More Than Just Property (Allan Harding)

Experienced and highly regarded senior executive, property investor and board advisor Jeannette Linfoot has over 27 years' global professional experience across travel, leisure, hospitality and property sectors. Jeannette joins Allan Harding this week on More Than Just Property to talk about going from the boardroom tables of ‘big' international business to the dining room tables of entrepreneurial start ups, her life in property, and how to overcome challenges, embrace opportunities and take risks.

KEY TAKEAWAYS

• Property developing since 2014, Jeannette & her partner Chris Busuttil have built an ever expanding portfolio of properties with Busfoot Property in London and Cambridgeshire, now turning their focus to Jeannette's home city of Manchester. 
• Busfoot Property is all about providing good solid homes for everyday folk so they can enjoy where they live and feel part of the local community. Each house acquired is treated with care and consideration where living spaces are designed with comfort and practicality in mind.
• Jeannette also talks to incredible people on her podcast about their experiences of being Brave, Bold & Brilliant, which have allowed them to unleash their full potential in business, their careers and life in general.
• The best piece of advice Jeannette ever received was to believe in yourself. That's something we all have to work on no matter what stage of success we're at. 
• Jeannette fell into the trap that a lot of women in business do where she tried to act like one of the guys just to fit in. But that's not true to herself and ultimately doesn't lead to success. She moved past trying to fit in and showed her worth through her work. 
• When you realise that anything is possible and you want to be the best, the best not in terms of money but the best that you can be, then that's the most empowered you can be. 

BEST MOMENTS

‘I always wanted to make my mum and dad proud and I had a dogged determination' 

‘Hearing Chris say believe in yourself helped me so much'

‘The first hour of the day, that's just for me'

EPISODE RESOURCES

https://www.jeannettelinfootassociates.com/

ABOUT THE GUEST

Jeannette is an experienced and very highly regarded senior executive, property investor and board advisor with over 27 years' global professional experience across travel, leisure, hospitality and property sectors.

Prior to her senior engagements with organisations such as TUI, Thomas Cook, First Choice and Saga, where she was CEO of the Travel Division,  Jeannette graduated from University with a 1st class BA Hons degree in Economics & Management Studies, before starting her career in UK Government, as an Economist.

Jeannette now has a portfolio of businesses, covering property investing, board advisory and business mentoring. The breadth of her experience in running large and small businesses, mergers & acquisitions, international expansion, strategic development and investing, along with her ‘down to earth' approach, makes for a unique combination.

ABOUT THE HOST

Allan Harding

I've had an amazing career through to setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk

IG: @allanh1 https://instagram.com/allanh1

Facebook: https://www.facebook.com/allan.harding.37

Website - https://allanharding.co.uk

PODCAST DESCRIPTION

Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

Allan is back once again to continue on from last week's episode on his investment strategy to ensure he doesn't have to retire on a state pension. In this episode of More Than Just Property, Allan focuses on his property investment strategies. He’ll talk you through the importance of cash flow, buy to let, BRR, and HMOs.  

KEY TAKEAWAYS

• Think about what property means to you. How is it going to help or assist your life? You don’t want to get into it and end up spending more time on it than you want or spending more money than you can afford. 
• The most important thing for Allan when it comes to investing in property is cash flow. When your money comes in and when it goes out is so important to the state of your business as if they’re not aligned right you might not have the money there to spend. 
• Buy to let properties are good recurring income and great for those starting out. All of your outgoings should be more than covered by the rent coming in. There is very little effort required but the income will be on the lower side. 
• If you’re a good landlord you can keep people in your rented out properties for multiple years and really not have to worry about it. It’s just money in your pocket every month. 
• BRR - is Buy, Refurbish, Refinance. The price you pay for a property in bad condition is lower, then you do it up and rent it for more than you would have and because of the refurbishment you have a more valuable property. 

BEST MOMENTS

‘It’s not always good to look at what’s got that shiny penny’ 

‘Cash flow is king’ 

‘Buy to let is really good when you’re starting out’

ABOUT THE HOST

Allan Harding

I’ve had an amazing career through setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk

IG: @allanh1 https://instagram.com/allanh1

Facebook: https://www.facebook.com/allan.harding.37

Website - https://allanharding.co.uk

PODCAST DESCRIPTION

Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

Have you got questions about tenants? Then you’re in luck because today Allan will be discussing the different types of tenants, tenancy agreements, and the different ways you can have people staying in your property. He’ll also be touching on his experience with student flats versus professional HMOs, evicting tenants, and background checks.

KEY TAKEAWAYS

• As a landlord, having a letting agent who can act on your behalf in a timely manner can really help protect you legally. It adds that extra layer of security so you know issues will be fixed without you becoming liable to action down the line. 
• Letting agent background checks verify the identity, employment status, and income of potential tenants to ensure they can meet their rental obligations. This helps minimise the risk of non-payment or financial issues during the tenancy.
• Background checks can provide insights into a tenant's rental history, including references from previous landlords. This helps assess their reliability, responsibility, and ability to maintain a tenancy agreement.
• Assured Shorthold Tenants (AST) is the most common type of tenancy in the UK. ASTs provide tenants with a fixed term tenancy agreement, usually for six or twelve months, after which it can become a periodic tenancy.
• Regulated tenants have secure tenancies in properties that were rented before 15 January 1989. They have strong rent control and other legal protections.
• A common law tenancy, also known as a non-assured or non-regulated tenancy, refers to a type of tenancy agreement that is not governed by the specific provisions of the Housing Act 1988.
• Excluded tenants, also known as licensees, do not have the same legal protections as other types of tenants. They usually live in accommodation where the landlord also resides, such as a lodger arrangement.
• The first step in eviction proceedings is to serve the tenant with a formal notice, typically either a Section 21 Notice or a Section 8 Notice, depending on the circumstances. These notices specify the grounds for eviction and the date by which the tenant must vacate the property.
• If the tenant does not voluntarily leave by the specified date in the notice, the landlord can apply to the court for a Possession Order. This involves submitting the necessary paperwork and paying the required fees.
• A court hearing will be scheduled where both the landlord and the tenant present their case. The judge will consider the evidence and determine whether to grant a Possession Order.

BEST MOMENTS
‘You need to understand what kinds of tenants you’re targeting with your property’
‘Tenants are very well protected in the UK from eviction’
‘As a landlord it is your legal responsibility to protect a tenants deposit in the right way’

EPISODE RESOURCES
My Deposits

ABOUT THE HOST
Allan Harding
I’ve had an amazing career through setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD
Instagram
Website - https://allanharding.co.uk

PODCAST DESCRIPTION
Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

Consistency in all aspects of life will set you up for success and allow you to live your life in a healthy way where you are in control of your time. Today on More Than Just Property, Allan will be talking you through how setting consistency in your diet, exercise, sleep schedule, diary management, and even what you wear is so important to driving you forward quickly in life which translates to your business. 

KEY TAKEAWAYS

• To those of you who are interested in signing up for mentorship with Allan, most of those who work with him have some kind of property portfolio already and goals already set they want to achieve. This will be of less benefit to those who are just starting out as it’s an accelerated programme that might be a bit much for beginners. 
• One of the most important things Allan was taught was to properly use an electronic diary and properly plan his day and week. Organisation is such a key thing that allows him to manage his time and work out where he can fit in workouts around work and travel. 
• No matter what situation you are in, you need to get your fitness in order so you’re in peak performance mode so you can handle anything life throws at you. No matter how much time you think you have, you can always find time in your diary to get on the ball with your fitness. 
• Going to bed at the same time every day and getting up at the same time every morning is the best way of setting your daily routine. When you’re in the habit then you will keep with it and your sleep schedule will be set. 
• Decision fatigue is “the idea that after making many decisions, your ability to make more and more decisions over the course of a day becomes worse,” said Dr. MacLean, a psychiatrist. “The more decisions you have to make, the more fatigue you develop and the more difficult it can become.”
• Minimise distractions in life while you’re working on your business. Allan’s phone goes into do not disturb mode at 8am on a working day and only a few people will get through to him, the rest go to an answering service.
• Once you’ve been distracted from your work, it can take up to 35 minutes to get back into your working headspace. You can’t afford to lose that amount of time every time your phone dings. 

BEST MOMENTS

‘It’s training, training, training, and being utterly consistent with that’ 

‘Consistency takes time’ 

‘If you have a goal make sure you’ve written it down so you can plan to achieve it’

‘If you have no idea what your time looks like, how can you find time for yourself’ 

‘You’ll learn to ignore the notifications that distract you throughout the day’

ABOUT THE HOST

Allan Harding

I’ve had an amazing career through to setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk

IG: @allanhardingofficial

Facebook: https://www.facebook.com/allan.harding.37

Website - https://allanharding.co.uk

PODCAST DESCRIPTION

Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

Today on More Than Just Property, Allan is joined by ‘The British Entrepreneur’, Jon Joseph Bourgerie. Jon is a serial entrepreneur, YouTuber, podcaster, and public speaker. Listen in to hear the brilliant life story Jon has to tell about being a business person who never wants to work to investing $1 million in Bitcoin.

KEY TAKEAWAYS

• Jon’s philosophy was thinking, about how much money does he need to earn in a year to live comfortably, then go out and try and earn it in a day.
• Jon’s first-ever company is the Modball Rally starting back in 2007 and still growing now. This moving festival of cars and travel has taken people all over the world including Europe, America and Australia. Widely known as the biggest road trip in the world, Modball has taken over 5000 people to different cities holding over 150 parties and events.
• Jon has his sights set on the property sector after many years of renting property through Airbnb. Current builds include a property in the Cotswolds and a surf Villa in Costa Rica. You can see videos of these builds on YouTube.
• Beginning in January 2023 The British Entrepreneur Club will form a network of entrepreneurs and business owners who have a passion for learning and networking. This lifestyle membership is for individuals in business who are looking to benefit from expanding their knowledge with successful entrepreneurs. Members gain full access to the private network allowing them the opportunity to engage with other business leaders, entrepreneurs and investors.

BEST MOMENTS

‘I didn't even wanna start a business. I just wanted to travel the world for free and drive nice cars’

‘I ended up swapping my PlayStation for the first website’

‘I like to work in environments where people are enjoying themselves’

EPISODE RESOURCES

Jon Joseph Bourgerie (@jonjosephbourgerie) • Instagram photos and videos

Jon Joseph Bourgerie

The British Entrepreneur - YouTube

ABOUT THE GUEST

Jon Joseph Bourgerie is a serial entrepreneur and crypto investor living in London. The YouTube channel 'The British Entrepreneur' is Jon learning from successful people from all walks of life. Jon also posts Vlogs about his own investments and businesses including the ‘$1 Million Dollar Bitcoin & Ethereum” video. Jon is based in Shoreditch, London and travels around the globe for work and speaking events.

ABOUT THE HOST

Allan Harding

I’ve had an amazing career through to setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk

IG: @allanh1 https://instagram.com/allanh1

Facebook: https://www.facebook.com/allan.harding.37

Website - https://allanharding.co.uk

PODCAST DESCRIPTION

Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve the

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

Today on More Than Just Property, Allan is joined by best-selling author, Alexander Seery. Alex is a successful entrepreneur, and investor, he is the founder and CEO of Shifts to Success, a specialised business training company that supports the public sector in building successful businesses. At the age of 24, he built his first company with zero start-up capital to a six-figure business while working full time as an officer based in custody.

KEY TAKEAWAYS

• Alex has three income streams, the first being property investment with his property business, the second being his business training company that helps people in the public sector such as police officers to start and scale business. Thirdly Alex has a Facebook ads agency which focuses on advertising called Leads to Success.
• The property side of things has been systemised so Alex does not have any involvement in the day to day operations. This means his main focus now is on his other two businesses and the property is run by a team for him.
• Alex chose HMO properties because if you have multiple tenants then you have multiple incomes from that property. It’s the best kind of property investment to keep cash flowing.
• Any course that you invest in, the responsibility is on you. You don’t blame a gym if you don't do it properly and don’t gain muscle.
• The best piece of advice Alex ever received was to stop messing about. He took too long over a potential investment and missed out on the opportunity. So the advice was to do your due diligence and all that stuff, but when you know, you need to pull the trigger quickly.
• Rich people spend money to save time, poor people spend time to save money.

BEST MOMENTS

‘If we bake a cake in life and we use the same ingredients, 9 times out of 10 we end up with the same results’

‘You want one source of income to create other sources’

‘If you want to attract something in life then you need to dress for success’

‘If you’re jumping into business with someone you need to know what they want’

EPISODE RESOURCES

Alexander Seery

Alexander Seery | Business Training for Police Officers and NHS workers

Alexander Seery on LinkedIn

ABOUT THE GUEST

Alexander Seery is a best selling author, successful entrepreneur, and investor. At the age of 24, he built his first company with zero start-up capital to a six-figure business while working full time as an officer based in custody. Alex is the founder and CEO of Shifts to Success, a specialised business training company that supports the public sector in building successful businesses. He is the author of “Police Officer to Entrepreneur: The Six-Step Method for Building a Successful Business Beyond the Force” and “Pivot & Grow: The Essential Guide To Business Success”

ABOUT THE HOST

Allan Harding

I’ve had an amazing career through to setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk

IG: @allanhardingofficial

Facebook: https://www.facebook.com/allan.harding.37

Website - https://allanharding.co.uk

PODCAST DESCRIPTION

Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

In this episode, Allan discusses the importance of mindset and maintaining a positive attitude to achieve success on a daily basis. He openly shares that he has experienced anxiety and insomnia in the past, recognising that inadequate sleep can intensify anxieties and worries, affecting not only your business but also your goals, property projects, and the people around you. To combat this, Allan emphasises the need to change one's mindset and shares that he has dedicated significant time to self-improvement and introspection. Don’t forget to leave a review and tell a friend about the podcast.

KEY TAKEAWAYS

• Allan has a brand new website www.allanharding.co.uk where he’ll be updating you with the information around the projects he’s working on and the services Allan offers to anyone who wants to get started in property, business, or are just looking for help. 
• There are two elements to consider when talking about mindsets. The first one involves truly understanding yourself, being self-aware, and taking time to reflect on your thoughts, emotions, and actions. The second element is about knowing how to eliminate negative influences from your life. By doing so, you can create a positive environment and mindset, enabling personal growth and a more fulfilling life.
• The worst thing that can happen to you is that everything can be taken away from you and you have to start again. Having a positive mindset allows Allan to have the confidence in his own abilities to take that opportunity of starting over, to build back up to where he was before or even surpass it. 
• One of the biggest things that people should remove from their lives is watching the mainstream media. Allan used to read a newspaper every day and regularly watch the news, however he’s come to the realisation that they are only telling you what they think you should know. They never get to the truth of the matter and just try to distract your attention from things they don’t want you to see. 
• If there is someone that influences your life who is negative around you, spend less time with them. You don’t need to give time to people who bring us down and add negativity into your life. 

BEST MOMENTS
‘My outlook is now very much that I could start again and build it up to being successful again’
‘You’ve done it once. You can do it again and do it better’
‘I use this time of year as a reflective period to rebuild my energy for the last push of the year’

ABOUT THE HOST
Allan Harding
I’ve had an amazing career through setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD
allan@fxtechnologies.co.uk
IG: @allanhardingofficial
Facebook: https://www.facebook.com/allan.harding.37
Website - https://allanharding.co.uk

PODCAST DESCRIPTION
Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

There are a few things in life that are truly non-negotiable, and it’s those non-negotiables that Allan has been thinking about over the last few months. So this week on More Than Just Property, Allan will be explaining his non-negotiables in life, what they are, and the difference between discipline and motivation.

KEY TAKEAWAYS

• You can’t be rigid in the face of an emergency, if something needs your immediate attention then you have to be able to give it the time it needs.
• Health and fitness are Allan’s non-negotiables, especially since the pandemic he has wanted to stay on top of his body which keeps his mind working well. His diary is what has allowed him to find time in his busy schedule to work out.
• Motivation has to turn into discipline. Everyone has the motivation to go to the gym on January 1st, it’s the people with discipline who are still there in February.
• You don’t need to do much exercise to feel sharper and more awake in your day-to-day life. It’s about gradually making your body function for you so you know your back isn’t going to go when you bend over.
• You can always find time, no matter how busy you think your life is. This is where your diary becomes your best friend.
• The biggest killer in the world is a chronic disease, and this is often caused by people not fueling their bodies right or a lack of movement in day-to-day life.

BEST MOMENTS 

‘Motivation will get you through the door but discipline sees you through’

‘If I have to rearrange my diary then I’ll always rearrange my fitness sessions first’

‘If you’re not functioning mentally you’ll find things so much more difficult

ABOUT THE HOST

Allan Harding

I’ve had an amazing career through to setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk
IG: @allanh1 https://instagram.com/allanh1
Facebook: https://www.facebook.com/allan.harding.37
Website - https://allanharding.co.uk

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

As promised from the first solo episode, Allan is back with part two where he'll tell you about his twenty years in corporate life, early working life, and through to the businesses he has now. This episode should give you an idea of where you need to get your mindset and your head for working full time and running your own business. 

KEY TAKEAWAYS

• Remember, Ronaldo wasn't born one of the best footballers on the planet, he worked hard and trained hard to eventually become what he is today. It was his mindset that's allowed him to take it to that next level. 
• Visibility. If you're in a corporate job and want to reach the top, you have to be seen and especially seen by the people who can take you up that ladder. It might not be your immediate boss, it could be someone three layers above or even someone in a different department with a better career trajectory. Be helpful and be someone that people want to be around, and importantly target yourself towards the right people. 
• Be the go to person. You want to establish yourself as an authority in your area, you need to be known for being helpful in delivering that. If you help the right people in the right way then they'll come back time after time. Make sure you're always honest and genuine and deliver what you say you can deliver. This can work in all kinds of businesses, be the go to hairdresser or painter decorator who everyone knows does the best job
• There will come a time of sacrifice. It's about giving up time to get what you want. For example doctors and lawyers work hour after hour to get to the top of their field. No job is truly 9 to 5, you need to go beyond that. You don't need to work 23 hours a day but you can be the first one in and the last one to leave. Establish a pattern of consistency that people can rely on. 

BEST MOMENTS

‘I wasn't born the way I am today, it's experience that does that' 

‘The latest overnight success has ten years experience behind them that you don't see'

‘Be like Audi, target yourself to the right market' 

‘You want to be the best person in that area so everyone comes to you' 

EPISODE RESOURCES

If you have any questions you want answered, then email Allan

ABOUT THE HOST

Allan Harding

I've had an amazing career through setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk

IG: @allanh1 https://instagram.com/allanh1

Facebook: https://www.facebook.com/allan.harding.37

Website - https://allanharding.co.uk

PODCAST DESCRIPTION

Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

Matt Carey-Williams is the Senior Director and Head of Sales at the Victoria Miro Contemporary Art Gallery in London. Matt joins Allan Harding this week on More Than Just Property to tell you about his life, where he gained his love of art, where he found his sales skills, and his work at Victoria Miro. 

KEY TAKEAWAYS

• Matt's job is to make sure his sales team all work together to place the right art in the right spaces and the right homes at the right prices. 
• You only find out what your worth is when you're about to leave. Matt was working at Sotheby's in London and was offered a job by Christie's, when he went to tell them he was leaving for more money, Sotheby's wanted him to stay so bad they offered him a role in New York. 
• The way we consume art has changed with the advent of Instagram. It's made it so much easier for young artists to be seen by galleries and there is a whole world of new artists on Instagram to be found. 
• Matt believes that the digital space won't change how people buy art. You need to have the ambiance and the lighting of the gallery to truly see the beauty in the art and connect you to it. 

BEST MOMENTS

‘A commercial art gallery has a responsibility towards an artist' 

‘Even though it's my profession, it's still a passion'

‘Instagram has revolutionised the art world as much as email has for everything'

EPISODE RESOURCES

https://www.victoria-miro.com/

Matt on LinkedIn

@matt_careywilliams

https://www.instagram.com/victoriamirogallery/

https://www.facebook.com/victoriamirogal

https://twitter.com/victoriamiro

ABOUT THE GUEST

Matt is an experienced Contemporary Art Specialist with a demonstrated history of success in the Arts industry, working at both galleries and auction houses across North American, European and Asian markets for nearly 25 years. He sells, writes, mentors, manages, advises, lectures and teaches.

ABOUT THE HOST

Allan Harding

I've had an amazing career through to setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk

IG: @allanh1 https://instagram.com/allanh1

Facebook: https://www.facebook.com/allan.harding.37

Website - https://allanharding.co.uk

PODCAST DESCRIPTION

Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

Philip Alford first became a councillor in 2007 and now works for Wiltshire Council. He joins Allan on More Than Just Property today to talk about his views as a local councillor, how things are going generally in the county. Philip also tells us all about his life as a teacher as well as finding that all important work life balance. 

KEY TAKEAWAYS

• As a teacher and a councillor, Philip couldn’t teach in the same council that he was working in due to possible conflicts of interest. He had to commute an hour to Swindon every day for work. 
• As a councillor Philips job is to represent local people and be their voice at meetings and represent their values. He also deals with a lot of case issues such as potholes or overgrown hedges. As he progressed he’s taken on more and more responsibilities as he’s part of the cabinet now dealing with reports and budgets. 
• As a representative of the cabinet, Philip doesn’t just represent people in his district anymore, but the whole of the county.
• The Housing Revenue Account (HRA) is intended to record expenditure and income on running a council's own housing stock and closely related services or facilities, which are provided primarily for the benefit of the council's own tenants.
• As Philip has two jobs he doesn't get much downtime. His lunch break at work is usually spent sending emails and then when he gets home it’s the same. As a teacher he does luckily have those 3 months off where he can really focus on council work.  

BEST MOMENTS

‘It’s a job like no other’

‘I represent over half a million residents’ 

‘You have to know when you’ve done enough and have to accept the result’ 

‘If children know there are opportunities out there, then they will go for them’ 

EPISODE RESOURCES 

https://cms.wiltshire.gov.uk/mgUserInfo.aspx?UID=7207

ABOUT THE HOST

Allan Harding

I’ve had an amazing career through setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk

IG: @allanh1 https://instagram.com/allanh1

Facebook: https://www.facebook.com/allan.harding.37

Website - https://allanharding.co.uk

PODCAST DESCRIPTION

Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

While Allan is a great dismisser of New Year's resolutions, due to the fact 99.9% of people won't actually stick to them, it wouldn't be right to do a podcast in December without talking about goals and goal-setting for the next year. So today on the show Allan will be talking about how he will be setting his six goals for 2023 and how you can apply that knowledge yourself.

KEY TAKEAWAYS

• Allan has just launched a new Instagram, which is all about his property journey and the properties that the business owns and everything in that property space. Follow @allanhardingofficial
• January comes around and people commit to giving up drinking or decide to get in shape. They don't set themselves proper accountability and they don't have a plan for how they're going to deliver it. That’s the key point. So across Allan’s businesses, whilst they have weekly and monthly goals and targets, they do have annual goals that they are working towards to generate revenues or complete a specific number of property projects.
• People should break down their goals into specific areas. It's a really good way of understanding what you want to achieve across the board, not just having one great big long list, but having six headings that will give you goals under each.
• By September, you should ideally be 80-90% of the way through those goals, if you focus on them properly, you get all this time off at Christmas and New Year then you can come back to them from January onwards.
• The six headings Allan works towards in his annual goals are 1. Education. 2. Career or Business Goals. 3. Property. 4. Health and Fitness. 5. Personal Investments. 6. Personal Goals.

BEST MOMENTS

 ‘Goals should be more fluid’

‘The first three months of the year are likely going to be your most productive’

‘If I've done more than half of what I want to achieve by the end of March, you know you're onto a winner’

ABOUT THE HOST

Allan Harding

I’ve had an amazing career through to setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk

IG: @allanhardingofficial

Facebook: https://www.facebook.com/allan.harding.37

Website - https://allanharding.co.uk

PODCAST DESCRIPTION

Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

Martin Burnett is the director of the marketing design agency Nettl in Melksham. He joins Allan on More Than Just Property to talk about how he got his passion for design, how college was a transformative time for him, his love of racing, and all about his career running a print business. Apologies for the audio in this one, it was so unbearably hot we had to have the windows open.

KEY TAKEAWAYS

• Nettl is a design agency aimed at the global market covering everything from websites to print. The print aspect could be business cards, t-shirts, or even a large banner, essentially everything you need to market your business.
• The freedom that studying at college gave Martin was transformative. He learned much better in an environment that treated him like an adult, not a child. Although he still bunked off and didn’t do his work when he was supposed to, he was lucky enough to have a computer at home where he could do all his work.
• As a business owner you need to accept that you can’t do it all yourself and that you should always be looking forward for new innovations and even people who can improve your company.
• The journey of the person setting up their business has changed. People used to go to a print business and end up having their logos done for example as well as what they came in for. Now they have all their web design and logos all done before they come in for their business cards.

BEST MOMENTS

‘I was one of the lucky ones, I was 15 and I knew what I wanted to do’

‘Not everyone learns in a classroom environment’

‘I learned what I was prepared to do and what I wasn’t prepared to do’

‘It was a marketing ploy, they weren't opening here, they wanted me’

EPISODE RESOURCES

https://www.nettl.com/uk/melksham/

Nettl of Melksham on socials

ABOUT THE HOST

Allan Harding

I’ve had an amazing career through to setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk

IG: @allanh1 https://instagram.com/allanh1

Facebook: https://www.facebook.com/allan.harding.37

Website - https://allanharding.co.uk

PODCAST DESCRIPTION

Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

A tree is planted in one place and it grows in that place and it can't move, it can't change its surroundings. But you can, you have two feet. You can walk, you can move it. If you really need to, you can change your life and you can. This episode of More Than Just Property is all about change and emotion and how change and your emotions are driven by nobody but yourself. 

KEY TAKEAWAYS

• For a lot of people the pandemic taught them that they didn't need to be doing what they were doing beforehand. You didn't need to be travelling all the time for work. You didn't need to be working every hour under the sun. It allowed us all to really reconnect with what's around us and make us feel more present in the moment.
• If you haven't built the emotional resilience and the discipline that you need to continue those goals that you set for yourself in the New Year then you will be starting to wane.
• One of the reasons I set up this podcast was to try and get a message out to people. That you don't need to be extremely highly educated or to have a master's or a PhD to work out what's good for you. You don't need to be super successful to be able to change your life, to reflect something that you want more from your life. You can do that at any point in your life.
• You can go and start again. Start at any age, go and do something different. Really connect with what you want to do internally. Whether you want to open up your creative side and start a new business doing something completely different. Do it.
• your mindset cannot be changed and cannot be necessarily influenced by somebody else. They can give you tools towards helping you deal with situations that you are in and you can start to build on that yourself, but you cannot expect somebody else to have written a book 10 years ago that you're going to read and suddenly it changes your life. 
• Mortgage payments are going to go up significantly this year and towards the middle of this year, it's going to start having a knock on effect across everything. Council tax is going to go up because councils have no money left. Income tax is expected to go up, we're going to be squeezed at every single point we can be.

BEST MOMENTS

‘It's really important we take the lessons we've learned from the last few years and actually start really looking to the future’

‘Ultimately coming back down to what is going to satisfy you as a person is one of the most important things that I've learned about myself’

‘What an absolute waste for that to be the main topic that people are shown when they go to read the news’

ABOUT THE HOST

Allan Harding

I’ve had an amazing career through setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk

IG: @allanhardingofficial

Facebook: https://www.facebook.com/allan.harding.37

Website - https://allanharding.co.uk

PODCAST DESCRIPTION

Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

Founder of Mitchell & Co Properties, James Mitchell joins Alan Harding this week on The More Than Just Property podcast to talk how he started in the rent to rent space then scaled up his property portfolio. Listen in to hear all about James’ life and his ambition of carving his own path and how that’s driven his business from the beginning. 

KEY TAKEAWAYS

• At the beginning of his business James had about six properties within the first six months and was doing them all up himself. He even ordered beds to the properties early so he could do his painting etc and stay there overnight, something his wife wasn’t too happy about. 

• During Covid, James had to diversify his business and was doing a lot in marketing. The problem was that he was getting bombarded with comments saying that he should be renting his properties for free or giving them out to people in the NHS. They didn’t see his side that he had people on his payroll who needed to pay their mortgages and feed their families. 

• James sold his cleaning part of the business to the first cleaner he had ever hired in that business who became his head housekeeper. He’s so happy that she’s running the business successfully and James actually uses that company he used to own to clean his properties now. 

• Remember that you are worthy of investment, James took a long time of not doing what he wanted before he tried to pitch himself. It’s about believing in yourself and believing that you as a person are worth the financial investment in. 

• From working with an investor James has learned that he is worth more and that you can’t do everything in business on your own. When you build a good relationship and look after other people’s money then they will keep on investing in you in the future. 

BEST MOMENTS

‘You’re doing what you want to do and not what someone else wants you to do’ 

‘I’d say now I’m 100% unemployable, I want to carve out my own path’

‘We went into things too quickly and made some wrong decisions, that was healthy because we found out where we wanted to go’ 

‘I looked after the investors money like it was my own money’

EPISODE RESOURCES 

James Mitchell on Facebook

@Iamdawton on Instagram

ABOUT THE HOST

Allan Harding

I’ve had an amazing career through setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk

IG: @allanh1 https://instagram.com/allanh1

Facebook: https://www.facebook.com/allan.harding.37

Website - https://allanharding.co.uk

PODCAST DESCRIPTION

Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

Today on More Than Just Property, Allan is joined by ‘The British Entrepreneur’, Jon Joseph Bourgerie. Jon is a serial entrepreneur, YouTuber, podcaster, and public speaker. Listen in to hear the brilliant life story Jon has to tell about being a business person who never wants to work to invest $1 million in Bitcoin.

KEY TAKEAWAYS

• Jon’s philosophy was thinking about how much money he needs to earn in a year to live comfortably, then go out and try to earn it in a day.
• Jon’s first-ever company is the Modball Rally starting back in 2007 and still growing now. This moving festival of cars and travel has taken people all over the world including Europe, America and Australia. Widely known as the biggest road trip in the world, Modball has taken over 5000 people to different cities holding over 150 parties and events.
• Jon has his sights set on the property sector after many years of renting property through Airbnb. Current builds include a property in the Cotswolds and a surf Villa in Costa Rica. You can see videos of these builds on YouTube.
• Beginning in January 2023 The British Entrepreneur Club will form a network of entrepreneurs and business owners who have a passion for learning and networking. This lifestyle membership is for individuals in business who are looking to benefit from expanding their knowledge with successful entrepreneurs. Members gain full access to the private network allowing them the opportunity to engage with other business leaders, entrepreneurs and investors.

 BEST MOMENTS
‘I didn't even wanna start a business. I just wanted to travel the world for free and drive nice cars’
‘I ended up swapping my PlayStation for the first website’
‘I like to work in environments where people are enjoying themselves’

EPISODE RESOURCES
Jon Joseph Bourgerie (@jonjosephbourgerie) • Instagram photos and videos
Jon Joseph Bourgerie
The British Entrepreneur - YouTube

ABOUT THE GUEST
Jon Joseph Bourgerie is a serial entrepreneur and crypto investor living in London. The YouTube channel 'The British Entrepreneur' is Jon learning from successful people from all walks of life. Jon also posts Vlogs about his own investments and businesses including the ‘$1 Million Dollar Bitcoin & Ethereum” video. Jon is based in Shoreditch, London and travels around the globe for work and speaking events.

ABOUT THE HOST
Allan Harding
I’ve had an amazing career through setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD
allan@fxtechnologies.co.uk
IG: @allanhardingofficial
Facebook: https://www.facebook.com/allan.harding.37
Website - https://allanharding.co.uk

PODCAST DESCRIPTION
Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

This isn’t something Allan would usually dedicate a whole episode to, but so many people have been asking what is going on with the economy? Is the housing market currently viable? What does the future of property investing look like? This week on More Than Just Property, Allan will break down all the things you need to know about the housing market and how it has and hasn’t been affected by the chancellors ‘mini budget’.

KEY TAKEAWAYS

• Energy companies registered in the UK will be making a profit of 170 billion pounds in the next five years. Even taking 5 or 10 percent of that through a windfall tax would have paid for the price rises we’ve been seeing all across the UK.
• Interest rises usually happen when people have excess money to spend on luxuries, but the case this time is that it is directly tied to rising fuel costs. As interest rates go up, your mortgage becomes more expensive because the interest based on your borrowing has increased. This has a knock on effect as it falls under the Bank of England's affordability calculator and prevents the amount you can borrow from increasing.
• Average rates on two year fixed mortgages were 2.2 or 2.3%. They’re suddenly 5.5%, that difference makes a huge difference to what you can afford to buy.
• The choice in mortgage options has reduced drastically from December 2021 where there were more than 5000 mortgage products available, and this week that’s down to 2000. It’s mostly the two year fixed terms that have been removed.

BEST MOMENTS

‘A higher interest rate when you’re saving is great, when you’re borrowing it’s bad’

‘I just don’t think you can have any sensible predictions on what will happen in the next 6 months’

‘You need to make sure the numbers stack’

ABOUT THE HOST

Allan Harding

I’ve had an amazing career through to setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk

IG: @allanh1 https://instagram.com/allanh1

Facebook: https://www.facebook.com/allan.harding.37

Website - https://allanharding.co.uk

PODCAST DESCRIPTION

Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

Jo and Donna-Kate of the award winning function band the DeciBelles join Allan Harding this week on More Than Just Property. This is a brilliant conversation with two amazing performers, who find out about what goes into making a band a business, being a recording artist, and how to be successful in the world of function. 

KEY TAKEAWAYS

• The first wedding the DeciBelles ever did, they turned up with a speaker that wasn't big enough to fill the room. Since then they've learned a lot and expanded their skills into being business people as well as performers. 
• Donna-Kate deals with the money and business side while Jo deals with the boys, making sure the right people are in the right place, and most importantly what songs they're singing. 
• The duo's USP is that they actually play what the couple getting married want, not just turning up with a playlist. They get to know them and find out what they actually want to hear. 
• The duo use different freelance professional musicians depending on who is available. Unless you're hitting 60 or 65 gigs a year, you can't afford to have a full band on staff. 
• Jo wrote and recorded a charity single for Fly2Help called Take Flight, you can find the charity in the notes below. 
• The duo have always done it person to person, rather than the agent route. They find that the wedding industry lacks a personal touch when it comes to booking musicians. Straight to the client is important to what the DeciBelles brand is. 

BEST MOMENTS

‘You don't need to do what everyone else is doing as long as it's working for you' 

‘It means loud female, which we are' 

‘Your event, your music, your way. That's our tagline' 

EPISODE RESOURCES

https://www.thedecibelles.com/

https://www.facebook.com/TheDeciBelles

https://www.instagram.com/the_decibelles/

https://open.spotify.com/artist/5GZGNTUxHv0F27HIkrMRat

https://www.fly2help.org/

ABOUT THE GUESTS

The DeciBelles are an award winning function band who pride themselves on creating the perfect atmosphere for any event. From small intimate engagements with their Duo and Unplugged setups, to their full show stopping, tour-de-force electric band! The DeciBelles are experts in creating the perfect atmosphere that will make it an event to remember! Having performed all over the UK and in Europe, from small venues to arenas, The DeciBelles have a wealth of experience that they are eager to share.

With over a decade of professional experience together The DeciBelles are fronted by vocalists Jo and Donna-Kate. The girls work delicate harmonies into your heartfelt ballads, bring to life the divas of the past and ignite the spark for your evening entertainment. 

ABOUT THE HOST

Allan Harding

I've had an amazing career through setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk

IG: @allanh1 https://instagram.com/allanh1

Facebook: https://www.facebook.com/allan.harding.37

Website - https://allanharding.co.uk

PODCAST DESCRIPTION

Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

Property Investor, Mortgage Broker, and Speaker and Trainer at Progressive Property, Emerald Fisk joins Allan Harding this week on More Than Just Property. The pair discuss how Emerald came close to being expelled from school, how she re-trained during the pandemic, how she built her property portfolio, and her work as a trainer and speaker. 

KEY TAKEAWAYS

• Having three income streams is important. Emerald is a speaker and trainer with Progressive Property and delivers property training several times per month. She has a property portfolio and is a mortgage broker. 
• Emerald retrained as a mortgage broker during the pandemic when former guest Joel White of Ramsay & White called her up and offered her a job. 
• Emerald specialises in the buy, refurbish and refinance strategy and has built a portfolio using a mixture of investor finance and bridging. That's well over £1.5 million raised in 4 short years (that's also over £150k paid in interest).
• You will find in property that you need a higher effort for a higher income, you need to position yourself in a place where you can put in the time and work that suits both your goals and your time restraints. If you want more income then you will have to make it a priority, whereas if you're happy being passive then you can sit back a little. 
• The biggest takeaways Emerald has learned from property are listening to her intuition, discipline, and learning to love the journey and the process. 

BEST MOMENTS

‘I have a portfolio of single lets because they're easy and I'm lazy' 

‘My whole portfolio has been made with other people's money' 

‘When he got back I just decided I'm not going into work today so I quit' 

‘Discipline will always outweigh motivation'

EPISODE RESOURCES

Emerald on LinkedIn

Emerald on Instagram

ABOUT THE GUEST

Emerald Fisk is a Portfolio Landlord and Mortgage Advisor, and specialises in the buy, refurbish and refinance strategy. 

She has built a tidy portfolio using only investor finance. That's well over £1.5 million raised (and invested) in 4 short years.  This portfolio is in 3 locations in the UK (Liverpool, South Wales and Gloucester), although she now solely focuses on the 2 southern locations. Emerald's portfolio mainly consists of 2 bed terraced houses, but she also owns some semi commercial buildings and an HMO. 

In Emerald's early days she was a shiny penny chaser and has tried every awesome high cash flowing strategy there is, including rent to rent, SA and sourcing, however she has found her passion within financial services and she absolutely loves working day to day as a mortgage advisor; although most the time she feels more like a property consultant as she can't help but delve deeper into her clients property businesses to make sure she can offer the best advice and products possible.

ABOUT THE HOST

Allan Harding

I've had an amazing career through to setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk

IG: @allanh1 https://instagram.com/allanh1

Facebook: https://www.facebook.com/allan.harding.37

Website - https://allanharding.co.uk

PODCAST DESCRIPTION

Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

Today Allan is joined on More Than Just Property by Joe Butler, a content creator and real estate expert based out in Dubai. He’s here to share his story of going from a community centre kitchen, to working with Premier League footballers, to investing in property in the UAE. Joe explains why he chose to go into business overseas and tells you about the differences, pros, and cons of the industry in Dubai. 

KEY TAKEAWAYS

• Joe always had an interest in business and wanted to work abroad one day, he was studying engineering and working as a personal trainer but it wasn’t fulfilling him. He tried starting a meal prep business out of a community centre kitchen but there were too many obstacles for such a small margin. 
• The contacts Joe made when being a videographer in Marbella pid off then and are continuing to pay off now. He started taking photos and videos for influencers for free, that then went into paid work and that paid work lead to working with famous footballers who he now works with in property. 
• You’re never going to always be at the top, when you’re not at the top you need to allow yourself to have that off day. If you’re not feeling it, take a day to reset then the next day you can go out and smash it. 
• Ten years ago nobody would have ever imagined you could find clients for property sales and investments through YouTube, but that is exactly what Joe does to generate between 3 and 5 buyer leads every week. 
• Buying, holding and flipping off is a great business strategy in Dubai because the plots sell very quickly and if you get in there first and have a development that someone wants, they will pay a premium for it. 

BEST MOMENTS
‘At that point every personal trainer was going into online coaching, you didn’t stand a chance’
‘I went from 0 to 6,000 per month just from talking to people and making connections’
‘You are the only person stopping you’
‘Dubai offers the opportunity to grow’

EPISODE RESOURCES
Joe on LinkedIn
Joe on YouTube
Joe Butler DXB (@joebrealestate) • Instagram photos and videos

ABOUT THE GUEST
“With over 5 years of experience in the real estate industry, I have honed my expertise in serving multinational clients and creating successful investment strategies. My deep understanding of the Dubai real estate market, combined with my ability to identify profitable opportunities, allows me to develop customised strategies that yield optimal returns. I work closely with my clients to understand their goals and tailor my approach to meet their specific needs.

I specialise in real estate off-plan projects and land acquisition, bringing a hands-on approach to every aspect of the development process. Whether my clients are looking to invest in a small project or a large-scale development, I have the knowledge and expertise to make it a success. By partnering with trusted developers all over the UAE, I ensure that my clients' investments are well-protected and yield great returns. No matter the size of the investment, I am dedicated to helping my clients make smart and profitable real estate decisions."

ABOUT THE HOST
Allan Harding
I’ve had an amazing career through setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD
allan@fxtechnologies.co.uk
IG: @allanhardingofficial
Facebook: https://www.facebook.com/allan.harding.37
Website - https://allanharding.co.uk

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

In this week's episode, Allan dives into the current state of the property market and addresses a burning question on many minds: Is it the right time to invest in property? With the backdrop of July 2023, he explores the recent actions taken by the Bank of England, which raised interest rates to five percent in June, affecting mortgage rates.

KEY TAKEAWAYS

• The unprecedented speed of interest rates increasing since mid-2022 reflects an attempt to tackle the significant inflationary pressures observed in the past year. Although inflation has started to subside, it remains far from the Bank of England's target of 2%.
• There are about 1.4 million people due to come off of their fixed rate mortgages at the end of 2023. If you’re coming off of your fixed rate mortgage you really need to do your research into what deal you can secure so you can budget properly. You could be paying up to 5% more than your previous deal.
• The average monthly mortgage payment for a semi-detached property in December 2022 was £1260 per month, that’s 60% higher than in 2021. 
• The biggest problem Allan foresees is people being hesitant in the housing market due to the uncertainty around mortgage interest rates. 
• Is now the right time to invest in property in the UK? Allans answer is no right now, interest rates will go up again before they come back down. Take that cash and invest it in something else that will get you a similar return. 

BEST MOMENTS
‘We’ve had 15 years of cheap money’
‘You’re looking at a 5% increase in just 2 years’
‘Only a fifth of the entire UK housing market have mortgages’
‘It’s likely to drive us into a recession’

ABOUT THE HOST
Allan Harding
I’ve had an amazing career through setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD
allan@fxtechnologies.co.uk
IG: @allanhardingofficial
Facebook: https://www.facebook.com/allan.harding.37
Website - https://allanharding.co.uk

PODCAST DESCRIPTION
Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

With the economy still a little bit unstable, Allan has received a lot of questions about how his current projects have been affected, so today on the podcast Allan gives you an update on what his situation is. How have interest rates affected his portfolio and how is that making him feel? 

KEY TAKEAWAYS

• There is still a demand for housing in the UK, especially when you’re building the right types and in the right place. That demand will never go away no matter what interest rates are doing. 
• At the beginning of this year Allan moved his 2 year fixed rate mortgages onto 5 year fixed deals. 
• You have to do your numbers and have to be confident about what your project has to deliver. The projects you’ve planned may have had dramatic changes in the margins you’ve planned for. 
• Prices in certain parts of the country have been artificially inflated by people looking to move during the pandemic. 

BEST MOMENTS
‘We’ve had a decade of cheap borrowing and that’s driven house prices through the roof’
‘People keep asking how we keep finding this stuff’
‘We’re lucky that everything we’ve completed on is from when interest rates were lower’
‘Property isn’t a quick game’

ABOUT THE HOST
Allan Harding
I’ve had an amazing career through setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD
allan@fxtechnologies.co.uk
IG: @allanh1 https://instagram.com/allanh1
Facebook: https://www.facebook.com/allan.harding.37
Website - https://allanharding.co.uk

PODCAST DESCRIPTION
Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

This episode is going to be a little different, it's a solo one where Allan Harding tells you about himself, where he's come from, and importantly why he's started a podcast. Allan opens up about mental health in his youth, his passions in life, and how he turned his passions into a career.  

KEY TAKEAWAYS

• Allan's early working life was in IT when you still had bulky PCs with printers plugged into them. This taught him about problem solving and how his troubleshooting ideas were formulated. 
• If option one doesn't work, then before you move onto option two, find out why option one doesn't work. If you don't know why it failed then you'll be at risk of making the same mistake again. 
• Some places further north of the M4 you find the capital appreciation rates aren't as high, but the rental income you can get is comparable. 
• Ideally you want to buy the property, hold it for the long term, but rent it out while you're doing that. 
• In 2003/2004, Allan decided that any income he made from rentals would go back into investing in rental properties. This means that you get closer to your targets quicker and the more rentals you have, the more income you'll make to invest back in. 

BEST MOMENTS

‘If something's broken, then 9 times out of 10 you can fix it'

‘I thought this was my pension, this was my retirement fund' 

‘When you have the mindset of “I need X amount of money because I want to do this”, you go and find it'

EPISODE RESOURCES

Brave Bold Brilliant Podcast

If you have any questions you want answered, then email Allan

ABOUT THE HOST

Allan Harding

I've had an amazing career through to setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk

IG: @allanh1 https://instagram.com/allanh1

Facebook: https://www.facebook.com/allan.harding.37

Website - https://allanharding.co.uk

PODCAST DESCRIPTION

Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

Last week on the show, Allan talked you through how to work with investors. This week he’ll be doing the same but on the topic of mentors. Find out what mentorship really means, how it can look different for different people, and what a mentor can do for you. Allan also shares his personal experience of working with mentors and how well this investment has paid off. 

KEY TAKEAWAYS

• A mentor will help guide you when it comes to doing the right things, working in the right direction, and letting you know what to expect. You need to find someone who has been there and has an understanding of the goals you have and can help you achieve them. 
• When Allan looked for a mentor, he looked for one who had already built a property portfolio bigger than the one he intended to build. The second part of the mentoring that Allan needed was the confidence, self image, and self branding advice. 
• The role of a good mentor isn’t to just hand you answers, but to give you clues and thoughts and work you towards finding the answers out for yourself. 
• Mentors will probably charge a fee for their time, which is fair because they’re offering you a service. Allan has invested £75,000 to £80,000 in mentorship, which he believes is worth every penny making it back tenfold.
• Allan sought out advice from Rob Moore and Mark Homer, the founders of Progressive Property who have a lot of experience in property and their own training schemes. Mark gave Allan access to his extensive and valuable little black book of contacts. Rob helped Allan stop seeking external validation and get out of his own head. 

BEST MOMENTS

‘I haven't got where I am completely on my own’

‘I spent 8 years working on my mental wellbeing with a mentor’ 

‘No matter how many books you read, you need someone there to push you’ 

‘You need to stop worrying about what other people think of you’

EPISODE RESOURCES

Progressive Property

Rob Moore

Mark Homer | The Progressive Property Co-founders

ABOUT THE HOST

Allan Harding

I’ve had an amazing career through setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk

IG: @allanhardingofficial

Facebook: https://www.facebook.com/allan.harding.37

Website - https://allanharding.co.uk

PODCAST DESCRIPTION

Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

Jon Solitro is a Property Investor, Entrepreneur, Portfolio Builder, and owner of L’impero Sol, a problem-solving property investment company that helps landlords and motivated sellers. They buy, sell, and manage your unwanted properties, supporting local charities and communities along the way. Jon is on the podcast today to share his story of going from the barbershop to the property mogul he is today.

KEY TAKEAWAYS

• As a kid Jon was always saving meaning that at just 19 he had £20,000 in the bank. He used this to buy a £100,000 three bedroom property at auction which he and his dad did up and rented out. 
• Jon made the switch from investing in property in Bedfordshire to investing in flats in Hull and the East Yorkshire area. This is because the flats were already separated and self sufficient and in the North you can get more of a return on your investment. 
• Jon’s portfolio of over 20 properties supports those who are at risk of homelessness, as well as working professionals who require quality accommodation. He achieved this by collaborating with various charities and councils across East Yorkshire. 
• Jon exclusively chooses high-yielding properties, which allows him to build momentum and scale quickly using reliable cash flow.

BEST MOMENTS
‘One of the biggest arts of my success is that I listen’
‘What I found was that I was just a robot in that job, it wasn’t good for my mental health’
‘I’ve applied for a £25k loan, it’s either that or launching my laptop out of the window’

ABOUT THE GUEST
With a property portfolio exceeding 20 properties and a thriving utilisation of the BRRR model, Jon Solitro has established a prominent presence in the realm of property investment. Boasting over 15 years of experience as a landlord and investor, Jon has navigated through market fluctuations and regulatory shifts, consistently achieving success through strategic choices. Inaugurating L’impero Sol in 2019 as a dedicated platform for property investments, Jon's resilient approach is evidenced by the acquisition of 17 properties during the pandemic. Delegating day-to-day operations to a local letting agency, Jon is currently focused on expanding his portfolio, fostering partnerships, and offering expertise to motivated sellers and joint ventures, ensuring optimal returns and fostering impactful business connections.

EPISODE RESOURCES
Find all of Jon's links here

ABOUT THE HOST
Allan Harding
I’ve had an amazing career through setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD
allan@fxtechnologies.co.uk
IG: @allanhardingofficial
Facebook: https://www.facebook.com/allan.harding.37
Website - https://allanharding.co.uk

PODCAST DESCRIPTION
Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

In this mini episode, property investor and developer Allan Harding discusses the potential of UK property to make individuals rich in 2024. Allan talks about the historical success of property investments and provides insights into the strategies and considerations for building wealth through property. Allan also highlights the importance of long-term asset holding and the need for additional income sources to support property investments.

KEY TAKEAWAYS

• UK property investment has significantly contributed to individual wealth, particularly among the UK's richest. Many wealthy individuals have amassed fortunes through property assets, as seen in the Sunday Times Rich List. Allan notes that some have built generational wealth through long-term property investments, dating back to the 1800s, benefiting from substantial capital appreciation. This underscores the importance of strategic, long-term property investment in wealth accumulation.
• Key strategies for maximising UK property investment returns include holding assets to benefit from value increases, renting properties for cash flow, and reinvesting profits into new projects. Allan Harding suggests various approaches, such as buy-to-let, HMOs, converting buildings for Airbnb, and integrating property assets with a business to enhance cash flow and diversification.
• Allan suggests that becoming rich through UK property investments by the end of 2024 is unrealistic. He highlights that while property can generate wealth, achieving multimillionaire status quickly is unlikely. Harding emphasises a long-term approach, requiring patience as significant wealth accumulation may take years or generations, though he's open to being proven wrong.
• Allan recommends learning about property investment by understanding the market, buying assets at the right time, and renting effectively. He advises against spending heavily on education, suggesting learning through experience and acknowledging mistakes as valuable lessons. Allan highlights free resources like YouTube for guidance on property acquisition, renting, and financing, advocating a practical, hands-on approach.

BEST MOMENTS

"I still think that property can help you to get rich, but I would never, ever suggest that you go and do property on its own."

"The longer you hold that asset, the more the value will increase."

"You will make mistakes, but you’ll never make them again."

"You need to rent it out. Take that cash flow, reinvest it into another project, into another project, into another project."

"If you started tomorrow, is it gonna make you rich in 2024? That depends on your definition of rich."

ABOUT THE HOST

Allan Harding

I’ve had an amazing career through to setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk

IG: @allanhardingofficial

Facebook: https://www.facebook.com/allan.harding.37

Website - https://allanharding.co.uk

Calendly - https://calendly.com/allanh1

PODCAST DESCRIPTION

Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

Allan is back with another solo episode, this time bringing you his thoughts on annual business cycles. Cycles are so important in business and Allan has especially found that true in the property business. What are those property cycles? What times of year will the property market be slow? And how can you use your time most efficiently during each cycle?

KEY TAKEAWAYS

• One of Allan’s recent property investment purchases took from the offer going in in January, to having to wait until the end of September before he had the keys in his hands. That’s more than nine months of waiting just to get one property. This is why it is so important to have multiple properties on the go at once so you’re not left sitting there waiting for that one deal to complete.
• January, February, and March are the ideal times to get as many viewings as you can in. This is because everybody is done with the slow down that occurs at the end of the year due to Christmas etc. People are getting back up to full speed and there are no major hurdles in the calendar.
• When you were a child at school you had terms in each year, business is a little like that too because there are parts of the year where your customers are going on holiday and so are the people you do business with. The cycle will naturally just slow down around those school holiday periods.
• The peaks and troughs you will see throughout the year would be from late January until just before Easter, then after the Easter double bank holiday until Summer you have a period of productivity. The last window of the year is after summer, so mid September to mid December. That last window of the year is only 12 weeks long.

BEST MOMENTS

‘January is the ideal time to pick up a really great project because it’s been left there since the last year’

‘It’s incredibly important that you know what those peaks a troughs are’

‘Productivity during the summer dips'

‘There’s only about nine months in the year where everything can get done’

ABOUT THE HOST

Allan Harding

I’ve had an amazing career through to setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk

IG: @allanhardingofficial

Facebook: https://www.facebook.com/allan.harding.37

Website - https://allanharding.co.uk

PODCAST DESCRIPTION

Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

With Allan’s property portfolio approaching the 10 million pound mark, this is the perfect time for him to bring you this episode discussing investors. Allan couldn’t have got to that 8 figure sum without the help of good investors and he’s going to share his experiences with you. Remember this is not financial advice, just Allan telling you how he personally likes to work.  

KEY TAKEAWAYS

• Having the conveyancing process drag on can lead to having to re-apply for funding, luckily with Allan’s latest purchase the lender agreed to extend the offer, rather than making him apply for a new one with a higher interest rate. 
• Working with investors allows Allan to buy multiple projects at the same time and also allows him to work on multiple projects at the same time. If you don’t have millions in the bank then this can be a tricky thing to do without investors. 
• By using a mentorship scheme, Allan was able to network with investors and found it easier looking for funding that way rather than approaching lenders. 
• It’s important to be able to work with investors when things go wrong, not just when they’re going well. For example there could be market changes, restrictions on trading, anything like that you need to know how to deal with it. It’s not about getting the money, it’s about understanding the person and their motivations. 
• One of the most important things Allan does when he talks to investors is show them the project. He has a whole folder of photos of what they’re going to do, all the numbers they will need, timescales etc. People want to see what you’ll be doing with their money and know they’re investing in something that has a solid plan. It builds trust. 

BEST MOMENTS

‘It’s always better to have the properties in limited companies’ 

‘There’s always a risk, and without that risk none of us would get where we need to go’ 

‘The number one thing is finding out their motivations for investing’ 

ABOUT THE HOST

Allan Harding

I’ve had an amazing career through setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk

IG: @allanhardingofficial

Facebook: https://www.facebook.com/allan.harding.37

Website - https://allanharding.co.uk

PODCAST DESCRIPTION

Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

Are there opportunities you’ve turned down because you thought you didn’t have the skills, time or finances to do? Allan has been reminiscing about these times in his life and has come to the conclusion that he didn’t turn them down for the factors he initially thought, it was in fact the fear of failure that stopped him. So in this episode Allan will be discussing his thoughts on failure and how you can shift your mindset away from fear and towards taking action.  

KEY TAKEAWAYS

• As you go through business or property portfolio or different projects, you need to allow yourself room to grow and change. Allowing yourself that room for growth is such a huge step in your journey and self reflection is where you will truly learn. 
• Failure isn’t final or permanent, it’s a short term temporary state that you need to understand without taking the failure to heart. It can be challenging and we can get in our heads and let it affect us. We need to reframe and think what we can take from the failure to move forwards. 
• People get overwhelmed by the size of the tasks they set themselves. To make it less daunting you need to learn to break down your tasks into achievable goals and these goals should be broken down further into daily manageable chunks. 
• We all have thoughts that creep into our heads from time to time that don’t benefit us. Don’t talk to yourself in a self deprecating way, because the more we think like that, the more we believe it. We’re too hard on ourselves and need to replace the negativity with our successes. 

BEST MOMENTS
‘You have to break away from the thought of it not being achievable’
‘You need to celebrate the everyday small stuff’
‘Confidence in your own ability allows you to overcome those topics’
‘You’ve got to be able to learn to pick yourself up and start again’

ABOUT THE HOST
Allan Harding
I’ve had an amazing career through to setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD
allan@fxtechnologies.co.uk
IG: @allanhardingofficial
Facebook: https://www.facebook.com/allan.harding.37
Website - https://allanharding.co.uk

PODCAST DESCRIPTION
Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

Ramsay & White is a specialist mortgage brokerage serving the specific finance needs of property investors across the UK and has secured over £500 million in lending. Joel White is one of the founders and joins Allan Harding this week on More Than Just Property to talk about the work he does with Ramsay & White and gives you expert advice not just for property, but for building lasting business relationships. 

KEY TAKEAWAYS

• Ramsay & White is an award-winning firm of specialist property finance advisers based in Cardiff, but covering the whole of the UK.
• The bad advice Joel received when he was just starting out made him want to make sure he only gave good advice and really gave people what they needed. 
• Remember that property is a people business. Word of mouth is better than any other form of marketing. Building long term relationships will pay off more over time than the quick deal that might not be best for both parties. 
• You need to attract and retain better people for your business, by having more arms to your business, then you can give people more opportunities to pursue their passions. 
• Joel is driven by the business and the people he works with. If you think of the business as a ship, it needs steering and someone to point it in the right direction. 
• Joel's biggest piece of advice is being honest with yourself and others. Do things that make sense to you and have a clear plan and explain it to others honestly. 

BEST MOMENTS

‘My main objective was always to give holistic advice to investors' 

‘It shouldn't be about quick wins, it's about setting out what you want to achieve and going on a journey'

‘I'd done 50,000 miles in my car to get those clients' 

‘I'd always empower and push the people and now three of them run their own branches'

‘Discipline is doing the things you don't want to do when you need to do them' 

EPISODE RESOURCES

https://ramsayandwhite.com/

joel.white@ramsayandwhite.com

ABOUT THE GUEST

“Ramsay & White is a specialist mortgage brokerage serving the specific finance needs of property investors across the UK.

Our broad skills, expertise and network of professionals can help a property investor to quickly generate momentum while growing their property portfolio. By understanding the clients true requirements and matching them with the most suitable lenders, we will match our clients with the best product for their specific purpose, in an efficient and timely manner.

As experienced property investors and qualified mortgage advisors, we are confident that we will deliver the highest quality service to our clients in the investor market, from first time landlords to experienced property developers.”

ABOUT THE HOST

Allan Harding

I've had an amazing career through to setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk

IG: @allanh1 https://instagram.com/allanh1

Facebook: https://www.facebook.com/allan.harding.37

Website - https://allanharding.co.uk

PODCAST DESCRIPTION

Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

Olympic swimming Gold medallist and MBE, James Guy joins Allan on the podcast today. He’s here to tell his incredible life story, diversifying into coaching, and why having a competitive outlook from a young age set him up for success. James has achieved at the top level of his field and the advice he has to share can be taken by anyone and implemented in their own lives.

KEY TAKEAWAYS

• At the Rio Olympics in 2016, James won silver in the 4x200m freestyle relay and a further silver in the 4x100m medley relay. He came fourth in the individual 200m freestyle event.
• At the Tokyo Olympics, James swam the second leg in the final of the men's 4 × 200 metre freestyle relay, and won his first Olympic gold in a time of 6:58.58 seconds. He then won a second gold, swimming the butterfly leg in the mixed 4 × 100 metre medley relay, and set a world record time of 3:37.58 seconds.
• James was appointed Member of the Order of the British Empire (MBE) in the 2022 New Year Honours for services to swimming.
• James’ drive to succeed was helped by advice he was given by his father, if you want to be the best in the world then you have to be the best trainer in the world. He never allowed himself to have a bad session or an off day in training, it was always 100% effort as a minimum.
• A great message to any young sports people out there is that your sporting career won’t last forever, so investing time and effort in your education is still vital. James had such a busy workload as a teenager but he had great teachers who he could ask for help and who knew his studying time was limited.

BEST MOMENTS

‘I was so competitive, no matter what I did’

‘Sometimes you have to put your work before your sporting career’

‘You have to put in the miles or you’re not going to get any better’

‘My parents risked a lot for me, but it paid off’

‘Beating Michael Phelps, the best in the world. That was special’

EPISODE RESOURCES

James Guy MBE (@james.g.guy) • Instagram photos and videos

James Guy Performance Coaching

ABOUT THE GUEST

James Guy MBE is an English swimmer known for his expertise in freestyle and butterfly events. He has achieved remarkable success, winning gold medals at the Olympic Games, World Championships, European Championships, and Commonwealth Games.

Notably, Guy gained international recognition by securing two gold medals at the 2015 World Aquatics Championships in the 200-metre freestyle and 4x200-metre freestyle relay. He continued his impressive performance at the 2016 Rio Olympics, earning silver medals in the 4x200m freestyle relay and 4x100m medley relay. He also contributed to Great Britain's victories in the 4x200m freestyle relay at the 2017 World Championships and the 4x100m medley relay at the 2019 World Aquatics Championships.

As a Commonwealth Games and seven-time European champion in various relay events, Guy excels in the 4x100m freestyle, 4x200m freestyle, and butterfly legs of 4x100m medley relays. At the 2020 Summer Olympics held in 2021, he clinched two Olympic titles: the gold medal in the 4x200m freestyle relay and the inaugural mixed medley relay, further cementing his legacy as an outstanding swimmer.

ABOUT THE HOST
Allan Harding

I’ve had an amazing career through to setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk
IG: @allanhardingofficial
Facebook: https://www.facebook.com/allan.harding.37
Website - https://allanharding.co.uk

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

Everybody wants to get rich quickly, but it’s not sustainable to do so. This week on More Than Just Property, Allan will be chatting to you about his reasons for investing, how he thinks investing should be done, who he looks up to, what you can do when you’re starting out, and what his plans are for the future. Think of this as Allans deep dive into his own personal investing strategy. 

KEY TAKEAWAYS

• The biggest problem we have as a society at the moment is that there are fewer people in jobs and with fewer people in jobs, there are fewer people paying tax. We also have people who have learned to make the tax system work for them and with an ageing population there are more people collecting pensions and not contributing anything back to that system. 
• Allan realised early on that he didn’t want to retire at 65 and live off a £600 per month pension for the rest of his life. There is a lot of life to be lived, that’s why he decided to work on his investments. 
• One of the ways you have to invest is through shares in companies. Always do your own research but here in the UK you can find a Stocks and Shares ISA and go from there. The ISA is essentially a tax free wrapper on your dividends. 
• Look into Index Funds who track the entire market so you don’t have to. 
• If you started investing £100 per month in your 20s in an ISA giving around 8% per month, then by the time you’d retire you would actually be a millionaire. 
• According to the 2022 Sunday Times Rich List there are 60 people in the top 250 who have listed property as their main source of income. 
• If you’re going to be a first time property buyer, look into help to buy ISAs. The government will essentially match whatever you save in that ISA towards your first property. That could be thousands of pounds of free money, just for saving. 

BEST MOMENTS

‘How do we build that freedom and get the life we want?’ 

‘There’s never a good time to invest, you just have to start’

‘It was clear to me that property had to be a base of any investment strategy’ 

‘I put £500 in towards that house and still own it today’

ABOUT THE HOST

Allan Harding

I’ve had an amazing career through setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk

IG: @allanh1 https://instagram.com/allanh1

Facebook: https://www.facebook.com/allan.harding.37

Website - https://allanharding.co.uk

PODCAST DESCRIPTION

Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

Aaron is Allan’s business partner and is only 24 years old and is working in property full time. In this episode of More Than Just Property, Allan Harding will be talking to Aaron Dodwell about how and why he dedicated to get involved in property at such a young age and they’ll be chatting about the work they currently do together. If you’re thinking that you’re too young to get into property, then this episode will definitely show you that it’s never too early to start your portfolio.

KEY TAKEAWAYS

• Aaron bought his first property at 19, he did it up and sold it all while on his gap year from university.
• Aaron’s first property only cost around £30,000 and was funded by student loans, profits from a photography business, and some crypto investments.
• Networking is crucial, someone in your network will have someone in their network who knows the answer to the question you have or the problem you need solved.
• Aaron did most of the renovations himself including using YouTube tutorials to help him fix the roof of the property. He did all the renovations including a new kitchen for £8,500.
• For a year of his life working on the house his investment of £39,000 brought in £30,000 of profit after sale.
• Aaron’s biggest piece of advice is that everybody starts somewhere. Don’t be afraid to ask a lot of questions and find out the answers to the questions you need to know. Build a network of supportive people who can lend their expertise.

BEST MOMENTS

‘I wanted to learn every aspect of it so when I threw myself into it I’d be ready’

‘I was the kid selling sweets and pencil cases in school’

‘The best people to learn from are the people who’ve been there and done it’

EPISODE RESOURCES

Aaron Dodwell on Instagram

AaronDodwell@hotmail.com

ABOUT THE HOST

Allan Harding

I’ve had an amazing career through to setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk

IG: @allanh1 https://instagram.com/allanh1

Facebook: https://www.facebook.com/allan.harding.37

Website - https://allanharding.co.uk

PODCAST DESCRIPTION

Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

Discover the secrets of Allan's success as he hits a remarkable £11M value in his property portfolio. Join us on More Than Just Property, where we revisit Allan's insightful interview from The Ramsay & White podcast last year. Learn how he grew his portfolio to £7M at the time and gain invaluable wisdom for your own ventures. Don't miss this opportunity to be inspired!

KEY TAKEAWAYS

• Alan's interest in property investment stemmed from his understanding of government pension deficits and ageing populations, which led him to invest in buy-to-let properties, HMOs, and new build projects, diversifying his portfolio for long-term financial stability.
• Overcoming challenges in property investment requires finding the right people to work with and maintaining open communication. Building a team of trusted advisors, brokers, solicitors, and builders can help investors navigate any difficulties that arise. It's important to work with individuals who share the same goals and values and who can be relied on to provide proactive and timely support.
• Time is a critical factor in any deal, and the longer it drags on, the higher the chances of someone walking away. It is important to understand the urgency of closing deals promptly to avoid losing out on valuable opportunities.
• When venturing into property investment for the first time, it is crucial to take the time to understand your goals and aspirations. Do not rush into buying the first property you come across. Seek advice from experienced investors, do thorough market research, and analyse different investment options before making a decision. This will help you make informed choices and minimise potential mistakes.
• Overanalyzing and getting stuck in analysis paralysis can hinder progress in the property business. While it is important to gather information and assess risks, taking action and making decisions are equally crucial. Trust yourself and your intuition. As long as you have a good understanding of the basics and 51% of the knowledge, it is enough to make informed decisions and move forward.
• Balancing work and personal life can be challenging in the property business. However, with effective organisation and planning, it is possible to create quality time for yourself and your loved ones. Prioritise and allocate time for both work and personal activities to maintain a healthy work-life balance.

BEST MOMENTS
‘It was always just that future thought of when I get to 60, I want to be able to live for another 30-40 years and enjoy what I'm doing’
‘The biggest thing was actually knowing how to do it properly and on scale’
‘Time kills deals’
‘If you've got 51 percent of the knowledge, that's enough for you to make a decision’
‘If I suddenly walked away... what does that look like? Who am I?’

ABOUT THE GUEST
Ramsay & White is an award-winning firm of specialist property finance advisers based in Cardiff, but covering the whole of the UK. With access to market-leading lenders and a broad network of experts, we help property investors and developers find the property finance solution that best fits their requirements. Whether you’re a first-time landlord or experienced investor or developer, we can help you generate momentum to grow your property portfolio.

EPISODE RESOURCES
Ramsay & White
YouTube Channel -  Ramsay & White 
Instagram - https://www.instagram.com/ramsayandwhite/
Website - https://ramsayandwhite.com/
Facebook - https://www.facebook.com/ramsayandwhite

ABOUT THE HOST
Allan Harding
I’ve had an amazing career through setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD
allan@fxtechnologies.co.uk
IG: @allanhardingofficial
Facebook: https://www.facebook.com/allan.harding.37
Website - https://allanharding.co.uk

PODCAST DESCRIPTION
Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

Today Allan is here to talk you through the property-buying process in England. Scotland and Wales have some different rules so in this episode it’s just advice on buying property in England for buy-to-let or renovating and flipping. Listen in as Allan talks you through from finding a property all the way through to completion, he’ll also advise on what to do if you’re stuck in a chain and other issues you may encounter.

KEY TAKEAWAYS

• One of the first things you need to do is understand your mortgage affordability. You will need between 80% and 90% of the property value to come from the mortgage and the rest will be a deposit. If you see a 95% mortgage, this will often have a much worse interest rate. You can use an online mortgage affordability calculator, most will lend around 4 ½ times your income.
• If you’re buying to invest or to let, then you’ll probably need at least 25% of the value of the property as a deposit.
• The first £250,000 in stamp duty is now free and you’d only pay 1% on the next £50,000. If you’re a first-time buyer you probably won’t pay any stamp duty at all. You can find stamp duty calculators online.
• Remember your legal fees could be anywhere from £500 to £2000.
• Check your credit report before you go looking for mortgages, do you have any missed payments that will count against you? If there is something on there that might cause a problem, you need to get it sorted before you apply for a mortgage.
• We all want a deal, some people say you want to get about 25% off for a commercial deal, but Allan disagrees with this. In some situations, he has agreed to pay the full asking price but asked the seller to wait a certain amount of time for payment until planning permission was done. Going too low can annoy a vendor.
• When sending an offer, Allan sends over all the information they’ll need so he’s proving that he’s ready to move forwards straight away. He gives them the proof he has the funds, bank details, his solicitor's details, mortgage decision in principle, all the things they’ll ask for.
• Communication through the process is so important. Don’t be afraid to pester the people you’re paying to do a job, to actually do the job.

BEST MOMENTS

‘In Scotland they have the process nailed down to 28 days, it’s much worse in England’

‘I love looking at houses, the feeling of walking into a new building’

‘What is the purpose for the property you’re buying’

‘You get what you pay for’

ABOUT THE HOST

Allan Harding

I’ve had an amazing career through to setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have. From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk

IG: @allanh1 https://instagram.com/allanh1

Facebook: https://www.facebook.com/allan.harding.37

Website - https://allanharding.co.uk

PODCAST DESCRIPTION

Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

Managing Director and founder of the Hamilton Grace group, Clare Fuller joins Alan on this episode of More Than Just Property. Hamilton Grace offers serviced accommodation in Swindon and Wiltshire and Clare is here to tell you how serviced accommodation works as well as what she’s learned in her 7 years of running the business and what led her to this point in her life journey.

KEY TAKEAWAYS

• Serviced accommodation is like a hotel room but people get to rent out your apartment for a night. It’s fully furnished and cleaned and serviced like a hotel would be.
• At the moment Clare has 12 apartments but at one point had 33. This was partly due to covid and partly because some of the apartments they had weren’t right for them. After things opened back up they redirected back towards where they wanted to be.
• When starting out, Clare would take photos of serviced apartments she liked and take them to letting agents pitching what she wanted to do. Once she had a few she actually had some people approach her to do the same with their apartments.
• The majority of Clare’s clients are contractors but has shifted now towards building contractors.
• The risk of investing in serviced apartments was much less than investing in houses for HMOs.
• Clare has always been the kind of person who does it herself and learns what she needs to do to do the job properly. It’s a spark that may have dimmed at points, but will never go away.
• By being loving towards yourself, it helps you be loving towards someone else.

BEST MOMENTS

‘With Xero it’s just so easy, I can do all that stuff while watching an action film’

‘They told you what to do not how to do it’

‘If you’re going to do a job, do it well’

‘I thought I’d rather live in a caravan for the rest of my life than live the life I’m living right now’

‘I ask how can I love myself today?’

EPISODE RESOURCES

Clare on LinkedIn

ABOUT THE HOST

Allan Harding

I’ve had an amazing career through to setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk

IG: @allanh1 https://instagram.com/allanh1

Facebook: https://www.facebook.com/allan.harding.37

Website - https://allanharding.co.uk

PODCAST DESCRIPTION

Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

Despite teacher's doubts and leaving school at 16, Terry Blackburn now runs eleven businesses, boasts multiple industry awards, and empowers others through coaching. From building sales teams of 100+ to a diverse property portfolio, Terry's journey is an inspiration. Join Allan as we explore Terry’s "Rags To Riches" strategies and learn how he's rewriting the rules of success.

KEY TAKEAWAYS

• Terry Blackburn has diversified his income streams through a range of businesses: insurance and mortgage brokering, financial services, property ventures, HMOs, Airbnb rentals, hotels, restaurants, coffee shops, glamping sites, a construction company, letting agency, and engaging podcasts and books.
• Terry believes that if you want to grow and scale a business then you have to implement good systems and processes with the right people in place to lead teams. Nobody can manage 100 people themselves, you need to delegate the management of people so 1 person is responsible for 10, and those 10 are responsible for another 10 each. 
• Terry’s book ‘Be A Lion’ shows you exactly how he achieved success and the ‘animals’ he learned to avoid along the way. You’ll learn how to think like a lion and make incredible transformations in health, money, relationships, business, and every other area of your life. You’ll also learn how to avoid ‘sloths’, ‘hyenas’ and ‘poachers’ who will drain your energy, waste your time and kill your dreams.
• One of Terry’s most important goals in business is that all staff members will be happy, fulfilled, content, as well as flourishing. It’s a goal you can’t really quantify with so many staff members all with different personalities. The reason he set it is to make himself accountable every morning for how he acts towards staff to give them the best possible environment to work in. 

BEST MOMENTS

‘I’m good at setting things up, building teams and systems, then leveraging myself out’

‘I am one hundred million percent obsessed with self development. It is part of my identity’

‘Business is a better ROI than property’ 

ABOUT THE GUEST 

Terry Blackburn was repeatedly written off by his teachers who told him he’d never achieve anything in life. He left school at 16 without any qualifications. Yet he now runs eleven businesses, has won many multiple industry awards, and is an inspiration to many.

Terry has built sales teams of over 100 people. As well as having an extensive property portfolio, including hotels & glamping sites.

Terry is an advocate for coaching and believes that it has enabled him to reach his full potential. He now wants to help others to achieve the same, using his "Rags To Riches" strategies.

EPISODE RESOURCES 

Terry's Website

Terry on LinkedIn

Terry on Instagram

Books - Be A Lion: Amazon.co.uk: Blackburn, Terry

Terry Blackburn - YouTube

Terry Blackburn Property on Facebook

The Rags to Riches Podcast

ABOUT THE HOST

I’ve had an amazing career through to setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD

allan@fxtechnologies.co.uk

IG: @allanhardingofficial

Facebook: https://www.facebook.com/allan.harding.37

Website - https://allanharding.co.uk

PODCAST DESCRIPTION

Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.

Harv Fairburn is a fitness coach tailored towards business people, helping them live with the energy, purpose, and confidence they want so that they can perform better in their business. Harv joins host Allan Harding to share his story and talk about the pair's fitness journeys and how impactful an active lifestyle can be on your mental health, life, and business goals. 

KEY TAKEAWAYS

• If you are trying to operate your business at a hundred miles per hour you will run yourself into the ground eventually. This is why having the ability to pull back from it all and have that clarity of thought will allow you to see things from a different angle. 
• You will enjoy the fruits of your labour so much more if you are happy in yourself. There’s more to life than just money and if you don’t stop chasing it, then you won’t have the time to actually relax and enjoy a little bit of what you’ve achieved. 
• Fitness is a potent ally against mental health issues. Exercise releases endorphins, easing stress and anxiety. It enhances sleep, boosts self-esteem, and improves cognitive function. Physical activity stimulates serotonin, aiding mood regulation. Group or one on one fitness fosters social connections, reducing isolation. A consistent routine effectively combats depression and anxiety, promoting resilience and overall mental well-being.
• Fitness benefits business professionals by enhancing focus, productivity, and stress management. Regular exercise improves cognitive function, aiding decision-making and problem-solving skills. Increased energy levels and better sleep quality contribute to sustained productivity. Fitness routines provide a healthy outlet for stress, promoting mental resilience. Additionally, exercise fosters discipline and time management, crucial skills for business success.

BEST MOMENTS
‘So many people are just cruising but know they’re capable of more’ 

‘If your body is not at 100% then your business isn’t going to be either’ 

‘There was still something wrong, I was just plastering over it’ 

‘20% of the time is knowing what to do, but 80% of the time it’s about managing yourself’

‘Don’t be scared of change, don’t be scared of finding yourself’’ 

RELEVANT LINKS 
Book an Audit Discovery Call with Harv

Harv Fairburn (@harvfairburn) • Instagram photos and videos

ABOUT THE GUEST 
Harv Fairburn is a fitness coach who helps business owners get in the shape of their life, live with more energy, confidence and fulfilment.

Harv started personal training when he was just 18 and after a few years in the gym realised people weren’t getting or keeping the results they wanted. So Harv went on a mission to look into why where he found exactly what busy men and women need to do in order to get incredible life changing results from the systems that the team have in place.

ABOUT THE HOST
Allan Harding
I’ve had an amazing career through to setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!

CONTACT METHOD
allan@fxtechnologies.co.uk
IG: @allanhardingofficial
Facebook: https://www.facebook.com/allan.harding.37
Website - https://allanharding.co.uk

PODCAST DESCRIPTION
Entrepreneur, Business owner, Property investor and developer, Allan talks to people across the world asking questions that will help you determine your own journey and help. Having built several successful businesses and created a lifestyle to be proud of, Allan has set out on a journey to help as many people as possible achieve their dreams.

Hit me up on Instagram!: https://instagram.com/allanh1

Hosted on Acast. See acast.com/privacy for more information.