The Commercial Property Podcast (Suzi Carter)

Episode 9 - Time, Money and Knowledge - the essential factors for your commercial investing!

Host: Suzi Carter
Episode Title: Time, Money and Knowledge - the essential factors for your commercial investing!

In this episode, Suzi Carter shares her expert insights on the essential mindset and strategies needed to successfully invest in commercial property. 

From overcoming intimidation to financial strategies, Suzi offers valuable advice for both beginners and experienced investors looking to navigate the commercial real estate landscape.
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What You’ll Learn in This Episode:

1. Understanding the Mindset for Commercial Property Investment:

• How to develop a confident, knowledge-driven mindset for successful investing.  
• Strategies to overcome fear and intimidation when entering the commercial property market.
• How staying informed on market trends and property valuation leads to better decisions. 
• The value of patience and a long-term view for growing a property portfolio. 
• Embracing a growth mindset and continuous learning in the real estate industry. 

2. Navigating Financial Strategies in Commercial Investing:
 

• How to leverage other people’s money to expand your investment portfolio. 
• Effective ways to manage financial risks and maximise returns. 
• Understanding the different financing options available for commercial property investment. 
• Key strategies for structuring deals to minimise personal capital investment while maximizing potential returns. 
• The importance of financial discipline and smart decision-making in scaling your investments. 

3. Overcoming Time Constraints in Property Investment:
 

• How to prioritise high-impact activities that move your investment goals forward. 
• Streamlining processes to increase efficiency and productivity in property management. 
• The importance of delegation and building a support team to free up your time for strategic decision-making. 
• Techniques for staying organised and focused to ensure long-term success in commercial property investment. 

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Key Takeaways: 

• Commercial property investment requires a solid understanding of the market.
• Knowledge is crucial to overcoming intimidation in investing.
• Money for investment can come from various sources, not just personal funds - but make sure you follow the rules!
• Building relationships with agents and professionals is vital for success.
• Time management is essential in balancing investment with other commitments.
• Understanding the mindset shift needed for commercial property investment is key.

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Subscribe & Stay Tuned:

Don’t miss an episode! Hit subscribe now to gain more insights into commercial property investing and tax strategies.

I’m hosting a free live webinar on Wednesday, 19th February 2025, at 12:30 PM, alongside finance expert Jonny Dunn and pension strategist Kevin Whelan, to show you exactly how to Find, Fund & Supercharge a Profitable Commercial Property Portfolio. You can click this link here to register https://membership.wealthbuilders.co.uk/supercharge-commercial-property-suzi

Visit https://suzicarter.com to find out more about commercial property and to register for Suzi’s weekly newsletter which will deliver up-to-date commercial property advice direct to your inbox!

Episode 6 - Mastering Property Tax for Commercial Property Investors

Host: Suzi Carter
Episode Title: Mastering Property Tax for Commercial Property Investors

In this episode of the Commercial Property Podcast, Suzi Carter is joined by Andrew and Nick from Property Tax People, experts in navigating the complexities of tax for property investors. Together, they delve into the critical tax considerations for UK and overseas investors in commercial property, ensuring you have the insights needed to optimise your investment strategy while staying compliant with tax laws.

Whether you're a UK-based investor, an expat, or considering overseas investments in the UK, this episode is packed with invaluable advice to help you mitigate tax risks and make informed decisions.

What You’ll Learn in This Episode:

1. Stamp Duty for Commercial Property

• How stamp duty differs for commercial vs. residential properties.
• The benefits of commercial stamp duty rates and how to calculate liabilities for freehold and leasehold transactions.
• The role of net present value in calculating stamp duty on leases.

2. VAT Considerations for Commercial Property

• Why some commercial properties are subject to VAT and how to plan for this upfront.
• The importance of checking whether a property is exempt or VATable before purchase.
• How to mitigate VAT through options like Transfer of a Going Concern (TOGC).

3. Income Tax, Corporation Tax, and Capital Gains Tax (CGT)

• Key differences in tax treatment for properties owned personally, via partnerships, or through limited companies.
• Changes to CGT rates and their implications for commercial property owners.
• Strategies for structuring ownership to minimise tax burdens.

4. Inheritance Tax (IHT) on Commercial Property

• How IHT applies to UK property investments, even for non-residents.
• Dispelling myths around inheritance tax exemptions for properties held in companies.
• Why ongoing tax planning is critical as laws and governments change.

5. Tax Considerations for Overseas Investors and Expats

• The UK tax obligations for rental income and gains on UK property, regardless of residency.
• The role of double taxation treaties in avoiding duplicate tax liabilities.
• Unique benefits and risks for expats investing in the UK commercial property market.

Key Takeaways:

• Get Expert Advice Early: Engage a property tax specialist as soon as your offer is accepted to ensure the most tax-efficient structure for your investment.
• Start with the End in Mind: Plan for potential exit strategies and ensure your structure supports flexibility without compromising on tax efficiency.
• Stay Informed: Keep up with changes in tax laws and regulations to avoid surprises.
• Leverage the Benefits of Commercial Property: From lower stamp duty rates to tax-efficient investment vehicles like SAS pensions, commercial property offers significant advantages when properly planned.

Subscribe & Stay Tuned:

Don’t miss an episode! Hit subscribe now to gain more insights into commercial property investing and tax strategies.

Connect with Suzi:

• Website: https://suzicarter.com
• Are You Ready to Invest in Commercial?: https://commercialpropertyscorecard.scoreapp.com
• Join Suzi's Commercial Property Quickstart: https://www.commercialpropertyacademy.co.uk/quickstart
• Connect on LinkedIn: https://www.linkedin.com/in/suzicarter-commercialpropertycoach/

Learn More from This Episode’s Guests:

• Andrew Russell: andrewrussell@ormerodrutter.co.uk
• Nick Farmer: NickFarmer@ormerodrutter.co.uk
• Website: https://propertytaxpeople.co.uk 

Episode 8 - How to Play the Commercial Finance Game

Host: Suzi Carter
Episode Title: How to Play the Commercial Finance Game

In this episode, Suzi Carter delves into the world of commercial finance, emphasising the importance of niching in commercial property investment. She discusses various financing options, the significance of property valuation, and how to align investment strategies with bank lending preferences. 

Throughout the episode, she also talks about how, in the current market, it is important to tailor investment strategies to the preferences of lenders. By understanding what banks look for and aligning their strategies accordingly, investors can improve their chances of securing favourable financing deals.  This will change over time.

By the end of the episode, you’ll have a deeper understanding of how to approach commercial finance, utilise different financing options, and maximise returns through strategic property management and valuation techniques.

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What You’ll Learn in This Episode:

1. Understanding Commercial Finance:

• Explains the fundamentals of commercial finance
• The importance of understanding the financial landscape for property investments
• How the nuances of commercial finance differ from residential
• How investors can navigate these complexities.

2. Valuation Strategies for Commercial Properties

• Discusses the various methods for valuing commercial properties
• How a proper valuation is key to understanding the true value of a property.

3. Creating Multi-Let Spaces for Better Financing: 

• The benefits of developing multi-let spaces—properties with multiple tenants.
• How investors can create these spaces and how they align with better financing opportunities in the current market

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Key Takeaways: 

• Understanding commercial finance can help your sourcing strategy.
• Cash buyers are preferred in a down market for speed and certainty.
• Valuers currently assess properties based on vacant possession value.
• Preparing a valuer's pack can aid in securing better valuations.
• Understanding market demand is crucial for successful investments.

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Subscribe & Stay Tuned:

Don’t miss an episode! Hit subscribe now to gain more insights into commercial property investing and tax strategies.

Join Suzi's Micro-niching Webinar: https://www.commercialpropertyacademy.co.uk/micro-niching-registration1677689997352

To find out more about commercial property, Suzi is doing 2 full day Board-level Commercial Property Blueprint training days in January and February.  Click here for more details, or to register https://www.commercialpropertyacademy.co.uk/blueprint-masterclass

Visit https://suzicarter.com to find out more about commercial property and to register for Suzi’s weekly newsletter which will deliver up-to-date commercial property advice direct to your inbox!

Host: Suzi Carter
Episode Title:  Let's talk about Shops...is all Retail Dead?!

In this episode, Suzi Carter discusses the current state of retail, particularly in the aftermath of COVID-19. She shares insights into how the industry has been impacted, noting that while certain areas have faced challenges, there are still thriving retail opportunities. 

Suzi highlights the importance of repurposing retail spaces to meet evolving needs and understanding footfall dynamics to make informed decisions. 

She also emphasizes the value of identifying investment opportunities in various locations, urging listeners to look beyond the negative headlines and conduct thorough research when considering retail investments.

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What You’ll Learn in This Episode:

1. The State of Retail Post-COVID

• How the retail sector has evolved in the aftermath of the pandemic
• Key challenges and opportunities for investors

2. Understanding Footfall and Retail Dynamics

• The role of footfall in retail success
• How changing consumer behaviors impact retail investments

3. Repurposing Retail Spaces

• Strategies for transforming underperforming retail properties
• Emerging trends in mixed-use developments and alternative uses

4. Understanding Tenant Demand and Market Trends

• What retailers and businesses are looking for in commercial spaces
• How to align investment strategies with market demands

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Key Takeaways

• Retail can be repurposed for various uses, including residential.
• Not all retail is dead; some areas are thriving.
• Understanding tenant demand is crucial for retail success.
• Footfall is a key indicator of retail viability.
• Invest in locations with good affordability and demand.
• Niche locations may offer better investment opportunities.

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Subscribe & Stay Tuned:

Don’t miss an episode! Hit subscribe now to gain more insights into commercial property investing 

Visit https://suzicarter.com/ to find out more about commercial property and to register for Suzi’s weekly newsletter which will deliver up-to-date commercial property advice direct to your inbox!

Follow Suzi on YouTube at https://www.youtube.com/@commercialpropertytv1685

Episode 7 - Why Commercial Leases are Actually Quite Exciting!

Host: Suzi Carter
Episode Title: Why Commercial Leases are Actually Quite Exciting!

In this episode, Suzi Carter delves into the intricacies of commercial leases, emphasizing their critical role in property valuation and investment. She explains how commercial property is valued differently from residential property, focusing on rental income and risk assessment.

The discussion covers essential lease clauses, the significance of tenant quality, and strategies for enhancing property value through effective lease management. Suzi highlights the potential for substantial returns by understanding and leveraging commercial leases in property investment.

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What You’ll Learn in This Episode:

1. Understanding Commercial Leases: 

• Why Commercial leases aren’t boring, but are instead a value engine which have the ability to increase commercial property values!
• Gain a comprehensive understanding of what commercial leases are 
• How they play a critical role in property investment.
• Learn how these leases differ from residential leases and the factors that influence commercial property value. 

2. The Importance of Lease Clauses: 

• Discover the key lease clauses that investors should prioritise. 
• How these clauses can significantly impact rental income, risk management, and the overall success of the investment.

3. Strategies for Adding Value through Leases: 

• Explore effective strategies for maximizing property value through lease management. 
• Tips on negotiating favorable terms, extending short leases, and managing tenant relationships for long-term success.

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Key Takeaways: 

• Commercial leases are essential for creating value in property investment and for tat reason are far from boring!
• Investors prefer long leases with upward-only rent reviews for stability.
• Full repairing and insuring leases reduce landlord responsibilities and create ‘hands off’ income.
• The quality of tenants and lease length are crucial factors influencing property value.
• Paper-based asset management can enhance a property’s valuation.

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Subscribe & Stay Tuned:

Don’t miss an episode! Hit subscribe now to gain more insights into commercial property investing and tax strategies.

To find out more about commercial property, Suzi is doing 2 full day Board-level Commercial Property Blueprint training days in January and February.  Click here for more details, or to register https://www.commercialpropertyacademy.co.uk/blueprint-masterclass

Visit https://suzicarter.com to find out more about commercial property and to register for Suzi’s weekly newsletter which will deliver up-to-date commercial property advice direct to your inbox!

Host: Suzi Carter
Episode Title: Capital Allowances - 96% of investors don't know about them!

In this episode, Suzi Carter interviews Arthur Kemp from Exact Capital Allowances Ltd about capital allowances, a significant tax relief opportunity for commercial property investors. Arthur explains the intricacies of capital allowances, including what can be claimed, the process of claiming, and the importance of engaging with sellers. 

He highlights the staggering statistic that 96% of property transactions fail to maximize capital allowances, emphasizing the need for awareness and proactive planning. 

The discussion also touches on the implications of capital allowances for pension investments and the importance of strategic planning in property investment.

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What You’ll Learn in This Episode:

1. Understanding Capital Allowances and Their Benefits

• What capital allowances are and how they work
• How they can reduce your tax liability and boost cash flow

2. Claiming Capital Allowances: The Process

• Step-by-step guide to identifying and claiming allowances
• Common pitfalls to avoid during the process

3. The Importance of Seller Agreements

• Why securing the right agreements with sellers is crucial
• How to maximize your claim through proper documentation

4. Statistics and Common Misconceptions

• Key data on capital allowances and investor uptake
• Dispelling myths and misunderstandings about the process

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Key Takeaways

• Capital allowances are a significant tax relief for commercial property investors.
• Many investors are unaware of the potential benefits of capital allowances.
• The structure of a property can also be claimed for tax relief since 2018.
• Engaging with the seller early is crucial for claiming capital allowances.
• Pension funds cannot directly claim capital allowances but can benefit through related entities.

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Subscribe & Stay Tuned:

Don’t miss an episode! Hit subscribe now to gain more insights into commercial property investing and tax strategies.

Visit https://suzicarter.com/ to find out more about commercial property and to register for Suzi’s weekly newsletter which will deliver up-to-date commercial property advice direct to your inbox!

Follow Suzi on YouTube at https://www.youtube.com/@commercialpropertytv1685

Learn More from This Episode’s Guests:

Arthur Kemp is Managing Director of EXACT Capital Allowances Ltd and has been providing expertise in this niche areas for since 2007.

Having been the first to successfully claim on HMO properties back in 2009, as well as educating and sharing knowledge of this complex area at events across Europe, Arthur is always at the forefront of the Capital Allowances sector.

Recent changes in this Tax Relief have meant more tax savings for Commercial property owners, with the introduction of Structure & buildings Allowances. Great claims are available also for Serviced Accommodation and HMO property owners, with a significant case setting a precedent for HMO properties in 2019.

EXACT specialise ONLY in identifying Capital Allowances for property investors across the country.

Arthur can be contacted at  ak@exactbusiness.co.uk.
Find out more at https://www.exactca.co.uk

Host: Suzi Carter
Episode Title: The Planning Geek talks about Commercial Property Planning!

In this episode, Ian Walmsley, the Planning Geek himself!, shares insights into the world of planning, particularly focusing on permitted development rights when keeping commercial as commercial, and the nuances of converting commercial properties to residential use. He discusses the importance of understanding planning regulations, the various classes of permitted development, and strategies for successful planning applications. 

Ian emphasizes the need for proper documentation, viability assessments, and the significance of timing in the planning process. He also highlights the potential opportunities within high streets and the importance of having multiple exit strategies in property investment.  The is one not to be missed!

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What You’ll Learn in This Episode:

1. The Evolution of Planning Geek

• How Planning Geek became a go-to resource for property investors
• Insights into the journey of navigating planning regulations
  

2. Commercial Property and Permitted Development

• Understanding permitted development rights in commercial real estate
• How recent changes impact property investors

3. Converting Commercial to HMO

• The process of transforming commercial spaces into HMOs
• Key considerations and planning requirements for a successful conversion

4. The Importance of Proper Advice

• Why expert guidance is crucial in property development
• How consulting the right professionals can prevent costly mistakes

5. Maximizing Commercial Opportunities

• Strategies for identifying high-potential commercial investments
• How to make the most of market trends and planning regulations

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Key Takeaways

• Understanding planning regulations is crucial for property developers.
• Extensions to commercial properties can be significant under PD rights.
• Having multiple exit strategies is essential in property investment.
• Viability assessments are often necessary for planning applications.
• Knowledge of local planning policies can open up new opportunities.

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Subscribe & Stay Tuned:

Don’t miss an episode! Hit subscribe now to gain more insights into commercial property investing and tax strategies.

Every six months Suzi opens the doors to her small group mentoring programme “The Board”.  The next Board starts in March 2025, and there are limited spaces left.  The doors are now open for a limited time -  click here to find out more or book a call https://hub.commercialpropertyacademy.co.uk/new-join-the-board

Visit https://suzicarter.com/ to find out more about commercial property and to register for Suzi’s weekly newsletter which will deliver up-to-date commercial property advice direct to your inbox!

On Tuesday 25th February at 12.30pm, Suzi will be joined by Nadir Dosani from the prop tech company, Searchland.  Suzi and Nadir will be talking about How to Get Ahead of Your Competition, and How to Supercharge Your Commercial Sourcing - and there will be a live demo from Nadir about how to use Searchland for your sourcing.  Click this link to register https://hub.commercialpropertyacademy.co.uk/home--searchland-webinar

Learn More from This Episode’s Guest:

Ian Walmsley is an experienced entrepreneur who loves Planning, Property, Drones, Travel and is very much a family man. But what makes him tick?

Referred to as a ‘Walking Encyclopaedia’ by a mentor he developed a passion for planning in 2015 having got fed up with inaccurate information on some websites as to what was possible with property or land that he was looking to develop. He is a mentor, trainer, commercial drone pilot, travel geek – oh and he loves planning!

He now speaks around the UK at property meets, mentorship groups and private companies as a planning geek. His talks are always entertaining and laughter is certainly not banned! You really do not want to miss out on his golden nuggets as one statement might make you a lot of money in the year ahead!

🌐https://planninggeek.com
✉️office@planninggeek.co.uk

Pilot Episode - Welcome to the Commercial Property Podcast

Host: Suzi Carter
Episode Title: Welcome to the Commercial Property Podcast

Welcome to the very first episode of the Commercial Property Podcast, hosted by Suzi Carter, a chartered surveyor with over 30 years of experience in the UK commercial property sector. Suzi has an extensive corporate background, having completed hundreds of commercial property deals. Now an investor herself, she helps SME investors navigate and thrive in the world of commercial real estate.

In this pilot episode, Suzi introduces the podcast, shares her background, and outlines what you can expect from future episodes. Whether you're an experienced investor or just starting to explore commercial property, this podcast is your go-to resource for expert insights, market opportunities, and practical strategies to build your confidence and success in commercial property investing.

What You’ll Learn in This Episode:

1. What the Podcast is All About

   • Education-focused content covering all aspects of commercial property.
   • Interviews with key experts in the field.
   • Updates and insights on market trends and opportunities.

2. Who This Podcast is For:

   • Experienced investors looking to deepen their expertise.
   • Newcomers dipping their toes into commercial property for the first time.
   • Anyone curious about the potential of commercial real estate investing.

3. Why Commercial Property Doesn’t Have to Be Overwhelming:

   • Suzi dispels myths around commercial property being too expensive or complicated.
   • Learn why commercial real estate is accessible and profitable with the right guidance.

4. What’s Coming Next:

   • Weekly episodes packed with actionable tips, expert interviews, and real-world strategies.
   • A journey into understanding how to make commercial property work for you, no matter your experience level.
     
     

Key Takeaway:

Commercial property investing doesn’t have to be intimidating. Suzy is here to guide you through the process, bust myths, and provide the tools you need to succeed—whether you're just starting or ready to take your investments to the next level.

Subscribe & Stay Tuned:

Don’t miss an episode! Hit Subscribe now to get weekly updates and start your journey to commercial property success.

Connect with Suzi:

• Website - https://suzicarter.com
• Are You Ready To Invest in Commercial? - https://commercialpropertyscorecard.scoreapp.com 
• Join Suzi's Commercial Property Quickstart - https://www.commercialpropertyacademy.co.uk/quickstart
• Connect with Suzi - https://www.linkedin.com/in/suzicarter-commercialpropertycoach/ 

Next Episode:
Catch the next episode, where Suzi dives into the key benefits of commercial property investing and why now might be the perfect time to start.

Episode 10 - Starting With the End in Mind - How to plan your property purchases and do inheritance tax planning - with Andrew Drakes

Host: Suzi Carter
Episode Title: Starting With the End in Mind - How to plan your property purchases and do inheritance tax planning - with Andrew Drakes

In this episode, Suzi Carter and Andrew Drakes delve into the complexities of inheritance tax planning, particularly in relation to property investment. They discuss the importance of early planning, the role of wills and trusts, and the various types of trusts available. 

Andrew emphasizes the need for a solid foundation in estate planning to avoid future headaches for heirs. The discussion also covers the implications of business trusts, the differences between holding and selling assets, and the critical role of life insurance in managing inheritance tax liabilities. 

The episode concludes with a call to action for listeners to seek professional advice to ensure their estate planning is effective and tailored to their individual circumstances.
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What You’ll Learn in This Episode:  

1. Understanding Inheritance Tax Liabilities

• How inheritance tax affects property investors
• Key factors that determine tax liability
• Strategies to reduce the tax burden

2. The Importance of Wills and Trusts

• Why a will is essential for estate planning
• How trusts can protect assets and reduce taxes
• Common mistakes to avoid when setting up a will or trust

3. Types of Trusts and Their Benefits

• Overview of different trust structures
• How each trust type impacts inheritance tax
• Choosing the right trust for your estate planning goals

4. The Role of Life Insurance in Estate Planning

• How life insurance helps cover inheritance tax liabilities
• Structuring policies for maximum tax efficiency
• Integrating life insurance with wills and trusts

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Key Takeaways:

• Inheritance tax planning is crucial for all investors
• Trusts can protect assets from inheritance tax.
• Selling assets requires different tax considerations than holding them.
• Life insurance can provide necessary liquidity for tax payments.
• Understanding tax-free allowances is essential for estate planning.
• Professional advice is key to effective estate planning.

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Subscribe & Stay Tuned:

Don’t miss an episode! Hit subscribe now to gain more insights into commercial property investing and tax strategies.

I’m hosting a free live webinar on Wednesday, 19th February 2025, at 12:30 PM, alongside finance expert Jonny Dunn and pension strategist Kevin Whelan, to show you exactly how to Find, Fund & Supercharge a Profitable Commercial Property Portfolio. You can click this link here to register https://wealthbuilders.co.uk/supercharge-commercial-property-suzi

Sign Up to receive Suzi’s weekly newsletter with lots of commercial Property hints and tips  - click the link at https://suzicarter.com 

Learn More from This Episode’s Guests:

Andrew Drakes is a fully STEP-qualified estate planner with a Diploma in Financial Planning and over 10 years of industry experience. Specializing in trust and inheritance tax planning for high-net-worth clients, Andrew combines expertise in estate planning with a strong background in financial services.  

Known for an analytical and solution-focused approach, Andrew thrives on solving complex estate planning challenges. Rather than relying on "off-the-shelf" solutions, he takes pride in working with CTT Private Client, where he has the freedom to think creatively and develop tailored strategies that best serve each client’s unique circumstances.  

Empathy is central to their practice. As a people-oriented professional, Andrew takes the time to truly understand clients' needs, ensuring their estate plans are personalized, effective, and aligned with their long-term goals.

✉️ andrewd@ctt-group.co.uk 
📳01926 514 390 Ext 150

Use the code CPAINTRO to get a free fact finding call with Andrew

Host: Suzi Carter
Episode Title:  Secondary Offices - one of the best priced opportunities in the market right now!

In this episode, Suzi Carter delves into the evolving landscape of office spaces in the post-COVID-19 era. She highlights the shift towards flexible work arrangements and discusses how these changes are influencing the demand for high-quality, grade A office spaces.

Suzi also covers the opportunities that exist in distressed markets, offering insights into how investors and property owners can identify potential in struggling areas. She shares various strategies for repurposing and converting office properties to meet new demands, including adaptive reuse projects and turning office buildings into mixed-use spaces.

Overall, the episode provides valuable insights into how the office real estate market is changing and what investors, landlords, and tenants need to consider as they navigate this evolving landscape.

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What You’ll Learn in This Episode:

1. The Evolution of Office Spaces Post-COVID

• How remote work and hybrid models have reshaped office demand
• Adapting to the new normal in office property investments

2. Challenges of Secondary Office Spaces

• Why secondary office spaces face higher vacancy rates
• Strategies to increase tenant interest and reduce turnover

3. Opportunities in Distressed Office Markets

• Identifying value in struggling office properties
• How to capitalize on market shifts and distressed assets

4. Exploring Conversion to Residential

• The potential for converting office spaces into residential units
• Key planning and regulatory considerations

5. Navigating the Future of Office Investments

• Long-term trends and strategies for office market success
• How to future-proof your office property investments

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Key Takeaways

• Grade A spaces are in high demand and limited supply.
• Secondary offices are struggling and often vacant.
• Repurposing offices can lead to multiple income streams.
• Understanding local market dynamics is crucial.
• Due diligence is essential before making purchases
• Exploring conversion options can enhance property value.
  
  

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Subscribe & Stay Tuned:

Don’t miss an episode! Hit subscribe now to gain more insights into commercial property investing 

Visit https://suzicarter.com/ to find out more about commercial property and to register for Suzi’s weekly newsletter which will deliver up-to-date commercial property advice direct to your inbox!

Follow Suzi on YouTube at https://www.youtube.com/@commercialpropertytv1685

Host: Suzi Carter
Episode Title: How to Appraise Commercial Property Deals

In this episode of the Commercial Property Podcast, Suzi Carter discusses how to evaluate commercial property deals effectively. She emphasizes the importance of understanding what constitutes a good deal for individual investors, including factors like desired returns, investment strategies, and personal criteria.

She covers practical steps for appraising deals, utilizing PropTech for analysis, building relationships with agents, and conducting effective property viewings. 

She also highlights the significance of establishing credibility with agents and exploring multiple exit strategies to maximize investment potential. Finally, she stresses the importance of financial considerations and due diligence in the property investment process.

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What You’ll Learn in This Episode:

1. Understanding Good Deals in Commercial Property

• Defining what makes a deal "good" based on investor goals
• Key factors to consider when assessing commercial properties

2. Practical Steps for Appraising Deals

• Step-by-step methods for evaluating investment opportunities
• How to assess risk, returns, and long-term potential

3. Utilizing PropTech for Property Analysis

• How technology can streamline deal evaluation
• The best PropTech tools for data-driven investment decisions

4. Conducting Effective Property Viewings

• What to look for during site visits
• How to ask the right questions and spot potential red flags

5. Financial Considerations and Due Diligence

• The importance of financial assessments before closing a deal
• Ensuring compliance, feasibility, and risk mitigation

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Key Takeaways

• Understand your investment criteria before looking at properties.
• Niching down can lead to better deal appraisal.
• Establish credibility with agents to build relationships.
• Explore multiple exit strategies for each property.
• Utilize PropTech for accurate property analysis.
• Engage with your broker early in the investment process.

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Subscribe & Stay Tuned:

Don’t miss an episode! Hit subscribe now to gain more insights into commercial property investing and tax strategies.

Every six months Suzi opens the doors to her small group mentoring programme “The Board”.  The next Board starts in March 2025, and there are limited spaces left.  The doors are open but will close again shortly  - click here to find out more or book a call at https://hub.commercialpropertyacademy.co.uk/new-join-the-board

Visit https://suzicarter.com/ to find out more about commercial property and to register for Suzi’s weekly newsletter which will deliver up-to-date commercial property advice direct to your inbox!

Follow Suzi on You Tube at https://www.youtube.com/@commercialpropertytv1685

Episode 3 - Building Wealth with Commercial Property (Unlocking the Power of SSAS for Commercial Property Investment)
Host: Suzi Carter
Guest: Kevin Whelan, Founder of WealthBuilders

In this episode of the Commercial Property Podcast, Suzi Carter is joined by wealth-building expert Kevin Whelan to discuss the incredible potential of SSAS pensions for wealth creation and commercial property investing. With over 30 years of financial expertise, Kevin explains how taking control of your pension can unlock a powerful tool for creating wealth, particularly through commercial property.

Together, Suzi and Kevin explore the unique benefits of SSAS pensions, how they differ from SIPPs, and why they’re such a game-changer for business owners and property investors.

If you’re curious about using your pension to accelerate your property journey or looking to gain clarity on SSAS opportunities, this episode is packed with actionable insights and inspiring stories.

What You’ll Learn in This Episode:

1. What is a SSAS Pension?

   • The fundamentals of a SSAS (Small Self-Administered Scheme) and how it enables greater control over your investments.
   • The distinction between SSAS and other pension schemes like SIPPs.

2. Why a SSAS is a Game-Changer for Commercial Property Investors:

   • How SSAS allows you to invest directly in commercial property or lend funds to your business.
   • The ability to pool resources with family members and create a “family bank.”

3. How to Build Wealth Inside and Outside Your Pension:

   • Strategies for using SSAS to generate tax-free income and capital growth.
   • Lending to your business through a SSAS loan-back facility and using it to fund investments today.

4. The Collaborative Advantage:

   • Why embracing the "Who Not How" mindset accelerates success.
   • Building a power team of professionals to optimise your wealth-building strategy.

5. Real-Life Success Stories:

   • How investors have leveraged SSAS to transform their financial futures through commercial property.

Key Takeaway:

SSAS pensions are one of the most versatile and powerful tools for commercial property investors, enabling greater control, collaboration, and wealth creation. Whether you’re looking to build income for today or secure your future, this episode highlights why SSAS should be on every investor’s radar.

Subscribe & Stay Tuned:

Don’t miss an episode! Hit Subscribe now to gain expert insights and accelerate your journey to commercial property success.

Connect with Suzi & Kevin:

• Website: https://suzicarter.com
• Explore SSAS with Kevin Whelan: https://www.wealthbuilders.co.uk/commercialproperty
• Ready to Invest in Commercial Property?: https://commercialpropertyscorecard.scoreapp.com
• Join the Commercial Property Quickstart: https://www.commercialpropertyacademy.co.uk/quickstart
• Connect with Suzi on LinkedIn: https://www.linkedin.com/in/suzicarter-commercialpropertycoach/

Episode 4 - Building Your Power Team for Commercial Property Investing
Host: Suzi Carte

In this episode of the Commercial Property Podcast, Suzi Carter breaks down one of the most critical elements of successful commercial property investing: building your team.

Drawing from her 30+ years of experience in the commercial property industry, Suzi shares insights on the key professionals you need in your corner to invest safely, efficiently, and profitably.

Whether you’re just starting out or looking to optimise your existing investments, this episode is packed with actionable advice to help you build a team that can save you money, mitigate risks, and unlock opportunities.

What You’ll Learn in This Episode:

1. Why Teamwork is Crucial for Success:

   • The importance of surrounding yourself with the right professionals to avoid costly mistakes.
   • How a collaborative approach can elevate your investing journey.

2. The Essential Players in Your Commercial Property Power Team:

   • Commercial Solicitors: Why a specialist is non-negotiable for lease renewals, rent reviews, and property transactions.
   • Property-Specific Accountants: The tax-saving strategies and structuring advice that can optimise your investments.
   • Finance Brokers: How they can unlock the "art of the possible" and secure the best deals for your needs.
   • Capital Allowances Surveyors: The massive tax advantages they can help you claim and why 95% of property owners leave money on the table.
   • Building Surveyors: Ensuring you know what you’re buying and avoiding unexpected repair costs.
   • Commercial Agents: Building relationships to access off-market deals and maintain credibility.

3. Specialist Roles You May Need Along the Way:

   • Managing agents to oversee multi-let properties.
   • Dilapidation surveyors to enforce tenant repair obligations.
   • Landlord and tenant surveyors for rent reviews and lease renewals.

4. How to Build and Maintain Great Relationships:

   • Tips for working effectively with agents and other professionals.
   • Why commercial property is a relationship-driven business.

Key Takeaway:
Commercial property investing isn’t a solo game. To invest safely and maximise returns, you need a strong team of specialists who can provide expert advice, unlock opportunities, and handle the complexities of the market. Building the right team is an investment in your success.

Subscribe & Stay Tuned:
Don’t miss an episode! Hit Subscribe now to gain expert insights and accelerate your journey to commercial property success.

Connect with Suzi:

• Website: https://suzicarter.com
• Ready to Invest in Commercial Property?: https://commercialpropertyscorecard.scoreapp.com
• Join the Commercial Property Quickstart: https://www.commercialpropertyacademy.co.uk/quickstart
• Connect with Suzi on LinkedIn: https://www.linkedin.com/in/suzicarter-commercialpropertycoach/

Episode 5 - Opportunities in Commercial Property for 2025

Host: Suzi Carter

As we enter 2025, the commercial property market presents a unique set of opportunities for investors. In this episode, Suzi Carter unpacks her insights, based on over 30 years of experience, to help you understand where the market is heading and how to capitalise on the current "window of opportunity."

Whether you’re a seasoned commercial investor or just starting out, this episode will equip you with the knowledge and strategies needed to make informed decisions in this evolving market.

What You’ll Learn in This Episode:

1. Current Market Insights

• The impact of the 2022 mini-budget and where the market stands now.
• Which sectors are stabilising, rising, or falling—spotlight on secondary offices, industrial, and retail warehouses.
• Why "the window of opportunity" for buying at the right price remains open in 2025.

2. Preparing for Market Risks

• How to plan for potential "black swan" events and economic shifts.
• The importance of being prudent with financing and protecting your downside.
• Why contingency planning and multiple exit strategies are essential for successful investing.

3. Key Strategies for 2025

• Investing for yield vs. yield compression—how to decide which approach suits your goals.
• The power of "easy money" through paper-based asset management:
  • Letting vacant properties and achieving value uplift.
  • Subdividing space to meet demand and maximise rent.
• The importance of due diligence and understanding local market dynamics.

4. Planning Your Investing Journey

• How to align your life goals with your investing strategy.
• Why starting with the end in mind is crucial for building a portfolio that supports your ideal life.

Key Takeaway:

2025 offers significant opportunities for commercial property investors who are ready to act. By understanding market dynamics, protecting against potential risks, and focusing on smart, strategic investments, you can position yourself for success in this evolving market.

Subscribe & Stay Tuned:

Don’t miss an episode! Hit subscribe now to stay ahead of the curve in commercial property investing.

Connect with Suzi:

• Website: https://suzicarter.com
• Are You Ready to Invest in Commercial?: https://commercialpropertyscorecard.scoreapp.com
• Join Suzi's Commercial Property Quickstart: https://www.commercialpropertyacademy.co.uk/quickstart
• Connect on LinkedIn: https://www.linkedin.com/in/suzicarter-commercialpropertycoach/

Episode 11 - Commercial Property Sectors and How They Work

Host: Suzi Carter
Episode Title: Commercial Property Sectors and How They Work

In this episode, Suzi Carter dives into the complexities of commercial property investment, breaking down key sectors such as retail, office, industrial, and alternative markets. She emphasizes the importance of keeping it simple, niching down to target specific markets for higher returns, and understanding shifting tenant demands.  

The discussion also explores the impact of COVID-19 on different sectors, the evolving landscape of commercial real estate, and the opportunities available in today’s market. 

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What You’ll Learn in This Episode:

1.  Understanding Commercial Property Investment

• Key sectors: retail, office, industrial, and alternative markets
• Why simplicity is key in navigating commercial real estate
• The benefits of niching down for higher returns

2. The Impact of COVID-19 on Retail and Office Spaces

• How the pandemic reshaped tenant demand
• The shift in retail and office occupancy trends
• Strategies for adapting to the post-COVID market

3. Industrial and Alternative Sectors: Opportunities and Trends

• Growth in industrial and logistics spaces
• Emerging opportunities in alternative sectors
• How to identify high-potential investment areas

4. Niche Strategies for Successful Commercial Investing

• Why specialisation leads to better returns
• Finding the right market fit for your investment goals
• Key factors to consider when choosing a niche

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Key Takeaways:

• Commercial property investment requires understanding various sectors.
• Niche markets can yield higher than average returns.
• COVID-19 has reshaped the commercial property landscape significantly.
• Retail sector is evolving with changing consumer trends.
• Industrial properties are gaining popularity due to logistics demands.
• Understanding local market dynamics is essential for successful investing.

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Subscribe & Stay Tuned:

Don’t miss an episode! Hit subscribe now to gain more insights into commercial property investing

Suzi's hosting a free live webinar on Wednesday, 19th February 2025, at 12:30 PM, alongside finance expert Jonny Dunn and pension strategist Kevin Whelan, to show you exactly how to Find, Fund & Supercharge a Profitable Commercial Property Portfolio. You can click this link here to register https://wealthbuilders.co.uk/supercharge-commercial-property-suzi

Suzi only opens the doors to her highest level of mentoring - The Board - twice a year, and the next Board starts in March.  If you want to fast track your commercial investing and get some great deals in place like her current (and past) Board members you can click here to register your interest https://hub.commercialpropertyacademy.co.uk/new-join-the-board-page

Sign Up to receive Suzi’s weekly newsletter with lots of commercial Property hints and tips  - click the link at https://suzicarter.com 

Host: Suzi Carter
Episode Title: What is Commercial Property

In this foundational episode of the Commercial Property Podcast, Suzi Carter dives into the basics of commercial property. With over 30 years of experience as a chartered surveyor and commercial property investor, Suzi unpacks what defines commercial property, how it differs from residential property, and why understanding this distinction is crucial for investors.

Whether you’re an experienced property investor or just beginning your journey into the world of commercial real estate, this episode sets the stage for everything you need to know about the fundamentals of commercial property.

What You’ll Learn in This Episode:

1. What is Commercial Property?

• Commercial property is defined as property occupied by businesses, with various use classes and valuation methods.
• The key distinction between commercial and residential property lies in valuation methods: commercial properties are typically valued based on the income they generate.

2. The Range of Commercial Property Types:

• From retail, offices, and industrial units to alternative sectors like leisure and hotels, Suzi explains how the wide variety of commercial property creates diverse opportunities for investors.
• Flex units and Class E properties are highlighted as particularly versatile options for investors.

3. Why Niching Matters in Commercial Property Investing:

• Suzi emphasises the importance of focusing on a niche to become an expert in a specific area, whether by property type, location, or investment strategy.
• Niching allows investors to better understand tenant demand, lease terms, rents, and property pricing.

4. Market Trends and Opportunities:

• Suzi explores how trends such as changes in retail, industrial growth, and local infrastructure development impact commercial property opportunities.
• The importance of understanding supply and demand dynamics to identify high-potential areas.

5. How to Get Started:

• Suzi recommends getting out into the market—walking high streets, visiting industrial parks, and talking to agents—to develop an understanding of what’s available and where the opportunities lie.

Key Takeaway:

Commercial property offers diverse opportunities for investors, but success begins with understanding the basics and honing your focus through niching. The market is rich with potential, especially for those willing to learn, explore, and take action.

Subscribe & Stay Tuned: Don’t miss an episode! Hit Subscribe now to get weekly updates and start your journey to commercial property success.

Connect with Suzi:

Website - https://suzicarter.com
Are You Ready To Invest in Commercial? - https://commercialpropertyscorecard.scoreapp.com 
Join Suzi's Commercial Property Quickstart - https://www.commercialpropertyacademy.co.uk/quickstart
Connect with Suzi - https://www.linkedin.com/in/suzicarter-commercialpropertycoach/ 

Host: Suzi Carter
Episode Title: Insurance isn't boring! 70% of property owners are under- insured!

In this episode, Suzi Carter interviews Josh Munt from Insurance Desk, focusing on the critical aspects of commercial property insurance. They discuss the importance of early engagement with insurance brokers, understanding lease obligations, and the significance of reinstatement values.

Josh emphasises the need for thorough policy reviews and the complexities involved in insuring commercial properties, especially during conversions and when dealing with uninsured risks.

The conversation highlights the necessity of being proactive in insurance matters to safeguard investments and ensure compliance with legal obligations.

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What You’ll Learn in This Episode:

1. Understanding the Insurance Process

• A breakdown of the property insurance process
• Key considerations for ensuring proper coverage

2. Lease Obligations and Insurance Requirements

• Understanding insurance responsibilities in lease agreements
• How to ensure compliance with lease terms

3. Navigating Uninsured Risks

• Identifying potential uninsured risks and how to address them
• Tips for protecting your investment from unexpected events

4. Insurance for Property Conversions

• Special considerations when insuring conversions
• Ensuring adequate coverage during and after the conversion process

5. The Role of Flood Insurance

• When and why flood insurance is necessary
• Evaluating flood risk for property investments

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Key Takeaways

• The importance of Insurance is often overlooked in commercial property investing.
• Engage with insurance brokers early in the process.
• Reinstatement values are crucial for adequate coverage.
• Communicate changes in property status to insurers promptly.
• Review insurance policies regularly to ensure adequacy.
• Understanding the details of insurance policies is essential.

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Subscribe & Stay Tuned:

Don’t miss an episode! Hit subscribe now to gain more insights into commercial property investing and tax strategies.

Visit https://suzicarter.com/ to find out more about commercial property and to register for Suzi’s weekly newsletter which will deliver up-to-date commercial property advice direct to your inbox!

Follow Suzi on YouTube at https://www.youtube.com/@commercialpropertytv1685

Learn More from This Episode’s Guests

Insurance-Desk Services is an independent insurance broker specialising in all types of property cover as well as construction, P.I and other commercial risks. For 20 years+, they have beenn providing professional advice, excellent service and competitive premiums.

Insurance can be complicated at the best of times let alone when there are JCT contracts and lenders involved. The insurance provisions are detailed and need to be understood.

🌐 www.insurance-desk.com
✉️ info@insurance-desk.com
📳 01296 329610

Episode 2 - Why Invest in Commercial Property
Host: Suzi Carter
Episode Title: Why Invest in Commercial Property

In the second episode of the Commercial Property Podcast, Suzi Carter explores the reasons why commercial property is a powerful addition to any investment portfolio. Drawing on her 30+ years of experience as a chartered surveyor and commercial property investor, Suzi unpacks the key benefits of commercial property, its role in diversifying investments, and the opportunities it offers for long-term growth and stability.

Whether you’re a residential investor considering a shift to commercial property or a complete beginner, this episode is packed with insights to help you determine if commercial property is the right fit for your goals.

What You’ll Learn in This Episode:

1. Why Commercial Property is a Portfolio Game-Changer

   • How commercial property helps balance risk and return in your investment portfolio.
   • The benefits of longer leases and inflation-linked rent reviews compared to residential properties.

2. The Importance of Knowledge and Preparation

   • Why understanding the commercial market is essential to avoiding mistakes and maximising opportunities.
   • How to spot value-add opportunities like lease restructuring, tenant negotiations, and asset management.

3. Different Ways to Invest in Commercial Property

   • Indirect options like property funds and REITs for hands-off investors.
   • Direct investments, including secure long-term leases and hands-on asset management strategies.

4. The Tax Advantages of Commercial Property

   • Insights into capital allowances, stamp duty benefits, and VAT considerations.
   • How these tax perks can significantly enhance your returns.

5. Finding the Right Tenants and Properties

   • The importance of tenant covenant checks and securing inflation-linked rent reviews.
   • Why niching and targeting high-demand, low-supply markets can deliver standout returns.

Key Takeaway:

Commercial property offers investors a wealth of benefits, from long leases and tax advantages to unique value-add opportunities. While it’s not for everyone, it’s an asset class with unparalleled potential for those willing to learn and take action.

Subscribe & Stay Tuned:
Don’t miss an episode! Hit Subscribe now to gain expert insights and start your journey to commercial property success.

Connect with Suzi:

Website: https://suzicarter.com
Are You Ready To Invest in Commercial?: https://commercialpropertyscorecard.scoreapp.com
Join Suzi's Commercial Property Quickstart: https://www.commercialpropertyacademy.co.uk/quickstart
Connect with Suzi on LinkedIn: https://www.linkedin.com/in/suzicarter-commercialpropertycoach/

Episode 12 - Niching your Commercial Investing - the only game in town!

Host: Suzi Carter
Episode Title: Niching your Commercial Investing - the only game in town!

In this episode, Suzi Carter explores the importance of niching in commercial property investment and how investors can simplify their strategies by focusing on specific market segments. She explains the complexities of the commercial property sector and how narrowing your focus can lead to higher returns and stronger industry relationships. 

Suzi highlights the value of identifying your strengths, conducting thorough research, and recognizing market opportunities to build a successful investment strategy. She also discusses the benefits of contrarian investing and how thinking differently can help create long-term value in commercial real estate.

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What You’ll Learn in This Episode:

1. Understanding Commercial Property Niches

• Breaking down the complexities of commercial property investment
• How focusing on a niche can simplify your strategy and boost returns

2. Identifying Your Strengths and Opportunities

• Aligning your expertise with the right market segment
• Conducting research to uncover profitable investment opportunities

3. Creating Value Through Strategic Niching

• How a targeted approach leads to long-term success
• The role of contrarian investing in maximizing value

4. Building Relationships and Recognizing Opportunities

• Leveraging industry connections to gain a competitive edge
• Understanding market trends and investor demand

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Key Takeaways

• Niching allows for a more focused investment strategy.
• Understanding the complexity of commercial property is crucial.
• Investors should play to their strengths when choosing a niche.
• Researching market trends is essential for successful investing.
• Building relationships in your niche can provide early access to properties.
• Simplicity in strategy can lead to greater success.
• Starting your research is the first step to finding a niche.

______________________________________________________________

Subscribe & Stay Tuned:

Don’t miss an episode! Hit subscribe now to gain more insights into commercial property investing and tax strategies.

Suzi's hosting a free live webinar on Wednesday, 19th February 2025, at 12:30 PM, alongside finance expert Jonny Dunn and pension strategist Kevin Whelan, to show you exactly how to Find, Fund & Supercharge a Profitable Commercial Property Portfolio. You can click this link here to register https://wealthbuilders.co.uk/supercharge-commercial-property-suzi

Every six months Suzi opens the doors to her small group mentoring programme “The Board”.  The next Board starts in March 2025, and there are limited spaces left.  From Monday 17th February, the doors will open again - click here to find out more or book a call at https://hub.commercialpropertyacademy.co.uk/new-join-the-board

Visit https://suzicarter.com to find out more about commercial property and to register for Suzi’s weekly newsletter which will deliver up-to-date commercial property advice direct to your inbox!