The Property Podcast

Could tokenising property on the blockchain actually revolutionise how we buy and sell in the UK? And if you’re planning to do short-term lets, could the wrong mortgage choice put your entire investment at risk?

Your questions answered on Ask Rob & Rob.

(00:46) Robert’s wondering whether the tokenisation of real estate assets could soon become a reality in the UK. Could there be any opportunities there? Rob B explains why, despite the technology being raring to go, the centuries-old UK conveyancing system and Land Registry mean it may take a while.

(03:53) Sara is buying a one-bed flat in Leeds under a limited company. Should she go for a standard buy-to-let mortgage or a short-let mortgage? Rob D warns against using a regular mortgage, even if brokers suggest it’s fine.

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You’ve heard hundreds of Hub Extra recommendations over the years. But which ones actually stuck? Rob & Rob have gone back through a decade of picks to find the ones they’d still recommend today.

(00:53) News story of the week

(02:50) The books Rob & Rob still recommend to everyone

(08:01) YouTube channels worth subscribing to

(10:22) The timeless TV shows that are still worth your time

(11:12) Podcasts that Rob & Rob strongly rate

(12:27) The tech recommendation that’s replaced all the others

Links mentioned:

Massive growth of landlord companies still accelerating

Books:

Bad Blood

American Kingpin

Die With Zero

Total Recall

Greenlights

Outlive

Rockefeller Habits

Zero To One

YouTube channels:

Anna Cramling

GothamChess

IM Alex Banzea

Padelactico

EverythingPadel

Precision Padel

The Next New Thing

Nate Herk

Futurepedia

Coffeezilla

TV shows:

Succession

Race Across the World

Podcasts:

If Books Could Kill

My First Million

The Missing Cryptoqueen

Nothing Much Happens

Tech:

Tax receipt

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Has your tenant been paying perfectly for years, only to suddenly fail their rent referencing renewal? Plus, how do you unlock the equity you need when you’ve got multiple mortgages expiring at different times?

Rob & Rob answer two tricky listener questions on this episode.

(00:41) Peter’s tenant has been reliable for years, but has just failed a re-referencing check, meaning the rental insurance won’t renew. What should he do? Rob D weighs up whether it’s worth proceeding without cover, and what he can do to get the tenant over the line.

(03:19) Philip has three properties, and all the mortgage fixes expire at different times. How does he align them to get the most equity for his next purchase? Rob B explains how further advances work and why speaking to your broker about your strategy upfront can save a lot of headaches.

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Every property investor says they'd never sell up. Rob & Rob aren't every investor - and they've got a surprisingly specific list of things that would make them walk away for good.

From rent controls to deflation, they lay out the exact scenarios that would make them walk away from property investing, plus the things that plenty of people worry about but don't bother them at all.

(00:56) News story of the week

(04:31) The things that wouldn’t stop Rob & Rob investing

(09:00) Why a genuine shift in supply and demand is the thing that could end it all

(11:45) No leverage, no party - why cash-only property investing isn’t worth the effort

(14:25) How sustained deflation would turn property’s greatest advantage into its biggest killer

(17:44) Why rent controls would mean no more buying

(22:08) Hub Extra

Links mentioned:

Hamptons analysis of landlord sales

The Price of Money - Rob Dix

The Week Junior

First News

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Could a lender ever pull the rug and demand your mortgage back early? And should you be topping up your tenants’ deposits every time the rent goes up?

Your questions are tackled on this week’s Ask Rob & Rob.

(00:44) Josh wants to know, due to economic uncertainty, whether a lender could ever demand full repayment before the end of the term - even if he’s never missed a payment. Rob B draws on experience from the last market crash to explain what lenders do when property values drop.

(04:35) Luke rents in Hong Kong where deposit top-ups are standard practice. Should he be doing the same with his portfolio in the UK? Rob D explains the logic behind it, and what you need to get right if you do.

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Leave us a review on Apple Podcasts - it really helps others find us!

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Got a question? Send it in here

Find out more about Property Hub Invest