Scottish Property Podcast (Nick Ponty and Steven Clark)

In this episode of the Scottish Property Podcast, we sit down with Neil Dymock, founder of Dymock Properties and co-host of the Dundee monthly networking event. Neil shares his expertise on the Dundee property market, discussing its investment potential, unique challenges, and the opportunities for landlords and investors.

Episode Highlights:

• Why Dundee is an Underrated Market:

  • Neil explains why Dundee, with its two universities and expanding economy, is a strong investment choice with high rental demand and affordable entry-level property prices.
  • He discusses the impact of recent developments like the V&A Museum and the anticipated Eden Project, which are set to boost Dundee’s reputation and market potential.

• Property Prices and Rental Yields in Dundee:

  • Current property prices for two-bedroom flats range from £80,000 to £180,000, with rental yields often reaching 10% or higher.
  • Neil emphasises the importance of targeting a 10% yield in Dundee to ensure profitable investments, particularly in unfactored properties where maintenance costs can be higher.

• Challenges in Dundee’s Property Market:

  • Neil addresses the risks associated with unfactored tenement buildings in Dundee, where maintenance on older properties can be costly.
  • The discussion touches on the need for responsible property management, especially in buildings without factoring arrangements, as they may face costly repairs over time.

• The Role of Networking and Local Knowledge:

  • As co-host of the Dundee networking event, Neil underscores the importance of connecting with local experts and investors.

• Navigating Local Housing Allowance (LHA) Rates and Rent Affordability:

  • Neil explains how Dundee’s LHA rates impact tenants' ability to afford average rents, particularly in light of rising rental costs.
  • He outlines the gap between current LHA rates and actual market rents, which often leaves tenants on benefits struggling to secure adequate housing.

• Tips for New Investors:

  • Neil offers advice for aspiring landlords and investors, such as using social media for market positioning, providing valuable content, and networking to build trust and visibility.
  • He also encourages investors to be mindful of property compliance, ensuring long-term rental stability by maintaining property standards and up-to-date legal requirements.

Tune in to this episode for a comprehensive guide on Dundee’s property market from an experienced local investor. Whether you're a new investor or a seasoned landlord, Neil’s insights offer practical guidance on navigating one of Scotland’s most promising property markets.

Follow Dymock Properties:

Website: https://dymockproperties.com/

Instagram: www.instagram.com/dymockproperties/

--------------------------------------------------------- Prime Property Auction: www.instagram.com/primepropertyauctions/

John: www.instagram.com/john_property_auctioneer/

Luis: www.instagram.com/luis_property_auctioneer/

Visit Prime Property Auction website: https://primepropertyauctions.co.uk/

------------------------------------

Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode of the Scottish Property Podcast, Emma Ross joins us to share her journey from working in the corporate banking sector to establishing her own commercial finance business. With over a decade of experience, Emma dives into the world of creative property financing, discussing how tailored solutions can unlock opportunities for investors. Whether you're a seasoned property developer or just starting, this episode provides invaluable insights into the often-complex world of property finance.

Episode Highlights:

• Emma’s Background and Journey:

  • From her early career at HSBC to managing Scotland and Northern Ireland for a master brokerage.
  • The decision to launch Ross Commercial Finance and prioritise values-driven business practices.

• Creative Financing Solutions:

  • Leveraging tools like title splits, grants, and background assets to secure 100% funding.
  • How commercial valuations differ from residential and why understanding these nuances is crucial.
  • Real-life examples of unique deals, including high-value commercial assets and liquidator sales.

• Commercial Property Trends:

  • Increasing interest in commercial property investments due to government legislation and tighter residential regulations.
  • The rise of semi-commercial properties and creative funding strategies for unique assets.

• Key Tips for Investors:

  • The importance of understanding lender requirements and valuation types.
  • How to manage risk, negotiate better terms, and identify opportunities in challenging markets.
  • The value of building strong relationships with brokers and lenders to maximise your financing options.

Emma Ross’s approach to creative property financing proves that knowledge and strategy are key to unlocking potential in the market. Whether you’re exploring commercial property, semi-commercial assets, or innovative funding options, this episode offers practical advice to elevate your property journey.

Follow Emma Ross on Instagram: www.instagram.com/emma_ross_commercial_finance ------------------------------------------------------------

Prime Property Auctions – Sell your property with no upfront costs and control the reserve price.

Prime Property Auction:

www.instagram.com/primepropertyauctions/

John: www.instagram.com/john_property_auctioneer/

Luis: www.instagram.com/luis_property_auctioneer/

Visit Prime Property Auction website: https://primepropertyauctions.co.uk/

----------------------------------------------

#scottishpropertypodcast #propertyinvestment #realestate #creativefinancing #commercialproperty #semicommercial #fundingstrategies #scottishhousing #investmenttips #newpodcastepisode

In this episode of the Scottish Property Podcast, we welcome back Davy Hutton, an experienced property developer and entrepreneur, to discuss the latest trends in the property market, political developments, and their implications for landlords, investors, and tenants. From Scotland’s rental market shifts to national economic policies, Davy provides a sharp, unfiltered perspective on the challenges and opportunities shaping the industry.

Episode Highlights:

• Labour’s First Budget and Its Impact on Property:

  • Discussion on how the budget is affecting small and medium-sized businesses, particularly through increased National Insurance contributions and rising wages.
  • Why businesses need to adapt to survive in this shifting economic climate.

• Property Market Trends in 2023:

  • Surprising regional rent fluctuations: Glasgow shows rent corrections, while Aberdeen leads with a 4.4% increase in rental growth.
  • How interest rate changes are affecting landlords and tenants differently depending on mortgage types.

• The Reality of Rent Controls:

  • Insights into Scotland’s proposed rent caps, allowing local councils to limit rent increases to CPI + 1% (capped at 6%).
  • The potential impact on private landlords and the housing supply crisis.

• Built-to-Rent Developments Stalling in Scotland:

  • Analysis of why large-scale institutional investors are pulling out of Scotland due to rent control policies.
  • What this means for the £2 billion in stalled housing projects and the wider economic impact.

• Challenges Facing Landlords and Tenants:

  • The widening gap between property values and earnings, making homeownership increasingly unattainable for many.
  • The role of private landlords in providing housing for tenants who can’t access social housing.

• Lessons from Real-Life Property Scenarios:

  • David shares personal stories of buying, refurbishing, and renting out properties, highlighting the importance of honesty, reputation, and transparency in deals.
  • The growing appeal of assisted sales strategies and their ethical implications.

Davy Hutton’s insights highlight the challenges and opportunities facing Scotland’s property market in the wake of political and economic shifts. From rent controls to stalled developments, it’s clear that adapting to these changes is crucial for landlords, investors, and developers.

In this inspiring episode of the Scottish Property Podcast, we sit down with Peter Toye, an entrepreneur who scaled his property portfolio to an impressive 24 properties in just one year.

Peter shares his journey from running multiple businesses to venturing into property investment, offering valuable insights on building a portfolio, managing challenges, and leveraging trading profits for long-term growth.

Episode Highlights:

• Peter’s Entrepreneurial Journey:

  • Starting his first business at 14 years old.
  • Launching ventures like a car wash company, a print business, and an online competition platform.
  • Learning resilience and adaptability through business ups and downs.

  
  

• Transition to Property Investment:

  • The impact of a health scare that motivated Peter to create financial security.
  • How trading profits from his businesses funded his property ventures.
  • A focus on capital appreciation and long-term wealth building.

  
  

• Key Property Strategies:

  • Diversifying across locations like Edinburgh, Aberdeen, and Stirling.
  • Leveraging tools like bridging loans and refinancing to scale quickly.
  • Incorporating HMOs and portfolio acquisitions for higher cash flow.

  
  

• Lessons Learned:

  • Importance of building a reliable team and strong relationships with brokers, lenders, and agents.
  • Managing risks and staying focused despite the lure of “shiny penny” deals.
  • Balancing cash flow and appreciation to create a robust portfolio.

  
  

• Advice for Aspiring Investors:

  • "Learn business first—property is a natural extension."
  • Take calculated risks, educate yourself, and build resilience.
  • Surround yourself with a supportive network and experienced mentors.

Peter Toye’s journey is a testament to the power of hard work, smart investing, and staying focused on long-term goals. Whether you’re starting your first property deal or scaling your portfolio, this episode is packed with actionable advice and inspiration to help you succeed in the ever-changing property market.

Follow Peter Toye and The Giveaway Guys: Website: www.thegiveawayguys.co.uk LinkedIn: linkedin.com/in/peter-toye-8b813b15 Instagram: www.instagram.com/toye_property Facebook: www.facebook.com/ptoye

---------------------------------------------------------------------

Prime Property Auctions – Sell your property with no upfront costs and control the reserve price.

Prime Property Auction: www.instagram.com/primepropertyauctions/

John: www.instagram.com/john_property_auctioneer/

Luis: www.instagram.com/luis_property_auctioneer/ Visit Prime Property Auction website:

https://primepropertyauctions.co.uk/

----------------------------------------------

#scottishpropertypodcast #propertyinvestment #realestate #entrepreneurship #portfolio #bridgingloans #capitalappreciation #investmenttips #propertyjourney #newpodcastepisode

In this episode of the Scottish Property Podcast, Steven and Nick sit down with Rory Boyd, a driven property investor who has successfully scaled a 12-property portfolio while balancing a demanding career in the motor industry and family life. Rory shares his journey from buying his first property to setting ambitious goals for 2025, offering practical advice and insights into building a sustainable property business.

Episode Highlights:

• Getting Started in Property:

  • How Rory transitioned from car sales to property investing.
  • Leveraging sourcing agents to secure his first few deals.

• Scaling the Portfolio:

  • Managing 12 properties and aiming for 25 by the end of 2025.
  • The role of refinancing and cash flow in scaling efficiently.

• Lessons Learned Along the Way:

  • Why Rory moved from outsourcing refurbishments to managing them directly.
  • The importance of building relationships with agents, tradespeople, and the property community.

• Balancing Property and Career:

  • Strategies for managing time between a full-time job, family, and property investing.
  • How networking events have played a key role in Rory’s success.

Rory Boyd’s story is proof that with determination, strategic planning, and hard work, you can build a thriving property portfolio while juggling a career and family. Tune in for inspiration and practical advice to help you on your property journey.

----------------------------------------------------------

Prime Property Auctions – Sell your property with no upfront costs and control the reserve price.

Prime Property Auction: www.instagram.com/primepropertyauctions/

John: www.instagram.com/john_property_auctioneer/

Luis: www.instagram.com/luis_property_auctioneer/ Visit Prime Property Auction website: https://primepropertyauctions.co.uk/

------------------------------------

Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode of the Scottish Property Podcast, we sit down with Labour MSP Mark Griffin, Shadow Minister for Housing and Local Government, to discuss Scotland's ongoing housing crisis.

Mark dives into the key issues plaguing the sector, including the shortage of affordable homes, the growing number of children in temporary accommodation, and the challenges facing the housing market after the 2008 financial crash. He shares his views on how to accelerate housebuilding, tackle land banking, and improve the planning system to meet Scotland's growing housing demands.

Episode Highlights:

• Scotland's Housing Crisis:

  • Over 10,000 children are currently living in temporary accommodation, a figure Mark calls "absolutely appalling."
  • The root cause of the housing emergency is a 20-year shortfall in housing completions, with the market never fully recovering after the 2008 financial crisis.

• Need for More Homes:

  • Mark stresses that the solution to the crisis is straightforward: build more homes across all tenures (private, social, and affordable).
  • He highlights that Scotland needs approximately 700,000 new homes to meet current demand, according to research by Homes for Scotland.

• Affordable Housing and Government Investment:

  • While the Scottish Government has built more social housing than the rest of the UK, Mark argues that it's not enough. He believes that more investment is needed across all housing sectors to address the broader crisis.
  • He criticizes recent cuts to the affordable housing supply budget, which have prevented social landlords from fulfilling their affordable housing commitments.

• Planning System and Land Availability:

  • Mark advocates for an overhaul of Scotland's planning system, which he says is under-resourced and bogged down in bureaucracy. He suggests increasing the scope of permitted development to speed up the process.
  • He also discusses the issue of land banking by developers, calling for reforms to ensure more land is released for housing.

• Incentives for Renovating Empty Homes:

  • Mark introduces the idea of a "£1 home" scheme, where first-time buyers can purchase an empty property for £1, provided they commit to renovating it. He also proposes loan financing to support renovations.

• Short-Term Lets Legislation:

  • Mark discusses the controversial short-term lets legislation, which he feels is a "blanket approach" affecting areas that don’t need it. He believes the focus should be on localised issues, rather than imposing regulations across all of Scotland.

Tune in to hear Mark Griffin's take on how Scotland can overcome its housing crisis, the future of government policy, and what changes we need to see in the planning and rental sectors.

----------------------------------

Follow Prime Property Auction on Instagram:

Prime Property Auction: https://www.instagram.com/primepropertyauctions/

John: https://www.instagram.com/john_property_auctioneer/

Luis: https://www.instagram.com/luis_property_auctioneer/

Visit Prime Property Auction website: https://primepropertyauctions.co.uk/

------------------------------------ Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode of the Scottish Property Podcast, we welcome back Michael Maloco for the September market update. Michael, a seasoned property consultant, offers valuable insights into the current trends shaping Scotland’s property market. From mortgage rates to house prices and rental demand, this episode covers the latest news and analysis for investors, homeowners, and property professionals alike.

Episode Highlights:

• Bank of England and Mortgage Rates:

  • The Bank of England has kept the base rate steady at 5%. However, there is a prediction of gradual rate drops, with future rates expected to settle around 3.5%.
  • Lenders are starting to offer competitive mortgage rates under 4%, and there is a noticeable battle among lenders in the market.

• House Prices:

  • Scotland’s house prices have risen by 6% year-on-year, with Aberdeen being the only area seeing a decline.
  • While the property market shows strong growth, larger detached homes are slower to sell compared to smaller properties, particularly in areas like Dunfermline.

• Rental Market:

  • Rental inflation has slowed to 5.4%, the lowest in three years, though demand remains high.
  • Fewer rental properties are available compared to pre-pandemic levels, and landlords are slowly exiting the market due to potential tax changes.
  • Rents are predicted to rise further in 2024 and 2025 due to limited supply.

• Impact of Government Policies:

  • The episode discusses the effects of rent caps and other government measures on the rental and buy-to-let markets, with a focus on how these policies are driving landlords away from the sector.
  • Developers in Edinburgh are shifting from building homes to student flats due to legislative challenges in the private rental sector.

• Aberdeen Market:

  • While Aberdeen continues to experience lower property prices due to the oil market downturn, it presents opportunities for investors seeking long-term capital growth.

• Global and Political Influences:

  • Global factors like the geopolitical situation and potential changes in the UK government are seen as potential influencers on the property market’s direction.
  • The upcoming UK budget may also impact the market, with possible tax adjustments on the horizon.

Tune in to hear expert analysis from Michael Maloco and stay informed on the latest developments in Scotland's property market!

---------------------------------- Follow Prime Property Auction on Instagram: Prime Property Auction: https://www.instagram.com/primepropertyauctions/ John: https://www.instagram.com/john_property_auctioneer/ Luis: https://www.instagram.com/luis_property_auctioneer/ Visit Prime Property Auction website: https://primepropertyauctions.co.uk/ ------------------------------------ Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode of the Scottish Property Podcast, we’re joined by two seasoned property professionals, John Morris and John Cox. Together, they share candid insights into the highs and lows of building and scaling their respective businesses, managing teams, navigating market challenges, and finding balance between personal and professional life. Whether you're a property investor, developer, or entrepreneur, this episode is filled with practical advice and real-world stories to inspire your journey.

Episode Highlights:

• Starting and Scaling Property Businesses:

  • John Morris shares how Prime Property Auctions scaled aggressively from a two-person attic operation to a 15-strong team in a city-centre office.
  • John Cox discusses Cox and Co’s evolution into a multi-service property business, offering lettings, estate agency, mortgages, and investment services.

  
  

• Building Effective Teams:

  • Strategies for recruiting, retaining, and motivating staff, including commission structures and fostering collaboration.
  • How autonomy and a supportive team culture drive better results in the workplace.

  
  

• Balancing Work and Life:

  • Both guests reflect on the challenges of maintaining work-life balance while running growing businesses.
  • The importance of setting boundaries, such as avoiding work calls on weekends and prioritising family moments.

  
  

• Navigating the Scottish Property Market:

  • The impact of economic conditions, interest rates, and buyer behaviour on property sales and auctions.
  • Why some properties remain unsold and the strategies used to overcome these challenges.

  
  

• Marketing and Networking:

  • The importance of leveraging social media and organic content to build brand presence.
  • How networking events and creating a personal brand contribute to long-term success.

  
  

• Key Advice for Aspiring Entrepreneurs:

  • John Morris emphasises the importance of reinvesting in your business for growth.
  • John Cox highlights the value of building trust and relationships over time for sustainable success.

  
  

This episode offers an honest and inspiring look at the journey of scaling property businesses, with valuable lessons on teamwork, work-life balance, and navigating market challenges. Whether you’re just starting out or looking to grow your operations, the insights from John Morris and John Cox will help you make smarter decisions and build a sustainable business. Don’t miss this episode packed with practical tips and real-world experience! Follow John Cox and Cox & Co: www.linkedin.com/in/john-cox-coxandco-scotland/ www.instagram.com/coxandcoscotland www.tiktok.com/@coxandco www.facebook.com/CoxandCoScotland Follow John Morris: www.instagram.com/john_property_auctioneer www.tiktok.com/@john_property_auctioneer -------------------------------------------------------------- Prime Property Auction: www.instagram.com/primepropertyauctions/ John: www.instagram.com/john_property_auctioneer/ Luis: www.instagram.com/luis_property_auctioneer/ Visit Prime Property Auction website: https://primepropertyauctions.co.uk/ ------------------------------------ #scottishpropertypodcast #propertyinvestment #realestate #propertybusiness #businessgrowth #teammanagement #worklifebalance #propertyauctions #entrepreneurship #networkingevents #scottishhousing

In this episode, Steven and Nick go solo to break down the biggest social media mistakes in the property industry. From misleading marketing tactics to fake recommendations, they expose what NOT to do when building your brand online. If you're using social media to grow your property business, this episode is a must-listen!

• Common Social Media Mistakes in Property:

  • Over-the-top self-promotion that turns people off.
  • Fake testimonials and why they damage credibility.
  • Posting only success stories and hiding failures.

• The “Get Rich Quick” Hype:

  • Why “no money down” strategies aren’t as easy as they seem.
  • How misleading ads create unrealistic expectations.
  • The importance of transparency in property investing.

• How to Use Social Media the Right Way:

  • The key to building trust and engagement with your audience.
  • How to provide real value instead of just selling.
  • Why authenticity wins over flashy content.

Social media is a powerful tool for property investors, but it’s easy to get it wrong. Steven and Nick’s insights will help you avoid common pitfalls and make the most of your online presence. Whether you're just starting out or scaling your brand, this episode is packed with actionable advice!

----------------------------------------------------------

Prime Property Auctions – Sell your property with no upfront costs and control the reserve price.

Prime Property Auction: www.instagram.com/primepropertyauctions/

John: www.instagram.com/john_property_auctioneer/

Luis: www.instagram.com/luis_property_auctioneer/Visit Prime Property Auction website: https://primepropertyauctions.co.uk/

------------------------------------

Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode, we sit down with Ajmal Mushtaq, the founder of Boss Pizza. Ajmal shares his remarkable journey from a law career to creating a successful pizza business. With insights on entrepreneurship, personal branding, and property investment, this episode is packed with valuable advice and inspiration for anyone in the property or business world.

Journey to Success:

• Education and Career:

• Studied law and worked at Accenture in London for 10 years.

• Took over his father's restaurant, transforming it into the largest takeaway operation in Britain within five years.

TikTok and Personal Branding:

• TikTok Influence:

• Gained significant following by delivering concise business content.

• Prefers TikTok’s quick content delivery over longer YouTube videos.

Business Philosophy and Martial Arts Influence:

• Martial Arts Background:

• European Champion in Taekwondo.

• Attributes drive and discipline to his martial arts training.

• Emphasizes continuous self-improvement.

Building Boss Pizza:

• Starting Boss Pizza:

• Launched during COVID-19 and quickly gained popularity.

• Competes with Domino's by offering quality pizzas at competitive prices.

• Franchising and Expansion:

• Currently operates four stores with plans for 20 within the next year and 300 in five years.

• Stresses the importance of stringent franchise agreements.

Scaling and Systems:

• Systems and Processes:

• Highlights the necessity of robust systems before scaling.

• Spent three years building a strong foundation for Boss Pizza.

• Employee Management:

• Pays employees well and offers career progression.

• Outsources non-core functions like accounting and legal work.

Property Investments:

• Portfolio:

• Mixed portfolio of residential and commercial properties.

• Prefers commercial properties due to fewer regulations.

• Focuses on strategic long-term investments.

Final Thoughts and Advice:

• Advice to Young Entrepreneurs:

• Gain corporate experience before starting a business.

• Importance of patience, continuous learning, and strategic planning.

Follow Ajmal on social media:

Instagram: instagram.com/ajmal_mushtaq/?hl=en

TikTok: tiktok.com/@ajmalmushtaq

-------------------------------------------------------------

Prime Property Auction: ⁠https://www.instagram.com/primepropertyauctions⁠

John: ⁠https://www.instagram.com/john_property_auctioneer⁠

Luis: ⁠https://www.instagram.com/luis_property_auctioneer⁠

Visit Prime Property Auction website: ⁠https://primepropertyauctions.co.uk/⁠ 

🔗⁠⁠⁠ Subscribe and watch episodes on our YouTube channel⁠⁠⁠

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠ Book your place at the networking events here⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠Join our private Facebook group ⁠⁠⁠

🔗 ⁠⁠⁠Follow us on Instagram ⁠⁠⁠

📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode of the Scottish Property Podcast, we chat with Lindsay Yuill, founder of Rent Locally, to explore her incredible journey from working in social care to becoming a successful letting agent and property investor.

Episode Highlights:

• Lindsay's Career Journey:

  • Lindsay shares how she "fell into property by accident" after a career in social care.
  • She reflects on founding Rent Locally in 2008 during the financial crash and how this challenging period helped shape her business acumen.

• Building and Scaling Rent Locally:

  • Lindsay discusses the early challenges of running a letting agency and how networking played a crucial role in growing the business.
  • Rent Locally now manages over 2,200 properties, covering Central Scotland and areas like Fort William and Oban.
  • The agency has expanded into estate agency services, focusing on off-market and landlord-to-landlord property sales.

• Insights on Property Investment:

  • Lindsay talks about managing her own buy-to-let portfolio, highlighting the importance of strategic purchases and flexible exit strategies.
  • She emphasises the benefits of holding larger family homes for long-term tenants and cautions against being overly leveraged in the current market climate.

• Challenges in the Rental Market:

  • The episode explores the shift in the landlord landscape, with smaller landlords exiting the market and professional investors stepping in.
  • Lindsay addresses the challenges posed by legislation, including lead pipe testing, increased compliance costs, and the impact of potential capital gains tax changes.

• The Importance of Systemisation:

  • Lindsay explains how building automated systems has been crucial for scaling operations, saving time, and ensuring compliance.
  • Her agency uses custom-built software to streamline processes like rent payments and maintenance management.

• Advice for Aspiring Letting Agents and Investors:

  • Lindsay offers valuable tips for those looking to start a letting agency, emphasising the importance of understanding the market, building strong networks, and being adaptable to change.
  • She discusses the human element of property management, sharing the importance of balancing business goals with ethical considerations when working with tenants.

Tune in to this insightful episode for a deep dive into Lindsay Yuill’s career, expert advice on property management, and practical tips for navigating Scotland’s evolving rental market.

Follow Lindsay Yuill and Rent Locally:

Website: https://rentlocally.co.uk/

Instagram: www.instagram.com/rentlocally_ltd

----------------------------------------------------------

Prime Property Auctions – Sell your property with no upfront costs and control the reserve price.

Prime Property Auction: www.instagram.com/primepropertyauctions/

John: www.instagram.com/john_property_auctioneer/

Luis: www.instagram.com/luis_property_auctioneer/

Visit Prime Property Auction website: https://primepropertyauctions.co.uk/

------------------------------------

Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode of the podcast, we are joined by Willie Rennie, MSP for North East Fife, to discuss the ongoing housing crisis in Scotland. With a severe shortage of affordable homes, especially in areas like St. Andrews, many people are struggling to find suitable accommodation.

The conversation covers the key challenges contributing to the crisis, including planning issues, the impact of short-term lets, and the difficulties faced by those with disabilities in securing adequate housing. Willie Rennie shares his insights on what can be done to address these issues, offering practical solutions and highlighting the need for both government and private sector involvement in building more homes.

• Housing Crisis in Scotland:

  • A severe shortage of affordable housing is affecting many parts of Scotland, particularly in high-demand areas like St. Andrews.
  • The increased demand for both rental properties and homes for purchase has left many people, including those on housing lists, struggling to find suitable accommodation.

• Challenges in the Housing Market:

  • Factors such as inadequate planning, economic recessions, and the complexities of building homes to modern standards are contributing to the crisis.
  • The conversation highlights the particular difficulties faced by people with disabilities in obtaining suitable housing.

• Impact of Short-Term Lets and Second Homes:

  • Short-term lets and second homes are exacerbating the housing crisis in local communities, making it harder for residents to find affordable housing.
  • Willy Rennie supports control areas to cap the number of short-term lets but criticizes the Scottish Government's licensing system as overly burdensome.

• Proposed Solutions:

  • Rennie suggests a rural housing bond to encourage landowners to develop properties for local people rather than for short-term lets or second homes.
  • The discussion also covers the need for a more efficient planning system, with Rennie advocating for speeding up the planning process to increase the supply of housing.

• Government Policy and the Housing Market:

  • The hosts express frustration with the Scottish Government's approach, particularly the rent cap legislation, which they argue has discouraged investment and led to higher rents.
  • Rennie and the hosts agree on the importance of partnership between the government and private landlords and investors to tackle the housing crisis.

• Call to Action:

  • Building more homes is essential to addressing the housing crisis, but this requires a collaborative effort between the government and the private sector, as well as a more streamlined and responsive planning system.

Tune in to this insightful episode as we explore the pressing issues behind Scotland's housing crisis and discuss potential solutions with Willy Rennie, MSP.

---------------------------------- Follow Prime Property Auction on Instagram: Prime Property Auction: https://www.instagram.com/primepropertyauctions/ John: https://www.instagram.com/john_property_auctioneer/ Luis: https://www.instagram.com/luis_property_auctioneer/ Visit Prime Property Auction website: https://primepropertyauctions.co.uk/ ------------------------------------

Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode, hosts Stephen Clark and Nick Ponty are joined by Ricardo Giovanacci from Rosevale Lettings to discuss the latest news and events in the Scottish property market. They delve into the current challenges and opportunities, including rising rents, housing shortages, and government policies.

Key Topics Discussed:

1. UK Inflation and Mortgage Rates

   • UK inflation rate has dropped to 2.3%, approaching the Bank of England's target of 2%.
   • The Bank of England's base rate remains steady at 5.25%.
   • Potential for mortgage rate cuts in the near future, contingent on economic and political developments.

2. Scottish Government's Housing Emergency

   • The Scottish Government has declared a housing emergency due to escalating rents and housing shortages.
   • Measures to address the crisis include building more affordable homes and managing rental market pressures.

3. Rental Market Trends

   • Rising rents and housing shortages are major issues.
   • Increased demand for rental properties, with many tenants struggling to find suitable accommodation.
   • Landlords are facing challenges due to new regulations and rent controls.

4. Investment Opportunities and Challenges

   • Property investors need to adapt to evolving market conditions and regulations.
   • Long-term investments in property remain viable despite current challenges.
   • Portfolio landlords are adjusting strategies, such as reducing loan-to-value ratios to manage risk.

5. Build-to-Rent Developments

   • Large-scale build-to-rent projects are part of the solution to the housing crisis.
   • Political and legislative changes are influencing investment decisions in this sector.
   • Some developers are hesitant to invest in Scotland due to rent controls and regulatory uncertainty.

6. General Election and Political Landscape

   • The upcoming general election could significantly impact the property market.
   • Political parties' policies on housing and taxation will be closely watched by investors and stakeholders.

7. Short-Term Letting Regulations

   • New regulations on short-term lets are causing disruptions, especially in Edinburgh.
   • A black market for short-term lets is emerging due to stringent licensing requirements.
   • The impact on tourism and local economies is a growing concern.

Visit Rosevale Lettings and follow them in Facebook, Instagram, and LinkedIn.

🔗⁠ Subscribe and watch episodes on our YouTube channel⁠

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠ Book your place at the networking events here⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠Join our private Facebook group ⁠

🔗 ⁠Follow us on Instagram ⁠

📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode of the, Steven and Nick sit down with Giuseppe Paladini, a former university lecturer who made the leap into property investing and entrepreneurship. From studying fish pathology in Italy to building a 23-property portfolio and launching multiple businesses in Scotland, Giuseppe shares his incredible journey and the strategies that helped him scale.

• From Academia to Property:

  • How Giuseppe transitioned from university research to property investing.
  • The moment he realised property could give him financial freedom.

• Scaling the Portfolio:

  • How he started with Airbnb and usedequity release to fund his first deals.
  • The role ofBuy, Refurbish, Refinance (BRR) in expanding his portfolio.
  • Why he diversified intorent-to-rent and serviced accommodation.

• Funding & Finance Strategies:

  • Raising over£200,000 in private investor finance to scale his business.
  • The importance ofnetworking and mindset in securing funding.

• Business Growth & Diversification:

  • HowCOVID-19 forced him to rethink his property strategies.
  • Moving intoproperty education and launching an estate agency.
  • Balancing multiple income streams while maintaining a passion for teaching.

Giuseppe Paladini’s journey from academia to full-time property entrepreneur is a testament to the power of education, networking, and action. Whether you’re just starting out or looking to scale, this episode is packed with insights to help you on your property journey.

Follow Giuseppe Palidini onYouTube.

----------------------------------------------------------

Prime Property Auctions – Sell your property with no upfront costs and control the reserve price.

Prime Property Auction: www.instagram.com/primepropertyauctions/

John: www.instagram.com/john_property_auctioneer/

Luis: www.instagram.com/luis_property_auctioneer/Visit Prime Property Auction website: https://primepropertyauctions.co.uk/

------------------------------------

Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

Join us in this engaging episode with Scott Dunsmore as he shares his invaluable experiences and lessons learned in the property investment world. Whether you're a seasoned investor or just starting, there's something for everyone in this episode.

First Property Investments:

• Initial Investments: Scott discusses his first buy-to-let properties, the challenges with troublesome tenants, and low-value properties.
• Learning Curve: He explains how he learned from these experiences and adjusted his investment strategies over time.

Commercial Property and New Builds:

• Transition to Commercial: Scott details his shift into commercial property investment.
• New Build Project: He talks about the challenges and successes of a new build project, particularly during the COVID-19 pandemic.

Business Challenges and Shifts:

• Family Business: Scott shares the struggles with his dad's door company, including losing a major contract.
• Capital Reallocation: He discusses winding down the business and using the capital to fund his property investments.

Current Portfolio and Strategies:

• Current Holdings: A mix of residential and commercial properties.
• Recent Acquisitions: Scott highlights recent property acquisitions and his focus on sourcing and scaling his business.

Personal Growth and Future Plans:

• Personal Development: Scott reflects on his personal growth through his property journey.
• Importance of Education: He emphasizes the value of continuous learning and networking.
• Future Plans: Exploring commercial property courses and further scaling his property business.

Challenges and Reality of Property Investment:

• Realities of Investment: The discussion covers the hard work and challenges inherent in property investment.
• Resilience: Scott stresses the importance of resilience and adaptability in overcoming setbacks.

Follow Scott Dunsmore on Instagram: https://www.instagram.com/scottdunsmoreproperty__

------------------------------------------------------------

Prime Property Auction: www.instagram.com/primepropertyauctions

John: www.instagram.com/john_property_auctioneer

Luis: www.instagram.com/luis_property_auctioneer

Visit Prime Property Auction website: https://primepropertyauctions.co.uk/

🔗⁠⁠⁠⁠⁠⁠⁠ Subscribe and watch episodes on our YouTube channel⁠⁠⁠⁠⁠⁠⁠

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠

🔗 ⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠

📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode, hosts Steven Clark and Nick Ponty are joined by Davy Hutton to discuss the latest market updates for August 2024. They cover a range of topics affecting the Scottish property market, including inflation, economic outlook, property market dynamics, planning system inefficiencies, and the impact of government policies.

UK Inflation and Taylor Swift Effect:

• UK inflation stayed at 2% in June, partly attributed to Taylor Swift's tour increasing demand and prices in local services, particularly hotels.
• The Bank of England's base rate is 5.25%. Despite expectations for a cut, the "Taylor Swift effect" and other factors create uncertainty.

Economic Outlook and Government Stability:

• Discussion on the fragility of the economy and potential for a positive shift post-election with Keir Starmer's leadership.
• Reflection on the previous government's impact and optimism with the new administration.

Property Market Dynamics:

• Landlords are selling properties, affecting the rental market as they are not being bought by other landlords.
• House prices and rents are rising due to inflation and market demand, with regional variations noted.
• Areas like the West End of Glasgow are performing well due to lower mortgage levels and high cash transactions.

Planning System and Government Intervention:

• Inefficiencies in the planning system and the need for reform are discussed.
• Importance of competent and trustworthy government intervention is emphasized.

Buy-to-Let Mortgages and Investment Strategies:

• The number of new buy-to-let mortgages has halved, with fewer landlords entering the market.
• Larger companies and cash buyers remain active, impacting the market differently.
• Debate on the benefits of investment properties and effective debt management.

Affordability and Rental Market:

• Home affordability in Scotland has decreased, with the average home now costing 5.2 times the typical salary, up from 3.8 times in 2003.
• Despite rising rents, affordability remains a challenge. The balance between protecting tenants and not over-regulating landlords is discussed.

Airbnb and Short-Term Rentals:

• Potential impact of banning Airbnb in Edinburgh is debated, considering the balance between tourism benefits and housing availability for residents.
• The impact of the internet on the reach and influence of short-term rentals on local communities is discussed.

----------------------------------

Follow Prime Property Auction on Instagram: Prime Property Auction: https://www.instagram.com/primepropertyauctions/ John: https://www.instagram.com/john_property_auctioneer/ Luis: https://www.instagram.com/luis_property_auctioneer/ Visit Prime Property Auction website: https://primepropertyauctions.co.uk/

------------------------------------

Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠

🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠

📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this special episode of the Scottish Property Podcast, Steven and Nick take the mic to review the key events and trends that shaped the Scottish property market in 2024. They also share their bold predictions for 2025, offering actionable advice to help investors navigate the year ahead. From the 8% ADS hike to emerging market opportunities, this episode is packed with insights for seasoned investors and newcomers alike.

Episode Highlights:

• 2024 in Review:

  • Key trends and surprises in the Scottish property market.
  • The impact of the ADS increase to 8% and how it has affected investors.
  • Sub-£40k properties and multiple dwellings relief—why they’ve gained attention.

• Predictions for 2025:

  • Steven and Nick’s outlook on property prices and demand.
  • Which areas in Scotland are poised for growth.
  • How changing regulations could impact investments and strategies.

• Goal Setting for 2025:

  • Reflections on personal and professional goals from 2024.
  • Tips for setting achievable property investment goals in 2025.

• Networking and Community:

  • Why attending property events is critical for growth.
  • Sneak peek at upcoming projects, including an exciting Dubai trip for the podcast.

As we wrap up 2024 and prepare for 2025, Steven and Nick provide a thoughtful look back at the year and share insights to help investors succeed in the year ahead. From market trends to goal setting, this episode is a must-listen for anyone involved in property investing.

-------------------------------------------------------------------

Prime Property Auctions – Sell your property with no upfront costs and control the reserve price.

Prime Property Auction: www.instagram.com/primepropertyauctions/

John: www.instagram.com/john_property_auctioneer/

Luis: www.instagram.com/luis_property_auctioneer/

Visit Prime Property Auction website: https://primepropertyauctions.co.uk/

---------------------------------------------

#ScottishPropertyPodcast #PropertyInvestment #2024Recap #2025Predictions #RealEstateTrends #BuyToLet #NetworkingEvents #ScottishHousing #FinancialFreedom #NewPodcastEpisode

In this episode of the Scottish Property Podcast, we welcome Ian Lindsay, an experienced builder and property developer, to discuss his journey from starting out as a young apprentice to becoming a seasoned developer with a focus on extensions, renovations, and new builds.

Ian shares his insights on building a successful career in construction, managing challenges in the industry, and transitioning to new opportunities in property development. This episode is packed with advice for tradespeople, property investors, and aspiring developers.

Episode Highlights:

• Starting From Humble Beginnings:

  • Ian shares his early experiences as a school leaver, entering an apprenticeship at 16 and working in a variety of construction roles across Scotland.
  • The lessons learned from his early days in construction, including respect, work ethic, and craftsmanship.

  
  

• The Transition to Self-Employment:

  • Ian recounts the journey of going self-employed at a young age, taking on small jobs and building a reputation in the Hamilton area.
  • The evolution from small-scale projects to larger extensions and renovations over the years.

  
  

• Key Challenges in the Industry:

  • Labour shortages and the changing attitudes of workers over the decades.
  • Managing customer expectations and navigating difficult clients.
  • The importance of maintaining a reliable and skilled team.

  
  

• Mental Health and Resilience in Construction:

  • Ian opens up about his struggles with burnout and the toll of balancing a demanding career with personal life.
  • How goal-setting, self-development, and mental resilience helped him turn things around.

  
  

• Entering Property Development:

  • Ian’s move into new build projects, starting with acquiring land, navigating planning permission, and tackling construction challenges.
  • High-level insights into cost management, planning for contingencies, and learning from setbacks on new build sites.

  
  

• Tips for Aspiring Developers and Tradespeople:

  • The importance of building strong relationships with agents, tradespeople, and suppliers.
  • Why attention to detail, clear communication, and professionalism are key to long-term success.
  • The value of diversifying projects, including exploring opportunities in commercial property.

Whether you’re a tradesperson looking to expand your skills, an investor exploring development opportunities, or someone navigating the challenges of the building industry, Ian’s story offers valuable lessons on perseverance, professionalism, and the power of building strong relationships. Tune in to learn how you can apply these insights to your own journey!

--------------------------------------------------------- Prime Property Auction: www.instagram.com/primepropertyauctions/

John: www.instagram.com/john_property_auctioneer/

Luis: www.instagram.com/luis_property_auctioneer/

Visit Prime Property Auction website: https://primepropertyauctions.co.uk/

------------------------------------

Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this Market Update episode, we're joined by Mark Shanta, a seasoned estate agent and letting agent, to explore the latest trends in the Scottish property market.

We discuss the key developments from August, including changes in mortgage rates, fluctuations in house prices, and the latest shifts in the rental market. Whether you’re an investor, a first-time buyer, or simply interested in the property landscape, this episode offers valuable insights into what’s happening across Scotland.

Episode Highlights:

• Mortgage Rates:

  • The Bank of England has reduced interest rates slightly, leading to a decrease in mortgage rates, which is positive news for the property market.
  • First-time buyers are showing increased confidence, with many properties selling above home report values and frequently going to closing dates.

• House Prices:

  • The average property price in Scotland has risen by 4.3% over the past year, reaching £192,000.
  • Both hosts predicted a 5% increase in house prices at the start of the year, and the market appears to be on track to meet that prediction.

• Rental Market Trends:

  • Rental prices in Glasgow have seen a decline after sharp increases last year, with some areas experiencing rent reductions.
  • The decline is attributed to the unsustainable rent increases seen in the previous year, leading to a market correction.

• Political and Economic Impacts:

  • The episode discusses the potential implications of Labour’s proposed tax policies, including an increase in capital gains tax, which could affect property investors.
  • The impact of Scotland’s rent control policies is also explored, with a significant rise in rent adjudication requests following the end of the rent cap.

• Census Data Insights:

  • A nearly 30% increase in the number of Scottish homeowners who have paid off their mortgages over the past decade reflects an aging population.
  • The number of households renting privately has risen by 9.5% since 2011, while social renting has slightly decreased.

• Student Accommodation:

  • There has been a 68% increase in the number of people living in student accommodation, driven by the growing demand from international students.

• Challenges in Property Investment:

  • The process of obtaining buy-to-let mortgages through limited companies remains challenging, with extensive paperwork and delays.
  • Potential changes in capital gains tax could impact the decisions of property investors and slow down the market.

Tune in to this insightful episode as Mark Shanta and the hosts delve into the latest market updates, offering expert analysis and practical advice for navigating the current property landscape in Scotland.

---------------------------------- Follow Prime Property Auction on Instagram: Prime Property Auction: https://www.instagram.com/primepropertyauctions/ John: https://www.instagram.com/john_property_auctioneer/ Luis: https://www.instagram.com/luis_property_auctioneer/ Visit Prime Property Auction website: https://primepropertyauctions.co.uk/ ------------------------------------

Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode of the Scottish Property Podcast, we’re joined by Tony Carriden, an experienced property investor and developer, to explore his journey in the industry. Tony shares how he overcame obstacles, adapted to market changes, and built a thriving property portfolio. From navigating challenges in financing and regulations to uncovering hidden opportunities in today’s market, Tony provides actionable insights for property enthusiasts at all levels.

Episode Highlights:

• Tony’s Journey into Property:

  • How Tony got started in property investment and the key decisions that shaped his success.
  • His transition from smaller projects to larger developments and how he navigated the learning curve.

• Overcoming Financing Challenges:

  • Tony’s strategies for securing financing in a competitive and ever-changing market.
  • The importance of building relationships with lenders and private investors.

• Adapting to Market Trends:

  • How Tony stays ahead of market shifts, including the impact of interest rates, rental demand, and new regulations.
  • Why flexibility and innovation are critical for long-term success in property.

• Identifying Opportunities in a Tough Market:

  • Tony shares how he spots under-the-radar investment opportunities, even in challenging conditions.
  • Advice for balancing risk and reward when evaluating new projects.

• Lessons for Aspiring Property Investors:

  • The importance of patience, persistence, and ongoing education in property.
  • Tony’s top tips for building a solid portfolio, from diversifying investments to assembling a reliable team.

Tony Carriden’s journey is a testament to the power of resilience, adaptability, and a keen eye for opportunity. Whether you’re just starting in property or looking to level up your portfolio, his insights offer practical advice and fresh perspectives to help you navigate market challenges and uncover hidden potential. Don’t miss this episode packed with valuable lessons and inspiration!

Follow Tony Carrigan on the following channels: LinkedIn: https://uk.linkedin.com/in/tony-carrigan-bab581289 Instagram: https://www.instagram.com/tony_carrigan_property/ ---------------------------------------------

Prime Property Auctions – Sell your property with no upfront costs and control the reserve price.

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Luis: www.instagram.com/luis_property_auctioneer/

Visit Prime Property Auction website: https://primepropertyauctions.co.uk/

------------------------------------ #scottishpropertypodcast #propertyinvestment #realestate #propertymarket #propertydevelopment #financingtips #scottishhousing #investmentopportunities #businessgrowth #newpodcastepisode

In this episode, Nick, together with Mark Shanta, dives into the Scottish property market, covering monthly updates, government policies, and their impacts on landlords and investors.

Episode Highlights

Impact of UK Election on Scottish Housing

• Discussion of the upcoming UK election on July 4.
• Explanation that housing policies are devolved to the Scottish government, with elections set for 2026.
• Predictions on a potential shift in Scottish politics if Labour wins the UK elections.

Scottish Government Policies

• Critique of SNP's handling of rent controls and emergency legislation.
• Speculation on Labour's potential governance in Scotland post-2026 elections.

Section 24 and Landlord Challenges

• Discussion on Section 24, preventing landlords from claiming mortgage interest as a tax deduction.
• Impact of Section 24 on small landlords and the rental market.
• Comparison of SNP's policies and UK-wide policies affecting landlords.

Housing Market Dynamics

• Discussion on housing supply and demand issues leading to increased prices.
• Institutional investors like Blackstone buying properties due to high demand.
• Call for more housing stock and government incentives for building.

Government Blunders and Temporary Housing

• Discussion on Glasgow's expenditure on temporary accommodation due to housing shortages.
• Inefficiencies and the need for better allocation of resources to build affordable housing.

House Price Statistics and Market Trends

• Latest land registry stats show a 4.5% annual price increase in Scotland.
• Local market trends and predictions on house price stability.
• Impact of supply and demand on house prices.

Rental Market Insights

• Report on the slowing pace of rent increases.
• Observations on current rental market trends and tenant demand.
• Discussion on rental market dynamics and pricing strategies.

Challenges and Experiences in Property Sales

• Personal experiences of the hosts in property sales.
• Instances of price negotiations and challenges faced with solicitors and buyers.

Future Outlook and Planning Policies

• Need for better planning policies to incentivize building and regeneration.
• Discussion on the potential impact of future elections on housing policies.

Follow Mark Shanta on Instagram: www.instagram.com/mshanta5 ------------------------------------------------------------------------------------------------

Prime Property Auction: www.instagram.com/primepropertyauctions

John: www.instagram.com/john_property_auctioneer

Luis: www.instagram.com/luis_property_auctioneer

Visit Prime Property Auction website: https://primepropertyauctions.co.uk/

🔗⁠⁠⁠⁠⁠ Subscribe and watch episodes on our YouTube channel⁠⁠⁠⁠⁠

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠

🔗 ⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠

📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode, we are joined by Natalia Maria as she shares her extensive experience in property investment, bookkeeping, and the balancing act of managing a full-time career alongside being a mother of two.

Introduction and Background:

• Natalia shares her unique background, growing up in Aberdeen with Polish and English parents.
• She studied accountancy and finance in Edinburgh and became a chartered accountant.

Early Property Investment:

• Natalia's property journey began with purchasing a flat in Edinburgh before the financial crisis.
• Despite challenges with tenants and market fluctuations, she persevered and leveraged her properties for further investments.

Property and Financial Strategy:

• Emphasis on the importance of refinancing and using equity to grow her property portfolio.
• Benefits and challenges of service accommodation (Airbnb) versus long-term rentals, particularly in the saturated Aberdeen market.

Bookkeeping Business:

• Natalia runs a successful bookkeeping business, serving clients in construction, property management, and other small businesses.
• Importance of good bookkeeping practices and utilizing technology like Xero and Hubdoc to streamline processes.

Balancing Multiple Roles:

• Insights on managing her career, businesses, and family life with a supportive partner and good time management.

Future Plans and Vision:

• Plans to expand her service accommodation business to cities like Dubai, London, and Barcelona.
• Moving to Slovenia with her family while continuing to manage her businesses remotely.

Advice for Entrepreneurs:

• Significance of financial education, planning, and flexibility.
• Encourages leveraging support networks and technology to manage multiple responsibilities effectively.

Tune in to hear Natalia's inspiring journey and valuable advice for balancing business, family, and property investment. Don't miss her insights on financial strategy and the future of her expanding ventures!

Follow Natalia on Instagram: https://www.instagram.com/natalia.maria.s/ Beyond Bookkeeping: https://www.instagram.com/beyondbookkeepinguk/ ---------------------------------- Follow Prime Property Auction on Instagram: Prime Property Auction: https://www.instagram.com/primepropertyauctions/ John: https://www.instagram.com/john_property_auctioneer/ Luis: https://www.instagram.com/luis_property_auctioneer/ Visit Prime Property Auction website: https://primepropertyauctions.co.uk/ Follow us on all of our social media accounts.

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠

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📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode, we welcome David Liddell, a young and energetic property investor, to discuss his journey, strategies, and recent projects. David shares his transition from an engineering career to property investment, highlighting key lessons, successful projects, and his plans for the future.

David's Background:

• Grew up in Dunfermline, now based in Glasgow
• Former hydraulic design engineer in the oil and gas industry
• Shifted to property investment during the COVID-19 pandemic

First Property Investment:

• Location: Peterhead
• Type: Buy-to-let
• Outcome: Sold at a profit, igniting interest in property investment

Transition to Full-Time Property Investment:

• Began focusing on property during the pandemic while working part-time in engineering
• Educated himself about property investment
• Left engineering job in April 2022 to pursue property full-time

Property Strategies and Projects:

• Involved in flips, assisted sales, deal sourcing, and service accommodation (SA)
• Advocates for focusing on one strategy at a time
• Manages properties with his partner, Samantha, including setting up service accommodations

Notable Projects:

1. Service Accommodation in Coatbridge:

   • Converted his home into a service accommodation
   • Self-managed, resulting in cost savings and increased profitability

2. Thurso Property (Marine Inn):

   • Overlooks Thurso Beach
   • Purchased for £385,000 (home report value: £425,000)
   • Plan: Convert into a high-quality apart-hotel with six self-contained units
   • Financing: Bridging finance and investor funds

3. Project in County Durham:

   • Large property bought at a discount (valued at £600,000, secured for £475,000)
   • Plan: Refurbish and set up for group stays

Financing and Investors:

• Raised approximately £700,000 in investor funds for various projects
• Stresses the importance of building a personal brand and maintaining a social media presence
• Most investors are connections from networking and business groups

Conclusion:

• David is dedicated to growing his property business and emphasizes delayed gratification and discipline.
• Future plans include expanding his property portfolio and continually improving business strategies.

Listen to the full episode to hear David's insights and advice for aspiring property investors!

Follow David on Instagram!

------------------------------------------------------------

Prime Property Auction: www.instagram.com/primepropertyauctions

John: www.instagram.com/john_property_auctioneer

Luis: www.instagram.com/luis_property_auctioneer

Visit Prime Property Auction website: https://primepropertyauctions.co.uk/

🔗⁠⁠⁠⁠⁠⁠ Subscribe and watch episodes on our YouTube channel⁠⁠⁠⁠⁠⁠

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠

🔗 ⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠

📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode of the Scottish Property Podcast, we chat with Emma Watson, property investor and social media influencer behind “Renovate with Emma.” Emma shares her inspiring journey from a successful corporate career in PR to becoming a full-time property investor. She discusses how she started during lockdown, her experiences with DIY renovations, and the challenges of managing projects with limited budgets. Emma also shares how her social media presence has grown, attracting opportunities and followers who are inspired by her creative, hands-on approach to property investment.

Episode Highlights:

Emma’s Start in Property:

• Emma started her property journey in January 2020, buying her first auction property with her ex-partner just before the COVID-19 pandemic hit.

• Initially, the couple had no experience in DIY, but when lockdown affected tradesmen availability, Emma had to roll up her sleeves and learn skills like plastering to keep the project moving.

Transition from Corporate to Property:

• Emma worked as Head of Communications and PR for THG in Manchester before deciding to leave her corporate job and pursue property investment full-time.

• A combination of personal and professional challenges, including the passing of her sister, led Emma to re-evaluate her priorities and make the bold move to focus on her passion for property.

Creative DIY Projects:

• Emma shares stories of her creative approach to property renovations, including how she sourced free kitchens, upcycled materials, and maximised budgets on her projects.

• Her attention to detail and passion for interior design helped her properties stand out, even landing one of her projects on Channel 5’s “Dream Kitchens and Bathrooms.”

Challenges of DIY and Bridging Finance:

• Emma reflects on the stress of managing projects under tight deadlines with bridging finance during lockdown.

• She also discusses the importance of learning hands-on skills and being resourceful when tradesmen are unavailable.

Building a Social Media Brand:

• Emma’s Instagram account “Renovate with Emma” has grown to nearly 40,000 followers, where she shares her renovation journey, DIY tips, and creative interior design ideas.

• She credits her success to building strong relationships with her audience and focusing on quality content over quantity.

Advice for Aspiring Property Investors:

• Emma encourages new investors to take risks, be resourceful, and find joy in the process, even when faced with challenges.

• She also discusses the importance of developing skills, managing trades, and taking control of project management to ensure successful outcomes.

Tune in to this episode for an inspiring conversation with Emma Watson, packed with valuable insights for both new and experienced property investors. Learn how she transformed her passion for property into a full-time career and built a thriving social media brand along the way.

Follow Emma Watson:

Instagram: @renovate_with_emma

Don’t forget to subscribe to the Scottish Property Podcast for more property tips, expert insights, and inspiring stories from the world of property investing!

In this episode of the Scottish Property Podcast, Liam and Emerald share their remarkable journey of building Empire Property Brokers, scaling their business, and diversifying property strategies. From humble beginnings to managing a fully integrated brokerage, their story is packed with insights on resilience, creativity, and persistence in the property investment world.

Episode Highlights:

• From Personal Homes to Professional Ventures:

  • How Liam and Emerald transitioned from selling their own homes to investing in property professionally.
  • Early challenges in sourcing and building credibility in the property market.

• Scaling Empire Property Brokers:

  • The growth from a property sourcing agency to a full-service brokerage.
  • Offering end-to-end services, including sourcing, refurbishment, project management, and compliance.
  • Their vision for adding a letting agency to their portfolio.

• Key Strategies and Deals:

  • Leveraging student rentals to maximise income from two-bedroom flats.
  • Securing a bungalow through creative networking and negotiation for a short-term rental strategy.
  • Building relationships with overseas clients for consistent sourcing opportunities.

• Lessons Learned:

  • The importance of transparency, strong client relationships, and social media presence.
  • Overcoming challenges like sourcing delays and market uncertainties with adaptability and resilience.
  • The value of starting with the end in mind and focusing on long-term goals.

Liam and Emerald’s journey demonstrates the power of perseverance, smart strategies, and staying true to your values. Whether you're just starting out or looking to scale, their story offers practical advice and inspiration for building a successful property business.

Follow Empire Property Brokers on Instagram:

www.instagram.com/empirepropertybrokers/

---------------------------------------------------------------

Prime Property Auctions – Sell your property with no upfront costs and control the reserve price.

Prime Property Auction: www.instagram.com/primepropertyauctions/

John: www.instagram.com/john_property_auctioneer/

Luis: www.instagram.com/luis_property_auctioneer/

Visit Prime Property Auction website: https://primepropertyauctions.co.uk/

----------------------------------------------

In this episode of the Scottish Property Podcast, we sit down with Michael Paton, founder of MAP Short Stays, to explore his incredible journey from a challenging upbringing to becoming a successful property investor and short-term rental manager.

Michael shares his personal story, from his troubled youth and early brushes with the law to turning his life around and building a thriving property management business. Now managing properties across Scotland, Michael specialises in short-term rentals, particularly in the contractor market, and reveals the systems, processes, and strategies that have allowed him to scale his business successfully.

Episode Highlights:

• Michael’s Early Life:

  • Michael shares his upbringing, where he moved around frequently with his mother, struggled in school, and was expelled twice before being sent to a residential school.
  • He reflects on how his rebellious youth, shaped by peer pressure and a lack of positive influence, eventually gave way to a sense of responsibility and a desire to build a better future for himself.

• Turning Point and Career Shift:

  • After working for nearly 20 years in social care, including roles with at-risk youth and people with mental health challenges, Michael realised he wanted more flexibility to spend time with his family.
  • His first experience as an accidental landlord in 2014 sparked his interest in property, though the traditional buy-to-let model didn’t initially excite him. By 2021, he shifted focus to the short-term rental market, seeing an opportunity in holiday homes and caravans.

• Building a Short-Term Rental Business:

  • Michael discusses how he scaled his short-term rental management business, starting with holiday caravans and lodges and growing into managing a portfolio of properties across Scotland.
  • He explains the importance of having strong systems and processes in place, from automated guest communication to efficient cleaning protocols and contractor management.

• Challenges and Lessons Learned:

  • Michael reflects on the challenges of finding the right business partners and emphasises the importance of thorough due diligence before entering into any business relationship.
  • He also talks about the difficulties of scaling a business and the need for consistent hard work—working 16-18 hours a day, ensuring properties are managed to the highest standard.

• The Contractor Market:

  • Michael has found a niche in managing short-term lets for contractors, offering long-term bookings and consistent income for landlords.
  • He breaks down how to manage contractor bookings, the key amenities contractors look for (e.g., parking and laundry facilities), and how to achieve high occupancy rates.

• Managing Short-Term Let Licences:

  • With Scotland’s evolving legislation on short-term lets, Michael outlines the licensing process and how long it can take depending on the council area.

• Revenue and Profitability:

  • Michael gives a realistic overview of the potential earnings in short-term lets, sharing that a well-managed three-bedroom property can generate around £4,000 a month in gross revenue. He stresses the importance of occupancy rates and setting realistic expectations for returns.

Tune in to hear Michael Paton’s inspiring story of transformation and learn practical strategies for scaling a successful short-term rental business in Scotland!

Follow Michael Paton on Instagram:

www.instagram.com/michaelpatonproperty/ Map Short Stays: www.mapshortstays.com/

Map Short Stays Instagram:

www.instagram.com/mapshortstays/

------------------------------------------------------------

Follow Prime Property Auction on Instagram: Prime Property Auction: www.instagram.com/primepropertyauctions/

John: www.instagram.com/john_property_auctioneer/

Luis: www.instagram.com/luis_property_auctioneer/

Visit Prime Property Auction website: https://primepropertyauctions.co.uk/

------------------------------------

Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast

In this episode, Steven and Nick welcome back Brian Gilmour from Indigo Square to discuss key updates in the Scottish property market. With rent controls changing, interest rates stabilising, and housing policies evolving, this episode is packed with insights for landlords, investors, and property professionals.

Key Highlights:

Scottish Property Market Updates:

• Changes to rent controls and what they mean for landlords.
• The impact of the Scottish Government’s new housing policies.
• Why institutional investors are pulling out of Scotland.

Economic & Interest Rate Discussion:

• The latest Bank of England base rate changes.
• Inflation trends and what they mean for property investors.
• Mortgage rate outlook—where are they heading?

The Future of the Private Rented Sector:

• The long-term outlook for landlords in Scotland.
• Why so many landlords are selling up.
• How portfolio buyers can take advantage of market shifts.

The UK Housing Crisis & Possible Solutions:

• The role of the government vs. private sector in fixing the crisis.
• The challenges of planning and building new homes.
• How Scotland’s ageing housing stock is creating more problems.

Scotland’s property market is in a period of transition. While some landlords are exiting, opportunities remain for investors who understand the new landscape. With changes in rent controls, economic uncertainty, and evolving housing policies, staying informed is key!

----------------------------------------------------------

Prime Property Auctions – Sell your property with no upfront costs and control the reserve price.

Prime Property Auction: www.instagram.com/primepropertyauctions/

John: www.instagram.com/john_property_auctioneer/

Luis: www.instagram.com/luis_property_auctioneer/Visit Prime Property Auction website: https://primepropertyauctions.co.uk/

------------------------------------

Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📩  Email us:

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Nick@arcproperty.uk

#scottishpropertypodcast #propertyinvestment #realestate #scottishhousingmarket #propertynews #landlords #rentalmarket #propertyinvesting #mortgagerates #housingcrisis

In this episode of the Scottish Property Podcast, we sit down with Michelle Wales, a dynamic entrepreneur in the Scottish property scene. Michelle shares her journey from starting as a property investor.

The discussion delves into the evolution of their property portfolio, the importance of staging in real estate, and the challenges of balancing business growth with personal life. Whether you're a seasoned property investor or just starting, this episode offers valuable insights into the diverse opportunities within the property industry.

Episode Highlights:

• Introduction and Background:

  • Michelle and her husband, Gary, started their property journey in 2019 after formal training.
  • Initially focused on owning a few buy-to-let (BTL) properties, they expanded their portfolio and ventured into short-term rentals (Airbnb).

• Property Investment and Business Evolution:

  • The couple's property journey took unexpected turns, leading Gary to become an estate agent and Michelle to launch a property staging business.
  • They temporarily paused expanding their property portfolio to concentrate on growing their respective businesses.

• Property Staging:

  • Michelle's interest in staging developed as they began furnishing their own rental properties, realising the aesthetic and financial benefits of staging.
  • Property staging has become a valuable service in enhancing the appeal and market value of properties.

• Business Insights:

  • The episode emphasizes the importance of a business mindset in the property industry, whether in investment or related ventures like staging.
  • Trends in interior design and staging are discussed, highlighting their impact on helping potential buyers or renters visualise property potential.

• Challenges and Future Plans:

  • Michelle shares the challenges of balancing business growth with personal life and the ongoing learning process in both property and staging.
  • The couple plans to continue expanding their property portfolio and staging business, with a focus on continuous learning and evolution.

Tune in to gain a deeper understanding of the property industry's multifaceted nature and the unexpected opportunities it can offer.

---------------------------------- Follow Prime Property Auction on Instagram: Prime Property Auction: https://www.instagram.com/primepropertyauctions/ John: https://www.instagram.com/john_property_auctioneer/ Luis: https://www.instagram.com/luis_property_auctioneer/ Visit Prime Property Auction website: https://primepropertyauctions.co.uk/ ------------------------------------

Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

#scottishpropertypodcast #propertyinvestment #realestate #investmentstrategies #scottishproeprty #propertystaging

In this relaxed and candid episode of the Scottish Property Podcast, Nick and Steven catch up on their latest adventures—both in life and business. From thrilling personal experiences, like road trips and skydiving in the US, to the challenges of managing property portfolios, the hosts share insights, stories, and hard-earned lessons.

This episode offers an honest look at the highs and lows of property investing, including staffing issues, rising mortgage rates, and portfolio restructuring.

Episode Highlights:

• Nick’s US Adventure:

  • Nick talks about his two-week trip across the West Coast, riding Harleys, driving a Dodge Challenger, and even winning big at the casino—only to learn the IRS takes a hefty 30% tax cut.

• Taking a Break from Business:

  • For the first time in a long while, Nick was able to step away from work and fully disconnect, highlighting the importance of trusting your team to keep things running smoothly.

• Portfolio Restructuring Challenges:

  • Steven shares his struggles with managing his large Aberdeen-based property portfolio, including challenges with staffing, maintenance, and increasing interest rates.
  • They discuss scaling operations, hiring full-time staff, and dealing with the frustrations of finding reliable contractors.

• The Impact of Rising Interest Rates:

  • With mortgage rates soaring from 3% to 7%, Steven reflects on how these changes have affected his portfolio’s profitability and forced him to cut costs on maintenance and management.

• Staffing Struggles:

  • Steven recounts his efforts to hire the right team, sharing stories of employees who didn’t meet expectations and how finding the right fit is essential for managing properties efficiently.

• Insights on the Rental Market:

  • They discuss the changing dynamics in Scotland’s rental market, including the shift towards more international tenants and the continuing demand for rental properties despite a correction in rental prices.

• The Value of Systemisation:

  • Nick and Steven stress the importance of having the right processes and systems in place, with tips on using tools like Loom videos to train staff remotely and improve efficiency.

• Networking and Community Engagement:

  • They talk about the importance of networking events, including updates on their monthly meetups across Scotland, with special mention of speakers and topics from recent events.

Tune in to this episode for a fun and insightful conversation covering personal experiences, property management tips, and reflections on running a business amidst changing market conditions.

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Prime Property Auctions – Sell your property with no upfront costs and control the reserve price.

Prime Property Auction: www.instagram.com/primepropertyauctions/

John: www.instagram.com/john_property_auctioneer/

Luis: www.instagram.com/luis_property_auctioneer/

Visit Prime Property Auction website: https://primepropertyauctions.co.uk/

------------------------------------

Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode of the Scottish Property Podcast, Steven and Nick sit down with legal expert Lindsey Devine from NM Legal to discuss the legal risks and best practices when it comes to private money lending in property. With more investors turning to private finance to scale their portfolios, it’s crucial to understand how to protect your investment and avoid costly mistakes.

Episode Highlights:

Due Diligence Before Lending

• Why investors turn to private finance instead of traditional lenders.
• The risks involved and common mistakes to avoid.

• Why private investors need independent legal advice.

Legal Protections & Security Measures

• How to properly assess a borrower before handing over your money.
• Key checks: credit history, Companies House records, and social media red flags.

• The importance of a solid loan agreement and what it should include.

Exits & Worst-Case Scenarios

• Standard security vs. floating charges – what’s the best option?
• The role of personal guarantees and how they impact investors.

• What happens if the borrower can’t repay?

Lending in Property

• How to enforce security and recover funds legally.
• Red flags to watch for to avoid “robbing Peter to pay Paul” schemes.

Private money lending can be a powerful tool for property investors, but it’s not without risks. This episode provides invaluable insights on how to protect yourself and ensure your investment is secure. Whether you're lending or borrowing, understanding the legal aspects is key to success.

----------------------------------------------------------

Prime Property Auctions – Sell your property with no upfront costs and control the reserve price.

Prime Property Auction: www.instagram.com/primepropertyauctions/

John: www.instagram.com/john_property_auctioneer/

Luis: www.instagram.com/luis_property_auctioneer/Visit Prime Property Auction website: https://primepropertyauctions.co.uk/

------------------------------------

Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode, we sit down with Stephen Gallagher to explore his impressive journey in property investment and the formation of SAS Scotland.

Key Discussion Points:

• SAS Scotland:

  • Stephen and Derek's hands-on network for property investors.
  • Practical learning through live projects.

• Stephen’s Background:

  • From aerospace engineering to oil and gas, then banking and finance.
  • Transition to property investment starting with residential and moving to commercial properties.

• Property Investment Strategy:

  • Using SAS pensions for tax-efficient investments.
  • Importance of market understanding, due diligence, and trusted partners.

• Case Study - Hamilton Property:

  • Purchase and refurbishment of an office building.
  • Investment of £70,000 leading to a market rent of £122,000 and offers of £1 million.

• Commercial Lending:

  • Providing loans with first-charge security.
  • Emphasis on thorough due diligence.

• Challenges and Opportunities:

  • Rising costs in the property market.
  • Opportunities in secondary market towns.

• Future Plans:

  • Scaling up investments with private equity.
  • Potential expansion into the hotel sector.

• Brokerage Business:

  • Futurity offers real estate, asset finance, and business loans.

• Advice for Aspiring Investors:

  • Conduct thorough research.
  • Network with experienced investors.
  • Be bold in pursuing opportunities.

---------------------------------- Follow Prime Property Auction on Instagram: Prime Property Auction: https://www.instagram.com/primepropertyauctions/ John: https://www.instagram.com/john_property_auctioneer/ Luis: https://www.instagram.com/luis_property_auctioneer/ Visit Prime Property Auction website: https://primepropertyauctions.co.uk/ ------------------------------------

Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

#scottishpropertypodcast #propertyinvestment #sas #realestate #investmentstrategies #commercialproperty #duediligence

In this episode, we are joined by Vikki Ridler, a renowned TikTok estate agent, to discuss her incredible success and insights into the Scottish property market. Vikki's innovative use of social media has significantly impacted her career, leading her to sell an impressive 35 houses a month.

Key Topics Covered:

Introduction

• Welcoming Vikki Ridler to the podcast.

• Vikki's popularity and her contributions to the Edinburgh networking event.

Career Start

• Vikki's journey from starting at 16 in an office job to becoming an estate agent.
• Her initial reluctance and subsequent passion for the field.

First Impressions

• Early experiences and the challenges Vikki faced.
• How she overcame obstacles with determination and support from her managers.

Market Changes

• Evolution of the estate agency market.
• Rise of independent estate agents and the impact of social media.

Social Media Strategy

• Using platforms like TikTok to attract buyers.
• Strategic video posting times to increase engagement and sales.

Daily Routine

• Vicky’s daily schedule and work-life balance.
• Effective management of both professional and personal life.

Marketing Techniques

• Importance of detailed property descriptions and quality photography.
• Various marketing methods explored by Vicky and the hosts.

Client Interaction

• Building personal rapport with clients.
• How personal interactions can lead to better sales outcomes.

Challenges and Opportunities

• Industry challenges such as competition and market fluctuations.
• Turning challenges into opportunities for growth.

Advice for Aspiring Agents

• Tips for those looking to enter the real estate industry.
• Value of starting from the bottom and continuously learning.

Follow Vikki's Instagram and TikTok account @vikki.ridler

🔗 Subscribe and watch episodes on our youtube channel

**DISCLAIMER**
Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝  Visit one of our monthly networking meet-ups.  We run them on the 1st Wednesday of each month and have some fantastic guest speakers.
🎟  Book your place at the networking events here

⭐️⭐️⭐️⭐️⭐️  Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:

🔗 Join our private Facebook group 

🔗 Follow us on Instagram 

📩  Email us:

Steven@steven-clark.com

Nick@arcproperty.uk