The Property Podcast

Should you buy with cash or take out a mortgage when you're starting out? And what happens when the tenant you're evicting gets a job at your company?

Rob & Rob answer two tricky listener questions on this week's show.

(00:48) Alice has £600,000 saved and wants to get into property, but she's torn between flipping doer-uppers with cash and building a rental portfolio with a mortgage. Which way should she go? Rob B explains what needs to come first, before any strategy is on the table.

(05:24) Mike's non-paying tenant is due to be evicted by bailiffs, but they’ve just been hired by the same company he works for. Should he reveal he's the landlord, or keep quiet? Rob D weighs up the risks to the eviction, and how the new job could work in his favour.

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The Renters' Rights Act has been live for five months. The changes it's caused aren't the ones anyone was arguing about beforehand...

Rob & Rob get into the bidding ban that backfired, the financially secure tenants now struggling to rent at all, and the new fees letting agents are testing on landlords. Then they work out what £100,000 in savings is really earning once tax and inflation have taken their share, and what the same money does over five years in property.

(02:05) Inverse bidding wars, and why landlords are advertising rents above what they expect to get

(06:54) Is the ban on rent in advance shutting out the tenants who can most afford it?

(08:25) The fee one agent quoted Rob B for a £25 a month increase

(13:06) Why a 5% savings rate is a trap, and who is walking into it

(15:26) What £100,000 in the bank really pays you after tax and inflation

(17:18) The same money in property, and the gap after five years of modest growth

(21:16) Hub Extra - which side of AI your income lands.

Links mentioned:

London landlords' latest tactic: inverse bidding wars

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Should you add the mortgage fee to your loan, or pay it upfront? And if your tenant's running a business from your rental, what does that mean for your insurance and mortgage?

Rob & Rob tackle both questions on Tuesday’s Ask Rob & Rob.

(00:41) Esther is buying her first property through Property Hub and weighing mortgage deals with and without an arrangement fee. Should she pay the fee upfront or add it to the loan? Rob D breaks down the two options.

(04:00) Lawrence and his brother have discovered their long-term tenants are running a commercial business from the property. Does this invalidate the landlord insurance and mortgage, and what should he do about it? Rob B sets out the checks to make and the steps to take before it becomes a bigger problem.

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Whatever the national rent headline says this month, there's a good chance it isn't describing everything...

Rob & Rob are joined by Richard Donnell, Executive Director of Research at Zoopla, who tracks what 9 million monthly users do on the site and how landlords and agents set rents in real time.

He takes them through what's driving the gap between one town and the next, and why the case for owning rental property looks nothing like it did 10 years ago. There's also a free tool to check what your own property should be letting for.

(02:30) The number that took everyone by surprise, and why it has completely reversed

(04:47) Where rents are climbing fastest right now, and what those markets have in common

(10:01) Does the data prove the Renters' Rights Act has pushed advertised rents up?

(14:49) Why huge demand for rented homes in London still isn't pushing rents up much

(17:51) Why the reason for owning rental property has flipped since the tax changes

(22:56) Richard's call on rents over the next 12 months

(24:58) Hub Extra

Links mentioned:

Zoopla's rental estimate calculator

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What would you do differently if you were buying your first buy-to-let today? And can you get a mortgage on a property you're planning to rent to a family member?

Your questions answered on this week's episode of Ask Rob & Rob.

(00:48) Anya is renovating her own home and plans to put the equity into her first buy-to-let, but she's hesitant about taking the plunge. How do you buy with confidence when it's your first? Rob B sets out what he'd put in place to take the guesswork out of it.

(03:59) Sarah's second buy-to-let stacks up on paper, but she wants to rent it to a family member and has been told no lender will touch it. Is that right, and does buying in her own name solve it? Rob D explains what changes when a let is regulated, and what that does to the terms on offer.

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