They discuss the recent UK Budget, The global financial Markets and of course they each pick a stock, Bond, ETF or financial product to invest in for this quarter and explain the pros and cons.

First up is Rod with a Uranium and Nuclear ETF - NCLP

Then Adam pitching Google

And Finally Manish with an ETF tracking the Japanese stock Market - XDJP

Have a watch or listen to find out what they said about them.

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A thorough Residential Property Market update including information on

Rents

House Prices

Affordability

Supply

Demand

Availability of Credit

Government Intervention

and lots more.

Please check out the link for the workshop on 22nd January 2026 in London Blackfriars. https://www.tickettailor.com/events/boardroomclubconsultingltd/1893167

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Property Investment Business Scaling Challenges

Rod and Adam discussed the challenges of scaling a property investment business in the current regulatory environment. They highlighted the need for property investors to professionalize their operations, moving beyond small-scale "mum and pop" landlord approaches. Adam emphasised that the 2015 budget marked a pivotal moment where property investment became more of an obligation than an option due to increased regulations and tax considerations. The conversation also touched on the importance of using limited companies for protection and the challenges of managing properties in personal names versus companies.

De-Risking Strategies for Business Growth

Rod discussed the importance of de-risking while growing, emphasising that it's not a binary choice between growth and risk reduction. He highlighted key metrics to monitor, such as weighted costs of debt, burn rates, and trigger events, which can help identify potential issues before they impact the business. Adam agreed, stressing that there's no single silver-bullet metric and that a balanced scorecard approach, combining both quantitative and qualitative metrics, is essential for effective measurement and decision-making.

Growth and Legacy Planning Principles

Adam discussed the importance of balancing growth with legacy planning, emphasising that excessive growth without proper structure can create unmanageable situations after one's death. He introduced the concept of "Your price, my terms" as a fundamental principle for deals, and highlighted the importance of risk-adjusted returns using the Sharpe ratio. Adam also mentioned the need to consider payment reliability over just focusing on high returns.

Investment Metrics and Timing Analysis

Rod discussed the importance of considering time and value when evaluating investment metrics, emphasising that returns should not only focus on percentage rates but also on the actual amount and timing of returns. He highlighted the need to account for holding costs, refurbishment expenses, and the timeline of income generation in investment deals, particularly in scenarios like buy-refurbish-refinance-rent strategies. Rod also noted that while cash flow is often emphasised, many returns come from capital appreciation, whether driven by market or skill factors.

Welsh Property Investment Post-Brexit

Adam shared his experience investing in Welsh property after the Brexit referendum, explaining his initial positive outlook based on market conditions and geographical arbitrage opportunities. He noted that Wales significantly outperformed expectations with over 30% growth during COVID, but concluded that the market had reached its peak and was now performing similarly to other regions. Rod agreed with Adam's approach, emphasising the importance of treating property investments as businesses rather than emotional assets and considering timeframes when making buy, sell, or hold decisions.

Property Portfolio Management Workshop

Adam and Rod discussed an upcoming workshop on October 1st 2025 in Blackfriars, London. Adam explained that the workshop focuses on providing interactive, in-depth content on property portfolio management and scaling safely, aimed at more established businesses rather than beginners. Rod mentioned that over half the 40 available spots have been sold, and Adam recommended upgrading to the VIP dinner ticket for personalised advice and one-on-one discussions. For information on the event click here https://www.tickettailor.com/events/boardroomclubconsultingltd/1776525

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While we are invested in these products this is not investment advice!

What we talked about...

Bond Investment Strategy Discussion

Adam discussed his investment strategy, focusing on bonds as a hedge against potential market volatility and inflation. He highlighted the tax advantages of investing in Gilts and the current attractive yields compared to other investment options. Rod asked questions about Adam's approach, including how to buy bonds and what would change his mind about the strategy. Manish provided additional insights, emphasizing the role of bonds and gold as hedges for stock portfolios and the tax efficiency of investing in single Gilts.

Israel: Attractive Tech Investment Destination

Manish discussed the performance of global stock markets, highlighting that while the US market reached record highs in 2024, investors should not be deterred by this as it is a normal occurrence. He suggested Israel as an alternative investment destination for tech stocks, noting its strong performance over the past two years despite geopolitical concerns. Manish explained that Israel's high research and development spending, strong tech sector, and defence spending make it an attractive option for global diversification, particularly for those concerned about US currency risk.

Market Timing and Investment Strategy

Rod and Manish discussed the investment potential of a market with strong fundamentals, including high productivity growth and a concentration of academic skills and startups. Rod expressed concern about timing, wondering if the market was already priced in and if it was too late to invest. Manish acknowledged this risk but viewed it as a good momentum play, suggesting that geopolitical concerns could provide opportunities for accumulation. Adam agreed with this perspective, noting that momentum has proven to be a successful investment factor and that staying out of the market could be more challenging than making a calculated risk.

India ETF Investment Strategy

Rod presents his investment pick, an ETF tracking the Indian market (ticker IIND). He explains that he has invested in this for a few years and believes it's currently well-priced after a pullback. Rod cites India's fast-growing economy, favorable demographics with many young people, an expanding middle class, and a high number of millionaires as reasons for his choice. He views India's young demographic as positive for productivity and overall growth potential.

Rod discussed the long-term prospects of investing in India, highlighting its strong fundamentals, including a growing finance sector and a young, educated workforce. He noted concerns about currency risk due to the Indian rupee being priced in US dollars and the volatility of the market. Adam agreed with the long-term potential of India, comparing it to China 25 years ago, but expressed uncertainty about the timing of the investment. Manish, who also owns India, supported the long-term view, citing demographics and potential benefits from global trade dynamics, while acknowledging the currency risk for sterling-based investors.

Investment Picks and Performance Review

The group discussed investment picks and performance, with Rod sharing his successful April pick of URNG, which gained 91% since then. Manish recommended the Framlington ETF over the more expensive alternative due to its lower expense ratio of 0.2%, and mentioned he would consider trimming his position in the crypto-related ETF BLK due to recent strong performance. Adam expressed a preference for long-term buy-and-hold investing focused on fundamental value.

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It’s not a hypothetical question. It's the reality of the specialist supported housing sector.

In this deep-dive episode of The Rodcast, I sit down with Ben Green and Adrian D'enrico from Atrato Capital, the new investment advisors to the Social Housing REIT. They reveal the inside story of their transition from managing supermarket-backed assets to taking the helm of a nationwide portfolio providing essential, adapted homes for the UK's most vulnerable adults.

We explore everything from the financial mechanics of a REIT structure and the benefits of daily liquidity on the London Stock Exchange, to the operational reality of managing 494 properties and the critical importance of achieving 90% occupancy.

If you are an investor looking to understand a sector with a genuine social impact, backed by government funding and long-term, inflation-linked leases, this conversation is unmissable.

IN THIS EPISODE, YOU'LL DISCOVER:

The Big Switch: Why Atrato Capital pivoted from supermarket income to social housing.

A Deeper Purpose: A look inside the world of specially supported housing and the positive impact it has on residents' lives.

The Financial Nuts & Bolts: The advantages of the REIT structure, their current debt strategy, and how they approach property valuation.

On the Ground Reality: The operational challenges of managing a nationwide portfolio, from annual inspections to achieving EPC compliance.

Navigating the Market: How they are tackling inflation, managing rent adjustments, and deciding between share buybacks and new investments.

KEY INSIGHTS & STRATEGIES DISCUSSED:

The strategic push to improve occupancy rates from 86% to 90%.

The operational necessity of conducting over 200 property inspections annually.

Why strong relationships with care providers are mission-critical.

Tackling the 2030 EPC compliance deadline.

The capital allocation dilemma: Share buybacks vs. new property investments.

Don't forget to LIKE, SUBSCRIBE, and hit the NOTIFICATION BELL so you never miss an episode of The Rodcast!

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In this episode of The Rodcast, Rod Turner sits down with a true champion of British retail, Alex Schlagman, the founder of Save The High Street & Together Futures. They dive deep into the real challenges and surprising opportunities facing our town centres today.

Forget what you think you know about empty shops and the "threat" of e-commerce. Alex reveals how digital-first brands are now desperately seeking physical stores, why empty spaces are a golden ticket for regeneration, and how investors are finding significant returns in unexpected places.

From competitive socialising and flexible workspaces to the AI platform helping small businesses thrive against the odds, this conversation is packed with actionable insights for investors, business owners, and anyone passionate about the future of their local community.

IN THIS EPISODE, YOU'LL DISCOVER:

From Threat to Opportunity: How e-commerce is now fuelling a return to physical retail.

Beyond Shopping: Why the future high street is a diverse mix of F&B, leisure, and innovative commercial spaces.

The AI Revolution for Small Business: An introduction to Thriver, the AI-powered platform helping small businesses manage 143 essential tasks.

Investing in the Comeback: Where savvy investors are finding success and the hands-on asset management strategies that work.

The Council's Role: How local authorities can become powerful partners in regeneration and economic growth.

---

**KEY TAKEAWAYS & ACTIONABLE ADVICE:**

---

* Why flexible lease terms are crucial for attracting new businesses.

* How to develop incubator programs to fill vacant retail spaces.

* The power of using AI technology (like Thriver) to support and scale small business operations.

* The importance of community-level activations and supporting local champions.

* Why reevaluating the business rates system is essential for survival and growth.

---

Find out more about Alex's work at: [https://savethehighstreet.org/](www.togetherfutures.com)

Don't forget to **LIKE**, **SUBSCRIBE**, and hit the **NOTIFICATION BELL** so you never miss an episode of The Rodcast!

As Always thank you to our sponsors www.978finance.com Contact them to arrange finance on your next deal!

You may have heard about the workshops Rod and Adam Lawrence put on for SME property Businesses. The next is on JV's and M&A in London on 3rd July 2025. Limited tickets left for this event here http://Bit.ly/pbwseven

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Here is what you can expect from the episode;

Paul's journey from chartered accountant to venture capital, and his evolution into property, shifting from trading to a unique investment model.

What drives the Supply of homes.

Why Landlords are exiting the market.

Why average and lower income households are seeing a contraction of rental opportunities.

Why institutional capital has stayed away from UK residential in the past.

Why the residential market is so fragmented.

Why institutions have stayed away from existing homes vs new builds and what are they missing.

UK residential investment Market vs more established markets like USA and Germany.

Consolidation of private rental market and what that means.

How do lower value areas vs higher value areas affect the investment model.

The data they use in their investment models.

Fixed costs of running a lower value property erode the income disproportionally.

Rents top out at the higher end of the value curve so how they triangulate their sweet-spot.

Why do they favour the cash generating model.

The Drivers of Problems in Housing stock.

Liquidity of Housing stock.

Why Right to Buy Scheme has restricted stock of Social Homes.

Unintended consequences of Home Ownership promotion.

Sustainable tenancies and Affordability.

£19 Billion of welfare is unclaimed.

Having a resident base that is not just income driven.

Key data sets that Paul likes to keep his eye on.

The Biggest risk to G2M and what they are doing to mitigate it.

Why being resident centric helps to look after everything else.

How Paul's role as CEO has shifted as the business has grown.

Why they demerged the investment and operational parts of the business.

The change in culture of a growing business.

The challenges of pivoting from trading to investment models.

The valuation of Time in property.

The importance of Arbitrage.

Why understanding the Capital replacement cycle is key.

The energy and motivation required to be investing in residential property.

£300 Billion a year of existing homes change hands each year and why that is important.

What would change Paul's mind on investing in existing homes.

The effect of regulation on the Housing Market.

Energy Performance regulations and how to allocate capital toward that.

As always a huge thank you to www.978finance.com who made this episode possible. Please contact them if you have any finance needs for your next property deal.

Our channel relies on engagement to keep attracting great guests. Please subscribe so you don't miss an episode, like and comment on our videos and podcasts and comment on anything you would like us to discuss on The Rodcast.

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I asked Darren Rodwell the ex Leader (and Mastermind) of Barking and Dagenham Council's impressive Housing record about this and more.

Darren and I discussed;

The breakdown of housing for communities.

Why Barking and Dagenham's community had felt the extremist views of the BNP were what they needed prior to Darren.

Why people strive for a community that shows value to them and that they show to that community.

Our desire for our children to do better than us.

The difference between Affordable and Social Housing.

The Anderson Housing Act after the war, Homes for Heroes the Nationwide expansion of Housing.

How after the Victorian era hope and aspiration ruled and it became an expectation that the council would provide you a home and business would provide you with a job.

Common good vs good for the individual.

Housing Associations, council equivalent rent and shared ownership schemes.

How "Affordable" means we recognise you can pay a bit more.

Why a mixed tenure approach to housing is important.

Why some labels create echo chambers of "you are not good enough.

Why Housing should be Aspirational.

Council Housing is a form of Build to Rent.

How the council housing boom after the war was funded when the country was broke.

How Darren reduced Temporary Accommodation costs to the council year on year.

How Barking & Dagenham built 20% of Londons Affordable Housing.

Why expecting private developers to pay for council housing is causing councils to go broke.

The power of being led by community, facilitated by Local Authority and invested in by partners is the key formula that councils should adopt.

You only get a council property if your need is greater than others.

How Darren reduced Housing waiting lists from 11,000 to around 4,000.

Why looking at the deprivation index is a good measure.

Building communities and not just homes should be the focus which is why the percentage of schools rated good to outstanding increased from 68% to 92% in the borough.

Why Local Authorities must serve the community rather than Parent it.

A council should look to reduce running costs but empower the community.

Why we have not done proper council house building in the UK since the 60s and 70s.

How MIPIM is now attracting public and private entities together.

Measuring success in social equity with the peoples personal index.

How wealth funds, infrastructure funds and pension funds can play a vital role in affordable housing.

Why housing is the greatest infrastructure requirement in this country.

How housing benefit costs can be offset by capital expenditure.

Why the planning system is not broken.

And a whole lot more.

As ever if you enjoyed this episode please leave a comment and press the like button. If you are not already please subscribe to the channel so you get notified when there is a new episode.

Thanks to our sponsors www.978finance.com who make each episode possible. Please contact them for all your finance needs.

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Is planning reform the answer?

Is land banking a problem we should be concerned with?

I speak to Veteran of the property industry Peter Bill to discuss peoples Perceptions of the Housing Crisis and why he feels many of these perceptions are incorrect.

Peter tells us

His background and extensive career in Property and Journalism.

Why he feels the state cannot exert control over housing in the UK.

How the price of new homes is linked to second hand homes.

How the economics of Housebuilding works.

How land use for housing has changed over the years.

How the rate of Sale Per Outlet Week (SPOW) is a key metric for Housebuilders and the housing market.

Why he feels building more houses will not decrease prices.

How housebuilding correlates with economic output.

Why the economics of building large blocks of flats is different to Housebuilding.

Why he feels improving the planning system has never resulted in more homes.

Why developers should not rely on the state to help them.

His thoughts on the governments current planning reform.

Why prefabricated building has not and is not the answer.

Why he feels the infrastructure of building council & low cost housing has been destroyed.

How the sizes of homes have got smaller over time.

How the amount of homes per hectare has changed in the last 30 years..

Why it has become so difficult for SME developers in the UK.

And so much more.

If you liked this episode please like, subscribe and leave us a review as it helps us to keep getting great guests like Peter.

You can also watch our episodes on our Youtube Channel www.youtube.com/@rodcast-property

Thanks as ever to www.978finance.com who sponsor our episodes. Please contact them for all your finance needs.

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Each of us then critiques this decision.

We also explain the current market dynamics and in this episode (recorded 4th April 2025) that is centred on the Trump Tariffs which has caused a tumble in the US stock markets.

Whilst we do invest in these picks THIS IS NOT INVESTMENT ADVICE and should not be taken as such.

We love to hear what you are investing in now. Let us know in the comments.

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Michael is probably the most qualified person I have ever spoken to on UK Housing, and my gosh did it show!

We discussed;

- Michaels background and career going from a degree in Building surveying to working for project managers and private developers to his current role at Grainger PLC.

- The difference between how private companies and public companies operate in the Development space.

- How the Development industry has changed over the past 30 years.

- The problems of Town Planning and how it has been politicised.

- How NIMBYism is a disease.

- Why the rhetoric & the narrative of pro development is the biggest single change to planning reform.

- Why he feels we are in a Housing Emergency.

- £2.3 Billion a year being spent on Temporary Accommodation and housing waiting lists being out of control.

- Why the Renters Reform Bill & Renters Rights Bill were direct responses to the Private Rental Sector being used by people that cannot afford it and should not be in it.

- Mom & Pop Landlords, accidental landlords, part time landlords and how important they are for the PRS.

- Why he does not agree George Osbourne's main aim was to institutionalise the PRS.

- According to surveys of customers/tenants in the PRS, the vast majority get a good deal, so why are the PRS demonised?

- Why he is happy with the majority of reform of rental industry in the renters rights bill.

- Why no one speaks about how the PRS has propped up housebuilding in the UK.

- Similarities with Section 106 in suburban areas holding up development and the PRS demonisation stalling ultra urban development.

- Why Private investment is vital for UK housebuilding, development and infrastructure.

- Why most house builders are now avoiding ultra urban schemes in favour of less units of housing.

- Why rate of sale is so key for house builders.

- The ability of private capital to say no to investing in Housing in the UK.

- Why policy makers need to understand what development needs to be viable.

- Why Michael agrees with approaches by the GLA in the past to percentages of affordable housing needed on sites.

- Why he prefers the ideas of grants to the dropping of tariffs for housing.

- Why the loss of SME developers in the market is a disaster.

- Where he feels there are opportunities for SME Developers.

- The costs of getting to planning for SME Developers.

- Why big house builders cannot be set up in this environment and what needs to change.

- Labour seeking to tackle red tape around town planning.

- Planning isn't THE problem but it is a problem.

- Why Landbanking is a misnomer.

- £90 Billion required to build 90,000 social homes.

- Why the SME builds in a different way to big house builders and why we have lost capacity in the UK to build lots of houses in different areas.

- Why subsidy for social homes is vital.

- Michael gives advice to any young person who is looking to get into the real estate industry.

If you enjoyed this episode please leave a comment below and let us know your favourite part. We rely on growing our audience to keep getting excellent guests so please make sure you subscribe. We are also on Youtube, follow us there too. https://www.youtube.com/@rodcast-property

As always thank you to www.978finance.com for making this episode possible. If you are looking for structured finance, Development loans, Bridging loans or just investment mortgages please get in touch.

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Ever wondered how banks actually decide on those mortgage rates? 🤔 Join us for a fascinating deep dive with Daryl Norkett, Director of Real Estate Proposition at Shawbrook Bank, as we uncover the mysteries of mortgage pricing!

In this episode, we explore:

The inner workings of bank loan pricing: Get an insider's perspective on the factors that influence your mortgage rate.

Base rate predictions: Will we see cuts this year, or will inflation, the Ukraine war, and Trump tariffs push rates higher?

The impact (or lack thereof) of base rate changes on your mortgage: Discover why your mortgage payments might not move in line with the base rate.

The link between savings deals and mortgage products: Learn how your savings account can affect mortgage rates!

Emerging trends in structured finance: Explore the latest innovations in mortgage products.

The evolving mortgage market: See how lenders are adapting to meet the changing needs of customers.

Revolutionising the Private Rental Sector (PRS): Discover how mortgage products are changing for the modern landlord.

The future of arrangement fees: Are those hefty fees here to stay?

Bank profit margins: Uncover the typical margins banks aim for when setting mortgage rates.

Mortgage rate forecasts: Where will rates be by the end of 2025?

Key factors impacting mortgage prices: Stay ahead of the curve by understanding the forces that drive rate changes.

And much more!

Don't forget to like, comment, and follow if you enjoyed this episode!

A huge thank you to our sponsor, 978 Finance! Visit www.978finance.com for all your finance needs.

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We discuss;

Suzanne's move from being a lawyer for multinational corporations to becoming a Property Investor.

Difficulties she had with lettings agents and why she set up her blog for Landlords.

How Smaller Landlords can survive in the Private Rental Sector

The type of mindset Landlords and Residential property Investors should have.

Is Passive investment a reality for Landlords

Awabs Law, Damp & mould and duty to investigate the causes of Damp and mould and what details are still to come.

People on Benefits can have a good credit history.

What Landlords and Property Investors should be concerned about in the Renters Rights Bill including

- Abolition of section 21

- The end of fixed term tenancies and the impact on the student market in particular

- New grounds for section 8

- Rent increases through Section 13 notices and the first tier tribunal. How tenants are being incentivised to go to tribunal.

- First months rent and rent in advance payments.

Some common misconceptions from Landlords on the Renters Rights Bill.

The process of how the Renters Rights Bill going through Parliament and onto the statute book.

Changes in EPC requirements.

Differences in Energy Efficiency Ratings, Carbon offset and what will the new EPC prioritise.

What is currently being consulted on for EPC.

- When this will come into force.

- How long will the new EPCs last for.

Windows of opportunity for Landlords to think of now.

Price cap for works to get to an EPC rating of C.

How the price cap works in relation to what you spend money on first.

Money spent now does not contribute to the cost cap.

Generous grants are available.

Disproportionate effects on low value areas.

Changes of rules for listed buildings and EPCs.

EPC assessments and the assumptions that occur.

Tips for Landlords to ensure the EPC is getting the best score at assessment.

The importance of evidence.

The stages of change management and how investors are going through grief but need to jump to acceptance and implementation.

Pricing the risk of these changes for property investors.

Avoiding problems is better than fixing them.

Percentage returns are useless without a value.

Examples of buying property not being a good investment over the long term.

Please check out Suzanne's great blog posts here https://theindependentlandlord.com/the-independent-landlord-blogger/

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In the episode we discuss the impacts it has had on Businesses but also on individuals Pensions.

We look at the pros and cons of investing into an ISA vs a Pension Wrapper and how the budget has changed these.

We discuss in detail some scenarios where you may favour investing in an ISA over a Pension and vice versa.

You can connect with Jon here https://suitablelife.co.uk/

As ever if you enjoyed this episode please leave us a review and be sure to like and follow us wherever you listen to your podcasts and don't forget we now have our episodes on our Youtube channel for you to watch. https://www.youtube.com/@rodcast-property

Thank you to our sponsors www.978finance.com who are the go to people for your finance needs and www.konnexsion.com the best software solution for property management.

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Jon was previously on the Rodcast a few years ago discussing Financial Planning. If you have not listened to that episode please go back and listen to that first, Episode 63.

In this episode we discuss how people should approach the often emotive subject of Legacy and Estate Planning with an emphasis on Property Investors.

We discuss;

How to approach Legacy Planning.

Warren Buffets mantra of "Leave them enough to do anything but not enough to do nothing".

The difference between Financial and Non financial Legacy.

Memory Dividends and Financial Dividends.

Common mistakes of Property Investors when approaching Legacy Planning.

Control Freaks - what we can and can't control.

Different types of property to pass on and why.

How Abdication of responsibility is such a big, common problem.

Financial education for children.

Operational intensive assets.

Pro's and con's of Gifting.

Different types of gifts.

Gifts and Trusts.

Nil rate bands and Taper relief.

Chargeable lifetime transfers.

Gift inter vivos policies

Assets going into trust at death vs in lifetime.

Spend it, Gift it, Insure against it or invest in assets that don't attract it (which can change).

How probate issues can affect legacy planning.

Importance of Liquidity throughout your lifetime.

Difficulties of planning for your future self without knowing them.

Your life is never as cheap to insure as it is today.

How we are driven by pain points.

How and why the the asset mix in your portfolio should change over time.

This discussion was so brilliant we have had to split it into 2 parts and will release the next episode in a weeks time which discusses changes in the recent Budget, Pensions and ISA's so look out for it.

If you liked this episode please give us a like and a review and make sure you follow the Rodcast so you do not miss an episode.

If you are interested in the Property Business Workshop in London on 16th January you can see details here https://www.tickettailor.com/events/boardroomclubconsultingltd/1433877

Thanks to our sponsors

www.978finance.com please get in touch with all your finance needs

www.konnexsion.com who can take care of any property management software solutions you need

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If you have not listened to one of these episodes before the idea is we each pick a stock, Bond, ETF or investment that most people have the ability to buy and explain why we think it is a good pick. We then open it up for critique from the others. We should point out that although we do invest in these, this is in no way Financial Advice.

We also discuss the wider markets and the factors that may affect future earnings.

For this quarter Manish chose BLOK an ETF that invests in Transformational Data Sharing Technologies https://finance.yahoo.com/quote/BLOK/?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAAKfCtRCxJAg5gC4MeXtZFtEjw4297ANcxQoWndKd_TyUQLKIgfWgDZMvF3xwlpjtvr-Y-kvgFf25Mf4WTNx_mZNVSA-T8-XWVZg6KdAOR1K_qF74GJmJvi6DpHhhMR-CNzoVDH_A4XIwg0u-ND-JYtlAn6ichUJr527R_uDYHZIp

Rod chose Ranmore Global Equity Fund, an actively managed Value fund. https://www.morningstar.co.uk/uk/funds/snapshot/snapshot.aspx?id=F00000J58Q

Adam chose WISE, a fintech company focused on Global money transfers https://www.google.com/search?q=wise+stock+price&oq=wise+stock&aqs=chrome.1.69i57j0i131i433i512j0i512l4j69i60j69i61.4827j0j4&sourceid=chrome&ie=UTF-8

I would really appreciate it if you like, follow and leave us a review wherever you listen or watch the podcast.

Enjoy

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Ryan describes his role as CCO being between the raw products (in this case pound notes) and the sales team.

This is a cracking episode that has so much information for any investor wanting to understand the specialist mortgage market better, including;

The mortgage market review.

Production costs of credit vs costs of risks.

How the way the UK lives and works determines the demand of products.

How the specialist mortgage market has changed over the years.

How the low base rate decade affected the mortgage market.

The shift in types of property investors over the years.

Changes in Demand for Buy to let property.

Credit lines for lenders vs SWAP rates.

Examples of why the ability to Hedge a loanbook can change mortgage product pricing.

Historical spreads between high street lenders and specialist mortgage products.

How lender price specialist mortgages.

Why savings rates have lagged lending rates.

How banking regulation has built resilience in the UK.

Mortgage product and application fees vs interest rates.

Managing customers expectations when base rates double.

Differences in the housing market compared with other period when rates increased.

The need to unlock SME Housebuilders.

Market responses to politics and of course their Residential Market report which can be found here https://togethermoney.com/residential-property-market-report-2024?utm_medium=referral&utm_source=general&utm_campaign=resi2024&utm_content=div_groupaud_direct041024campaignutm15

If you are interested in our Property Business Workshop on the 16th January in London please check out the details here https://www.tickettailor.com/events/boardroomclubconsultingltd/1433877

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We use a lot of graphs and charts so it may be better for you to watch on our youtube channel here https://www.youtube.com/@rodcastITP

We show and analyse data on

Rents

Affordability

Regional differences

Room Rates

House Prices

Factors affecting House prices

First time buyer data

Wage growth

Household data

Inflation

Lending markets

Labour Markets

If you would like more information on the Property Business Workshop mentioned in the episode please click on this link for more info. https://www.tickettailor.com/events/boardroomclubconsultingltd/1433877

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This is not investment advice!

We give our thoughts on the investment environment including the economy, productivity and the stockmarket.

As always we each have 1 pick of a stock, ETF, Bond, REIT or other financial product that would be available to most everyday investors. We give our reasons for the pick and then open up the floor to the others to critique our choices.

Adam chose 30 year UK GILT

Rod chose Liberty Media Corp Series C (LSXMK) https://finance.yahoo.com/quote/LSXMK/ A media stock listed on Nasdaq which is involved in some M&A action.

Manish chose HSBC FTSE EPRA NAREIT Developed UCITS ETF (HPRS.L) https://finance.yahoo.com/quote/HPRS.L/ A Global REIT ETF

Don't forget you can now watch all our episodes on YouTube https://www.youtube.com/@rodcastITP please give us a follow there.

Do you want to know how to negotiate better with sellers, understand what is involved in exiting a business as well as working out what your exit should look like? Or maybe even just trying to understand which professionals you should look for and what to ask them whether that is estate planning, selling a business or even structuring a deal. Our latest workshop taking place in London on 1st October 2024 goes through all of this. Check it out here https://www.tickettailor.com/events/boardroomclubconsultingltd/1333219

As always thats to our sponsors who make this episode possible

www.978finance.com - Get in touch with them about financing your next deal.

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His developments have achieved 4 RIBA awards, 5 Evening Standard awards, The RICS award and The Royal Fine Arts Commission Trust Award. So when he suggested we discuss some of the ways that more housing can be built I jumped at the chance!

In this episode we discuss;

Pieter's background and how he came to specialise in Affordable Housing.

What Affordable Housing is defined as.

What the main Problems with Housing in the UK are.

What is stopping more affordable housing being developed in the UK.

Thoughts on recent news that Section 106 transactions are dwindling. Why and what can be done.

How the government can motivate more SME's to develop Affordable Housing.

Traps that Developers should consider when it comes to developing affordable housing.

The changes to Affordable Housing over the years.

How the planning system is playing a part in the development of Affordable Housing and what changes could be made.

And Lots more.

If you enjoy this episode or any of our other 100 + previous episodes please be sure to leave us a review where ever you listen to your podcasts. It really helps us to continue to attract more fantastic guests. Thanks in advance.

Don't forget we are also now on You Tube https://www.youtube.com/@rodcastITP please give us a follow.

As ever thanks to our sponsors www.978finance.com (Contact them for finance on your next deal) and www.konnexsion.com (contact them for fantastic property management software)

Don't forget that myself and Adam Lawrence will be hosting our next Property Business Workshop (for Property Business Owners and portfolio holders) on 1st October in London. You can see more information and tickets here https://www.tickettailor.com/events/boardroomclubconsultingltd/1333219

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We discuss;

Toby's background in property development and lettings and his motivation to be in the supported living sector.

What the definition of Supported housing.

Challenges of running an investment House in this sector.

Using data and tech to assist with asset management and finding deals.

Use classes and the planning system when it comes to supported housing.

The difficulties of finding and dealing with operators in this space.

Different types of leases and what they mean for investors and operators.

The regulator and the mismatch of what they want and what is happening in the market.

The LHA rate and what is sustainable rent for supported living sectors and why.

And Lots more.

Once again thanks to the sponsors www.978finance.com please contact them about financing your next deal

www.konnexsion.com please contact them to enhance your property management.

Also a quick note of our next workshop.

I see it come up all the time when people want to exit/sell a portfolio/business. They've got no exit plan. 

Understanding your own is crucial otherwise there's no point putting all this effort in.

Understanding all this also helps you provide proper solutions for vendors that can help to get deals over the line.

Check out details of our property business workshop on exits in October here https://Bit.ly/pbwfour

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We talk about communication and how important it is in property management.

Different ways to communicate and to whom eg voice, SMS, Whatsapp, email etc.

Audit trails

Record keeping

Getting all stakeholders communications recorded in a centralised place without changing their preferred method of communication.

Integration and using Cloud.

Asset Management

Tenancy Management

Finance

AI and document ingestion.

transcription of videos and voice notes.

If you are interested on efficiencies in the property management of your business then this episode is one for you.

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This time Adam Lawrence and I will be taking on: The fundamentals of property investment. Risk mitigation and control. Relevant investment metrics. Differing secured debt arrangements and loan structures – and – Scaling your property portfolio/business – why, when and how?

Thursday 4th July, in a Central London location (Blackfriars). Let’s face it – there’s nothing else on that day apart from a rout. Early Bird tickets are running out – and thanks to the early bookers who make it viable to book a room and organise the event – we reward them with 10% off! There are tickets still available here: http://bit.ly/pbwthree

Now to this episode.

Mike Kovacs from Castleforge is always a fountain of knowledge when I talk to him and this time was no different. I love his data led research approach to investing in different use classes and geographies.

In the episode we discuss what Mike has been up to since we last spoke on the Rodcast a few years ago in episode 72 https://shows.acast.com/5d72784e408342486f3e10c1/633ee475050f5400123d2eaf

We discuss;

What has happened in terms of people being back in the office and how that differs in different markets.

Structural differences in Markets that technology cannot fix in the office market.

What has happened to Traditional office leases over the past couple of years.

Flexible office market and how this is changing.

We Work' s effect on the London flexible office Market

Regional office markets.

How commutes affect office demand.

Office costs as a percentage of a Businesses costs and how that has changed.

Security of income in Flexi offices.

What investors should be concerned about in regards to metrics.

What office investors can learn from Hotel investments.

The parts of the office market he focuses on and why.

Why investors are only now realising the operational efficiencies of old school investments have changed.

How Covid affected the Hotel market and why they felt it was the right time to get into hotels.

How they chose the type of hotels and locations to invest in.

Issues with the capital structure of some Hotels.

Why Hotels have a track record of keeping up with inflation so well.

What are the factors and some examples of what they look for in locations for Hotels.

The effects on Hotels on the short term let and holiday let market.

Why their residential arm "Ocasa" focuses on lower to middle market and affordable products.

Barriers of entry in lower value residential areas.

How they built a portfolio of over 2,250 residential units.

How to look at the addressable market.

The cost of Development.

Cost of Living and how that is affecting affordability for renters and what they do to mitigate these risks.

Operational costs of operating a residential portfolio.

he ongoing costs and investment metrics needed in residential investment.

Should operations be split from ownership?

How regulation is affecting operational costs.

The problems of investors realising they are running a business.

Options for tired landlords.

The future of Data Centres.

How energy markets affect Data Centres.

Why there are supply constraints in Data Centres.

Different types of Data Centres and what to look for in a building or location for a good investment.

And lots more

Thanks to our sponsors www.978finance.com & www.konnexsion.com

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I was joined by Honor Barratt the Managing Director of Birchgrove, https://www.birchgrove.life/ a Senior Assisted Living operator that is funded by Impact Fund, Bridges https://www.bridgesfundmanagement.com/our-story/

We discuss;

Honor's background in business and how she became the Managing Director of Birchgrove.

Coping with changes when your business is bought by Private Equity.

Upskilling through business programmes such as Harvard.

Transferable skills from a Creative industry.

The scale of the retirement living problem in the UK.

When people should look to downsize.

Renting in later life.

How the housing market is affected by the older population.

How the senior living market in the UK compares with other countries.

Why does it take us so long to create buildings in the UK.

The biggest challenges Birchgrove faces.

Market and Investors concerns over the supported living industry.

Where the money is currently coming from that is investing in UK Senior Living.

Measuring Impact.

Delivering EBITDA with impact.

How ESG and EBITDA are not mutually exclusive.

The biggest challenges with scaling a business where there is an absence of comparables.

The demographics of the industry and why this sector looks rosey.

Identifying the problem with insight.

How the cost of finance affects the business as well as impact.

The realities of paying for care.

Having a sense of purpose and how that really supercharges things.

Ghetto-ising certain communities and how sometimes some communities want it.

How impactful gestures can be.

And Lots more.

Thanks again to our sponsors 978 Finance https://978finance.com/

and

Konnexsion property management software https://www.konnexsion.com/user-login

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Jo has a heap of experience in Commercial Property Investment starting her career at JLL, La Salle Investment Manager and then moving on to for part of the team that created Acuitus Commercial Property Auctions before joining Olim Property.

In this discussion Jo and I discuss;

How Jo came to be involved in the investment side of Commercial Real Estate.

Different types of sellers and buyers at commercial property auctions and differences in approaches between institutional investors vs private sector investors.

Why institutional investors decide to sell at auction.

How the structure of a typical institutional real estate portfolio has changed over time.

As an investment manager how does the clients needs dictate the sectors that you look to invest in.

Where her focus in terms of asset types has changed over the past few years.

The importance of not just reducing risk for clients but also reducing costs.

Valuations when transactional evidence is low and how that can affect decisions to sell.

Theory vs experience.

The delay between cause and effect on asset prices happening in the market.

Cost of living crisis effects on covenant strength of occupiers of commercial property.

Difficulties in forecasting future rents.

Difficulties in achieving historical yields in certain asset classes.

How ESG factors into Jo's decision making when making investments and how that has changed over time.

Policy and Government changes and their effects on investments.

ESG and box ticking.

Advice to people looking to get into the industry.

And lots more...

Thanks again to our sponsors https://www.konnexsion.com who provide fantastic property management software and 978 Property finance https://978finance.com/ who provide finance for all property deals

If you enjoyed the episode please be sure to follow on whichever platform you listen or view on. Reviews are always welcome.

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We then got onto our picks for this quarter.

If you haven't listened to one of these mastermind episodes before the premise is we each pick a stock, bond, ETF, REIT etc that we feel is good to invest in now and give the reasons why. The others then are given a chance to critique.

Manish chose an ETF that tracks the Russel 2000 ticker IWM https://www.ishares.com/us/products/239710/ishares-russell-2000-etf

I went with an ETF that tracks the FTSE 250 with ticker VMID https://www.vanguardinvestor.co.uk/investments/vanguard-ftse-250-ucits-etf-gbp-distributing/distributions

And Adam chose Dimensional Fund advisors uk value fund https://www.morningstar.co.uk/uk/funds/snapshot/snapshot.aspx?id=f0gbr04v7x

Manish also came in with a bonus pick of the stock BP https://www.bp.com/en/global/corporate/investors/share-price-tools/share-price-history.html

To find out the reasoning and critiques behind these investment picks please listen to the episode.

Please don't forget to like and subscribe/ follow the Rodcast

THIS IS NOT INVESTMENT ADVICE

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Selling portfolio's and large HMO to funds and what they may be looking for.

However in this episode we discuss another property related business that Richard had several years ago that had disastrous outcomes for his clients, him and his family.

This is a candid discussion about what mistakes Richard made in business, what went wrong and what we can all learn and apply in our own businesses to ensure we minimise these things happening.

We discuss warning signs for both clients and Richard acting as main contractor. We look at it from both clients perspective and what you should be looking for in a contractor as well as from a contractors point of view.

As always thanks to our sponsors www.978finance.com who provide me with fantastic finance for property investments and developments and www.konnexsion.com whose software is invaluable in managing my portfolio.

Please don't forget to like and subscribe to our podcast.

If you. prefer to watch the episode please subscribe, like and watch our youtube channel https://www.youtube.com/channel/UCxkO-euK0xulYGS7vH08d5A

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We discuss;

His career and how an Italian town planner came to be in London.

How Morale, Money and perspective are causing issues in the planning system.

What is causing the issues with staffing in planning departments.

How "Public Practice" can help the planning system.

The public sectors PR department

Life on the front line in Local Authority Planning Departments http://samuelstafford.blogspot.com/2021/12/life-on-front-line.html

Common mistakes made when submitting planning applications.

Where does planning really sit in the agenda for the political parties.

Permitted Development.

How important soft skills are when trying to get an application granted.

Useful resources for Planning specialists and developers (see below)

https://www.youtube.com/channel/UCcMtoF0MPgFble556ncjNvQ

https://simonicity.com/

https://www.planoraks.com/

https://www.irwinmitchell.com/our-people/nicola-gooch

http://samuelstafford.blogspot.com/2021/12/life-on-front-line.html

As always a big thank you to www.978finance.com for sponsoring the episode. Please contact simon@978finance.com for all of your finance needs.

Please share this episode if you enjoyed it and don't forget to follow on your podcast platform or on youtube https://www.youtube.com/@rodcastITP and we would love a review.

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So it was an absolute pleasure to have the first ever Rodcast guest back on the show to celebrate our 100th episode and hear how his fantastic property business has navigated the difficult environment.

If you haven't heard the first episode then do go back and listen. (The sound quality is not good but the content of what Jason Tracey from www.bmor.co.uk discusses is brilliant)

In this episode we hear how Jason's company Bmor, a specialist regeneration developer and investor with a €1bn portfolio of complex, mixed-use, regeneration & restoration projects operate.

At heart they are bed specialists in that they focus on;

Housebuilding

Build to Rent

Social Housing

Hotels

Purpose Built Student Accommodation

Caravans

but more importantly the reasoning they use when they jump into each of these sectors.

This one is really a belter of an episode it is both inspirational and full of fantastic tips for any property business.

Thanks again to our sponsors www.978finance.com for making the episode possible. They provide fantastic rates in Bridging & Development loans, commercial mortgages and also Buy to Let products

This episode is also sponsored by Rod & Adam Lawrence's next Property Business Workshop on Joint Ventures and Due Diligence which takes place on 24th April in London. Find out more here https://www.tickettailor.com/events/boardroomclubconsultingltd/1136058

We are also on YouTube and you can watch this episode as well as other on https://www.youtube.com/@rodcastITP don't forget to subscribe

If you enjoyed this episode or any others please write us a review and share with friends. We really appreciate it.

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Paul was last on the Rodcast in 2020 on episode 15. If you have not listened to it please give it some of your time as it discusses Paul's amazing career from being Head of Land at Barratt Homes (The UK's biggest House builder) to his own business. https://shows.acast.com/rodcast/episodes/paul-higgs-development-land-and-planning

In this episode we discuss the difficulties of being a Property Developer in the UK and how to navigate the volatile industry including;

How Paul was able to win at appeal where others had failed on a complex Greenbelt site.

The realities of what the Green Belt is and what the government is doing to enable or discourage development on it.

Biophilic design and why it is important.

Common mistakes developers make.

Managing expectations of timeframes on development deals.

How the current planning system is affecting the building of new homes in the UK.

As always thanks to our sponsors at www.978finance.com for making this episode possible. Please contact them for any property financing needs.

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We had a brilliant conversation centred on Richards passion for rental Houses

We discussed;

Richards Career and how he came to be CEO of UKSFA

The history of Build to Rent (BTR) in the UK.

The current make up of BTR in the UK

Who have been investing in BTR in the past and how is that changing.

How the UK compares to other markets in terms of BTR and single family rental homes.

The benefits of Single Family rentals for tenants and wider communities.

Why institutional money have generally stayed on the sidelines when it comes to UK residential property and if this is changing.

This is a must listen for anyone growing a residential portfolio in the uk.

Thank you to our sponsors www.978finance.com for making this episode possible.

Don't forget you can watch this episode as well as other Rodcast episodes on our youtube channel https://www.youtube.com/@rodcastITP

Don't forget to subscribe

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We will go into much more detail at our live workshop in London on 24th April. More info here https://bit.ly/propertybusinessworkshop2

Points we cover in this episode are;

Joint Ventures

What do you want from a business partner. Where do you need to be aligned and where does it help to be different.

What happens in the event of a dispute. What are typical traps business partners fall into.

How can shares and what is included in Articles of Association mitigate issues.

The difference between Articles of Association and a Shareholders agreement and why you may use one over the other.

Why do people tend to fall into these traps when going into a business together.

Some examples of what can go wrong and what to include in an agreement to mitigate the chances of that.

Ensuring everyone knows where they stand in the event a dispute takes place and the mechanism that will be used to come to a decision.

Key person issues.

What to do if you are already in business and do not have these things in place.

Utilising Trigger Events.

Due Diligence on partners.

How to work out if a person or company will be a good custodian of your capital.

Return of Investment before Return on Investment.

Evidencing what people say.

Why accounts matter.

Ways of dissolving companies.

Online and offline due diligence.

Secured and unsecured debt and how to look at both and the real leverage someone or a company is really under pressure from.

Subordination and order of priorities.

How do you underwrite a deal as well as a person/organisation.

How to manage expectations when lending.

Mergers & Acquisitions on SME property Businesses.

Benefits of buying a company holding assets rather than the just the properties... It is not just Stamp duty.

Negotiation points from both the buyer and seller.

We will be going into far more detail on these topics at a live workshop event on 24th April in London. You can get more details for the event as well as buy tickets https://bit.ly/propertybusinessworkshop2

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As well as our picks, we discuss;

Pound cost averaging,

changing a portfolio for retirement

Bias to home nations

How value vs growth has performed

Nominal vs real numbers.

How long do you hold specific investments for and what makes you make a decision to sell or not.

Rod's pick is one of the Vanguard lifeStrategy funds which is 100& in equities with a bias to UK and USA. https://www.vanguardinvestor.co.uk/investments/vanguard-lifestrategy-100-equity-fund-accumulation-shares/overview

Adam's pick is Developed countries small cap value ETF https://www.ishares.com/ch/professionals/en/products/317548/ishares-international-developed-small-cap-value-factor-etf

Manish's pick is an energy ETF with a weighting towards American Oil producers https://www.google.com/finance/quote/XLE:NYSEARCA?sa=X&ved=2ahUKEwj71Jn_sb6DAxWOQUEAHYwHCCUQ3ecFegQIKBAX

For more info about the Boardroom Club please email me rod@incomethroughproperty.co.uk

For information about finance for property investors regarding mortgages and development& bridging loans please contact our sponsors 978 finance simon@978finance.com

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You can also watch this episode on our youtube channel https://youtube.com/@rodcastITP?si=MbqPWAGHJEmlvcfZ please don't forget to subscribe and hit the bell icon.

This episode is vital listening for investors concerned about mortgage costs and who want to understand which factors affect pricing.

With the emphasis being on SWAP rates for the last year or two, hear how deposit led banks could be affecting mortgage pricing in this higher rate environment

Daryl gives a great run down of what has been happening in the mortgage market over the past 12 months.

What he feels needs to happen in order for mortgage rates to go down and what the time lag between those events happening and the price cuts occurring will be.

What makes some lenders pull mortgage deals while others wont need to.

How the high arrangement fees on many mortgage products affect the banks risk in terms of loan to values.

And lots more ...

How National Insurance cuts and fiscal drag can affect property investors portfolios in different ways.

- If you have requirements for Buy to let mortgages, commercial mortgages, Development loans or bridging Loans then please contact simon@978finance.com our sponsor who has done an amazing job of financing all aspects of my portfolio.

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Largest ever increases to minimum wage.

LHA increased to 30th percentile of local rents.

Freeze on how Business rates are calculated and the discount in leisure, retail and hospitality is extended.

£3mil invested into pilot schemes to improve the process of buying and selling homes.

A consultation to start early next year on a new PD right to split a house to 2 flats.

Annual Tax on Enveloped Dwellings (ATED) to increase by 6.7%.

Guaranteed accelerated planning decisions on big developments in exchange for a fee.

Local development orders to speed up planning decisions for key commercial developments.

£110 million to deliver schemes to offset the stall on nutrient neutrality.

Affordable Homes Guarentee scheme to expand by a further £3billion so HA's can access cheaper loans for developing new homes.

£450 million to local authority housing fund to deliver 2,400 new homes for refugees and help homelessness.

£120 million for homeless prevention.

Mortgage Guarentee scheme extended for 18 months which allows buyers to borrow 95% LTV.

To read the Autumn Budget notes in full you can download this document file:///Users/rodturner/Downloads/DOC-20231122-WA0019..pdf

As always thanks to our sponsors 978 Finance. If you are looking at finance please contact simon@978finance.com

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Simon gives us a great update on;

The Buy to Let mortgage market.

Commercial mortgages and where prices are at now.

Development and Bridging loan market.

We also discuss;

The latest inflation figures and what that means.

The 7th Housing Minister in the last 21 months and what it really means for us.

The planning fees increasing and whether it will change anything.

Modern Methods of Construction.

How rents in commercial properties are rising but the Net Asset Values are reducing.

The latest guidance on Damp and Mould which can be seen here https://www.gov.uk/government/publications/damp-and-mould-understanding-and-addressing-the-health-risks-for-rented-housing-providers/understanding-and-addressing-the-health-risks-of-damp-and-mould-in-the-home--2#identifying-and-addressing-damp-and-mould-in-your-property

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Ian explains why he, along with industry experts such as Knight Frank and PWC, came up with a white paper (https://brickflow.com/solving-the-uk-housing-shortage) to present the government with.

He talks about what has led to the UK having a deficit of over 4.75 million Homes and possible solutions around;

Planning

Funding

Land Supply

Development Incentives

Affordability

Supply Chains

which include Technology, Modern Methods of Construction and a thorough analysis of the Green belt amongst other things. Listen to the episode for all the details.

Thank you to our sponsor 978 Finance. If you do have any requirements for Buy to Let and commercial mortgages or Bridging and Development Finance they are the people to speak to. They have helped me finance some complex deals and i am happy to say that i have now bought into the business! Email simon@978finance.com fo get more information on the best products for your deal.

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I go into details of the Kings speech briefing notes on the Leasehold & Freehold Reform Bill and what each point means for property investors.

Also the points raised from the Renters Reform Bill that were written about including how the government expect to carry these out and what they mean in reality.

I also talk about the latest figures from Nationwide and Halifax House price index's.

I touch on some of the traps currently in the murky world of property tax including mitigating section 24 and also SDLT relief claims.

As I mention we are excited to bring you our Mortgage Brokerage which specialises in BTL, commercial mortgages, Bridges and Development loans. If you do have any questions about financing your properties or sites please feel free to contact myself rod@incomethroughproperty.co.uk or my business partner Simon Das simon@978finance.com

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We start the episode by giving a roundup of the investment environment along with how certain markets have performed and what we feel the outlook is.

We then get onto our picks.

Adam chose UK30 Year GILT which yeilds 5.102%

Rod Chose The UBS ETF (LU) Bloomberg TIPS 10+ UCITS ETF (hedged to GBP) A-dis seeks to track the Bloomberg US Government 10+ Year Inflation-Linked Bond (GBP Hedged) index. The Bloomberg US Government 10+ Year Inflation-Linked Bond (GBP Hedged) index tracks inflation-linked US government bonds.

Manish chose GDX. It's a play on the gold price but more leveraged, through gold miners.  

Have a listen to find out why

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We discuss;

How EPC targets align with the two main Policy trends which are cross party agreement on making the private rental sector more professional and the legally binding target of reaching net zero by 2050.

Why the target that was scrapped was impossible to achieve.

Why EPC calculations are not fit for purpose.

Why investors should continue to ensure their properties are as Energy Efficient as possible.

Why the UK housing stock leaks the most energy in Europe

Suggestions of some policies that could be put in place for a more sustainable housing market.

You can read more about Anna's suggestions in A Vision for the UK Housing Market - Cambridge University Land Society's Whitehall Group - https://www.culandsoc.com/wp-content/uploads/2023/04/Final_Housing-Policy-Whitepaper-Whitehall_Apr23_ART.pdf

And you can find more information on her career and business below as well as her podcast.

annaclareharper.com

greenresi.com

LinkedIn https://www.linkedin.com/in/annaclareharper/

Podcast: bit.ly/returnpodcast

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And this is one of the incredible feats my guest on the latest rodcast episode being released tomorrow has done.

Alexander Limpert Co founder and CEO of GuestReady tells us about;

How he identified the short term rental industry as one he wanted to be in.

What makes a good property for short term let's.

How does the industry differs across countries and what can the UK market learn from other locations.

What data and trends he sees that may surprise us.

How tech has enabled incredible growth and quality.

Lessons he has learned that he wished he knew when he started out.

Challenges in scaling the business.

The biggest risks to Short Term Rental industry.

You can find more info on Guestready at https://www.guestready.com/

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We discuss;

James' background.

The concept behind Re structured.

Traps that SME developers get caught in when choosing a structural engineer.

What developers should consider before they go ahead with a structural engineer.

The different types of costs associated with structural design and how to reduce them.

And lots more.

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If this is your first time listening to the Quarterly Investment Mastermind we each pick a stock, Bond, ETF or any other investment asset class and explain our reasoning and then open it up for comments to the others.

In this episode we discuss what has happened in Asset Classes for the first half of the Year with the Nasdaq having its best H1 of all time and the big tech names holding up the S&P500 whilst FTSE 100 has not done much.

We then go onto our picks. Whilst we all agreed that many REITs look good value at the moment we each chose the following;

Adam chose an Indian Tech consulting company, Infosys (INFY)

Manish chose an Emerging Markets ETF, iShares Core MSCI Emerging Markets (EMIM)

And I chose Agilon Health Inc (AGL) an American Health Platform for Seniors.

Have a Listen to find out our reasoning.

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The latest Inflation Print.

The Bank of Englands Response.

What are the tools that the Bank of England has at its disposal to reduce Inflation.

Demand vs Supply Inflation Issues.

What this means for Property Investors.

Some traps that Property Investors should be concerned about.

And much more

If you are interested in The 7 day Property Business retreat that Adam and myself run along with Sue Sims in October please email rod@incomethroughproperty.co.uk

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In the episode we discuss;

How he got into business.

What motivated him.

Some of the businesses he built.

His Ventures into the leisure industry.

His Debt fuelled expansion.

The fallout from Bankruptcy.

How he started again and went into the industry that was on the other side of the table when his previous businesses became insolvent.

What he deems as secure assets.

How challenging times build resilience which is such an important trait for successful business owners.

The dangers of expectations vs reality.

What success looks like to him.

Capital Intensive Businesses.

Easy Capital keeps poor businesses in business.

His thoughts on social media and lots more...

You can find out more about Matt's story and his businesses here https://matt-haycox.com/

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In this episode we discuss details on ;

The Renters Reform Bill

Purple Bricks bought out for £1.

100% Mortgages are back.

£250 million Investment into Stockport City Centre.

If you are interested in attending this years Property Business Retreat please email rod@incomethroughproperty.co.uk

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Jason clearly understands every aspect of his industry and how to optimise his business. We discussed everything from;

- Raising finance

- What properties to target.

- Reasons people sell to cash buying companies.

- Carrying out Due Diligence at speed.

- Deciding whether to sell a property or hold it in the investment portfolio.

- Lead generation.

- Cost per acquisition.

- Government Intervention.

- SDLT Reliefs on breaking chains and new builds.

- Macro Environment.

- Adapting a business.

- And lots more.

Please don't forget to give the Rodcast a 5 star review on the platform you listen to podcasts on and share the episode with any friends.

Many Thanks as always to our sponsors www.signaturepropertyfinance.co.uk

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He tells us;

The background to setting up his business 33 years ago Essential Information Group which is a comprehensive data and reporting system for UK property auctions. It has data on over 800,000 auction lots with 35,000 added each year.

Why auctions are a useful precursor to what happens in the wider property market.

What metrics should be used to judge different auctions if looking to sell or buy at auctions.

The effect Covid has had on auctions.

Some of the tricks of the trade and traps to watch out for if you are buying at auctions.

Current auction stock levels and what that means.

And lots more.

EIG sends out a fantastic newsletter each month which you can find here. https://www.eigpropertyauctions.co.uk/news/newsletters

As always huge thanks to the sponsors of the episode www.signaturepropertyfinance.co.uk

Our podcast attracts great guests from our listeners sharing the episodes with friends and leaving us good reviews on the podcast platforms. Please help us to grow by doing so.

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In the episode we discuss;

The latest news on Holiday Lets and will they have their own planning use class.

Is Commercial Real Estate the most at risk sector with fall out from the Banking Crisis in the USA.

The latest stats on MEES and energy performance of Commercial Real Estate.

Quality of Housing and what locations have the most sub standards of living.

Latest research from Hamptons on Landlords leaving the market.

REIT's and how their Net Asset Values (NAV) have been adjusted.

The latest Inflation readings and what sectors of property may be most at risk.

The latest affordability metrics from Nationwide.

As always please follow/subscribe to the Rodcast on your favourite podcast platform so you do not miss an episode. If you like it please leave us a 5 start review.

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I am joined once again by Adam Lawrence and Manish Kataria to give a a thorough breakdown of the investment landscape and pick our investments for this quarter. Each quarter we each pick a retail investment such as a stock, ETF, Bond or anything else that is fairly easy for most people to buy as well as being hands off.

We start the discussion with a breakdown of the Banking crisis and how the landscape in America and the UK and Europe currently differ.

We then move on to give an update on our previous investment picks and their returns to date.

Our picks for this quarter are as follows;

Adam has gone for a US Regional Banking ETF with the ticker KRE.

Manish has decided on a US Tech ETF with ticker XLK.

I struggled to choose between Barclays (BARC) and Glencore (GLEN) but eventually settled on Glencore the mining stock.

Thanks as ever to our sponsors www.signaturepropertyfinance.co.uk who make these recordings possible.

If you are interested in more information about the Property Business Retreat please email myself on rod@incomethroughproperty.co.uk

If you enjoy the Rodcast episodes please do not forget to give us 5 stars and a review on the podcast platform you listen on.

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We discuss;

Rent Controls, Landlord Taxes & Legislation - Looking specifically at the latest comments from Michael Gove on Rent controls and Landlord Taxes.

What the Budget Meant for Property - There was not a huge amount of Property related points in the Budget speech but if you look through the detailed notes there is one that may impact supply of homes.

The Banking Crisis in the USA, Credit Suisse and what this can mean for UK rates & Property.

Evergrande & the Restructuring of Overseas Debt and How this Affects Global Real Estate.

Breaking Down the Latest UK Inflation readings. Food prices, Energy, Housing costs etc and the difference between CPI, CPIH and Core Inflation and what they all mean for us.

For more info about the Boardroom Club that myself and Adam run please contact rod@incomethroughproperty.co.uk

Thanks again to our sponsors www.signaturepropertyfinance.co.uk

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I am Joined by Ross McColl who, with his brother owns and operates a high yielding portfolio of approximately 300 residential units in the South East.

We discuss;

How Ross left school at 16 with no qualifications then going back into education to do a Masters at Imperial College London in Finance and Economics in order to become a Citi Bank Trader.

How he fell in Love with numbers and realised he could use his skill set to enhance a poorly run family property portfolio.

How being thrown in at the deep end and having to asset manage difficult assets including dealing with over 150 evictions) gave him additional skills.

The types of property that he invests in and why and how that has changed over time.

Why looking at yield is such a strong driver for him.

The types of tenants and why he began to focus on Temporary accommodation as a way to mitigate risk.

Why he feels the lower end of the market has less room to fall.

His approach to maintenance and focusing on the long term.

Why he is so concerned about the removal of Section 21, EPC requirements and interest rates and what he is doing to mitigate those risks in his business.

What he knows now that he wished he knew when he was getting started in property.

How technology has benefitted his business

And much more...

As always thanks to our fantastic sponsors Signature finance who are lenders of Bridging and Development products. Don't forget to contact Tony@signaturepropertyfinance.co.uk and mention the Rodcast to have your legals paid for on their bridging or development loans.

Ross mentioned https://www.konnexsion.com/ which I also use as a tool for property management which we have found to be a great product.

Please leave a review on the podcast platform and share the episode with anyone you feel would be interested in it

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In this episode I am joined by Alicia Barlow who helps me to digest the big property news stories as well as deliver our opinions on them.

We discuss;

The most expensive residential property in Britain that has gone on the market for offers in excess of £250 Million.

The latest report from Carbon Laces on EPC's vs the actual Energy usage of the 17,000 homes they researched. They found that on average EPCs overestimate Energy usage by 91% compared to actual usage which begs the question do we actually need to bring properties up to a C on EPC's and are EPC's fit for purpose?

Home REIT - Two of their largest tenants have gone into voluntary liquidation, Several other tenants are taking them to court and withholding rent and they were last trading at almost 70% below their Net Asset Value.

Mortgage Prisoners from prior to lending criteria changing. What does the new report funded by Money saving Expert say https://www.moneysavingexpert.com/mortgages/mortgage-prisoners/

Why Landlords are selling up? Why there is a net reduction in available dwellings when stock transfers from the private rental sector to owner-occupation. How this will affect the rest of the market as well as the public's perception of the Private Rental Sector?

For more information about the Partners in Property Network meetings mentioned please visit www.partners-property.com

If you are interested in the 7 day Property Business Retreat please contact me  rod@incomethroughproperty.co.uk

As always a huge thanks to our sponsors www.signaturepropertyfinance.co.uk

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James has a depth of knowledge on all things to do with property and pensions.

If you think this is another sales pitch from a product seller about SSAS pensions then think again. James discusses the biggest mistakes he sees when people want to set up SSAS pensions.

James gives great insight into the tax advantages of different types of pensions for holding property in as well as the costs of them and at what point different types of pensions are viable for investing in property.

He goes onto to discuss GDCV's and how they can be used to allow your pension to own residential property,

How pensions can protect business owners from creditors

How to look at pensions as just a part of your holistic approach to your finances and long term plans

and lots more.

As always if you enjoyed the episode please share it and leave us a review.

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We then go on to discuss our investment picks for the last quarter of 2022 which include;

High Yield Emerging Markets Bond ETF

Gold

and

REITs

If you enjoy the show please do not forget to leave us a review it helps us in our rankings and to attract more guests.

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SUPR is a FTSE 250 real estate trust and the UK’s only specialist grocery property investor. Atrato have advised SUPR since it’s IPO in 2017.

Atrato sources, advises and asset manages all of Supermarket Income REIT's investments. 

Ben has over 20 years’ experience structuring and executing real estate transactions. He has completed more than £3.5 billion of sale and leaseback transactions with occupiers including Barclays, the BBC and Tesco. 

Ben qualified as a lawyer in 1997 and began his career at Wilde Sapte and Linklaters LLP. He left law in 2000 and has since spent his banking career at Barclays, Lloyds and Goldman Sachs where he was Managing Director, European Head of Structured Finance. 

In this episode we discuss;

Why there is a belief that Supermarket assets are a resilient and counter cyclical asset class?

How did the supermarket sector perform in previous recessions such as the GFC and what if anything may be different this time around?

Why investors would invest in Supermarket assets when they yield similar to UK Gilts?

SUPR recently fixed all its variable debt with an average period of 4 years and interest rate of under 3%. Fantastic! What would be some of the changes in the market you would want to see before SUPR moved some of that debt to variable rate or considered drawing down new debt without hedging?

Around 81% of SUPR’s stores have index-linked rents. Is it concern you that many are capped at 4% increases despite inflation numbers going above that?

Omnichannel Supermarkets seemed to thrive during the pandemic due to their ability to be adaptable. Is it expected that those gains made will return to pre pandemic levels?

Around 12% of grocery shopping is done online vs in person. Which is more profitable for SUPR’s tenants and is that 12% expected to increase or decrease in the short and medium term based on cost of living issues?

SUPR and British Airways Pension Fund hold a 50:50 stake in a JV which holds a 51% interest in the Sainsbury’s Reversion Portfolio. That portfolio is one of the largest in the UK with 26 stores. What advice would you give to businesses looking to position themselves as an attractive partner in a Joint venture?

What Ben thinks about grocery led shopping centres or retail parks for the future vs stand alone stores? What are the positives and negatives?

What are the biggest risks to this asset class currently and what are the key mitigants?

What are some of the most obvious similarities and differences around the world in Supermarket assets?

And lots more...

Find out more information about The Supermarket REIT (SUPR) here https://www.supermarketincomereit.com/

You can also find out more about Atrato Group here https://www.atratogroup.com/

Thank you to our sponsors of the episode www.signaturepropertyfinance.co.uk If you require bridging or development finance please contact tony@signaturepropertyfinance.co.uk and quote the Rodcast to get your legals paid for.

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Under his leadership they have invested £1 Billion of asset value into the UK and Europe combining research-led investment themes with vertical integration and in-house operating platforms.

Mike has a great way of explaining how he identifies sectors in the real estate market to invest in.

In this episode we discuss;

How did someone from the states working in M&A at Blackstone become an investment manager specialising in UK and European Real estate?

What's more important, investing with good management or investing into a good sector?

How he decides on what sector to invest in for example flexi office space?

How he sees different types of office investments performing over the next few years?

What metrics or data would he would need to see to change his mind?

How does the UK market differ to other markets?

When investing into real estate how long is he forecasting to be in the investment until it matures.

What has been the hardest thing about raising capital for investment and what advice would he give to people trying to raise capital?

What advice would he give to a young person looking to get into the property investment industry?

What is he bullish and bearish on?

What is the biggest risk to his portfolio and what is he doing to mitigate it?

What has been the biggest challenge in scaling his business?

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a family investment business, starting and scaling a property consultancy advising Blue chip clients on Real Estate deals.

In this episode we discuss;

How Paul fell into the Family Property Investment Business.

How that family investment business operated at the time and the type of assets they invested in and why.

How Property Investment businesses differed then to now.

The power of creating Capital uplift through asset management.

How he and his brother started a consultancy business helping Blue Chip clients on their real estate deals.

Some examples of how they saved these huge organisations £millions.

How working with larger institutional clients differed from investing in lower value property assets.

What advice he would give when working with family.

How the recession we are currently facing compares to the last one for Paul.

Did his and his brothers Oxbridge degrees in Engineering get put to good use?

What made him pivot from consulting blue chip clients to starting Nimbus Maps.

The toughest parts of scaling their business.

And much more.

You can find out more about Nimbus Maps here https://www.nimbusmaps.co.uk

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I was joined by Adam Lawrence and Manish Kataria for our Investment Mastermind for Q3 of 2022.

In these episodes we discuss the markets and then discuss what investments each of us are making in the Financial Markets.

As ever we discussed the current markets and how the economy, Inflation and Interest rates are and maybe will, affect them.

Topics include;

Terminal Interest rates.

How Bond yields correspond to Price to Earnings of some of the bigger markets.

Core Inflation vs Inflation including Energy and Food.

Sterling vs other currencies

Oil Prices

Central Bank views of short term pain as a price to pay for longer term stability.

Wage Price spirals in other periods of Inflation vs now.

Energy Caps

Tax Cuts

Bond Yields and their effect on Equities

Value vs Growth

Portfolio selection

This quarter our picks are as follows and you can listen to the reasons why;

Manish - Microsoft (Ticker MSFT) - from 26.00 minutes

Adam - Short on UK 5 year Gilt via shorting a bond ETF - from 37.11

Rod - Antofogasta (Ticker ANTO) - from 46.29

As ever we really appreciate any reviews on Spotify and Apple iTunes and we love to hear your feedback

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This Episode is Jam packed with info.

We discuss;

Charlottes background and why she co founded Netwealth.

Individuals relationships with managing money.

Property vs other investment options.

Benchmarking your portfolio.

Investment exposure and concentration.

The need for capability when focusing on direct investment in a specific asset class.

Volatility in the market.

The importance of liquidity.

Property vs Pensions invested in financial markets for funding retirement. 

Wealth management Fees and what investors should understand about them. 

The impact of reducing wealth management fees on your retirement.

In recent times its the markets that have performed and not necessarily the wealth managers.

Understanding the type of wealth advice you may need.

Importance of having no emotional attachment when investing.

How should people go about finding a wealth manager and questions to ask?

Common mistakes in family finances and Estate Planning.

If you would like to know more about Netwealth and the services they provide please visit https://www.netwealth.com

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In the episode we discuss;

Tony's Background in Finance and how he became a property Developer.

What happened to him in 2008

What he learnt from the Great Financial Crisis

What made him decide to start a lending business

What has been the hardest part of scaling a lending business

What he sees as the biggest risks to his business and what he is doing to mitigate them.

And lots more.

You can find out more info on Signature by visiting www.signaturepropertyfinance.co.uk

They also have an offer of free legals if you take any development or bridging loan and mention The Rodcast. Email Tony@signaturepropertyfinance.co.uk

For information about the 7 day Property business retreat in October in Lancaster please email me rod@incomethroughproperty.co.uk

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In this episode we discuss;

Grainne's background and how she came to be Head of Research at Zoopla?

How does data from the portals typically differ from the likes of Land registry and Office for National Statistics (ONS) data?

Benchmarking performance year on year can not give the clearest picture as the start point may have been in the pandemic but how is the market comparing to the longer term trends?

How have cities performed and what does the data show for their future vs suburban areas?

What data points are important when looking at forecasting House and rental prices?

The biggest risks to the housing market and what can be done to mitigate them?

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After a career in the corporate world of real estate at companies such as Cushman & Wakefield, PWC and Blackstone she met her other co founders and investors whilst doing he MBA at The London School of business and Immo was born.

In this episode we discuss;

Samatha's background in the corporate world and what helped to give her and her co founders the idea to start Immo.

What problems Immo solves and is it seen as an Asset manager or a tech company?

Why does Immo focus on Single Family Homes?

What has institutional money targeted in the past when looking at residential property.

How does the UK market compare to other residential markets?

How has Immo used tech to enable it to build portfolios of single family homes at scale?

And lots more.

For more information about Immo, how to invest with them or for any other information on what they do you can contact Samantha on email Samantha.kempe@immo.capital

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I was joined by Manish Kataria and Adam Lawrence on 21st June 2022 to discuss what is happening in investment markets.

Both guests have a wealth of knowledge about the economy, the markets and investment in various financial assets.

We decided to have a Quarterly Mastermind where we each pick an investment that is open to most people out there. Whether these are ETFs, Index funds, individual stocks or other financial instruments is up to the individual.

We give reasons for our investment choices and then the other members give feedback and concerns on each pick.

We are invested into these investment choices mentioned. Whether the choices will prove to be good in the long term, only time will tell.

Manish's pick - A US financials ETF (XLF) through an option to earn some premium https://www.google.com/finance/quote/XLF:NYSEARCA?sa=X&ved=2ahUKEwiH_46gmsT4AhXFiVwKHX7tC9UQ3ecFegQIHRAY

Adam's pick - Energy Sector specifically Oil and Gas through an ETF (IEO) https://www.google.com/finance/quote/IEO:BATS?sa=X&ved=2ahUKEwjGxLa2msT4AhU-Q0EAHYGxAyoQ3ecFegQICBAY

Rod's pick - An individual contrarian stock pick, Meta https://www.google.com/finance/quote/META:NASDAQ

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She is also the Author of the 2022 Build to Rent Report which you can find here https://business.homeviews.com/2022-build-to-rent-report/ 

In This episode we discuss;

Hannah's background in marketing and business and how she came to be a Co Founder of Home Views.

What were the biggest challenges in scaling her start up business.

How has the BTR market in the UK changed over the past 5 to 10 years.

What are the highest priorities from renters perspectives on new rental stock?

How does what Developers should include into a BTR development change from inner city to suburban sites? 

With BTR so highly rated by residents on HomeViews what are BTR developers getting right in terms of their end product?

What are the biggest mistakes you see BTR developers make in terms of their end product?

How important is the management of the rental properties vs the amenities for renters?

How do you see BTR increasing its market share in the UK PRS over the next few years?

What are the biggest risks to BTR developers and what can they do to mitigate that?

and lots more

The link to the BPF report mentioned in this episode can also be found here https://bpf.org.uk/our-work/research-and-briefings/who-lives-in-build-to-rent/

Once again a huge thanks to www.signaturepropertyfinance.co.uk for sponsoring the Rodcast. If you are looking for a Bridging or Development Product get in touch with tony@signaturepropertyfinance.co.uk and when you mention The Rodcast they will pay your legals!

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Paul was instrumental when Civitas had an IPO of the first social Housing specific REIT on the London Stock Exchange.

In this episode we discuss;

Paul's background and experience in running Housing Associations responsible for 25,000 plus homes 

His advice to residential landlords looking to scale their portfolio.

What was it that made him move on to join Civitas? 

Social housing and the different types of housing that the term encompasses.

What are the key metrics he looks at for the REIT and what metrics/ data is he finding that investors want to see now that maybe they were not as interested in 5 or 10 years ago?

What we're the biggest challenges in raising investment for the IPO?

How are they future proofing their current stock of housing?

Is there a concern about the increase in new rents in the PRS making a fixed rent for a longer lease period (as many social houses are) look to possibly underperform vs the rest of UK rental stock and cause even less supply to be considered for social housing? 

The majority of the Social housing stock they own is existing homes. Does he see Civil investing in more new build stock?

How does the social housing market in the UK compare to other nations and what can we learn from those? 

What does he feel some of the biggest risks are to the public and private social housing?

and lots more.

You can find more information regarding Civitas and their Social Housing REIT at https://www.civitasim.com

Once again a huge thanks to www.signaturepropertyfinance.co.uk for sponsoring the Rodcast. If you are looking for a Bridging or Development Product get in touch with tony@signaturepropertyfinance.co.uk and when you mention The Rodcast they will pay your legals!

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We discuss;

Jon's career in Business and property and the life events that brought him to becoming a Financial Advisor.

The mistake people make in focusing on financial products and wrappers and allowing them to be the tail that wags the dog. 

Where individuals should start in trying to plan finances for different stages of life, retirement and passing on. 

The various stages of retirement and what they mean for us as individuals and the finances that they require. 

Wealth creation vs Wealth use and is there any middle ground. 

Taking advice from those that are motivated by our decision to purchase financial products or invest into specific assets.

And lots more

We love to hear your feedback so please leave us a review on the platform you listen to podcasts on or at our website https://www.podpage.com/the-rodcast-property-business-investment/ where you can also subscribe to our newsletter

Once again a huge thanks to www.signaturepropertyfinance.co.uk for sponsoring the Rodcast. If you are looking for a Bridging or Development Product get in touch with tony@signaturepropertyfinance.co.uk and when you mention The Rodcast they will pay your legals!

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Dion is an Energy, sustainability and Carbon consultant for the Built environment who has been awarded by the industry awards for energy for his pursuit of energy performance to make peoples lives better.

In this episode we discuss the difference between carbon reduction, energy performance and improving EPCs, what they all mean and what can be done to improve on each of these in existing building and new builds. 

The UK energy market vs other markets. 

What are the issues with current energy legislation for buildings? 

Typical energy demands of residential buildings. 

Where the majority of energy is used in residential buildings. 

Gas supply in the UK. 

Gas substitutes. 

Insulation for reducing heat loss as well as reducing the chances of overheating. 

How roof colours and exterior types can improve overheating in summer. 

Cost benefit of energy performance for end users as well as property investors. 

Cost efficient fixes for existing buildings and new builds for improving EPCs and Energy performance. 

The importance of air permeability. 

How EPC assesors can assess. 

Different certifications of certain materials and how the certifications can differ in their scoring on EPCs 

Different types of Electric heating systems. 

Changes in the regulations.

Financing benefits of having better EPCs for developers and investors.

As always a huge thanks to our sponsors of the episode www.signaturepropertyfinance.co.uk If you are looking for a bridging or development lender please contact tony@signaturepropertyfinance.co.uk and mention The Podcast to get your legals paid for on any loan.

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We discuss how central banks and governments can telegraph their decisions in advance of them taking place. 

If lockdowns and restrictions are done is this good or bad for asset prices? 

How interest rates drive asset prices. 

How important do you think interest rates are for different asset prices? 

Do interest rate rises actually affect different types of inflation? 

Statistic manipulation and how inflation is calculated vs historical measures of inflation. 

Approaching building an investment portfolio of uncorrelated assets. 

What the majority of UK real estate is exposed to? 

Technology stocks, growth and value rotation. 

Passive vs actively managed funds. 

Options trading. 

And much more

You can learn more about Manish at www.investlikeapro.co.uk

As always a huge thank you to www.signaturepropertyfinance.co.uk for sponsoring this episode. If you have any requirements for bridging or development finance get. in touch with tony@signaturepropertyfinance.co.uk and mention "The Podcast" to have your legals paid on any Development or bridging loan.

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Kwasi Affum is a VP at Barclays as well as personally investing directly in property.

He has a brilliant way of explaining complex subjects and it is just a shame we didn't have 4 hours to talk.

In this episode we discuss;

Investing for wealth creation vs wealth preservation. 

The difference in strategies for investing at institutional level vs personal level. 

How Property as a business can often be a private equity play. 

How institutional money securitises the income of property. 

Property should not be seen as fixed income unless the portfolio is a significant size which is why indirectly investing in REIT's and funds can be better than direct investment if fixed income is desirable. 

Environmental trends and does the cost of ESG actually generate a good return. 

The office market. 

How the timeframe of investing into assets can change the market. 

NFTs and the metaverse- what they are and why might people want to invest in virtual land and property. 

How thinking about returns of an investment in relation to a risk free rate at different points in time is important.

and lots more.

As ever huge thanks to https://signaturepropertyfinance.co.uk who made this episode possible. If you require a bridge or development product then go direct to a very fast and flexible lender.

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We discuss how Paul founded C- Link, a platform that brings together all of your subcontract procurement into one Web App. Find subcontractors, manage your supply chain, create automated tender documents, compare prices, issue orders.

How hard has getting buy in from an industry that can seem to be old school or stuck in their ways and what tips would he give to other disrupting companies trying to break into the construction and development space. 

What have been some of the challenges in bringing C-Link to market and then scaling it.

How much of whats in the media relating to inflating costs of construction does he put down to labour and how much of it is materials? 

What advice would he give to Developers considering not using a main contractor and moving to a subcontractor route for the first time? 

What advice would he give to contractors in terms of being able to scale sustainably without compromising on quality? 

What does he feel are the biggest risks to developers and contractors in the current market? 

How does he advise developers and main contractors to vet contractors or sub contractors?

How has his podcast "Own the build" https://www.buzzsprout.com/1788151 helped his business?

And lots more

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We discuss;

Mikes background in business.

The venture capitalist market.

Challenges when scaling businesses.

Finding talent.

Portfolio construction.

Mikes advice to anyone looking at starting or growing pro-tech or finch businesses.

And lots more.

You can learn more about Crowd Property by visiting their website www.crowdproperty.com

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Hope you take some good bits of info from it.

The podcast is coming back with a bang from January 2022 with episodes every fortnight.

Happy Christmas

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In this episode Ben explains;

The background to T & B Capital and why he and Teddy Andrews moved from investment banking to form this Private Equity firm that focuses on operational real estate and asset backed businesses.

Why their investing style can be seen as defensive.

What they mean by cyclical investing and why they invest in certain industries.

Trends such as Healthcare and social housing.

The importance of good management/ talent and why it is key in scaling an investment business.

How his approach to investing would differ depending on the Capital they had at their disposal.

And Lots more.

You can find out more about T & B Capital and their portfolio or businesses here https://tbcap.co.uk

If you would like more information on the property business retreat mentioned in the ad please email me rod@incomethroughproperty.co.uk

As always a big thank you to www.brickflow.com for sponsoring the episode

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Main contractors going bust on a job.

Sub contractors not being paid on time.

Contractors having cash flow problems.

Developer not having evidence of what works sub contractors have been paid for.

Lenders not being happy with your choice of contractor due to their balance sheet or credit file.

Contractors and sub contractors not being able to win tenders due to their balance sheet, credit or cash flow not being strong enough despite being capable.

Contractors and sub contractors not being able to finance or factor invoices to improve cash flow.

Contractors not taking on jobs due to payment terms being too long.

If you have then you will want to listen to this discussion I had with Nisha Singh Co Founder of Transper, a fintech platform that provides liquidity and transparency in deep tier supply chain reducing costs and credit risk.

We discuss;

What is transper and how did Nisha and the team come to create it? 

Who are the different parties that can benefit from using transper and why? 

Some main contractors may not want their clients eg the developer knowing the prices they are paying sub contractors. What is in place to protect the main contractors? 

What value of contract is transper best used for? 

How much does transper cost the user? 

What have been the challenges in bringing transper to market?

And much more.

As always a big thank you to our sponsor for this episode www.brickflow.com - a comparison tool for development finance.

Check out more details on transfer here https://transper.io/transper/home/

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Julian’s experience has primarily concerned acting for corporate & private operators, banks, institutions and funds in the valuation, acquisition and disposal of trading care homes, specialist (acute) care homes, hospitals, day centres, medical surgeries, investments and C2 development sites throughout the UK & Europe. Further work has included that of care villages, retirement apartments and day nurseries.

In addition to his work for Knight Frank, Julian is also a Governor of Great Ormond Street Hospital and a trustee to several high profile charities. He is also one of a handful of people to reach the summit of Mount Everest and make it back to tell the tale.

Julian also personally received the Health Investor Power Fifty Grand Prix Award, voted by his peers, as the most influential person in healthcare.

In this episode we discuss

The different types of Healthcare Real Estate.

How healthcare assets typically fit into institutional and individual investors' property portfolios and how that has changed over the last 20 years and how Covid impacted these trend changes.

What is happening in the healthcare real estate market now and what landlords and investors should have their eye on for the future.

What is the biggest risk to Healthcare real estate currently and what can investors and landlords do to mitigate that.

Is the Supported living trend with developers justified.

Will healthcare take up a bigger proportion of real estate in the UK market due to an ageing population.

How does the the UK Healthcare industry compare to other Healthcare markets

And a whole lot more.

Please do subscribe to the Podcast and share it if you find it useful.

If you have a requirement for development finance please do not forget to check out www.brickflow.com the fastest way to get development finance!

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Well duh but as investors it is your job to forecast this as investing is about future income from the assets we invest in.

I welcomed back Adam Lawrence back to the show to discuss just how important forecasting is.

Not only has Adam bought over 400 properties in the last decade but he has a background in wealth management as well as being a fantastically educated investor.

We discuss;

How investing in Buy to let properties has changed over the last 20 years

Ways in which to add value to Buy to let investments.

How associated costs with buying a Buy to let property in a ltd company can add up.

How important capital values are for total returns.

How important time frames are when looking at investment opportunities

What we look for when forecasting.

Various metrics we use.

How illiquid property is and the positives and negatives of that when forecasting.

The different types of property markets based on location, property type and tenancy type.

How riding a market and beating a market are very different.

Comparing investment opportunities in terms of markets, industries and assets.

And lots more.

Big thanks to www.brickflow.com for sponsoring this episode. If you are looking for development finance I highly recommend them.Have lenders bid on to lend to you all in one place rather than approaching lots of different ones.

If you are interested in the Boardroom Club or the Property Business Retreat that myself and Adam host please email rod@incomethroughproperty.co.uk

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Barak explains brilliantly the way in which the business utilises data to capitalise on trends such as urbanisation as well as how they add huge value to landlords assets. This really was one of my favourite episodes with so much fantastic information given by someone who thinks about the business in an incredibly thoughtful way.

He also discussed;

What does Reef Technology do and what is their role in real estate?

How are they able to add value to car parks?

Some of the different types of real estate they operate in.

Will the pandemic have changed the trend of urbanisation.

Challenges in growing the business in the UK and Europe.

What the most important metrics are in terms of looking at the businesses performance.

Advice for people looking to join a start up.

https://reeftechnology.com

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Today James operates a business that turnover roughly £13 million a year which includes leisure, childcare, outdoor attractions, a soft toy business as well as an ice cream company.

Highlights:

[01:44] What James’ Businesses Journey Look like

[05:59] What are the main challenges in scaling a business from £100k turnover to £1million and how do these challenges differ from going from £5million to £10 million turnover?

[ 08:14] What is the hardest thing about raising money?

[16:37] Deciding between Reinvesting Profit, Starting a new business with it or Distribute to Share Holders?

[18:27] Does his investment Philosophy Change regarding Trading Operational Business Vs. investing in the Real Estate

[22:05] What are the most important metrics James looks at?

[29:50] How Seasonal his businesses are and what he does to mitigate it?

[32:22] The Biggest Risk in the Business

[34:02] The Kindest Thing anyone has done in James’ Business

Links:

Website:         https://jamessinclair.net/

LinkedIn:         https://www.linkedin.com/in/jamessinclairpartyman

Youtube:         https://www.youtube.com/c/JamesSinclairEntrepreneur

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Daryl is a Director of Lendwell and has had a long career in banking with Barclays and Shawbrook and is a wealth of knowledge on all things Lending.

In this episode we discuss;

With inflation still below the 2% target is a rate rise likely?

The difference between Banks and Lenders.

How the P&L of a loan/ mortgage works.

Why different types of lending platforms can increase risk.

How lenders price risk and how that has changed.

How interest rates affect mortgages.

The different costs associated with mortgage and lending rates other than BOE interest rates.

The different types of Development loans and which are more affected by rate rises.

Other concerns for developers.

When and why interest rates may increase.

House price growth or negative growth.

The property market and affordability and how the banks are regulated to how much of their loan book can be stretched above affordability.

Wage inflation and rent growth.

How much debt is there in residential property in different areas and how will those areas be affected by a rate rise vs others.

How the tenant type of investment properties may be affected by rate rises.

Price disparity between London and other parts of the country and why that matters.

How Bank Of England looks at House prices and their importance on the economy.

When and why property owners may crystallise losses.

Why timing the market is important when leverage in concerned.

...And lots more...

Knight Frank sighted the below report from the BOE and said "A one percentage-point increase in rates, “all else equal, reduces house prices by around 2% to 11%, with the majority [of analysis] suggesting a drop between 6% to 9%.”

https://bankunderground.co.uk/2019/09/05/houses-are-assets-not-goods:-what-the-difference-between-bulbs-and-flowers-tells-us-about-the-housing-market/

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Highlights:

3:13 What resonance does and what it is for?

6:38 Presenting of new funds on investors

7:15 Difference between homelesness fund and housing associations

12:27 How impact investing has changed in the last decade.

14:45 Resonance's Investor Profile

21:14 Considerations on investments and underlying assets

22:26 Asset management and challenges with managing so many units

25:30 Choosing partners carefully

33:09 Delivering capitals in the right way

40:34 Advice to landlords on managing a residential portfolio

Link:

Connect with Connell in LinkedIn: 

https://www.linkedin.com/in/connellgrogan

Visit the website:

https://resonance.ltd.uk/about/our-team/connell-grogan

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Julie Ford, the founder of Gothard Rowe Landlord Services, has 25 years working in property management as well as working for citizens advice and has experience of Tenancy issues and Universal Credit from both the Landlord and Tenant side. She now helps Landlords that have difficult tenants and those having issues with rent arrears. 

In this episode, Julie explains how universal credit works for both the tenants and landlords and she explains the things that a landlord should consider especially if their tenants are using universal credit and those having difficulty paying their rent as well as other tenancy issues such as antisocial behaviour.

Listen to this podcast to be informed of how universal credit works and how to handle difficult tenants. 

Highlights:

2:50 Background of terms such as Universal Credit, DSS and council tenants.

6:36 Misconceptions of Universal Credit 

7:50 How Universal Credit works for the Tenants and Landlords

9:51 How easy or efficient is Universal Credit when paying to the Landlords

12:41 What landlords should consider when taking new tenants that receive universal credit

14:26 What impacts Universal Credit and its housing benefits

16:16 Joint claim on universal credit and how it affects the tenant

17:20 Advice for landlords that face issues with universal credit 

18:38 Common issues with Universal Credit for Tenants and Landlords

19:47 Importance of Tenant and Landlords' Communication

26:32 Biggest failing in the PRS  

28:59 Other options available for the Landlords aside from Universal Credit

36:09 Working with Landlords who have tenants in arrears

Links: 

Connect with Julie on LinkedIn: https://www.linkedin.com/in/julie-ford-hlpa-35782448

Visit the website:

https://www.gothardrowe.com/

hspn.uk

Send your email:

advice@gothardrowe.com

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In this episode, we will be joined by Ian Humphreys, co-founder, and head of Brickflow ―the very first online search engine for development finance in the UK. Ian will highlight the importance of having Brickflow to make the financing experience better and efficient through connecting borrowers and lenders efficiently without replacing real agents in the industry. 

Listen to this podcast to be informed of the new and efficient way of financing developments in the digital world!

Highlights:

●      Ian's background in finance and what led him to start Brickflow.

●      Efficiency of finding a lender through Brickflow

●      Keeping equity required for deals low and debt to the minimum rate

●      Term financing and exits.

●      Institutional investors in the market.

●      The cost of equity vs the cost of debt.

●      Are brokers becoming redundant?

●      Changing yields from residential properties.

●      Build to Rent Opportunity

●      Opportunity for developers in the current market

●      Digitizing processes to adapt to the changes online

●      Why now is a great time for SME's to compete with the bigger boys.

●      Technology as aids to easier and time-saving processing

●      Challenges of online search engines for development finance

●      Biggest risk of the business and how to mitigate it

Visit website:

Brickflow.com

propertyfinancegroup.com 

The Development Finance Search Engine | Brickflow.com

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Adam tells his story in episode 14 so make sure you have listened to that episode.

We look back over the past 12 months and what we discussed previously in episode 23 at the start of the pandemic as well as looking forward and discuss;

Sdlt extention. 

What's made his mind change in terms of an inflation outlook. 

QE and where has the money flowed to and what does that mean? 

Household debt. 

Are we in a stock market bubble and how is that measured? 

Similarities to the dot com bubble. 

Characteristics of a bubble. 

Tech stocks and how they corrected in the past. 

What should the government be investing in?

Infrastructure spending. 

Climate change and green energy spending. 

EPC plan to get to C and above. 

Solar subsidies of the past. 

Productivity, population and labour market. 

The developed world baby bust and rate at which people are having babies and how that affects labour market. 

Effects on housing. 

How capital expenditure is needed to keep up with productivity. 

What can improve the quantity and quality of the workforce?

What can improve the quantity and quality of assets? 

Infrastructure spending. 

Space per person in a household. 

City living and work from home. Has the novelty worn off of WFH?

Desk space per worker. 

Unemployment statistics and the values of jobs lost. 

How does the type of unemployment affect specific markets?

What can the government do to lower their debt value without inflation going out of control?

How taxation policies may lower the tax take but be political vote winners? 

How property behaves as a leveraged equity but has utility in line with commodities and how that may affect residential property outlook? 

How uk housing is currently affordable? 

How growth vs value assets behave out of recessions? 

Why looking at total returns can be better than yield and how volatility in prices affects different areas?

Traps for investors chasing cash flow?

Investment opportunities going forward?

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VAT can make significant differences to your net returns which is why we need to be educated and knowledgeable about it.

In this episode, Jane Deeks, a VAT specialist from Bell Howley shares her expertise on VAT, its downside and even benefits. Jane will also share the benefits of VAT groups for specific property related activities and goes into detail using case studies of where property investment and development businesses have structured their activities to benefit from VAT.

Key Takeaways: 

01:00 Reasons for joining VAT group/ Who  qualifies?/ Is it good to consider VAT groups? Why is it useful for property development?

04:22 VAT Exempt Supply and Zero Rated Supply and where it applies

05:27 General rules of VAT

06:43 De minimis rules/ Limit in VAT

07:20 Buying property and putting it into vatable business

08:42 Properties to consider that have VAT opportunities

10:00 Partial exemptions calculations and threshold

14:00 Purchasing a new site with Zero VAT supply

19:30 Converting commercial buildings to residential 

22:00 VAT on Commercial Properties

43:59 Ten year zero VAT rating for residential properties

44:09 Reclaimed VAT

Links:

jdeeks@bellhowley.com

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Please click on the below links to see the properties we discuss and which auctions you can bid for them in.

Lots and the opportunities and risks we discuss;

HSBC Sudbury 

How and why tired commercial landlords are starting to sell stock and the opportunities that presents.

South Kensington short lease

Short lease properties and what happens once the long lease runs out.

The hype around the proposed marriage values and leasehold reforms.

Coventry Shopping Centre

Commercial ground rents that are based on revenue.

Starbucks 

Blue chip high street tenants and how some investors are making Long term decisions based on short term issues.

Structures of leases with PLCs, franchisees and landlords

Santander Wallington 

Santander Chingford

Investment with development potential and how timing can change the value

Please subscribe to make sure you don't miss out on any of the upcoming episodes

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He is the former founder and CEO of one of Europes best performing Hedge funds in the great financial crisis, WDB Capital.

He is now the Chief executive of Ludgrove Property a research firm for buyers in the Prime Central London Property market (PCL) providing research for UNW and institutions.

Ludgroves research on The PCL market really does blow all other research and analysis out of the water in terms of detail. I was in data heaven.

In this episode we discuss

1. Introduction to Ludgrove    

2. What are the key Attributes of Prime Central London (PCL)   

3. Context: How Far Has The Market Fallen Since 2014? 

4. Is the 2014-20 PCL Recession An Anomaly?  How does it compare to others

5. Is PCL Cheap? What are the factors/ metrics used to determine this. 

6. What’s The Outlook for PCL?

7. What Areas Look Cheapest?

For more information on Fraser and his company Ludgrove property please visit https://www.ludgroveproperty.com or email info@ludgroveproperty.com

If you enjoyed the Rodcast please do not forget to leave us a review on iTunes and to subscribe and follow the podcast on the podcast platform you listen to for free so that you don't miss an episode.

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In 2016 he left Douglas and Gordon as Executive Director having helped grow the company considerably, to co found an outsourced viewing service - Viewber.

In this episode we discuss;

How scaling a Prop Tech company differed from scaling the estate agency business?

How instrumental PR has been in allowing Ed to grow businesses?

How this recession differs to previous recessions?

What changes made Ed leave the Estate Agency industry to start Viewber?

What have been some of the challenges in providing additional services in viewer such as inspections?

And lots more.

You can learn more about viewber here www.viewber.co.uk

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The Due Diligence we would perform,

What traps we feel may lay ahead for potential buyers,

What opportunities specific lots bring with them.

This episode is jam packed full of really helpful tips when buying at auction so grap a pen and jot down some notes and follow along by clicking on the below links of each Lot.

We discuss

Why different types of investments will suit some buyers but not others.

The price people will pay for security of income.

Land development opportunities.

Commercial Leases

Developing in low value areas.

Developing in High value areas.

Insolvencies.

Land locked properties

And much more.

Lot 3 Allsop Commercial auction 9th December 2020 

https://auctions.allsop.co.uk/lot-overview/freehold-tyre-depot-investment-in-braintree/c201209-035?searchid=g83YBhyIc5XcuyBbCa70Gs6tbMWFGYqA2R%2FJlw3d3hw%3D&idx=2

Lot 1 and 2 Allsop Residential Auction 17th December 2020

https://auctions.allsop.co.uk/lot-overview/vacant-freehold-site-and-garages-in-tidworth/r201217-117?searchid=hX3Xpp0EgUk2YdUTR8ch%2FRyqnrLE1FF10jQhxuGi6Y4%3D&idx=0

Lot 96 Mchugh and Co Auction 1st December 2020

https://mchughandco.com/Auctions/Details.aspx?aid=1121&pid=8e965356-dcf9-449d-8a77-9121f96fc062

Lot 63 Auction House London 9th December 2020

https://auctionhouselondon.co.uk/lot/?lotID=121333

Lot 4 Acuitus Auction 10th December 2020

https://www.acuitus.co.uk/property/4021/

Lot 90 Allsops Commercial Auction 9th December 2020

https://auctions.allsop.co.uk/lot-overview/virtual-freehold-shop-investment-in-bromley/c201209-061?searchid=g83YBhyIc5XcuyBbCa70Gs6tbMWFGYqA2R%2FJlw3d3hw%3D&idx=89

Lot 75 Allsop Commercial Auction 9th December 2020

https://auctions.allsop.co.uk/lot-overview/town-centre-freehold-restaurant-residential-investment-in-windsor-/c201209-087?searchid=WjcRsyrFrqScHL4PUBYdYsdREcKjcEQeEVxZhszQcwg%3D&idx=73

Lot 135 Allsop Residential Auction 17th December

https://auctions.allsop.co.uk/lot-overview/freehold-pair-of-semi-detached-cottages-holiday-lets-with-off-street-parking-and-rear-garden-in-chichester/r201217-297?searchid=hX3Xpp0EgUk2YdUTR8ch%2FRyqnrLE1FF10jQhxuGi6Y4%3D&idx=134

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As Head of Fund Capital Markets at Patrizia, a global real assets manager with over £47 billion of real estate globally. Allen is responsible for all discretionary and non-discretionary funds. Allen and his international team ensures each fund is fit for purpose including strategy, regulation and marketing plan for each region around the world. 

In this episode we discuss the path Allen took to get to this position at one of the biggest Real asset managers in the world. 

Background as to what Patrizia does. 

The changes in institional investors appetite to residential property. 

Alternative residential asset classes. 

How institional investors have the power to make markets. 

Institutional property investment and the effects it has on the PRS. 

Differences between rental sectors in different markets and countries. 

Structure of institutional property portfolios. 

Some of the differences between "affordable" housing accross Europe. 

Legislation changes such as rent freezes and abolishing no fault evictions and the effects these have on markets. 

What factors Allen looks for when deciding whether or not to invest in residential housing in a new market. 

Differences in investment strategies between direct and indirect investors. 

And much more. 

For more information on Patrizia and what they do please visit https://www.patrizia.ag/en/

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With all the negative media attention that leisure property and the high street are getting this really is a fascinating discussion about some of the opportunities for real estate owners and operators to work with this exciting growing industry.

In this episode we discuss;

What is the Esports industry?

The competitive social trend that is gaining traction.

The sheer size of the Gaming industry and what Esports looks like within that.

Different demographics of Esports and Gaming industries.

Types of real estate that can benefit from Esports and Gaming.

What the forecasts are for UK growth.

And much more.

You can find out more about Andy and see his regular insights into this industry here https://www.linkedin.com/in/andy-fahey-6411592

If you enjoyed this or any other of our episodes please do leave us an apple iTunes review https://podcasts.apple.com/gb/podcast/rodcast-property-business-investments/id1479224466

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He tells a cautionary tale of how he lost a £120million prime London portfolio in 2008 and the struggles involved in getting over it. An inspirational story from someone who has learnt the hard way and battled their way through the tough times to get back to success. 

In the episode we discuss;

How he started in property flipping flats in South West London. 

Why he scaled up into the high value prime London areas. 

How he raised finance for the deals he was doing. 

What happened in 2008 and how it affected him. 

How the banks feelings changed toward him. 

The misselling of bank swap rates. 

What some of the lessons he learnt from the crash were. 

The impact of it on him personally. 

How he stayed positive and motivated to build up a business again. 

What he did different the next time around. 

His thoughts on the current prime London Market. 

Some of the projects he has been involved in recently. 

His advice to other who are scaling their portfolios. 

And a lot more...

You can find more info on Paul and some of his projects by visiting https://paulroshan.london/

If you enjoyed the Rodcast and found it of value please leave us a review here https://podcasts.apple.com/gb/podcast/rodcast-property-business-investments/id1479224466#see-all/reviews

If you would like to know more about Rod Turner the host of the Rodcast Please visit his website www.incomethroughproperty.co.uk or you can email info@incomethroughproperty.co.uk

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A company specialising in insolvency advice, finance raising, administration, CVA, distressed real estate portfolios and addressing fractured lending facilities, as well as providing directors of struggling businesses with positive strategic advice. 

Alex is incredibly knowledgable on a wide range of business subjects and really drove home the point that as business owners we can often benefit from an outside perspective of our organisations especially where we may feel under pressure.

In this episode Alex and I discuss;

Some of the terminology surrounding insolvency.

The options open to Directors and Business owners who are facing financial difficulties.

Some common mistakes that people do when their businesses are struggling.

Examples of when businesses have not been aware of options open to them in order to save their business.

What to do if you feel that your business may face a period where it could face insolvency.

Some truths around insolvencies and why there are more insolvencies in a buoyant market.

and much more.

If you would like to know more about Alex and Leonard Curtis and the services they offer please visit https://www.leonardcurtis.co.uk. I would highly recommend you speak to them if you are concerned about your businesses future in light of current events.

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Some of the points we discuss in relation to the below lots are;

Commercial to residential developments

Shopping Centres

Rent Charges

Permitted Development Opportunities.

Adding additional units on top of a building.

Commercial tenancies

and lots more.

The lots we discuss are

Lot 47 Allsop Commercial Auction 3rd November 2020

https://auctions.allsop.co.uk/lot-overview/freehold-shop-residential-investment-in-london/c201103-018?searchid=vPAdiEG98Mt41Tv5pNWUK4aJxn%20%20gs%2FTYGKjeFk%2FPsw%3D&idx=46#description

Lot 80 Savills Auction 3rd November 2020

https://auctions.savills.co.uk/index.php?option=com_bidding&view=commission&layout=details&id=1155

Lot 6 Acuitus Auction 28th October 2020

https://www.acuitus.co.uk/property/3962/

Lot 62 Auction House London 27th October 2020

https://auctionhouselondon.co.uk/lot/?lotID=117245

Lot 92 Auction House London 27th October 2020

https://auctionhouselondon.co.uk/lot/?lotID=117247

Lot 36 Allsop Commercial Auction 3rd November 2020

https://auctions.allsop.co.uk/lot-overview/freehold-restaurant-residential-investment-in-horley/c201103-076?searchid=buFfldk7HOHzxhmswKmQD4kUrxN9ZcCM5GklYoMGkYQ%3D&idx=34

Lot 12 Barnett Ross Auction 28th October 2020

https://www.barnettross.co.uk/property.php?id=4871942

Lot 20 Acuitus Auction 28th October 2020

https://www.acuitus.co.uk/property/3991/

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There are so many interesting points in this case study including;

Creating new titles in a development and when you may want to consider it.

What happens when you exchange on a purchase half way through incorporation.

Options in terms of financing.

Communicating with all the different professions involved.

As always Simon, Amanda and Andrew give some great insight on different options that were open to the client and the reasoning behind their decisions. A must listen for anyone growing a portfolio of properties.

If you would like any tax or legal advice please contact the team www.bhptax.law and don't forget to mention the Rodcast.

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Leanne is a qualified commercial surveyor and has worked with some of the biggest UK Landowners as an Asset Manager specialising in Retail and Leisure

We discuss;

The broad range of retail property.

How Brand and customers loyalty is more important than ever for retailers.

Some examples of retailers who have got it right... and also some that didn't.

How lease terms and structuring of rents is set to change in retail and what that can mean for the sector.

What some of the things that retail landlords should be looking for from their retailers dependant on the type of site and its location.

The importance of community engagement.

Recent announcements on potential changes to business rates

and lots more

You can subscribe and listen to Leanne's podcast, Retail is dead here https://podcasts.apple.com/gb/podcast/retail-is-dead/id1521918776

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In Just 2 years Glenhawk has managed to grow into a hugely successful company having secured funding lines from the likes of Shawbrook Bank and JP Morgan as well as getting registered with the FCA.

In this episode we discuss;

What made Guy pivot from Developing to starting Glenhawk.

What were some of the challenges in terms of raising finance from the big banks.

What other challenges there have been scaling Glenhawk.

What does a typical client/ deal look like for Glenhawk.

What parts of the business takes the most attention from Guy.

How Covid-19 has affected business.

Outlook on the property market.

And much more.

You can find out more about Glenhawk by visiting https://glenhawk.com

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As always the sheer volume of useful information that Simon and Andrew provide is sensational. Some of the discussion points we include in this episode are;

Traps for people setting up spvs and selling the spv.

Benefits and disadvantages of company ownership or personal ownership.

What happens if you have a trading company with property in as trading stock but then you have to hold the properties and rent them out and vice versa.

Different issues on different types of taxes in terms of investment and trading companies holding property.

When does selling property go from creating a capital gain to income for tax purposes.

Vat tax traps for developers who end up having to hold property.

Carrying losses forward or back being lost when having to hold property and turning trading activity into investment activity.

Tax benefits for investors investing into developments. 

Structuring shares for JVs

Tax benefits of loaning to developers from an off shore trust if they are short term loans rather than longer term loans. 

Benefits of charging interest on your directors loan. 

And lots more

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In this episode we look at what could be in store for UK House Prices and some of the reasons why.

Some of the things we discuss are;

Disposable incomes

Relationship between House Prices and the stock markets.

Metrics to measure the economy and what they looked like going into the Covid 19 crisis.

Is looking at the discounted future free cash flows still a good way to measure assets?

How this situation and the economic environment differs to 2008, the great depression and Japan in the 90's

How credit and /or asset bubbles are usually present prior to a recession but not this time.

Government, corporate and consumer debt and what they look like in the UK.

Banks and how healthy they are in the UK.

Inflation and its different types and why financial asset prices can inflate when CPI does not.

And a whole lot more.

You can find out more from Manish on his website www.investlikeapro.co.uk

There is also an article I wrote last month on Inflation which may be of use https://incomethroughproperty.co.uk/blog/f/covid-19-house-price-outlook

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What are the most common forms of Trusts.

What are the tax implications to capital gains on the setting up of different types of Trusts?

How do different taxes such as CGT IHT and Income tax differ between different types of Trusts?

What are the ongoing costs of different types of Trusts?

How might the structure of ones property business affect which type of Trust one might use?

Utilising pensions within a Trust

Engineering the type of shares that go into different types of Trusts (in terms of voting rights, rights to income and rights to capital)

Putting assets into a Trust vs shares in a property business

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As always I am joined by Action specialists Piotr Rusinek & Jay Howard as well as the formidable Ranjan Bhattacharya

If this is your first time listening to our Auction Preview we each pick 2 lots from the upcoming Auctions and discuss the opportunities and risks associated with each one.

It is a bit of fun and we hope you get some insight into how we look at potential investments in the auctions.

Some of the lots we discuss include topics such as;

Permitted Development

Local Housing Allowance

Punts in a recession

Garage developments

Commercial leases

Funeral Homes

Grand designs

Lots are taken from;

Savills Auction on 12th May https://auctions.savills.co.uk/Auctions/LotList?aid=1127

Auction House London 6th May https://auctionhouselondon.co.uk/current-auction/

Allsops Commercial 19th May https://auctions.allsop.co.uk/commercial-auction-view

Best of luck if you are bidding.

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Amanda Perretton, Sandra Rankine and Edward Jones have over 70 years combined experience in commercial property. Not only do they act for the Landlord but also for occupiers in all things related to the tenancy as well as litigation, so I knew it would be an invaluable opportunity to discuss, in a very frank and pragmatic way, what the Coronavirus Act 2020 means for Commercial Landlords and Tenants....

I was not disappointed

Some of the topics we discuss include;

What does the Coronavirus Act 2020 mean for Landlord’s with a portfolio of commercial properties?

What is the impact of the legislation changes to statutory demands and winding up orders?

Is the right to forfeit stayed until 30th June 2020 completely?

What does a Landlord have in their armoury if the Tenant is not entering into communication/ negotiations?

Is this a rent free period?

Can I lodge an application to repossess my premises/property?

Is this a good time to renegotiate my Commerical Lease?

I can’t afford my rent on my unit, how should I approach the Landlord?

Does my Lease protect me against the Landlord repossessing my premises?

Should you have any matters you would like to discuss with Amanda, Sandra and Edward then feel free to contact them here https://bellhowley.com/the-team/

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He has spent over 28 years in the legal field helping landlords with problem

tenants.

In 1999, he set up Landlord Action to put this expertise to good use, specialising in fixed-fee

property recovery and tenant eviction in England and Wales. He has acquired a reputation as

“The Landlord’s Friend” having co-written two books with fellow property expert, Kate Faulkner,

to help landlords manage their properties.

Paul travels the country speaking, giving advice and carrying out regular seminars to landlords

and letting agents. In November 2019, Paul won ‘Best Seminar Speaker 2019’ at The National

Landlord Investment Show Awards, after receiving nearly 40 percent of the overall votes.

Paul believes passionately in the rights of landlords and campaigns tirelessly to improve

standards throughout the private rented sector. Paul was invited to give evidence to a cross-

party Parliamentary Group on the private rented sector in relation to retaliation evictions as part

of The Deregulation Act 2015.

As part of the ‘Fair Possessions Coalition, he has also been an active participant in government

consultations on the topic of speeding up the eviction process, abolishing Section 21 evictions

and housing court reforms and is also on the advisory council for the Property Investors Bureau

to regulate the property education sector.

Paul regularly appears in the national press, radio and television. He has appeared in

numerous productions most recently featuring regularly in "Nightmare Tenant, Slum Landlord on Channel 5.

In this episode we hear about;

How Paul started Landlord Action from leaving school with no qualifications.

Why he felt there was a gap in the market for fixed fee evictions.

What he feels Landlords need to be aware of now more so than ever.

His thoughts on Universal Credit and why there may need to be more understanding from Landlords.

How he sees residential properties and Landlords being affected by the current environment.

Challenges he had in scaling the businesses he has been involved with.

How his passion still keeps him focused.

and some great resources such as

https://www.landlordzone.co.uk/

https://www.landlordaction.co.uk/

https://universalcreditadvice.com/

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After a masters in real estate Robert jumped into the family business and at the age of 31 he has done an incredible job over the last 7 years of tripling the size of the business. The business was awarded in the European awards for 1500 fastest growing businesses in 2016.

Today, Lamington group has a significant asset holding and continue to actively source schemes where value can be added through planning and development.

​

The group has a particular focus on expansion in the extended stay sector which is the fastest growing segment of the UK's hospitality industry, with a design and experienced led hometel brand, room2.

Some of the things we discuss are;

The dynamics of working in a family business.

Risk profile and what he felt was the right level of debt for parts of the business and why.

Adapting a development business into residential lettings and then into Serviced Apartments, Homelets and Apart Hotels.

What metrics he likes to monitor to check the performance of the business.

How the Hotels side of his business has adapted in the face of Covid-19.

Some of the different things to concentrate on whether owning the hotel building or taking it on on a 25 year lease. (Something their company does both of)

And lots more

You can find more info on Robert and his fantastic business here https://www.lamingtongroup.com

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As part of our tax series we give an overview of Inheritance Tax Planning which includes;

Transfers of Value

Main exemptions

Lifetime transfers

Gifts with reservation of benefit

Lifetime exemptions

Business property

Planning tips

and lots more.

Simon also mentions an article he wrote which can be found here https://www.linkedin.com/pulse/can-i-save-inheritance-tax-giving-shares-my-company-ata-afa-mipa/?trackingId=j%2BC9HUCpTR%2BR1puNUUaKzA%3D%3D

If you haven't already listened to the episode on Section 24 mitigation and estate planning then its definitely worth giving that a listen on episode 22.

For more info on anything tax related you can contact Simon and Andrew by emailing itp@bellhowley.com

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We flipped things round so Adam hosted the discussion and did a tremendous job too.

As a reminder;

Kwasi Affum was on episode 11 and is a banker at Barclays, specialising in Risk Management and also invests in property.

Adam Lawrence was on episode 14 and previously worked in wealth management and is a portfolio holder of residential properties and bolt on businesses.

Rupesh Tailor makes his first appearance on The Rodcast. Rupesh has been and analyst and investor in the high yield market since 2001. He is the CEO & founder of Everest Research, a research company that specialises in distressed debt and the whole capital structure of businesses and provides truly exceptional reports to Hedge Funds and institutional investors on a range of investment options. You can find out more about them here https://www.everestresearch.co.uk

Some of the questions we discuss are;

What do you see happening to people's Disposable incomes?

Do you see any costs of living increasing over the next 12 months?

How do you think oil will impact the economy over the next 2 years and how have this week's events influenced thoughts on deflationary risk versus inflationary/hyper/stagflation?

How do you think the £ will fare against the euro and dollar

At what point do you think inflation will start (if at all) and will it just be on the costs of goods and services and when do you think economic growth will pick up.

Local Housing Allowance (LHA) rates have gone up meaning yields for investment properties have increased at the lower end of residential property, possibly providing a floor.

Over 50% of residential properties are owned outright and help to buy has been extended. What do you think will happen to house prices in general and do you think the above points provide a floor to any price drops.

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Section 24 and Estate Planning are incredibly high up on probably every property portfolio holders thoughts and who better to speak to about them than a top Tax QC Andrew Thornhill and the Managing Partner and tax specialist of Bell Howley, Simon Howley.

If you have ever considered that section 24 may affect you or even you have put things in place already but you are not sure how they may affect your estate planning then this episode should provide some brilliant insight for you.

You will want a note pad for this one. Some of the topics we touch on are;

What is Section 24

The difference between a partnership and a Limited Liability Partnership (LLP)

Incorporation

Different types of exits

SDLT relief on incorporation

Capital Gains issues

Distributing capital and income

Growth and Income shares for inheritance purposes

Business Property Relief

Incorporation Relief

Mortgage companies

Beneficial Ownership

Corporate Partners

Trusts

Holding companies

Trading companies and the balance of capital between them and investment companies.

School fees when incorporating.

And a great deal more.

For more information or to book a call with Simon and Andrew please email showley@bellhowley.com and let them know you heard them here

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Siam Kidd has been a successful trader for many years. Specialising in currency as well as owning several businesses he gives some strong reasoned views on what he feels is coming in terms of the economic environment and what types of assets and investments will be at risk and where opportunities may lie.