Advertise on podcast: The HMO Podcast

It’s been a busy, challenging and exciting few months across my property businesses. In this episode, I’m giving you an honest update on exactly what’s been happening behind the scenes. From development projects and difficult tenants to refinancing, new purchases and why I’m shifting my focus back towards high-yielding HMOs. I also share some of the challenges we’ve faced, including getting a major development back on track after our contractor went into liquidation, dealing with significant tenant arrears and preparing for a difficult refinance. 🎯 What You'll Learn Why I’m shifting my focus back towards high-yielding HMOsWhat I’m seeing in the property market right nowHow we recovered after a contractor went into liquidationThe realities of refinancing in the current lending marketHow I’m dealing with a tenant owing around £15,000 in rentHow AI is changing the way we operate across my businessesIf you want to know what I’m buying, where I’m focusing my attention and how I’m approaching the rest of 2026 and beyond, this episode will bring you completely up to speed. 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here.The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here.Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.

The mortgage market has shifted quickly in recent weeks, with rising swap rates, changing lender pricing and wider economic uncertainty creating another challenging environment for HMO investors. In this episode, I sit down with our specialist mortgage broker Ellie Broadhurst to unpack what's happening in the lending market right now, how the Renters' Rights Act is starting to affect some HMO valuations, and what investors need to consider when buying or refinancing in today's market. 🎯 What You'll Learn What's driving the recent rise in HMO mortgage ratesWhy some lenders are increasing rates while others remain competitiveHow the Renters' Rights Act could affect HMO valuations and refinancingHow to prepare for a refinance and avoid unnecessary delaysWhat the lending and property market could look like heading into 2027If you're buying a HMO, approaching a refinance or planning your next project, this episode will give you a practical insight into what's happening in the mortgage market, the risks to be aware of and how to position yourself for the opportunities ahead. Book a Call with Ellie here: https://thehmoroadmap.co.uk/hmo-mortgage-finance/ 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here.The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.Facebook Community: Got questions or need support? Come and connect with 10,000+ investors inside The HMO Community here.Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!

£10,000 per month in net income is a common goal for HMO investors, but very few people actually break down what it will take to get there. In this #Rewind episode, I break down a simple exercise I use with my mentees to reverse engineer that target, looking at how many properties you might need, the equity you’ll need to create and why adding value is such an important part of building and scaling an HMO portfolio. 🎯 What You'll Learn How to reverse engineer your HMO income targetHow many rooms and properties £10,000 per month could requireWhy creating equity is essential when scalingThe importance of finding opportunities to add valueHow your location and strategy can affect the numbersIf you’ve set yourself a financial target from HMOs, this episode will help you understand what it could actually take to get there and where you need to focus your efforts. 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here.The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here.Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.

Is HMO investing still worth it in 2026, and what do you actually need to know before getting started? In this episode, I’m on the other side of the mic as Ant Lyons from YPN Magazine puts me through my A–Z of HMO investing, covering everything from what makes a good deal and how to fund one, to Article 4, location, management, compliance and the mistakes that can quickly turn a promising project into an expensive one. I also share how my own approach to investing has changed over the years and what I would do if I were starting again today with £100,000. 🎯 What You'll Learn What I look for in a good HMO deal in 2026Whether you need lots of money to get startedHow to choose the right location and projectWhat Article 4 really means for HMO investorsThe costs and risks new investors often underestimateWhat to look for when outsourcing HMO managementThe planning and licensing traps you need to avoidWhat I would do differently if I were starting again todayWhether you’re considering your first HMO or already building a portfolio, this episode gives you a practical overview of what HMO investing really looks like in 2026. You can find more of my interviews, articles and expert resources on my YPN Expert Hub here. 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here.The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.Facebook Community: Got questions or need support? Come and connect with 10,000+ investors inside The HMO Community here.Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!

Should you manage your own HMOs, or pay somebody else to do it? It’s one of the most common questions HMO investors ask, and the decision is often based on one thing: how much money you could save by self-managing. But after nearly 20 years of investing in and managing HMOs, I can tell you there’s far more to consider than the management fee. In this episode, I break down what managing an HMO actually involves, the pros and cons of doing it yourself versus outsourcing, and the real cost of management when you factor in your time, attention and responsibility. 🎯 What You'll Learn The difference between being an investor and a property managerWhat actually goes into managing an HMO day to dayThe time, stress and responsibility involved in self-managementHow management fees compare with the true cost of doing it yourselfThe key questions to ask before deciding which route is right for youIf you’re currently self-managing your HMOs, or wondering whether you should, this episode will help you weigh up the options and make a properly informed decision. 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here.The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here.Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.

Some properties look like great HMO deals on paper, but there are certain problems that no amount of negotiating, refurbishing or clever deal structuring can fix. In this episode, I break down the types of properties I think HMO investors should avoid, or at the very least approach with a great deal of caution, and explain why some of these seemingly attractive opportunities can become very expensive mistakes. 🎯 What You'll Learn The lending risks of non-standard construction and spray foamWhy shared ownership can be problematic for HMOsHow covenants and lease clauses can restrict your plansWhy existing HMO licences can be misleadingThe risks of listed buildings and flood zonesIf you’re currently sourcing or appraising your next HMO, this episode will help you spot some of the red flags before they become very expensive problems. 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here.The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here.Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.

Most HMO investors spend thousands getting a property finished, but when it comes to the things tenants actually see, the budget has often disappeared. In this episode, I’m joined by Sammie and Adam Wale from Aben Interiors, HMO investors and specialists in HMO property staging, photography and videography. We explore why presentation matters more than ever and how getting those final details right can help you achieve higher rents and fill your rooms faster. We also share real examples of projects achieving rents 15% to 24% above market rates and discuss why professional photos and videos can become some of your most valuable marketing assets. 🎯 What You'll Learn Why HMO presentation matters more in today’s competitive marketHow staging can help tenants connect with your propertyWhy professional photos and videos are worth the investmentHow better presentation can increase rents and reduce voidsWhere AI can help with HMO design and where it falls shortIf you’re developing an HMO or have another project coming up, this episode will show you why the project doesn’t end when the builder hands back the keys, and why those final touches could be some of the highest ROI investments you make. Learn more about Sammie and Adam’s property staging services here: https://thehmoroadmap.co.uk/hmo-property-staging  💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here.The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.Facebook Community: Got questions or need support? Come and connect with 10,000+ investors inside The HMO Community here.Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!

How much does it actually cost to refurbish an HMO? It’s one of the most common questions I get asked, and unfortunately, there isn’t one simple answer. The cost depends on the scope of the project, the specification you’re aiming for, where you’re investing and, importantly, whether you’ve accounted for everything that actually sits inside a refurbishment budget. In this episode, I break down how I think about HMO build costs and give you a practical way to put a credible number against a project before you’ve even spoken to a builder. 🎯 What You'll Learn The two biggest factors that drive HMO refurbishment costsWhat you need to include when building your refurb budgetCurrent build-cost benchmarks for light, moderate and heavy refurbsWhat nearly 40 real HMO projects have actually cost our membersHow professional fees, VAT and contingency can affect your final budgetHow to sense-check your numbers and builders’ quotes Getting your refurb numbers wrong by £5,000, £10,000 or £20,000 can completely change whether a deal stacks up, and potentially how much you should be paying for the property in the first place. The goal isn’t to predict your build cost perfectly from day one. It’s to understand your scope and spec, use the right benchmarks, account for the costs that are often missed, and get your initial estimate as close to reality as possible. If you’re appraising an HMO conversion or planning your next refurbishment, this episode will help you approach your numbers with a lot more confidence. 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here.The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here.Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.

Most aspiring property investors don't struggle because they lack knowledge. They struggle because they never make the leap from learning to actually doing. They've read the books, listened to the podcasts, invested in education, but still haven't completed their first HMO project. In this episode, I'm joined by Dr. Michael Taylor, better known as ThePropertyGP. After building a £2 million HMO portfolio in under two years while working as a full-time GP, Michael has helped countless first-time investors bridge what he calls the "execution gap." Together, we explore why so many investors get stuck, the common obstacles holding them back, and how the right support can help you complete your first profitable HMO with confidence. 🎯 What You'll Learn Why education alone isn't enough to become a successful HMO investorThe biggest reasons aspiring investors get stuck before completing their first dealHow to overcome fear, overwhelm, and the "what if?" mindsetThe importance of building the right power team around your projectReal-life examples of first-time investors who have successfully completed profitable HMOsIf you've been thinking about investing in HMOs but haven't taken that first step yet, this episode will help you understand what's holding you back and, more importantly, how to move forward with confidence. 👉 Learn more about Michael's Blueprint programme and book a strategy call here. 💻 Resources & Mentions The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.Facebook Community: Got questions or need support? Come and connect with 10,000+ investors inside The HMO Community here.Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!

The first half of the year has been a reminder that building a successful property business is never a straight line. Some of my biggest wins have come alongside some of my biggest frustrations.  In this episode, I take you behind the scenes of my business and share an honest mid-year review of what's been working, what's tested me the most, and where I'm focusing my time and energy for the rest of 2026. 🎯 What You'll Learn How AI and better systems have freed up more of my timeLessons from this year's student changeoverThe reality of rent arrears and landlord legal battlesWhy I'm focusing on high-yield HMOs againMy plans for a new private investment fundIf you're building a property business of your own, this episode is a reminder that setbacks are part of the journey. Success isn't about avoiding problems. It's about staying focused on the bigger picture, making better decisions, and continuing to move forward even when things don't go to plan. 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here.The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here.Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.

Most property investors spend years building wealth. But very few spend any time thinking about how they're actually going to protect it. What happens to your portfolio if you die unexpectedly? Who makes decisions if you lose mental capacity? Will your family inherit what you've built, or could poor planning, unnecessary tax, or even remarriage mean your wealth ends up somewhere you never intended? In this episode, I sit down with asset protection specialist Mike Hiner, better known as The Asset Protection Guy, to unpack the estate planning mistakes many property investors make.  🎯 What You'll Learn Why a basic will often isn't enough to protect your family and assetsWhat really happens if you die without a willThe difference between joint tenants and tenants in commonHow trusts can help protect wealth across multiple generationsWhy inheritance tax can become a major problem for property investorsThe role of holding companies and family investment companiesWhy lasting powers of attorney are just as important as willsHow business owners can prepare for unexpected illness, incapacity or deathIf you've spent years building a property portfolio, this episode will help you understand the risks that many investors overlook and the practical steps you can take to protect your wealth, your business, and the people you want to benefit from it. Learn more about Strategic Asset Protection here: https://www.sap-legal.co.uk/ 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here.The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.Facebook Community: Got questions or need support? Come and connect with 10,000+ investors inside The HMO Community here.Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!

Most new HMO investors don't struggle because there aren't any opportunities. They struggle because they don't know where to start. They get overwhelmed by all the information, worry about making expensive mistakes, or spend too long waiting for the perfect time to take action. In this episode, I revisit one of the most important podcast episodes I've ever recorded because, if anything, the message is even more relevant today. I walk through the six key areas every new HMO investor needs to understand before buying their first property, and explain why getting these foundations right will save you time, money and a lot of frustration. 🎯 What You'll Learn Why you need a clear HMO strategy before viewing a single propertyHow to find the right deals and build relationships with estate agentsThe planning, licensing and Article 4 pitfalls that catch out new investorsThe different ways to finance HMOs and recycle your capital as you growWhat to expect from refurbishment projects and how to budget more accuratelyWhy finding and managing the right tenants is critical to long-term successIf you've been sitting on the fence, waiting until you feel ready, this episode will help you understand what really matters before buying your first HMO and give you the confidence to stop waiting and start building your portfolio. 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here.The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here.Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.

This week's episode is a little different. I recently joined Dan Hill for a Six Rounds episode of The Blueprint Podcast, where the format is simple: six surprise topics, no preparation, and no idea what's coming next. It made for a really honest conversation as we shared our thoughts on property investing, entrepreneurship, AI, the UK economy and what it really takes to build long-term wealth. We also explored the lessons we've learned over the years, how our thinking has evolved, and some of the habits and principles that continue to shape the way we do business today. If you've ever wondered how experienced investors think about risk, opportunity and the future of the property market, I think you'll really enjoy this one. 🎯 What You'll Learn What we'd do differently if we were starting againOur top property investing tips after years in the industryHow AI is changing business and why it's only just getting startedOur thoughts on the current UK property market and where we see opportunityThe mindset and habits that have had the biggest impact on our successSimple business and productivity hacks we use every dayWhy reputation, relationships and long-term thinking matter more than everI hope you enjoy this special crossover episode as much as I enjoyed recording it. 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here.The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.Facebook Community: Got questions or need support? Come and connect with 10,000+ investors inside The HMO Community here.Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!

Most investors focus on finding the perfect deal. But after nearly 20 years of investing, I've learned that long-term success has far less to do with chasing the biggest returns and far more to do with building the right strategy. In this special episode, I join Ant Lyons from Your Property Network (YPN) for an honest conversation about how my approach to property investing has evolved, why I'm still bullish on UK property despite the challenges, and how I think about building a portfolio that's designed not just for growth, but for the long term. 🎯 What You'll Learn Why I'm still investing in HMOs despite today's market conditionsThe investment criteria I use when assessing every dealHow I balance cash flow, capital growth and risk across my portfolioWhy chasing "unicorn deals" can actually slow your progressThe biggest mistakes I see new HMO investors makingHow I approach Article 4 areas and planning riskThe strategy behind building a portfolio with a clear long-term exit planWhether you're buying your first HMO or looking to scale an established portfolio, this episode will help you think beyond individual deals and start building a property business that supports the lifestyle and future you actually want. You can find more of my interviews, articles and expert resources on my YPN Expert Hub here. 💻 Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here.The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.Facebook Community: Got questions or need support? Come and connect with 10,000+ investors inside The HMO Community here.Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!

Property development can be an incredible way to build wealth, but it's also one of the toughest paths in real estate. The challenge isn't just finding great opportunities, it's building a business that can consistently create capital, generate cash flow, and give you the freedom to scale. In this episode, I sit down with one of my mentees, property developer and investor Jon Fish, to unpack his remarkable journey from rescuing a struggling family manufacturing business to building a successful property company focused on luxury new-build developments and high-performing HMOs. With more than 15 years of hands-on experience, Jon shares the lessons he's learned about resilience, construction, business growth, raising finance, and creating a long-term property strategy that balances wealth creation with wealth preservation. 🎯 What You'll Learn How Jon turned a family crisis into a property development careerLessons learned from restoring a 10,000 sq ft factory with almost no budgetWhy Jon combines luxury new-build developments with HMOsHow to identify and appraise profitable HMO opportunitiesThe role private finance has played in accelerating growthWhy systems, delegation, and business structure are critical for scalingThe mindset shifts required to stop playing small and start thinking biggerIf you're building a property business, looking to scale your portfolio, or trying to balance development projects with long-term cash-flow investments, this episode is packed with practical lessons, honest insights, and real-world experience from a developer who's spent more than a decade in the trenches and is now building an impressive portfolio with a clear vision for the future. 💻Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here.The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.Facebook Community: Got questions or need support? Come and connect with 10,000+ investors inside The HMO Community here.Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!