The Property Podcast

Rob & Rob get asked how they fit it all in more than almost anything else. This week they answer it properly...

Pulling back the curtain on how they run their days, from the AI systems tracking what they've promised to the small rules that keep them consistent, this episode should help you optimise your day.

(00:58) News story of the week

(02:26) Why the small, repeatable stuff is what makes the big achievements land

(05:33) The template day, the 90% rule and the case for one less decision each morning

(09:49) What it’s worth to choose your own inputs

(15:23) The AI and paper pairing that keeps nothing slipping

(20:52) Treating your health like a set of KPIs

(28:33) Hub Extra

Links mentioned:

Over half of landlord offers come in 10% below asking price

Coffee with Rob - put your details down here

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What do you do when you've got enough to stop working, but spending it means you can never buy again?

And, even once you've built something worth passing on, how do you stop it being sold off the moment you're gone?

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

(00:41) Liam has an HMO, a couple of single lets and a construction company. He could replace his income tomorrow by putting his refinance money into two more HMOs, but that leaves nothing to recycle into future projects. Rob D refuses to treat this as a choice between two options.

(05:03) Ryan's portfolio is growing and his attention has turned to the generations after him. From wills to trusts, what does he need to be thinking about now? Rob B covers the structures an advisor might put in front of him, and the thing that matters more than all of them.

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August is always a strange month for property. This one is stranger than usual...

There’s been good and bad news in equal measure, and often it looks like the headlines are pointing in opposite directions.

In our latest market update, Rob & Rob go through every number that moved: prices, rents, lending and what landlords are doing with their money. Sentiment is grim, the returns on offer are the strongest in years, and the space between those two things is the whole story.

(00:45) A new Prime Minister, a returning Housing Secretary, and two property policies ruled out inside a week

(02:17) Rates held at 3.75%, and the biggest August drop in asking prices since 2018

(05:07) Four of the biggest lenders have repriced. Is this the start of a proper run of cuts?

(06:13) The average UK rent is now £1,369, and one city is running far hotter than that

(08:12) Landlords bought more homes than they sold for the first time since 2019

(09:15) Residential construction starts are down 46% year on year, and building cannot be switched back on quickly

Links mentioned:

Politics:

Burnham rules out property reform in Budget

Macro backdrop:

Bank of England holds at 3.75%

House prices:

Rightmove House Price Index

Nationwide's House Price Index

Lloyds' House Price Index (formerly Halifax)

Mortgages and lending:

Barclays, HSBC, Santander, Coventry all reprice down

Buy-to-let arrears and repossessions fall

Rents:

HomeLet Rental Index

Manchester city centre rental report

Landlord behaviour:

Hamptons: landlords are net buyers for the first time since 2019

Planning and supply:

Persimmon half-year results

Glenigan: residential construction starts down 46% year on year

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Could a doubling ground rent clause be a hidden opportunity, or a deal-breaker you can’t afford to ignore? And what happens when your tenant gives notice but then refuses to leave?

Your questions answered on today’s Ask Rob & Rob.

(00:45) Charlie’s got properties with ground rent clauses that double every 25 years. Will lenders play ball? Rob B explains why leverage is everything here, and why the upcoming Leasehold Reform Bill could change the game of ground rents.

(03:47) Ryan’s tenant gave two months’ notice but their onward move fell through, and his incoming tenant moved elsewhere - putting him back at square one. How can landlords best protect themselves in situations like this? Rob D breaks down where landlords legally stand.

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Here’s episode 700 of The Property Podcast, and Rob & Rob are marking the milestone by distilling everything they’ve learned across every single episode into 7 non-negotiable laws of property investment.

Miss even one, and your portfolio will suffer. Follow all 7, and the odds are stacked heavily in your favour.

(01:15) News story of the week

(04:47) Law 1: Why property without leverage isn’t worth your time

(11:15) Law 2: The long game (plus why your first year will be your worst)

(15:22) Law 3: Every property must pay you to hold it

(17:40) Law 4: Fundamentals drive everything

(20:47) Law 5: Follow the data and ignore the noise

(23:13) Law 6: Goals first, strategy second

(25:01) Law 7: Act like the CEO

(28:41) Hub Extra

Links mentioned:

Pet request data since the RRA

RRA impact on asking rent pricing

Watch Rafa on Netflix

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