Scottish Property Podcast

By: Nick Ponty and Steven Clark
  • Summary

  • A weekly podcast focused on keeping property investors informed and educated on the Scottish property market. Co-hosts Nick Ponty and Steven Clark share their own experiences, answer questions and talk to experts in the industry.
    Nick Ponty and Steven Clark
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Episodes
  • House Prices Surge 6% as Mortgage Lenders Ignite Rates War with Michael Maloco
    Sep 30 2024
    In this episode of the Scottish Property Podcast, we welcome back Michael Maloco for the September market update. Michael, a seasoned property consultant, offers valuable insights into the current trends shaping Scotland’s property market. From mortgage rates to house prices and rental demand, this episode covers the latest news and analysis for investors, homeowners, and property professionals alike. Episode Highlights: Bank of England and Mortgage Rates: The Bank of England has kept the base rate steady at 5%. However, there is a prediction of gradual rate drops, with future rates expected to settle around 3.5%.Lenders are starting to offer competitive mortgage rates under 4%, and there is a noticeable battle among lenders in the market. House Prices: Scotland’s house prices have risen by 6% year-on-year, with Aberdeen being the only area seeing a decline.While the property market shows strong growth, larger detached homes are slower to sell compared to smaller properties, particularly in areas like Dunfermline. Rental Market: Rental inflation has slowed to 5.4%, the lowest in three years, though demand remains high.Fewer rental properties are available compared to pre-pandemic levels, and landlords are slowly exiting the market due to potential tax changes.Rents are predicted to rise further in 2024 and 2025 due to limited supply. Impact of Government Policies: The episode discusses the effects of rent caps and other government measures on the rental and buy-to-let markets, with a focus on how these policies are driving landlords away from the sector.Developers in Edinburgh are shifting from building homes to student flats due to legislative challenges in the private rental sector. Aberdeen Market: While Aberdeen continues to experience lower property prices due to the oil market downturn, it presents opportunities for investors seeking long-term capital growth. Global and Political Influences: Global factors like the geopolitical situation and potential changes in the UK government are seen as potential influencers on the property market’s direction.The upcoming UK budget may also impact the market, with possible tax adjustments on the horizon. Tune in to hear expert analysis from Michael Maloco and stay informed on the latest developments in Scotland's property market! ---------------------------------- Follow Prime Property Auction on Instagram: Prime Property Auction: https://www.instagram.com/primepropertyauctions/ John: https://www.instagram.com/john_property_auctioneer/ Luis: https://www.instagram.com/luis_property_auctioneer/ Visit Prime Property Auction website: https://primepropertyauctions.co.uk/ ------------------------------------ Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast **DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise. 🤝 Visit one of our monthly networking meet-ups. We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⭐️⭐️⭐️⭐️⭐️ Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify. Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📩 Email us: Steven@steven-clark.com Nick@arcproperty.uk
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    53 mins
  • Building a 40k-Follower Brand While Flipping Houses with Emma Watson
    Sep 23 2024

    In this episode of the Scottish Property Podcast, we chat with Emma Watson, property investor and social media influencer behind “Renovate with Emma.” Emma shares her inspiring journey from a successful corporate career in PR to becoming a full-time property investor. She discusses how she started during lockdown, her experiences with DIY renovations, and the challenges of managing projects with limited budgets. Emma also shares how her social media presence has grown, attracting opportunities and followers who are inspired by her creative, hands-on approach to property investment.


    Episode Highlights:


    Emma’s Start in Property:

    • Emma started her property journey in January 2020, buying her first auction property with her ex-partner just before the COVID-19 pandemic hit.

    • Initially, the couple had no experience in DIY, but when lockdown affected tradesmen availability, Emma had to roll up her sleeves and learn skills like plastering to keep the project moving.


    Transition from Corporate to Property:

    • Emma worked as Head of Communications and PR for THG in Manchester before deciding to leave her corporate job and pursue property investment full-time.

    • A combination of personal and professional challenges, including the passing of her sister, led Emma to re-evaluate her priorities and make the bold move to focus on her passion for property.


    Creative DIY Projects:

    • Emma shares stories of her creative approach to property renovations, including how she sourced free kitchens, upcycled materials, and maximised budgets on her projects.

    • Her attention to detail and passion for interior design helped her properties stand out, even landing one of her projects on Channel 5’s “Dream Kitchens and Bathrooms.”


    Challenges of DIY and Bridging Finance:

    • Emma reflects on the stress of managing projects under tight deadlines with bridging finance during lockdown.

    • She also discusses the importance of learning hands-on skills and being resourceful when tradesmen are unavailable.


    Building a Social Media Brand:

    • Emma’s Instagram account “Renovate with Emma” has grown to nearly 40,000 followers, where she shares her renovation journey, DIY tips, and creative interior design ideas.

    • She credits her success to building strong relationships with her audience and focusing on quality content over quantity.


    Advice for Aspiring Property Investors:

    • Emma encourages new investors to take risks, be resourceful, and find joy in the process, even when faced with challenges.

    • She also discusses the importance of developing skills, managing trades, and taking control of project management to ensure successful outcomes.


    Tune in to this episode for an inspiring conversation with Emma Watson, packed with valuable insights for both new and experienced property investors. Learn how she transformed her passion for property into a full-time career and built a thriving social media brand along the way.


    Follow Emma Watson:

    Instagram: @renovate_with_emma


    Don’t forget to subscribe to the Scottish Property Podcast for more property tips, expert insights, and inspiring stories from the world of property investing!

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    55 mins
  • Unlocking Massive Cashflow with CMO Strategy with Jerry Alexander
    Sep 15 2024

    In this episode of the Scottish Property Podcast, we are joined by Jerry Alexander, an experienced commercial property investor, to dive deep into the Commercial Multiple Occupancy (CMO) strategy. With over 20 years of experience, Jerry shares valuable insights on how this model works, the benefits of reducing risk with multiple tenants, and the potential for significant cash flow. Whether you’re new to commercial property or looking to scale, this episode is packed with practical advice and strategies.


    Episode Highlights:


    - Introduction to the CMO Strategy:

    - CMO involves renting a single commercial property to multiple tenants who share common areas.

    - The model reduces risk by spreading the income across multiple tenants, unlike FRI (Full Repair and Insurance) leases, where one tenant occupies the entire property.


    - Benefits of CMO:

    - The CMO model provides flexibility, allowing investors to adjust rental prices and quickly fill vacancies.

    - It generates better cash flow and reduces vacancy risk, as losing one tenant doesn’t significantly impact overall income.


    - Challenges of Managing CMO:

    - CMO properties require active management, as investors need to handle day-to-day operations and tenant management.

    - Scaling is essential to making CMO more manageable, as smaller properties can become time-consuming and operate like a full-time job.


    - Tips for Getting Started with CMO:

    - Jerry advises new investors to start with a building that houses their own business, making them both tenant and landlord.

    - He suggests looking for properties that are partially tenanted to secure income while completing renovations.


    - Financing and Scaling CMO:

    - Investors should engage brokers early and explore private finance options for greater flexibility.

    - Larger properties tend to generate more profit as they spread operational costs over more tenants, making them easier to manage and scale.


    - Common Mistakes to Avoid:

    - Jerry stresses that size matters—smaller projects can become a job, while larger ones offer better returns.

    - He also warns against neglecting to reinvest in properties, as failing to upgrade can lead to lower rental returns over time.


    - Future Projects and Long-Term Goals:

    - Jerry shares his passion for historical and character buildings, which he’s focusing on for future projects.

    - His goal is to build a property portfolio that runs independently, allowing him to step back from day-to-day operations.


    Tune in to hear Jerry’s expert advice on mastering the CMO strategy and learn how to build a profitable, scalable commercial property portfolio!


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    Follow Jerry Alexander on Instagram @jerryalexander.commercial for more insights, and check out his Commercial Property Investor Podcast for additional resources and episodes on commercial property investing.

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    1 hr and 9 mins

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