100 Properties Before 28 - The Strategy Behind the Scale with Ewan Dudding

In this episode of the Scottish Property Podcast, Nick and Steven are joined once again by serial investor and mortgage broker Ewan Dudding — who has now scaled to over 100 properties and relocated to Dubai while running a high-volume brokerage and build team.

Episode Highlights:

🏗️ Scaling the Portfolio

• Now owns over 100 units, including 17 HMOs and multiple portfolios

• Buying properties every 5 days for himself and every 2.5 days for clients

• Refurbs running at £100k/month with two build teams and vans on the road

• Targets £300–£350/month cash flow per unit

💰 Raising & Recycling Finance

• Started with £80K savings and raised his first £80K from a friend

• Now borrows from clients and private investors at up to 10% interest

• Uses bridging and refinance model to pull money out in as little as 6 weeks

• Key advice: raise capital from people who trust you, not just property people

📊 Broker Business & Mortgage Insights

• Team of five and pushing through 10–12 mortgage applications per day

• Specialises in bridging, BTLs, and portfolio lending for landlords

• Explains how surveyors, lender relationships, and product switches impact deals

• Partnered with Go Financial and growing organically through referrals

🌍 Life in Dubai & Business Mindset

• Relocated recently for lifestyle and productivity — not just tax benefits

• Says time difference gives him focus and freedom before UK wakes up

• Still works 14-hour days and prefers growing his business to relaxing on the beach

• Hasn't bought a car, lives modestly, and reinvests every pound

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