The HMO Podcast

In this week's episode, I'm joined by Ryan Etchells from Together. Ryan is the Chief Commercial Officer at Together, one of the UK's leading specialist lenders. With a huge lending book, a strong appetite for HMOs, and years of experience in the sector, they really know their stuff.What you'll discover today is that Ryan brings a unique and valuable perspective from the lender's side of the table. He shares some brilliant insights—and, more importantly, practical advice—that could help you strengthen your applications and build better relationships with lenders.So, if you're finding it tough to get the results you want from a lender, or if scaling your property business has hit a financing wall, then this episode is one you don't want to miss!Topics covered in this episode:03:13 - Understanding Together Finance and Its Unique Approach07:43 - Current Trends in HMO Lending and Market Dynamics12:45 - The Importance of Relationships with Lenders17:04 - Defining a Good Deal in the HMO Market34:54 - Case Study: A Unique HMO Investment Story-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

Struggling to Get Your HMO Business Off the Ground? You're Not Alone...In this episode, we're tackling some of the biggest challenges investors face when trying to grow their HMO businesses. If you're finding it hard to build momentum, if costs are rising, timelines are stretching, and the numbers just don't look as promising as you expected—this one's for you.I'll be breaking down the five most common strategic mistakes that I see time and time again, which could be holding you back from the success you're aiming for. More importantly, I'll be sharing practical solutions to help you overcome these challenges and move forward with clarity and confidence.Whether you're just starting out or looking to scale, don't miss this honest and insightful discussion designed to help you build the HMO business you really want—faster and more effectively.Topics covered in this episode:01:27 - The Five Strategic Mistakes in HMO Investing03:35 - Chasing Unicorn Deals11:17 - Underestimating Pre-Commencement Costs16:24 - Outsourcing Without Understanding19:47 - Not Playing the Numbers Game22:16 - Wasting Visibility Opportunities-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

In this episode, we're talking about planning permission — and how you can use permitted development rights to get the most out of your property projects. I'll explain what you can do without needing full planning, and highlight the key caveats that can limit those rights.We'll also cover the types of projects that always require full planning permission, and the important considerations even when permission isn't technically needed.If planning has ever felt confusing or overwhelming, you're not alone — it is a complex part of property investment. But with nearly 20 years of experience, I'll help you make sense of it. Once you know the rules, it's far more manageable, and there are real opportunities to move faster and grow your property business.So if planning has been holding you back, this episode is for you. Topics covered in this episode:03:00 Understanding Permitted Development Rights12:01 Caveats and Restrictions in Permitted Development23:46 Navigating Conservation Areas and Planning Permissions31:11 Understanding Full Planning Permission Requirements39:36 Key Considerations Beyond Planning Permission-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

In this episode, I'm delighted to welcome back our trusted specialist mortgage broker — Ellie Broadhurst.If you've been tuning in for a while, you'll already know that Ellie's insight into the lending market is second to none. She's right at the coalface, working with lenders and investors every day, and she has an incredible ability to cut through the noise and explain what's really going on.Since our last conversation, the base rate has been reduced — something we anticipated might be on the horizon. So in this episode, we unpack what that change actually means. We're talking mortgage products, swap rates, investor sentiment, market dynamics, and that all-important question: should you fix or track your mortgage?As always, Ellie brings practical advice, real-world context, and her signature no-nonsense style. Whether you're refinancing, planning your next purchase, or just trying to stay ahead in a shifting market, this episode is packed with value.Topics covered in this episode:02:54 Base Rate Reduction and Market Reactions06:02 Fixing vs. Tracking Mortgages08:52 Current Market Dynamics and Business Volumes12:02 Rental Market Trends and Tenant Behavior14:48 Future Predictions and Economic OutlookContact Ellie here, if you're interested in discussing your HMO mortgage and finance needs.-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

I'm sharing a recent conversation I had as a guest on The BEESPACE Podcast, hosted by my good friend Jade McNeil.Jade and I covered a wide range of topics—not just HMOs and property—but also the bigger-picture stuff: balancing life and business, navigating challenges, and the personal shifts that come with experiences like becoming a parent or facing health scares.It's a really open and honest chat. If you're running a business, managing a property portfolio, or simply trying to keep up with everything life throws at you, I think you'll find this episode both relatable and insightful.Topics covered in this episode:09:02 - Career Transition From Physiotherapy to Property21:05 - Building Arcvelop Investor Group27:57 - Navigating the Challenges of Property Development31:09 - Building Credibility Through Consistency33:45 - Creating The HMO Community and The HMO Roadmap39:17 - Navigating Social Media Challenges47:09 - The Impact of Fatherhood on Business-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

Whether you're personally investing in property or not, most people understand just how challenging it can be to find reliable builders and contractors. And we all know – regardless of our experience in property – how difficult it is to keep project costs sensible and under control.But as HMO investors, we recognise that this is a crucial part of building a successful business. We need to be able to secure the best contractors at the most competitive prices.In this episode, I'm going to share exactly how I go about doing this.Topics covered in this episode:01:23 - The Importance of Finding Good Contractors03:26 - Planning Ahead for Contractor Engagement12:04 - Building a List of Potential Contractors20:35 - Preparing the Information Pack31:04 - Understanding Contracts and Agreements37:39 - Building Long-Term Relationships with Contractors-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

In this episode, we're breaking down the headlines and taking a deep dive into the data to uncover what's really happening in the UK property and rental market. This is your April HMO Property Market Update—covering everything from house prices and mortgage rates to changes in tenant behaviour, the rental market, and new regulations. We're covering it all in this episode.Whether you're a landlord, investor, or just keen to stay informed, this is your full market download to help you navigate the landscape with clarity and confidence.Topics covered in this episode:02:31 – In-Depth Look at House Prices10:05 – Rental Market Trends & Tenant Behaviour16:08 – Interest Rates & Mortgage Updates20:11 – Key Changes in Legislation & Licensing23:03 – Broader Economic Overview25:24 – Effects on the Student Housing Market-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

In today's episode, I'm really excited to be joined by Jack Jiggens of XP Property, a very experienced property investor and developer. Jack has learned a lot over the years, and today he's sharing what it really takes to build a successful property business.Jack shares tips on finding deals, working with partners, and getting funding. We also talk about the ups and downs of the journey, and why being flexible and always learning is so important in this industry.If you're in property—or thinking about it—this one's packed with useful advice. Topics covered in this episode:03:00 – Jack's Journey into Property Development10:01 – Key Insights on Building a Property Business20:02 – The Importance of Strategic Partnerships23:48 – Funding Strategies for Growth32:14 – How to Find and Structure Profitable Deals-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

They've won awards, they've grown their portfolio steadily and strategically, and they've done it all while raising a young family. Jake and Lucy of Innova Property—mentors at the HMO Roadmap and recently crowned HMO Property Investors of the Year at the Property Investors Awards—are back on the podcast!In this episode, we're pulling back the curtain on what's been going on behind the scenes in their business. You'll hear how they've continued to grow in a tough market, and the practical strategies they're using to stay on track and scale sustainably.If you're looking to grow your own property business—whether it's recycling more cash, accessing funding, finding great deals, building better systems, or simply freeing up your time—this episode is packed with actionable insights. Especially if you're trying to juggle it all alongside family life, travel, or other commitments.Topics covered in this episode:02:59 – The challenges of scaling a property business06:02 – Diversifying your property portfolio strategically11:56 – Systemising operations to boost efficiency15:09 – Knowing when it's the right time to sell18:06 – The importance of rental confidence in today's market20:30 – How the HMO landscape is evolving25:14 – The three key pillars of successful property investing28:09 – How to build and nurture strong investor relationshipsListen to other episodes with Jake & Lucy:Ep 14 - Jake & Lucy - Building A Portfolio Using Parallel Strategies & A 25% ROI Case StudyEp 143 - More Properties, Bigger Projects And Even Better Results with Jake And Lucy Want to join Jake & Lucy's 1-2-1 mentoring program? You can enquire here.-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

In this episode, I shared the five most difficult aspects of investing in HMOs—and property in general. These are the challenges that have nearly made me quit on more than one occasion.If you've been investing long enough, you've likely faced some of these issues. By being open and honest about them, we can better prepare ourselves and realise we're not alone in experiencing them. Knowing that others face the same struggles can give us the motivation to keep going. This episode is important because the issues we're discussing are serious.Topics covered in this episode: 03:01 The Five Difficulties in HMO Investing05:54 Planning Challenges12:08 Financial Risks 17:54 People Management 22:01 Finding Deals in a Competitive Market25:46 The Importance of Resilience Please leave us a quick review on Apple Podcasts or Spotify to help us celebrate this milestone!-Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. 

In this episode, we're revisiting a popular episode where I answered a question I've been asked many times: what would I do if I had to start from scratch, but with £100,000? This is a common question in our community, and while the answer depends on personal goals, resources, and limitations, I'm going to share exactly how I would approach it. I believe my method is adaptable to any situation, and I hope you find it useful and insightful. Reflecting on my own journey has been fun, and I'm excited to share tips and strategies that can help you, no matter your business stage.Please leave us a quick review on Apple Podcasts or Spotify if you enjoy this episode!-Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a starter or premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. 

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

In this episode, I'm joined by Kevin, a former mentee of mine, and his wife, Angelina. Together, they run a property business called Nouveau Living. And for the first time on the show, we'll be discussing turnkey services. Most of our guests talk about how they've built their own property businesses, but Kevin and Angelina are taking a slightly different approach. While they're building their own asset-based HMO portfolio, they also offer a turnkey service.We'll explore what that looks like, covering everything from investing in HMOs, refurbishments, and interior design to creating products for your customers. Topics covered in this episode:02:51 - Kevin and Angelina's Journey to HMO Property Investment14:56 - Understanding the Turnkey Service Model25:00 - Meeting Investor Expectations27:43 - Adapting to Changing Trends in the Rental Market30:32 - The Importance of Durability in Property Design33:00 - Managing Contractors and Development RisksPlease leave us a quick review on Apple Podcasts or Spotify to help us celebrate this milestone!-Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get started now!

Are you using private finance to grow your HMO property business? And are you combining that with high street or bank finance? If so, that's great! In principle, there's nothing wrong with this approach. However, if it's not set up or managed correctly, it can lead to some serious issues, especially when it comes to refinancing or trying to repay your private investors.In this episode, Ellie Broadhurst, our specialist mortgage broker will discuss the potential consequences of getting this wrong. And trust me, it's easy to overlook or mismanage certain aspects. In fact, a lot of what we'll cover today may be things you're not even aware of—yet they can be major red flags for a bank when it comes to refinancing. If you make these mistakes, you could find yourself in a difficult situation, unable to pay back investors or refinance your property. If you're using private finance, this episode is crucial for you. Topics covered in this episode:04:57 - Understanding the Risks of Private Finance in Property Investment10:03 - Mitigating Risks and Ensuring Due Diligence14:57 - The Importance of Source of Funds and Investor Background Checks24:10 - Realistic Cost Assessments in Refurbishments31:35 - Managing Timelines and Expectations36:13 - Market Predictions and Future TrendsContact Ellie here, if you're interested in discussing your HMO mortgage and finance needs.-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

In this episode, we're doing things a bit differently. I'm joined by Sam and Alex from SO Properties—partners in business and in life. They're wrapping up their very first HMO deal, and I'm excited to talk to them about that experience. We'll be talking about the journey, the challenges they faced, and how they got started in the industry.But that's not all—we're switching things up a little. Sam and Alex have some questions for me, so we're going to have a mini Q&A session. I'll be drawing on my 15+ years of experience to offer as much advice as I can and help them navigate their journey.If you're just starting out or scaling up, this is an episode you definitely don't want to miss. Topics covered in this episode:03:10 - Challenges of Starting in Property Investment07:23 - Five-Year Plan and Financial Goals19:41 - Funding Strategies for Growth24:21 - Navigating Risk and Leverage in Property Investment27:05 - Balancing Cash Flow and Capital Growth29:04 - The Importance of Diversification in Property Portfolios34:28 - The Pros and Cons of Joint Ventures37:58 - Self-Management vs. Outsourcing Property ManagementPlease leave us a quick review on Apple Podcasts or Spotify to help us celebrate this milestone!-Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get started now!

In this episode, I'm excited to bring you up to speed on everything that's been happening in my businesses over the last few months, plus a general update as well.As many of you know, I've been on paternity leave recently, and when I first planned this update, I expected it to be a short episode with not much to report. Well, I couldn't have been more wrong! There's been so much going on—tons of exciting developments and real progress.So today, I'm giving you a full update. There's a lot to cover, and I'm especially excited about what 2025 holds. If you're curious to peek behind the curtain and hear all the latest from my business, stick around.Topics covered in this episode:01:49 - Paternity Leave and Family Life10:01 - New Projects and Planning Permissions19:30 - HMO Portfolio Management21:18 - HMO Community Milestones and New Content25:08 - Efficiency and Growth Strategies-Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. 

In this episode, I'm joined by Kieren Goldie, a property investor focusing on the South of England, particularly in prime Article 4 areas. Kieren's built an impressive business offering a full turnkey service—covering everything from property acquisition to project and property management.We'll discuss how Kieren got to where he is, the ups and downs of building a business like his, and how he's overcome challenges such as Article 4 regulations, planning restrictions, refurbishments, and sticking to budgets. If you're looking to build your own HMO property business, this is definitely an episode you won't want to miss.Topics covered in this episode:03:19 Kieren's Journey into Property Investment11:54 Navigating Article 4 Planning Restrictions18:15 Sourcing Properties in Article 4 Areas21:27 The Importance of Pipelining in Real Estate Deals25:48 Understanding Commercial Valuations30:11 Managing Build Costs and Project ManagementPlease leave us a quick review on Apple Podcasts or Spotify to help us celebrate this milestone!-Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get started now!

In this episode, I'm joined by James Ashford of Carter Ashford, a former mentee of mine, to talk about all things project management. James has years of experience managing large residential projects, and now he's applying those skills to the world of HMOs.Managing HMO projects can be one of the toughest parts of building a HMO business. It's not just about finding a great deal or managing tenants—it's about keeping your projects on budget, meeting deadlines, and making sure everything runs smoothly. James shares his insights on how to manage contractors, reduce costs, and stay on track throughout your projects.Topics covered in this episode:03:10 - James Ashford's Background in Project Management08:50 - Challenges in Managing HMO Projects10:44 - The Importance of Preparation in Project Management20:08 - Leveraging Contractors and Resources23:21 - Essential Documentation for HMO Projects36:54 - Understanding Contracts and Their Importance43:49 - Maintaining Project Timelines and AccountabilityIf you're working on HMO projects or thinking about getting started, this episode is full of useful tips to help you manage your developments more effectively.Please leave us a quick review on Apple Podcasts or Spotify to help us celebrate this milestone!-Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan at 20% off today and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Hurry! Offer extended until Feb 14th only!

In today's episode, we're revisiting a special one—an episode I wasn't sure I wanted to record but felt was essential. It's important to make it clear that investing in HMOs isn't just a highlight reel, and transparency is key when discussing what's truly involved. HMOs aren't for everyone, and there's a lot to consider: Do you understand the value of cash-flowing assets? Does property investment excite you? Are your priorities focused on cash flow or equity?If you're already investing in HMOs, this episode will be a great reminder, and if you're new to the world of HMO investing, it will help you decide if it's the right path for you. I'll break down 10 key factors you need to understand before committing your time and finances to HMOs. While I hope the answer is yes, it's important to ensure HMO investing aligns with your goals and risk tolerance.00:00 - Introduction to HMO Investing03:05 - Understanding the HMO Landscape06:11 - Key Considerations for HMO Investment12:03 - Evaluating Your Interest and Risk Appetite17:45 - The Importance of Long-Term CommitmentPlease leave us a quick review on Apple Podcasts or Spotify to help us celebrate this milestone!-Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan at 20% off today and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Hurry! Extended until February 14th only!

Struggling with high energy bills in your HMO? You're not alone. Today, I'm joined by Anthony Cherry, an HMO landlord and the founder of Timeostat – a company that makes smart thermostats. After facing the same energy challenges in his own HMOs, Anthony couldn't find a solution, so he created one. Now, with a successful business and a Dragons Den appearance under his belt, he's on a mission to help landlords manage energy costs better.In this episode, we'll talk about how to reduce energy consumption in HMOs, what the future of energy efficiency looks like, and Anthony's journey from landlord to entrepreneur.Topics covered in this episode:03:01 - Understanding Energy Consumption in HMOs05:58 - Practical Tips for Managing Energy Costs08:50 - The Role of Smart Thermostats15:02 - Benefits of HMO-specific Smart Thermostats21:10 - Data-Driven Energy Management26:49 - Anthony's Journey and Dragon's Den Experience*Get 5% OFF when you use the code ‘ROADMAP' at https://timeostat.co.uk/ Please leave us a quick review on Apple Podcasts or Spotify to help us celebrate this milestone!-Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. *New to HMOs? Join The HMO Roadmap on a premium plan at 20% off today and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Hurry! Limited time only!

In this episode, I'm really excited to be joined by a former mentee of mine, Rebecca Alcock. Rebecca is a Chartered Accountant and Chartered Tax Adviser, and until the summer of 2024, she was responsible for overseeing all taxes at a FTSE100 housebuilder. Since then, she's shifted her focus entirely to Jolly Property, a venture she co-manages with her husband, Jolly.Rebecca and Jolly primarily invest in Sheffield, and as you'll soon hear, they've achieved some truly remarkable things. What I find especially inspiring about their story is how they've managed to scale their business while Rebecca balanced a demanding corporate role—until recently—with raising a young family.This episode is a real masterclass in getting the balance just right. If you're looking to scale your property business but struggling to juggle a demanding job, a young family, and all the challenges that property can throw at you, this is definitely an episode you won't want to miss.Topics covered in this episode:06:01 – Transitioning from Corporate Life to Full-Time Property14:48 – Scaling Up: From Property Flips to HMOs18:00 – Navigating Article 4 Directions in Sheffield20:54 – Capital Raising Strategies and Building Investor Relationships30:01 – The Value of Mentorship and Networking32:53 – What Success Looks Like for Rebecca36:06 – Practical Tips for Property InvestorsPlease leave us a quick review on Apple Podcasts or Spotify if you enjoy this episode!-Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan at 20% off today and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Hurry! Limited time only!

In this episode, I'm going to answer a question that's on everyone's mind: which HMO strategy is best—students, professionals, or social HMOs? If you've saved up your hard-earned money and are ready to invest in HMOs, you probably want to know where you'll get the best returns, which strategy works best, and how you can scale your investment.So, where should you put your money for the best results?Today, we're going to look at this question, and I'll give you the best advice I can. But fair warning—the answer might not be as simple as you think! Topics covered in this episode:03:42 Defining Student, Professional, and Social HMOs07:02 Pros and Cons of Student HMOs12:39 Pros and Cons of Professional HMOs20:33 Pros and Cons of Social HMOs25:11 Determining the Best HMO Strategy for YouPlease leave us a quick review on Apple Podcasts or Spotify to help us celebrate this milestone!-Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan at 20% off today and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Hurry! Limited time only!

What's holding you back from building the HMO business you want, and more importantly, what are you doing about it?In this episode, I'm revisiting one of my most downloaded and valuable episodes, packed with insights to help you overcome key obstacles in building your property business.I'll share seven ideas that can help clear some of the biggest, yet easiest-to-overcome challenges. It's hard to see the full picture when you're in the thick of it, but get these right, and 2025 could be the year you finally build the HMO business you've always dreamed of.Topics covered in this episode:01:10 - Identifying Obstacles in Property Business03:19 - Seven Key Ideas to Overcome Challenges04:36 - Waiting for the Right Time06:57 - Mindset and Fear of Failure08:51 - Spreading Yourself Too Thin09:49 - Building Confidence in Your Abilities10:45 - Embracing Risks in Property Investment12:14 - Taking Action Towards Your Goals13:40 - Addressing Knowledge GapsPlease leave us a quick review on Apple Podcasts or Spotify if you enjoy this episode!-Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan at 20% off today and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Hurry! Limited time only!

Happy New Year! It's officially 2025, and in today's episode, we're going to look at some predictions and key trends for the year ahead.We'll talk about property values, the overall economy, and the rental market. I'll also highlight some risks and opportunities that could impact us as HMO investors.There's a lot to cover, but I think this is an important episode and a great way to kick off the year. I'm really excited to see what our community will achieve in the property market—and especially in the HMO space—this year.Topics covered in this episode:01:06 – Reflecting on 2024 and Setting Goals for 202504:44 – Economic Outlook for 202505:12 – Predictions for Property Values & the Rental Market17:00 – Key Opportunities for HMO Investors20:18 – Risks Facing HMO Investors-Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan at 20% off today and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Hurry! Limited time only!

Wishing you and your family a very Merry Christmas!In this episode, I'm revisiting what I consider one of the most valuable I've ever recorded. I'll be sharing my proven five-step system for building and scaling a sustainable HMO property business.The truth is, it's not hard to find a good HMO and make some profit. But to do this consistently, and scale it into a business that gives you time, freedom, and flexibility—that takes a process. I've been refining this system for nearly 15 years, and it's still the approach I follow and teach to my mentees today.If you're new to the show, this is a great episode to start with. And if you're an experienced investor, it's a perfect chance to refresh your approach.Topics covered in this episode:03:00 – My Five-Step System for HMO Success05:51 – Finding the Right HMO Properties11:56 – Funding Your HMO Business18:05 – Fixing and Refurbishing Properties25:00 – Filling Your HMO with Tenants30:09 – Getting into the Flow of Managing Your HMO Business-Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. 

Have we hit the goals we set ourselves back in January? Have we smashed those targets, or have we fallen short?It's become a bit of a tradition on this podcast for me to break down my goals and share exactly how I've done against the targets I set. I really enjoy these episodes because, not only is it part of the accountability process, but it's also a great way to keep things completely honest and transparent with you.Social media—Instagram, Facebook, and the like—often turns into a highlights reel. And, if you're not careful, the same can happen with a podcast. But that was never the intention for this podcast. It's all about keeping it real—the actual ins and outs of running a property business and building an HMO portfolio.So in this episode, I'm going to share everything with you. I'll tell you exactly how I've performed against the targets I set earlier this year. If you're curious and want a peek behind the scenes, then make sure you stick around.Topics covered in this episode:03:00 – Why Goal Setting and Regular Reviews Matter05:51 – Looking Back at 202314:49 – Finding Balance Between Work and Life21:00 – Business Growth and Financial Results26:46 – Challenges I Faced and What I Learned30:05 – Setting Goals for the Future and Key Takeaways-Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. 

In this episode, I'm on the other side of the mic. I recently joined Jerry Alexander on The Commercial Property Investors Podcast, and we had a great conversation. I shared my journey, starting with HMOs, building property businesses, and progressing to buying commercial properties and undertaking bigger and better projects. We also discussed the ups and downs of buying, selling, and investing in property.Topics covered in this episode:02:23 How Andy's Passion for Property Started08:36 Experience in Building a Property Portfolio12:20 Transitioning to Commercial Developments25:45 Navigating the Development & Planning Process 31:55 The Importance of Effective Project Management39:46 Building a Strong Reputation in Real Estate43:36 Balancing Multiple Ventures Successfully-Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. 

In this episode, I'm going to talk about guarantors and why I think they can be a great solution to many of the challenges you might face when managing HMO properties. I know not everyone agrees with me but in this episode, I'll be sharing some thoughts from our community, as well as my own opinion. I'll also give you the information you need to make the best decision for your business. If you're managing tenants or HMOs, this is definitely an episode you'll want to stick around for. Topics covered in this episode:03:31 – Understanding Guarantors08:10 – Why Guarantors Are Often Required19:10 – The Benefits of Having a Guarantor-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

In today's episode, I'm thrilled to welcome back Mike Clay of Clay Properties. For those of you who follow my work, you'll know that Mike is not only a great friend, but also one of my business partners. In fact, Mike has become a bit of a regular on the show!Today, I've brought Mike back to talk about something very specific—raising private finance. This is a key strategy that has played a huge role in how Mike has rapidly and successfully built his HMO property business. It's also something that, alongside one of our other business partners, we've done on a regular basis, raising millions of pounds to fund property investments. So, when it comes to raising private finance, there's no question—Mike knows his stuff. And today, we're excited to share some of that expertise with you.Topics covered in this episode:02:09 The Importance of Raising Private Finance06:51 Understanding HMOs and Their Financial Benefits10:15 Types of Private Finance19:26 Preparing for Investor Conversations 25:32 How to Build Trust30:18 Diversifying Funding Sources for Property Investment33:39 Mitigating Risks in Property Deals40:43 Due Diligence in Investor Relationships44:08 Preparing for the Future Trends in Private FinanceListen to other episodes featuring Mike Clay:Episode 81: 0-13 HMOs In 3 Years With Mike Clay (THIS Is How To Do It)!Episode 163: 'HMO Investor Of The Year' Mike Clay Returns To Reveal His Strategy For Success & Much More!-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

In this episode, I'm excited to catch you up on what's been happening in my businesses over the past couple of months. I'm a big believer in starting with the end in mind, and while setting goals and targets for your business is key, I think it's just as important to have goals and dreams outside of business too—those are the real reasons we build businesses in the first place.So, I'll share some updates from my businesses, plus a peek into my personal life. I'll talk about the challenges I've been facing with settling in new tenants for my HMOs, updates on my development projects, my thoughts on the autumn budget, and more!-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

In this episode, I'm joined once again by our expert mortgage broker, Ellie Broadhurst, to discuss Rachel Reeves' recent "doom budget" and what it means for property investors. We'll talk about the latest budget, its impact on the property market, and what lenders are saying about it.We'll also break down the Bank of England's recent decisions, how rising interest rates are affecting property investment, and what to expect moving forward. Plus, we'll cover changes to stamp duty, new opportunities in commercial property, and offer some advice for property investors.Topics covered in this episode:03:43 – Lenders' views on the latest budget09:33 – Best opportunities for professional landlords11:54 – Reaction to stamp duty and interest rate changes18:14 – Property market predictions for 202524:30 – Advice for property investorsContact Ellie here, if you're interested in discussing your HMO mortgage and finance needs.-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

In this episode, I want to talk about HMO maintenance. As an HMO investor and landlord, maintaining your properties is a big part of the job. It's something you'll need to stay on top of for the long term. Good maintenance is key to keeping your business—and your HMOs—profitable. If you let it slide, it can quickly lower the value of your portfolio and undo all the hard work you've done finding great deals and refurbishing properties.I'll also be sharing some insights from our community about common maintenance problems, why it's important to budget for maintenance, and the best ways to manage it.And, I'll give you six of my best tips to help you save time, reduce costs, and manage maintenance more easily.Topics covered in this episode:02:54 Why Maintenance is So Important10:48 Common Maintenance Issues in HMOs16:36 Best Practices for Managing HMO Maintenance27:09 The Importance of Long-Term Planning-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

Ready to build your business empire?In this episode, I'm excited to welcome Kane Andrews, a successful entrepreneur, property investor, and founder of Rockstar Property. We discuss his unique journey from musician to property investor and how he scaled his business using investor finance.Kane shares his expert insights on building a strong team, implementing effective systems, and navigating the challenges of property investment. Whether you're a new investor or a seasoned pro, you won't want to miss his invaluable advice!Topics covered in this episode:02:55 - Kane's transition from music to a successful property entrepreneur09:08 - How he scaled his business by using investor finance11:59 - The importance of raising finance in building a business 14:52 - How he built a diverse business empire that goes beyond HMOs20:59 - Get insights into Kane's unique HMO business approach29:00 - Understand the role of a solid team and effective systems and processes30:28 - Top tips for new property investors32:24 - How to navigate challenges and adapt to market changes-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

In this episode, we'll discuss the significant changes to the Renter's Rights Bill, particularly focusing on the amendments made by the Labour party - the abolition of Section 21 evictions, the introduction of rent controls, and the implications for landlords, especially those operating in the student housing market. Topics covered in this episode:03:05 - Key Amendments to the Renter's Rights Bill05:50 - Abolition of Section 21 Evictions09:00 - Rent Controls and Health Standards11:47 - Evictions for Personal Reasons and Rent Repayment Orders15:01 - Impact on Student HMO Landlords17:50 - Challenges and Opportunities for LandlordsEpisode mentioned #257 Important Update For HMO Investors About The Renters Reform Bill-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

How do you scale a HMO business from 0 to 1,500 rooms?In this episode, I'm joined by Jordi Pasqualin, a former professional rugby player and now co-founder of BAM Capital. We talk about the unique business model of lease operators and discuss the challenges and misconceptions in the HMO industry.Jordi also shares his insights and experience on scaling the business through acquisitions, logical planning approaches, and the sacrifices made along the way to achieve success in the property market. Topics covered in this episode:02:48 - Jordi's transition from rugby player to property investor06:57 - Understanding how the lease operator model works09:49 - Overcoming challenges and stigmas in the HMO industry12:38 - The importance of mindset shifts in growing your business20:39 - Realities of building a successful property business24:28 - Managing evolving tenant needs and expectations35:21 - Future challenges and opportunities in property management-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

We're revisiting a classic from the vault—an episode that covers everything you need to know about stress testing your deals.I wanted to highlight this topic again because I've noticed a surge in questions from our community lately. This uptick is likely a result of rising prices, changing legislation, and a bit of market panic. Deals aren't as profitable as they once were, and understandably, HMO property investors like you, want to plan effectively and ensure your deals are as strong as possible.In this episode, we outline ten key points to stress test, including purchase price, interest rates, refurbishment costs, occupancy rates, and more.So whether you need a refresher or you're new to investing in HMOs and unsure how to start stacking deals, today's episode is definitely for you.Note: This episode was originally published on October 28, 2020.Please leave us a quick review on Apple Podcasts or Spotify if you enjoyed this episode.-Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a Premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. 

We're celebrating the 4th anniversary of The HMO Podcast! Can you believe it?Over the years, I've learned so much—not just about podcasting, but about business as a whole.In this special episode, I want to take the opportunity to celebrate and reflect on those lessons, as many of them will be applicable to your own HMO property business.Join me as I share the most important insights I've gained over the past four years while building this part of my business. I believe these will be incredibly valuable for you in your own property journey.Please leave us a quick review on Apple Podcasts or Spotify to help us celebrate this milestone!-Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a Premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. 

In this episode, I'm answering a question recently asked by one of our members in the HMO community. It was a great question that led to some interesting discussions, although people had different opinions.Steven asked how to go about buying an HMO with tenants in place that needs some cosmetic work. As you can imagine, the answer isn't simple, and there were different views. If you're thinking about buying an HMO yourself, whether it comes with tenants or you have the option to do so, this is definitely something to consider.We'll dive into this topic, and I'll share my best advice on how to handle it.-Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. 

Curious about what's been happening with my HMO businesses? In this episode, I'm excited to bring you up to speed on my HMO portfolio, development business, and trading groups. I'll cover how I managed my HMO properties over the summer, share some special news, and talk about any challenges I've encountered with property deals. Plus, I'll update you on my development projects and discuss the importance of community engagement and building partnerships. As I prepare for these upcoming changes, I'll also highlight how crucial good time management and planning have become.-Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a Premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. 

Can a magazine feature boost your HMO property business?In this episode, I'm excited to be joined by Sam Cooke, the owner and editor of Blue Bricks Property Magazine. Sam will be sharing his valuable insights on the current trends in the property market, the benefits of being featured in magazines and publications, and how you can secure a spot in these media outlets.If you're looking to raise private finance, boost your opportunities, or connect with key people in the industry, this episode is a must-listen!Want to attend the Pigeons & Property event? Reserve your seat here.-Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. 

Are you managing the finances for your property business effectively?In this episode, I'm going to share a simple but powerful tip to help you manage your property business finances. You might be wondering why this matters so much.Well, there are two big reasons. First, if you're not keeping track of your finances, you can't really measure how well your business is doing. Without that insight, you're flying blind.Second, ignoring your finances can lead to a bunch of small problems that will eat up your time and energy. As a property investor, your time is valuable. You didn't start this business just to spend all your time managing it. The goal is to make money and get some of your time back. So, stick around, and I'll show you exactly how I manage my property business finances. This approach could help you streamline your work and reclaim your time.-Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. 

In this episode, we're going to talk about your HMO Power Team. I'll explain why it's so important to have a strong team for successful HMO property investing and list 20 key people you should have on your team.Think of building a successful property business like putting together a great symphony. You shouldn't play every instrument yourself; instead, you should be the conductor. It's crucial to have the right people—skilled and experienced professionals—helping you reach your goals. We'll cover all this and more in today's episode.-Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. 

In this episode, we'll talk about why it's so important to start with the end in mind when building a property business.Here's what I do with every mentee: we sit down together to plan out their business and then work backward from that plan. I'm interested in what they want their business to look and feel like in the future, not just in terms of money but also in the freedom and flexibility it provides.Too often, people begin building their property business without a clear vision. As a result, they might reach some financial goals but end up with a business that doesn't give them the lifestyle they wanted.I'll explain why it's crucial to design your business around your future goals. We'll cover important factors like location, tenant types, cash flow and equity management, risk tolerance, legacy plans, and realistic timeframes—all while making sure you enjoy the process and keep a good work-life balance.-Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. 

Are you having trouble getting your property business started?In this episode, we'll cover the five main reasons people often struggle to launch their property ventures. We'll talk about issues like poor financial planning, not knowing the legal rules, not making important priorities and sacrifices, lacking a strong support network, and being afraid to take the first step.We'll also discuss why it's crucial to understand your finances, plan ahead, and build connections with others who share your goals. If you're finding it hard to get your property business off the ground, this episode is for you.-Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. 

In this episode, we're discussing something I believe is incredibly important: return on investment (ROI) or, as I prefer, return on capital employed (ROCE).This is undoubtedly one of the most critical metrics we should consider when appraising and analysing deals in our business. However, in my opinion, and I need to get on my soapbox here, too many people are excessively focused on this target, setting standards that are simply too high. This, in fact, hinders the future potential and performance of their business.Now, that might sound counterintuitive because surely the better the ROI, the better the ROCE, the better the business, and the more you can grow your business. So in this episode, we're going to discuss that, including:- Understanding ROCE and its limitations- The pitfalls of overly high expectations for ROCE- How to balance ROCE with other metrics- Alternative strategies for ROCE- The benefits of long-term investingPlease leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. 

In this episode, I'm excited to have our specialist mortgage broker, Ellie Broadhurst, back on the show. Ellie is our expert when it comes to mortgages and finance, and we always turn to her for advice.We're going to chat about what Labour's policies could mean for the property market. We'll also look at whether we might see our first base rate cut in years—could this finally be happening?Ellie has some important tips on commercial valuations and using private finance along with mortgage lending. This is key information for anyone involved or thinking about getting into these areas. We'll also discuss whether now might be the time to consider two-year or three-year fixed-rate mortgages instead of five-year ones, as things might be looking more positive.So, if you want to hear what Ellie thinks about all this, make sure you stick around!Interested in discussing your HMO mortgage and finance needs? Contact Ellie Broadhurst here. -Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. 

In this episode, I'll be giving you a business update, sharing exactly what's been happening in my businesses over the last couple of months. It's been a busy period with lots going on. If you're interested in how I'm developing my property businesses, what's going well, and what challenges I've encountered, then stick around. Relax and enjoy this episode of the HMO Podcast.-Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. 

The Labour Party is in power, but what does this mean for property investors across the UK? More specifically, how will it impact HMO property investors like you and me?In this episode, I'll walk you through some of the key mandates and policies that will affect the property market. We'll cover tenant protections, potential changes to stamp duty, Labour's house-building ambitions, home buying aspirations, sustainable development programs, possible tax changes, and the overall investment uncertainty.I'll share my thoughts on what the future holds and what actions we can take right now. As you'll soon discover, significant changes are coming. This is definitely an episode you don't want to miss.-Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. 

In this episode, we're doing something a bit different. I'm not the interviewer today; I'm the interviewee. Neil Gibb, a fellow HMO investor based in Australia, wanted to find out what it has taken for me to build my property businesses. I'll be sharing the ups, the downs, and everything in between with Neil and, of course, with you. If you want to know what it took to go from being a full-time physio in 2010 to running several multi-million-pound property businesses now, make sure you stick around.-Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. 

In this episode, I'm joined by Ben Beadle, Chief Executive of the NRLA (National Residential Landlords Association), representing over 100,000 landlords across England and Wales.With 20 years of experience as a landlord and senior roles at Places for People and TDS, Ben is a prominent figure in the housing sector and media.In this insightful conversation, we'll cover:The challenges and opportunities in the private rented sector.The role of private landlords in the housing crisis and the need for a balanced approach to housing solutions.The importance of providing a voice for landlords and advocating for their interests.The impact of regulation on landlords and the necessity of professional support and compliance.Ben's thoughts on the future of the sector and the need for collaboration with elected representatives.You won't want to miss this insightful chat with Ben Beadle as we explore the possible upcoming changes in the government.-Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and get 20% Off until July 7th! Unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Hurry! Limited time only!

In this episode, I'm thrilled to welcome Alex Babouris to the show. Alex is the Founder and Partner of Babouris Living, a multi-award-winning, fully integrated investment platform specialising in Cambridge property.In this conversation, we'll cover the following:The vital role of effective HMO managementThe hurdles and rewards of building a successful agencyThe perks of rent-to-rent deals for expanding your portfolioHow to create a standout customer experience and boost community engagementStrategies to maximise profits in high-value areas like CambridgeTips for finding and securing the best dealsYou won't want to miss this engaging chat with Alex Babouris as we uncover the secrets to thriving in the world of HMO property investment and management.-Please leave us a quick review on Apple Podcasts or Spotify if you find this episode useful.Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and get 20% Off! Unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Hurry! Limited time only!