The HMO Podcast

Can you still get all of your money back out of an HMO deal in 2026? It’s one of the questions I get asked most often, and it came up again recently in the HMO Community. An investor with around £80,000 in cash wants to build a high-spec HMO and refinance every penny back out. Is that realistic, or is it too much to ask of one project? This episode is a community Q&A. I’ve picked five real questions that members recently posted in our free Facebook group. I answer the question about recycling your cash, and then four more about problems almost every HMO landlord runs into eventually: rooms that won’t let, tenants who won’t clean up, tenants smoking indoors, and whether rent guarantee insurance is worth it now that the Renters’ Rights Act is here. 🎯 What You’ll Learn Can I refinance all my money back out of a high-spec HMO? I’ve only let one of six rooms. Have I priced it too high? How do I get tenants to keep communal spaces clean? A tenant keeps smoking in my student house. How far can I go? Is rent guarantee insurance worth it? Even if you’re not dealing with any of these right now, if you’re building a portfolio for the long term, you’ll probably face most of them at some point. This episode will help you be ready. 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here. The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here. The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here. Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here. If you enjoyed this episode, hit subscribe and leave a quick review on Apple Podcasts or Spotify . It helps more investors find the show!

Leon Hart and his brother Kyle started their property business from their front room with no background, no contacts and almost no money. Today they run an established lettings business, deliver HMO conversions for investors and are building a portfolio of their own, funded by private investors. In this episode, I catch up with Leon, a former mentee of mine, for an honest conversation about what it really took to get there and what he's learned along the way. 🎯 What You'll Learn How Leon and Kyle got started, and why it took longer than they expected The first hire that gave them their time back What Leon looks for in a deal, and the metric he cares about most Where he thinks Article 4 is heading, and how he's planning for it The builder mistakes that nearly cost him, and how he avoids them now How he found investors willing to fully fund his projects What he'd do differently if he were starting again today If you're starting out, building on a tight budget or trying to raise your first private finance, this is an honest and practical episode you won't want to miss. Follow Leon on Instagram: Leon Hart Property 💻 Resources & Mentions The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our free Facebook group here. Join my Accelerator Programme: If you'd like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here. The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates and lessons to help you start, scale and systemise your HMO business, all in one place. Join here. Social: Follow me on Instagram for daily HMO tips, advice and behind-the-scenes updates here. If you enjoyed this episode, hit subscribe and leave a quick review on Apple Podcasts or Spotify . It helps more investors find the show!

Can you still pick up a bargain at auction that would make a great HMO? If you’d asked me a year or two ago, I’d have said yes, but there weren’t many opportunities around. Things have changed. The market has slowed, sellers are more motivated, and there are more opportunities in the auction room than I’ve seen in a long time. In this episode, I talk you through how to buy at auction without getting burned. I cover why properties end up at auction, how the different types of auction work, the due diligence that really matters, how to fund the purchase and how to set your maximum bid. I also explain why pre-auction and post-auction offers are some of the best ways to pick up a real bargain. 🎯 What You’ll Learn Why properties end up at auction Traditional auctions vs the Modern Method of Auction Why national auction houses can hide better deals The due diligence that really matters How to fund an auction purchase How to set your maximum bid and stick to it Using pre-auction and post-auction offers to grab a bargain Whether you’re thinking about bidding on your first auction property or you’ve already got your eye on a lot, this episode will help you go into the auction room prepared, confident and clear on your numbers. 💻 Resources & Mentions Episode 248: How To Fund Residential to HMO Conversions Using Bridge Lending With Ellie Broadhurst. Listen here. Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here. The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here. The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here. Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.

How much of your HMO rent do you actually get to keep? It’s easy to look at the monthly rent, deduct the mortgage and bills, and assume everything left over is profit. But the reality is there are dozens of other costs that can impact the long-term performance of a HMO. In this episode, I break down the real costs of running a HMO in 2026, covering around 60 different expenses across 12 categories. From voids, reletting and utilities to compliance, maintenance, refinancing, management and tax, I’ll help you understand what really needs to be factored into your numbers. With costs rising and new legislation introducing additional expenses, accurately appraising your deals has never been more important. 🎯 What You'll Learn The hidden costs that can eat into your HMO profits How much to allow for voids, arrears and tenant changeovers The ongoing costs of utilities, cleaning, gardening and maintenance HMO licensing, safety certificates and other compliance costs The true cost of financing and refinancing a HMO Management, legal, insurance and professional fees you need to consider Why you should appraise your HMO over 5, 10 and 15 years, rather than focusing only on day-one returns Whether you're appraising your next HMO or reviewing the performance of an existing portfolio, this episode will help you build a much more realistic picture of what your HMO is actually costing you, and what you really get to keep. 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here. The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here. The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here. Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.

It’s been a busy, challenging and exciting few months across my property businesses. In this episode, I’m giving you an honest update on exactly what’s been happening behind the scenes. From development projects and difficult tenants to refinancing, new purchases and why I’m shifting my focus back towards high-yielding HMOs. I also share some of the challenges we’ve faced, including getting a major development back on track after our contractor went into liquidation, dealing with significant tenant arrears and preparing for a difficult refinance. 🎯 What You'll Learn Why I’m shifting my focus back towards high-yielding HMOs What I’m seeing in the property market right now How we recovered after a contractor went into liquidation The realities of refinancing in the current lending market How I’m dealing with a tenant owing around £15,000 in rent How AI is changing the way we operate across my businesses If you want to know what I’m buying, where I’m focusing my attention and how I’m approaching the rest of 2026 and beyond, this episode will bring you completely up to speed. 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here. The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here. The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here. Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.

The mortgage market has shifted quickly in recent weeks, with rising swap rates, changing lender pricing and wider economic uncertainty creating another challenging environment for HMO investors. In this episode, I sit down with our specialist mortgage broker Ellie Broadhurst to unpack what's happening in the lending market right now, how the Renters' Rights Act is starting to affect some HMO valuations, and what investors need to consider when buying or refinancing in today's market. 🎯 What You'll Learn What's driving the recent rise in HMO mortgage rates Why some lenders are increasing rates while others remain competitive How the Renters' Rights Act could affect HMO valuations and refinancing How to prepare for a refinance and avoid unnecessary delays What the lending and property market could look like heading into 2027 If you're buying a HMO, approaching a refinance or planning your next project, this episode will give you a practical insight into what's happening in the mortgage market, the risks to be aware of and how to position yourself for the opportunities ahead. Book a Call with Ellie here: https://thehmoroadmap.co.uk/hmo-mortgage-finance/ 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here. The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here. The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here. Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here. If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!

£10,000 per month in net income is a common goal for HMO investors, but very few people actually break down what it will take to get there. In this #Rewind episode, I break down a simple exercise I use with my mentees to reverse engineer that target, looking at how many properties you might need, the equity you’ll need to create and why adding value is such an important part of building and scaling an HMO portfolio. 🎯 What You'll Learn How to reverse engineer your HMO income target How many rooms and properties £10,000 per month could require Why creating equity is essential when scaling The importance of finding opportunities to add value How your location and strategy can affect the numbers If you’ve set yourself a financial target from HMOs, this episode will help you understand what it could actually take to get there and where you need to focus your efforts. 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here. The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here. The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here. Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.

Is HMO investing still worth it in 2026, and what do you actually need to know before getting started? In this episode, I’m on the other side of the mic as Ant Lyons from YPN Magazine puts me through my A–Z of HMO investing, covering everything from what makes a good deal and how to fund one, to Article 4, location, management, compliance and the mistakes that can quickly turn a promising project into an expensive one. I also share how my own approach to investing has changed over the years and what I would do if I were starting again today with £100,000. 🎯 What You'll Learn What I look for in a good HMO deal in 2026 Whether you need lots of money to get started How to choose the right location and project What Article 4 really means for HMO investors The costs and risks new investors often underestimate What to look for when outsourcing HMO management The planning and licensing traps you need to avoid What I would do differently if I were starting again today Whether you’re considering your first HMO or already building a portfolio, this episode gives you a practical overview of what HMO investing really looks like in 2026. You can find more of my interviews, articles and expert resources on my YPN Expert Hub here. 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here. The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here. The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here. Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here. If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!

Should you manage your own HMOs, or pay somebody else to do it? It’s one of the most common questions HMO investors ask, and the decision is often based on one thing: how much money you could save by self-managing. But after nearly 20 years of investing in and managing HMOs, I can tell you there’s far more to consider than the management fee. In this episode, I break down what managing an HMO actually involves, the pros and cons of doing it yourself versus outsourcing, and the real cost of management when you factor in your time, attention and responsibility. 🎯 What You'll Learn The difference between being an investor and a property manager What actually goes into managing an HMO day to day The time, stress and responsibility involved in self-management How management fees compare with the true cost of doing it yourself The key questions to ask before deciding which route is right for you If you’re currently self-managing your HMOs, or wondering whether you should, this episode will help you weigh up the options and make a properly informed decision. 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here. The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here. The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here. Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.

Some properties look like great HMO deals on paper, but there are certain problems that no amount of negotiating, refurbishing or clever deal structuring can fix. In this episode, I break down the types of properties I think HMO investors should avoid, or at the very least approach with a great deal of caution, and explain why some of these seemingly attractive opportunities can become very expensive mistakes. 🎯 What You'll Learn The lending risks of non-standard construction and spray foam Why shared ownership can be problematic for HMOs How covenants and lease clauses can restrict your plans Why existing HMO licences can be misleading The risks of listed buildings and flood zones If you’re currently sourcing or appraising your next HMO, this episode will help you spot some of the red flags before they become very expensive problems. 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here. The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here. The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here. Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.

Most HMO investors spend thousands getting a property finished, but when it comes to the things tenants actually see, the budget has often disappeared. In this episode, I’m joined by Sammie and Adam Wale from Aben Interiors, HMO investors and specialists in HMO property staging, photography and videography. We explore why presentation matters more than ever and how getting those final details right can help you achieve higher rents and fill your rooms faster. We also share real examples of projects achieving rents 15% to 24% above market rates and discuss why professional photos and videos can become some of your most valuable marketing assets. 🎯 What You'll Learn Why HMO presentation matters more in today’s competitive market How staging can help tenants connect with your property Why professional photos and videos are worth the investment How better presentation can increase rents and reduce voids Where AI can help with HMO design and where it falls short If you’re developing an HMO or have another project coming up, this episode will show you why the project doesn’t end when the builder hands back the keys, and why those final touches could be some of the highest ROI investments you make. Learn more about Sammie and Adam’s property staging services here: https://thehmoroadmap.co.uk/hmo-property-staging 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here. The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here. The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here. Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here. If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!

How much does it actually cost to refurbish an HMO? It’s one of the most common questions I get asked, and unfortunately, there isn’t one simple answer. The cost depends on the scope of the project, the specification you’re aiming for, where you’re investing and, importantly, whether you’ve accounted for everything that actually sits inside a refurbishment budget. In this episode, I break down how I think about HMO build costs and give you a practical way to put a credible number against a project before you’ve even spoken to a builder. 🎯 What You'll Learn The two biggest factors that drive HMO refurbishment costs What you need to include when building your refurb budget Current build-cost benchmarks for light, moderate and heavy refurbs What nearly 40 real HMO projects have actually cost our members How professional fees, VAT and contingency can affect your final budget How to sense-check your numbers and builders’ quotes Getting your refurb numbers wrong by £5,000, £10,000 or £20,000 can completely change whether a deal stacks up, and potentially how much you should be paying for the property in the first place. The goal isn’t to predict your build cost perfectly from day one. It’s to understand your scope and spec, use the right benchmarks, account for the costs that are often missed, and get your initial estimate as close to reality as possible. If you’re appraising an HMO conversion or planning your next refurbishment, this episode will help you approach your numbers with a lot more confidence. 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here. The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here. The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here. Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here. If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!

Most aspiring property investors don't struggle because they lack knowledge. They struggle because they never make the leap from learning to actually doing. They've read the books, listened to the podcasts, invested in education, but still haven't completed their first HMO project. In this episode, I'm joined by Dr. Michael Taylor , better known as ThePropertyGP. After building a £2 million HMO portfolio in under two years while working as a full-time GP, Michael has helped countless first-time investors bridge what he calls the "execution gap." Together, we explore why so many investors get stuck, the common obstacles holding them back, and how the right support can help you complete your first profitable HMO with confidence. 🎯 What You'll Learn Why education alone isn't enough to become a successful HMO investor The biggest reasons aspiring investors get stuck before completing their first deal How to overcome fear, overwhelm, and the "what if?" mindset The importance of building the right power team around your project Real-life examples of first-time investors who have successfully completed profitable HMOs If you've been thinking about investing in HMOs but haven't taken that first step yet, this episode will help you understand what's holding you back and, more importantly, how to move forward with confidence. 👉 Learn more about Michael's Blueprint programme and book a strategy call here. 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here. The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here. The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here. Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here. If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!

The first half of the year has been a reminder that building a successful property business is never a straight line. Some of my biggest wins have come alongside some of my biggest frustrations. In this episode, I take you behind the scenes of my business and share an honest mid-year review of what's been working, what's tested me the most, and where I'm focusing my time and energy for the rest of 2026. 🎯 What You'll Learn How AI and better systems have freed up more of my time Lessons from this year's student changeover The reality of rent arrears and landlord legal battles Why I'm focusing on high-yield HMOs again My plans for a new private investment fund If you're building a property business of your own, this episode is a reminder that setbacks are part of the journey. Success isn't about avoiding problems. It's about staying focused on the bigger picture, making better decisions, and continuing to move forward even when things don't go to plan. 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here. The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here. The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here. Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here. If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!

Most property investors spend years building wealth. But very few spend any time thinking about how they're actually going to protect it. What happens to your portfolio if you die unexpectedly? Who makes decisions if you lose mental capacity? Will your family inherit what you've built, or could poor planning, unnecessary tax, or even remarriage mean your wealth ends up somewhere you never intended? In this episode, I sit down with asset protection specialist Mike Hiner, better known as The Asset Protection Guy , to unpack the estate planning mistakes many property investors make. 🎯 What You'll Learn Why a basic will often isn't enough to protect your family and assets What really happens if you die without a will The difference between joint tenants and tenants in common How trusts can help protect wealth across multiple generations Why inheritance tax can become a major problem for property investors The role of holding companies and family investment companies Why lasting powers of attorney are just as important as wills How business owners can prepare for unexpected illness, incapacity or death If you've spent years building a property portfolio, this episode will help you understand the risks that many investors overlook and the practical steps you can take to protect your wealth, your business, and the people you want to benefit from it. Learn more about Strategic Asset Protection here: https://www.sap-legal.co.uk/ 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here. The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here. The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here. Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here. If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!

Most new HMO investors don't struggle because there aren't any opportunities. They struggle because they don't know where to start. They get overwhelmed by all the information, worry about making expensive mistakes, or spend too long waiting for the perfect time to take action. In this episode, I revisit one of the most important podcast episodes I've ever recorded because, if anything, the message is even more relevant today. I walk through the six key areas every new HMO investor needs to understand before buying their first property, and explain why getting these foundations right will save you time, money and a lot of frustration. 🎯 What You'll Learn Why you need a clear HMO strategy before viewing a single property How to find the right deals and build relationships with estate agents The planning, licensing and Article 4 pitfalls that catch out new investors The different ways to finance HMOs and recycle your capital as you grow What to expect from refurbishment projects and how to budget more accurately Why finding and managing the right tenants is critical to long-term success If you've been sitting on the fence, waiting until you feel ready, this episode will help you understand what really matters before buying your first HMO and give you the confidence to stop waiting and start building your portfolio. 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here. The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here. The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here. Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here. If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!

This week's episode is a little different. I recently joined Dan Hill for a Six Rounds episode of The Blueprint Podcast, where the format is simple: six surprise topics, no preparation, and no idea what's coming next. It made for a really honest conversation as we shared our thoughts on property investing, entrepreneurship, AI, the UK economy and what it really takes to build long-term wealth. We also explored the lessons we've learned over the years, how our thinking has evolved, and some of the habits and principles that continue to shape the way we do business today. If you've ever wondered how experienced investors think about risk, opportunity and the future of the property market, I think you'll really enjoy this one. 🎯 What You'll Learn What we'd do differently if we were starting again Our top property investing tips after years in the industry How AI is changing business and why it's only just getting started Our thoughts on the current UK property market and where we see opportunity The mindset and habits that have had the biggest impact on our success Simple business and productivity hacks we use every day Why reputation, relationships and long-term thinking matter more than ever I hope you enjoy this special crossover episode as much as I enjoyed recording it. 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here. The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here. The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here. Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here. If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!

Most investors focus on finding the perfect deal. But after nearly 20 years of investing, I've learned that long-term success has far less to do with chasing the biggest returns and far more to do with building the right strategy. In this special episode, I join Ant Lyons from Your Property Network (YPN) for an honest conversation about how my approach to property investing has evolved, why I'm still bullish on UK property despite the challenges, and how I think about building a portfolio that's designed not just for growth, but for the long term. 🎯 What You'll Learn Why I'm still investing in HMOs despite today's market conditions The investment criteria I use when assessing every deal How I balance cash flow, capital growth and risk across my portfolio Why chasing "unicorn deals" can actually slow your progress The biggest mistakes I see new HMO investors making How I approach Article 4 areas and planning risk The strategy behind building a portfolio with a clear long-term exit plan Whether you're buying your first HMO or looking to scale an established portfolio, this episode will help you think beyond individual deals and start building a property business that supports the lifestyle and future you actually want. You can find more of my interviews, articles and expert resources on my YPN Expert Hub here. 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here. The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here. The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here. Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here. If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!

Property development can be an incredible way to build wealth, but it's also one of the toughest paths in real estate. The challenge isn't just finding great opportunities, it's building a business that can consistently create capital, generate cash flow, and give you the freedom to scale. In this episode, I sit down with one of my mentees, property developer and investor Jon Fish , to unpack his remarkable journey from rescuing a struggling family manufacturing business to building a successful property company focused on luxury new-build developments and high-performing HMOs. With more than 15 years of hands-on experience, Jon shares the lessons he's learned about resilience, construction, business growth, raising finance, and creating a long-term property strategy that balances wealth creation with wealth preservation. 🎯 What You'll Learn How Jon turned a family crisis into a property development career Lessons learned from restoring a 10,000 sq ft factory with almost no budget Why Jon combines luxury new-build developments with HMOs How to identify and appraise profitable HMO opportunities The role private finance has played in accelerating growth Why systems, delegation, and business structure are critical for scaling The mindset shifts required to stop playing small and start thinking bigger If you're building a property business, looking to scale your portfolio, or trying to balance development projects with long-term cash-flow investments, this episode is packed with practical lessons, honest insights, and real-world experience from a developer who's spent more than a decade in the trenches and is now building an impressive portfolio with a clear vision for the future. 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here. The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here. The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here. Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here. If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!

Most property investors don't struggle because they can't analyse deals. They struggle because they don't know how to make a decision once the analysis is done. Should you buy it? Are you paying too much? Have you missed something important? Or are you simply stuck in analysis paralysis? In this episode, I share the exact 9-step decision-making framework I use to assess property opportunities, manage risk, and make confident investment decisions. After reviewing thousands of deals over the years, I've learned that successful investing isn't about finding perfect opportunities - it's about consistently making good decisions with the information available. 🎯 What You'll Learn How to build and apply a clear investment template The dangers of emotional decision-making and investor FOMO How to identify and challenge the assumptions in your deals Why evidence matters more than opinions Practical ways to control downside risk before committing How to avoid analysis paralysis and make decisions with confidence If you've ever spent weeks analysing deals, second-guessing yourself, or struggling to know when to move forward, this episode will give you a practical framework to help you make better investment decisions with greater clarity, confidence, and consistency. Download your copy of The HMO Investors Guide to The Renters’ Rights Act here: https://thehmoroadmap.co.uk/ 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here. The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here. The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here. Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here. If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!