56 minutes | Mar 24, 2023
Property News Update with Adam Lawrence 23/03/2023
Adam Lawrence and Myself unpick the News Stories from the last 2 weeks to understand what they mean for Property Investors. We discuss; Rent Controls, Landlord Taxes & Legislation - Looking specifically at the latest comments from Michael Gove on Rent controls and Landlord Taxes. What the Budget Meant for Property - There was not a huge amount of Property related points in the Budget speech but if you look through the detailed notes there is one that may impact supply of homes. The Banking Crisis in the USA, Credit Suisse and what this can mean for UK rates & Property. Evergrande & the Restructuring of Overseas Debt and How this Affects Global Real Estate. Breaking Down the Latest UK Inflation readings. Food prices, Energy, Housing costs etc and the difference between CPI, CPIH and Core Inflation and what they all mean for us. For more info about the Boardroom Club that myself and Adam run please contact email@example.com Thanks again to our sponsors www.signaturepropertyfinance.co.uk Hosted on Acast. See acast.com/privacy for more information.
56 minutes | Mar 17, 2023
Operating a 300 unit Residential Portfolio - Ross McColl
This is another cracker of an episode which is jam packed with phenomenal advice for anyone with a residential portfolio. I am Joined by Ross McColl who, with his brother owns and operates a high yielding portfolio of approximately 300 residential units in the South East. We discuss; How Ross left school at 16 with no qualifications then going back into education to do a Masters at Imperial College London in Finance and Economics in order to become a Citi Bank Trader. How he fell in Love with numbers and realised he could use his skill set to enhance a poorly run family property portfolio. How being thrown in at the deep end and having to asset manage difficult assets including dealing with over 150 evictions) gave him additional skills. The types of property that he invests in and why and how that has changed over time. Why looking at yield is such a strong driver for him. The types of tenants and why he began to focus on Temporary accommodation as a way to mitigate risk. Why he feels the lower end of the market has less room to fall. His approach to maintenance and focusing on the long term. Why he is so concerned about the removal of Section 21, EPC requirements and interest rates and what he is doing to mitigate those risks in his business. What he knows now that he wished he knew when he was getting started in property. How technology has benefitted his business And much more... As always thanks to our fantastic sponsors Signature finance who are lenders of Bridging and Development products. Don't forget to contact Tony@signaturepropertyfinance.co.uk and mention the Rodcast to have your legals paid for on their bridging or development loans. Ross mentioned https://www.konnexsion.com/ which I also use as a tool for property management which we have found to be a great product. Please leave a review on the podcast platform and share the episode with anyone you feel would be interested in it Hosted on Acast. See acast.com/privacy for more information.
42 minutes | Mar 8, 2023
Property News Update with Alicia Barlow 06/03/23
This is the first of our series on Property News Updates which we will be bringing you every fortnight. In this episode I am joined by Alicia Barlow who helps me to digest the big property news stories as well as deliver our opinions on them. We discuss; The most expensive residential property in Britain that has gone on the market for offers in excess of £250 Million. The latest report from Carbon Laces on EPC's vs the actual Energy usage of the 17,000 homes they researched. They found that on average EPCs overestimate Energy usage by 91% compared to actual usage which begs the question do we actually need to bring properties up to a C on EPC's and are EPC's fit for purpose? Home REIT - Two of their largest tenants have gone into voluntary liquidation, Several other tenants are taking them to court and withholding rent and they were last trading at almost 70% below their Net Asset Value. Mortgage Prisoners from prior to lending criteria changing. What does the new report funded by Money saving Expert say https://www.moneysavingexpert.com/mortgages/mortgage-prisoners/ Why Landlords are selling up? Why there is a net reduction in available dwellings when stock transfers from the private rental sector to owner-occupation. How this will affect the rest of the market as well as the public's perception of the Private Rental Sector? For more information about the Partners in Property Network meetings mentioned please visit www.partners-property.com If you are interested in the 7 day Property Business Retreat please contact me firstname.lastname@example.org As always a huge thanks to our sponsors www.signaturepropertyfinance.co.uk Hosted on Acast. See acast.com/privacy for more information.
50 minutes | Jan 26, 2023
Property & Pensions - James Hadley
In this episode we are joined by James Hadley from www.propertyfrompensions.co.uk James has a depth of knowledge on all things to do with property and pensions. If you think this is another sales pitch from a product seller about SSAS pensions then think again. James discusses the biggest mistakes he sees when people want to set up SSAS pensions. James gives great insight into the tax advantages of different types of pensions for holding property in as well as the costs of them and at what point different types of pensions are viable for investing in property. He goes onto to discuss GDCV's and how they can be used to allow your pension to own residential property, How pensions can protect business owners from creditors How to look at pensions as just a part of your holistic approach to your finances and long term plans and lots more. As always if you enjoyed the episode please share it and leave us a review. Hosted on Acast. See acast.com/privacy for more information.
46 minutes | Jan 6, 2023
Q4 Investment Mastermind- recorded 04/01/23
In the 4th episode of our series on investment picks we look over the investment environment as well as looking at how previous picks have performed so far. We then go on to discuss our investment picks for the last quarter of 2022 which include; High Yield Emerging Markets Bond ETF Gold and REITs If you enjoy the show please do not forget to leave us a review it helps us in our rankings and to attract more guests. Hosted on Acast. See acast.com/privacy for more information.
39 minutes | Nov 16, 2022
Supermarket Investment - Ben Green
I had a fantastic discussion with Ben Green, Principal of Atrato Capital the Investment Advisor to The Supermarket REIT (SUPR) SUPR is a FTSE 250 real estate trust and the UK’s only specialist grocery property investor. Atrato have advised SUPR since it’s IPO in 2017. Atrato sources, advises and asset manages all of Supermarket Income REIT's investments. Ben has over 20 years’ experience structuring and executing real estate transactions. He has completed more than £3.5 billion of sale and leaseback transactions with occupiers including Barclays, the BBC and Tesco. Ben qualified as a lawyer in 1997 and began his career at Wilde Sapte and Linklaters LLP. He left law in 2000 and has since spent his banking career at Barclays, Lloyds and Goldman Sachs where he was Managing Director, European Head of Structured Finance. In this episode we discuss; Why there is a belief that Supermarket assets are a resilient and counter cyclical asset class? How did the supermarket sector perform in previous recessions such as the GFC and what if anything may be different this time around? Why investors would invest in Supermarket assets when they yield similar to UK Gilts? SUPR recently fixed all its variable debt with an average period of 4 years and interest rate of under 3%. Fantastic! What would be some of the changes in the market you would want to see before SUPR moved some of that debt to variable rate or considered drawing down new debt without hedging? Around 81% of SUPR’s stores have index-linked rents. Is it concern you that many are capped at 4% increases despite inflation numbers going above that? Omnichannel Supermarkets seemed to thrive during the pandemic due to their ability to be adaptable. Is it expected that those gains made will return to pre pandemic levels? Around 12% of grocery shopping is done online vs in person. Which is more profitable for SUPR’s tenants and is that 12% expected to increase or decrease in the short and medium term based on cost of living issues? SUPR and British Airways Pension Fund hold a 50:50 stake in a JV which holds a 51% interest in the Sainsbury’s Reversion Portfolio. That portfolio is one of the largest in the UK with 26 stores. What advice would you give to businesses looking to position themselves as an attractive partner in a Joint venture? What Ben thinks about grocery led shopping centres or retail parks for the future vs stand alone stores? What are the positives and negatives? What are the biggest risks to this asset class currently and what are the key mitigants? What are some of the most obvious similarities and differences around the world in Supermarket assets? And lots more... Find out more information about The Supermarket REIT (SUPR) here https://www.supermarketincomereit.com/ You can also find out more about Atrato Group here https://www.atratogroup.com/ Thank you to our sponsors of the episode www.signaturepropertyfinance.co.uk If you require bridging or development finance please contact email@example.com and quote the Rodcast to get your legals paid for. Hosted on Acast. See acast.com/privacy for more information.
62 minutes | Oct 7, 2022
Identifying Investment Sectors - Mike Kovacs
Mike Kovacs is a founding partner of uk based real estate investment firm, Castleforge. https://castleforge.com/ Under his leadership they have invested £1 Billion of asset value into the UK and Europe combining research-led investment themes with vertical integration and in-house operating platforms. Mike has a great way of explaining how he identifies sectors in the real estate market to invest in. In this episode we discuss; How did someone from the states working in M&A at Blackstone become an investment manager specialising in UK and European Real estate? What's more important, investing with good management or investing into a good sector? How he decides on what sector to invest in for example flexi office space? How he sees different types of office investments performing over the next few years? What metrics or data would he would need to see to change his mind? How does the UK market differ to other markets? When investing into real estate how long is he forecasting to be in the investment until it matures. What has been the hardest thing about raising capital for investment and what advice would he give to people trying to raise capital? What advice would he give to a young person looking to get into the property investment industry? What is he bullish and bearish on? What is the biggest risk to his portfolio and what is he doing to mitigate it? What has been the biggest challenge in scaling his business? Hosted on Acast. See acast.com/privacy for more information.
56 minutes | Sep 27, 2022
Paul Davis - Background of Nimbus Maps Co-Founder
Paul Davis is probably best known for being a Co founder of Nimbus Maps, a tool for Property Developers and Investors to find the best off-market opportunities, assess them quickly and connect with owners. But did you know that Paul has a fantastic career in real estate prior to this including; a family investment business, starting and scaling a property consultancy advising Blue chip clients on Real Estate deals. In this episode we discuss; How Paul fell into the Family Property Investment Business. How that family investment business operated at the time and the type of assets they invested in and why. How Property Investment businesses differed then to now. The power of creating Capital uplift through asset management. How he and his brother started a consultancy business helping Blue Chip clients on their real estate deals. Some examples of how they saved these huge organisations £millions. How working with larger institutional clients differed from investing in lower value property assets. What advice he would give when working with family. How the recession we are currently facing compares to the last one for Paul. Did his and his brothers Oxbridge degrees in Engineering get put to good use? What made him pivot from consulting blue chip clients to starting Nimbus Maps. The toughest parts of scaling their business. And much more. You can find out more about Nimbus Maps here https://www.nimbusmaps.co.uk Hosted on Acast. See acast.com/privacy for more information.
56 minutes | Sep 21, 2022
Q3 Investment Mastermind - recorded 20/09/2022
*THIS IS NOT INVESTMENT ADVICE* I was joined by Adam Lawrence and Manish Kataria for our Investment Mastermind for Q3 of 2022. In these episodes we discuss the markets and then discuss what investments each of us are making in the Financial Markets. As ever we discussed the current markets and how the economy, Inflation and Interest rates are and maybe will, affect them. Topics include; Terminal Interest rates. How Bond yields correspond to Price to Earnings of some of the bigger markets. Core Inflation vs Inflation including Energy and Food. Sterling vs other currencies Oil Prices Central Bank views of short term pain as a price to pay for longer term stability. Wage Price spirals in other periods of Inflation vs now. Energy Caps Tax Cuts Bond Yields and their effect on Equities Value vs Growth Portfolio selection This quarter our picks are as follows and you can listen to the reasons why; Manish - Microsoft (Ticker MSFT) - from 26.00 minutes Adam - Short on UK 5 year Gilt via shorting a bond ETF - from 37.11 Rod - Antofogasta (Ticker ANTO) - from 46.29 As ever we really appreciate any reviews on Spotify and Apple iTunes and we love to hear your feedback Hosted on Acast. See acast.com/privacy for more information.
56 minutes | Aug 27, 2022
Property V.S. Pensions with Wealth Manager Charlotte Ransom
Charlotte has a stellar track record in Banking having been a Partner at Goldman Sachs and then as a Wealth Manager having won various awards and being Co Founder of Netwealth https://www.netwealth.com This Episode is Jam packed with info. We discuss; Charlottes background and why she co founded Netwealth. Individuals relationships with managing money. Property vs other investment options. Benchmarking your portfolio. Investment exposure and concentration. The need for capability when focusing on direct investment in a specific asset class. Volatility in the market. The importance of liquidity. Property vs Pensions invested in financial markets for funding retirement. Wealth management Fees and what investors should understand about them. The impact of reducing wealth management fees on your retirement. In recent times its the markets that have performed and not necessarily the wealth managers. Understanding the type of wealth advice you may need. Importance of having no emotional attachment when investing. How should people go about finding a wealth manager and questions to ask? Common mistakes in family finances and Estate Planning. If you would like to know more about Netwealth and the services they provide please visit https://www.netwealth.com Hosted on Acast. See acast.com/privacy for more information.
30 minutes | Aug 3, 2022
Developer Turned Lender - Tony Gilbertson
Tony Gilbertson has over 30 years experience in the property finance market as well as being a property developer during the difficult time of the great financial crisis. He certainly learnt the hard way what being a Developer is all about and used his experience to ensure that his lending business puts relationships at the core of their business model. It is a fascinating story and one I know you will enjoy listening to. In the episode we discuss; Tony's Background in Finance and how he became a property Developer. What happened to him in 2008 What he learnt from the Great Financial Crisis What made him decide to start a lending business What has been the hardest part of scaling a lending business What he sees as the biggest risks to his business and what he is doing to mitigate them. And lots more. You can find out more info on Signature by visiting www.signaturepropertyfinance.co.uk They also have an offer of free legals if you take any development or bridging loan and mention The Rodcast. Email Tony@signaturepropertyfinance.co.uk For information about the 7 day Property business retreat in October in Lancaster please email me firstname.lastname@example.org Hosted on Acast. See acast.com/privacy for more information.
45 minutes | Jul 15, 2022
Zoopla's Head of Research - Grainne Gilmore
I was so fortunate to be joined by Zoopla's Head of Research, Grainne Gilmore to discuss the UK residential market. In this episode we discuss; Grainne's background and how she came to be Head of Research at Zoopla? How does data from the portals typically differ from the likes of Land registry and Office for National Statistics (ONS) data? Benchmarking performance year on year can not give the clearest picture as the start point may have been in the pandemic but how is the market comparing to the longer term trends? How have cities performed and what does the data show for their future vs suburban areas? What data points are important when looking at forecasting House and rental prices? The biggest risks to the housing market and what can be done to mitigate them? Hosted on Acast. See acast.com/privacy for more information.
46 minutes | Jul 5, 2022
Single Family Homes - Samantha Kempe
Samantha Kempe is a Co Founder and Chief Investment Officer of Immo, Europe’s first technology-led residential real estate platform, designed to create quality portfolios of existing single-family rental (SFR) housing at speed and scale. https://immo.capital After a career in the corporate world of real estate at companies such as Cushman & Wakefield, PWC and Blackstone she met her other co founders and investors whilst doing he MBA at The London School of business and Immo was born. In this episode we discuss; Samatha's background in the corporate world and what helped to give her and her co founders the idea to start Immo. What problems Immo solves and is it seen as an Asset manager or a tech company? Why does Immo focus on Single Family Homes? What has institutional money targeted in the past when looking at residential property. How does the UK market compare to other residential markets? How has Immo used tech to enable it to build portfolios of single family homes at scale? And lots more. For more information about Immo, how to invest with them or for any other information on what they do you can contact Samantha on email Samantha.email@example.com Hosted on Acast. See acast.com/privacy for more information.
53 minutes | Jun 23, 2022
Investment Mastermind Q2 2022
**This is not Investment Advice** I was joined by Manish Kataria and Adam Lawrence on 21st June 2022 to discuss what is happening in investment markets. Both guests have a wealth of knowledge about the economy, the markets and investment in various financial assets. We decided to have a Quarterly Mastermind where we each pick an investment that is open to most people out there. Whether these are ETFs, Index funds, individual stocks or other financial instruments is up to the individual. We give reasons for our investment choices and then the other members give feedback and concerns on each pick. We are invested into these investment choices mentioned. Whether the choices will prove to be good in the long term, only time will tell. Manish's pick - A US financials ETF (XLF) through an option to earn some premium https://www.google.com/finance/quote/XLF:NYSEARCA?sa=X&ved=2ahUKEwiH_46gmsT4AhXFiVwKHX7tC9UQ3ecFegQIHRAY Adam's pick - Energy Sector specifically Oil and Gas through an ETF (IEO) https://www.google.com/finance/quote/IEO:BATS?sa=X&ved=2ahUKEwjGxLa2msT4AhU-Q0EAHYGxAyoQ3ecFegQICBAY Rod's pick - An individual contrarian stock pick, Meta https://www.google.com/finance/quote/META:NASDAQ Hosted on Acast. See acast.com/privacy for more information.
49 minutes | Apr 26, 2022
Build To Rent - Hannah Marsh
Hannah Marsh is Co Founder of HomeViews https://www.homeviews.com the residential review platform that provides trustworthy verified reviews and assists buyers and renters in making decisions on their new home. She is also the Author of the 2022 Build to Rent Report which you can find here https://business.homeviews.com/2022-build-to-rent-report/ In This episode we discuss; Hannah's background in marketing and business and how she came to be a Co Founder of Home Views. What were the biggest challenges in scaling her start up business. How has the BTR market in the UK changed over the past 5 to 10 years. What are the highest priorities from renters perspectives on new rental stock? How does what Developers should include into a BTR development change from inner city to suburban sites? With BTR so highly rated by residents on HomeViews what are BTR developers getting right in terms of their end product? What are the biggest mistakes you see BTR developers make in terms of their end product? How important is the management of the rental properties vs the amenities for renters? How do you see BTR increasing its market share in the UK PRS over the next few years? What are the biggest risks to BTR developers and what can they do to mitigate that? and lots more The link to the BPF report mentioned in this episode can also be found here https://bpf.org.uk/our-work/research-and-briefings/who-lives-in-build-to-rent/ Once again a huge thanks to www.signaturepropertyfinance.co.uk for sponsoring the Rodcast. If you are looking for a Bridging or Development Product get in touch with firstname.lastname@example.org and when you mention The Rodcast they will pay your legals! Hosted on Acast. See acast.com/privacy for more information.
50 minutes | Apr 5, 2022
Social Housing - Paul Bridge CEO Civitas
Paul Bridge is the CEO of Civitas a leading impact investor. Paul is responsible for the Social Housing side of the business and joined Civitas after a distinguished career running some of the top Housing Associations and Registered Providers. Paul was instrumental when Civitas had an IPO of the first social Housing specific REIT on the London Stock Exchange. In this episode we discuss; Paul's background and experience in running Housing Associations responsible for 25,000 plus homes His advice to residential landlords looking to scale their portfolio. What was it that made him move on to join Civitas? Social housing and the different types of housing that the term encompasses. What are the key metrics he looks at for the REIT and what metrics/ data is he finding that investors want to see now that maybe they were not as interested in 5 or 10 years ago? What we're the biggest challenges in raising investment for the IPO? How are they future proofing their current stock of housing? Is there a concern about the increase in new rents in the PRS making a fixed rent for a longer lease period (as many social houses are) look to possibly underperform vs the rest of UK rental stock and cause even less supply to be considered for social housing? The majority of the Social housing stock they own is existing homes. Does he see Civil investing in more new build stock? How does the social housing market in the UK compare to other nations and what can we learn from those? What does he feel some of the biggest risks are to the public and private social housing? and lots more. You can find more information regarding Civitas and their Social Housing REIT at https://www.civitasim.com Once again a huge thanks to www.signaturepropertyfinance.co.uk for sponsoring the Rodcast. If you are looking for a Bridging or Development Product get in touch with email@example.com and when you mention The Rodcast they will pay your legals! Hosted on Acast. See acast.com/privacy for more information.
57 minutes | Mar 22, 2022
Financial Planning - Jon Rose
Jon Rose from Suitable life https://suitablelife.co.uk is not your standard IFA. He became one out of necessity and has an incredibly insightful perspective on how individuals should plan their finances around the different stages of their life. This is such a vital episode for everyone to listen to regardless of your business, job or investments. We discuss; Jon's career in Business and property and the life events that brought him to becoming a Financial Advisor. The mistake people make in focusing on financial products and wrappers and allowing them to be the tail that wags the dog. Where individuals should start in trying to plan finances for different stages of life, retirement and passing on. The various stages of retirement and what they mean for us as individuals and the finances that they require. Wealth creation vs Wealth use and is there any middle ground. Taking advice from those that are motivated by our decision to purchase financial products or invest into specific assets. And lots more We love to hear your feedback so please leave us a review on the platform you listen to podcasts on or at our website https://www.podpage.com/the-rodcast-property-business-investment/ where you can also subscribe to our newsletter Once again a huge thanks to www.signaturepropertyfinance.co.uk for sponsoring the Rodcast. If you are looking for a Bridging or Development Product get in touch with firstname.lastname@example.org and when you mention The Rodcast they will pay your legals! Hosted on Acast. See acast.com/privacy for more information.
68 minutes | Mar 8, 2022
Energy Performance, Sustainability & Carbon in Buildings - Dion Mellows
I was joined in this episode by Dion Mellows the Managing Director of SHA Envirnmental https://shaenvironmental.co.uk Dion is an Energy, sustainability and Carbon consultant for the Built environment who has been awarded by the industry awards for energy for his pursuit of energy performance to make peoples lives better. In this episode we discuss the difference between carbon reduction, energy performance and improving EPCs, what they all mean and what can be done to improve on each of these in existing building and new builds. The UK energy market vs other markets. What are the issues with current energy legislation for buildings? Typical energy demands of residential buildings. Where the majority of energy is used in residential buildings. Gas supply in the UK. Gas substitutes. Insulation for reducing heat loss as well as reducing the chances of overheating. How roof colours and exterior types can improve overheating in summer. Cost benefit of energy performance for end users as well as property investors. Cost efficient fixes for existing buildings and new builds for improving EPCs and Energy performance. The importance of air permeability. How EPC assesors can assess. Different certifications of certain materials and how the certifications can differ in their scoring on EPCs Different types of Electric heating systems. Changes in the regulations. Financing benefits of having better EPCs for developers and investors. As always a huge thanks to our sponsors of the episode www.signaturepropertyfinance.co.uk If you are looking for a bridging or development lender please contact email@example.com and mention The Podcast to get your legals paid for on any loan. Hosted on Acast. See acast.com/privacy for more information.
37 minutes | Feb 22, 2022
Manish Kataria - Investing 101
In this episode I'm joined by investment expert Manish Kataria. If you do not know Manish then it may be worth listening to episode 30 where Manish gave an economic Outlook for Property Prices at the start of the pandemic and his predictions were on the money. Manish joins me again to discuss investment as a whole with some brilliant insights into portfolio construction as well as how you may want other types of investments to fit around your property portfolio. We discuss how central banks and governments can telegraph their decisions in advance of them taking place. If lockdowns and restrictions are done is this good or bad for asset prices? How interest rates drive asset prices. How important do you think interest rates are for different asset prices? Do interest rate rises actually affect different types of inflation? Statistic manipulation and how inflation is calculated vs historical measures of inflation. Approaching building an investment portfolio of uncorrelated assets. What the majority of UK real estate is exposed to? Technology stocks, growth and value rotation. Passive vs actively managed funds. Options trading. And much more You can learn more about Manish at www.investlikeapro.co.uk As always a huge thank you to www.signaturepropertyfinance.co.uk for sponsoring this episode. If you have any requirements for bridging or development finance get. in touch with firstname.lastname@example.org and mention "The Podcast" to have your legals paid on any Development or bridging loan. Hosted on Acast. See acast.com/privacy for more information.
57 minutes | Feb 7, 2022
Kwasi Affum - Post Covid Trends
As with the last time I spoke to Kwasi in episode 11 I thoroughly enjoyed this discussion. Kwasi Affum is a VP at Barclays as well as personally investing directly in property. He has a brilliant way of explaining complex subjects and it is just a shame we didn't have 4 hours to talk. In this episode we discuss; Investing for wealth creation vs wealth preservation. The difference in strategies for investing at institutional level vs personal level. How Property as a business can often be a private equity play. How institutional money securitises the income of property. Property should not be seen as fixed income unless the portfolio is a significant size which is why indirectly investing in REIT's and funds can be better than direct investment if fixed income is desirable. Environmental trends and does the cost of ESG actually generate a good return. The office market. How the timeframe of investing into assets can change the market. NFTs and the metaverse- what they are and why might people want to invest in virtual land and property. How thinking about returns of an investment in relation to a risk free rate at different points in time is important. and lots more. As ever huge thanks to https://signaturepropertyfinance.co.uk who made this episode possible. If you require a bridge or development product then go direct to a very fast and flexible lender. Hosted on Acast. See acast.com/privacy for more information.