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. 5d ago

    Buying HMOs at Auction: My 30-Minute Expert Masterclass

    Can you still pick up a bargain at auction that would make a great HMO? If you’d asked me a year or two ago, I’d have said yes, but there weren’t many opportunities around. Things have changed. The market has slowed, sellers are more motivated, and there are more opportunities in the auction room than I’ve seen in a long time. In this episode, I talk you through how to buy at auction without getting burned. I cover why properties end up at auction, how the different types of auction work, the due diligence that really matters, how to fund the purchase and how to set your maximum bid. I also explain why pre-auction and post-auction offers are some of the best ways to pick up a real bargain. 🎯 What You’ll Learn Why properties end up at auctionTraditional auctions vs the Modern Method of AuctionWhy national auction houses can hide better dealsThe due diligence that really mattersHow to fund an auction purchaseHow to set your maximum bid and stick to itUsing pre-auction and post-auction offers to grab a bargainWhether you’re thinking about bidding on your first auction property or you’ve already got your eye on a lot, this episode will help you go into the auction room prepared, confident and clear on your numbers. 💻 Resources & Mentions Episode 248: How To Fund Residential to HMO Conversions Using Bridge Lending With Ellie Broadhurst. Listen here.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.

    Buying HMOs at Auction: My 30-Minute Expert Masterclass

  2. Oct 7

    The Real Costs of Running an HMO in 2026 (Full Breakdown)

    How much of your HMO rent do you actually get to keep? It’s easy to look at the monthly rent, deduct the mortgage and bills, and assume everything left over is profit. But the reality is there are dozens of other costs that can impact the long-term performance of a HMO. In this episode, I break down the real costs of running a HMO in 2026, covering around 60 different expenses across 12 categories. From voids, reletting and utilities to compliance, maintenance, refinancing, management and tax, I’ll help you understand what really needs to be factored into your numbers. With costs rising and new legislation introducing additional expenses, accurately appraising your deals has never been more important. 🎯 What You'll Learn The hidden costs that can eat into your HMO profitsHow much to allow for voids, arrears and tenant changeoversThe ongoing costs of utilities, cleaning, gardening and maintenanceHMO licensing, safety certificates and other compliance costsThe true cost of financing and refinancing a HMOManagement, legal, insurance and professional fees you need to considerWhy you should appraise your HMO over 5, 10 and 15 years, rather than focusing only on day-one returnsWhether you're appraising your next HMO or reviewing the performance of an existing portfolio, this episode will help you build a much more realistic picture of what your HMO is actually costing you, and what you really get to keep. 💻 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.

    The Real Costs of Running an HMO in 2026 (Full Breakdown)

  3. Sep 30

    Development Challenges, AI & Why I'm Buying More HMOs #BizUpdate

    It’s been a busy, challenging and exciting few months across my property businesses. In this episode, I’m giving you an honest update on exactly what’s been happening behind the scenes. From development projects and difficult tenants to refinancing, new purchases and why I’m shifting my focus back towards high-yielding HMOs. I also share some of the challenges we’ve faced, including getting a major development back on track after our contractor went into liquidation, dealing with significant tenant arrears and preparing for a difficult refinance. 🎯 What You'll Learn Why I’m shifting my focus back towards high-yielding HMOsWhat I’m seeing in the property market right nowHow we recovered after a contractor went into liquidationThe realities of refinancing in the current lending marketHow I’m dealing with a tenant owing around £15,000 in rentHow AI is changing the way we operate across my businessesIf you want to know what I’m buying, where I’m focusing my attention and how I’m approaching the rest of 2026 and beyond, this episode will bring you completely up to speed. 💻 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.

    Development Challenges, AI & Why I'm Buying More HMOs #BizUpdate

  4. Sep 23

    Mortgage Turmoil & The Outlook For 2026 With Ellie Broadhurst

    The mortgage market has shifted quickly in recent weeks, with rising swap rates, changing lender pricing and wider economic uncertainty creating another challenging environment for HMO investors. In this episode, I sit down with our specialist mortgage broker Ellie Broadhurst to unpack what's happening in the lending market right now, how the Renters' Rights Act is starting to affect some HMO valuations, and what investors need to consider when buying or refinancing in today's market. 🎯 What You'll Learn What's driving the recent rise in HMO mortgage ratesWhy some lenders are increasing rates while others remain competitiveHow the Renters' Rights Act could affect HMO valuations and refinancingHow to prepare for a refinance and avoid unnecessary delaysWhat the lending and property market could look like heading into 2027If you're buying a HMO, approaching a refinance or planning your next project, this episode will give you a practical insight into what's happening in the mortgage market, the risks to be aware of and how to position yourself for the opportunities ahead. 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.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.If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!

    Mortgage Turmoil & The Outlook For 2026 With Ellie Broadhurst

  5. Sep 16

    Want To Get £10,000/pcm From HMOs? Here's What You ACTUALLY Need To Do #REWIND

    £10,000 per month in net income is a common goal for HMO investors, but very few people actually break down what it will take to get there. In this #Rewind episode, I break down a simple exercise I use with my mentees to reverse engineer that target, looking at how many properties you might need, the equity you’ll need to create and why adding value is such an important part of building and scaling an HMO portfolio. 🎯 What You'll Learn How to reverse engineer your HMO income targetHow many rooms and properties £10,000 per month could requireWhy creating equity is essential when scalingThe importance of finding opportunities to add valueHow your location and strategy can affect the numbersIf you’ve set yourself a financial target from HMOs, this episode will help you understand what it could actually take to get there and where you need to focus your efforts. 💻 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.

    Want To Get £10,000/pcm From HMOs? Here's What You ACTUALLY Need To Do #REWIND

  6. Sep 9

    My HMO Investing A–Z: Everything You Need To Know In 60 Minutes

    Is HMO investing still worth it in 2026, and what do you actually need to know before getting started? In this episode, I’m on the other side of the mic as Ant Lyons from YPN Magazine puts me through my A–Z of HMO investing, covering everything from what makes a good deal and how to fund one, to Article 4, location, management, compliance and the mistakes that can quickly turn a promising project into an expensive one. I also share how my own approach to investing has changed over the years and what I would do if I were starting again today with £100,000. 🎯 What You'll Learn What I look for in a good HMO deal in 2026Whether you need lots of money to get startedHow to choose the right location and projectWhat Article 4 really means for HMO investorsThe costs and risks new investors often underestimateWhat to look for when outsourcing HMO managementThe planning and licensing traps you need to avoidWhat I would do differently if I were starting again todayWhether you’re considering your first HMO or already building a portfolio, this episode gives you a practical overview of what HMO investing really looks like in 2026. You can find more of my interviews, articles and expert resources on my YPN Expert Hub here. 💻 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.If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!

    My HMO Investing A–Z: Everything You Need To Know In 60 Minutes

  7. Sep 2

    Should You Manage Your Own HMOs? (The Honest Answer, Including The Numbers)

    Should you manage your own HMOs, or pay somebody else to do it? It’s one of the most common questions HMO investors ask, and the decision is often based on one thing: how much money you could save by self-managing. But after nearly 20 years of investing in and managing HMOs, I can tell you there’s far more to consider than the management fee. In this episode, I break down what managing an HMO actually involves, the pros and cons of doing it yourself versus outsourcing, and the real cost of management when you factor in your time, attention and responsibility. 🎯 What You'll Learn The difference between being an investor and a property managerWhat actually goes into managing an HMO day to dayThe time, stress and responsibility involved in self-managementHow management fees compare with the true cost of doing it yourselfThe key questions to ask before deciding which route is right for youIf you’re currently self-managing your HMOs, or wondering whether you should, this episode will help you weigh up the options and make a properly informed decision. 💻 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.

    Should You Manage Your Own HMOs? (The Honest Answer, Including The Numbers)

  8. Aug 26

    Don't Buy These Buildings (And Why They Look Cheap)

    Some properties look like great HMO deals on paper, but there are certain problems that no amount of negotiating, refurbishing or clever deal structuring can fix. In this episode, I break down the types of properties I think HMO investors should avoid, or at the very least approach with a great deal of caution, and explain why some of these seemingly attractive opportunities can become very expensive mistakes. 🎯 What You'll Learn The lending risks of non-standard construction and spray foamWhy shared ownership can be problematic for HMOsHow covenants and lease clauses can restrict your plansWhy existing HMO licences can be misleadingThe risks of listed buildings and flood zonesIf you’re currently sourcing or appraising your next HMO, this episode will help you spot some of the red flags before they become very expensive problems. 💻 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.

    Don't Buy These Buildings (And Why They Look Cheap)
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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
    381
  • Rating
    Explicit
  • Copyright
    © 2026 The HMO Podcast
  • Show Website
    The HMO Podcast

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