The Property Nomads 공개
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The Property Nomads Podcast

Rob Smallbone & Aaron Devoy

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Property Nomads brings property and all things currency, money and macro straight to you. All with a no-nonsense attitude! EVENT MENTIONED ON PODCAST https://progressiveproperty.online/live-multiple-streams-of-property-income-interest-london/AMB4692 WHERE TO FIND US = https://linktr.ee/thepropertynomadspodcast SOVEREIGN MAN PREMIUM INTELLIGENCE MEMBERSHIP = https://dash.sovereignman.com/a/smc12m995/tpnpodcast SOVEREIGN MAN 4th PILLAR = https://dash.sovereignman.com/a/4pmain/tpnpodcast PROPER ...
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Rob discusses the issue of households wasting money on energy bills due to poor insulation, with millions reportedly wasting £500 a year. He provides advice on how to lower energy bills by improving insulation in homes, covering areas such as wall cavity, loft, floor insulation, and double glazing KEY TAKEAWAYS Millions of households are wasting £5…
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Rob delves into the topic of leasehold properties and whether leasehold is a dying concept in the real estate market. He talks about the issues surrounding leasehold properties, such as escalating service charges, ground rent fees, and unscrupulous developer practices, emphasising the importance of thorough research and due diligence when consideri…
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Rob looks into the topic of garage conversions and whether or not planning permission is required for such projects. He explains the concept of integral garages and how they are integrated into the dwelling, and highlights the importance of checking with local councils, planning consultants, and architects to determine if planning permission is nee…
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Rob discusses recent proposals by the SNP in Scotland that could potentially impact landlords and tenants. He delves into the idea of giving tenants the legal right to keep pets and redecorate their rented homes, however, he strongly criticises the SNP's plan to ban landlords from hiking rents, citing historical evidence and economic principles tha…
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Rob discusses the return of 99% loan-to-value mortgages, specifically focusing on a fee-free deal offered by Yorkshire Building Society for first-time buyers. While this may seem like a great opportunity, Rob stresses the importance of understanding the potential risks and economic factors involved in high loan-to-value mortgages. KEY TAKEAWAYS 99%…
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Rob delves into the topic of solar panel installations and explores why 16% of homeowners with solar panels claim that the technology isn't saving them money on their energy bills. He highlights key factors to consider when installing solar panels, such as roof space, compass position, shading, equipment placement, cabling, and living habits, empha…
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Rob discusses the impact of the Tory planning reforms in the UK housing market. The National Planning Policy Framework (NPPF) has removed mandatory house building targets and reduced the land supply councils need to allocate for housing. This has led to a decrease in planning permissions and an increase in rejected applications, ultimately exacerba…
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Rob discusses the council cladding chaos in the countryside, highlighting the challenges faced in balancing heritage and sustainability in property development. He focuses on a case study of a homeowner in Wiltshire who was ordered to remove £32,000 worth of cladding due to its unsympathetic appearance in a conservation area. The homeowner had inst…
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Rob discusses the government's plans to double council tax for empty homes in an effort to bring more properties into use and address housing shortages. The Department for Levelling Up is proposing to reduce the time before charging double council tax from two years to one year for empty properties. However, inherited properties will be exempt from…
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Rob discusses the impact of government policies on the cost of boilers and heat pumps for homeowners, landlords, and tenants. The government's Clean Heat Market Mechanism, aimed at promoting heat pumps and reducing carbon emissions, has led to fines for boiler manufacturers if heat pump installation targets are not met. In response, boiler companie…
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Roib discusses the cavity wall insulation claims scandal that has been affecting homeowners, particularly in Halifax. The episode delves into how unscrupulous companies have taken advantage of government incentives for cavity wall insulation, leading to poorly done installations and negative impacts on homes. Rob highlights the importance of doing …
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Rob discusses the government's plans to introduce new controls on holiday lets starting from the summer. The aim is to make housing more affordable for local residents, but Rob questions whether these measures will effectively address the issue, highlighting the importance of increasing the supply of housing as a long-term solution to the housing c…
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Rob examines into the recent announcement by Michael Gove regarding the ban on no-fault evictions by the next election. With a critical eye, he questions the government's motives behind this decision, suggesting it may be driven by a desire to secure votes rather than genuinely improving the rental system. KEY TAKEAWAYS Government's Motive for Bann…
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Rob looks into the repercussions of rent controls in Scotland, highlighting the imminent challenges faced by tenants and landlords alike. He dissects the government's decision to implement price controls and the subsequent impact on the housing market. KEY TAKEAWAYS Rent controls in Scotland are set to expire in April, leading to potential rent hik…
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Rob looks into the government's plans to scrap size limits for heat pumps and electric car chargers, highlighting the potential impact of these changes on noise pollution and the challenges faced by homeowners in installing heat pumps. KEY TAKEAWAYS The government are planning on scrapping size limits for heat pumps and electric car chargers under …
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Rob delves into the declining trend of construction cranes in the US and its potential implications for the commercial property sector. With a critical eye, he highlights the significance of this shift, suggesting that it may signal challenging times ahead for the economy. KEY TAKEAWAYS The decline in construction cranes in major US cities signals …
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Rob dissects the recent UK inflation figures and shedding light on the discrepancies in the reported data, unraveling the flaws and limitations of the Consumer Price Index (CPI) and mainstream media's portrayal of inflation. KEY TAKEAWAYS Rob highlights the limitations of the reported inflation figures, pointing out that the Consumer Price Index (C…
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Rob delves into the pressing issue of social housing and its impact on health. The episode begins by discussing the Housing Ombudsman's call for a reestablished link between housing and health, shedding light on the alarming statistics surrounding the conditions of social housing. Rob expresses frustration at the lack of mainstream media coverage o…
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Rob discusses the recent changes introduced by the government regarding planning permission and permitted development for solar panels. He explains that homeowners can now install solar panels on their roofs without going through the lengthy process of planning permission, but only under certain circumstances. However, there are limitations to this…
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Rob highlights three new net zero measures introduced by the government that may impact landlords and homeowners. The first measure is an increase in the grant for boiler upgrades, specifically for heat source pumps, from £5,000 to £7,500. However, Rob questions the effectiveness of this grant considering the high cost of installing heat pumps. The…
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Rob discusses the current situation in the Scottish housing market where Scottish councils are proposing to raise rents by as much as 8.4% to cover their costs, while private landlords are constrained by rent caps. Rob highlights the unfairness of this situation, as landlords face high mortgage rates and are unable to take advantage of the rent cap…
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Rob talks about the three essential reasons why rents are rising, challenging the mainstream media's portrayal of landlords and delving into the economic factors driving the increase in rents. KEY TAKEAWAYS One of the main reasons for rising rents is the decrease in supply caused by landlords leaving the market. This imbalance between supply and de…
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Rob discusses the recent scrapping of the new energy efficiency rules for rental properties in England, highlighting the impact this decision has on property portfolios and the rental market. Rob explains that the implementation of energy efficiency rules created uncertainty and led to landlords selling off their properties, reducing the housing su…
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Rob is joined by Chris Grant, an experienced property investor with a portfolio worth over £10 million. Chris shares his journey in the property industry, from starting as an estate agent to building his own portfolio through flips and investments. The focus of the episode is on the topic of rent-to-rent and rent-to-rent service accommodation, whic…
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Rob interviews Kevin Whelan, an economist, author, and founder of Wealth Builders. Kevin is an expert on SSAS pensions and shares valuable insights on tax-efficient pension strategies. He explains the difference between a SSAS and SIPP's, highlighting the benefits of using a SSAS to build wealth and become financially independent. Kevin discusses v…
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Rob and special guest, guest Sarah Poynton-Ryan discuss debt reduction, debt management, and Sarah's personal journey from financial struggles to becoming a successful entrepreneur in the property industry. Sarah shares her experiences of starting a photo booth business, facing debt and business challenges, and ultimately finding success through pr…
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Property investor Mark Winship of Gateway Accommodation shares his journey from elite sports coaching to property investment. Mark discusses how his background in coaching tennis and performance coaching has influenced his approach to property. He explains the concept of apart hotels, which are converted guest houses that offer self-catering facili…
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Rob is joined by Marc Champ of Wharf Financial, to discuss their predictions for the year 2024. They start by highlighting the positive signs in the property market, such as reduced interest rates and increased activity. They also mention the expectation of a decrease in the base rate and the potential impact of political events on the economy. The…
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Rob talks about the growing national debt in the UK and its potential consequences, drawing parallels between the current situation and the financial challenges faced by Britain in the 1970s. Rob highlights the unsustainable path of increasing debt, rising inflation, and mounting public debt, and discusses the possibility of a debt reset and the po…
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Rob shares various strategies and actions that listeners can take to improve their financial well-being in the coming years, and explores two assumptions: one for listeners who have no property and suggest acquiring property as a first step towards building wealth and security, and another assumption for those who already have a buy-to-let portfoli…
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Rob delves into the key differences between landlords and property investors, highlighting three main areas of distinction: role and focus, income generation, and involvement and time commitment. Landlords primarily focus on property management and rental income, while property investors have a broader spectrum of investment strategies. Landlords r…
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Rob talks about the surprising trend of countries, including Poland, buying large amounts of gold, focussing on the potential reasons behind this, such as a shift towards a new gold standard and the need for countries to meet the gold to GDP ratio requirement set by the EU. KEY TAKEAWAYS Poland's central bank has been aggressively buying gold in re…
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Rob is here to wish you a very happy new year, and three interesting facts about January 1st, including the introduction of the Julian calendar, the first time the Union Jack flag was flown in Dublin, and the overthrow of a Cuban dictator... KEY TAKEAWAYS Rob shares three random facts about January 1st, including the use of the Julian calendar in 4…
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Rob is joined by Marc Champ of Wharf Financial to discuss their predictions for 2023. They review their previous predictions, which included topics such as bridging finance, Bank of England rates, inflation, house prices, and the future of nuclear energy. They also assess the accuracy of their predictions and discuss the current state of the market…
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Rob shares three funky Christmas facts, including the origin of the word "Christmas," the tradition of hanging stockings, and the history behind Boxing Day. He's also here to wish listeners a Merry Christmas and a Happy New Year! KEY TAKEAWAYS The term "Christmas" is a contraction of "Christ's Mass," derived from Middle English and Old English phra…
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Rob is here to discuss a potential mortgage liquidity crisis that is brewing in the commercial property sector. Rob explains that the shift towards remote work has left many office spaces empty, decreasing their value and creating challenges for landlords and property owners. This crisis could have significant impacts on mortgage lending, interest …
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Marc Champ of Wharf Financial joins Rob to discuss the current state of the property market. Despite the usual slowdown during the festive season, Marc reveals that he has been unusually busy in recent weeks, attributing this to the decrease in interest rates, which has prompted investors to re-enter the market. They discuss the types of properties…
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Rob looks at the disappointment surrounding the UK government's decision to not include the leasehold ban in its new housing reform law. He stresses the importance of doing thorough research and having a reliable solicitor when purchasing a property, especially when it comes to leasehold houses and the potential issues with service charges and grou…
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Rob discusses two lighthearted yet absurd stories involving councils and their inefficiencies. The first story revolves around a West London council that sent bailiffs to collect unpaid council tax for a property that the council itself owned. This level of incompetence not only wasted taxpayer money but also caused distress to the individual invol…
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Rob examines an interesting law change that could potentially double council tax for second homeowners in Bath and North East Somerset, UK. As he explains, it is primarily a means for the council to generate more revenue, and Rob questions whether doubling the council tax will actually incentivise second homeowners to bring their empty properties b…
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Rob discusses the recent extension of the mortgage guarantee scheme by the government, which allows individuals with a small deposit to apply for a government-backed 95% mortgage guarantee, enabling them to get on the housing ladder. While this may seem like a great opportunity, Rob highlights the potential risks involved, particularly if the value…
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Rob discusses the exciting changes in the property industry following the UK autumn budget. The Chancellor announced reforms to streamline the system, including a new permitted development right that allows one house to be converted into two homes without the need for full planning permission. This game-changing development opens up new opportuniti…
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Rob welcomes back Adrian Benjamin to discuss property protection strategies. Adrian, with his corporate background and experience in property sourcing, shares valuable insights on how to protect yourself and your property business. They delve into the benefits of setting up a limited company for tax efficiency and how to utilise products like life …
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Rob discusses the potential impact of rising inflation on the economy, explaining that as pay rises outstrip inflation, people will demand higher compensation to cover the increased cost of living. This, in turn, leads to increased overheads for businesses, which may result in higher prices for consumers... KEY TAKEAWAYS Inflation is expected to in…
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Rob delves into the topic of heat pumps and their suitability for British homes, highlighting the potential disadvantages such as increased bills and the need for proper insulation. Rob also address the issue of noise levels, stating that heat pumps may be too noisy for built-up areas and terraced houses. KEY TAKEAWAYS Heat pumps are considered too…
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Rob talks about the potential introduction of inheritance tax and stamp duty cuts in the upcoming autumn budget, speculating on the impact these cuts could have on the housing market, with the possibility of stimulating demand and increasing prices. KEY TAKEAWAYS There are rumours that inheritance tax and stamp duty cuts could be introduced in the …
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Rob talks about the bankruptcy filing of WeWork, a shared office firm that was once valued at $38 billion. He highlights the significance of this event, as it indicates potential opportunities in the commercial property sector. With WeWork likely handing back real estate to banks and landlords, there may be deals to be done and empty properties ava…
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Rob recaps the key points from the recent King's speech, focusing on housing-related announcements. The first major point is the introduction of a new leasehold and freehold bill, which will ban leaseholds for new houses in England and Wales. Additionally, the standard lease extension period will be increased to 990 years. Rob talks about the poten…
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Rob interviews Adrian Benjamin, a financial protection specialist with over 10 years of experience in the banking industry. Adrian shares his expertise on protecting wealth for the short, medium, and long term, with a focus on family life planning. He discusses the importance of life insurance, wills, and trusts, and highlights the need for compreh…
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Rob dives deep into the two reasons why achieving net zero emissions is not feasible. highlighting the lack of infrastructure in the world's electric grids to support the rapid growth of renewable energy, and the issue of cost, emphasising that the implementation of environmental initiatives often leads to increased expenses for consumers. KEY TAKE…
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