The Property Podcast

Flats vs. Houses? It’s one of the most heated debates in property investing. For years, the consensus has been to avoid flats.

But what if the reasons investors turned against them no longer apply?

Rob & Rob challenge the anti-flat mindset and explore why the ground has shifted without most investors noticing. The cladding crisis, COVID and spiralling service charges have turned investors away from flats. But with those factors fading, they unpack where the opportunity is for investors willing to go against the crowd.

(01:13) News story of the week

(03:26) Do the common assumptions against flats still hold up, and what do flats offer that other properties can’t?

(10:04) The major events that turned investors against flats and the changes since that have gone unnoticed

(17:05) Is the price gap between flats and houses here to stay?

(18:24) Four non-negotiables to check before buying any flat

(24:06) Hub Extra

Links mentioned:

CityAM: Downing Street rules out rent freeze

Check out Speeed’s YouTube channel

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It’s time for your weekly dose of Ask Rob & Rob - let's get stuck into two new questions!

(00:42) Fatai is looking to sell up, but with so much global uncertainty, is now really the right time? Rob B looks at what history tells us about timing the market during periods of instability.

(04:35) David wants to jump straight into two student HMOs, but is it wise considering he’s never ventured into this market before? Rob D explains why going all-in could backfire, and why taking a more measured approach might pay off.

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Mortgage rates are moving, and if you’re an investor trying to work out what to do next, you’re not alone.

Rob & Rob bring in expert, Nick from Framework Mortgages to get straight answers on what’s happening with rates, where they’re likely heading and what investors should be doing right now. 

This episode will get you up to speed on the impact of swap rates, the Renters’ Rights Act, pressure of a global conflict, and more.

(01:01) News story of the week

(04:48) What swap rates are, why they matter more than interest rates and where they sit right now

(10:21) What will trigger lenders rates to rise and fall

(13:46) Whether the Renters’ Rights Act will impact mortgage stress tests and lending criteria

(16:19) Your best options if your fixed rate is about to end

(18:16) Nick's crystal ball prediction for where rates will land by late summer, and how to time your next investment around it

(21:47) Hub Extra

Links mentioned:

Average new seller asking prices rise by 0.8%

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It’s Tuesday! Which means it’s time for another episode of Ask Rob & Rob.

(00:41) Luke's bought his ninth property, but the valuer deemed it unfit to live in. He’s been told bridging loans are now the standard route but is that his only option? Rob B explains how to turn a lending headache into a stronger deal and why this is a perfect situation for negotiation.

(03:51) Alex has built a portfolio of four properties, but the condition of his health has made him think about legacy planning. How can he pass his portfolio onto his family? Rob D walks through a smart process for getting your ducks in a row before speaking to a tax adviser.

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Think it doesn't matter where you buy your investment property? The numbers say otherwise...

Rob & Rob use real world examples, comparing two investors who start with the same £100,000 but buy in different regions. Using Land Registry data, Zoopla yields and Savills forecasts, they show how one investor ends up £83,000 ahead after just 10 years, simply because of where they chose to buy. If you've ever felt the pull to invest close to home, this one might change your mind.

(01:03) News story of the week

(02:52) Why investing close to home could be costing you tens of thousands

(04:49) The data that blows apart the “growth in the south, yield in the north” myth

(07:12) How affordability ratios reveal where the real opportunity lies right now

(09:51) A 10-year worked example comparing two investors with the same starting cash – and the huge gap that location alone creates

(13:35) Getting over the emotional barrier of investing away from home

(18:24) Hub Extra

Links mentioned:

Share of flipped homes falls to decade low

Zoopla’s UK’s highest yielding buy-to-let hotspots

ONS private rent and house prices

Use Google Gemini as a search engine

Prefer taking in information through audio? Use Google NotebookLM

Enjoy the show?

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