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Jo Seth-Smith is the Investment Manager at Olim Property https://www.olimproperty.co.uk/index.html an FCA regulated property investment manager of UK commercial property portfolios, whose Funds Under Management total is approximately £1 billion with individual discretionary mandates for pension funds, investment trusts and Oxford colleges.
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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Our Quarterly Investment Mastermind with Manish Kataria and Adam Lawrence kicked off with a brief discussion on the performance of some of our previous investment picks and the current investment environment.
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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Saknas det avsnitt?
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In this episode I am joined by Richard Nicholls who has a fantastic knowledge and track record in the sales market of HMO properties. We also discuss the HMO market and what HMO owners can do to maximise sale values.
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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In this episode I am joined by Planning Consultant Lorenzo Pandolfi from https://logic-planning.com/ to talk about the current state of the UK's Planning System.
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 [email protected] 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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In the last 5 years we have had Covid, Trussonomics, Market volatility, been paid to stay home, inflation and the fastest increases in mortgage rates for 100 years.
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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I was delighted to welcome back Paul Higgs to the Rodcast.
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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Richard Berridge CEO of the UK Single-Family Association SFA https://uksfa.org/ has over 40 years experience in UK Residential Real Estate.
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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Adam Lawrence joins me in this episode to discuss Joint Ventures and the mistakes people make as well as due diligence and some info on M&A in SME property businesses.
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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Joined again by Adam Lawrence and Manish Kataria we each pick a specific investment that anyone can do in their ISA or pension and explain the reasoning behind it.
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 [email protected]
For information about finance for property investors regarding mortgages and development& bridging loans please contact our sponsors 978 finance [email protected]
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I spoke with Daryl Norkett the Head of Real Estate Proposition at Shawbrook Bank, one of the biggest Buy to Let and property investment lenders to discuss how mortgages work from the banks point of view.
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 [email protected] our sponsor who has done an amazing job of financing all aspects of my portfolio.
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In this episode I run through the points of the Autumn Budget that are relevant to the Property Industry including parts that were not in Jeremy Hunts speech.
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 [email protected]
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I was joined by Simon Das from the award winning Mortgage brokers 978 Finance to discuss the latest Property News.
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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I am joined in this episode by Ian Humphreys the CEO of Brickflow.
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 [email protected] fo get more information on the best products for your deal.
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In this episode I give a run down of the latest Property News.
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 [email protected] or my business partner Simon Das [email protected]
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I am joined again by Manish Kataria and Adam Lawrence to do our quarterly Investment Mastermind. These episodes are a bit of fun where we each pick one investment such as an ETF, Stock, Bond or REIT and explain our reasoning. Pretty much all of our picks can be invested in via an ISA or Pension wrapper but these episode are NOT INVESTMENT ADVICE.
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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I am joined in this episode by Anna Clare Harper. Anna's career has focused on strategic residential investments throughout regulatory and market changes which made me very eager to speak to her about the Governments recent scrapping of EPC targets and what that means for property investors.
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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Building a short term rental portfolio of 6000 units accross 7 countries in a short space of time is an incredible achievement!
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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In this episode I am joined by James Nevin the CEO of Blue engineering https://blueengineering.co.uk/ and Re Structured https://re-structured.com/ to discuss the importance of structural design on projects.
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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Manish Kataria and Adam Lawrence join me once again to discuss our latest quarterly investment picks.
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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In this episode Adam and I discuss;
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 [email protected]
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- Visa fler
