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In this episode of The Investor’s Corner, Ian and Andy are joined by mortgage expert Ves from Mortgage Tribe. Together, they take a deep dive into the latest Autumn Budget, discussing the key changes and how these could affect property investors. They cover everything from new regulations to mortgage rate adjustments and explore what this means for the future of the property market. Whether you're an experienced investor or just starting out, this episode is packed with valuable insights on how to navigate the shifting landscape.
Key Topics Covered:
Budget Highlights: The latest tax and mortgage policy changes and their impact on property investors.
First-Time Buyers: How rising costs are affecting first-time buyers and what that could mean for the rental market.
Rental Market Predictions: Why rental prices might increase by 10% in the coming year.
Energy Efficiency Grants: The £3.5 billion set aside for improving energy efficiency in homes – what you need to know.
Long-Term Investment Strategy: How to adapt your investment strategy in light of new regulations and market trends.
Key Takeaways:
Investors should consider holding on to properties due to the potential for higher rental yields and increasing entry costs. First-time buyers may be delayed, increasing demand for rental properties. The upcoming changes to EPC (Energy Performance Certificates) could impact landlords – and there’s potential funding to help improve property energy efficiency.Contact Ves:
Email: [email protected] Call: 07554 663631 Website: www.mortgagetribe.co.ukListen to The Investor’s Corner Podcast
Spotify: https://open.spotify.com/show/6Awfoi9dUoU55k0D7uf64a
Apple Podcasts: https://podcasts.apple.com/gb/podcast/the-investors-corner/id1700916277Don't forget to subscribe for more property investment tips and insights!
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In this episode of The Investors Corner, Mike is joined by Kiel Holder, an avocado partner in Reading, to delve into why Reading continues to attract property investors. They discuss the town's rapid development, evolving investment landscape, and how individual investors can still secure profitable opportunities despite corporate competition. This episode provides a comprehensive look at Reading's investment potential, with tips on targeting key areas, maximising rental yields, and identifying promising properties.
Main Topics:
The impact of Reading’s regeneration on property values and investor demand. Corporate vs. individual investors: Who’s winning the property game? Exploring Reading’s high-yield neighbourhoods and investment hotspots. Expert advice on recognising undervalued properties and capitalising on trends. How the town’s infrastructure improvements are boosting property appeal.Key Takeaways:
Reading's ongoing infrastructure investments make it a solid choice for long-term growth and stable returns. Individual investors can gain a competitive edge by focusing on specific localities and using insider knowledge to access off-market deals.Contact Kiel:
Email: [email protected]
Call: 07769 345086Got questions?
Email us at: [email protected]Don't forget to subscribe for more property investment insights and upcoming episodes!
Listen to The Investors Corner Podcast:
Spotify: https://open.spotify.com/show/6Awfoi9dUoU55k0D7uf64a
Apple Podcasts: https://podcasts.apple.com/gb/podcast/the-investors-corner/id1700916277Stay informed, stay ahead, and happy investing!
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Saknas det avsnitt?
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SUBSCRIBE @AvocadoProperty
In this episode of The Investors Corner, Andy and Ian are joined by Ryan Bloomfield, an avocado partner in Bracknell, to explore why Bracknell is one of the UK's most attractive property investment locations. With its strategic location, infrastructure development, and growing rental demand, Bracknell offers a unique opportunity for investors. Ryan breaks down how to spot the best deals, the advantages of probate properties, and how the town’s regeneration is impacting property values.
Main Topics:
Why Bracknell is becoming a top choice for property investors Key factors behind property price growth and high rental yields Understanding probate properties and why they are a hidden gem Maximising returns through off-market deals and local insight A look at Bracknell’s ongoing development and future growth potentialKey Takeaways:
Bracknell has excellent long-term growth potential due to its strong rental market and continued investment in infrastructure. Investors can gain an edge by targeting probate properties and utilising local agent networks to find off-market opportunities.Contact Ryan & Sanjay:
Email: [email protected]
Phone number: 07731 105514Got questions?
Email us at: [email protected]Don't forget to subscribe for more property investment insights and future episodes!
Listen to The Investors Corner Podcast:
Spotify: https://open.spotify.com/show/6Awfoi9dUoU55k0D7uf64a
Apple Podcasts: https://podcasts.apple.com/gb/podcast/the-investors-corner/id1700916277Stay informed, stay ahead, and happy investing!
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In this episode of The Investors Corner, Andy and Mike dive into 7 crucial decisions every property investor faces. From whether to invest in houses or flats, to navigating mortgage options like interest-only vs. capital repayment, and even the debate between property and stocks as an investment strategy. This episode is full of expert insights to help you make smart, long-term investment choices.
Main Topics:
Flats vs. Houses: Which offers better growth? Mortgage Options: Interest-only or capital repayment? Property vs. Stocks: Which is the better long-term investmentsKey Takeaways:
Houses vs. Flats: Houses often offer better growth potential, while flats come with more management and risk due to leasehold complexities. Mortgage Strategy: Interest-only mortgages offer flexibility, but pairing them with overpayments can maximise returns. Property vs. Stocks: Property is less volatile and allows for leveraging bank funds, while stocks may offer higher rewards but come with more risk.Listen on Spotify:
https://open.spotify.com/show/6Awfoi9dUoU55k0D7uf64a
Listen on Apple Podcasts:
https://podcasts.apple.com/gb/podcast/the-investors-corner/id1700916277
Got questions? Email us at: [email protected]
Stay informed, stay ahead, and happy investing!
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SUBSCRIBE @AvocadoProperty
In this episode of The Investors Corner, Andy and Ian continue their conversation with Milesh Lakhani, Director of Revive Property, as he shares deeper insights into his property investment journey. In part two, they discuss navigating the complexities of property strategies, including HMOs, buy-to-let, and social housing.
Milesh also emphasises the importance of “business before property” through long-term planning, and optimising cash flow.
Main Topics:
Business strategy for property professionals Comparing property investment strategies Financial planning and cash flow management Reviewing and optimising property portfoliosKey Takeaways:
Strategy alignment with your personal goals is crucial Effective portfolio management ensures long-term successContact Milesh: [email protected]
Subscribe: Spotify: https://open.spotify.com/show/6Awfoi9dUoU55k0D7uf64a
Apple Podcasts: https://podcasts.apple.com/gb/podcast/the-investors-corner/id1700916277Got questions? Email us at: [email protected]
Stay informed, stay ahead, and happy investing!
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SUBSCRIBE HERE @AvocadoProperty
In this episode of The Investors Corner, Andy and Ian are joined by Milesh Lakhani, Director of Revive Property, as he shares his journey from the corporate world to becoming a property investor. He discusses his experience in building an HMO portfolio, remote property management, and navigating the challenges of commercial conversions.
Main Topics:
Strategic planning for successful investments Remote management through efficient systems Adapting investment strategies for growthKey Takeaways:
Strategic planning is critical. Remote management works with the right systems. Evolving your strategy over time is essential.Contact Milesh: [email protected]
Subscribe: Spotify: https://open.spotify.com/show/6Awfoi9dUoU55k0D7uf64a
Apple Podcasts: https://podcasts.apple.com/gb/podcast/the-investors-corner/id1700916277Got questions? Email us at: [email protected]
Stay informed, stay ahead, and happy investing!
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SUBSCRIBE HERE @AvocadoProperty
In this week’s episode of The Investors Corner, Andy, Mike, and Ian revisit a popular topic—how they would invest £50k over the next five years. After discussing this a few weeks ago, they dive deeper into both high-risk and medium-risk strategies, exploring options like tech stocks, crypto, property, and peer-to-peer lending.
Main Topics Covered:
High-Risk Strategy: 50% in growth stocks like tech, AI, and clean energy. 30% into Bitcoin, Ethereum, and smaller altcoins. Medium-Risk Strategy: 40% in index funds and dividend stocks. 25% in property investments through REITs and crowdfunding. Peer-to-Peer Lending: Offering high returns but with credit risk, this method includes platforms like Funding Circle.Key Takeaways:
Tech, AI, and clean energy are high-growth sectors. Crypto can offer substantial returns, but with increased risk. REITs and peer-to-peer lending can diversify your portfolio while providing liquidity and annual returns.Subscribe:
Spotify: https://open.spotify.com/show/6Awfoi9dUoU55k0D7uf64a Apple Podcasts: https://podcasts.apple.com/gb/podcast/the-investors-corner/id1700916277Got questions? Email us at: [email protected]
Stay informed, stay ahead, and happy investing!
#podcast #InvestingStrategies #CryptoInvesting #PropertyInvestment #AIStocks #PeerToPeerLending #GrowthStocks #FinancialFreedom
#REITs #InvestmentPodcast #SmartInvesting
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SUBSCRIBE HERE @AvocadoProperty
In this week’s episode of The Investors Corner, Andy, Mike, and Ian talk about how the upcoming Autumn Budget could affect landlords and property investors. They cover potential tax changes and how to prepare for them.
Main Topics Covered:
Capital Gains Tax: Possible increase to 45% for property gains and its impact on investors. Pension Tax Relief: How proposed reforms could affect business owners. Inheritance Tax: Discussion about the potential "double death" tax.Key Takeaways:
Higher capital gains taxes may shift how investors approach property sales. Changes in pension tax relief could lead to new strategies for retirement savings. The potential inheritance tax increase could make estate planning more important than ever.Subscribe:
Spotify - https://open.spotify.com/show/6Awfoi9dUoU55k0D7uf64a
Apple Podcasts - https://podcasts.apple.com/gb/podcast/the-investors-corner/id1700916277Got questions?
Email us at [email protected]Stay tuned, stay informed, and happy investing!
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In this week's episode of The Investors Corner, Andy, Mike, and Ian discuss how they would invest £50k over the next five years, covering various strategies from property to cryptocurrencies and tech startups. Expect a balanced conversation on risk and reward across different investment options.
Main Topics Covered:
Cryptocurrency: Andy explores the potential of putting £15k into crypto markets and the possible gains or losses. Property Joint Ventures: Ian explains why investing £20k in property refurbishments remains a safer, long-term bet. Tech Startups: They delve into the exciting potential of backing early-stage tech businesses.Key Insights
Cryptocurrencies offer high risk but potentially big rewards. Property joint ventures provide more stable, predictable returns. Tech startups hold significant potential for exponential growth, albeit with higher risks.Resources: Stay tuned for more expert discussions on property and investments. Don't forget to subscribe on Spotify and Apple Podcasts for the latest insights.
Subscribe Spotify: https://open.spotify.com/show/6Awfoi9dUoU55k0D7uf64a?
Apple Podcasts: https://podcasts.apple.com/gb/podcast/the-investors-corner/id1700916277Have Questions or Topics? Email us at [email protected]
Stay informed, stay ahead, and happy investing!
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Celebrating 150 Episodes of The Investors Corner
Join hosts Andy, Mike, and Ian as they mark a major milestone—150 episodes! In this special episode, they reflect on the evolving property market, especially the UK's current landscape, and share timeless insights from past episodes.
Main Topics Covered:
* UK Rental Market Outlook: Exploring the ongoing demand for rental properties, with expectations of 7-8% rental inflation.
* Landlord Challenges: Discussion on how UK policies impact landlords, with a focus on the future of property investment in light of potential political changes.
* Strategic Advice: Reassessing investment strategies, including the importance of equity, location, and the potential of co-investing.
Key Insights:
The UK's rental demand continues to outstrip supply, pushing rents higher.
With mortgage rates stabilising, there may be renewed confidence among landlords and new investors.
It's crucial to adapt to the market, whether by seeking properties with development potential or by forming strategic partnerships.
Podcast Statistics: Did you know? Only 2% of podcasts in the UK reach 150 episodes, and only 10% do so worldwide! We're proud to be part of that elite group.
Don't Miss an Episode! Subscribe to our podcast on Spotify and Apple Podcasts to stay updated with the latest insights and advice. If you found this episode helpful, please leave a rating and review to help other investors and landlords discover our show.
Subscribe
Spotify: https://open.spotify.com/show/6Awfoi9dUoU55k0D7uf64a?
Apple Podcasts: https://podcasts.apple.com/gb/podcast/the-investors-corner/id1700916277
Have Questions or Topics? Email us at [email protected]
Stay informed, stay ahead, and happy investing!
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Welcome to this episode of The Investors Corner! We have Ian Macbeth, joined by co-host Andy Brown. Today, we’re thrilled to have Ves Doctorov from Mortgage Tribe with us to discuss the latest trends and updates in the housing and mortgage markets.
Main Topics Covered:
Mortgage Rates and Market Movements:
Recent shifts in mortgage rates, including Nationwide’s introduction of a 3.99% rate on a 60% LTV mortgage and other competitive offers. Insights into how these rates impact borrowers and lenders. Property Trends and Insights:
Current trends in property sales, including the increase in new buyer registrations and the types of properties in high demand. Analysis of the latest data from Rightmove and market responses. Scottish vs. English Property Market:
A comparison of property investment trends between Scotland and England, highlighting Scotland's 30% increase in property investment versus London's 46% decrease. Factors contributing to these trends.Key Insights:
Nationwide’s new mortgage rates at 3.99% are setting a competitive benchmark. Two-bedroom terraces and three-bedroom semi-detached homes are the fastest-selling properties. Scotland is seeing a significant increase in property investment, contrasting with a downturn in London. The final quarter of 2024 is expected to be busy, with increased market activity historically observed.Resources:
Nationwide Mortgage Rates Rightmove Property Trends Scottish Property Market InsightsDon't Miss an Episode!
Subscribe to our podcast on Spotify and Apple Podcasts to stay updated with the latest insights and advice. If you found this episode helpful, please leave a rating and review to help other investors and landlords discover our show.
Have Questions or Topics?
Email us at [email protected]Subscribe:
Spotify: https://open.spotify.com/show/6Awfoi9dUoU55k0D7uf64a Apple Podcasts: https://podcasts.apple.com/gb/podcast/the-investors-corner/id1588273348Stay informed, stay ahead, and happy investing!
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In this week's episode of The Investors Corner, hosts Andy and Mike welcome Josh Holt, an experienced estate agent in both Dubai and the UK, to explore the differences between investing in these two markets. They discuss the evolving property landscape in Dubai, focusing on whether it remains a high-risk market or has matured into a long-term investment opportunity.
Main Topics Covered:
Dubai Property Market Overview: Josh delves into the rapid growth and economic maturity of Dubai over the past two decades, highlighting key trends and opportunities. Off-Plan vs. Resale Investments: A detailed comparison of buying off-plan versus resale properties in Dubai, including payment plans, risks, and potential returns. Risks and Rewards: An honest discussion about the risks associated with investing in Dubai, such as the volatility of off-plan projects and the importance of choosing reputable developers.Key Insights:
Dubai's population has tripled in 24 years, driving significant property market growth. Off-plan properties in Dubai offer unique payment structures, but careful selection of developers is crucial. Financial planning and understanding the legal framework are essential for successful investment in Dubai.Resources:
For more information on the Dubai rental market contact Josh Holt - +971502347704
Don't Miss an Episode!
Subscribe to our podcast on Spotify and Apple Podcasts to stay updated with the latest insights and advice. If you found this episode helpful, please leave a rating and review to help other investors and landlords discover our show.
Have Questions or Topics? Email us at [email protected]
Subscribe
Spotify: https://open.spotify.com/show/6Awfoi9dUoU55k0D7uf64a?
Apple Podcasts: https://podcasts.apple.com/gb/podcast/the-investors-corner/id1700916277Stay informed, stay ahead, and happy investing!
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In this episode of The Investors Corner, hosts Andy and Mike discuss critical advice for landlords. This episode covers essential tips and insights to help landlords navigate the challenges of property investment.
Build-to-Rent Market Reality
The hosts delve into why build-to-rent developments might not resolve housing issues, particularly for those who need it most.Tenant Referencing
The importance of thorough tenant checks to avoid costly mistakes is emphasised. Andy Brown highlights real-life scenarios where inadequate referencing led to significant issues.Financial Planning for Landlords
The episode also covers the importance of financial planning, including budgeting for maintenance, understanding tax obligations, and preparing for market fluctuations.Key Insights
Build-to-rent developments are profit-driven, not necessarily focused on solving housing shortages. Proper tenant referencing can save landlords from long-term headaches. Financial planning is crucial for both new and experienced landlords to ensure long-term success.Don't Miss an Episode!
Subscribe to our podcast on Spotify and Apple Podcasts to stay updated with the latest insights and advice. If you found this episode helpful, please leave a rating and review to help other investors and landlords discover our show.Have Questions or Topics?
Email us at [email protected]Subscribe
Spotify: https://open.spotify.com/show/6Awfoi9dUoU55k0D7uf64a?si=ac2d8f6ee29d4097&nd=1&dlsi=e745b47c4c8f44d8
Apple Podcasts: https://podcasts.apple.com/gb/podcast/the-investors-corner/id1700916277Stay informed, stay ahead, and happy investing!
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In this episode of The Investors Corner, hosts Mike and Andy continue their discussion with Paul Hutchinson, Founder and Director of Hutchinson Legal & Associates, on setting up trusts for landlords. Packed with insights and practical advice, this episode is essential for both new and experienced investors.
Understanding Trusts and Their Benefits Paul demystifies trusts, emphasising that they are not just for the wealthy but can protect assets, offer tax benefits, and ensure smooth wealth transfer.
Tax Implications The episode covers:
Income tax considerations Capital gains tax and holdover relief Inheritance tax planningSetting Up Trusts
Paul explains the steps and costs involved, highlighting the importance of consulting specialists to ensure proper setup and compliance.
Challenges and Practical Advice
The discussion addresses potential challenges, such as managing rental income through trusts and care fees, with Paul offering practical solutions.
Real-Life Scenarios
Paul shares examples of trusts in action, showing how they protect family assets and provide financial security.
Key Insights
Trusts have a long history and are suitable for various financial situations. Properly structured trusts can protect assets from inheritance tax and provide for future generations. Understanding tax implications is crucial for effective trust planning.Resources:
Hutchinson Legal & Associates: https://hutchinson-legal.co.uk Tel: 01454 300 600 Email: [email protected]Don't Miss an Episode!
Subscribe to The Investors Corner so you never miss an episode.
If you find this episode helpful, please leave a rating and review to help other investors and landlords discover the show.
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In this episode of The Investors Corner, hosts Mike and Andy delve into the essentials of setting up a trust for landlords with Paul Hutchinson from Hutchinson and Legal Associates. This episode is packed with valuable insights and actionable advice for both new and experienced investors.
Understanding Trusts and Their Benefits
Paul explains the history and purpose of trusts, debunking the myth that they are only for the super-wealthy. Trusts can protect assets, provide tax benefits, and ensure a smooth transfer of wealth to future generations.
Tax Implications
The episode covers the tax implications of setting up a trust, including:
Income tax considerations Capital gains tax and how holdover relief can defer payments Inheritance tax planning to minimise liabilitiesSetting Up Trusts
Paul discusses the steps and costs involved in setting up a trust, emphasising the importance of consulting specialists in trusts and estate planning to ensure proper setup and compliance with legal requirements.
Challenges and Practical Advice
The hosts and Paul explore potential challenges landlords might face when setting up trusts, such as care fees and managing rental income through trusts. Paul provides practical advice on how to navigate these issues effectively.
Real-Life Scenarios
Paul shares real-life examples of how trusts have been used to protect family assets and provide financial security, highlighting the importance of considering trusts in estate planning.
Key Insights
Trusts have been around for over 3,000 years and are suitable for various financial situations. Properly structured trusts can protect assets from inheritance tax and provide for future generations. Understanding the tax implications is crucial for effective trust planning.Resources:
Hutchinson Legal & Associates - https://hutchinson-legal.co.uk
Contact Paul:
Tel: 01454 300 600
E-mail: [email protected]Don't miss an episode of The Investors Corner! Subscribe to our podcast on Spotify and Apple Podcasts to stay updated with the latest insights and advice from Mike and Andy. If you found this episode helpful, please leave us a rating and review—it helps other investors and landlords discover our show.
Have questions or topics you'd like us to cover? Email us at [email protected].
Stay informed, stay ahead, and happy investing!
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Welcome to another episode of The Investors Corner with your hosts Mike and Andy! In this episode, we dive deep into the dynamics of the Oxford property market with our special guest, Sherko Zen-Aloush, a renowned property expert from Oxford.
Episode Highlights
Market Trends and Student Preferences: Students are becoming more selective about their living conditions, opting for modern and well-located properties. This shift is largely driven by the substantial debt burden they carry, making them willing to pay higher rents for better accommodation.
Oxford's Property Market: Oxford's property market remains robust, bolstered by its prominent hospitals, universities, and the BMW Mini plant. The city attracts both students and professionals, creating a lucrative environment for landlords.
Challenges in Student Lettings: While student rentals can be highly profitable, they come with challenges such as the need for guarantors due to students' lack of employment. The competition from university accommodations also sets high standards for landlords.
Investment Advice: Investing in HMOs (Houses in Multiple Occupation) in Oxford can yield substantial profits, especially in areas with lower HMO saturation. However, it's crucial for potential investors to thoroughly research local regulations and market conditions.
Property Standards and Management: Many HMOs in Oxford require significant upgrades to meet student expectations. Effective property management and maintaining high standards can lead to longer tenancies and increased rental income.
Landlord Advice: Landlords are advised to reinvest in their properties to remain competitive and meet rising tenant expectations. Collaborating with reliable agents can also enhance property management and tenant satisfaction.
Meet our guest
Sherko Zen-Aloush is a seasoned property agent at Avocado Property Agents. With extensive experience in the Oxford property market, Sherko brings a wealth of knowledge, particularly in the student and professional accommodation sectors. You can learn more about Sherko and his expertise here.
About The Hosts
Mike and Andy bring years of expertise in property investing and property management. They are dedicated to providing landlords and investors with the latest insights and strategies to maximise their investment returns in the ever-evolving property market.
Don't miss an episode of The Investors Corner! Subscribe to our podcast and stay up to date.
Have questions or topics you'd like us to cover? Email us at [email protected] . Stay informed, stay ahead, and happy investing!
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In this episode of The Investors Corner, host Ian is joined by Ves and Tom, co-founders of Mortgage Tribe. They discuss the latest mortgage market changes, investment strategies for landlords, and the implications of recent political shifts. This episode is packed with valuable insights and actionable advice for both new and experienced investors.
Key Topics Covered: Mortgage Market Changes: Rising Payments: 400,000 Brits face significant mortgage payment increases over the next two years. Overpayments: Strategies to reduce mortgage terms and save on interest by making overpayments. Market Activity: The summer market is active, with mortgage advisers predicting a busier second half of the year. Election Results and Impact: Labour's Victory: Labour's win with fewer votes than previous years, marking the first government change in 14 years. Political Influence: How the political shift might affect landlord exit rates and market dynamics. Mortgage Strategies: Rate Trends: Recent marginal drops in rates and the psychological impact on lenders and borrowers. Fixed vs. Variable: Discussing the decision between two-year and five-year fixed rates amidst changing market conditions. Investment Insights: Landlord Dynamics: The imbalance between rental supply and demand, and the trend of landlords either doubling down or exiting the market. Limited Company Route: Increased interest in investing through limited companies for tax benefits and better rates. Economic Predictions: Interest Rates: Speculation on interest rate trends and their potential stabilization. Market Resilience: Analysis of the current stable state of the property market and its future outlook. Key Insights: 400,000 Brits: Significant mortgage payment increases predicted over the next two years. Labour's Impact: The political shift's influence on market dynamics and landlord decisions. Investment Strategies: Practical advice on overpayments, fixed vs. variable rates, and the benefits of investing through limited companies. Resources: Mortgage Tribe Labour ManifestoDon't miss an episode of The Investors Corner! Subscribe to our podcast on Spotify and Apple Podcasts to stay updated with the latest insights and advice from Ian, Mike, and Andy. If you found this episode helpful, please leave us a rating and review—it helps other investors and landlords discover our show.
Have questions or topics you'd like us to cover? Email us at [email protected]
Stay informed, stay ahead, and happy investing!
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In this episode of The Investors Corner, hosts Ian, Mike, and Andy delve into the latest developments affecting landlords and investors in the South East of the UK. They provide a comprehensive analysis of the recent election results, the state of the housing market, political promises, and economic predictions. This episode is packed with valuable insights and actionable advice for both new and experienced investors.
Election Results and Impact on Landlords
The recent election saw the Labour Party win with fewer votes than Jeremy Corbyn received five years ago, marking the first change of government in 14 years. The hosts discuss how this political shift might influence the rate at which landlords are exiting the market.Housing Market and Landlord Dynamics
There's a notable imbalance between the supply and demand of rental homes, creating a challenging environment for both landlords and tenants. Despite new policies, it's still uncertain whether landlords will decide to exit or retain their properties in the market.Political Promises and Concerns
Labour's manifesto includes an ambitious plan to build 150,000 social houses annually, but there are concerns regarding the funding and overall feasibility of this promise. Potential implementation of emergency legislation, particularly around Section 21 notices, raises further questions and concerns among landlords.Market Dynamics Pre-Election
Prior to the election, there was a slight increase in mortgage rates and housing supply. Investors are advised to maintain their current strategies until more concrete policies are established.Social Housing Plans
Labour plans a significant investment in social housing to potentially replace private landlords, though specific execution details remain unclear.Economic Predictions
Behavioural economist Roger Martin Fagor predicts a 1.5% economic growth this year. The existing demand-supply imbalance in rental homes could be advantageous for landlords in the long run. Key Insights 150,000 social houses/year: Labour's target for new social housing construction. £19 billion/year: Estimated cost for Labour's social housing plan, raising concerns about funding. 68%: Percentage of people more interested in the Euros than the election, indicating a general public disinterest in political changes. 60-55% voter turnout: Shows a significant portion of the population is disillusioned with the electoral process. Resources: Labour ManifestoDon't miss an episode of The Investors Corner! Subscribe to our podcast on Spotify and Apple Podcasts to stay updated with the latest insights and advice from Ian, Mike, and Andy. If you found this episode helpful, please leave us a rating and review—it helps other investors and landlords discover our show.
Have questions or topics you'd like us to cover? Email us at [email protected]
Stay informed, stay ahead, and happy investing!
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In this episode of The Investors Corner, hosts Ian, Mike, and Andy discuss smart investment strategies for landlords and investors in the South East of the UK. They provide practical advice on how to invest idle funds, covering essential topics such as researching potential investment areas, understanding emerging markets, balancing rental yields with capital growth, conducting thorough due diligence, and developing clear exit strategies. This episode is packed with valuable insights and actionable advice for both new and experienced investors.
Bank Account Dilemma | Homeowners and investors often wonder how to best invest their funds. The hosts discuss initial steps, the importance of diversification, and aligning investments with long-term goals. They emphasise understanding risk tolerance and consulting with financial advisors.
Researching Areas | Knowing where to invest is key. The hosts share tips on using Rightmove and Chrome extensions like Patma and Property Market Intel to gather data on property history and market trends, aiding informed investment decisions.
Emerging Markets | Investing in emerging markets offers growth opportunities but requires careful analysis. The hosts highlight factors like economic growth, job creation, and business developments. They stress economic diversity to reduce risks and enhance returns.
Rental Yields vs. Capital Growth | Balancing rental yields with capital growth is crucial. The hosts explore evaluating high yield areas and long-term appreciation potential, recommending data-driven tools like the ONS website and Rightmove for well-rounded investment strategies.
Risk and Due Diligence | Thorough research and due diligence are essential. The hosts discuss investigating council planning restrictions, consulting local estate agents, and verifying HMO licenses to ensure informed decisions and avoid pitfalls.
Exit Strategies | Clear exit strategies are vital. The hosts outline setting investment goals, identifying potential buyers, and understanding market dynamics to maximise returns and minimise risks when exiting investments.
Resources:
Rightmove
Patma Chrome Extension
Market Intel
ONS Website for Data
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In this episode of The Investors Corner, Andy, Mike, and Ian delve into the housing policies and tax cuts promised by various political parties. We kick off with a discussion on the recent promises focusing on housing and business tax cuts. Nigel Farage's political tactics are highlighted, drawing comparisons to Trump for his effective audience targeting.
Election Insights | The panel provides insights into the upcoming election, touching on betting scandals and notable events like Keir Starmer's appearance at a Taylor Swift concert. They speculate on potential outcomes and the promises made by different parties.
Conservative Manifesto | A breakdown of the Conservative party's housing policies reveals promises to increase the stamp duty cap for first-time buyers, tackle climate change in houses, and offer temporary capital gains tax relief for landlords selling to tenants. The panel critiques these policies, noting past promises with minimal results.
Labour Manifesto | We examine Labour's housing policies, including plans to abolish Section 21, empower tenants to challenge unreasonable rent increases, and ensure private rented houses meet minimum energy efficiency standards by 2030. The panel finds Labour's manifesto promising but remains skeptical about its implementation.
Reform Party Proposals | Nigel Farage and the Reform Party propose a stamp duty ban up to £750k, changes to inheritance tax, and business tax cuts. The populist nature of these proposals is noted, along with questions about their feasibility.
Green and Lib Dem Policies | An overview of the housing policies from the Green Party and Liberal Democrats, focusing on rent control, energy efficiency improvements, and abolishing residential leaseholds. The panel considers these proposals ambitious but lacking in practical details.
Investment Advice | We conclude with advice for property investors, recommending the purchase of stable properties like three-bedroom semis with potential for extension. The importance of investing in properties with low void periods and good rental returns is emphasized.
Insights Based on Numbers: Stamp Duty Increase: The stamp duty cap for first-time buyers is proposed to increase to £425,000 (from £250,000). The panel notes that 5% of £175,000 isn't a substantial amount. Capital Gains Tax Relief: A temporary 2-year capital gains tax relief for landlords selling to tenants is mentioned, with questions about the frequency of such transactions and potential loopholes. Housing Targets: Labour's target to build 1.5 million houses over the next Parliament is highlighted, with a reminder of past missed goals.Enjoyed this episode? Make sure to subscribe to The Investors Corner on Spotify and Apple Podcasts to never miss out on the latest insights. Share this episode with fellow landlords and investors who could benefit from our discussion.
Don’t forget to leave us a review and let us know what topics you’d like us to cover next.
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