The Property Podcast Rob Bence and Rob Dix from The Property Hub

The Robs are back with their second episode on inflation

This might just be the most important podcast episode Rob & Rob have done yet.  

If you understand this episode, then you’ll understand the secret to being wealthy. 

Last week we talked about inflation in the short-term, so this week we’re looking at long-term inflation. The dynamic that produces inflation for the long-term is completely different to the short-term.  

The Robs are going to be looking at what causes long-term inflation, the effects for property investors and what the coming years might look like.  

So, if you’re wanting to prepare for a strong future, then make sure you listen to today’s episode.  

 

In the news 

This week’s news story comes from the Financial Times and the headline reads, ‘Bank of England urged to spell out plans to curb inflation’.  

After speaking about inflation for the past couple of weeks, it seems that even the House of Lords are getting in on the action now. Their economics affairs committee have been questioning the Bank of England and have said it needs to provide a better justification for believing the rise in inflation is temporary. 

They’ve also said that the Bank of England has become obsessed with quantitative easing and are using it to solve all the economic issues.  

 

Hub Extra 

After a hard-hitting episode, we thought we’d give you something easy to wind down and give you a little bit of escapism.  

It’s a series on Netflix called ‘The World’s Most Amazing Vacation Rentals’. Three hosts go all around the world from the USA to Bali looking at holiday rental properties that you can rent out, depending on your budget.  

So, if you have a holiday let strategy, you might pick up a few tips from it. 

 

Let’s get social 

We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do. 

Make sure you’ve liked and subscribed to our YouTube channel where we upload new content every week!  

If that wasn’t enough, you can also join our friendly property community on the Property Hub forum. 

See omnystudio.com/listener for privacy information.

This week on Ask Rob & Rob we’re talking all things money and mortgages. 

Our first question is about leverage and comes from Tyrone. 

He wants to know if there’s a right amount of leverage to go for.  

Tyrone is planning on re-mortgaging his property, but he doesn’t know what level he should go to. So, he’s asking for advice on how to calculate it and how he can balance the risk. 

Our second question comes from James who wants to know about residential mortgages.  

He’s got a three-bedroom property with a residential mortgage that runs out shortly. James has decided that he wants to convert it into a four-bedroom HMO property.  

So now James is wanting to know if he can renew his residential mortgage or if he has to get a buy-to-let mortgage instead.  

Tune in to find out. 

 

Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply).  

Or if you prefer, click here to leave a recording via your computer instead. 

The next question on Ask Rob & Rob could be yours.  

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself. 

See omnystudio.com/listener for privacy information.

Everyone is now talking about inflation (H3) 

Inflation is here and things are visibly getting more expensive from month-to-month.  

But why is it happening?  

Will it last?  

And what is the government going to do about it?  

Rob & Rob are going to be answering all these questions in today’s episode of The Property Podcast. 

Inflation can mean the difference between being wealthy or poor when you’re older, so it’s important to understand how and why inflation works, which is why this is just the first of two episodes we’ll be covering on the subject.  

 

In the news 

This week’s news story comes from the National Residential Landlords Association, and they’ve calculated how many different pieces of law there are that affect people who rent out property in England. 

The answer is a whopping 168 laws, and that number has increased by 40% in the last decade. It’s quite surprising just how many local authorities aren’t enforcing these laws.  

If that wasn’t enough, we’ve got another news story for you where the headline reads ‘mortgage bonanza as choice grows and rates tumble’.  

There are now 4,500 mortgage products on the market which is only slightly down on where they were before the pandemic started. Plus, rates have started to come down again, so now the average two-year fixed mortage is 2.55%. 

 

Hub Extra 

This week’s Hub Extra is a free resource from the Land Registry and it’s a property alert service.  

It allows you to sign up to alerts if anything changes relating to one of your properties on the Land Registry.  

It will help you to avoid any fraudulent activity on any of your properties and it’s free to do so it’s a no brainer really.  

 

Let’s get social 

We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do. 

Make sure you’ve liked and subscribed to our YouTube channel where we upload new content every week!  

If that wasn’t enough, you can also join our friendly property community on the Property Hub forum.

See omnystudio.com/listener for privacy information.

Rob & Rob are back for another round of questions. 

Our first question this week comes from Louis.  

Louis is in the process of saving up a deposit for his first investment property and has been doing some research whilst listening along to The Property Podcast.  

He recalls a previous episode we did on quantitative easing and how the Bank of England pumped £450 billion into the economy in 2020.  

He’s since looked into the Federal Reserve Central European Bank and Bank of Japan who have introduced a total of $8 trillion into their respective economies. 

Louis is concerned that this amount of QE is going to have a knock-on effect and cause interest rates to skyrocket.  

So naturally he wants to know if you’re planning to purchase a property and leverage debt before a period of inflation, are you running the risk of interest rates on that debt, greatly increasing as the government tries to combat inflation by pulling money back up the economy through increased interest rates? 

Next up we’ve got Dan from the West Midlands who’s been in property for around five years.  

He’s got a couple of properties in his own name and a couple in a limited company.  

In one of his personal properties, he’s got a tenant that’s interested in purchasing it, if he’s willing to sell to them.  

Dan’s had the property valued and if he chose to sell, he could release around 70-80K in equity. So, he wants to know which option The Robs think is the best. 

Should he sell the property and use the 70-80K to buy more properties within his limited company, or should he keep the current property and take advantage of the good rental return and release the equity anyway? 

Tune in to find out what Rob & Rob would do in these situations. 

 

Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply).  

Or if you prefer, click here to leave a recording via your computer instead. 

The next question on Ask Rob & Rob could be yours.  

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself.

See omnystudio.com/listener for privacy information.

What makes the best property investors?

Lisa Orme is back to join The Robs on The Property Podcast.  

Not only is she sharing the traits of successful property investors, she’s also sharing the strategies that she highly rates, and the ones that are overrated. 

Lisa has had plenty of hands-on experience dealing with some of the best, and worst, property investors and has narrowed down the traits that make a good one. 

It’s another jam-packed episode with plenty more takeaways so make sure you’ve got that notepad and pen at the ready again. 

 

In the news 

The property boom – it's gone from radio silence to widespread chit chat!  

This week’s news story comes from the BBC news website and the headline reads, ‘house prices rise at fastest pace in 17 years’.  

Nationwide reported house price growth of 13.4% in the year to June, making new average house prices £245,432 compared to £216,403 in June 2020. 

So, whilst the end of the stamp duty holiday hasn’t appeared to slow things down, we don’t think this pace is likely to continue. 

 

Hub Extra 

This week’s Hub Extra is another podcast recommendation for you.  

If you’ve enjoyed the last two episodes of The Property Podcast with Lisa, then you’ll be pleased to know that she has her very own podcast called ‘Mortgage Momma’. 

So, if you’re looking for further mortgage help and advice, make sure you go give it a listen. 

 

Let’s get social 

We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do. 

Make sure you’ve liked and subscribed to our YouTube channel where we upload new content every week!  

If that wasn’t enough, you can also join our friendly property community on the Property Hub forum.

See omnystudio.com/listener for privacy information.

Rob & Rob are back again this week and are discussing one of their favourite topics, the 18-year property cycle. 

And the person asking the 18-year property cycle question is Ali from London.  

At the beginning of June, Ali saw an article on This is Money where he believed the creator of the 18-year property cycle was implying that the market couldn’t continue with this boom phase and that it would be likely that next year there would be a market crash.  

Normally Ali would ignore these rumour-type headlines but given that it was the creator of the 18-year property cycle making these claims, he wanted to get The Robs’ thoughts on it. 

Our second question comes from Mike.  

He wants to know, if he were to purchase a buy-to-let property and didn’t do anything with it, didn’t refurb it or add any value to it, how long would he have to wait before being able to pull his money back out?  

He knows that it’s a case of just letting the cycle do its thing and hoping for capital growth to have an effect, but he’d like to know roughly how long he’d be waiting for. 

Tune in to find out what they say. 

 

Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply).  

Or if you prefer, click here to leave a recording via your computer instead. 

The next question on Ask Rob & Rob could be yours.  

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself. 

See omnystudio.com/listener for privacy information.