The HMO Podcast

When Property Deals Go Wrong: The Three Rs of Resilience

If you’re in property long enough, something will go wrong and I’ve been there more times than I can count. Builders have disappeared, finance has fallen through at the eleventh hour, planning has thrown me curveballs, and valuations have come in soft. The truth is, these challenges aren’t the exception… they’re the rule.In this episode, I’m sharing the simple framework I use to deal with setbacks without letting them knock me off course: the 3 R’s of Resilience - React, Reframe, Recover. Over nearly 20 years in the industry, this approach has helped me turn problems into lessons, lessons into systems, and setbacks into a stronger business.If you want to build a serious HMO portfolio, resilience isn’t optional - it’s essential. Tune in and I’ll show you how to put it into practice.-👉 This episode is sponsored by Tide Business.Sign up to Tide using this link and enter the promo code ROADMAP to get £50 cashback when you spend £100 on your new Tide card. T&C's Apply. #TideBusiness #TideBanking-🔥 Feeling overwhelmed? Join The HMO Roadmap Premium Plan at 20% OFF and access 400+ resources to help you start, scale & systemise your HMO business! Hurry! Offer ends on September 30th! Get started here.-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!If you want to join my 1-2-1 mentoring program, you can enquire here. Connect with me on Instagram or Linkedin for daily HMO tips and advice! 

7-Bed Planning Hack, Valuations & NI Rumours Discussed [Community Q&A]

This week, we’re shaking things up. Instead of focusing on a single topic, I’m sharing some of the most thought-provoking debates and discussions happening right now inside the HMO community.The truth is, the best ideas don’t just come from me sitting here deciding what to talk about — they come from you. From the questions you’re asking, the challenges you’re tackling, and the creative strategies you’re putting forward. And because we don’t always agree, the conversations are all the more valuable.In today’s episode, we’ll dive into four hot topics:A Treasury rumour: could National Insurance really be charged on rental income? It’s unconfirmed, but it’s already raising big questions about valuations, market values, and what it could mean for landlords.A planning hack I never knew about even after 20 years in the business. A clever strategy to take your HMO from six to seven beds.Valuations under pressure: are they starting to come in lower, and what trends are we actually seeing on the ground?The great desk debate: should you put desks in bedrooms, and are fold-down versions really worth it? A surprisingly simple question with a lot of strong opinions.Tune in to see where you stand on these debates and maybe pick up a new strategy or two along the way.-👉 This episode is sponsored by Tide Business.Sign up to Tide using this link and enter the promo code ROADMAP to get £50 cashback when you spend £100 on your new Tide card. T&C's Apply. #TideBusiness #TideBanking-🔥 Feeling overwhelmed? Join The HMO Roadmap Premium Plan at 20% OFF and access 400+ resources to help you start, scale & systemise your HMO business! Hurry! Offer ends on September 30th! Get started here.-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!If you want to join my 1-2-1 mentoring program, you can enquire here. Connect with me on Instagram or Linkedin for daily HMO tips and advice! 

Is The Property Market Crashing? Interest Rates, Valuations & Growth With Ellie Broadhurst

Today, I’ve got Ellie Broadhurst, our specialist mortgage broker back on the show.With the media shouting about property crashes, falling prices, lenders pulling deals, and down valuations, I wanted to sit down with Ellie to find out what’s really happening. Because on the ground, it feels very different.In this episode, we dig into the truth behind the headlines: what’s going on with interest rates, how valuations are looking, what lenders actually think about HMOs right now, and whether there’s still room for growth in the market.If you want some clarity in the middle of all the noise, this conversation is for you.Contact Ellie here, if you’re interested in discussing your HMO mortgage and finance needs.-👉 This episode is sponsored by Tide Business.Sign up to Tide using this link and enter the promo code ROADMAP to get £50 cashback when you spend £100 on your new Tide card. T&C's Apply. #TideBusiness #TideBanking-🔥 Feeling overwhelmed? Join The HMO Roadmap Premium Plan at 20% OFF and access 400+ resources to help you start, scale & systemise your HMO business! Hurry! Offer ends on September 30th! Get started here.-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. 

Is Property Investment Dead or Just Changing?

Is property investment dead, or is it just changing?In this episode of The HMO Podcast, I dive into the challenges facing investors right now - from economic pressures and new legislation to shifting market dynamics. But it’s not all bad news. I’ll share why a low-sentiment market can actually present some of the best opportunities, and why taking a long-term perspective is key to navigating today’s property landscape.Here’s what we cover in the episode:02:50 Current Economic Climate05:44 Market Sentiment and Investor Confidence08:33 Legislative and Regulatory Pressures on Landlords11:49 Financial Headwinds Facing Property Investors14:39 Market Dynamics and Property Values17:54 Opportunities Amidst ChallengesThis episode is sponsored by Tide Business.Sign up to Tide using this link and enter the promo code ROADMAP to get £50 cashback when you spend £100 on your new Tide card. T&C's Apply. #TideBusiness #TideBanking-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

Inside A Cambridge Super Deal: How Sam Carter Adds Value & Reduces Risk

Today I’m joined by Sam Carter of SJC Property Developments, who’s showing us that it’s absolutely possible to make property deals work—even in one of the most expensive parts of the country. Sam and his family are building a thriving business in Cambridge, and their latest project is nothing short of remarkable.They secured a property that was originally on the market for £725,000 at a bargain price, applied a smart strategy with multiple exit options, and turned it into a deal that generated hundreds of thousands of pounds.In this episode, Sam and I dive into exactly how they pulled it off, the key decisions that made this project such a success, and what it really takes to grow a profitable property business when many people insist the deals just aren’t out there.So, if you’ve ever thought opportunities only exist in the cheaper parts of the country, this conversation will make you think again.Here’s what we cover in the episode:02:57 Sam Carter’s Background and Early Influences05:47 Transitioning from Employee to Entrepreneur14:44 Understanding Exit Strategies and Risk Mitigation20:54 Dealing with Unexpected Challenges in Property Development26:34 The Importance of Mentorship and Continuous Learning32:49 Creative Strategies for Maximizing Property Value35:42 Building a Personal Brand and Networking for Growth-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.