Podcasts about hmos

#256Our WhatsApp  groupProperty Engine discounts (Code: EXPAT)Starter: 30 day trialPro: 30 day trial/3 mths 1/2 price, Ultimate: 1/2 price 3 monthsGoalsettingLeave a review37 Question Due Diligence Checklist / Auction GuideOur Sponsors: Finnigan McNeill Property GroupThis is the seventh episode in this year's mini-season celebrating the 12 Days of Christmas.We're releasing daily bite sized episodes.Each one contains clips from three of my favourite episodes from 2025.Today's show features extracts from:#229: Creating 205K Equity with just £18,000 (Motiul Islam)#230: What No One Tells You About HMOs (Richard Nicholls)#231: How to Sell Property at Auction (Piotr Rusinek)Keywords UK property podcast, Expat property investment podcast, UK property investing tips, UK expat property story, Buy to let UK podcast, HMO investing UK, Creative property deals podcast, Selling property at auction UK, UK property auctions podcast, Social housing investment UK, Property development UK podcast, Forced appreciation property UK, How to build a UK property portfolio as an expat, UK property market update podcast, Tips for selling property at auction in the UK, Hands-off UK property investment, Choosing the best UK auction house, Northwest UK buy to let podcast, Profitable HMO strategies UK, Social housing HMOs podcast tips, UK property strategies podcast, Real estate podcast UK, UK landlord advice podcast, Passive income property UK, UK property buying process podcast, Auction property tips UK

In this week's episode of The Property Rebel: Arsh Ellahi tackles one of the biggest questions property investors are asking right now — is the UK finished, or is this the biggest property opportunity in 20 years? With headlines full of doom and gloom, Arsh cuts through the noise and explains why the UK remains one of the most stable and investable markets in the world — if you know how to adapt. He breaks down housing shortages, lender confidence, money markets, and why "lazy investing" is what's really finished, not the UK. Arsh also shares why downturns create opportunity, how professional investors are positioning themselves right now, and why strategy matters more than ever. From yields and negotiation power to smarter asset classes like HMOs and conversions, this episode is a must-listen for anyone serious about building long-term wealth through property — even in challenging times. Join the Property Investor App WhatsApp Channel: bit.ly/PIAWhats   Book Your 1 Hour Call with Arsh here: http://bit.ly/1HourPropertyCoach   Wanna connect with Arsh? Click this link: www.arshellahi.com/contact   Want to know more about the Property Rebel? Head over to Arsh's Youtube Channel. Where you can find lots more quality content and information. Click To Subscribe   Have you heard about Arsh's app the Property Investor? You can download it directly to your mobile by clicking the links below:   Apple Devices: Download Here   Android Devices: Download Here   Or Visit the website by clicking HERE   Thank you for listening! #propertyrebel

Send us a textWe bust the biggest mortgage myths holding investors back and show how to structure deals that lenders actually fund. From day-one remortgages to HMOs and auctions, we explain the rules, the exceptions, and the smarter exits that keep risk in check.• six-month ownership myth and day-one remortgage options• prohibited uses on standard mortgages and compliant lender routes• risks of auctions with mortgages and safer funding stacks• second charges with bridges and SSAS first-charge realities• HMOs and development finance without prior experience• deposits for development versus investment and stretch LTVs• designing for commercial valuation with ensuites and demand comps• exit-first planning, comparables, rental coverage and lender fitYou can email us at inquiries at simplefastmortgage.comYou can ring us, the team will be delighted to take your call, and you can jump on the websiteThere's a quick form on there, it takes about 30 seconds to fill in, and we'll be in touch with you within 24 hoursWe are closing the office on Friday this week, and we'll be closed for two weeks for the Christmas breakIf you want to have a quick chat before then, get in quickVALUABLE RESOURCES: Let me help you build your property business, Check out how I can support your investing now. Visit https://www.thepropertyunleashed.com/home My Property Investing Community called Property Education To Action, This is the best place to achieve your property goals and build the life you desire. https://educationtoaction.com Apply here: thepropertyunleashed.com — click Inner Circle “Free Goal Setting Masterclass: Build Your Life In Five Days” “If you've enjoyed these episodes, leave us a five-star review” https://www.facebook.com/groups/816926952556608 to meet like-minded property investors and be a part of the community. CONNECT WITH ME: Facebook: https://www.facebook.com/mark.fitzgerald.7921Instagram: https://www.instagram.com/markfitzgeraldentrepreneur/Linkedin: https://www.linkedin.com/in/mark-fitzgerald...

Simon discusses the importance of not letting the uncertainties of 2025 hinder your property investment opportunities in 2026.  With interest rates beginning to stabilise and a buyer's market prevailing, the episode emphasises the need for proactive investment strategies. Simon outlines the five golden rules of property investing, highlighting the significance of buying from motivated sellers and focusing on properties that generate positive cash flow. KEY TAKEAWAYS Successful property investment relies on five key principles: buying from motivated sellers, focusing on areas with strong rental demand, ensuring positive cash flow, holding properties for the long term, and maintaining a cash buffer for unexpected expenses. The new Renters Rights Bill, effective in 2026, introduces significant changes to property management. While it may make it harder to evict tenants, good landlords who manage their properties professionally should still be able to navigate these changes effectively. High-end HMOs (Houses in Multiple Occupation) and serviced accommodation (short-term rentals) are highlighted as the two main strategies for property investment in 2026. To succeed in property investment, it's crucial to be educated and informed about the market. BEST MOMENTS "I think there's a huge opportunity cost of you not acquiring property in 2026." "The Renters Right Bill is coming in. It's been signed off by King Charles. It is law." "If you are a good landlord and you're doing things correctly, you should be okay." "In many areas there's an oversupply of HMOs. It's got to be high-end which look better." VALUABLE RESOURCES Join my free 2-hour live workshop where I'll show you how to choose the right property coach to fast-track your results in 2026: https://property.isrefer.com/go/GRF26CW/Podcast/ To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Based on a popular well known Christmas carol this episode reminds us about prescribing thoughtfully, recognising key red flags, and keeping often-missed diagnoses like bile acid diarrhoea, coeliac disease and liver disease on the radar. The episode also reinforces the importance of early-life microbiome influences and structured differential diagnosis for abdominal symptoms in primary care. Prescribing and de-prescribing • Taper PPIs rather than stopping abruptly to avoid rebound acid hypersecretion, driven by upregulated gastrin during PPI therapy. • Always link NSAID use and H. pylori status to ulcer risk, and remember: gastric ulcers typically cause pain with meals, duodenal ulcers 2–3 hours after eating. Diagnosis, tests and red flags • Use three coeliac test “groups”: serology (tTG/EMA, with total IgA checked), genetics (HLA‑DQ2/DQ8) and duodenal biopsies; ensure patients eat gluten for at least six weeks pre‑testing and to endoscopy. • Actively screen for GI red flags: dysphagia and weight loss (upper GI), PR bleeding and unexplained iron‑deficiency anaemia (lower GI), and escalate for urgent investigation. Practical tools and endoscopy indications • Use the Bristol Stool Chart (types 1–7) routinely in consultations to standardise conversations about stool form and avoid ambiguous “food analogies.” • Remember the three main indications for endoscopy: diagnostic (e.g. dyspepsia, chronic diarrhoea), surveillance (Barrett's, polyp follow‑up) and therapeutic (RFA/EMR in Barrett's, polyp removal). Conditions to consider and not miss • Keep bile acid diarrhoea prominent in the differential for IBS‑D: up to ~40% of IBS‑D patients may have it, particularly with ileal disease/resection, Crohn's, or post‑cholecystectomy. • Maintain a broad GI bleeding differential beyond cancer (e.g. gastritis, peptic ulcer, Mallory–Weiss tear, haemorrhoids/fissures, liver disease/coagulopathy, IBD, angiodysplasia, diverticular disease). Liver disease, microbiome and early life • Remember major causes of liver failure in primary care: excess alcohol, paracetamol overdose, DILI, autoimmune hepatitis, Wilson's disease, haemochromatosis, viral hepatitis B/C and progressive MASLD. • Support breastfeeding where possible to promote a healthy infant microbiome (HMOs favouring bifidobacteria) and recognise how birth mode and early microbes shape immune development and later allergy/immune risk. Structuring abdominal symptom assessment • For undifferentiated abdominal symptoms, consciously work through a core list: IBS, lactose intolerance, coeliac disease, gastroenteritis, SIBO, IBD, diverticular disease, colorectal cancer, peptic ulcer disease, gallstones/biliary colic, pancreatic insufficiency and medication‑related causes (e.g. metformin, NSAIDs, antibiotics). • Use these categories to guide targeted history, examination, basic tests and thresholds for referral back to gastroenterology or specialist services. Chapters (00:00:04) - The 12 Days of Gutmas(00:01:04) - PPIs(00:02:19) - How to manage gastric and duodenal ulcers on(00:03:40) - Celiac disease tests 6, Interventions(00:05:33) - GI red flags on Christmas Day(00:07:48) - The main indications for endoscopy(00:09:07) - 7 causes of liver failure on Christmas Day(00:10:17) - Healthy gut microbiome 8 days after Christmas(00:12:03) - Bile acid diarrhea(00:13:52) - 10 causes of abnormal gastrointestinal bleeding(00:15:34) - The microbiome of the body(00:17:55) - 12 causes of abdominal dysrhythmia(00:19:59) - 12 Days of Gutmas

In this episode of Your Property Network, Ant is joined by portfolio landlord and full-time property professional Rebecca Alcock, who shares her journey from corporate life as a Chartered Accountant to building a thriving, cash-flowing property business. Rebecca talks candidly about how she scaled a portfolio of 60 HMO rooms in Sheffield, why stability and predictability have shaped her strategy, and how her focus has evolved from aggressive cash flow to long-term capital appreciation. They explore HMOs vs blocks of flats, working within strict Article 4 areas, raising funds through private investors, and why simpler deals often outperform complex projects in the long run. The conversation also dives into the realities of leaving a well-paid corporate career, juggling family life, avoiding burnout, building a team, and creating a property business that supports lifestyle freedom — not stress. Whether you're starting out, scaling up, or considering the leap into property full-time, this episode is packed with practical insight, honest lessons, and real-world perspective. For more expert conversations, real deal breakdowns, specialist training and ongoing support, check out YPN+ — the low-cost, high-value alternative to expensive property courses. Get the tools, knowledge and community you need to invest with confidence at ypn.plus. Grab your FREE YPN Toolkit https://bit.ly/ypn-toolkit

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership——————————————————————In this episode of This Property Life, host Sarah Blaney speaks with Jake Colwill, an experienced property investor and developer based in Bristol. Jake shares how he and his partner Lucy have built a smart, sustainable property business by flipping properties to generate capital, which they then reinvest into high-quality HMOs in premium southern markets. What You'll Learn:How flipping properties can fuel long-term investment in high-value areas.Why Jake and Lucy focus on tight geographic areas and niche property types.Smart strategies for sourcing off-market deals through relationships and persistence.The mechanics of high-end HMO investing in Article 4 areas, including planning and valuation tips.How to build and maintain a scalable, sustainable property business with clear strategic focus.Timestamps[02:39] - The Origins of Their Strategy[06:03] - Freehold Blocks and Title Splits[09:22] - Sourcing Off-Market Deals[16:02] - Structuring Their Business[19:01] - What Makes a Premium HMO[22:01] - Valuations: Commercial vs. Bricks & Mortar[24:37] - Hold Strategy and Long-Term Thinking[27:36] - Building Momentum Through Niching[30:29] - Final Thoughts and Resilience in PropertyThis Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Jake Colwill Socials:LinkedIn: https://www.linkedin.com/in/jake-colwill-1279b9104/?originalSubdomain=ukInstagram: https://www.instagram.com/jake_colwill/LinkedIn (Company): https://www.linkedin.com/company/innova-property/Website (Company): https://www.innova-property.com/Follow This Property Life Podcast on Socials:Website:https://thispropertylife.co.uk/ Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ YouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Hosted on Acast. See acast.com/privacy for more information.

We explore how reducing variation in cost, outcomes, and experience creates real value, and why deep provider metrics and real-time member support outperform box-checking credentialing. Kate Grohal shares a playbook for aligning incentives without repeating the mistakes that soured HMOs.• defining quality as reducing variation across cost, outcomes, experience• Kate's path from patient escort to quality leader• why NCQA alone falls short for measuring provider performance• additional metrics: infection rates, readmissions, team engagement, co-management• building value-based networks that screen out low-performing providers• real-time care navigation via nurses, MAs, and app-based prompts• behavior change through waived cost-sharing and premium reductions• the downside of PEPM fees and paying for non-performance• differentiating value-based care from old-school HMO denial tactics• employers moving from back seat to driver's seat• tech adoption gaps and the next five-year horizonVisit BenaPower.ai or email info@BenaPower.com to schedule a demoFor more information, visit HatcherMedia.net — that's H A T C H E R Media.netThis episode is sponsored by Benepower, the platform of choice for a modern benefits experience. Benepower is an AI-powered benefits platform offering access to top products and services, enabling consultants and employers to create customized plans, optimize usage, and measure effectiveness. www.benepower.com

Send us a textThe Renters' Rights Act is here, and the rulebook for landlords and tenants is changing fast. We brought in Alice and Anthony McMullen of Homemaker Properties to translate the legal shifts into practical steps you can take today—and a timeline you can actually plan around.We start with what lands first: new council investigatory powers this December and the end of Section 21 by May 1, 2026. Possession doesn't vanish, it moves to Section 8—with specific grounds for selling or moving back in, tougher notice periods, and a higher bar for evidence. We dig into how to document conversations, serve notices you can prove, and avoid courtroom surprises. Then we unpack the big structural shift: all tenancies become periodic in 2026. That means flexible exits for tenants, and more methodical processes for landlords who want stability. Student lets and HMOs are a special case; Article 4 areas, seasonal gaps, and planning constraints demand sharper strategy, from joint and several agreements to mixing professionals with students to reduce voids.Money and mechanics get a reboot too. Annual rent increases must run through Section 13 with defined notice periods. Advance rent requirements are curbed, while guarantors and insurance‑backed options step in for international or credit‑thin applicants. Discrimination against families and benefits claimants is out; affordability criteria, fairly applied, keep you compliant. Pet requests shift to case‑by‑case judgment, with property suitability and impact on other occupants as key tests. On enforcement, fines rise and rent repayment orders stretch to 24 months. From late 2026, the landlord database arrives, with safety certificates, property details, and public access to enforcement history—nudging the market toward transparency and professional standards.We also look ahead: a private‑sector Decent Homes Standard, updated HHSRS rules, damp and mold timeframes, and the likely EPC C requirement by 2030. The path is clear even if dates slide. Our take: tighten your systems, audit compliance, price fairly with evidence, and communicate clearly. If management admin is eating your week, consider professional help; your time has value. If your portfolio leans heavily on marginal HMOs, model family lets in strong locations where tenants stay longer and voids shrink. Want the immediate pVALUABLE RESOURCES: Let me help you build your property business, Check out how I can support your investing now. Visit https://www.thepropertyunleashed.com/home My Property Investing Community called Property Education To Action, This is the best place to achieve your property goals and build the life you desire. https://educationtoaction.com You can learn and take action on your property goals for just £1 Visit www.educationtoaction.com to explore free Property Ebooks and guides in Rent-to-Rent, Serviced Accommodation, Deal Sourcing, PLOs and more and also our FREE training masterclasses to help you generating a sustainable income through property. https://www.facebook.com/groups/816926952556608 to meet like-minded property investors and be a part of the community. CONNECT WITH ME: Facebook: https://www.facebook.com/mark.fitzgerald.7921Instagram: https://www.instagram.com/markfitzgeraldentrepreneur/Linkedin: https://www.linkedin.com/in/mark-fitzge...

In today's episode, I'm tackling the question everyone is asking right now: is it still worth investing in property? With rising costs, tighter lending, more competition and a general sense of uncertainty, it's no surprise that so many investors are wobbling. Instead of giving you a polished answer, I'm breaking down what's actually happening, what matters, and why the fundamentals still hold strong.We'll talk honestly about the challenges in today's market, the pressure on deals, the realities of operating HMOs right now, and why this period is shaping the next generation of real operators. If you've been second-guessing your strategy, this will help steady the ship.

In this week's episode of The Property Rebel: Arsh Ellahi breaks down a worrying trend affecting landlords across the UK — councils are now actively informing your mortgage lenders and insurance companies about your HMO applications, prohibition notices, and even minor compliance issues. Arsh shares real-life examples from his own portfolio, including how a simple licensing renewal triggered automatic notifications to lenders, and how an incorrect prohibition order almost led to uncomfortable conversations with the bank. He explains how councils are increasingly using enforcement, licensing requirements, and minor technicalities to generate revenue — and how this could put unprepared investors at serious risk. From wrong mortgage products to insufficient insurance cover, Arsh reveals the pitfalls many landlords fall into without realising it. If you own HMOs or plan to buy one, this episode is essential listening to protect your portfolio and avoid costly surprises. Join the Property Investor App WhatsApp Channel: bit.ly/PIAWhats   Book Your 1 Hour Call with Arsh here: http://bit.ly/1HourPropertyCoach   Wanna connect with Arsh? Click this link: www.arshellahi.com/contact   Want to know more about the Property Rebel? Head over to Arsh's Youtube Channel. Where you can find lots more quality content and information. Click To Subscribe   Have you heard about Arsh's app the Property Investor? You can download it directly to your mobile by clicking the links below:   Apple Devices: Download Here   Android Devices: Download Here   Or Visit the website by clicking HERE   Thank you for listening! #propertyrebel

This episode features Prof. Yvan Vandenplas MD PhD from the University Hospital Brussels and Vrije Universiteit Brussel (Belgium), speaking about the science on probiotics and prebiotics in infant formula. Over the past 20 years in this field, awareness of the importance of the gastrointestinal microbiota has grown, and biotics have been employed to try to shape the gut microbiota of infants formula-fed to resemble that of breastfed infants. In particular, human milk oligosaccharides (HMOs) are prebiotics that are shown to change the microbiota composition, although the clinical benefits of these changes are not yet clear. What clinical benefits are achievable for infants who receive formula with added probiotics or prebiotics? Looking closely at the trials, it's evident that probiotics and prebiotics are associated with a decrease in infections and antibiotic prescriptions, but researchers need to use these as primary endpoints in their trials to increase the strength of the evidence. In a recent European Society for Paediatric Gastroenterology Hepatology and Nutrition (ESPGHAN) recommendations paper, the probiotic recommendations were challenging because for each specific probiotic intervention the group had difficulty finding two clinical trials with a similar design, limiting their ability to make conclusions. Prof. Vandenplas says more trials need to be done independently to strengthen the evidence. Long-term outcomes from probiotic or prebiotic supplementation in infant formula are possible as well, but much larger longitudinal trials are necessary to establish these outcomes. Episode abbreviations and links: ESPGHAN recommendations paper: Recommendations on the health outcomes of infant formula supplemented with biotics by the European Society for Pediatric Gastroenterology, Hepatology, and Nutrition Special Interest Group on Gut Microbiota and Modifications Trial showing positive outcomes of an infant probiotic and prebiotic intervention in a region with high prevalence of infectious disease: A randomized synbiotic trial to prevent sepsis among infants in rural India About Prof. Yvan Vandenplas MD PhD: Yvan Vandenplas did his medical studies at the ”Vrije Universiteit Brussel” (Free University of Brussels) and trained in pediatrics (1981-1986) at the same University. He became Head of the Unit for Pediatric Gastroenterology and Nutrition in 1987 and created the Pediatric Hospital, the KidZ Health Castle, at the University Hospital Brussels (UZ Brussel) of the same university, where he had the Chair of Pediatrics since 1994 up to 2021. He is now Prof. Emeritus and consultant at the same hospital. He is associate editor of Nutrients.

Days after Chancellor Rachel Reeves delivered her second budget, we take a deep dive into what the announcements mean for you.  Rates of income tax from property income will increase by two percentage points from April 2027, a move which the Office for Budget Responsibility (OBR) has recognised will hit landlords in the pocket, force rents up and hit the supply of homes. Other measures that will affect landlords include a so-called 'mansion tax' – a council tax surcharge which will be introduced for properties valued at over £2 million and will be introduced in April 2028.  Our presenters Ben and Richard are joined by David Fell, lead analyst from Hamptons, Chris Norris, the NRLA's chief policy officer and Professor Christine Whitehead, Emeritus Professor of Housing Economics at the London School of Economics, to address all the key questions, from the likely impact of tax changes on the supply on homes, to the potential effects of the 'mansion tax' on larger HMOs. You can listen to the podcast via the NRLA website here, or tune in on your preferred streaming service.  If you enjoy the show, please spread the word on your social media channels using the hashtag #listenuplandlords.  For all podcast enquiries email press@nrla.org.uk   ACCREDITATION: You can now pick up a CPD point to be used towards NRLA accreditation by listening to the podcast. To log your point, visit the accreditation dashboard in the 'Your Account' section of the NRLA website. Select 'Other' then 'NRLA Podcast' from the dropdown menu.  To read a full transcript of the show click here.  More information  To read what our CEO Ben Beadle thinks about the changes announced click here. The NRLA's award-winning training academy runs a number of affordable finance and tax courses. For more information and to book click here.

In this episode, Neil breaks down the exact macro and micro data points The HMO Property Co tracks to help investors identify high-growth suburbs – even if you're not ready to invest in HMOs yet. From population growth to zoning changes, rental yields to vacancy rates, this is the ultimate blueprint for investors with $80k–$250k looking to double or triple their returns in 12–36 months. If you're trying to escape the rat race or build equity to leverage into higher-yield HMO deals, this episode is your research toolkit.

Mark Thomson, Planning Director at Savills, and Rosie Ashton, Design Manager at Verv-life, join Concilio's Siddo and Rochelle to discuss how co-living tackles the housing crisis and urban loneliness. In the latest episode of Concilio's Better Places podcast, Account Director Siddo Dwyer and Account Executive Rochelle Blakeman, sit down with Mark Thomson, Planning Director at Savills, and Rosie Ashton, Design Manager at Verv-life, to discuss the rise of co-living, what it is, who it's for, and whether it can help tackle two of London's biggest challenges: the housing crisis and urban loneliness. Key points discussed: ·      Co-living offers a professionally managed, community-focused alternative to HMOs, with private studios, all-inclusive bills, and flexible tenures.  ·      Thoughtful design and curated events help tackle urban loneliness, creating welcoming social spaces that genuinely encourage connection.  ·      New regulations have driven better-zoned, higher-quality studio layouts, while clustered amenities and strong local partnerships enhance resident experience.  ·      Co-living provides cost certainty and potential for discounted-market options for key workers, challenging misconceptions about quality and affordability.  ·      With clearer, more flexible policy, co-living could play a bigger role in London's housing mix and help ease pressure on traditional rental supply. For anyone interested in housing innovation, rental market reform, community-led placemaking, or how London can diversify supply in the face of mounting pressures, this episode offers insight into the new opportunities shaping the next generation of urban living.  Don't miss this conversation – listen now! 

Technology, Talent, And The Future Of Purpose Built Living with Bay Downing, Joint CEO of Downing and Co Founder of Aboria Capital. One of the UK's leading vertically integrated living platforms with 6000 plus operational beds across top university cities. This week, I sat down with Bay Downing to explore how a second generation family business is evolving into a tech enabled, institutionally backed platform shaping the future of student accommodation and urban living. With property in his DNA, Bay has spent the last eight years working across investment, development, operations and marketing, while helping co found Aboria Capital, Downing's investment management arm. Now Joint CEO alongside Sally O'Brien, he is focused on scaling a business built on legacy, discipline and innovation. We discuss how AI, automation and data intelligence are transforming operations, how global investors are reallocating into specialist living sectors, and why PBSA and co living continue to present some of the strongest structural tailwinds in UK real estate. Key Topics Covered In This Episode ✅ The Downing Journey How a family business grew from HMOs in Liverpool to one of the UK's largest integrated PBSA platforms with more than 6000 beds and 200 employees. ✅ Technology And Operational Excellence How AI driven enquiry management, outbound calling, workflow automation and predictive analytics are reshaping leasing speeds, customer experience and pricing accuracy. ✅ Institutionalising A Legacy Business Why Bay co founded Aboria Capital, how the partnership with Jessica Hardman emerged, and what investors are seeking from specialist managers today. ✅ Global Demand And Market Shifts Insights into international student flows, including a 250 percent surge from the US and Canada, and what that means for UK supply and returns. ✅ ESG, Energy And Responsibility Bay's role as Director of On Site Energy and how data led energy solutions are helping Downing reduce consumption, lower costs and improve sustainability outcomes for residents and partners. ✅ Leadership, Succession And Culture What Bay has learned working alongside Sally O'Brien, the importance of alignment across departments, and how Downing continues to evolve without losing its family ethos. And of course, I asked Bay the big question: Who are the People, what Property, and which Place would you invest in if you had £500 million to deploy? If you have thoughts or questions about this episode, drop them in the comments. I would love to hear your take. The People Property Place Podcast is powered by Rockbourne, recruiting leadership talent for real estate funds, owners, investors, and developers.

We sit down with Hardeep Toor to talk about his hybrid approach to mixed use property development.Hardeep has dedicated 10+ years as a Chartered Quantity Surveyor at Balada Group and overseen £20M+ successful projects. Alongside his development work, Hardeep founded AssetsWise, where he mentors investors who want to navigate commercial conversions and HMOs with confidence. Specialising in commercial to residential (C2R) and HMO conversions, his work has earned multiple accolades, including Mixed Use Development of the Year 2024 at the International Property Awards and Property Developer of the Year 2024 at the Property Investors Awards.In this episode, Hardeep shares:How he transitioned from quantity surveying to property developmentHis strategy for creating hybrid developments that hold valueWhat commercial valuations really look like in mixed use projectsThe current state of HMOs in the UK marketKey differences between commercial and HMO tenants_______________________________________This episode is proudly sponsored by AssetsWise. It's founder, Hardeep, has been involved in construction for more than a decade. He specializes in providing hands on, one to one guidance so you can derisk your projects. Hardeep designed his mentoring program to cut out all the fluff and get straight to the execution. So whether you're struggling with your first commercial to residential appraisal or looking to scale your portfolio with a hybrid strategy of HMOs and commercial conversions, AssetWise is there for you to provide everything that you need from advanced deal appraisals to construction advice to raising private finance planning and permitted development rights. Everything under one roof on a one to one basis.https://assetswise.co.uk/https://www.instagram.com/harv_propertyhttps://www.linkedin.com/in/htoor/

In today's episode, I'm sharing a real and honest breakdown of what's been happening inside my property and development businesses over the last few months. It's been a challenging period across the market - tight lending, uncertainty surrounding the Renters' Rights Act, contractor issues, slower rental demand, and some big, strategic decisions to make. Instead of giving you the polished version, I'm taking you behind the scenes and talking openly about what's working, what's not, and how I'm navigating it all.I'll walk you through the performance of my student HMO portfolio, the reality of refinancing a major development right now, why some of our projects have slowed, and how I'm approaching long-term planning for both my properties and my training business. I'll also share some personal reflections on balancing work, family life, and staying focused through a tough market.

The long-debated Renters' Rights Bill has finally become law in the UK, marking one of the most significant shake-ups in the private rental sector for decades. The new Renters Rights Act 2025, which received the Royal Assent on 27 October 2025, gives tenants stronger protections, abolishes Section 21 ‘no-fault' evictions, and introduces stricter rules on property standards and rent increases.  Local authorities will have new powers to demand documentary evidence of compliance and enter a landlords rented residential accommodation (without a warrant in some cases) within two months of the new Act say the NRLA.  Watch full video - https://youtu.be/L6j4EXV1_Cs Other new rules coming in because of the Act include:  Introduction of 15 new offences that can see landlords issued with civil penalties.  Increase in the maximum civil penalty fine that can be imposed of up to £40,000.  Six new offences that can result in landlords facing a rent repayment order.  Increase in the maximum claim period for such orders, with tenants now able to claim back up to two years of rent payments for breaches.  Key Implementation Dates: Investigatory rights for local authorities  From 27th December 2025  Part 1 – changes include, end of fixed terms and Section 21, new possession grounds From 1st May 2026 PRS Database and Ombudsman Late 2026 estimated Decent Homes Standard Date to be confirmed Here are 5 things landlords can do to survive the Renters Rights Act: Review Your Tenant Agreements – Ensure all tenancy contracts comply with the new legal framework. Outdated clauses could make you non-compliant and exposed to penalties. Focus on Quality Tenants – With longer tenancies likely, good tenant relationships are vital. Screen tenants carefully and maintain communication. Incorporate Your Property Business – Many landlords are now using limited companies for tax efficiency, expense flexibility, and better mortgage options. Diversify Your Portfolio – Consider shifting into HMOs, serviced accommodation, leasing to a company or local authority or commercial units for stronger returns and lower regulatory impact. Seek Professional Advice – For instance by joining the NRLA. Stay informed. Property tax planning and compliance advice can save thousands each year under the new regime. Is the buy-to-let rental property sector dead? Wounded by successive ‘landlord bashing' governments, but NOT dead! The Renters Rights Act may be challenging, but proactive, informed landlords can still prosper by adjusting early and managing smarter. Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they still need the estimated 2.8 million private buy-to-let property landlords.  See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s See also: Brace Yourself: 5 Tax Hikes Coming in the UK Budget 2025 These tax changes could reshape property investing, retirement planning, and asset strategies. If you're a landlord, investor, or homeowner, now is the time to review your capital gains exposure, inheritance planning, and use of ISAs before the 26 November Budget drops. Watch full video - https://youtu.be/jITL4nOmBEo If you are stuck in the Section 24 trap and need professional advice, email Charles@CharlesKelly.net #RentersRightsBill #RentersReformAct #UKLandlords #BuyToLet #PropertyInvesting #LandlordTips #PropertyTax #Section21 #UKHousingMarket #CharlesKellyPodcast #MoneyTips #rentersrightsact2025

Send us a textThe hosts are dissecting a lot in this week's episode - here's a breakdown of what they discussed:- PBSA vs HMOs is the gap going to get wider?- Are we losing the affordable end of the market?- Is the timing of the marketing to students going to shift?- Do we need to get more political as a shared living sector?- Is this the year of the rebooker?- Why is price setting such a fight?Stay up to date on Housed podcast via its LinkedIn page.Dan Smith is Founder of RESI Consultancy and Co-Founder of Verbaflo.AI Good Management.Sarah Canning and Deenie Lee are Directors and Co-Founders of The Property Marketing Strategists - Elevating Marketing in Property.Thank you to our season four sponsors:MyStudentHalls - Find your ideal student accommodation across the UK.Utopi - The smart building platform helping real estate owners protect the value of their assets.Washstation - Leading provider of laundry solutions for Communal and Campus living throughout the UK and Ireland.

Key Topics Covered:1. From Furlough to Property FreedomHow COVID and furlough ended Athena's high‑performing travel career overnight.Using that pause to ask, “Is this the life I want for the next 5–10 years?”Buying her first flat in Bournemouth, getting the numbers wrong, and why she still calls it her “baby” and best teacher.2. Rent‑to‑Rent, Burnout and Pivoting StrategyMoving into rent‑to‑rent HMOs and serviced accommodation to generate cashflow.The reality of late‑night calls, guest issues and stress – including the Sunday night window incident.Handing back all rent‑to‑rent properties and feeling as free returning the keys as when she first got them.Pivoting to simpler, long‑term strategies: buy‑to‑lets and buy–refurbish–refinance, with flips and land development as future options.3. Building Girls in Property: Community, Recurring Income and SupportWalking into a networking room of 45 people with only three women and thinking, “That's a shame.”Finding no UK‑based female property networks or podcasts, then launching Girls in Property in 2023.Growing from a passion project that made no money for over a year into:A sponsored weekly podcast.A £30/month online membership (two live calls a month: “prosperity” and property strategy).A national community hosted on Circle, plus summer/winter parties and an annual training event.How Girls in Property now replaces and exceeds her old salary as a recurring revenue stream.4. Education, Strategy Choice and Market Opportunities“Don't rush to buy a course”: only invest if you can implement from day one.Use free education first (podcasts, YouTube, books) and do due diligence on paid training.Choosing strategy based on four resources: knowledge, money, time, energy – plus personality and end goal.Example of a mentee who came for rent‑to‑rent but was better suited to partnering with an investor on flips.Why today's market, with older landlords exiting, offers opportunities if you talk to people and build relationships with agents.5. Health, Wealth and Your Own Version of SuccessAthena's view of financial freedom as choice – the ability to respond to life, travel and allocate time where it matters.Burning out twice and realising “health is wealth” – long‑term wealth is pointless if you destroy yourself getting there.Her guiding question: “What does your version of success look like – and who's standing next to you on that hill?”Current focus: simplifying businesses, building cashflow and wealth, and aiming to be retired by 50 with businesses that don't rely on her daily presence.Actionable Takeaways:Assess your knowledge, money, time and energy before choosing a strategy.Use free education first; only buy courses you're ready to implement immediately.Document your journey from day one to build trust with future investors and partners.Avoid shiny penny syndrome – simplify down to strategies that fit you and your goals.Protect your health and pace yourself; wealth building is a long‑term game.Resources & Next Steps:Girls in Property Community & MembershipGirls in Property PodcastWealthBuilders Membership: Free access to guides, webinars, and communityConnect with Us:Listen on Spotify, Apple Podcasts, YouTube, and all major platforms.Next Steps On Your WealthBuilding Journey:  Join the WealthBuilders Facebook CommunitySchedule a 1:1 call with one of our teamBecome a member of WealthBuildersIf you have been enjoying listening to WealthTalk - Please Leave Us A Review!

In today's episode, I sit down with Hayley Andrews, the award-winning investor, “dragon” on Sky TV's Property Elevator, and the force behind Hard Hats to Heels and the Women in Property Awards, to unpack how she's built a diverse, multi-strategy portfolio over two decades, from vanilla buy-to-lets and HMOs through to hotels, listed buildings and complex commercial schemes.Hayley shares the real story behind her growth: starting out on a council estate, using property as a pension, then scaling into bigger and more complex projects by buying well, managing risk ruthlessly and building serious relationships with councils, heritage bodies and regeneration boards. We dig into her transformation of a derelict museum into “Fun City”, a new entertainment quarter that's now set to roll out across market towns in the UK.If you're serious about playing the long game in property - building wealth, not just collecting units and you want a candid look at what it really takes to operate at the top level, this is an episode you don't want to miss.

In this episode, Nick and Steven sit down with Scott McFarlane, property investor, serviced accommodation specialist, and founder of Retrofit Properties. Scott opens up about his journey from a difficult childhood to military service, railway engineering, a life-changing accident, and eventually scaling a thriving SA management company and a growing property portfolio.

Send us a textMost rent-to-rent failures start before the contract is signed—by chasing the wrong type of property with the wrong plan. We pull back the curtain on how to find cash flow quickly without sinking money into someone else's asset, and why converting buy-to-lets into HMOs is a fast road to delays, compliance headaches, and long paybacks. Instead, we map out a smarter path: target ready, licensed HMOs and pre-existing serviced accommodation units where your operational edge—not a heavy refurb—creates the margin.We dig into the practical rules that protect your downside: a six-month maximum payback target, strict quality filters, and area due diligence that matches tenant or guest profiles to the streets you're actually renting. You'll hear a candid case study of a great house in the wrong area, how we repositioned it by marketing to local factory teams, why a break clause saved the upside, and what made us exit on friendly terms. We get specific about SA: when furniture spend makes sense, how to inherit setups from burned-out owners, and the exact levers—listings, photos, pricing, and ads—that turn underperforming calendars into steady bookings.If you've been told to “add value” with refurb, we'll show you a better lever: time-to-cash. Modern HMOs demand higher standards; dated four-bed layouts with repurposed lounges won't cut it. With a few clear underwriting rules, a consistent follow-up pipeline, and the right stock, rent-to-rent becomes a lean, resilient cash-flow engine. Subscribe for more step-by-step strategies on HMOs, serviced accommodation, and winning deals without gambling your upfront capital. If this helped, share it with a friend and leave a quick review to tell us your biggest rent-to-rent hurdle.VALUABLE RESOURCES: Let me help you build your property business, Check out how I can support your investing now. Visit https://www.thepropertyunleashed.com/home My Property Investing Community called Property Education To Action, This is the best place to achieve your property goals and build the life you desire. https://educationtoaction.com You can learn and take action on your property goals for just £1 Visit www.educationtoaction.com to explore free Property Ebooks and guides in Rent-to-Rent, Serviced Accommodation, Deal Sourcing, PLOs and more and also our FREE training masterclasses to help you generating a sustainable income through property. https://www.facebook.com/groups/816926952556608 to meet like-minded property investors and be a part of the community. CONNECT WITH ME: Facebook: https://www.facebook.com/mark.fitzgerald.7921Instagram: https://www.instagram.com/markfitzgeraldentrepreneur/Linkedin: https://www.linkedin.com/in/mark-fitzge...

#243Our WhatsApp  groupProperty Engine discounts (Code: EXPAT)Starter: 30 day trialPro: 30 day trial/3 mths 1/2 price, Ultimate: 1/2 price 3 monthsGoalsettingLeave a review37 Question Due Diligence Checklist / Auction GuideOur Sponsors: Finnigan McNeill Property GroupThis episode is much more than a tale of two HMOs next door to each other just a few of minutes walk away from a large hospital in Wakefield.It features experienced UK property investor Tom Appleton of Cali Living / Ten EquityNo. 48 is a high end 12 - bed HMO targeting doctors at the hospital.It's been up and running with practically no voids since early 2023.So when the chance to buy No. 50 came up, Tom didn't think twice.He's now considering leasing his latest purchase to a provider of accommodation to newly arrived nurses from the Philippines.But there is so much more to the episode than that.We discuss:·       The value of Certificates of Lawful Use for HMOs and the detective work required to gather evidence for them, including statutory declarations and historical documentation.·       Transforming problematic properties through relationship-building with previous agents, local councils, and key stakeholders.·       The benefits and challenges of investing in high-end HMOs near major employers, like hospitals, and attracting professional tenants such as doctors and nurses.·       Strategies for managing tenant churn, maintaining occupancy, and ensuring steady cash flow in large HMOs.·       Exploring alternative strategies for property portfolio management: long-term leases to providers for supported living and service accommodation.·       Role of local councils in connecting investors with accommodation providers.·       Due diligence when leasing to providers: tips on vetting reliability, experience, maintenance & tenant profiles.·       Portfolio long-term planning, including keeping properties maintained and knowing when to pivot from professional HMOs to accommodation for social or supported housing.·       The importance of people and networking in property investing—from building trust with agents to nurturing council contacts, and why “who you know” is as vital as “what you know”.KeywordsUK property investment podcast, Expat property investing UK, HMOs in UK property, Certificates of lawful use property UK, UK property portfolio building, Statutory declaration property evidence UK, Remote property investing UK, Social housing providers UK property, Supported living property investment UK, High end HMO case study UK, Council relationships UK property, Wakefield property investment, Leeds property investing tips, Long term property strategy UK, Passive income property UK, Commercial lease property UK, Due diligence property providers UK, Article 4 property area UK, Doctors and nurses HMO tenants UK, UK property renovation tips, Social housing lease agreements UK, Podcast for expat property investors, Building rapport in UK property, UK property law and planning, Certificate of lawfulness application UK

Key Topics Covered:1. Mike's Journey: From Corporate to Property FreedomWhy Mike left a successful retail career for more control and family time.How a nudge from Kevin Whelan led to financial independence through HMOs.Building a business and legacy with his wife Claire and daughter Katie.2. Why Property Still MattersProperty as a long-term investment: realistic 8–10% cash returns plus asset growth.HMOs outperform single buy-to-lets for cashflow and resilience in changing markets.The maturing HMO market: easier entry with ready-made properties and new marketplaces.3. Taking the Leap: Advice for Aspiring HMO InvestorsDefine your financial and lifestyle goals before choosing the HMO route.Research HMO models (young professionals, students, etc.) and build your local power team.Action is key—most successful investors wish they'd started sooner.4. Building HMO X: An Ecosystem for HMO SuccessHMO X supports investors at every stage: learning, buying, operating, scaling, and exiting.Bronze and Silver subscriptions tailored to experience levels with access to expert support, estate agency, and the UK's first HMO auction house.Community, mentoring, compliance guidance, and a world-class power team.5. Compliance, Regulation, and Business MindsetNavigating new regulations like the Renters' Rights Act and staying systemised.Why running property as a business maximises profits and protects tenants.Leveraging your professional background for property success.6. Wealth Building, Legacy & DiversificationUsing a SSAS pension to diversify and strengthen family wealth.The importance of holistic planning: recurring income, multiple pillars, and protection (wills, powers of attorney, insurance).Knowledge transfer—teaching the next generation to build and protect wealth.7. Overcoming Barriers & The Power of CommunityThe value of support networks, mentorship, and learning from those who've “been there.”Why community and accountability increase your odds of success.Real-life case studies and five-star reviews as social proof.8. Practical Tips & Offers for ListenersHMO X offers a 10% discount on annual subscriptions for WealthBuilders members.Free initial chat for anyone exploring HMOs as a new pillar, mention you're a WealthBuilder.Leverage frameworks, community, and expert support to accelerate your journey. Actionable Takeaways:Think Long-Term: Property success comes from time in the market, not timing the market.Be Patient: Real wealth builds over 10, 15, even 20 years of holding strong assets.Aim for Steady Returns: Expect around 8–10% cash return on day one, with capital growth compounding over time.Hold for Growth: Retaining your property allows its value to appreciate significantly.Avoid Shortcuts: This isn't a quick-win strategy—discipline and strategy drive lasting success.Stay Strategic: Plan your portfolio carefully and review it regularly to stay aligned with your goals. Resources & Next Steps:HMO X - HMO Expertise all in one placePlatinum Property Partners - Build your own successful and profitable property businessWealthBuilders Membership: Free access to guides, webinars, and communityConnect with Us:Listen on Spotify, Apple Podcasts, YouTube, and all major platforms.Next Steps On Your WealthBuilding Journey:  Join the WealthBuilders Facebook CommunitySchedule a 1:1 call with one of our teamBecome a member of WealthBuildersIf you have been enjoying listening to WealthTalk - Please Leave Us A Review!

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership——————————————————————In this episode of This Property Life, host Sarah Blaney looks into the world of Houses in Multiple Occupation (HMOs) with seasoned investor Henry Davis. With over 30 years of experience, Henry shares the practical lessons he's learned from building and managing both small and large-scale HMOs. What You'll Learn:Why soundproofing and room design are critical for tenant retention in HMOsHow to future-proof your properties to stay compliant with changing regulationsThe financial and legal advantages of going back to brick when developing HMOsSmart sourcing and furnishing strategies that balance quality with costHow to choose properties that are more likely to gain planning permission, even in Article 4 areasTimestamps[03:45] - Why Henry chose HMOs for better cash flow[05:13] - Design pitfalls and why most HMOs fail at tenant retention[11:26] - Choosing your tenant avatar: professionals vs. students[20:33] - Furniture, fittings, and clever layout tips for durability[26:16] - How to create inviting, robust communal areas[36:32] - Scaling up: large HMOs, planning permission, and property selection[38:16] - Data-driven investing and mastering local planning policy[42:51] - Budgeting, working with QSs, and paying builders wisely[55:03] - Final advice, practical tips, and where to find Henry's resourcesThis Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Henry Davis Socials:LinkedIn: https://www.linkedin.com/in/henrydavisproperty/Website: https://henrydavisproperty.com/Instagram: https://www.instagram.com/henrydavisproperty/Facebook: https://www.facebook.com/HenryDavisPropertyFollow This Property Life Podcast on Socials:Website:https://thispropertylife.co.uk/ Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ YouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Hosted on Acast. See acast.com/privacy for more information.

Perth's market is still running hot — ultra‑low vacancies, record‑fast sales, and construction that can't keep up. In this solo update, Neil breaks down the national and WA picture, explains why the old "buy and wait" playbook stalls your borrowing capacity, and lays out a cashflow‑first strategy with infill new builds and HMOs. If you're priced out of established stock or stuck at the bank's DTI ceiling, this episode shows a smarter path that matches today's renter demand. As discussed in the episode: Australia's population ended 2024 at ~27.4M (+445k, ~1.7%). National vacancy ~0.8%; Perth/Adelaide pockets near 0.4%. Projected national housing shortfall ~400k by 2029. WA population +70k in 2024; Perth listings down ~42% YoY. ~900 weekly sales; ~2,869 listings (≈33% of stock turns weekly). 2024 completions ~20k; 24/25 ~22.6k vs 26–30k needed. Big idea: build what tenants actually rent (singles/couples = 70–80% of market). Cashflow pays the bills; growth is the bonus. Shout‑out: Massive thanks to Neil's wife for guest‑hosting while he was travelling and… winning boxing matches.  

In search of the next miracle “cure,” Big Pharma has become very proficient at developing highly effective and obscenely profitable drugs aimed at treating rare diseases (think $750,000 per year) at the expense of ignoring newer, safer and effective treatments geared to a wider audience.Alex Martinez, CEO and cofounder of Intrinsic Medicine, shares his amazing journey from being a healthcare attorney who witnessed the good, bad and mostly ugly in Big Pharma to revolutionizing how we care for the human microbiome this week on Spirit Gym. Learn more about Alex's Intrinsic Medicine company at his website. Find him on social media via LinkedIn.Show Notes8:47 “The mission was attractive to me.”12:27 Alex got the education he needed while ground-truthing at the same time.20:50 Why is Big Pharma's disproportionate focus on drugs that treat rare diseases?30:16 Evolutionary biology.39:07 Alex is a very intelligent vegetable.44:42 Human milk oligosaccharides (HMOs) formulated with information molecules.51:53 The fecal transplant isn't new science.1:06:46 Freediving helped Alex look inward toward the microbiome.1:13:26 “What's inside of us is all around us.”1:25:05 The HMOs in breast milk serve as training mechanisms in a baby's gut.1:36:05 Is it possible that HMOs could work one day like fecal transplants?1:44:47 Where do these HMOs originate?1:50:33 Formulating infant formulas that aren't inflammatory should be the norm but aren't.2:07:29 Creating an ethical regenerative business by integrating humanity into it.2:12:49 Humans are so good at finding comfort in dis-ease.2:25:34 Where probiotics went wrong.Resources BifidobacteriumFructooligosaccharides (FOS)Paul's Living 4D conversation with Dr. Nathan RileyThe Abdominal and Pelvic Brain by Byron RobinsonFind more resources for this episode on our website.Music Credit: Meet Your Heroes (444Hz), Composed, mixed, mastered and produced by Michael RB Schwartz of Brave Bear MusicThanks to our awesome sponsors:PaleovalleyBIOptimizers US and BIOptimizers UK PAUL15Organifi CHEK20Wild PasturesKorrect SPIRITGYMPique LifeCHEK Institute We may earn commissions from qualifying purchases using affiliate links.

Human milk oligosaccharides (HMOs) are complex sugars that pass undigested to your baby's colon, where they feed beneficial bacteria, strengthen defenses, and support healthy brain and immune development A systematic review and meta-analysis in Frontiers in Pediatrics found that breast milk continues supplying substantial amounts of HMOs beyond 12 months, supporting gut health and brain development into toddlerhood Certain HMOs, such as 3-fucosyllactose, even increase over time. This shows that the balance of individual sugars shifts across lactation and continues shaping your child's development after infancy Breast milk also contains myo-inositol, a sugar shown to boost synapse formation and neuronal connectivity, highlighting how breast milk delivers brain-supportive compounds beyond traditional nutrients To keep your breast milk as nourishing as possible for your baby, prioritize whole foods, minimize unnecessary medications, and reduce toxin exposure. If breastfeeding isn't possible, screened donor milk is the next best option

This month we invite Mark and Martin Pow of Property Pow Brothers who have just completed the Property Entrepreneur Program, and have just joined the Advanced program as well as the Mastermind group. They had the honour of being voted by their peers for The Deal of The Year and we will go behind the scenes on that deal.   Mark and Martin are both family men and based in the South West. They started investing about 15 years ago and now specialise in Commercial Conversions, Title Splits and large HMOs.    The office conversion was a large property, 965m2 and they agreed a purchase option subject to planning, which they obtained for 10 flats, 8 x 3 beds and 2 x 1 beds. Property investing is not without its challenges and we discuss how their Joint Venture and funding partners withdrew just before completion and how they managed to raise £400,000 in 24 hours as well as how they found their lease provider.    Here are the numbers:   10 bed HMO in the South West Purchase Price: £620,000 (asking price £1m) Total including purchase, conversion and finance: £1,767,000 Gross Development Value (GDV): £2,800,000 Equity: £100,000 Cashflow: £138,842 pa Return on Capital Employed: 73% on £190,000 Success and failure are both very predictable.   I hope you enjoy. Want to contact Mark or his guests?   www.thepropertybrokerage.co.uk mark@thepropertybrokerage.co.uk Mark & Martin Pow info@powproperty.co.uk http://www.powproperty.co.uk   07816407114   https://www.instagram.com/propertypowbrothers/ Want to learn more?  

We are in day 22 of the government shutdown, as Democrats are not showing any signs of coming to the table to negotiate something reasonable. There has been nothing affordable about the affordable care act and was pushed through by Democrats during the Obama era. The expiring subsidies that Democrats are fighting for were also created and voted on by Democrats. Obamacare wreaked havoc on the healthcare marketplace and literally destroyed affordable health plans like HMOs. Next year, insurers expect an 18% percent increase in healthcare premiums because they expect healthy people to ditch their ridiculous "healthcare" plans. Congressman Ben Cline is here to talk about the stalemate and how we might get the government back up and running. Featuring: Rep. Ben Cline U.S. Congressman | Virginia, District 6 https://cline.house.gov/ Today's show is sponsored by: Keksi Cookies Keksi is a gourmet cookie company known for making cookies so good, people actually talk about them. Keksi cookies are both grandma approved and social media worthy. These cookies are so good you will want to post about them and tell all your friends. For Halloween, Keksi is releasing cookies like The Mummy, a rich chocolate cookie stuffed with Nutella and packed with white chocolate chips, then wrapped in frosting bandages and given chocolate chip eyes. It's spooky, it's sweet, and honestly—it's way too delicious to survive the night. So this Halloween, forget the tricks, this is the only treat you need. Head to ⁠https://www.keksi.com/⁠ use code: SEAN15 at checkout for 15% OFF! Delta Rescue Delta Rescue is one the largest no-kill animal sanctuaries. Leo Grillo is on a mission to help all abandoned, malnourished, hurt or suffering animals. He relies solely on contributions from people like you and me. If you want to help Leo to continue his mission of running one of the best care-for-life animal sanctuaries in the country please visit Delta Rescue at: https://deltarescue.org/ ------------------------------------------------------------- 1️⃣ Subscribe and ring the bell for new videos: https://youtube.com/seanmspicer?sub_confirmation=1 2️⃣ Become a part of The Sean Spicer Show community: https://www.seanspicer.com/ 3️⃣ Listen to the full audio show on all platforms: Apple Podcasts: https://podcasts.apple.com/us/podcast/the-sean-spicer-show/id1701280578 Spotify: https://open.spotify.com/show/32od2cKHBAjhMBd9XntcUd iHeart: https://www.iheart.com/podcast/269-the-sean-spicer-show-120471641/ 4️⃣ Stay in touch with Sean on social media: Facebook: https://facebook.com/seanmspicer Twitter: https://twitter.com/seanspicer Instagram: https://instagram.com/seanmspicer/ 5️⃣ Follow The Sean Spicer Show on social media: Facebook: https://facebook.com/seanspicershow Twitter: https://twitter.com/seanspicershow Instagram: https://instagram.com/seanspicershow Learn more about your ad choices. Visit megaphone.fm/adchoices

PPO, HMO, HSA, FSA… WTF? Understanding Employee Benefits with HR Pro Veronica Barnas | E075Open enrollment season is here — but don't just click “same as last year.” This week on The Extreme Personal Finance Show, Chris sits down with HR powerhouse Veronica Barnas, a 20-year Human Resources veteran specializing in employee benefits.They break down the alphabet soup of benefits — PPOs, HSAs, FSAs, and HMOs — in plain English and with a few laughs. Veronica explains how to stop leaving free money on the table, how to actually build wealth through your benefits, and why your 401(k), HSA, and disability coverage might be more powerful than you think.From the triple-tax advantage of an HSA to secret perks like tuition reimbursement, employee stock programs, and even pet insurance, this episode helps you take control of your financial health the same way you take care of your physical one.In This Episode You'll Learn:• Why “same as last year” could cost you thousands• The real difference between a PPO, HMO, and high-deductible health plan• How to use your HSA as a stealth retirement account• Why disability insurance is one of the most underrated safety nets• How to spot free money in your benefits package• Overlooked perks like tuition reimbursement, stock purchase programs, and gym reimbursements• How to make open enrollment season work for your wallet, not against itWhether you're new to the workforce or a seasoned pro, this episode will help you understand your benefits like a boss and maximize every dollar your employer offers.Contact Chris:https://heavymetal.moneyhttps://www.facebook.com/MoneyHeavyMetalhttps://x.com/MoneyHeavyMetalhttps://www.instagram.com/chrislugerhttps://www.tiktok.com/@heavymetalmoneyemail: chris at heavymetal.moneyConnect with Veronicahttps://www.linkedin.com/in/veronica-barnas-28ba7723/

    On this episode of The Ty Brady Way, Ty breaks down the current state of the health insurance industry and why so many agents and consumers are feeling the turbulence. From the Inflation Reduction Act's changes to Medicare drug plans and the rising cost of care, the ripple effects are hitting carriers, doctors, and members alike. Ty speaks about why PPOs are leaving markets, the differences between HMOs, PPOs, and Medicare Supplements, and why commission cuts are happening. Ty also shares insights on common pain points like dental coverage, prescription drug costs, and how to help members navigate plan changes without unnecessary frustration. While the headlines may sound grim, this episode reminds us that change is constant — and with change comes opportunity. By focusing on education, resetting strategies, and putting members first, agents can not only adapt but thrive in this new landscape.     As always, we would like to hear from you! Email us at thetybradyway@gmail.com Or DM us on Instagram @thetybradyway https://www.instagram.com/thetybradyway/

In this edition of Buck Don't Give a ____, Marc Cox and Dan Buck dive into RFK Jr.'s challenge to Big Pharma and the medical establishment. They reveal how pediatricians may receive $200–$600 per fully vaccinated patient from HMOs, potentially earning up to $1 million a year. The hosts question the growing 72-shot vaccine schedule, the lack of studies on cumulative effects, and the ethical concerns around financial incentives driving medical recommendations. They also discuss the pressure parents face when questioning vaccine protocols and the need for transparency in healthcare.

In this episode of the Scottish Property Podcast, Nick and Steven sit down with Elaine McLaren, chartered management accountant turned property investor. Elaine shares her journey from growing up in Scotstoun with early exposure to renovations, to leaving behind the corporate mould and building a portfolio designed to give her family more freedom and flexibility.From watching Homes Under the Hammer to investing £15,000 in property training, Elaine reveals the importance of vision boards, long-term planning, and staying focused on why you started. She also opens up about her successes, lessons learned, and her evolving strategy — from building buy-to-lets to flipping properties and taking on HMOs.

Guest Sam Olsen.  Signa PPO dental plans vs HMOs.  Teens & Diabetes.  Health & Human Services recinds undocumented immigrants access to healthcare.  Medicare Plan D - deductibles rising.  Skin substitutes.

An off-grid grandad says he won't be forced out of his creekside home despite being “more or less” fenced in.Bob Thwaites has lived off the bank of the Swanscombe Peninsula without any problems since 1991 but the new landowner have now put up a 6ft to keep people out. Also in today's podcast, there are fears the government's decision to approve a second runway at Gatwick Airport could lead to more noise pollution for Kent residents.£2.2 billion of private money is going to be spend on the expansion - which will allow for another 100-thousand flights a year.An MP is calling for a crackdown on excessive numbers of houses of multiple occupancy in Gillingham. Naushabah Khan says too many HMOs are being permitted in Gillingham and warns the current system could damage community cohesion and change the character of neighbourhoods forever.More than 130 people will carry the Baton of Hope at it travels through Kent today.The tour aims to change the narrative around suicide and started in Medway earlier - we've spoken to some of the people taking part. And in football we've got plenty of reaction from what was a record breaking weekend for Gillingham. Their in over Notts County has seen their unbeaten run in League Two to 21 games.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of the Scottish Property Podcast, Nick and Steven sit down with Phillip Stewart, a property investor and professional property photographer. Phillip shares his journey from a passion for landscape photography to building a successful property media business – and how he's now using that platform to grow his property portfolio.Phillip talks about working with estate agents, developers, and investors, and explains why professional photography can make or break a property listing. He also opens up about the challenges of starting his own business during COVID, the importance of branding, and how photography has given him a unique advantage when sourcing and investing in property.

Happy Tuesday! It's time for Rob & Rob to answer two more great questions from our listeners!  (0:49) Toff's a high-rate taxpayer with a well-performing buy-to-let in his personal name. He's now looking to buy his own home but faces higher stamp duty that'll add at least £10,000 to the cost. Weighing up whether to sell the rental and lose a good investment, move it into a limited company, or just accept the extra bill – he asks Rob & Rob if there's a smarter move he's missing.  (3:42) Jane's living in Hong Kong and preparing to return to the UK after 15 years as an expat. With £300k to invest, she wants to build a portfolio that provides enough income to work part-time. Her current student HMO has worked well and she's wondering if she should use the pot to buy four more student houses for cash flow.  Enjoy the show?  Leave us a review on Apple Podcasts - it really helps others find us!  Sign up for our free weekly newsletter, Property Pulse  Send us your question here – just hit record!.  Find out more about Property Hub Invest 

In this episode of It Takes Balls, Monica Bryant, Esq., Chief Mission Officer of Triage Cancer, unpacks the legal and financial rights that every patient, survivor, and caregiver needs to know.Drawing on her expertise as a lawyer and nationally recognized speaker, Monica breaks down how critical protections like the Americans with Disabilities Act (ADA) and the Family and Medical Leave Act (FMLA) work in real life for cancer patients. She explains the nuances of job protection, paid and unpaid leave, and disclosure in the workplace—topics many survivors struggle to navigate while undergoing treatment or returning to work.The conversation also dives into the complexities of health insurance. From understanding the differences between HMOs and PPOs to spotting common medical billing errors, Monica provides clear guidance to help patients avoid financial traps during treatment. She also sheds light on disability insurance and financial assistance programs that can ease the crushing costs of cancer care.Monica doesn't stop at the immediate challenges - she stresses the importance of planning for the future through estate planning, powers of attorney, and advance directives, tools that can provide peace of mind for patients and their families. With a focus on empowerment, she encourages survivors to see themselves not just as patients but as advocates who deserve to understand and exercise their rights.This episode is packed with practical information. Monica Bryant's message is clear: the non-medical side of cancer is just as important as the medical one, and knowing your rights is the first step in taking back control.Have a question for a future expert guest? Submit here:https://www.testicularcancerawarenessfoundation.org/it-takes-balls-question-submissionWant to be a guest? Apply here: https://www.testicularcancerawarenessfoundation.org/it-takes-balls-submissionsFollow Testicular Cancer Awareness Foundation:https://www.testescancer.orghttps://www.x.com/testescancer⁠⁠https://www.instagram.com/testescancerhttps://www.facebook.com/tca.orgLearn more about Triage Cancer:https://triagecancer.orgFollow Steven Crocker: https://www.twitter.com/stevencrockerhttps://www.instagram.com/stevencrockerhttps://www.facebook.com/steven.crocker2Theme song: No Time Like Now - Tom Willner www.tomwillner.com

Starmer & Yvette Cooper: On Side of Illegals or People of Epping?  #Epping #Starmer #YvetteCooper #MigrantCrisis #UKPolitics #JonGaunt #Farage  The Bell Hotel injunction case in Epping shows exactly where Westminster's loyalties lie. Are Starmer and Yvette Cooper on the side of illegal migrants — or the people of Epping?  It is the political establishment's caution, inaction and incompetence that has landed us in this position. But why should the people of Epping be put in danger? The British public do not want migrants housed in hotels or HMOs. They want secure camps and immediate deportations. Other countries like Greece, Denmark and Germany are showing the way — so why is Britain still a soft touch? Join Jon Gaunt live as we expose how Labour and the government are failing communities, and why this battle in Epping matters for the whole country.  #BellHotel #Epping #Starmer #YvetteCooper #MigrantCrisis #UKPolitics #ReformUK #Farage #ImmigrationUK #StopTheBoats #DeportNow #SoftTouchBritain #SecureBorders #MigrantProtests #UKRiots #ChaosInBritain #BritishPeopleFirst #HotelMigrants #IllegalImmigrationUK #CommunityVoices #LabourImmigrationPolicy #GovernmentInaction #ProtectOurTowns #AsylumSeekersUK #UKBorderControl  BellHotel, Epping, Starmer, YvetteCooper, MigrantCrisis, UKPolitics, ReformUK, Farage, ImmigrationUK, StopTheBoats, DeportNow, SoftTouchBritain, SecureBorders, MigrantProtests, UKRiots, ChaosInBritain, BritishPeopleFirst, HotelMigrants, IllegalImmigrationUK, CommunityVoices, LabourImmigrationPolicy, GovernmentInaction, ProtectOurTowns, AsylumSeekersUK, UKBorderControl  This video is a politics blog and social commentary by award winning talk radio star, Jon Gaunt  

This week on Ask Rob & Rob, we've got two great listener questions – including one on a topic we've never covered before… (0:51) David already has two HMOs under his belt and now has his eye on a 6-bed property for his third. He's got around £100,000 to put towards it, but he needs another £50,000. So he's wondering… how can he get the extra funds? (6:45) Tom's just bought two leasehold flats that were repossessed from the previous owner – who also happened to be the freeholder. Now he's looking to buy the freehold, but it seems like a complicated process, so he's hoping Rob & Rob can shed some light.  Enjoy the show?  Leave us a review on Apple Podcasts - it really helps others find us!  Sign up for our free weekly newsletter, Property Pulse  Send us your question here – just hit record!.  Find out more about Property Hub Invest 

It's time for the latest edition of Ask Rob & Rob, so let's dive right in!    (0:50) Dan has previously invested in stocks and shares and is now moving into property to take advantage of leverage. As a high earner, it's more tax efficient for him to invest through a limited company, but he wants to know whether the ‘ultimate property strategy' still works in that setup. Since refinancing doesn't provide the same income benefits in a company structure, he asks if there's an alternative way to achieve a similar outcome.  (3:37) Maggie's due to complete on her second flat using the BRR strategy, with plans to move into flips and eventually HMOs. While she thrives on sourcing deals and managing refurbs, she struggles with the admin side. She asks Rob & Rob how they handle the business side of property and how much of this should be handed over to an accountant. Leave us a review on Apple Podcasts - it really helps others find us!  Sign up for our free weekly newsletter, Property Pulse  Send us your question here – just hit record!.  Find out more about Property Hub Invest 

From rundown flats to a multimillion-dollar portfolio—this is what grit looks like!

In this inspiring episode, Vinney Chopra sits down with Badri Hebsur, a UK-based entrepreneur and real estate investor who built a multimillion-dollar property portfolio from scratch. Starting with rundown flats while working a full-time job, Badri steadily scaled his wealth through value-add real estate strategies. Today, he manages over £7 million in assets and has successfully expanded into the senior living sector, transforming a 33-bed nursing home into a thriving business.   Listeners will discover:

Nuneaton 12 Year Old Girl Raped — Police Hid Afghan Asylum Suspects id.  #JonGaunt #NuneatonRape #AfghanAsylumSeekers #PoliceSecrecy #StateOfEmergency #UKPolitics  A 12 year old girl has been raped in Nuneaton. Two Afghan asylum seekers have been arrested and charged.  Warwickshire Police reportedly told councillors and officials not to reveal the suspects' ethnicity for fear of riots.  In this show, Jon Gaunt exposes the facts of the case, the secrecy, and the wider failures in policing and immigration policy.  The reality: • Victims must come first — no two tier policing or justice • If revealing ethnicity sparks unrest, police it properly — don't hide facts • Moving asylum seekers from hotels to Houses in Multiple Occupation (HMOs) is a dangerous con trick  • All new arrivals should be held in secure camps until asylum cases are decided • Declare a state of emergency until the backlog is cleared  Join Jon Gaunt  as he demands action, truth, and urgent reform.  #JonGaunt #AfghanAsylumSeekers #Nuneaton #RapeCase #PoliceSecrecy #VictimsFirst #StateOfEmergency #SecureCamps #ScrapHMOs #UKImmigration #WarwickshirePolice #TwoTierPolicing  Jon Gaunt, Afghan asylum seekers, Nuneaton rape, state of emergency, police secrecy, victims first, secure camps, scrap HMOs, UK immigration, Warwickshire Police, two-tier policing, LIVE, Migrant hotels  This video is a politics blog and social commentary by award winning talk radio star, Jon Gaunt  

Adam was almost a decade into his surgical training, a few years away from becoming a consultant, and working towards his PHD, when one day he looked up and realised this wasn't what he wanted to do for the next 40 years of his life. He walked away from it all, into a job that he not only found more fulfilling, but that also gave him some free time back to pursue other interests. Fast forward two years (or 22 months to be precise) since he joined our Inside HMO Investing programme, and he's working on his 4th HMO... on track to acquire 10 within 5 years, and to generate a £20,000 monthly income as a result. In this episode we dig into how he built momentum so fast, and why focus and execution matter more than unicorn deals.  ********************Welcome to the Inside Property Investing Podcast with Mike Stenhouse. You're in the right place if you're looking for practical advise and inspiring stories to help you build a thriving property investment business and create more freedom in your own life. Free up 10+ hours in your property business >>Start your application for the IPI Mastermind >>See what we've got going on right now to help you succeed - https://go.insidepropertyinvesting.com/podcast-links Get more advice and inspiration on your favourite platforms:Instagram: @InsidePropertyInvestingYoutube: Inside Property InvestingFacebook: Inside Property InvestingNewsletter: InsidePropertyInvesting.com

Client story Retired from Kern Co.  HMOs vs PPOs.  Tehachapi Couple retiring.  Medicare Supplement C and why not recommended.  Inflation Reduction Act and difficulty finding medications.  

Salvation through Jesus.  Contact Paul 3 months before turning 65.  MEDPAC - Medicare Payment Advisory Commision.  Breakdown of Medicare Advantage Plans.  Not efficient.  HMOs.  Role of Lobbyists.