The HMO Podcast

Andy Graham
  • 0.0 (0)
  • Investing
  • Updated Weekly

Welcome to The HMO Podcast, the dedicated resource for HMO and Co-Living property investors and developers! Join me and my special guests to learn everything you need to know about HMO property investment, from the tips, tricks and hacks that can save you time and money, to the best practice advice, the technical 'know-how' and inspirational stories of success and failure that will help you start, scale and systemise your very own HMO portfolio or business today.

  1. How Jon Fish Leveraged 15 Years in Development to Build a Property Business

    1d ago

    How Jon Fish Leveraged 15 Years in Development to Build a Property Business

    Property development can be an incredible way to build wealth, but it's also one of the toughest paths in real estate. The challenge isn't just finding great opportunities, it's building a business that can consistently create capital, generate cash flow, and give you the freedom to scale. In this episode, I sit down with one of my mentees, property developer and investor Jon Fish, to unpack his remarkable journey from rescuing a struggling family manufacturing business to building a successful property company focused on luxury new-build developments and high-performing HMOs. With more than 15 years of hands-on experience, Jon shares the lessons he's learned about resilience, construction, business growth, raising finance, and creating a long-term property strategy that balances wealth creation with wealth preservation. 🎯 What You'll Learn How Jon turned a family crisis into a property development careerLessons learned from restoring a 10,000 sq ft factory with almost no budgetWhy Jon combines luxury new-build developments with HMOsHow to identify and appraise profitable HMO opportunitiesThe role private finance has played in accelerating growthWhy systems, delegation, and business structure are critical for scalingThe mindset shifts required to stop playing small and start thinking biggerIf you're building a property business, looking to scale your portfolio, or trying to balance development projects with long-term cash-flow investments, this episode is packed with practical lessons, honest insights, and real-world experience from a developer who's spent more than a decade in the trenches and is now building an impressive portfolio with a clear vision for the future. 💻Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here.The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.Facebook Community: Got questions or need support? Come and connect with 10,000+ investors inside The HMO Community here.Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!

    48 min
  2. The Decision-Making Framework Behind Every Property Deal I Do

    Jun 17

    The Decision-Making Framework Behind Every Property Deal I Do

    Most property investors don't struggle because they can't analyse deals. They struggle because they don't know how to make a decision once the analysis is done. Should you buy it? Are you paying too much? Have you missed something important? Or are you simply stuck in analysis paralysis? In this episode, I share the exact 9-step decision-making framework I use to assess property opportunities, manage risk, and make confident investment decisions. After reviewing thousands of deals over the years, I've learned that successful investing isn't about finding perfect opportunities - it's about consistently making good decisions with the information available. 🎯 What You'll Learn How to build and apply a clear investment templateThe dangers of emotional decision-making and investor FOMOHow to identify and challenge the assumptions in your dealsWhy evidence matters more than opinionsPractical ways to control downside risk before committingHow to avoid analysis paralysis and make decisions with confidenceIf you've ever spent weeks analysing deals, second-guessing yourself, or struggling to know when to move forward, this episode will give you a practical framework to help you make better investment decisions with greater clarity, confidence, and consistency. Download your copy of The HMO Investors Guide to The Renters’ Rights Act here: https://thehmoroadmap.co.uk/ 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here.The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here.Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.

    40 min
  3. How to Finance Creative (and More Complex) Deals With Ellie Broadhurst

    Jun 10

    How to Finance Creative (and More Complex) Deals With Ellie Broadhurst

    Finding great HMO deals has become harder over the last few years, but creating enough value to recycle your capital and continue growing your portfolio is arguably an even bigger challenge. In this episode, I sit down with our specialist mortgage finance expert Ellie Broadhurst to discuss what's happening in the lending market right now and where opportunities still exist for investors looking to scale. 🎯 What You'll Learn What's happening with interest rates and specialist lending in 2026Why refinancing and capital recycling have become more challengingA real-world commercial-to-residential conversion case studyHow lenders assess experience on larger, more complex projectsWhy valuations, build costs, and appraisals can make or break a dealHow to manage risk while scaling your property portfolioIf you're building a HMO portfolio, looking for ways to create more value from your projects, or considering stepping into larger and more creative developments, this episode will give you a practical insight into what's working in today's market and how to approach these opportunities with confidence. Book a Call with Ellie here: https://thehmoroadmap.co.uk/hmo-mortgage-finance/  💻Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here.The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.Facebook Community: Got questions or need support? Come and connect with 10,000+ investors inside The HMO Community here.Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!

    41 min
  4. #BizUpdate: Recent Challenges & Why I'm Preparing To Buy

    Jun 3

    #BizUpdate: Recent Challenges & Why I'm Preparing To Buy

    It’s been a challenging few months in the property market. Rising tenant arrears, stubborn interest rates, contractor failures, affordability pressures, and continued uncertainty around legislation are creating new challenges for landlords and investors across the UK. In this episode, I pull back the curtain and share a completely honest update on what's happening inside my own businesses right now. From portfolio performance and tenant issues to development projects, AI efficiencies, and where I'm deploying capital next, this is a transparent look at the realities of investing in today's market. 🎯 What You'll Learn How my HMO and buy-to-let portfolios are performing in 2026The tenant challenges we're facing and what they're teaching usHow AI is helping us reduce costs and improve efficiencyLessons learned from a contractor going into liquidation mid-projectMy outlook for the property market over the next 6–18 monthsIf you're feeling uncertain about the market, struggling with similar challenges, or wondering where the best opportunities lie right now, this episode will give you an honest perspective from someone navigating it every day. Download your copy of The HMO Investors Guide to The Renters’ Rights Act here: https://thehmoroadmap.co.uk/ 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here.The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here.Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.

    39 min
  5. Article 4 - Has it Killed HMO Investing?

    May 27

    Article 4 - Has it Killed HMO Investing?

    Most investors hear the words “Article 4” and immediately assume the opportunity has gone. But the reality is very different. Some of the strongest and most valuable HMO markets in the UK are under Article 4 directions, and experienced investors are still buying in these areas every single day. In this episode, I break down what Article 4 actually means, why so many investors misunderstand it, and how professional HMO investors assess and mitigate planning risk before committing to deals. 🎯 What You’ll Learn What Article 4 really is and why it’s often misunderstoodHow restricted HMO supply can actually increase asset values over timeThe biggest planning risks investors need to understandHow experienced investors are doing itHow to structure deals subject to planningIf you’ve been avoiding Article 4 areas or feel overwhelmed by planning risk, this episode will help you approach these markets with far more clarity, confidence, and strategy. Download your copy of The HMO Investors Guide to The Renters’ Rights Act here:  https://thehmoroadmap.co.uk/ 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here.The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here.Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.

    36 min
  6. How Dan Linton Created £6,000+ Net Cash Flow from One HMO

    May 20

    How Dan Linton Created £6,000+ Net Cash Flow from One HMO

    Building a property portfolio is one thing, but scaling into larger commercial projects is a completely different challenge altogether. The numbers get bigger, the risks increase, and suddenly every decision carries a lot more weight. It’s no longer just about buying another property. You need to understand finance, planning, construction, risk management, and how to create projects that genuinely perform long term. In this episode, I sit down with property investor and developer Dan Linton to talk about the reality of scaling from smaller buy-to-lets into larger commercial conversions and high-cash-flow HMOs. This isn’t just a conversation about impressive numbers or a successful deal. It’s an honest look at what it actually takes to grow a property business sustainably.  Dan shares the story behind his former gym conversion - a 16-room HMO generating more than £6,000 net cash flow every month and the lessons, challenges, and setbacks that came with it. 🎯 What You’ll Learn How Dan converted a former gym into a 16-room HMOThe importance of contingency planning and managing development riskWhy valuations can make or break a commercial dealHow development finance lenders can actually help de-risk projectsWhy delivering a higher-spec product creates stronger long-term demandHow local market knowledge helped Dan uncover huge opportunitiesThe role mentors, education, and partnerships play in scaling successfullyIf you’re building or scaling a HMO portfolio, this episode will give you a much more realistic understanding of what it takes to move into larger projects, manage risk properly, and build assets that create real long-term cash flow and wealth. 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here.The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.Facebook Community: Got questions or need support? Come and connect with 10,000+ investors inside The HMO Community here.Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!

    45 min
  7. The 5 Traits That Separate Highly Successful Property Investors

    May 13

    The 5 Traits That Separate Highly Successful Property Investors

    Most people think successful property investing is all about knowledge, deals, or finance. But after nearly 20 years in property, I’ve realised the investors who consistently succeed operate very differently from everyone else. In this episode, I break down the five key traits I see in the most successful property investors - the habits, mindsets, and behaviours that help them spot opportunities, build momentum, and keep progressing when others get stuck. 🎯 What You’ll Learn • The traits that separate successful investors from the rest • Why mindset and behaviour matter more than most people realise • How top investors approach decisions, relationships, and challenges • The hidden habits that create long-term success in property If you want to sharpen your approach, improve the way you operate, and become a more effective investor, this episode is for you. Download your copy of The HMO Investors Guide to The Renters’ Rights Act here:  https://thehmoroadmap.co.uk/ 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here.The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here.Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.

    35 min
  8. I Reviewed 1,000 Plus HMO Deals - Here’s What I've Learned

    May 6

    I Reviewed 1,000 Plus HMO Deals - Here’s What I've Learned

    Ever wondered why a deal that looks great on paper still ends up underperforming? After reviewing over a thousand HMO deals, I can tell you - it’s rarely bad luck. It’s the same mistakes showing up again and again. In this episode, I break down exactly where investors are going wrong. Not with complex, unpredictable issues but with the fundamentals. The assumptions, the numbers, and the gap between what we think will happen and what actually does. 🎯 What You’ll Learn  • Why most HMO deals fail  • How underestimating refurbishment costs can quietly destroy your returns  • The truth about valuation methodology  • Why timelines are almost always longer than you expect  • How small inaccuracies compound and drag down your deal performance  • How to close the gap between spreadsheet performance and real-world results If you want to avoid expensive mistakes, tighten up your deal analysis, and invest with real confidence, this episode will show you exactly how to do it. Download your copy of The HMO Investors Guide to The Renters’ Rights Act here: https://thehmoroadmap.co.uk/ 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here.The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here.Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.

    32 min
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About

Welcome to The HMO Podcast, the dedicated resource for HMO and Co-Living property investors and developers! Join me and my special guests to learn everything you need to know about HMO property investment, from the tips, tricks and hacks that can save you time and money, to the best practice advice, the technical 'know-how' and inspirational stories of success and failure that will help you start, scale and systemise your very own HMO portfolio or business today.

Information

  • Creator
    Andy Graham
  • Years Active
    2020 - 2026
  • Episodes
    365
  • Rating
    Clean
  • Copyright
    © 2026 The HMO Podcast
  • Show Website
    The HMO Podcast

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