Prime Property Finance Podcast

Gareth Morgan
  • 0.0 (0)
  • Business
  • Updated Semiweekly

Hosted by Gareth Morgan and Mark Watts- directors of Prime Property Finance and independent mortgage advisors- this podcast is your go-to source for expert insight into the ever-evolving property and protection landscape. Whether you're a first-time buyer, seasoned investor, or industry professional, tune in for: In-depth service breakdowns Quick tips and educational clips Expert interviews with specialists across the property and financial sectors Timely updates and alerts on industry changes With practical advice, real-world perspectives, and honest guidance, the Prime Property Finance Podcast helps you navigate mortgages, protection, and property finance with confidence.

  1. 1d ago

    £2.5M SEMI-COMMERCIAL Case Study: Would You Buy This Deal?

    A £2.5 million semi-commercial investment can look compelling at first glance, but would it still stack up once you test the income, tenants, operating costs and risks behind the headline figures? In Episode 123, Gareth Morgan and Mark Watts work through a real multi-unit freehold opportunity comprising 24 student let units and commercial space on the ground floor. They share how they moved beyond the asking price and gross rental income to assess whether the deal genuinely worked for them. In this episode, we discuss: ·       How they approached a £2.5M semi-commercial investment opportunity. ·       Why acquisition costs such as stamp duty, VAT, professional fees and potential capital expenditure need to be included in the numbers. ·       How student lets, private residential use and Local Housing Allowance created different Plan A, Plan B and Plan C scenarios. ·       Why gross rental income can be misleading once bills, maintenance and occupancy are considered. ·       How commercial tenant covenant strength, lease terms and break clauses can affect the quality of the income. ·       Why separate utilities, planning, fire safety and other compliance checks matter with multi-unit property. ·       How blended yields, finance costs, cash flow and cash-on-cash return fed into their own view of value. ·       Why getting offered 75% loan to value does not automatically mean borrowing to that level is the right decision. ·       How they used their due diligence to arrive at an offer below the £2.5M asking price. This episode gives property investors a practical look at the level of analysis that can sit behind a larger semi-commercial deal and why a good investment needs to remain manageable when circumstances change, not only when every assumption goes to plan. If you are considering a semi-commercial or multi-unit investment and want to discuss the funding options available for your deal, get in touch with the team at Prime Property Finance. Contact us now if you would like to know more Home - Prime Property Finance Disclaimer This podcast is produced by Prime Property Finance, an independent mortgage brokerage. The views expressed are for general information purposes only and do not constitute personal or financial advice. Listeners should avoid taking action based solely on the content discussed and are encouraged to seek advice tailored to their individual circumstances. The information shared reflects the personal opinions of the hosts and any guest speakers and does not necessarily represent the views of Prime Property Finance as a company. Prime Property Finance is not responsible for any losses or actions taken as a result of this podcast. Privacy Policy - Prime Property Finance

    £2.5M SEMI-COMMERCIAL Case Study: Would You Buy This Deal?

  2. 5d ago

    The HAMLET CHALLENGE: The Smarter Way to Quickly Assess & Stack a Deal to Work Out Your MAXIMUM OFFER PRICE

    One of the most common questions property investors ask is, how much should I offer for this property? The Hamlet Challenge turns that question around by starting with the end value and working backwards to find an indicative maximum offer price. In Episode 122, Gareth Morgan shares a simple framework introduced to him by his old mentor and friend Dixie Walker. Designed as a quick first-stage assessment, it can help investors filter refurbishment opportunities before spending hours on deeper due diligence. In this episode, we discuss: ·       Starting with the end value or GDV rather than the asking price. ·       Applying an expected refinance figure, using 75% LTV in Gareth's example. ·       Deducting refurbishment costs and the wider costs of the project. ·       Working backwards to an indicative maximum purchase price. ·       Using the calculation to decide whether a deal has enough potential to explore further. ·       Why the Hamlet Challenge should never replace full due diligence, valuation checks or lender criteria. Using Gareth's example, a £200,000 end value, 75% refinance, £40,000 refurbishment budget and £10,000 of other costs produces an indicative £100,000 purchase price for an all-money-out scenario. If you regularly assess refurbishment opportunities, this episode gives you a straightforward way to filter potential deals quickly, start with the end in mind and let the numbers guide your next step. If you're considering your next property investment or refurbishment project and would like to discuss the finance options available, get in touch with the team at Prime Property Finance. Contact us now if you would like to know more Home - Prime Property Finance Disclaimer This podcast is produced by Prime Property Finance, an independent mortgage brokerage. The views expressed are for general information purposes only and do not constitute personal or financial advice. Listeners should avoid taking action based solely on the content discussed and are encouraged to seek advice tailored to their individual circumstances. The information shared reflects the personal opinions of the hosts and any guest speakers and does not necessarily represent the views of Prime Property Finance as a company. Prime Property Finance is not responsible for any losses or actions taken as a result of this podcast. Privacy Policy - Prime Property Finance

    The HAMLET CHALLENGE: The Smarter Way to Quickly Assess & Stack a Deal to Work Out Your MAXIMUM OFFER PRICE

  3. Aug 11

    Could Your HOME Fund Your Next PROPERTY DEAL?: A Real CASE STUDY on Using EQUITY to Create Opportunity

    Having equity in your home can create opportunities to invest in property, but just because the equity is there does not automatically mean you should use it. In Episode 121, Gareth Morgan and Mark Watts walk through a real client case study where a main residence was used as additional security alongside bridging finance to help fund an investment property. They explain why a standard residential remortgage was not suitable for this client, how the funding was structured and why the margin for error was such an important part of the decision. In this episode, we discuss: ·       The difference between having equity and having equity available for borrowing. ·       Why a residential remortgage may not always be an option. ·       Using a main residence as additional security alongside bridging finance. ·       A live case involving a £500,000 home, a £63,000 investment purchase and refurbishment costs. ·       Why valuations, loan-to-value limits and contingency funds matter. ·       The importance of a clear refinance or sale exit strategy. ·       Why this type of structure is highly deal specific and carries additional risk. ·       Why first-time investors need to be particularly careful when putting their family home at risk. This is not about encouraging investors to take unnecessary risks. It is a practical look at how using home equity can create an opportunity in the right circumstances and why the numbers, experience, risk appetite and exit strategy all need to stack up before proceeding. If you are considering your next property investment and would like to understand the finance options available to you, including whether using existing property equity could form part of the structure, get in touch with the team at Prime Property Finance. Contact us now if you would like to know more Home - Prime Property Finance Disclaimer This podcast is produced by Prime Property Finance, an independent mortgage brokerage. The views expressed are for general information purposes only and do not constitute personal or financial advice. Listeners should avoid taking action based solely on the content discussed and are encouraged to seek advice tailored to their individual circumstances. The information shared reflects the personal opinions of the hosts and any guest speakers and does not necessarily represent the views of Prime Property Finance as a company. Prime Property Finance is not responsible for any losses or actions taken as a result of this podcast. Privacy Policy - Prime Property Finance

    Could Your HOME Fund Your Next PROPERTY DEAL?: A Real CASE STUDY on Using EQUITY to Create Opportunity

  4. Aug 7

    Don't Let VAT Catch You Out on Your Next COMMERCIAL PROPERTY Purchase

    VAT is one of the most overlooked costs in commercial property investing, yet getting it wrong could add thousands of pounds to the price of your next purchase. In this episode, Mark Watts explains why every investor should understand how VAT works before making an offer, what an Option to Tax actually means, and why assumptions can become expensive mistakes. In this episode, we discuss: • What VAT means in commercial property transactions. • Understanding an Option to Tax. • Why VAT can add 20% to your purchase price. • The due diligence questions every investor should ask. • How a Transfer of a Going Concern (TOGC) may affect VAT. • Funding VAT and avoiding costly surprises. • Why confirming the facts before exchanging contracts is essential. Whether you're buying your first commercial property or expanding your portfolio, this episode highlights one simple check that could save you thousands. If you're considering purchasing or refinancing commercial property and would like advice on funding, structuring your purchase or understanding the costs involved, the team at Prime Property Finance is here to help. Contact us now if you would like to know more Home - Prime Property Finance Disclaimer This podcast is produced by Prime Property Finance, an independent mortgage brokerage. The views expressed are for general information purposes only and do not constitute personal or financial advice. Listeners should avoid taking action based solely on the content discussed and are encouraged to seek advice tailored to their individual circumstances. The information shared reflects the personal opinions of the hosts and any guest speakers and does not necessarily represent the views of Prime Property Finance as a company. Prime Property Finance is not responsible for any losses or actions taken as a result of this podcast. Privacy Policy - Prime Property Finance

    Don't Let VAT Catch You Out on Your Next COMMERCIAL PROPERTY Purchase

  5. Aug 4

    Sam Green, Protection Adviser at Prime Property Finance: From PERSONAL TRAGEDY to Helping Families PROTECT THEIR FUTURE

    Protection isn't just about having an insurance policy. It's about making sure the people who matter most are financially secure if life takes an unexpected turn. In Episode 119, Gareth Morgan is joined by Sam Green, Protection Adviser at Prime Property Finance, who shares the personal experience that inspired his career after losing his mum at a young age. Together they discuss life insurance, income protection, critical illness cover, business protection, trusts, inheritance tax planning, and why protection should be part of every financial plan. In this episode, we discuss: ·       Sam's personal journey into protection advice. ·       Why protection is about far more than insurance. ·       Life insurance, critical illness and income protection. ·       Business protection and key person cover. ·       Using trusts to ensure benefits reach the right people. ·       Inheritance tax planning and protecting family wealth. ·       Common misconceptions around protection. ·       Why reviewing your cover regularly is so important. Whether you're a homeowner, business owner or property investor, this episode offers practical insights that could make a lasting difference to your family's future. If you'd like to discuss your protection needs or review your existing cover, Sam Green, Protection Adviser at Prime Property Finance, would be happy to help. Email: sam@primeproperty.finance Phone: 07858 554777 Instagram: @sam_husky_protection Contact us now if you would like to know more Home - Prime Property Finance Disclaimer This podcast is produced by Prime Property Finance, an independent mortgage brokerage. The views expressed are for general information purposes only and do not constitute personal or financial advice. Listeners should avoid taking action based solely on the content discussed and are encouraged to seek advice tailored to their individual circumstances. The information shared reflects the personal opinions of the hosts and any guest speakers and does not necessarily represent the views of Prime Property Finance as a company. Prime Property Finance is not responsible for any losses or actions taken as a result of this podcast. Privacy Policy - Prime Property Finance

    Sam Green, Protection Adviser at Prime Property Finance: From PERSONAL TRAGEDY to Helping Families PROTECT THEIR FUTURE

  6. Jul 31

    Why Your COMPANY STRUCTURE Can Make or Break a TITLE SPLIT

    Title splitting can unlock significant value, but only if it's structured correctly. In Episode 118 of the Prime Property Finance Podcast, Mark Watts explores one of the most overlooked aspects of title splitting: your company structure. Using real client scenarios, Mark explains how the wrong ownership structure can trigger unnecessary tax, complicate refinancing and potentially wipe out the financial benefits of a title split. He also discusses why group company structures matter, when specialist advice is essential and how careful planning before you purchase can save investors thousands. In this episode, we discuss: • What title splitting is and when it works • Why company structure matters • How the wrong structure can trigger unnecessary tax • Group companies and title splitting • Common mistakes investors make • Why finance and tax advice should work together • Practical considerations before splitting titles Whether you're new to title splitting or already have experience with multi-unit investments, this episode will help you understand how the right company structure can protect your investment and maximise the strategy's potential. If you're considering a title split or looking to finance a multi-unit investment, the team at Prime Property Finance can help structure the finance alongside your professional advisers to support your investment strategy. Get in touch to discuss your next project. Contact us now if you would like to know more Home - Prime Property Finance Disclaimer This podcast is produced by Prime Property Finance, an independent mortgage brokerage. The views expressed are for general information purposes only and do not constitute personal or financial advice. Listeners should avoid taking action based solely on the content discussed and are encouraged to seek advice tailored to their individual circumstances. The information shared reflects the personal opinions of the hosts and any guest speakers and does not necessarily represent the views of Prime Property Finance as a company. Prime Property Finance is not responsible for any losses or actions taken as a result of this podcast. Privacy Policy - Prime Property Finance

    Why Your COMPANY STRUCTURE Can Make or Break a TITLE SPLIT

  7. Jul 28

    The 3 Cs of MOMENTUM INVESTING, Three-Part Mini-Series: Part 3: Why CREDIBILITY Creates More PROPERTY Investment OPPORTUNITIES

    Over the past two episodes, we've explored how Clarity gives you direction and Confidence gives you the courage to take action. But there's one final ingredient that often determines whether opportunities come your way in the first place. In Episode 117, Gareth Morgan and Mark Watts conclude their Three-Part Mini-Series by exploring why Credibility is one of the most valuable assets any property investor can build. They discuss how credibility influences estate agents, vendors, lenders, investors and contractors, explaining why trust, consistency and delivering on your promises can unlock opportunities. Whether you're buying your first investment property or growing an established portfolio, understanding how credibility creates momentum could be the difference between constantly chasing opportunities and having them come to you. Missed the first two parts? Start with Part 1 (Episode 113), continue with Part 2 (Episode 115), then finish the series with this episode. If you're looking to structure your next investment, secure the right finance or discuss your property investment strategy, the team at Prime Property Finance would be delighted to help. Contact us now if you would like to know more Home - Prime Property Finance Disclaimer This podcast is produced by Prime Property Finance, an independent mortgage brokerage. The views expressed are for general information purposes only and do not constitute personal or financial advice. Listeners should avoid taking action based solely on the content discussed and are encouraged to seek advice tailored to their individual circumstances. The information shared reflects the personal opinions of the hosts and any guest speakers and does not necessarily represent the views of Prime Property Finance as a company. Prime Property Finance is not responsible for any losses or actions taken as a result of this podcast. Privacy Policy - Prime Property Finance

    The 3 Cs of MOMENTUM INVESTING, Three-Part Mini-Series: Part 3: Why CREDIBILITY Creates More PROPERTY Investment OPPORTUNITIES

  8. Jul 24

    The KEEP TWO, SELL ONE Strategy: How to Rebuild Your CAPITAL and Keep Growing Your PROPERTY Portfolio

    One of the biggest attractions of the Buy, Refurbish, Refinance strategy is the ability to recycle your capital and keep growing your property portfolio. But what happens when every deal leaves a little more money behind than you planned? In Episode 116, Gareth explores one of the biggest challenges investors face when using the BRR strategy, trapped capital. He explains why even well-planned projects don't always release all of your money back out, how this gradually slows your momentum and why experienced investors sometimes choose to sell a profitable property to keep their long-term strategy moving forward. Introducing the Keep Two, Sell One approach, Gareth shares a practical way of replenishing your capital, rebuilding contingency funds and creating the flexibility needed to continue investing without constantly relying on additional borrowing or outside investors. Whether you're just starting your property journey or already building a portfolio, this episode will help you think differently about liquidity, cash flow and maintaining momentum for years to come. If you're planning your next Buy, Refurbish, Refinance project, looking to grow your property portfolio or would like to discuss the finance options available, feel free to get in touch with the team at Prime Property Finance. We'd be delighted to help. Contact us now if you would like to know more Home - Prime Property Finance Disclaimer This podcast is produced by Prime Property Finance, an independent mortgage brokerage. The views expressed are for general information purposes only and do not constitute personal or financial advice. Listeners should avoid taking action based solely on the content discussed and are encouraged to seek advice tailored to their individual circumstances. The information shared reflects the personal opinions of the hosts and any guest speakers and does not necessarily represent the views of Prime Property Finance as a company. Prime Property Finance is not responsible for any losses or actions taken as a result of this podcast. Privacy Policy - Prime Property Finance

    The KEEP TWO, SELL ONE Strategy: How to Rebuild Your CAPITAL and Keep Growing Your PROPERTY Portfolio
See All (123)

About

Hosted by Gareth Morgan and Mark Watts- directors of Prime Property Finance and independent mortgage advisors- this podcast is your go-to source for expert insight into the ever-evolving property and protection landscape. Whether you're a first-time buyer, seasoned investor, or industry professional, tune in for: In-depth service breakdowns Quick tips and educational clips Expert interviews with specialists across the property and financial sectors Timely updates and alerts on industry changes With practical advice, real-world perspectives, and honest guidance, the Prime Property Finance Podcast helps you navigate mortgages, protection, and property finance with confidence.

Information

You Might Also Like