#248

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37 Question Due Diligence Checklist / Auction Guide

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Direct to Vendor (DTV) Marketing is a great way to find deals at bargain prices with no competition.

This episode is a really deep dive into letter campaigns featuring Keith Firmin AKA DTV Keith.

Keith has accumulated a wealth of knowledge and experience in this space as his primary method of building his UK property portfolio in the North West of England with his wife, Kim.

During the episode, we discuss:

Keywords

#246

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Recent times have seen many UK property investors sitting on the sidelines or leaving the sector altogether.

But with interest rates gradually heading south, uncertainty around the Renters’ Rights Act and the recent budget also fading, perhaps now is the right time to buy.

That's the argument of this week's guest, Will Mallard

Will moved to the UK in 2017 from his native New Zealand where he started his professional career as a junior estate agent.

He’s an experienced investor and developer specialising in social housing, residential portfolios, and property trading.

He’s also the host of My Property World, a podcast with 280 episodes worth checking out.

During the episode, we discuss:

· Why now might be a good time to buy UK property, considering interest rates, recent legislation, and market uncertainty.

· The impact of rising population and the proportional increase in households on property demand.

· Landlords leaving the market and how this creates opportunities for new investors.

· The dynamics of previously rented properties being sold to owner-occupiers versus landlords.

· Current challenges facing the HMO sector, including rising utility costs and inconsistent commercial valuations.

· Key risks in property investment and the importance of understanding what could go wrong.

· Where the biggest opportunities lie in buying and fixing problem properties, especially those that are initially unmortgageable.

· The effect of increased institutional investment from companies like Lloyds, Grainger, and John Lewis.

· How to prepare a property portfolio for sale, focusing on profitability, compliance, and strong leases.

· The fundamental importance of being persistent and consistent in deal-finding, including networking, following up, and tapping into unconventional sources for discounted properties.

Keywords

UK property podcast, Expat property investing UK, How to buy UK property, Property investing for expats, Social housing investment UK, UK real estate podcast, Property investment tips UK, UK buy-to-let podcast, HMO investing UK podcast, Residential property UK insights, Preparing your property portfolio for sale UK, Discounted property deals UK, Institutional investors UK property, UK property market trends podcast, UK property strategies for expats, Property trading UK podcast, Networking for UK property deals, Commercial property investing UK, Social housing vs private renting UK, UK property legislation updates podcast, Landlord tips UK, Property developer UK interview, Property podcast with Will Mallard, Expat Property Story podcast, Overseas investor UK property podcast

#246

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37 Question Due Diligence Checklist / Auction Guide

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This is a special mini-episode updating you on the long anticipated and much feared autumn UK budget in November 2025, with expert opinion from Simon Misiewicz of Optimise Accountants Ltd

Optimise have produced more than 750 videos on their YouTube channel on all things Property Tax.

During the episode, we discuss:

• Context of the Autumn UK Budget
• Actual Announcements from the UK Budget
• Historical Changes Affecting UK Property Investors
• Analysis of Budget Impacts on Property Investors
• Broader Considerations for Expats and Cross-Border Property Ownership
• Other Budget Highlights Relevant to Investors
• Speculation about Future Policy Changes
• Specific Budget Changes for Expats
• International Tax Concepts: The Exit Tax

Keywords

UK property podcast, Expat property podcast, Property investment UK, UK property investing for expats, UK budget property implications, UK expat property investing, UK property taxes podcast, Mansion tax UK podcast, Stamp duty UK expats, UK income tax property owners, Property investing limited company UK, Section 24 landlords UK, Buy to let podcast UK, UK property tax changes 2025, UK property market podcast, Overseas property investors UK, UK property investing tips, UK tax for expats podcast, How does the UK budget affect expat property investors?, UK property investing as an expat, Best UK property podcasts for expats, Changes to UK property tax for landlords, Should expats buy UK property in a limited company?, UK property podcast Rachel Reeves budget, Autumn UK budget property impact podcast, Simon Mickiewicz UK property tax advice, UK property podcast WhatsApp group

#245

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37 Question Due Diligence Checklist / Auction Guide

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The average UK house price is £272,000 as this episode is released.

If you’re an overseas investor this means your Stamp Duty would be a staggering £22,640.

But what if you could legitimately avoid this charge by selling a property you don’t legally own.

Welcome to the world of Assisted Sales.

Paul Stapleton is an expert in this area, so I asked him to share his knowledge with the rest of us.

During the episode, we discuss:

• Advantages of Assisted Sales Over Traditional Flips
• Reverse engineering deals to maximize value
• Preference for homeowner-occupier end users
• Higher valuations on residential mortgages versus buy-to-let
• Negotiation tactics
• Traditional assisted sale model
• Paul’s lower-risk assisted sale approach
• Risk and Mitigation Tactics in Assisted Sales
• Case Study: Real-Life Assisted Sale Deal
• Working with independent agents and direct-to-vendor deals
• Letting agents as key sources for off-market deals
• Using online tools such as Rightmove and Property Engine
• Finding Independent Agents Remotely
• Managing Vendor Relationships
• Sold comparables for accurate GDV
• Feasibility of Assisted Sales for Remote Investors
• Technology and contractor solutions for remote management (Viewber and local agents)
• Outsourcing property inspections, refurbishments, and management
• Collaborations, Commission Sharing, and Deal Structures
• Vendor Negotiations and Objections
• Common seller objections: uncertainty about sales, valuations, profit distribution
• Dealing with agent “gatekeepers” and selling assisted sales concepts
• Flexible deal structuring
• Legal Mechanisms
• Explanation of second charge and power of attorney (and why Paul avoids)

Keywords

UK property podcast, UK property investment podcast, UK expat property podcast, investing in UK property podcast, UK property investing tips podcast, property market in the UK, UK property investing for expats, overseas property investor podcast, creative property strategies UK, UK assisted sale property, landlord podcasts UK, UK property sourcing podcast, UK property flip strategy, UK property stamp duty tips, how to avoid stamp duty as an overseas investor UK, assisted sales strategy UK property, UK property market for expats, remote property investing UK tips, UK property professionalization podcast episode, buying property in the UK from abroad podcast, UK landlord regulation podcast, finding off-market property deals UK, renovating UK property for profit podcast, best UK cities for property investment podcast, Expat Property Story podcast, Paul Stapleton UK property, FMP Property Engine review, Property and Entrepreneur Summit UK, learn UK property investing, UK property investment education podcast, UK property deal sourcing tips, UK landlord expert advice podcast, expat tips for UK property investment

#244

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37 Question Due Diligence Checklist / Auction Guide

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Have you ever heard the word probate and not really understood what it means?

Today’s episode gives a glimpse into the distribution of property owned by someone who has passed away.

Nick Kalms set up an auction house for selling probate properties, after spending 25 years as a property trader.

He named it Probate.Auction and he was joined for the interview by his Head of Partnerships Dan Marsden.

During the episode, we discuss:

• The meaning and legal process of probate
• Post-Covid delays in obtaining probate
• Differences between live and timed auctions, including the flexibility and increased sale rates in timed auctions post-Covid.
• The role of charity legacy teams and probate lawyers as key sources of vendor referrals, and examples of charities benefiting from auction sales.
• Buying probate properties at auction: always read the legal pack, especially the special conditions, and watch out for hidden or cleverly disguised fees.

Keywords

UK property podcast, UK probate property advice, Probate auction UK, Buying probate properties UK, Selling probate properties UK, UK auction property tips, Probate process UK, UK estate administration, Property investment UK podcast, Expat property UK, Special conditions auction UK, Probate legal pack UK, Property trading UK, Empty homes UK, Charity property auctions UK, Auction house UK, Guide price auction UK, Maximising value property auction, Probate property buyer UK, Estate agent vs auction UK, UK executor property sale, UK property completion times, Auction entry fee UK, British Wills and Probate Awards, UK property sales statistics, Legal pack for auction UK, Empty homes officer UK, Speedy property sale UK, Transparent property auction UK, Selling unmodernised property UK, Probate stamp duty exemption UK, Property due diligence UK, Investor property auction UK

#243

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37 Question Due Diligence Checklist / Auction Guide

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This episode is much more than a tale of two HMOs next door to each other just a few of minutes walk away from a large hospital in Wakefield.

It features experienced UK property investor Tom Appleton of Cali Living / Ten Equity

No. 48 is a high end 12 - bed HMO targeting doctors at the hospital.

It's been up and running with practically no voids since early 2023.

So when the chance to buy No. 50 came up, Tom didn't think twice.

He's now considering leasing his latest purchase to a provider of accommodation to newly arrived nurses from the Philippines.

But there is so much more to the episode than that.

We discuss:

· The value of Certificates of Lawful Use for HMOs and the detective work required to gather evidence for them, including statutory declarations and historical documentation.

· Transforming problematic properties through relationship-building with previous agents, local councils, and key stakeholders.

· The benefits and challenges of investing in high-end HMOs near major employers, like hospitals, and attracting professional tenants such as doctors and nurses.

· Strategies for managing tenant churn, maintaining occupancy, and ensuring steady cash flow in large HMOs.

· Exploring alternative strategies for property portfolio management: long-term leases to providers for supported living and service accommodation.

· Role of local councils in connecting investors with accommodation providers.

· Due diligence when leasing to providers: tips on vetting reliability, experience, maintenance & tenant profiles.

· Portfolio long-term planning, including keeping properties maintained and knowing when to pivot from professional HMOs to accommodation for social or supported housing.

· The importance of people and networking in property investing—from building trust with agents to nurturing council contacts, and why “who you know” is as vital as “what you know”.

Keywords

UK property investment podcast, Expat property investing UK, HMOs in UK property, Certificates of lawful use property UK, UK property portfolio building, Statutory declaration property evidence UK, Remote property investing UK, Social housing providers UK property, Supported living property investment UK, High end HMO case study UK, Council relationships UK property, Wakefield property investment, Leeds property investing tips, Long term property strategy UK, Passive income property UK, Commercial lease property UK, Due diligence property providers UK, Article 4 property area UK, Doctors and nurses HMO tenants UK, UK property renovation tips, Social housing lease agreements UK, Podcast for expat property investors, Building rapport in UK property, UK property law and planning, Certificate of lawfulness application UK

#242

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Justin Wilkins of Property X has a YouTube channel with over 250 videos largely aimed at those making their first moves in UK property.

One of them goes by the title of: Best Property Strategy to Start as a Beginner.

That strategy is flipping.

A flip is when you buy a property, renovate it to increase its value, and then resell it for a profit as quickly as possible.

In this episode, I play deveil’s advocate to Justin!

We discuss:

• Why Justin recommends Flipping for New Property Investors
• Risks Associated with Flipping vs. Buy-to-Let
• The Value of Hands-On Experience
• Dealing with Rising Renovation Costs
• Increased Competition in Property Acquisition
• The Importance of Volume in Deal Flow
• Managing Project Timelines and Profitability
• Flexibility in Exit Strategies
• Distinguishing 'Fast Pounds vs. Slow Pounds'
• The Need for Balance Between Action and Analysis

Keywords

UK property podcast, UK property investing podcast, Expat property podcast, British property investment podcast, UK real estate podcast, Investing in UK property as an expat, UK property investment strategies, Property flipping UK, Buy to let advice UK, Starting in UK property investment, Beginner UK property investor tips, UK property market trends podcast, Property sourcing UK podcast, Flipping houses in the UK, Buy refurbish refinance UK podcast, UK expat real estate advice, Managing UK property from abroad, Turnkey buy to let UK, Building a property portfolio UK, First time property investor UK, Slow pounds vs fast pounds property, Property renovation costs UK 2024, UK property flips vs buy to let, UK property investing for beginners, Real estate podcast UK expats, Tips for UK overseas property investors, UK property YouTube vs Podcast, Property investment education UK, Property mentoring UK expats, UK property investment cash flow, Property market competition UK, Selling UK property as an expat, Capital growth UK property, Risk management in UK property investing, Should I start with a flip or buy to let in UK?, How do expats invest in UK property?, Is property flipping still profitable UK?, What are the risks of flipping houses UK?, UK property podcasts for beginners, How much capital do I need for UK property investment?, UK property investment in Wales and Liverpool, How long does selling a property take in the UK?

#241

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This is a cracking episode you won't want to miss.

It features a case study of how Saif Rehan is making a potential gross profit of around 190K by:

Buying a portfolio of 6 houses from a retiring landlord

Trading 4 at auction

Reconfiguring the 5th

Developing the 6th into a 6 Bed HMO leased to a Social Provider which he can now either hold or sell.

We discuss:

· Need for supplementary income to maintain and grow property portfolios

· Importance of cash flow models

· Multiple sources of income

· Auction Pricing Strategy

· Experience of Together Finance for bridging

· Experiences with Serco and typical disputes over property condition

· Purchase of a six-house portfolio from a retiring landlor

· Tag-team strategy for maximizing portfolio deal value

· Disposal & Monetization of portfolio

· Critical importance of cash flow management

· Tension between speed, price, and certainty in property transaction

Saif Rehan on IG

Six-Property Portfolio: The Numbers

Overall Purchase:

• Price: £580,000
• Done up value: £900,000

Properties 1-4: Auction Trades

• Property 1:
  • PP 62K
  • Sold: 92K
  • Profit: 30K
• Properties 2 & 3
  • PP: 80K each
  • Sold: 110K each
  • Profit: 60K
• Property 4
  • PP: 80K
  • Sold: 97K
  • Profit: 17K
• TOTAL profit from four auction trades: About £107,000

Property 5: Flip (Reconfigured from Two-Bed to Three-Bed)

• PP: 80K
• Sold for 167K
• Profit 32K

Property 6: Converted to Six-Bed HMO (Social Housing)

• Purchase cost: Bought for 107K
• Refurb cost: 100K
• Profit: 53K

Keywords
UK property podcast, Expat property investing, UK property investment strategies, Buy to let UK, Auction property UK, Investing in UK HMOs, Social housing investment UK, Flipping UK property, Property portfolio management UK, Cash flow in UK property, Property investing for expats, UK property capital growth, Oldham property market, Property trading vs holding UK, Bridging finance UK property, Property deals UK podcast, Sourcing UK property deals, Landlord exit strategy UK, Net profit property investing UK, Accountancy for property investors UK, Portfolio efficiency property UK, Social housing providers UK, Property refurb UK podcast, Property development UK podcast, Speed vs price in property deals, Edward Mellor auctions UK, Together Finance UK, HMO conversion UK