The Progressive Property Podcast

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ Six out of every 10 properties sold in London last year were flats, and of the sales where the owner lost money, nine out of 10 were flats. Landlords and investors see those two numbers, and they reach the same conclusion: avoid flats completely. But the very thing that makes flats lose money is about to be abolished. That thing is leaseholds. This year the government confirmed a new law to abolish it.  By the end of this podcast, you'll know the three charges that make leasehold flats so expensive to own that banks refuse to lend on them, what the new law actually changes and when, and how educated investors can buy the right flats at today's lower prices before the rules change. If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS Nine out of 10 London properties that sold at a loss last year were flats - the price gap between houses and flats is now the widest in 30 years. A pattern you see repeated across much of the UK. Service charges above 1% of a flat’s value that are still increasing fast, ground rents above 0.1%, lease lengths dropping below 80 years and other leasehold related factors have all made flats harder to mortgage. These all feed into there being fewer buyers, which is depressing prices. The government’s proposed leasehold reforms target the very problems that have made flats unattractive, including banning new leasehold flats, capping ground rents, making service charges more transparent and abolishing forfeiture. The reforms are proposals, so their full implementation is a long way off. So, flats are being priced today under the old leasehold rules. Educated investors who buy the right flats at today’s prices, before the rules change and the market resets, when the rate at which flat prices rise is likely to accelerate. BEST MOMENTS  "The thing that makes flats lose money is about to be abolished."  "When you buy a leasehold flat, you've bought a very long, very expensive rental agreement."  "If you already own flats, this is why the valuations have been so poor. And if you don't own any yet, don't disqualify them yet, because there is a massive opportunity lying in wait."  “Buy the wrong flat at the wrong price without those checks, and you become one of the trapped owners.” VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk https://www.tiktok.com/@progressiveproperty https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g https://twitter.com/progperty https://www.linkedin.com/company/progressiveproperty https://www.instagram.com/progressiveproperty https://www.facebook.com/groups/progressivepropertycommunity https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ Right now, Andy Burnham is rolling out a new first-time buyer scheme, which will allow you to buy a house for an average of 5750 pounds. In theory, for those not on the property ladder, this sounds good. But in practice, could you be walking into one of the biggest government scams in history?  Could the impact on everyone in the wider property market actually be catastrophic?  In this episode, I will be covering the biggest pitfalls that they don't want you to know, that reveal why the scheme is not all it's cracked up to be.  If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS Andy Burnham's new first-time buyer scheme carries major hidden pitfalls that could severely impact the wider property market. The scheme applies strictly to new builds, which carry premium prices and immediately depreciate. Ultimately, the scheme creates a guaranteed order book and rescue plan for developers. Over 90% of new build buyers report defects due to corners being cut by the builder. A low deposit structure carries extra risk too. For example, a £5,000 deposit, £40,000 government loan, £155,000 mortgage means you borrow 97.5% of the property's value while owning only 2.5%, putting you at immediate risk of negative equity, unable to move or remortgage to get a lower rate. The government's 20% contribution is an equity loan rather than a fixed debt or gift. So, if the property's value rises, the amount you owe the government rises right along with it.  If you use your own money  to add value, such as installing a new kitchen, the government's equity stake still takes a 20% cut of that added value upon repayment, with no discount for your investment. Relying on government handouts or schemes fails to provide financial security.  BEST MOMENTS "It's dressed up as help for first-time buyers, but in practice, it functions as a guaranteed order book for house builders."  " The FCA itself warned that help-to-buy borrowers faced fewer remortgage options than ordinary homeowners and a bigger risk of falling into negative equity."  Stop waiting for government schemes that trap you in fine print and start building real financial independence. At Progressive we show you how. Just sign up for our next free webinar -  https://progressiveproperty.co.uk/profit-from-property-webinar VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk https://www.tiktok.com/@progressiveproperty https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g https://twitter.com/progperty https://www.linkedin.com/company/progressiveproperty https://www.instagram.com/progressiveproperty https://www.facebook.com/groups/progressivepropertycommunity https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ If you’re a landlord or property investor, growing rental income can bring a new set of problems. The accountant who handled your first deal may not know how to structure your next one, their lack of experience can cost you dearly. I went from being a full-time schoolteacher to earning over £10,000 a month through property in just under 18 months. But when the money and the time started coming in, nobody told me what to do next - that cost me. So, today, I am sharing 7 upgrades to consider as your portfolio grows. I cover how to get property specialists on your team, delegate low-value tasks, automate property management, evolve your investment strategy, review your company structure, and learn from those further ahead of you. Of course, some of those decisions are complex so you will need to seek advice from qualified specialists, especially those related to your tax or company structure. If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS An accountant who specialises in property can help structure your finances; e.g. explain how Section 24 affects your numbers and whether a purchase should go through a company. As your portfolio grows, consider whether a holding-company structure or SSAS fits your circumstances best. To decide this, seek specialist advice from professionals with property business experience. Delegate routine management and automate rent and compliance tracking to reclaim time and avoid missed deadlines. Your time is worth far more per hour than you would pay most people. Review whether your strategy still fits your assets, such as whether a single let could work as an HMO. Keep learning alongside investors further ahead. BEST MOMENTS  "A generalist accountant just files whatever numbers you hand them, but a property specialist can structure them. And one proper conversation with them usually saves more than a year off their fees."  "If you become the most successful investor in every room you sit in, your growth now has a ceiling."  "Changing company structure like this depends entirely on your circumstances and on your exit plan."  Want to avoid learning every property lesson the hard way? Join our free virtual property event and hear where the experts got it wrong - https://progressiveproperty.co.uk/beginner-property-secrets SAAS episode - https://podcasts.apple.com/ie/podcast/how-to-find-new-sources-of-money-for-your-property/id1176574597?i=1000732731927 VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk https://www.tiktok.com/@progressiveproperty https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g https://twitter.com/progperty https://www.linkedin.com/company/progressiveproperty https://www.instagram.com/progressiveproperty https://www.facebook.com/groups/progressivepropertycommunity https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ We have just witnessed one of the biggest changes to hit property in years, and it's something we've never covered on this channel before. If you're buying, selling, investing, or planning to in the next few years, then this affects you. I'm talking about the new legislation the government has just laid out that affects every house sale in England and Wales.  Right now, around one in three agreed sales collapses before completion. The average sale takes 120 days after the offer is accepted. That's about 60% longer than the same process took back in 2007.  Failed sales cost buyers and sellers £400 million per year. That doesn't just highlight a small inefficiency. That's a completely broken system, and the government's now finally trying to fix it.  So, in this episode, I'll be breaking down the legislation changes and the key points to save you having to work it all out. Make sure you stick around till the end because I'm going to tell you how to get ahead of this before any of it becomes law. This is an extremely important change for anyone in the property market, whether you want to buy or sell.  If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS Currently, around one in three agreed sales in England and Wales collapses before completion. Offers aren’t binding until exchange, creating months of delay, wasted costs and room for either side to walk away or change the price late in the process. Something the government is working to change. The proposed reforms would make searches, property condition, and leasehold costs available when the property is put on the market. When you know how to read and interpret these documents properly you are better able to create and propose profitable deals. You’ll need to be certain that the numbers work because in the future walking away without a valid reason could mean paying a penalty.  Investors who prepare now and develop stronger deal-analysis skills will be able to find  more profitable opportunities under today’s rules whilst also making sure that they are ready for the proposed changes. BEST MOMENTS  "The rules of buying and selling are changing in favour of the educated -  make sure that includes you."  "Each of those things might sound boring on its own, but together they remove the real reason a sale takes 120 days."  "The gap between now and then is the opportunity."  VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk https://www.tiktok.com/@progressiveproperty https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g https://twitter.com/progperty https://www.linkedin.com/company/progressiveproperty https://www.instagram.com/progressiveproperty https://www.facebook.com/groups/progressivepropertycommunity https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ This year, about 1.8 million households in this country, including a huge number of landlords, will get a letter from their bank. Inside it is the date their cheap fixed-rate mortgage deal expires, and when that date arrives, their monthly mortgage payment jumps by about £400 on average. Now, if you're a landlord with a mortgage on a rental property, your monthly payment can triple three times as much.  It happened with my own property, where my rates nearly tripled overnight. But the size of that increase is not the real story here. The real story is that educated investors actually want these letters to arrive because every one of those 1.8 million letters lands with an owner who may soon need to sell, which means a property that could be bought below its market value before an estate agent ever sees it.  By the end of this episode, you'll know: why landlords are being hit three times harder than homeowners, how to buy discounted properties from landlords whose cheap fixed-rate deals are ending, and how to do it safely so the deal actually makes you money. If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS Around 1.8 million low-rate fixed mortgages expire in 2026, creating sharp mortgage payment rises that will hit landlords hardest. When rent no longer covers the mortgage, tax and running costs, profitable rentals quickly become loss-making, leaving landlords desperately needing a fast sale. Under pressure, many landlords choose auctions or a direct sale as a way out. It is faster and the sale is more likely to be completed so they will often accept a below-market price. Educated investors can easily find and safely fund these sales. They can buy sound properties below market value, with equity built in from day one. BEST MOMENTS  "The real story is that educated investors actually want these letters to arrive because every one of those 1.8 million letters lands with an owner who may soon need to sell."  "That's why the best of these deals never appear in Rightmove; they're sold before an estate agent ever even is involved."  "That test is the difference between buying an asset and buying the seller's problem off them at a discount. It's a skill set, and it can be learned."  EPISODE RESOURCES Previous fixed rate mortgage opportunity episode - https://podcasts.apple.com/us/podcast/how-educated-property-investors-are-turning-the/id1176574597?i=1000785730543 VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOSTS Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.   CONTACT https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk https://www.tiktok.com/@progressiveproperty https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g https://twitter.com/progperty https://www.linkedin.com/company/progressiveproperty https://www.instagram.com/progressiveproperty https://www.facebook.com/groups/progressivepropertycommunity https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ Right now, the UK government are enforcing a two-tier tax system for its citizens. On the one side, hardworking people are being forced to bleed their wages, are being heavily taxed on their property, and being punished for trying to invest. On the other side, the government are being outsmarted by another group who have learned, understood, and used strategies to keep more of their hard-earned cash to build wealth and financial freedom.  In this episode, I share five legal strategies investors use to make more and keep more. Why it is becoming increasingly dangerous to stay a normal saver, and the mistakes that investors make that cross the line from legal to illegal practices, and how you can avoid doing the same. Before we get into the episode, please remember that this does not constitute financial advice -  these are the principles I adopt as a professional investor, principles that save me 10s of £1000s every single year.  If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS Educating yourself, staying up to date and adapting is essential. Those that simply use the most popular strategies often end up seeing their once highly profitable businesses begin to fail. Owning a rental personally or through a company can lead to different tax outcomes. Section 24 may restrict mortgage-interest relief for individual landlords, while companies have different tax implications. Buying a property-owning company’s shares can mean a different stamp-duty bill from buying its properties, but you also take on the company’s history. Due diligence is essential. Option agreements can secure the right to buy later, but each deal requires careful, professional legal drafting. Remortgaging may release cash without selling, but it remains borrowing. Debt has to be serviced, and higher rates or falling rents can increase leverage risk. BEST MOMENTS "There's a good reason we teach it in a room rather than reading it out in YouTube. Done without the right checks, this strategy can cost you far more than it saves."  "The educated investor asked a different question: How do I use the growth of my property value without selling it?" “I did this very thing with one of my own properties recently and made over £70,000 pounds.” if you want the full education, not just five strategies, but the whole deep dive taught properly, we are currently running a free webinar- MSOPI – Multiple Streams of Income: VALUABLE RESOURCES https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.    CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk https://www.tiktok.com/@progressiveproperty https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g https://twitter.com/progperty https://www.linkedin.com/company/progressiveproperty https://www.instagram.com/progressiveproperty https://www.facebook.com/groups/progressivepropertycommunity https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ This year, about 1.8 million households, including a huge number of landlords, will get a letter from their bank. Inside is the date their cheap fixed-rate mortgage deal will expire - When that date arrives, their monthly mortgage payment jumps by about £400 on average, and it will often be much worse for landlord. Many with a fixed-rate mortgage on a rental property, will see their monthly payment triple, leaving them out of pocket every single month they carry on renting that property out. By the end of this episode, you'll know why landlords are being hit three times harder than homeowners, how to buy discounted properties from landlords whose cheap fixed-rate deals are ending, how to do it safely so the deal actually makes you money and  do it in a way which benefits everyone involved. If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS 1.8 million ultra‑cheap fixed‑rate mortgages are ending, this year. So, many landlords are seeing their replacement monthly mortgage payment treble. Profitable rental properties can easily become loss‑makers that landlords need to sell quickly so they can stop haemorrhaging money. For educated investors the fixed term mortgage time bomb is a huge opportunity. Writing to landlords directly who may need to sell fast, creates a win-win. The seller pays no agents fees and because they need a fast clean way out, they will often sell below market value. Even at today´s interest rates, the new owner has the freedom to structure the deal differently and turn a property haemorrhaging money into one that makes a profit. Those investors who learn how to find, price, and fund interest rate shock deals will add properties to their portfolio that have equity built in. BEST MOMENTS  "1.8 million of those cheap fixed-rate mortgage deals expire during 2026 this year."  “They're often the best outcome the seller has: a fast, fair, certain sale, instead of missed payments, repossession, and a wrecked credit file."  "Because what they (landlords) need most is a quick, certain sale, they'll usually accept a price below what the property is really worth."  VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk https://www.tiktok.com/@progressiveproperty https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g https://twitter.com/progperty https://www.linkedin.com/company/progressiveproperty https://www.instagram.com/progressiveproperty https://www.facebook.com/groups/progressivepropertycommunity https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events: https://www.progressiveproperty.co.uk/raf/ Right now, in Westminster, there are people deciding how much it should cost you to keep living in your own home. A bill you pay every year for having a roof over your head. And most of the people who'll end up paying it have no idea it's coming. They think this is a tax on rich people, on mansions, on someone else.  In this episode, I'm going to show you using the government's own numbers, how that someone else slowly turns into you. I walk you through exactly what they want to do, step by step. And right at the end, I'll show you the one group of people who actually come out of this better off and how to make sure you are among them. If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS Landlords could face a significant new squeeze as costs currently paid by tenants are transferred to them, while the tax bill when they eventually sell could also increase. That changes the numbers on every property in the portfolio. For an unprepared landlord, the danger isn't simply paying more tax. The combination of higher costs and tighter restrictions can turn a property that once produced a healthy return into an asset that no longer makes financial sense to hold. As smaller landlords decide to sell, the resulting reduction in rental supply creates problems for tenants but it is also an opportunity for those investors who are ready to act.  Those who understand how to structure their purchases and property portfolio correctly will find bargain deals, keep their tax bills down, grow and thrive for the long term. BEST MOMENTS  “Every single time the government raises taxes, it creates an opportunity for educated people to make money, and that's what we teach here at Progressive Property.”   “The government has set that mansion tax line at £2 million and frozen it there. One by one ordinary homes rise in value until they cross that line.” “Under this plan, that flips completely - overnight tenants save around £200 a month while the landlord is left to foot the bill.” “Wes Streeting wants to tax the profit on your property the same way as they tax your wages. That pushes it from 24% today up to 40% or even 45% for higher earner.” VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk https://www.tiktok.com/@progressiveproperty https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g https://twitter.com/progperty https://www.linkedin.com/company/progressiveproperty https://www.instagram.com/progressiveproperty https://www.facebook.com/groups/progressivepropertycommunity https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ Here's the uncomfortable truth about the Renters Rights Act. They told renters this law would protect them, make renting fairer, safer, and cheaper. So, here's the question nobody in government wants to answer - Why the very people this law was built to help, are ending up with fewer homes, higher rents, and less choice than before it even existed. I'm going to show you what actually happened to rents to the number of homes available and to the landlords themselves, both in the long run up to this law and in the few weeks since it's landed. By the end I think you'll see why so many people on both sides of the rental divide are quietly asking the same thing. Who exactly was this law for?   KEY TAKEAWAYS ·       The Renters’ Rights Act was supposed to make it easier for tenants to find secure and affordable homes – in practice, the opposite has happened. ·       Around 35% of landlords sold or tried to sell in the 12 months before the Act came into force, permanently shrinking the pool of rental properties. ·       Many ex‑rental homes don’t become first‑time buyer bargains. They’re snapped up by larger, often corporate, landlords, concentrating power in fewer hands. ·       In the year to mid‑2024, average private rents rose by 8.6% across England, and by 9.7% in London, then flattened near record highs. ·       For informed investors and would‑be landlords, the chaos is an opportunity: with fewer rental homes, strong yields, and 20+ applicants per property, those who understand the new rules can step into the gap and build profitable, resilient portfolios.   BEST MOMENTS  "You'd naturally assume that a law that protects tenants would lead to more secure rental homes, but a rental home only exists if a landlord is willing to offer it."    "The flat doesn't become someone's first home; it just passes from a small local landlord to a faceless institution."    “The kindest thing you could possibly say is that the law poured a bucket of petrol directly onto a fire that was already lit, and the tenants are the ones standing closest to the flames.”     Market turbulence does not destroy opportunity, it transfers it.    It moves wealth and security away from people who react entirely to fear directly into the hands of the people who take the time to understand the new rules - That's exactly what we teach at Progressive Property – Join our free webinar here - https://progressiveproperty.co.uk/online-training/     VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey.   ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.     CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk  https://www.tiktok.com/@progressiveproperty https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g https://twitter.com/progperty https://www.linkedin.com/company/progressiveproperty https://www.instagram.com/progressiveproperty https://www.facebook.com/groups/progressivepropertycommunity https://www.facebook.com/Progperty   This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ Right now, in 2026, thousands of landlords are quietly dumping perfectly good properties because a journalist told them - “UK rents have cooled to 3%.” They’re reading a single national average as if it were a buy or sell signal. In the process, sleep‑walking past the best buying conditions they’ve seen in years.   In this episode, Mark shows why that headline is technically true but practically useless if you’re deploying capital. He walks through the real ONS and Rightmove data, explains how London has smashed into an affordability ceiling while the Northeast and Midlands still have headroom, and reveals why asking prices can rise even as real values soften. More importantly, he lays out how sophisticated investors are quietly stepping into those nearly 6% rent inflation regions, structuring around stamp duty, and using inflation to devalue their debt while amateur landlords run for the exits. If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS National averages are a terrible way for investors to assess whether it is time to buy or not.  London has hit an affordability ceiling, while the Midlands and Northeast still have wage headroom and rising rents.  Smart investors are ignoring the national mood and targeting specific streets in high‑yield regions. Amateur landlords are panic‑selling in the very regions where tighter supply is likely to push rents higher.  At a time when yields and inflation are quietly working in favour of buyers.   BEST MOMENTS  “The headline isn't wrong, it's just useless.”   “Because of that one headline, landlords across the country are panic selling perfectly good properties this month.” “The market isn't dying. The heat is migrating.” “Navigating this market based on headlines is a massive risk in the current economic climate.”   If you want a complete circuit breaker from the media noise, join Mark’s Multiple Streams of Property Income training that works regardless of market conditions. Bring your deals, your doubts, and your spreadsheets, and walk out with a strategy built to work in today´s market, not the one in the headlines. Spots are limited, so grab yours here: https://progressiveproperty.co.uk/msopi/ VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/ Learn more about your ad choices. Visit megaphone.fm/adchoices