of the week (2:52) 20 million downloads (5:20) Is the property crash here? (10:12) Property is down 12.5% (13:30) Prices are the same today as they were in 2003 (15:44) This is the best crash (19:19) What’s going to happen next? (24:07) Hub Extra Links mentioned:...
July 25, 2023

ASK390: I'm scared of my property falling in value! PLUS: How do I set up a company?

It’s time for your weekly dose of Ask Rob & Rob (0:38) Tom is close to completing his second property but the news on interest rates has got him worried. Will rising interest rates impact house prices and what should he do if the value of his newly purchased property goes down? (3:15) Ben is considering setting up a limited company to invest through, but he wants to know how he would go about it and are there any barriers to entry he should be aware of. Links Mentioned Should You Buy a Prope...
July 20, 2023

TPP540: We’re halfway through the year. Is it time to throw out our predictions?

We’re half-way through the year so now’s the perfect time to check-in and see how our predictions are faring! (0:51) News story of the week (3:21) How are our predictions doing? (4:08) House prices (7:44) The best places to invest (10:36) Interest rates (13:50) What’s going to happen next? (17:58) Hub Extra Links mentioned: Turo YouTube Video: Renters Reform Bill Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newslet...
July 18, 2023

ASK389: Should I get a repayment mortgage? PLUS: Are purchase lease options a good idea?

It’s time for some more listener questions: (0:38) Tom is looking to build passive income with a portfolio of buy-to-lets. He currently owns a 1-bed in Bath city centre, and he’s got 70k to invest; should he get another 1-bed studio flat in Bath with a repayment mortgage, or should he get an interest-only mortgage so that he can save for a third property quicker? (3.52) Billy’s property mentor has recently discussed the idea of purchase lease options - this isn’t something he’d previously thou...
July 13, 2023

TPP539: July Market Update

It’s Market Update week! This is your chance to catch up on the latest and get to grips with what’s happening in the property market right now. (0:50) Property Hub Select (2:09) House prices (7:44) Mortgages (11:17) Rents (12:55) Investor sentiment (15:30) Rent controls (16:51) Tenant preferences (18:45) Hub Extra Links mentioned: House prices relatively stable in June but annual growth remains in negative territory Rightmove: House Price Index Halifax: House Price Index Buyers nego...
July 11, 2023

ASK388: Are things about to explode? PLUS: Should I buy a property with non-paying tenants?

Happy Tuesday! We’re back with some more listener questions! (0:30) Tony’s got a question on the 18-year property cycle. He wants to know if lenders offering 100% mortgages means we’re about to see the boom phase. (3:30) Rob’s seen a property to buy that’s already tenanted. The issue is that the tenant isn’t currently paying rent as they can’t afford it. Should Rob still buy the property? Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our f...
July 6, 2023

TPP538: Do property prices really double every 10 years?

What we’re talking about today gave us a whole new perspective on things. So much so, we can hardly believe nobody else is talking about it! We’ve dived into the data to uncover the truth: do property prices really double every 10 years? (1:05) News story of the week (1:48) Property Hub Select (3:00) Fact checking: do house prices really double every 10 years? (4:40) The shortest vs longest period prices have doubled (5:55) What’s the longest time prices have taken to double? (9:59) Why i...
July 4, 2023

ASK387: Is this a good place for holiday lets? PLUS: What is this type of auction?

It’s time for some more listener questions! (0:36) Alex and his business partner are thinking about buying a holiday let outside of Liverpool City Centre and turning it into an Airbnb, but he’d like to hear Rob & Rob’s thoughts on this strategy. (3:14) Damien's started seeing more “modern auctions” on the market and he’s hoping the guys can shed some light on what they actually are, the fees, and share any experiences they might’ve had. Enjoy the show? Leave us a review on Apple Podcasts - i...
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June 29, 2023

TPP537: How to protect yourself from property gurus

Join us as we interview Vanessa Warwick, landlord and co-founder of Property Tribes, as she shares why she’s being sued by one of the biggest players in the property wealth creation space and what red flags property investors should be looking out for. (0:56) News story of the week (2:19) A big thank you! (4:22) Interview with Vanessa Warwick (34:49) Hub Extra Links mentioned: Our latest YouTube video Property Hub Select Vanessa Warwick’s Crowdjustice Campaign Amazon ad blocker Enjoy t...
June 27, 2023

ASK386: Will EPC rules make me change my strategy? PLUS: Is a company let a good idea?

It’s time for your weekly dose of Ask Rob & Rob! (0:38) Matt has a couple of decent yield buy-to-let properties in Hull. He now knows the area pretty well and has a great relationship with a letting agent. Matt wants to know if he should keep investing in Hull, and should he try to increase these properties’ EPC ratings now or sell them and reinvest into a higher-end property? (3:39) Greg invests in London and he’s recently been approached by agents that offer company let agreements. They’re l...
June 22, 2023

TPP536: Mortgage Market Update

Hundreds of mortgage products being pulled off the market, shocking inflation figures and an increasing base rate. What’s happening in the mortgage market? (0:56) News story of the week (2:28) Exciting announcement (4:55) What’s going on with the mortgage market? (5:48) What’s the current state of the market and has this ever happened before? (6:17) What’s happening with the base rate/swap rates and how are lenders responding? (6:59) Do you see this period of volatility lasting much longer...
June 20, 2023

ASK385: I'm making a loss - what should I do? PLUS: What do I do with my deposit?

Rob & Rob are back and they’re answering more listener questions! (0:39) The mortgage on David’s terraced house in East London is up for renewal soon, and with current interest rates, his payments are going to triple, causing him to have a negative cash flow. Should he stick with it at the capital appreciation is going to outweigh the short -term pain or should he cut his losses now? (5:32) Tom’s currently purchasing a property and once the sale goes through, he’ll have around £20,000 left. To...
June 15, 2023

TPP535: The “Monopoly” strategy: Update on Rob B’s portfolio

Dive into the world of Rob's real-life Monopoly! Tune in as we uncover his current portfolio strategy and the reasons driving this strategy switch-up. (0:44) News story of the week (2:22) Rob B’s Monopoly strategy (3:27) How Rob’s portfolio has grown and evolved (5:43) What percentage of Rob’s portfolio would he like to move on? (6:02) How many properties has Rob sold so far? (7:06) How did Rob choose which properties to sell? (8:25) What made Rob decide to sell? (9:11) What is Rob doing...
June 13, 2023

ASK384: Should I worry about my EPC? PLUS: Do I need a new solicitor?

It’s time for some more listener questions! (0:37) Butch is wondering how concerned he should be about the EPC C rating requirements coming in for 2025 (3:31) Leo has a great solicitor, but they’re no longer advising on personal guarantees. He’s wondering if this happening everywhere - or should he start looking for a new solicitor? Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Send us your quest...
June 8, 2023

TPP534: June Market Update

Hundreds of mortgage products have been pulled off the market, and the latest inflation figures have shocked the market. Join us to make sense of this week’s market news, and learn how you should respond. (0:54) What’s going on with house prices? (6:46) Are city house prices suffering? (9:01) How are the top cities performing? (10:23) What’s going on with the mortgage market? (14:35) What’s the latest on the Renters Reform Bill (15:13) Upcoming changes to EPC ratings (16:00) Is the leaseh...