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The HMO Podcast
Alle als (un)gespielt markieren ...
Manage series 3416806
Inhalt bereitgestellt von Andy Graham. Alle Podcast-Inhalte, einschließlich Episoden, Grafiken und Podcast-Beschreibungen, werden direkt von Andy Graham oder seinem Podcast-Plattformpartner hochgeladen und bereitgestellt. Wenn Sie glauben, dass jemand Ihr urheberrechtlich geschütztes Werk ohne Ihre Erlaubnis nutzt, können Sie dem hier beschriebenen Verfahren folgen https://de.player.fm/legal.
Welcome to The HMO Podcast, the dedicated resource for HMO and Co-Living property investors and developers! Join me and my special guests to learn everything you need to know about HMO property investment, from the tips, tricks and hacks that can save you time and money, to the best practice advice, the technical 'know-how' and inspirational stories of success and failure that will help you start, scale and systemise your very own HMO portfolio or business today.
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311 Episoden
Alle als (un)gespielt markieren ...
Manage series 3416806
Inhalt bereitgestellt von Andy Graham. Alle Podcast-Inhalte, einschließlich Episoden, Grafiken und Podcast-Beschreibungen, werden direkt von Andy Graham oder seinem Podcast-Plattformpartner hochgeladen und bereitgestellt. Wenn Sie glauben, dass jemand Ihr urheberrechtlich geschütztes Werk ohne Ihre Erlaubnis nutzt, können Sie dem hier beschriebenen Verfahren folgen https://de.player.fm/legal.
Welcome to The HMO Podcast, the dedicated resource for HMO and Co-Living property investors and developers! Join me and my special guests to learn everything you need to know about HMO property investment, from the tips, tricks and hacks that can save you time and money, to the best practice advice, the technical 'know-how' and inspirational stories of success and failure that will help you start, scale and systemise your very own HMO portfolio or business today.
…
continue reading
311 Episoden
Alle Folgen
×In this week's episode, I’m joined by Ryan Etchells from Together . Ryan is the Chief Commercial Officer at Together, one of the UK’s leading specialist lenders. With a huge lending book, a strong appetite for HMOs, and years of experience in the sector, they really know their stuff. What you’ll discover today is that Ryan brings a unique and valuable perspective from the lender’s side of the table. He shares some brilliant insights—and, more importantly, practical advice—that could help you strengthen your applications and build better relationships with lenders. So, if you’re finding it tough to get the results you want from a lender, or if scaling your property business has hit a financing wall, then this episode is one you don’t want to miss! Topics covered in this episode: 03:13 - Understanding Together Finance and Its Unique Approach 07:43 - Current Trends in HMO Lending and Market Dynamics 12:45 - The Importance of Relationships with Lenders 17:04 - Defining a Good Deal in the HMO Market 34:54 - Case Study: A Unique HMO Investment Story - Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify ! Got any questions? Join The HMO Community on Facebook! Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.…
Struggling to Get Your HMO Business Off the Ground? You're Not Alone... In this episode, we’re tackling some of the biggest challenges investors face when trying to grow their HMO businesses. If you’re finding it hard to build momentum, if costs are rising, timelines are stretching, and the numbers just don’t look as promising as you expected—this one’s for you. I’ll be breaking down the five most common strategic mistakes that I see time and time again, which could be holding you back from the success you’re aiming for. More importantly, I’ll be sharing practical solutions to help you overcome these challenges and move forward with clarity and confidence. Whether you’re just starting out or looking to scale, don’t miss this honest and insightful discussion designed to help you build the HMO business you really want—faster and more effectively. Topics covered in this episode: 01:27 - The Five Strategic Mistakes in HMO Investing 03:35 - Chasing Unicorn Deals 11:17 - Underestimating Pre-Commencement Costs 16:24 - Outsourcing Without Understanding 19:47 - Not Playing the Numbers Game 22:16 - Wasting Visibility Opportunities - Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify ! Got any questions? Join The HMO Community on Facebook! Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.…
In this episode, we’re talking about planning permission — and how you can use permitted development rights to get the most out of your property projects. I’ll explain what you can do without needing full planning, and highlight the key caveats that can limit those rights. We’ll also cover the types of projects that always require full planning permission, and the important considerations even when permission isn’t technically needed. If planning has ever felt confusing or overwhelming, you’re not alone — it is a complex part of property investment. But with nearly 20 years of experience, I’ll help you make sense of it. Once you know the rules, it’s far more manageable, and there are real opportunities to move faster and grow your property business. So if planning has been holding you back, this episode is for you. Topics covered in this episode: 03:00 Understanding Permitted Development Rights 12:01 Caveats and Restrictions in Permitted Development 23:46 Navigating Conservation Areas and Planning Permissions 31:11 Understanding Full Planning Permission Requirements 39:36 Key Considerations Beyond Planning Permission - Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify ! Got any questions? Join The HMO Community on Facebook! Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.…
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The HMO Podcast

1 Base Rate Reduction, HMO Lending & Why Your Rooms Might Take Longer to Fill – with Ellie Broadhurst 28:05
In this episode, I’m delighted to welcome back our trusted specialist mortgage broker — Ellie Broadhurst. If you've been tuning in for a while, you'll already know that Ellie’s insight into the lending market is second to none. She's right at the coalface, working with lenders and investors every day, and she has an incredible ability to cut through the noise and explain what’s really going on. Since our last conversation, the base rate has been reduced — something we anticipated might be on the horizon. So in this episode, we unpack what that change actually means. We’re talking mortgage products, swap rates, investor sentiment, market dynamics, and that all-important question: should you fix or track your mortgage? As always, Ellie brings practical advice, real-world context, and her signature no-nonsense style. Whether you're refinancing, planning your next purchase, or just trying to stay ahead in a shifting market, this episode is packed with value. Topics covered in this episode: 02:54 Base Rate Reduction and Market Reactions 06:02 Fixing vs. Tracking Mortgages 08:52 Current Market Dynamics and Business Volumes 12:02 Rental Market Trends and Tenant Behavior 14:48 Future Predictions and Economic Outlook Contact Ellie here , if you’re interested in discussing your HMO mortgage and finance needs. - Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify ! Got any questions? Join The HMO Community on Facebook! Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.…
I’m sharing a recent conversation I had as a guest on The BEESPACE Podcast , hosted by my good friend Jade McNeil. Jade and I covered a wide range of topics—not just HMOs and property—but also the bigger-picture stuff: balancing life and business, navigating challenges, and the personal shifts that come with experiences like becoming a parent or facing health scares. It’s a really open and honest chat. If you're running a business, managing a property portfolio, or simply trying to keep up with everything life throws at you, I think you’ll find this episode both relatable and insightful. Topics covered in this episode: 09:02 - Career Transition From Physiotherapy to Property 21:05 - Building Arcvelop Investor Group 27:57 - Navigating the Challenges of Property Development 31:09 - Building Credibility Through Consistency 33:45 - Creating The HMO Community and The HMO Roadmap 39:17 - Navigating Social Media Challenges 47:09 - The Impact of Fatherhood on Business - Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify ! Got any questions? Join The HMO Community on Facebook! Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.…
Whether you're personally investing in property or not, most people understand just how challenging it can be to find reliable builders and contractors. And we all know – regardless of our experience in property – how difficult it is to keep project costs sensible and under control. But as HMO investors, we recognise that this is a crucial part of building a successful business. We need to be able to secure the best contractors at the most competitive prices. In this episode, I’m going to share exactly how I go about doing this. Topics covered in this episode: 01:23 - The Importance of Finding Good Contractors 03:26 - Planning Ahead for Contractor Engagement 12:04 - Building a List of Potential Contractors 20:35 - Preparing the Information Pack 31:04 - Understanding Contracts and Agreements 37:39 - Building Long-Term Relationships with Contractors - Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify ! Got any questions? Join The HMO Community on Facebook! Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.…
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The HMO Podcast

In this episode, we’re breaking down the headlines and taking a deep dive into the data to uncover what’s really happening in the UK property and rental market. This is your April HMO Property Market Update—covering everything from house prices and mortgage rates to changes in tenant behaviour, the rental market, and new regulations. We’re covering it all in this episode. Whether you're a landlord, investor, or just keen to stay informed, this is your full market download to help you navigate the landscape with clarity and confidence. Topics covered in this episode: 02:31 – In-Depth Look at House Prices 10:05 – Rental Market Trends & Tenant Behaviour 16:08 – Interest Rates & Mortgage Updates 20:11 – Key Changes in Legislation & Licensing 23:03 – Broader Economic Overview 25:24 – Effects on the Student Housing Market - Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify ! Got any questions? Join The HMO Community on Facebook! Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.…
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The HMO Podcast

In today’s episode, I’m really excited to be joined by Jack Jiggens of XP Property , a very experienced property investor and developer. Jack has learned a lot over the years, and today he’s sharing what it really takes to build a successful property business. Jack shares tips on finding deals, working with partners, and getting funding. We also talk about the ups and downs of the journey, and why being flexible and always learning is so important in this industry. If you’re in property—or thinking about it—this one’s packed with useful advice. Topics covered in this episode: 03:00 – Jack’s Journey into Property Development 10:01 – Key Insights on Building a Property Business 20:02 – The Importance of Strategic Partnerships 23:48 – Funding Strategies for Growth 32:14 – How to Find and Structure Profitable Deals - Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify ! Got any questions? Join The HMO Community on Facebook! Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.…
They’ve won awards, they’ve grown their portfolio steadily and strategically, and they’ve done it all while raising a young family. Jake and Lucy of Innova Property—mentors at the HMO Roadmap and recently crowned HMO Property Investors of the Year at the Property Investors Awards—are back on the podcast! In this episode, we’re pulling back the curtain on what’s been going on behind the scenes in their business. You’ll hear how they’ve continued to grow in a tough market, and the practical strategies they’re using to stay on track and scale sustainably. If you’re looking to grow your own property business—whether it’s recycling more cash, accessing funding, finding great deals, building better systems, or simply freeing up your time—this episode is packed with actionable insights. Especially if you’re trying to juggle it all alongside family life, travel, or other commitments. Topics covered in this episode: 02:59 – The challenges of scaling a property business 06:02 – Diversifying your property portfolio strategically 11:56 – Systemising operations to boost efficiency 15:09 – Knowing when it’s the right time to sell 18:06 – The importance of rental confidence in today’s market 20:30 – How the HMO landscape is evolving 25:14 – The three key pillars of successful property investing 28:09 – How to build and nurture strong investor relationships Listen to other episodes with Jake & Lucy: Ep 14 - Jake & Lucy - Building A Portfolio Using Parallel Strategies & A 25% ROI Case Study Ep 143 - More Properties, Bigger Projects And Even Better Results with Jake And Lucy Want to join Jake & Lucy’s 1-2-1 mentoring program? You can enquire here. - Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify ! Got any questions? Join The HMO Community on Facebook! Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.…
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The HMO Podcast

In this episode, I shared the five most difficult aspects of investing in HMOs—and property in general. These are the challenges that have nearly made me quit on more than one occasion. If you’ve been investing long enough, you’ve likely faced some of these issues. By being open and honest about them, we can better prepare ourselves and realise we’re not alone in experiencing them. Knowing that others face the same struggles can give us the motivation to keep going. This episode is important because the issues we’re discussing are serious. Topics covered in this episode: 03:01 The Five Difficulties in HMO Investing 05:54 Planning Challenges 12:08 Financial Risks 17:54 People Management 22:01 Finding Deals in a Competitive Market 25:46 The Importance of Resilience Please leave us a quick review on Apple Podcasts or Spotify to help us celebrate this milestone! - Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business.…
In this episode, we're revisiting a popular episode where I answered a question I’ve been asked many times: what would I do if I had to start from scratch, but with £100,000? This is a common question in our community, and while the answer depends on personal goals, resources, and limitations, I’m going to share exactly how I would approach it. I believe my method is adaptable to any situation, and I hope you find it useful and insightful. Reflecting on my own journey has been fun, and I’m excited to share tips and strategies that can help you, no matter your business stage. Please leave us a quick review on Apple Podcasts or Spotify if you enjoy this episode! - Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a starter or premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business.…
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The HMO Podcast

1 Overcoming Challenges, The Changing Landscape Of HMOs, And Risk Management With Ranjit Seehra 41:40
In this episode, I'm joined by community member Ranjit Singh. Ranjit is a civil engineer and he's been using his skills and insights and experience from civil engineering to help him build a HMO property business. I want to find out how he's been doing that, what challenges Ranjit has had to overcome to get where he is. We're also going to talk specifically about planning restrictions, about the changing and evolving landscape of the areas that he invests in and how he has been dealing with these. If you're an investor just getting started, perhaps you're a bit further along on your journey, this is definitely an episode you want to stick around for. Topics covered in this episode: 02:30 - Ranjit's Journey into Property Investment 06:57 - The Reality of Building a Property Portfolio 11:22 - Adapting to Market Changes in Derby 18:21 - Planning Challenges and Overcoming Obstacles 26:13 - Defining a Good Deal in HMO Investments 32:35 - Long-Term Strategies and Risk Management Please leave us a quick review on Apple Podcasts or Spotify to help us celebrate this milestone! - Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get started now!…
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The HMO Podcast

In this episode, I’m joined by Kevin, a former mentee of mine, and his wife, Angelina. Together, they run a property business called Nouveau Living. And for the first time on the show, we’ll be discussing turnkey services. Most of our guests talk about how they’ve built their own property businesses, but Kevin and Angelina are taking a slightly different approach. While they’re building their own asset-based HMO portfolio, they also offer a turnkey service. We’ll explore what that looks like, covering everything from investing in HMOs, refurbishments, and interior design to creating products for your customers. Topics covered in this episode: 02:51 - Kevin and Angelina’s Journey to HMO Property Investment 14:56 - Understanding the Turnkey Service Model 25:00 - Meeting Investor Expectations 27:43 - Adapting to Changing Trends in the Rental Market 30:32 - The Importance of Durability in Property Design 33:00 - Managing Contractors and Development Risks Please leave us a quick review on Apple Podcasts or Spotify to help us celebrate this milestone! - Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get started now!…
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The HMO Podcast

Are you using private finance to grow your HMO property business? And are you combining that with high street or bank finance? If so, that's great! In principle, there's nothing wrong with this approach. However, if it's not set up or managed correctly, it can lead to some serious issues, especially when it comes to refinancing or trying to repay your private investors. In this episode, Ellie Broadhurst, our specialist mortgage broker will discuss the potential consequences of getting this wrong. And trust me, it’s easy to overlook or mismanage certain aspects. In fact, a lot of what we'll cover today may be things you’re not even aware of—yet they can be major red flags for a bank when it comes to refinancing. If you make these mistakes, you could find yourself in a difficult situation, unable to pay back investors or refinance your property. If you're using private finance, this episode is crucial for you. Topics covered in this episode: 04:57 - Understanding the Risks of Private Finance in Property Investment 10:03 - Mitigating Risks and Ensuring Due Diligence 14:57 - The Importance of Source of Funds and Investor Background Checks 24:10 - Realistic Cost Assessments in Refurbishments 31:35 - Managing Timelines and Expectations 36:13 - Market Predictions and Future Trends Contact Ellie here , if you’re interested in discussing your HMO mortgage and finance needs. - Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify ! Got any questions? Join The HMO Community on Facebook! Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.…
In this episode, we're doing things a bit differently. I'm joined by Sam and Alex from SO Properties —partners in business and in life. They’re wrapping up their very first HMO deal, and I’m excited to talk to them about that experience. We’ll be talking about the journey, the challenges they faced, and how they got started in the industry. But that's not all—we’re switching things up a little. Sam and Alex have some questions for me, so we’re going to have a mini Q&A session. I’ll be drawing on my 15+ years of experience to offer as much advice as I can and help them navigate their journey. If you're just starting out or scaling up, this is an episode you definitely don’t want to miss. Topics covered in this episode: 03:10 - Challenges of Starting in Property Investment 07:23 - Five-Year Plan and Financial Goals 19:41 - Funding Strategies for Growth 24:21 - Navigating Risk and Leverage in Property Investment 27:05 - Balancing Cash Flow and Capital Growth 29:04 - The Importance of Diversification in Property Portfolios 34:28 - The Pros and Cons of Joint Ventures 37:58 - Self-Management vs. Outsourcing Property Management Please leave us a quick review on Apple Podcasts or Spotify to help us celebrate this milestone! - Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get started now!…
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