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Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ We have just witnessed one of the biggest changes to hit property in years, and it's something we've never covered on this channel before. If you're buying, selling, investing, or planning to in the next few years, then this affects you. I'm talking about the new legislation the government has just laid out that affects every house sale in England and Wales.  Right now, around one in three agreed sales collapses before completion. The average sale takes 120 days after the offer is accepted. That's about 60% longer than the same process took back in 2007.  Failed sales cost buyers and sellers £400 million per year. That doesn't just highlight a small inefficiency. That's a completely broken system, and the government's now finally trying to fix it.  So, in this episode, I'll be breaking down the legislation changes and the key points to save you having to work it all out. Make sure you stick around till the end because I'm going to tell you how to get ahead of this before any of it becomes law. This is an extremely important change for anyone in the property market, whether you want to buy or sell.  If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS Currently, around one in three agreed sales in England and Wales collapses before completion. Offers aren’t binding until exchange, creating months of delay, wasted costs and room for either side to walk away or change the price late in the process. Something the government is working to change. The proposed reforms would make searches, property condition, and leasehold costs available when the property is put on the market. When you know how to read and interpret these documents properly you are better able to create and propose profitable deals. You’ll need to be certain that the numbers work because in the future walking away without a valid reason could mean paying a penalty.  Investors who prepare now and develop stronger deal-analysis skills will be able to find  more profitable opportunities under today’s rules whilst also making sure that they are ready for the proposed changes. BEST MOMENTS  "The rules of buying and selling are changing in favour of the educated -  make sure that includes you."  "Each of those things might sound boring on its own, but together they remove the real reason a sale takes 120 days."  "The gap between now and then is the opportunity."  VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk https://www.tiktok.com/@progressiveproperty https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g https://twitter.com/progperty https://www.linkedin.com/company/progressiveproperty https://www.instagram.com/progressiveproperty https://www.facebook.com/groups/progressivepropertycommunity https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ This year, about 1.8 million households in this country, including a huge number of landlords, will get a letter from their bank. Inside it is the date their cheap fixed-rate mortgage deal expires, and when that date arrives, their monthly mortgage payment jumps by about £400 on average. Now, if you're a landlord with a mortgage on a rental property, your monthly payment can triple three times as much.  It happened with my own property, where my rates nearly tripled overnight. But the size of that increase is not the real story here. The real story is that educated investors actually want these letters to arrive because every one of those 1.8 million letters lands with an owner who may soon need to sell, which means a property that could be bought below its market value before an estate agent ever sees it.  By the end of this episode, you'll know: why landlords are being hit three times harder than homeowners, how to buy discounted properties from landlords whose cheap fixed-rate deals are ending, and how to do it safely so the deal actually makes you money. If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS Around 1.8 million low-rate fixed mortgages expire in 2026, creating sharp mortgage payment rises that will hit landlords hardest. When rent no longer covers the mortgage, tax and running costs, profitable rentals quickly become loss-making, leaving landlords desperately needing a fast sale. Under pressure, many landlords choose auctions or a direct sale as a way out. It is faster and the sale is more likely to be completed so they will often accept a below-market price. Educated investors can easily find and safely fund these sales. They can buy sound properties below market value, with equity built in from day one. BEST MOMENTS  "The real story is that educated investors actually want these letters to arrive because every one of those 1.8 million letters lands with an owner who may soon need to sell."  "That's why the best of these deals never appear in Rightmove; they're sold before an estate agent ever even is involved."  "That test is the difference between buying an asset and buying the seller's problem off them at a discount. It's a skill set, and it can be learned."  EPISODE RESOURCES Previous fixed rate mortgage opportunity episode - https://podcasts.apple.com/us/podcast/how-educated-property-investors-are-turning-the/id1176574597?i=1000785730543 VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOSTS Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.   CONTACT https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk https://www.tiktok.com/@progressiveproperty https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g https://twitter.com/progperty https://www.linkedin.com/company/progressiveproperty https://www.instagram.com/progressiveproperty https://www.facebook.com/groups/progressivepropertycommunity https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ Right now, the UK government are enforcing a two-tier tax system for its citizens. On the one side, hardworking people are being forced to bleed their wages, are being heavily taxed on their property, and being punished for trying to invest. On the other side, the government are being outsmarted by another group who have learned, understood, and used strategies to keep more of their hard-earned cash to build wealth and financial freedom.  In this episode, I share five legal strategies investors use to make more and keep more. Why it is becoming increasingly dangerous to stay a normal saver, and the mistakes that investors make that cross the line from legal to illegal practices, and how you can avoid doing the same. Before we get into the episode, please remember that this does not constitute financial advice -  these are the principles I adopt as a professional investor, principles that save me 10s of £1000s every single year.  If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS Educating yourself, staying up to date and adapting is essential. Those that simply use the most popular strategies often end up seeing their once highly profitable businesses begin to fail. Owning a rental personally or through a company can lead to different tax outcomes. Section 24 may restrict mortgage-interest relief for individual landlords, while companies have different tax implications. Buying a property-owning company’s shares can mean a different stamp-duty bill from buying its properties, but you also take on the company’s history. Due diligence is essential. Option agreements can secure the right to buy later, but each deal requires careful, professional legal drafting. Remortgaging may release cash without selling, but it remains borrowing. Debt has to be serviced, and higher rates or falling rents can increase leverage risk. BEST MOMENTS "There's a good reason we teach it in a room rather than reading it out in YouTube. Done without the right checks, this strategy can cost you far more than it saves."  "The educated investor asked a different question: How do I use the growth of my property value without selling it?" “I did this very thing with one of my own properties recently and made over £70,000 pounds.” if you want the full education, not just five strategies, but the whole deep dive taught properly, we are currently running a free webinar- MSOPI – Multiple Streams of Income: VALUABLE RESOURCES https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.    CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk https://www.tiktok.com/@progressiveproperty https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g https://twitter.com/progperty https://www.linkedin.com/company/progressiveproperty https://www.instagram.com/progressiveproperty https://www.facebook.com/groups/progressivepropertycommunity https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ This year, about 1.8 million households, including a huge number of landlords, will get a letter from their bank. Inside is the date their cheap fixed-rate mortgage deal will expire - When that date arrives, their monthly mortgage payment jumps by about £400 on average, and it will often be much worse for landlord. Many with a fixed-rate mortgage on a rental property, will see their monthly payment triple, leaving them out of pocket every single month they carry on renting that property out. By the end of this episode, you'll know why landlords are being hit three times harder than homeowners, how to buy discounted properties from landlords whose cheap fixed-rate deals are ending, how to do it safely so the deal actually makes you money and  do it in a way which benefits everyone involved. If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS 1.8 million ultra‑cheap fixed‑rate mortgages are ending, this year. So, many landlords are seeing their replacement monthly mortgage payment treble. Profitable rental properties can easily become loss‑makers that landlords need to sell quickly so they can stop haemorrhaging money. For educated investors the fixed term mortgage time bomb is a huge opportunity. Writing to landlords directly who may need to sell fast, creates a win-win. The seller pays no agents fees and because they need a fast clean way out, they will often sell below market value. Even at today´s interest rates, the new owner has the freedom to structure the deal differently and turn a property haemorrhaging money into one that makes a profit. Those investors who learn how to find, price, and fund interest rate shock deals will add properties to their portfolio that have equity built in. BEST MOMENTS  "1.8 million of those cheap fixed-rate mortgage deals expire during 2026 this year."  “They're often the best outcome the seller has: a fast, fair, certain sale, instead of missed payments, repossession, and a wrecked credit file."  "Because what they (landlords) need most is a quick, certain sale, they'll usually accept a price below what the property is really worth."  VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk https://www.tiktok.com/@progressiveproperty https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g https://twitter.com/progperty https://www.linkedin.com/company/progressiveproperty https://www.instagram.com/progressiveproperty https://www.facebook.com/groups/progressivepropertycommunity https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events: https://www.progressiveproperty.co.uk/raf/ Right now, in Westminster, there are people deciding how much it should cost you to keep living in your own home. A bill you pay every year for having a roof over your head. And most of the people who'll end up paying it have no idea it's coming. They think this is a tax on rich people, on mansions, on someone else.  In this episode, I'm going to show you using the government's own numbers, how that someone else slowly turns into you. I walk you through exactly what they want to do, step by step. And right at the end, I'll show you the one group of people who actually come out of this better off and how to make sure you are among them. If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS Landlords could face a significant new squeeze as costs currently paid by tenants are transferred to them, while the tax bill when they eventually sell could also increase. That changes the numbers on every property in the portfolio. For an unprepared landlord, the danger isn't simply paying more tax. The combination of higher costs and tighter restrictions can turn a property that once produced a healthy return into an asset that no longer makes financial sense to hold. As smaller landlords decide to sell, the resulting reduction in rental supply creates problems for tenants but it is also an opportunity for those investors who are ready to act.  Those who understand how to structure their purchases and property portfolio correctly will find bargain deals, keep their tax bills down, grow and thrive for the long term. BEST MOMENTS  “Every single time the government raises taxes, it creates an opportunity for educated people to make money, and that's what we teach here at Progressive Property.”   “The government has set that mansion tax line at £2 million and frozen it there. One by one ordinary homes rise in value until they cross that line.” “Under this plan, that flips completely - overnight tenants save around £200 a month while the landlord is left to foot the bill.” “Wes Streeting wants to tax the profit on your property the same way as they tax your wages. That pushes it from 24% today up to 40% or even 45% for higher earner.” VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk https://www.tiktok.com/@progressiveproperty https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g https://twitter.com/progperty https://www.linkedin.com/company/progressiveproperty https://www.instagram.com/progressiveproperty https://www.facebook.com/groups/progressivepropertycommunity https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ Here's the uncomfortable truth about the Renters Rights Act. They told renters this law would protect them, make renting fairer, safer, and cheaper. So, here's the question nobody in government wants to answer - Why the very people this law was built to help, are ending up with fewer homes, higher rents, and less choice than before it even existed. I'm going to show you what actually happened to rents to the number of homes available and to the landlords themselves, both in the long run up to this law and in the few weeks since it's landed. By the end I think you'll see why so many people on both sides of the rental divide are quietly asking the same thing. Who exactly was this law for?   KEY TAKEAWAYS ·       The Renters’ Rights Act was supposed to make it easier for tenants to find secure and affordable homes – in practice, the opposite has happened. ·       Around 35% of landlords sold or tried to sell in the 12 months before the Act came into force, permanently shrinking the pool of rental properties. ·       Many ex‑rental homes don’t become first‑time buyer bargains. They’re snapped up by larger, often corporate, landlords, concentrating power in fewer hands. ·       In the year to mid‑2024, average private rents rose by 8.6% across England, and by 9.7% in London, then flattened near record highs. ·       For informed investors and would‑be landlords, the chaos is an opportunity: with fewer rental homes, strong yields, and 20+ applicants per property, those who understand the new rules can step into the gap and build profitable, resilient portfolios.   BEST MOMENTS  "You'd naturally assume that a law that protects tenants would lead to more secure rental homes, but a rental home only exists if a landlord is willing to offer it."    "The flat doesn't become someone's first home; it just passes from a small local landlord to a faceless institution."    “The kindest thing you could possibly say is that the law poured a bucket of petrol directly onto a fire that was already lit, and the tenants are the ones standing closest to the flames.”     Market turbulence does not destroy opportunity, it transfers it.    It moves wealth and security away from people who react entirely to fear directly into the hands of the people who take the time to understand the new rules - That's exactly what we teach at Progressive Property – Join our free webinar here - https://progressiveproperty.co.uk/online-training/     VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey.   ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.     CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk  https://www.tiktok.com/@progressiveproperty https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g https://twitter.com/progperty https://www.linkedin.com/company/progressiveproperty https://www.instagram.com/progressiveproperty https://www.facebook.com/groups/progressivepropertycommunity https://www.facebook.com/Progperty   This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ Right now, in 2026, thousands of landlords are quietly dumping perfectly good properties because a journalist told them - “UK rents have cooled to 3%.” They’re reading a single national average as if it were a buy or sell signal. In the process, sleep‑walking past the best buying conditions they’ve seen in years.   In this episode, Mark shows why that headline is technically true but practically useless if you’re deploying capital. He walks through the real ONS and Rightmove data, explains how London has smashed into an affordability ceiling while the Northeast and Midlands still have headroom, and reveals why asking prices can rise even as real values soften. More importantly, he lays out how sophisticated investors are quietly stepping into those nearly 6% rent inflation regions, structuring around stamp duty, and using inflation to devalue their debt while amateur landlords run for the exits. If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS National averages are a terrible way for investors to assess whether it is time to buy or not.  London has hit an affordability ceiling, while the Midlands and Northeast still have wage headroom and rising rents.  Smart investors are ignoring the national mood and targeting specific streets in high‑yield regions. Amateur landlords are panic‑selling in the very regions where tighter supply is likely to push rents higher.  At a time when yields and inflation are quietly working in favour of buyers.   BEST MOMENTS  “The headline isn't wrong, it's just useless.”   “Because of that one headline, landlords across the country are panic selling perfectly good properties this month.” “The market isn't dying. The heat is migrating.” “Navigating this market based on headlines is a massive risk in the current economic climate.”   If you want a complete circuit breaker from the media noise, join Mark’s Multiple Streams of Property Income training that works regardless of market conditions. Bring your deals, your doubts, and your spreadsheets, and walk out with a strategy built to work in today´s market, not the one in the headlines. Spots are limited, so grab yours here: https://progressiveproperty.co.uk/msopi/ VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ Right now, there is a silent war being fought over the future of the UK housing market. Your home, your buy-to-let, or the property you’re trying to buy is sitting in the crossfire. On one side, the Green Party has voted to pursue the effective abolition of private landlords through rent caps, forced sales and a ban on future buy-to-let mortgages. On the other, Reform UK wants to rip up the Renters Rights Act, scrap Section 24, and put thousands of mortgage in interest relief back into landlords’ pockets. I walk you through the biggest battle lines, where these two visions collide and reveal what each path would actually mean for your wealth, your risk and your long-term strategy as an investor, homeowner, or renter. Then, show you how to use the fear of these policies to position yourself for the best buying opportunities we’ve seen in years. KEY TAKEAWAYS The Green Party’s plans point towards the effective abolition of private landlords through rent caps, forced sales and a ban on buy‑to‑let mortgages. Reform UK is pushing for a freer market with lighter regulation and stronger tax reliefs.  When reform argues that rent control mathematically breaks the housing market, they aren't guessing, they're pointing directly to what happened in Scotland after rent reform. Rents soared instead of dropping. Stamp duty, land value tax, capital gains tax, Section 24 and renters’ rights are the levers that decide whether a deal still stacks. If you don’t understand them now, making the right calls when they change will be very difficult. Fear of future policy changes will cause panic-selling. Investors who understand the mechanics and focus on their bottom line will spot the best deals while everyone else is paralysed by uncertainty. Be ready – educate yourself now. BEST MOMENTS  " Artificial caps compress supply, uncompressed supply inevitably triggers a secondary price explosion."  " A single tax policy drove nearly half a million citizens to completely restructure their financial lives. That's how powerful government legislation really is."  “In every one of these shakeouts aren't the people who picked the wrong party, they're the people who didn't understand the game well enough to protect themselves.” VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Six people -  as you listen to this podcast today in 2026 that is the exact number of desperate renters fighting over a single property the moment it hits a portal like Right Move, or Zoopla. Imagine standing in a freezing queue of strangers on a Tuesday afternoon outside a flat you haven't even seen inside yet, knowing that five of you will go home defeated tonight, but here's the truth that the mainstream media refuses to say out loud. It's about to get significantly harder for renters. Not because of one single catastrophic event. But because five separate economic fault lines are quietly closing in on the UK housing market, at the exact same time. Number five is a hidden regulatory change nobody is talking about.  I reveal what each change is and why it is likely to make the UK´s housing market worse for investors as well as tenants.  If you’re serious about turning this broken market into your advantage, join my free online masterclass. I’ll show you exactly how to understand the changes, find discounted deals, and build a resilient, ethical portfolio that actually works in 2026 and beyond. Join here: INSERT URL KEY TAKEAWAYS England completed about 119,000 homes in 2024–25, down from roughly 221,000 the year before and far below the 300,000-a-year target, so the supply gap is widening fast.   Higher interest rates hitting as fixed interest deals expire are doubling many landlords’ mortgage costs forcing many to sell up, while buyers are struggling to secure loans.   As small “mom-and-pop” landlords exit institutional investors are rapidly taking a growing share of the rental stock, which will cause problems for renters.   The 2030 EPC upgrade mandate (to band C) and steep fines will be the final straw for many independent landlords, shrinking rental supply further.   With many casual landlords selling, competition is falling, and motivated sellers are more open to negotiation.  Ethical, independent landlords who understand the changes, know how to stress test deals, and focus on real tenant comfort rather than just EPC box‑ticking can build portfolios that survive and actually benefit from this market squeeze. BEST MOMENTS  “We aren't closing the gap. The gap is aggressively widening right in front of us.”   “The UK housing supply tap isn't just turned down; it's completely clogged at every single joint.”   “You quite literally cannot save your way to home ownership.” “The people who take time to understand the board right now are the exact ones who will look back in 2026 as the moment everything changed for them.” VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ Starting from a council estate in Manchester, Mike Chadwick ended up working in the applied economics department at Cambridge University, taught and did research there. Mike was also part of the team that wrote the strategy for London for attracting global IT and headquarters companies and improved the steel works in South Wales. But after years of exchanging time for money, he wanted to be able to make more from his talent. A free Progressive Property seminar set him on the path that transformed his finances and outlook. He explains how persistence, education, the right mentoring and networking helped him create multiple streams of income from property. Using win-win deals Mike has helped lots of people as well as himself. If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast   KEY TAKEAWAYS ·       Mike didn´t get involved in property until his late 30s. It´s never too late to learn. ·       Property success can be a numbers game. Initially, Mike looked at 60 properties, made offers on 58 of them and secured two. But holding out for the right deal meant he doubled his money on them. ·       There are many ways to make money from property – Progressive teaches them all and how to choose the right ones for you. ·       Progressive continually updates the methods they teach. Mike takes advantage of this to diversify e.g. he is currently giving Rent to HMO a go. ·       Profession relationships are vital – they help you uncover deals others miss and make what others can´t do, possible for you. That is why Progressive provides so many networking opportunities. BEST MOMENTS  "You get to the point where you think, well, is this it, am I going to be doing this sort of forever? selling my time for money."    "It's all about creating these win-win scenarios .…I personally don't go into any property deal if someone's going to lose."    “Having multiple streams of income has never been more important … it secures you against a really fast-changing world that we're living in.”     EPISODE RESOURCES Multiple Sources of Income Event - https://progressiveproperty.co.uk/msopi/   Join Mark Chadwick at the Progressive Property Network Event, that he hosts in Manchester - https://progressivepropertynetwork.co.uk/event-south-manchester     VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk   ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey.   ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty   This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ Property is literally one of the only investment vehicles I can think of where you can start, grow, and scale a business using none of your own money. Today, we're going to meet Matt, who tried to build a property portfolio the wrong way. Then he came to Progressive and learned how to do it right. He now uses none of his own money, works with private investors, and in this latest deal, the owner of the property is lending him the money to do the deal. If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS Be proactive, drive around look for opportunities and approach owners directly to see if they are interested in doing a deal.  Community and visibility are crucial: Progressive’s network provides brokers, architects, and investors. With the right architect and planning strategy, a single barn can be split into multiple smaller homes and even have floor space effectively doubled using mezzanines and smart design.   Joint ventures, with landowners and private investor funding projects, allow you to scale without risking your own money. Having multiple exit strategies is wise. It ensures the deal works almost regardless of how the market changes of what issues you face. Progressive teaches all of the exit strategies. It was a LinkedIn post that led directly to Matt’s award‑winning joint venture deal. Put yourself out there and use Progressive´s techniques to leverage social media. BEST MOMENTS  "Property is literally one of the only investment vehicles I can think of where you can start, grow, and scale a business using none of your own money."  "Under class Q, permitted development, you can take a rundown old barn and convert it into high-yielding residential property without needing full planning permission … This is a property equivalent of turning dust into diamonds."  "Wherever you are there´s always opportunities… I make a point when I'm driving around here, though I've lived there all my life, of going down different roads to get to different places."  VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ Sean speaks to Matthew Jennings about his extensive journey in property, from early hands-on renovations to building a seven-figure portfolio. Yet, despite all of that success and decades of experience, joining Progressive Property was still transformative. Matthew shares how it completely shifted his mindset, is helping him identify missed opportunities, refining his strategies, and unlocking new ways to grow his business. If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast   KEY TAKEAWAYS ·      Matthew scaled quickly using buy-to-let, refinancing and recycling deposits, growing a portfolio to over £1.25 million within five years. ·      Leveraging other people’s money, starting with a loan from the bank of mum and dad, enabled him to build momentum without needing large capital upfront. ·      Despite his success, Matthew realised through Progressive training that he still lacked key business skills. Particularly relating to  marketing, branding, and strategic planning. ·      Progressive helped him understand advanced strategies - for example, how to control property without owning it, the importance of multiple income streams and which ones are right for each person´s situation. ·      Being part of the Progressive community opened Matthew´s eyes to collaboration, partnerships, and networking. Things he had previously overlooked. BEST MOMENTS  "I had been managing family portfolios for years and successfully – Yet I knew next to nothing about key elements of what would make a successful business, in terms of goals and strategy."  "It was through buy to flips, but predominantly was through buy to let, adding value, refinancing, and then buying more."  "I had no money when I bought that property, and 20 months later I've sold a property. I've now got all of that equity. I'm able to buy my own home, and also another property, which we can let."    EPISODE RESOURCES   Are you ready to grow your portfolio, meet serious local investors and find trusted trades in the Warrington area?   👉 Join Matthew Jennings at the next Progressive Property Network Warrington event:   Learn proven property strategies from experienced investors Connect with local trades, suppliers, and professionals Support local charities who are making a real difference in the community Book here: https://progressivepropertynetwork.co.uk/event-warrington/ VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk   ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey.   ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.  ´   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk https://www.tiktok.com/@progressiveproperty https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g https://twitter.com/progperty https://www.linkedin.com/company/progressiveproperty https://www.instagram.com/progressiveproperty https://www.facebook.com/groups/progressivepropertycommunity https://www.facebook.com/Progperty   This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ In just a few weeks’ time, the Renters Rights Act becomes law, which means the end of no-fault evictions. It means continuous, rolling tenancies, and if you want to get your property back, it could cost you up to five figures and potentially take up to 12 months. If you don´t prepare for this change, which takes place at the end of May, things are going to be far harder for you than they need to be. Today, I share with you exactly what we are sharing with our students to prepare them for the upcoming law change which happens at the beginning of May. Including a recap of exactly what the law says and details of the hidden risks in the law that most landlords are not aware of. Listen in and join us on the free webinar, where we’ll show you exactly how to protect yourself - and how to turn this upheaval into your biggest opportunity to grow your portfolio. KEY TAKEAWAYS No-fault evictions are gone, tenancies are rolling, and getting your property back could be slow and expensive. The Renter´s Rights Act is going to make life much harder for unprepared landlords. If you have a problem tenant, act now. Sean explains how during the episode. Even if you have a valid reason to evict backlogs in the court mean you can wait a long time to get the tenants out. Raising rents is going to be harder. Your only real protection now is front-loaded: rigorous tenant selection, full credit and landlord checks, employment verification and, where possible, rent guarantee insurance. Many landlords will panic and sell up - but for educated, decisive investors, that means less competition, more tenant demand, and the best buying opportunities we’ve seen in years. You need to serve an information sheet to your tenants by the 31st of May, anyone who fails to serve this information sheet on their tenants could face a civil penalty of up to £7,000. BEST MOMENTS  "That means the tenant can stay in your property for as long or as short a time as they want, and they only have to give you two months’ notice to leave."  "With all these new changes, it's more important than ever to protect yourself as a landlord."  "It's imperative to see the full credit history."  EPISODE RESOURCES https://www.gov.uk/government/publications/guide-to-the-renters-rights-act/guide-to-the-renters-rights-act VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ The spring statement looked quiet on the surface - but for property investors and business owners, the undercurrents and general direction the economy is headed in is anything but calm. They are still dealing with higher taxes, rising national insurance, a minimum wage hike, and some parties’ hostile stance toward landlords. Inflation, rising unemployment, and overheads all increase the chances of future tax grabs being needed.  Mark also unpacks the impact of Middle East turmoil on energy prices, interest rates, and the government’s looming need for “more money” in the autumn and what would happen if The Greens got into power. If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS At first glance it appears that the spring statement did not have a lot in it - very few changes were announced. But the damage is already done, the tax, NI and inheritance tax changes already put in place are really biting. For entrepreneurs, the UK has become a hostile place and nothing in the Spring statement improves that situation. The Middle East conflict is likely to push inflation and interest rates higher. Rising support for the Green Party has the potential to directly impact landlords and property investors. For example, at their last conference they voted to end Buy-To-Let Mortgages and several other changes that would make things much harder for property entrepreneurs. BEST MOMENTS  "Some of their voters might like it, but it's not actually helping."  “Generally, make entrepreneurs feel like an unwanted species, a la 1940 … this is why the country is not growing.” “They have a stated aim of banning buy-to-let mortgages and getting rid of landlords.” “There will be absolute chaos in the streets if they get anywhere near government.” “It looks like the government's going to have less money, so they're probably going to come for more money from you and I and anybody else who's paying tax in this country.” EPISODE RESOURCES YouGov voting intention poll - https://yougov.com/en-gb/trackers/voting-intention Green Party Conference Private Rental Vote - https://www.greencoordinate.co.uk/motions/abolish-landlords/ VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ If you are hungry, ambitious and want the smoothest start possible in your property journey, then this is for you. One mistake in property can set you back years. As someone who has built a successful portfolio, replaced his income and has coached 1000s of new property professionals, this is my list of the top five mistakes new starters make when starting in property. If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS Counterintuitively low-ball offers kill great deals. Exactly why that is and what you should be doing instead is explained in full. The best investors buy on numbers and due diligence, not emotion – ugly but profitable beats pretty and pointless, every time. Education isn’t optional: learning from experienced mentors lets you sidestep years of costly trial and error. Your environment is destiny; if the people you surround yourself with have no ambition, they’ll drag you back down when you try to grow. Sustained action turns a painfully slow start into a business that almost runs on its own. BEST MOMENTS  “You will only get paid in proportion to the value that you provide. If you can provide more value by helping that person with their problem, then you're going to get a really good deal.” “Numbers are rational. Feelings are emotional, so you need to buy based on numbers and due diligence and not how you feel about the property.” “If you think education is expensive, try ignorance.” “You become your environment.” “Knowledge, accompanied with appropriate consistent action leads to success.” VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/ Learn more about your ad choices. Visit megaphone.fm/adchoices