Episodes

  • Expert shares tax strategies you should be using

    Expert shares tax strategies you should be using
    Sep 18 2025
    Tax might not be everyone’s cup of tea… but when it comes to property investment, it’s one of the biggest factors that can make or break your returns. In this episode, Rob & Rob sit down with tax expert Nadeem Raziq, who’s worked with hundreds of investors to navigate the complex world of tax. From the classic limited company question, to inheritance tax, trusts, and even strategies for what could be coming down the line – nothing’s off the table in this jam-packed conversation. (0:57) News story of the week (3:30) Talking all things tax with our expert Nadeem (4:08) Beginning with the age-old limited company (27:07) Let’s learn more about inheritance tax (31:28) What about trusts? (37:58) Hub Extra Links mentioned: Bradford property market retains top hotspot crown Nadeem’s company, Provestor The unknown number Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Find out more about Property Hub Invest
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    40 mins
  • ASK494: What do I do with these mortgage fees? PLUS: Use a bridge or buy cash?

    ASK494: What do I do with these mortgage fees? PLUS: Use a bridge or buy cash?
    Sep 16 2025
    It’s time for the latest edition of Ask Rob & Rob, so let’s dive right in! (0:42) Danny started his property journey at the beginning of 2025, releasing equity from his home to fund his buy-to-let investments through a limited company. With mortgage fees of £4–6k each time, he asks Rob & Rob if he should be paying upfront or adding them to the loan. (3:30) Will’s an aspiring investor with one buy-to-let and an unencumbered property he inherited. Eager to scale his portfolio quickly with BRR projects and auction buys, he’s torn between using costly bridging finance or refinancing the inherited property to release equity and fund deals with cash. He turns to Rob & Rob for their advice for which route makes more sense. Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Send us your question here – just hit record!. Find out more about Property Hub Invest
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    8 mins
  • Market Update - September 2025

    Market Update - September 2025
    Sep 11 2025
    The property world is in uproar with rumours of new tax changes. Headlines and speculation are everywhere, but what’s really going on? Tune in as Rob & Rob share what you actually need to know, and most importantly, explain what it could mean for investors. Watch Rob D’s brand new YouTube video for a deeper dive into the government’s latest updates. (0:47) The latest news for house prices.  (7:05) Does the rental market continue to grow?  (9:30) News from the House of Commons. (18:33) What on earth is happening with the Renters Rights Bill?  (18:22) Hub Extra.  Links mentioned: House Prices: Annual house price growth softens in August Halifax house price index Rightmove house price index London house prices to outperform rest of UK Rental Market:  Private rent and house prices Rental market holds firm as stock levels climb despite Renters’ Rights Bill concerns Government: Landlords could face tax on rental income in budget Reeves considers replacing stamp duty with new property tax Reeves leaves no stone unturned as she mulls reforms for property tax Reed becomes new housing secretary after Rayner exit Renters Rights Bill: Renters’ Rights Bill is back in Parliament as finish line approaches Other: Alex Hormozi Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Find out more about Property Hub Invest
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    22 mins
  • ASK493: Should I sell to avoid a big stamp duty bill? PLUS: Am I made to buy 4 HMOs?

    ASK493: Should I sell to avoid a big stamp duty bill? PLUS: Am I made to buy 4 HMOs?
    Sep 9 2025
    Happy Tuesday! It’s time for Rob & Rob to answer two more great questions from our listeners! (0:49) Toff’s a high-rate taxpayer with a well-performing buy-to-let in his personal name. He’s now looking to buy his own home but faces higher stamp duty that’ll add at least £10,000 to the cost. Weighing up whether to sell the rental and lose a good investment, move it into a limited company, or just accept the extra bill – he asks Rob & Rob if there’s a smarter move he’s missing. (3:42) Jane’s living in Hong Kong and preparing to return to the UK after 15 years as an expat. With £300k to invest, she wants to build a portfolio that provides enough income to work part-time. Her current student HMO has worked well and she’s wondering if she should use the pot to buy four more student houses for cash flow. Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Send us your question here – just hit record!. Find out more about Property Hub Invest
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    8 mins
  • £60bn giant says property is dead: We fact-check

    £60bn giant says property is dead: We fact-check
    Sep 4 2025
    A top wealth firm says buy-to-let has had its day - but is that really true? We dig into the data, uncover what they missed, and reveal why property might be stronger than ever if you know how to play it. (0:46) News story of the week. (3:07) We’re recruiting! Check out our job roles. (4:21) Property is officially dead? (5.53) The Robs analyse their findings. (7:49) Don’t ignore the power of leverage! (9:54) London is underperforming – true or false? (11:23) Steady growth isn’t sexy. (14:24) Can a typical buyer even afford a house? (18:09) Government vs. Landlords. (21:40) Be mindful of where information is coming from! (23:07) Hub Extra Links mentioned https://www.thetimes.com/uk/politics/article/landlords-national-insurance-tax-rental-income-xr085xd6s www.propertyhub.net/jobs https://www.rathbones.com/en-gb/wealth-management/media-centre/news-and-comment/research-shows-golden-age-of-uk-property-investment-is-over https://www.whatsapp.com/ Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Find out more about Property Hub Invest
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    28 mins
  • ASK492: Should I buy in an up-and-coming area? PLUS: Do I have enough money to invest?

    ASK492: Should I buy in an up-and-coming area? PLUS: Do I have enough money to invest?
    Sep 2 2025
    It’s time for your weekly dose of Ask Rob & Rob, so let’s get stuck into some interesting listener questions... (0:39) Should Bon pursue a HMO in a less desirable area if the numbers stack up? A major new housing development nearby could improve things – but is it worth the risk, or is location too important to gamble on? Rob and Rob give their thoughts. (4:36) Sara has £50k to start her property investing journey and is unsure where to begin. Buying a low-cost flat outright isn’t advisable in this scenario, but can Rob & Rob sway her to use a mortgage to unlock better growth opportunities? Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Send us your question here – just hit record! Find out more about Property Hub Invest
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    8 mins
  • Mortgage Market Update - August 2025

    Mortgage Market Update - August 2025
    Aug 28 2025
    This week, Rob B is joined by Kelly from Sirius Finance to tackle the big mortgage questions on every investor’s mind. From product ranges to market predictions, she shares her expert insights and top advice for navigating today’s property market. (1:21) - A quick overview of the current mortgage market (2:58) - Kelly’s rate cut predictions (4:40) - The best product ranges for investors (8:19) - The return of 80% LTV mortgages (10:39) - What would Kelly do? (13.49) - “Further advances” explained (15:16) - Are we out of the down valuation slog? (17:05) - How are investors adjusting their strategies as rates fall? (20:08) - Kelly’s top advice for investors navigating the current market Links mentioned: Kelly Rule, Senior Associate, Sirius Finance https://siriusfinance.co.uk/ kelly.rule@siriusfinance.co.uk Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Find out more about Property Hub Invest
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    24 mins
  • ASK491: How can I raise these funds? PLUS: Help, my freeholder is bankrupt!

    ASK491: How can I raise these funds? PLUS: Help, my freeholder is bankrupt!
    Aug 26 2025
    This week on Ask Rob & Rob, we’ve got two great listener questions – including one on a topic we’ve never covered before… (0:51) David already has two HMOs under his belt and now has his eye on a 6-bed property for his third. He’s got around £100,000 to put towards it, but he needs another £50,000. So he’s wondering… how can he get the extra funds? (6:45) Tom’s just bought two leasehold flats that were repossessed from the previous owner – who also happened to be the freeholder. Now he’s looking to buy the freehold, but it seems like a complicated process, so he’s hoping Rob & Rob can shed some light. Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Send us your question here – just hit record!. Find out more about Property Hub Invest
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    11 mins