Tax might not be everyone’s cup of tea… but when it comes to property investment, it’s one of the biggest factors that can make or break your returns.
In this episode, Rob & Rob sit down with tax expert Nadeem Raziq, who’s worked with hundreds of investors to navigate the complex world of tax.
From the classic limited company question, to inheritance tax, trusts, and even strategies for what could be coming down the line – nothing’s off the table in this jam-packed conversation.
(0:57) News story of the week
(3:30) Talking all things tax with our expert Nadeem
(4:08) Beginning with the age-old limited company
(27:07) Let’s learn more about inheritance tax
(31:28) What about trusts?
(37:58) Hub Extra
Links mentioned:
Bradford property market retains top hotspot crown
Nadeem’s company, Provestor
The unknown number
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40:09
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40:09
ASK494: What do I do with these mortgage fees? PLUS: Use a bridge or buy cash?
It’s time for the latest edition of Ask Rob & Rob, so let’s dive right in!
(0:42) Danny started his property journey at the beginning of 2025, releasing equity from his home to fund his buy-to-let investments through a limited company. With mortgage fees of £4–6k each time, he asks Rob & Rob if he should be paying upfront or adding them to the loan.
(3:30) Will’s an aspiring investor with one buy-to-let and an unencumbered property he inherited. Eager to scale his portfolio quickly with BRR projects and auction buys, he’s torn between using costly bridging finance or refinancing the inherited property to release equity and fund deals with cash. He turns to Rob & Rob for their advice for which route makes more sense.
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Leave us a review on Apple Podcasts - it really helps others find us!
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Send us your question here – just hit record!.
Find out more about Property Hub Invest
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7:42
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7:42
Market Update - September 2025
The property world is in uproar with rumours of new tax changes. Headlines and speculation are everywhere, but what’s really going on? Tune in as Rob & Rob share what you actually need to know, and most importantly, explain what it could mean for investors.
Watch Rob D’s brand new YouTube video for a deeper dive into the government’s latest updates.
(0:47) The latest news for house prices.
(7:05) Does the rental market continue to grow?
(9:30) News from the House of Commons.
(18:33) What on earth is happening with the Renters Rights Bill?
(18:22) Hub Extra.
Links mentioned:
House Prices:
Annual house price growth softens in August
Halifax house price index
Rightmove house price index
London house prices to outperform rest of UK
Rental Market:
Private rent and house prices
Rental market holds firm as stock levels climb despite Renters’ Rights Bill concerns
Government:
Landlords could face tax on rental income in budget
Reeves considers replacing stamp duty with new property tax
Reeves leaves no stone unturned as she mulls reforms for property tax
Reed becomes new housing secretary after Rayner exit
Renters Rights Bill:
Renters’ Rights Bill is back in Parliament as finish line approaches
Other:
Alex Hormozi
Enjoy the show?
Leave us a review on Apple Podcasts - it really helps others find us!
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Find out more about Property Hub Invest
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22:06
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22:06
ASK493: Should I sell to avoid a big stamp duty bill? PLUS: Am I made to buy 4 HMOs?
Happy Tuesday! It’s time for Rob & Rob to answer two more great questions from our listeners!
(0:49) Toff’s a high-rate taxpayer with a well-performing buy-to-let in his personal name. He’s now looking to buy his own home but faces higher stamp duty that’ll add at least £10,000 to the cost. Weighing up whether to sell the rental and lose a good investment, move it into a limited company, or just accept the extra bill – he asks Rob & Rob if there’s a smarter move he’s missing.
(3:42) Jane’s living in Hong Kong and preparing to return to the UK after 15 years as an expat. With £300k to invest, she wants to build a portfolio that provides enough income to work part-time. Her current student HMO has worked well and she’s wondering if she should use the pot to buy four more student houses for cash flow.
Enjoy the show?
Leave us a review on Apple Podcasts - it really helps others find us!
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Send us your question here – just hit record!.
Find out more about Property Hub Invest
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8:09
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8:09
£60bn giant says property is dead: We fact-check
A top wealth firm says buy-to-let has had its day - but is that really true? We dig into the data, uncover what they missed, and reveal why property might be stronger than ever if you know how to play it.
(0:46) News story of the week.
(3:07) We’re recruiting! Check out our job roles.
(4:21) Property is officially dead?
(5.53) The Robs analyse their findings.
(7:49) Don’t ignore the power of leverage!
(9:54) London is underperforming – true or false?
(11:23) Steady growth isn’t sexy.
(14:24) Can a typical buyer even afford a house?
(18:09) Government vs. Landlords.
(21:40) Be mindful of where information is coming from!
(23:07) Hub Extra
Links mentioned
https://www.thetimes.com/uk/politics/article/landlords-national-insurance-tax-rental-income-xr085xd6s
www.propertyhub.net/jobs
https://www.rathbones.com/en-gb/wealth-management/media-centre/news-and-comment/research-shows-golden-age-of-uk-property-investment-is-over
https://www.whatsapp.com/
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
Find out more about Property Hub Invest
The Property Podcast from Property Hub (propertyhub.net) is the podcast for all property investors – new or experienced. Rob Bence and Rob Dix discuss a different property topic and property news item each week, passing on their knowledge and experience to the listeners. They both invest in UK Property so they practise what they preach. No hard sell, no bull just straight talking property investment advice!
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