18 episodes

The Business of Property follows the journey of two entrepreneurs working in the property world.
Stuart is a property investor with a focus on HMOs, mostly for the student market. He prefers a hands-off approach with most of his investment properties being remote.
Simon has a small portfolio of vanilla buy-to-let properties that he mostly self-manages. To make his property management easier he created Property and Tenant Manager (https://www.patma.co.uk/).
Simon and Stuart, along with guests, discuss the ups and downs they're experiencing in their property businesses. Along the way they share property news, business tips and anything else that happens to crop up their weekly chats.
Popular episodes include:
Property investment terms (https://www.thebusinessofproperty.com/12) - great if you're just getting started in property and need some help understanding the common jargon.
Property strategy terms (https://www.thebusinessofproperty.com/13) - another jargon busting episode that's great if you're early in your property journey or considering changing your property strategy.
Changes for landlords in 2020 (https://www.thebusinessofproperty.com/9) - every year brings new regulations to the property sector and 2020 is no different, listen to this episode to hear some of the major changes and check the show notes for details on others.
Other great (property) podcasts (https://www.thebusinessofproperty.com/6) - what have Stuart and Simon been listening to recently and recommend in the podcast world, not just property related.
Less property but relevant to everyone is a discussion on time management (https://www.thebusinessofproperty.com/10).
Last but not least are a couple of episodes that talk about angel investing (https://www.thebusinessofproperty.com/14) and property finance (https://www.thebusinessofproperty.com/15) more widely.

The Business of Property The Business of Property

    • Investing

The Business of Property follows the journey of two entrepreneurs working in the property world.
Stuart is a property investor with a focus on HMOs, mostly for the student market. He prefers a hands-off approach with most of his investment properties being remote.
Simon has a small portfolio of vanilla buy-to-let properties that he mostly self-manages. To make his property management easier he created Property and Tenant Manager (https://www.patma.co.uk/).
Simon and Stuart, along with guests, discuss the ups and downs they're experiencing in their property businesses. Along the way they share property news, business tips and anything else that happens to crop up their weekly chats.
Popular episodes include:
Property investment terms (https://www.thebusinessofproperty.com/12) - great if you're just getting started in property and need some help understanding the common jargon.
Property strategy terms (https://www.thebusinessofproperty.com/13) - another jargon busting episode that's great if you're early in your property journey or considering changing your property strategy.
Changes for landlords in 2020 (https://www.thebusinessofproperty.com/9) - every year brings new regulations to the property sector and 2020 is no different, listen to this episode to hear some of the major changes and check the show notes for details on others.
Other great (property) podcasts (https://www.thebusinessofproperty.com/6) - what have Stuart and Simon been listening to recently and recommend in the podcast world, not just property related.
Less property but relevant to everyone is a discussion on time management (https://www.thebusinessofproperty.com/10).
Last but not least are a couple of episodes that talk about angel investing (https://www.thebusinessofproperty.com/14) and property finance (https://www.thebusinessofproperty.com/15) more widely.

    Episode 18: Keep moving forwards

    Episode 18: Keep moving forwards

    Simon and Stuart are settling into the new lock-down normal, struggling to keep track of the days, but otherwise still moving forwards with their property businesses.


    Following the supposed shutdown of the property market, Stuart still seems extremely busy. With valuations, refinancing, building works and title splits there's a lot going on! And it's almost all continuing at almost full steam!


    Stuart and Simon discuss how current technology is allowing many to continue with life and work despite the social distancing requirements. It is a shame about all the zombie mailing lists being resurrected though.


    The world is changing but it's still spinning. Property, business and life all continue to move forwards.


    Please do get in touch and share your experiences of the property business in the these strange times.


    For video conference technology we recommend Jitsi which is completely free and based on open source software, and Zoom.


    This episode was recorded (remotely) on the 27th of March 2020.

    • 24 min
    Episode 17: A new property landscape

    Episode 17: A new property landscape

    Stuart and Simon chat about updates in their property businesses, especially in light of the rapidly and drastically changing world we currently live in!


    (Please accept our apologies for slightly more background noise than normal on this episode.)


    Note this episode was recorded several days before release and before the most dramatic "lockdown" imposed early this week!


    What does the current world situation mean for Stuart's flip project that's just been finished and is now ready to be marketed.


    Do you have an emergency fund? How safe or strong is it looking now?


    Simon's update is more virus-free - an exciting update to the free PaTMa Property Tools browser extension.

    • 19 min
    Episode 16: Has the property market caught COVID-19?

    Episode 16: Has the property market caught COVID-19?

    Simon and Stuart are joined this week by Emma! Given everyone is talking about the current virus outbreak, we thought we'd join in. The conversation covers what's happening already in the property world as well as what might be coming.


    Sales transactions are being cancelled, viewings are down and those that do happen are more difficult. But there are video tours!


    Stuart's flip project is nearly ready to come to market and he's refusing to be down-beat about his future with the property.


    The property market started really well in 2020 - with a significant increase in the number of buyers around, especially those looking to move out of London.


    How do you move house if you're in lock-down? Those who've recently exchanged with a set completion date coming up might have to find out!


    What can a landlord do if/when their tenants simply don't have money to pay rent due to COVID-19? Could we handle it like we normally would or does it have to be different because it's happening en-masse?


    Can the impact on the future of the property market be predicted? Can we even predict how long it will be before life gets back to normal?


    Everyone should be planning now, prepare your business while there's time - to both weather the storm and be ready to make the most of the recovery afterwards.


    Emma's property business is The Estate Agents Hub.


    The official Government information on COVID-19 is here.
    Special Guest: Emma Halliwell Marks.

    • 25 min
    Episode 15: Our property financing

    Episode 15: Our property financing

    Stuart and Simon talk about financing property and how they do it.


    Simon's oldest mortgage is actually still a residential one with consent to let and it's an old mortgage! In fact his oldest two mortgages are both very low trackers which makes them hard to give up, despite the potential to extract further funds.


    Stuart doesn't have any old mortgages! He's strictly a short term, fixed rate, mortgage user. Aiming for maximum flexibility at minimum cost. He has even chosen flexibility and avoiding ERCs (Early Redemption Charges) over a cheaper rate at times!


    Simon and Stuart compare their typical LTV (Loan to Value) rates and discuss what a high LTV can mean. Is it safe and when does it matter?


    The discussion moves on to bridging finance - how is it different from a traditional mortgage? Typical rates and the application process are discussed along with other factors.

    • 22 min
    Episode 14: Updates and angel investing

    Episode 14: Updates and angel investing

    Stuart and Simon provide updates ranging from football coaching to property angel investment.


    Simon is soon expecting his money back from a small angel investment project. Stuart and Simon discuss many of the aspects around making angel investments in property companies - effectively an unsecured loan to that company. Why would you? How does it work?


    Is there actually a "Boris bounce" in the early 2020 property market?


    The 18-year property cycle gets a mention in relation to a recent Property Hub podcast episode.

    • 23 min
    Episode 13: Property strategy terms, glossary 2

    Episode 13: Property strategy terms, glossary 2

    What can you do with a property?


    Buy it!


    Stuart and Simon cover a few terms around various property investment strategies:



    Buy to sell (also known as "flipping")
    Rent to rent (R2R)


    Rent to HMO (R2HMO)
    Rent to SA (R2SA)

    Below market value (BMV) - does it exist?


    Off market sellers
    Motivated sellers

    Buy to let (BTL)


    Single let / vanilla BTL
    House of Multiple Occupation (HMO)

    Article 4 / HMO planning permission
    Serviced Accommodation / Holiday Lets / Short term lets
    Buy refurbish refinance (BRR)
    "Light" refurb
    Back to brick
    No money down (NMD) / No money left in (NMLI)

    • 24 min

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