This Property Life Podcast

In this episode, Caroline and Nick Claydon break down the essential skills needed for effective deal analysis. They focus on how to evaluate investment properties realistically, highlighting common pitfalls and strategic considerations that can make or break your returns. In this episode: How to assess typical property deals brought by new investors The importance of realistic cost and income calculations Case study comparison: flats vs houses in different locations The impact of management, operating costs, and tenant turnover on cash flow Why scaling your property portfolio reduces risk and enhances returns Long-term investment strategies versus short-term hassle-free options The value of proper tenant vetting and risk management How to identify more profitable markets like houses in regional towns The significance of ROI, stress testing, and refinancing for growth Timestamps: 00:00 - Why deal analysis is crucial for property success 00:32 - Typical deals from beginner investors and common errors 01:12 - What makes a rental deal financially sound or weak? 01:39 - The influence of location on property analysis (Bedford example) 02:28 - Flat example: purchase price, rent, and initial assumptions 03:11 - The importance of managing builder and refurbishment costs 04:08 - Calculating mortgage, deposits, and stress testing interest rates 05:22 - Breaking down monthly cash flow: rent, mortgage, management, and operating costs 06:32 - Managing service charges, void periods and tenant turnover 07:41 - ROI calculation and assessing capital efficiency 08:34 - Why initial surface appearances can be misleading (city flats vs houses) 09:02 - Long-term tenant profiles and vacancy risks 10:09 - The impact of tenant mobility on cash flow and costs 11:40 - Hidden costs in letting agents’ fees and maintaining properties 13:04 - Alternative investment options: houses in regional areas 15:19 - How to negotiate house purchases below market value 16:04 - Rental yields on houses and the importance of refurb costs 17:09 - Calculating cash flow for houses and the significance of yield 18:53 - ROI comparison: houses versus flats and scaling your portfolio 20:01 - The advantage of diversification and long-term growth strategies 22:07 - Why scaling and multiple properties are vital for risk reduction 23:07 - The importance of tenant vetting and avoiding nightmare tenants 24:19 - How professional investors think differently about property risk 25:41 - The value of properties that generate stable, long-term income 26:39 - Rents rising and interest rate locks—long-term buy-to-let outlook 27:17 - Future episodes focus on the depth of deal analysis and scaling strategies Resources & Links: Property Wealth Club Amazon - "The No Nonsense Guide To Property Investing" Instagram - carolineclaydon.property TikTok - Caroline Claydon Connect with the hosts: Caroline Claydon - Instagram | TikTok Nick Claydon - LinkedIn This episode emphasises that achieving strong property returns involves realistic assessment, strategic scaling, and understanding tenant dynamics. Whether you're new or experienced, these insights help shift your perspective towards more sustainable, long-term property wealth building. Hosted on Acast. See acast.com/privacy for more information.

Summary In this episode of The Property Life podcast, Caroline and Nick Claydon discuss the increasing trend of people leaving the UK for more tax-efficient locations, particularly Dubai. They explore the reasons behind this migration, including the perception of the UK as a challenging environment for entrepreneurs and the growing desire for flexibility in living arrangements. The conversation also touches on the opportunities that remain in the UK property market, the importance of family considerations in relocation decisions, and the potential for growth in the social housing sector. Ultimately, the couple reflects on their own decision to stay in the UK for now, while remaining open to future possibilities. Keywords UK migration, tax efficiency, property investment, Dubai, entrepreneurship, economic challenges, social housing, future planning, family decisions, property market Takeaways Many people are leaving the UK for more tax-efficient locations. The perception of the UK as a difficult place for business is growing. Dubai is seen as an attractive option for property investment. The UK government is perceived as not supporting entrepreneurs. The population's desire to rent is increasing, creating opportunities for landlords. Political chaos in the UK may lead to more opportunities for those who stay. The importance of considering family implications when relocating. Investors are looking for long-term opportunities despite current challenges. The social housing sector is expected to grow in the future. Future planning is essential for adapting to changing circumstances. Chapters 00:00 The Great Migration: Why People Are Leaving the UK 09:02 Exploring Opportunities Abroad: The Case for Dubai 17:55 Staying Put: The Decision to Remain in the UK 23:46 Future Plans and Business Ventures Hosted on Acast. See acast.com/privacy for more information.

In this episode of 'This Property Life', hosts Nick and Caroline Claydon delve into the 1% rule of property investment, a crucial guideline for investors to ensure they are making sound financial decisions. They explain how the rule serves as a sense check for determining whether a property is worth pursuing based on its rental income relative to its purchase price. The conversation covers practical applications of the rule, real-life examples, and the importance of understanding property types and locations. They also discuss the limitations of the 1% rule, particularly in relation to more advanced investment strategies, and emphasize the need for a mindset shift from focusing on purchase prices to rental income. The episode concludes with insights on scaling property investments and the significance of buying at a discount to maximize cash flow. Keywords 1% rule, property investment, cash flow, buy to let, rental income, property types, investment strategy, yield, ROI, property market Takeaways The 1% rule is a crucial tool for property investors. Monthly rent should equal about 1% of the purchase price. The rule helps prevent overpaying for properties. Understanding property types is essential for investment success. Investing in areas outside your immediate location can yield better results. The 1% rule is not applicable for advanced strategies like HMOs. Scaling investments is important for building a portfolio. Focus on rental income rather than purchase price. Buying at a discount allows for added value and cash flow. The numbers in property investment are black and white. Sound Bites "The 1% rule is a fail-safe tool." "It stops you overpaying." "Invest not near you." 🔗 Next Steps If you enjoyed this episode and want to go deeper: 👉 Explore more episodes of This Property Life 👉 Join our free training and resources at Property Wealth System 👉 Follow us for upcoming webinars and live sessions Chapters 00:00 Understanding the 1% Rule and why professional investprs use it 05:05 How to Apply the 1% Rule Using Rightmove 10:02 Real Time Area and Property Analysis 14:11 Limitations of the 1% Rule 17:49 Investing Beyond Your Local Market 21:08 Conclusion and Future Insights Hosted on Acast. See acast.com/privacy for more information.

In this episode of This Property Life, Nick is joined by Sarah to unpack one of the most talked-about stories in UK property right now — the idea that the housing market is “broken”, landlords are leaving in droves… and yet, millennials are becoming the fastest-growing group of new landlords. Following recent media coverage (including a Panorama episode and reporting in the Telegraph), we dig into what’s really happening behind the headlines — and why the reality on the ground looks very different from the narrative being pushed. This is an honest, data-led conversation about where the UK property market is heading, who’s still investing, and what today’s investors need to understand if they want to succeed long-term. 🔍 In This Episode, We Cover: Why millennials are now the largest group of new landlords in the UK What the media often gets wrong about buy-to-let and property investors How today’s investors are approaching property very differently from previous generations Why limited companies, strategy and cashflow matter more than ever The real impact of regulation, tax and interest rates What the “professionalisation” of property investment actually looks like Whether buy-to-let is really dead — or just evolving What this means for anyone considering investing in 2025 and beyond 🧠 Key Takeaway The property market isn’t broken — the old way of investing is. The investors who are still succeeding are: Strategic, not speculative Focused on numbers, not hype Willing to adapt to a changing market Building long-term, sustainable portfolios And increasingly, they’re doing it younger and smarter than ever before. 🎯 Why This Episode Matters There’s a huge amount of noise around property right now. This episode cuts through it. If you’re: Thinking about getting started Already investing but feeling uncertain Wondering whether property still stacks up Or trying to make sense of conflicting media headlines …this conversation will help you see the bigger picture. 🔗 Next Steps If you enjoyed this episode and want to go deeper: 👉 Explore more episodes of This Property Life 👉 Join our free training and resources at Property Wealth System 👉 Follow us for upcoming webinars and live sessions Chapters 00:00 Welcome to This Property Life Brought To You By Property Wealth Club 01:30 Are The Millennials and Gen Z Really Taking Over? 03:21 How Has The Buy To Let Landscape Changed? 07:59 What Is Driving The Millennial's Change In Mindset? 12:20 Common Mistakes Millennials Make in Property Investment 18:59 Aligning Property Investment with Life Goals 20:41 Conclusion: A Professional Approach Is Key To Success 22:42 Subscribe Here Hosted on Acast. See acast.com/privacy for more information.

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership —————————————————————— In this episode of This Property Life, host Sarah Blaney speaks with Esther Smith, a successful property investor, corporate contractor, and busy parent. Together with her husband Mark, Esther has built a portfolio of HMOs leased to supported living providers such as Serco. The conversation explores how to strategically balance property investing with a demanding career and family life, and dives into the practicalities and pitfalls of the supported housing model. Esther Smith is a contractor in the corporate world and a mother of young children, one of whom has autism. Esther brings a realistic, no-frills perspective to property investing, blending analytical skills, financial forecasting, and an acute awareness of social needs to build a portfolio with both purpose and profit. What You'll Learn: Timestamps [00:00] – Introduction to the Episode [02:18] – Why Esther chose property investing alongside a corporate career [04:32] – Transitioning to HMOs and choosing supported living as a strategy [06:08] – Challenges of property management and moving outside London [08:31] – The importance of patience and persistence in property [11:15] – The true timeline to cash flow a supported living HMO [19:30] – What to expect during refurb and compliance processes [26:24] – Lease signing: navigating Serco’s contracts and requirements [32:28] – Lending, insurance, and operational costs: myth vs reality [42:01] – Long-term goals, charitable aspirations, and future plans [47:37] – Wrapping up: advice on staying focused and aligned with your goals [51:37] – Where to connect with Esther Smith This Episode is Kindly Sponsored by: Visit thispropertylife.co.uk for more resources, networking events, and industry insights. Follow Esther Smith Socials: https://www.linkedin.com/in/esthersmith1https://espeopleandchange.com/ Follow Sarah Blaney Socials: https://www.linkedin.com/in/sarahpropertyandbusiness/https://www.facebook.com/sarah.blaney.1232https://www.instagram.com/sarah.in.property/ Follow This Property Life Podcast on Socials: https://thispropertylife.co.uk/https://www.instagram.com/thispropertylife/#https://www.facebook.com/profile.php?id=61564457166712&locale=en_GBhttps://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZhttps://www.linkedin.com/company/this-property-life-podcast/about/https://www.tiktok.com/@thispropertylifehttps://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUghttps://x.com/propertylifepod Hosted on Acast. See acast.com/privacy for more information.

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership —————————————————————— In this episode of This Property Life, host Sarah Blaney speaks with Jake Colwill, an experienced property investor and developer based in Bristol. Jake shares how he and his partner Lucy have built a smart, sustainable property business by flipping properties to generate capital, which they then reinvest into high-quality HMOs in premium southern markets. What You'll Learn: Timestamps [02:39] - The Origins of Their Strategy [06:03] - Freehold Blocks and Title Splits [09:22] - Sourcing Off-Market Deals [16:02] - Structuring Their Business [19:01] - What Makes a Premium HMO [22:01] - Valuations: Commercial vs. Bricks & Mortar [24:37] - Hold Strategy and Long-Term Thinking [27:36] - Building Momentum Through Niching [30:29] - Final Thoughts and Resilience in Property This Episode is Kindly Sponsored by: Visit thispropertylife.co.uk for more resources, networking events, and industry insights. Follow Jake Colwill Socials: https://www.linkedin.com/in/jake-colwill-1279b9104/?originalSubdomain=ukhttps://www.instagram.com/jake_colwill/https://www.linkedin.com/company/innova-property/https://www.innova-property.com/ Follow This Property Life Podcast on Socials: https://thispropertylife.co.uk/https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZhttps://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Hosted on Acast. See acast.com/privacy for more information.

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership —————————————————————— In this episode of This Property Life, host Sarah Blaney is joined by property expert Wendy Whitaker-Large to tackle a provocative and controversial question: Are landlords responsible for the housing crisis? Wendy offers a balanced and experience-led take as they explore key topics such as supply planning, government policy, investor behavior, and what’s really driving the shortage of homes in the UK. What You'll Learn: Timestamps [01:04] - Introduction of Wendy Whitaker [02:28] - Secondhand Properties & Landlord Refurbishments [06:05] - Media's London Focus [08:09] - Home Ownership and Affordability [12:30] - Right to Buy & Housing Shortage [16:56] - Government Debt & Economic Challenges [21:23] - Small Builders vs. Large Developers [31:19] - Government's Reliance on Private Landlords [40:58] - Renters’ Rights Bill Impact [50:46] - Conclusion and Final Thoughts This Episode is Kindly Sponsored by: Visit thispropertylife.co.uk for more resources, networking events, and industry insights. Follow Wendy Whittaker Socials: https://www.linkedin.com/m/in/wendy-whittaker-largehttps://www.wendywl.uk/https://www.facebook.com/wendywlarge/https://www.instagram.com/wendy_whittakerlarge/ Follow This Property Life Podcast on Socials: https://thispropertylife.co.uk/https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZhttps://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Hosted on Acast. See acast.com/privacy for more information.

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership —————————————————————— In this episode of This Property Life, host Sarah Blaney speaks with Michael Dean, co-founder of Avamore Capital, about the current challenges facing UK property developers. What You'll Learn: Timestamps [02:34] - Michael’s Background [05:36] - Build Cost Inflation, Slow Sales, And Landowner Expectations [09:00] - Why Small-To-Mid Deals Offer More Flexibility [14:38] - Deferred Payments, Overage, Jv Agreements [21:49] - Finding The Right Landowners: Motivated & Pressurised Sellers [29:44] - Operator Vs. Discretionary Developer Mentality [34:24] - Outlook On Interest Rates And The Market Bottom [42:42] - Political Risks And Budget Speculations [45:27] - Final Thoughts & Getting In Touch This Episode is Kindly Sponsored by: Visit thispropertylife.co.uk for more resources, networking events, and industry insights. Follow Michael Dean Socials: https://www.linkedin.com/in/propertyfunder/https://www.instagram.com/property_funder/https://www.linkedin.com/company/avamore-capital/https://www.instagram.com/avamorecapital/https://www.instagram.com/thepfppodcast/ Follow This Property Life Podcast on Socials: https://thispropertylife.co.uk/https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZhttps://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Hosted on Acast. See acast.com/privacy for more information.

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership —————————————————————— In this episode of This Property Life, host Sarah Blaney sits down with Michael Langley, a small-scale property developer who has built his business through smart partnerships and a clear vision. What You'll Learn: Timestamps [02:12] - Michael's transition from architecture to property development [06:22] - Michael discusses meeting his business partner, Christian [11:57] - How profit and project responsibilities are split in their JVs [19:13] - Explanation of Special Purpose Vehicles (SPVs) and their operational structure [23:55] - The cost breakdown of building in different areas [31:24] - Case study of their current development project in Forest Hill, London [42:03] - Challenges in construction costs and subcontractor management [46:34] - Planning delays and the frustrations with under-resourced planning departments [57:26] - Stress-testing deals to ensure investor returns even with market fluctuations [59:47] - Michael’s advice for new developers This Episode is Kindly Sponsored by: Visit thispropertylife.co.uk for more resources, networking events, and industry insights. Follow Michael Langley Socials: https://www.linkedin.com/in/michael-langley-mla/?originalSubdomain=ukhttps://www.instagram.com/mlangleyproperty/ Follow MLA Architecture Ltd: https://mla-architecture.co.uk/https://www.instagram.com/mlaarchitecture/ Follow Turnkey Developments Ltd: https://www.turnkey-developments.co.uk/https://www.instagram.com/turnkey_developments/ Follow This Property Life Podcast on Socials: https://thispropertylife.co.uk/ Hosted on Acast. See acast.com/privacy for more information.

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership —————————————————————— In this episode of This Property Life, Sarah Blaney welcomes back property expert James Lynch to look into title splitting. While James’s expertise centers on splitting freehold buildings into leasehold units, the practical strategies he shares today are transferable to almost any property transaction. What You'll Learn: Timestamps [02:00] - Tip #1: Use PropTech to Source Smart [04:41] - Tip #2: Go Off-Market [05:50] - Tip #3: Save on Stamp Duty (Legally) [08:39] - Tip #4: Due Diligence from a Distance [14:17] - Tip #5: Work with the Right Solicitors [18:16] - Tip #6: Save on Lease Plans [22:54] - Tip #7: Get the Right Valuer [29:13] - Tip #8: Choose the Right Lender and Broker [31:57] - Tip #9: Expedite Title Registration [34:07] - Conclusion & How to Contact James This Episode is Kindly Sponsored by: Visit thispropertylife.co.uk for more resources, networking events, and industry insights. Follow James Lynch Socials: https://www.linkedin.com/in/jameshlynch/?originalSubdomain=ukhttp://www.thetitlesplitconsultant.co.uk/https://www.linkedin.com/company/thetitlesplitconsultant/https://www.facebook.com/p/The-Title-Split-Consultant-61564947800547/https://www.instagram.com/thetitlesplitconsultant/?hl=en Follow This Property Life Podcast: https://thispropertylife.co.uk/https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZhttps://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Hosted on Acast. See acast.com/privacy for more information.

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership —————————————————————— In this episode of This Property Life, host Sarah Blaney looks into the world of Houses in Multiple Occupation (HMOs) with seasoned investor Henry Davis. With over 30 years of experience, Henry shares the practical lessons he's learned from building and managing both small and large-scale HMOs. What You'll Learn: Timestamps [03:45] - Why Henry chose HMOs for better cash flow [05:13] - Design pitfalls and why most HMOs fail at tenant retention [11:26] - Choosing your tenant avatar: professionals vs. students [20:33] - Furniture, fittings, and clever layout tips for durability [26:16] - How to create inviting, robust communal areas [36:32] - Scaling up: large HMOs, planning permission, and property selection [38:16] - Data-driven investing and mastering local planning policy [42:51] - Budgeting, working with QSs, and paying builders wisely [55:03] - Final advice, practical tips, and where to find Henry’s resources This Episode is Kindly Sponsored by: Visit thispropertylife.co.uk for more resources, networking events, and industry insights. Follow Henry Davis Socials: https://www.linkedin.com/in/henrydavisproperty/https://henrydavisproperty.com/https://www.instagram.com/henrydavisproperty/https://www.facebook.com/HenryDavisProperty Follow This Property Life Podcast on Socials: https://thispropertylife.co.uk/https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZhttps://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Hosted on Acast. See acast.com/privacy for more information.

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership —————————————————————— In the fourth and final episode of the "Controlling the Uncontrollables" mini-series, Nick and Caroline look into one of the biggest fears in property development: working with builders and contractors. From sourcing reliable tradespeople to managing quotes, timelines, and red flags, this episode arms property investors with practical insights to help them navigate the tricky terrain of contractor relationships. What You'll Learn: Timestamps [02:58] - What Makes a Good Contractor [06:37] - Why You Don’t Need a Builder Before a Deal [09:35] - Estimating Refurb Costs Independently [12:56] - Finding Reputable Builders [16:35] - What to Ask When Vetting a Builder [21:44] - Setting Expectations and Incentivising Deadlines [28:59] - Spotting Red Flags and Trusting Your Gut [40:50] - Payment Terms and Financial Protection [48:12] - Looking Ahead: Buying Boring Businesses This Episode is Kindly Sponsored by: Visit thispropertylife.co.uk for more resources, networking events, and industry insights. Follow Caroline Claydon Socials: https://www.linkedin.com/in/caroline-claydon-propertyhttps://www.carolineclaydon.com/ Follow Nick Claydon Socials: https://www.linkedin.com/in/nick-c-651a141a1/ Follow This Property Life Podcast on Socials: https://thispropertylife.co.uk/https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZhttps://www.linkedin.com/company/this-property-life-podcast/about/https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Hosted on Acast. See acast.com/privacy for more information.

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership —————————————————————— In this episode, Sarah Blaney and Nick Claydon respond directly to a recent BBC Panorama documentary on the UK government's ambitious pledge to build 1.5 million new homes by 2029. What You'll Learn: Timestamps [03:02] - Housing Crisis Origins: Thatcher, Right to Buy & No Replacements [04:57] - Construction Chaos: Brexit, Boomers & University Overload [09:10] - The Fantasy of 1.5 Million New Homes [12:16] - Why Landlords Aren’t the Villains You Think [15:24] - Greenbelt vs Grey Belt: The Land We Can’t Touch [20:17] - Planning Hell: Local Council Shenanigans [27:31] - Eight Years for Planning on a Brownfield Site [29:34] - Nutrient Neutrality, Sewage, and 40-Year Mistakes [32:48] - Final Thoughts: How Do We Fix This? This Episode is Kindly Sponsored by: Visit thispropertylife.co.uk for more resources, networking events, and industry insights. Follow Sarah Blaney Socials: https://www.linkedin.com/in/sarahpropertyandbusiness/https://www.facebook.com/sarah.blaney.1232https://www.instagram.com/sarah.in.property/ Follow Nick Claydon Socials: https://www.linkedin.com/in/nick-c-651a141a1/ Follow This Property Life Podcast on Socials: https://thispropertylife.co.uk/https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZhttps://www.linkedin.com/company/this-property-life-podcast/about/https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Hosted on Acast. See acast.com/privacy for more information.

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership —————————————————————— In this episode, Sarah Blaney and Nick Claydon return to the topic of Energy Performance Certificates (EPCs), shifting the focus from England and Wales to the Scottish property market. What You'll Learn: Timestamps [01:50] - Current EPC Standards in Scotland [03:32] - Introduction of the Heat Retention Rating (HRR) [04:20] - Clean Energy and Heating Systems [05:51] - The Unintended Consequences of Policy [07:47] - EPC Validity Period Shrinks to Five Years [08:37] - Types of Housing Stock in Scotland [12:01] - Investment Recommendations [15:48] - Should You Panic or Prepare? This Episode is Kindly Sponsored by: Visit thispropertylife.co.uk for more resources, networking events, and industry insights. Follow Sarah Blaney Socials: https://www.linkedin.com/in/sarahpropertyandbusiness/https://www.facebook.com/sarah.blaney.1232https://www.instagram.com/sarah.in.property/ Follow Nick Claydon Socials: https://www.linkedin.com/in/nick-c-651a141a1/ Follow This Property Life Podcast on Socials: https://thispropertylife.co.uk/https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZhttps://www.linkedin.com/company/this-property-life-podcast/about/https://www.tiktok.com/@thispropertylifehttps://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Hosted on Acast. See acast.com/privacy for more information.

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership —————————————————————— In this episode of This Property Life, host Sarah Blaney sits down with Peter Vandervennin, an industry veteran with 25 years as a mortgage advisor and 43 years in financial services. With rates fluctuating, fees soaring, and lender criteria tightening, UK property investors face increasing challenges when financing or refinancing properties. What You'll Learn: actually Timestamps [00:00] - Introduction to the Episode [02:03] - Why Lender Fees Are Sky-High [06:45] - Why Mortgage Products Are Pulled Overnight [09:03] - Do Lenders Dislike Certain Postcodes or Landlords? [14:27] - Why Refinancing is So Painful Now [18:23] - Do Lenders Really Check Affordability? [22:20] - Why Mortgage Applications Get Declined [28:36] - What Are Lenders Really Looking For? [30:48] - Fix for 2 Years, 5 Years, or Go Variable? [33:43] - Final Thoughts and How to Connect This Episode is Kindly Sponsored by: Visit thispropertylife.co.uk for more resources, networking events, and industry insights. Follow Peter Vandervennin Socials: https://www.linkedin.com/in/peter-vandervennin-dipfa-cemap-mifs-52112b25/https://www.linkedin.com/company/the-mortgage-consultancy/https://www.themortgageconsultancy.co.uk/ Follow This Property Life Podcast on Socials: https://thispropertylife.co.uk/https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZhttps://www.linkedin.com/company/this-property-life-podcast/about/https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Hosted on Acast. See acast.com/privacy for more information.

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership —————————————————————— In this episode of This Property Life, Sarah Blaney and Nick Claydon break down the ongoing discussions around EPC (Energy Performance Certificate) changes in England and Wales. With rising concerns about the cost of property upgrades and the future of rentability, the hosts offer practical advice for landlords and investors, aiming to reduce panic and provide clarity. What You'll Learn: Timestamps [00:00] - Introduction [01:27] - Episode Overview [03:33] - Breakdown of Energy Performance Certificate [05:06] - Practical Steps for Landlords [09:27] - Discussion on Political Uncertainty [13:06] - Cost Cap and Regional Disparities [14:45] - Housing Market Impact on Tenants [18:03] - The Importance of Long-Term Outlook [19:54] - Final Thoughts and Advice This Episode is Kindly Sponsored by: Visit thispropertylife.co.uk for more resources, networking events, and industry insights. Follow This Property Life Podcast on Socials: https://thispropertylife.co.uk/https://www.instagram.com/thispropertylife/#https://www.facebook.com/profile.php?id=61564457166712&locale=en_GBhttps://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZhttps://www.linkedin.com/company/this-property-life-podcast/about/https://www.tiktok.com/@thispropertylifehttps://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUghttps://x.com/propertylifepod Hosted on Acast. See acast.com/privacy for more information.

Ready to unlock your Property Investment game in 2025? Grab your FREE copy of our Buy-to-Let market guide today! https://bit.ly/buy-to-let-hotspots-guide-2025 —————————————————————— In this episode of This Property Life, Nick and Caroline continue their four-part series on controlling the Uncontrollables in property investing. In this part, they focus on navigating the complex world of planning permissions, builders, and contractors. What You'll Learn: Timestamps [00:00] - Introduction [01:21] - Overview of the Episode [02:40] - Understanding the Planning Process [05:55] - How To Use The Local Authority's Planning Portal [08:18] - Pros and Cons of Pre-Applications [15:25] - Working with Historic Scotland [22:33] - Planning Timeframes, Delays & Tactics [28:59] - How The Committee Process Works [36:19] - Political Bias & Planner Personality Conflicts [42:31] - Closing Thoughts: and Key Takeaways This Episode is Kindly Sponsored by: Visit thispropertylife.co.uk for more resources, networking events, and industry insights. Follow Caroline Claydon Socials: https://www.instagram.com/carolineclaydon.property/https://www.linkedin.com/in/caroline-claydon-propertyhttps://www.carolineclaydon.com/ Follow This Property Life Podcast on Socials: https://thispropertylife.co.uk/https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZhttps://www.linkedin.com/company/this-property-life-podcast/about/https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Hosted on Acast. See acast.com/privacy for more information.

Ready to unlock your Property Investment game in 2025? Grab your FREE copy of our Buy-to-Let market guide today! https://bit.ly/buy-to-let-hotspots-guide-2025 —————————————————————— In this episode of This Property Life, Sarah Blaney welcomes Elina James to discuss the dynamic world of property flipping in one of the most competitive markets in the world; London. Property flipping in high-value areas often feels unattainable, but Elina proves otherwise with her bold and strategic approach. What You'll Learn: Timestamps [00:00] - Introduction & Guest Welcome [03:32] - From Finland to London: Elina’s Property Journey [05:53] - How Networking Unearthed a Hidden Gem [08:57] - Creative Deal-Making and Securing Below Market Value [12:12] - Rapid Renovation: A 2.5-Week Turnaround for £21K [16:04] - High-End Marketing with a Twist [21:00] - Agent Relationships & Finding the Next Deal [22:10] - Key Takeaways for Flipping in Competitive Markets [28:16] - Closing Thoughts This Episode is Kindly Sponsored by: Visit thispropertylife.co.uk for more resources, networking events, and industry insights. Follow Elina James Socials: https://www.linkedin.com/in/elinaajames/?originalSubdomain=ukhttps://www.facebook.com/people/Elina-James-Property/61577611802724/# Follow This Property Life Podcast on Socials: https://thispropertylife.co.uk/https://www.instagram.com/thispropertylife/#https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZhttps://www.linkedin.com/company/this-property-life-podcast/about/https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Hosted on Acast. See acast.com/privacy for more information.

Ready to unlock your Property Investment game in 2025? Grab your FREE copy of our Buy-to-Let market guide today! https://bit.ly/buy-to-let-hotspots-guide-2025 —————————————————————— In this second episode of their four-part series, Nick and Caroline look into the complexities of property lending, a crucial yet often misunderstood part of property investing. Focused on larger and more complex development projects, this episode uncovers the true risks, strategies, and horror stories involved in financing property deals. What You'll Learn: Timestamps [00:00] – Intro & Overview of the 4-Part Series [01:56] – Why Lending is Crucial and When You Need It For Your Projects [05:27] – The Importance Of Accurate Numbers And Avoiding Over-Optimistic Estimates [08:59] – Regulated vs. Unregulated Lending Explained [15:40] – Planning, Bridging & the Risks of Timeframes [18:48] – How Development Finance Works & Why It’s Risky [24:38] – Real-Life Red Flag Stories (And Close Calls) [27:23] – The Dangers of Going “All In” with One Lender [39:40] – Scaling, Private Equity & Knowing Your Risk Appetite [44:54] – Closing Thoughts & Teaser for the Next Episode This Episode is Kindly Sponsored by: Visit thispropertylife.co.uk for more resources, networking events, and industry insights. Follow Caroline Claydon Socials: https://www.linkedin.com/in/caroline-claydon-propertyhttps://www.carolineclaydon.com/ Follow This Property Life Podcast on Socials: https://thispropertylife.co.uk/https://www.instagram.com/thispropertylife/#https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZhttps://www.linkedin.com/company/this-property-life-podcast/about/https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Hosted on Acast. See acast.com/privacy for more information.

Ready to unlock your Property Investment game in 2025? Grab your FREE copy of our Buy-to-Let market guide today! https://bit.ly/buy-to-let-hotspots-guide-2025 —————————————————————— In this episode of This Property Life, Sarah Blaney is joined by James Lynch, a seasoned property investor who specializes in title splits. James shares how this strategy helped him accelerate his property growth and turn his portfolio from 5 properties in Bristol to 45 overnight. What You'll Learn: Timestamps [02:57] - James' Property Background [04:26] - Vertical vs. Horizontal Title Splits [07:09] - How James Got Started [10:31] - Purchasing the 40-Flat Block [19:32] - Valuation and Bridging Finance [25:39] - Legal Challenges with Leaseholds [42:24] - Lessons Learned from the Deal [56:41] - Conclusion & Key Takeaways This Episode is Kindly Sponsored by: Visit thispropertylife.co.uk for more resources, networking events, and industry insights. Follow James Lynch Socials: https://www.linkedin.com/in/jameshlynch/?originalSubdomain=ukhttp://www.thetitlesplitconsultant.co.uk/https://www.instagram.com/thetitlesplitconsultant/?hl=en Follow This Property Life Podcast on Socials: https://thispropertylife.co.uk/https://www.facebook.com/profile.php?id=61564457166712&locale=en_GBhttps://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZhttps://www.linkedin.com/company/this-property-life-podcast/about/https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Hosted on Acast. See acast.com/privacy for more information.