09/07/2023

Everything you need to know about the lettings market in Brighton (part 1)

Welcome to Paul’s Property Podcast, the podcast that answers all your questions about property in the UK, whether you are buying, selling, letting or just wanting to stay on top of what’s happening in the market. Your host is Paul Bott of Paul Bott and Company, a multiple gold award winning estate agency in Kemptown, Brighton. Paul has been in the business for nearly 30 years and has second-to-none knowledge of the property market in the Southeast of England. In this episode, lettings expert Joshua Ottoway, gives his assessment of the current state of the rental market in Brighton. Contact us: Paul Bott, Valuations Director and Co-Owner Paul Bott and Company 📞 01273 605 530 📩 info@paulbottandcompany.co.uk 🌐www.paulbottandcompany.co.uk Please share Paul’s Property Podcast with your friends and family and hit the subscribe button to ensure that you never miss an episode and to help others find us! What’s in this episode? 01:25 What is the current state of the rental market in Brighton? 03:30 How does the sales market impact the lettings market? 06:10 What is the new legislation, the Rental Reform Bill, that is being discussed in the news? 07:30 A quick interlude for an update on interest rates from Neil Evans, followed by a discussion of rates for buy-to-let mortgages. 09:32 Are there any restrictions on landlords who wish to put their rent up? 12:10 How will the Rental Reform Bill change the situation for tenants when a landlord wishes to end the tenancy? 17:41 What about potential changes to EPC rating requirements for rentals?

21 min

08/18/2023

The seasons of the property market and an update on what’s happening right now in August 2023

Welcome to Paul’s Property Podcast, the podcast that answers all your questions about property in the UK, whether you are buying, selling, letting or just wanting to stay on top of what’s happening in the market. Your host is Paul Bott of Paul Bott and Company, a multiple gold award winning estate agency in Brighton. Paul has been in the business for nearly 30 years and has second-to-none knowledge of the property market in the Southeast of England. In this episode, you’ll get an update on the property market right now as well as more information on the seasonal fluctuations that we see each year. Contact us: Paul Bott, Valuations Director and Co-Owner Paul Bott and Company 📞 01273 605 530 📩 info@paulbottandcompany.co.uk 🌐 www.paulbottandcompany.co.uk Please share Paul’s Property Podcast with your friends and family and hit the subscribe button to ensure that you never miss an episode and to help others find us! What’s in this episode? 01:43 Is property selling at the moment? 03:10 Are new properties coming on to the market right now? 04:32 How do the different seasons affect the market? 09:04 As a buyer, is it better to look for a property during the busier or quieter seasons? 11:31 What role is social media playing in how the property market operates? 16:10 What has changed with mortgage rates recently?

22 min

08/04/2023

Base rates rise again – Paul’s message stays the same, keep calm and communicate!

Welcome to Paul’s Property Podcast, the podcast that answers all your questions about property, whether you are buying, selling, letting or just wanting to stay on top of what’s happening in the market. Your host is Paul Bott of Paul Bott and Company, a multiple gold award winning estate agency in Brighton. Paul has been in the business for nearly 30 years and has second-to-none knowledge of the property market in the Southeast of England. This week, Paul discusses the new that the Bank of England has raised the base rate to 5.25%. Don’t panic though! If you are buying, talk to an independent mortgage broker who can search the whole of the mortgage market for the best deal for you. Fixed rates are not increasing in line with the base rate, so a good broker may well be able to find you a better deal than you expect. If you are selling, watch out for agents who are over-valuing just to get your business! Find an agent who has a deep knowledge of the local area and trust their judgement on price. If you want a smooth sale, now is not the time to over-inflate your price. Contact us: Paul Bott, Valuations Director and Co-Owner Paul Bott and Company 📞 01273 605 530 📩 info@paulbottandcompany.co.uk 🌐 www.paulbottandcompany.co.uk Please share Paul’s Property Podcast with your friends and family and hit the subscribe button to ensure that you never miss an episode and to help others find us!

17 min

07/21/2023

Update on the mortgage market in July 2023

Welcome to Paul’s Property Podcast, the podcast that answers all your questions about property, whether you are buying, selling, letting or just wanting to stay on top of what’s happening in the market. Your host is Paul Bott of Paul Bott and Company, a multiple gold award winning estate agency in Brighton. Paul has been in the business for nearly 30 years and has second-to-none knowledge of the property market in the Southeast of England. This week mortgage broker Neil Evans, director of Blue Pepper Mortgages, is back to discuss the current state of the mortgage market. This episode covers: · What is happening with inflation rates and mortgage base rates? · What should you do if your fixed term mortgage is coming to an end? · What’s the current situation for investors? · Is Skipton’s 100% mortgage working? · What is the current state of the mortgage and property market? The good news is that inflation is starting to come down and the property market is lively. If you have concerns about your current or potential mortgage rate, please do get in touch with Neil for help and advice. Contact us: Paul Bott, Valuations Director and Co-Owner Paul Bott and Company 📞 01273 605 530 📩 info@paulbottandcompany.co.uk 🌐www.paulbottandcompany.co.uk Neil Evans, Mortgage and Protection Broker Director of Blue Pepper Mortgages 📞 01273 605 530 📩 info@paulbottandcompany.co.uk 🌐www.paulbottandcompany.co.uk Please share Paul’s Property Podcast with your friends and family and hit the subscribe button to ensure that you never miss an episode and to help others find us! What’s in this episode? 02:32 What is the link between the Bank of England base rate and what mortgage lenders do? 04:41 What’s the difference between inflation and core inflation? 05:56 Why is inflation in the UK higher than in other countries, such as the USA and a lot of Europe? 08:00 Predictions for interest rates. 09:51 When fixed term mortgage rates are coming to an end, why are lenders telling people that their rates will be going up more than predictions suggest? 11:56 When a fixed term mortgage ends is there anything you can do to avoid a lender’s high variable rate for a short period of time? 13:10 How to discount rates work? 13:46 The good news is that inflation is coming down and it is likely that this will give lenders the confidence to soften their fixed rates. 15:20 What’s the current situation for investors? Turns out that more and more options are opening for investors who are looking to buy-to-let, due to the strength of the rental market right now. 17:30 How are Skipton getting on with 100% mortgages? Neil explains how it works. 19:40 An update from Neil on the current state of the mortgage market – he has a waiting list of 50 first-time buyers who are actively looking to buy. 20:15 Top tip: If you are looking to buy a property ring local agents and talk to them because they will know of properties that are coming up that haven’t yet been listed.

23 min

06/23/2023

What does the Bank of England base rate increase mean for you?

Welcome to Paul’s Property Podcast, the podcast that answers all your questions about property, whether you are buying, selling, letting or just wanting to stay on top of what’s happening in the market. Your host is Paul Bott of Paul Bott and Company, a multiple gold award winning estate agency in Brighton. Paul has been in the business for nearly 30 years and has a second-to-none knowledge of the property market in the Southeast of England. Yesterday (22/06/2023), the Bank of England increased the base rate to 5%. In this short update, Paul talks through what the increase means for buyers and people looking to remortgage, and reads a statement from independent mortgage broker Neil Evans, director of Blue Pepper Mortgages. Neil and Paul’s message is simple: Keep calm! Fixed rate mortgages remain fairly stable. The best thing you can do is to speak to an independent mortgage broker who can search the whole of the mortgage market, finding you the best possible deal out of over 150 possible lenders. What’s more, Neil is offering listeners of the podcast an incredible offer! For a limited time, when you mention Paul Bott and Company, Neil will NOT charge you a broker fee. Contact him today to see how he can save you your hard-earned cash! Contact us: Paul Bott, Valuations Director and Co-Owner Paul Bott and Company 📞 01273 605 530 📩 info@paulbottandcompany.co.uk 🌐 www.paulbottandcompany.co.uk Neil Evans, Mortgage and Protection Broker Director of Blue Pepper Mortgages 📞 0330 229 2294 📩 neil@bluepeppermortgages.co.uk 🌐 www.bluepeppermortgages.co.uk Please share Paul’s Property Podcast with your friends and family and hit the subscribe button to ensure that you never miss an episode and to help others find us!

7 min

06/09/2023

How has the property market changed over the last 30 years?

Welcome to Paul’s Property Podcast, the podcast that answers all your questions about property, whether you are buying, selling, letting or just wanting to stay on top of what’s happening in the market. Your host is Paul Bott of Paul Bott and Company, a multiple gold award winning estate agency in Brighton. Paul has been in the business for nearly 30 years and has a second-to-none knowledge of the property market in the Southeast of England. This week Paul introduces a new segment in which he provides an up-to-the-minute update on the state of the property market in Brighton and shares mortgage advisor Neil Evan’s mortgage deal of the week. The main topic of this episode is how the property market has changed over the duration of Paul’s career in estate agency, and what this means for how estate agents work today. Contact us: Paul Bott and Company 📞 01273 605 530 📩 info@paulbottandcompany.co.uk 🌐 www.paulbottandcompany.co.uk Please share Paul’s Property Podcast with your friends and family and hit the subscribe button to ensure that you never miss an episode and to help others find us! What’s in this episode? 00:25 What’s been going on in the market this week? (early June 2023) 02:29 Neil’s Deal of the Week – 4.19% fixed for 5 years as of 7am on 9 July 2023 Neil Evans is the Director of Blue Pepper Mortgages: www.bluepeppermortgages.co.uk. If you would like mortgage advice you can contact him on Neil@BluePepperMortgages.co.uk 03:00 Aden is back to ask Paul questions about the property market and how it has changed. His first question is how has the property market changed over the last 30 years? 04:00 Paul explains how the property market has evolved over the course of his career, and how estate agency has changed in that time. 06:30 How have estate agents adapted to overcome challenges in the property market over time? 14:41 Paul Bott and Company have won five Gold British Property Awards because they go the extra mile for their clients. 17:36 How did agents market properties 25 years ago? 19:50 In the past did agents have more control of the market than they do now?

25 min

05/26/2023

The story of Paul Bott and Company

Welcome to Paul’s Property Podcast, the podcast that answers all your questions about property, whether you are buying, selling, letting or just wanting to stay on top of what’s happening in the market. Your host is Paul Bott of Paul Bott and Company, a multiple gold award winning estate agency in Brighton. Paul has been in the business for nearly 30 years and has a second-to-none knowledge of the property market in the Southeast of England. How much do you know about your estate agent? In this episode, Paul tells his personal story and describes the influential moments and people that led him to set up his own estate agency with his wife, Kathy. You’ll hear how the business started and why the agency is so passionate about making a positive contribution to the local community. Contact us: Paul Bott and Company 📞 01273 605 530 📩 info@paulbottandcompany.co.uk 🌐www.paulbottandcompany.co.uk Please share Paul’s Property Podcast with your friends and family and hit the subscribe button to ensure that you never miss an episode and to help others find us!

23 min

05/12/2023

Top tips for finding the right estate agent to sell your property

Welcome to Paul’s Property Podcast, the podcast that answers all your questions about property, whether you are buying, selling, letting or just wanting to stay on top of what’s happening in the market. In this episode, we explain what you need to know when looking for an estate agent to sell your property. Your host is Paul Bott of Paul Bott and Company, a multiple gold award winning estate agency in Brighton. Paul has been in the business for nearly 30 years and has a second-to-none knowledge of the property market in the Southeast of England. This week, Paul talks to Sam whose parents are thinking of selling their house after 30 years. Paul runs through everything that they should consider when choosing an agent to sell their property. Contact us: Paul Bott and Company 📞 01273 605 530 📩 info@paulbottandcompany.co.uk 🌐 www.paulbottandcompany.co.uk Please share Paul’s Property Podcast with your friends and family and hit the subscribe button to ensure that you never miss an episode and to help others find us! What’s in this episode? 01:27 What makes a good estate agent? 08:00 How do you get a sense of how much interest in your property an agent will be able to generate? 10:36 Are online estate agents able to do a good job of selling a property? 12:48 Should I use multiple estate agents or stick to one? 15:23 How much do agents charge and what should be included in this charge? 18:00 Final words of advice for people who are looking to sell and want to find the right estate agent

25 min

05/05/2023

A first-time buyers’ real experience of purchasing a property in 2023

Welcome to Paul’s Property Podcast, the podcast that answers all your questions about property, whether you are buying, selling, letting or just wanting to stay on top of what’s happening in the market. In this episode, we talk to someone who has just purchased their first property about their experience. Your host is Paul Bott of Paul Bott and Company, a multiple gold award winning estate agency in Brighton. Paul has been in the business for nearly 30 years and has a second-to-none knowledge of the property market in the Southeast of England. This week, Paul talks to Sam who completed on her first property here in Brighton just a few weeks ago. We walk through what she has learnt and what she would do differently in the future. This episode is an example of one first-time buyers’ experience. If you listen to this and the previous two episodes, you should be able to avoid some of the common pitfalls that first-time buyers fall into and set yourself up for a smooth experience! Contact us: Paul Bott and Company 📞 01273 605 530 📩 info@paulbottandcompany.co.uk 🌐 www.paulbottandcompany.co.uk Please share Paul’s Property Podcast with your friends and family and hit the subscribe button to ensure that you never miss an episode and to help others find us! What’s in this episode? 01:20 Meet Sam, who has just completed on her first property 01:30 When did you first start looking at properties? 04:20 How did you go about finding your mortgage broker? 05:54 Did you start looking at properties straight away and how did you find the agents? 09:32 Paul discusses the pros and cons of different approaches to viewing properties 11:08 How does the viewing process help you narrow down what you want to buy? 18:45 How did you find your solicitor? 23:26 Paul talks through what a solicitor is actually doing between exchange and completion 25:20 What would you do differently?

29 min

04/28/2023

How does the property purchasing process work? A guide for first-time buyers

Welcome to Paul’s Property Podcast, the podcast that answers all your questions about property, whether you are buying, selling, letting or just wanting to stay on top of what’s happening in the market. In this episode, we explain what you need to know as a first-time buyer. Your host is Paul Bott of Paul Bott and Company, a multiple gold award winning estate agency in Brighton. Paul has been in the business for nearly 30 years and has a second-to-none knowledge of the property market in the Southeast of England. This week, Paul talks to Aden (part 2), who has just had an offer accepted on his first property. Buying your first home is such an exciting time, but we know it can feel a little overwhelming too. If you’re in this position, this is the episode for you! Paul answers Aden’s questions, unpacking everything you need to know about what happens in the sales process, in a simple, no-nonsense way. Contact us: Paul Bott and Company 📞 01273 605 530 📩 info@paulbottandcompany.co.uk 🌐 www.paulbottandcompany.co.uk Please share Paul’s Property Podcast with your friends and family and hit the subscribe button to ensure that you never miss an episode and to help others find us! What’s in this episode? 00:42 Aden has had his offer accepted on his first property! He’s feeling a little pressured by his agents to use their recommended broker and solicitor. What should you do in that situation? 03:17 What’s the next step once you have your broker and solicitor on standby? 04:39 What does a mortgage valuation do? 07:00 What are searches? 11:17 Once I’ve paid my solicitor and they’ve made my file compliant, is there anything else I need to do? 12:10 Once I’ve signed up for my mortgage and the valuation has been completed, what happens next? 13:45 What is a LPE1 form? 15:27 How long will the entire process take? 17:33 Is there anything I can do as the buyer to speed up the process? 20:03 When can I actually move in and start my new life? 24:00 Final tips and advice to ensure your purchase goes through smoothly

27 min

04/21/2023

What do I need to know about buying my first home? The complete guide for first-time buyers

Welcome to Paul’s Property Podcast, the podcast that answers all your questions about property, whether you are buying, selling, letting or just wanting to stay on top of what’s happening in the market. In this episode, we explain everything you need to know as a first-time buyer, from speaking to a mortgage broker right up to putting in your offer. Your host is Paul Bott of Paul Bott and Company, a multiple gold award winning estate agency in Brighton. Paul has been in the business for nearly 30 years and has a second-to-none knowledge of the property market in the Southeast of England. This week, Paul talks to Aden, who is just starting to think about buying his first property. Buying your first home is such an exciting time, but we know it can feel a little overwhelming too. If you’re in this position, this is the episode for you! Paul answers Aden’s questions, unpacking everything you need to know about the early stages of the process, in a simple, no-nonsense way. Tune in again next week when Paul and Aden will be continuing the conversation, talking about what happens next once your offer has been accepted. Contact us: Paul Bott and Company 📞 01273 605 530 📩 info@paulbottandcompany.co.uk 🌐 www.paulbottandcompany.co.uk Please share Paul’s Property Podcast with your friends and family and hit the subscribe button to ensure that you never miss an episode and to help others find us! What’s in this episode? 00:38 Meeting our first-time buyer, Aden 01:05 How do you start looking to buy a property? 02:27 What is an agreement or decision in principle from a mortgage provider? 03:51 So I’ve got a decision in principle, is it time to start looking at properties? 05:52 What should I say if an agent tries to get me to talk to their mortgage broker? 08:16 I’ve found a load of properties online, should I start viewing them all? 10:01 What should I look for at viewings, and what should I ask the estate agent? 11:28 What is the difference between a leasehold and a share of freehold? 13:14 Does it matter how many years are left on the lease? 16:05 Can I bring my dog or cat to any property I want to buy? 17:04 Can I trust what an estate agent says? 18:30 I’ve found a place I love, what do I do next? 21:00 What do I do if someone else also offers? 22:52 What does best and final offer mean? 23:38 If I lose out with my best and final offer, can I put in another offer? 24:50 I’ve had my offer accepted, what happens next?

26 min

04/14/2023

What’s really going on in the mortgage market?

Welcome to Paul’s Property Podcast, the podcast that answers all your questions about property, whether you are buying, selling, letting or just wanting to stay on top of what’s happening in the market. In this episode we explain what’s going on in the current mortgage market and dispel some of the myths that are circulating. Your host is Paul Bott of Paul Bott and Company, a multiple gold award winning estate agency in Brighton. Paul has been in the business for nearly 30 years and has a second-to-none knowledge of the property market in the Southeast of England. This week, Paul talks to Neil Evans, the director of Blue Pepper Mortgages. Neil has worked with some of the largest mortgage providers in the world and prides himself on his jargon free approach to mortgage and protection advice. Contact us: Paul Bott, Paul Bott and Company 📞 01273 605 530 📩 info@paulbottandcompany.co.uk 🌐 www.paulbottandcompany.co.uk Find us on Instagram: @paulbottbrighton Neil Evans, Blue Pepper Mortgages 📞 07799582911 📩 neil@bluepeppermortgages.co.uk 🌐 www.bluepeppermortgages.co.uk Please share Paul’s Property Podcast with your friends and family and hit the subscribe button to ensure that you never miss an episode and others can find it! What’s in this episode? 00:54 A quick explainer of what’s going on in the mortgage market as of April 2023 01:49 What do the Bank of England’s increases to the base rate mean for first time buyers? 03:40 Can first-time sellers carry their current fixed rate mortgage rates across to their new property? 05:20 Is a crash in the property market coming and will interest rates return to the very low levels we’ve previously seen? 07:56 Is now a good time to buy as a first-time buyer? 09:25 Top tips for getting advice and building local property market knowledge as a first-time buyer 09:45 What sized deposit do I need as a first-time buyer? 11:45 What is the maximum mortgage term I can get, and how does a longer term bring down my monthly repayments? 12:00 How can parents help first-time buyers? 13:16 What deposit levels do investors who are buying to let need?

17 min

Paul's Property Podcast

Episodes

Everything you need to know about the lettings market in Brighton (part 1)

The seasons of the property market and an update on what’s happening right now in August 2023

Base rates rise again – Paul’s message stays the same, keep calm and communicate!

Update on the mortgage market in July 2023

What does the Bank of England base rate increase mean for you?

How has the property market changed over the last 30 years?

The story of Paul Bott and Company

Top tips for finding the right estate agent to sell your property

A first-time buyers’ real experience of purchasing a property in 2023

How does the property purchasing process work? A guide for first-time buyers

What do I need to know about buying my first home? The complete guide for first-time buyers

What’s really going on in the mortgage market?

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