The Property Podcast

Rob Bence and Rob Dix from The Property Hub

The Property Podcast from Property Hub (propertyhub.net) is the podcast for all property investors – new or experienced. Rob Bence and Rob Dix discuss a different property topic and property news item each week, passing on their knowledge and experience to the listeners. They both invest in UK Property so they practise what they preach. No hard sell, no bull just straight talking property investment advice!

Listen in podnod RSS feed Show website

20 episodes
Updated Thursday

Episodes20

Newest first

Thursday · 17 min
Hub Extra's that have stood the test of time
You’ve heard hundreds of Hub Extra recommendations over the years. But which ones actually stuck? Rob & Rob have gone back through a decade of picks to find the ones they’d still recommend today. (00:53) News story of the week (02:50) The books Rob & Rob still recommend to everyone (08:01) YouTube channels worth subscribing to (10:22) The timeless TV shows that are still worth your time (11:12) Podcasts that Rob & Rob strongly rate (12:27) The tech recommendation that’s replaced all the others Links mentioned: Massive growth of landlord companies still accelerating Books: Bad Blood American Kingpin Die With Zero Total Recall Greenlights Outlive Rockefeller Habits Zero To One YouTube channels: Anna Cramling GothamChess IM Alex Banzea Padelactico EverythingPadel Precision Padel The Next New Thing Nate Herk Futurepedia Coffeezilla TV shows: Succession Race Across the World Podcasts: If Books Could Kill My First Million The Missing Cryptoqueen Nothing Much Happens Tech: Tax receipt Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Find out more about Property Hub Invest
Tuesday · 8 min
ASK534: What happens when a good tenant fails referencing? PLUS: How to align your mortgage expiry dates?
Has your tenant been paying perfectly for years, only to suddenly fail their rent referencing renewal? Plus, how do you unlock the equity you need when you’ve got multiple mortgages expiring at different times? Rob & Rob answer two tricky listener questions on this episode. (00:41) Peter’s tenant has been reliable for years, but has just failed a re-referencing check, meaning the rental insurance won’t renew. What should he do? Rob D weighs up whether it’s worth proceeding without cover, and what he can do to get the tenant over the line. (03:19) Philip has three properties, and all the mortgage fixes expire at different times. How does he align them to get the most equity for his next purchase? Rob B explains how further advances work and why speaking to your broker about your strategy upfront can save a lot of headaches. Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Got a question? Send it in here Find out more about Property Hub Invest
July 23 · 24 min
We'd sell every property we own if this happened
Every property investor says they'd never sell up. Rob & Rob aren't every investor - and they've got a surprisingly specific list of things that would make them walk away for good. From rent controls to deflation, they lay out the exact scenarios that would make them walk away from property investing, plus the things that plenty of people worry about but don't bother them at all. (00:56) News story of the week (04:31) The things that wouldn’t stop Rob & Rob investing (09:00) Why a genuine shift in supply and demand is the thing that could end it all (11:45) No leverage, no party - why cash-only property investing isn’t worth the effort (14:25) How sustained deflation would turn property’s greatest advantage into its biggest killer (17:44) Why rent controls would mean no more buying (22:08) Hub Extra Links mentioned: Hamptons analysis of landlord sales The Price of Money - Rob Dix The Week Junior First News Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Find out more about Property Hub Invest
July 21 · 7 min
ASK533: Could your lender pull the rug on your mortgage? PLUS: Should deposits rise with rent?
Could a lender ever pull the rug and demand your mortgage back early? And should you be topping up your tenants’ deposits every time the rent goes up? Your questions are tackled on this week’s Ask Rob & Rob. (00:44) Josh wants to know, due to economic uncertainty, whether a lender could ever demand full repayment before the end of the term - even if he’s never missed a payment. Rob B draws on experience from the last market crash to explain what lenders do when property values drop. (04:35) Luke rents in Hong Kong where deposit top-ups are standard practice. Should he be doing the same with his portfolio in the UK? Rob D explains the logic behind it, and what you need to get right if you do. Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Got a question? Send it in here Find out more about Property Hub Invest
July 16 · 24 min
Market Update - July 2026
A record amount of money is flooding into UK property, yields have hit levels we haven't seen in years, and stamp duty reform is back on the agenda. Rob & Rob explain what it all means for investors right now. So, if you’re wondering what’s really going on with house prices or trying to figure out if now’s the time to act, this one’s packed with signals you won’t want to miss. (00:44) Why the UK’s borrowing position makes the next move so tricky (03:42) House prices are up 2.2% but asking prices just had their biggest June drop in 14 years - what's really going on beneath the surface? (06:18) What do falling swap rates mean for your borrowing power? (10:00) Why individual landlords are leaving while institutions pour in billions (13:01) What the build-to-rent record investment levels mean for amateur landlords (15:36) What stamp duty reform and a home-buying process shake-up would mean for you (19:29) Hub Extra Links mentioned: The Bank of England Interest rates remain at 3.75% Our latest podcast episode on the silent property crash The professionalisation of landlords YouTube video Subscribe to Property Hub’s YouTube channel House prices: Nationwide House Price Index Rightmove House Price Index Mortgages and lending: Swap rates fall below 4% for the first time this cycle The Bank of England Money and Credit release Rents: Goodlord Rental Index RICS residential Market Survey Fleet Mortgages Quarterly Rental Barometer Landlords and the professionalisation of buy-to-let: Savills' Q2 build-to-rent update Interest in becoming a landlord falls in almost every UK city Regulation: Government discussion on stamp duty shake-up Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Find out more about Property Hub Invest
July 14 · 9 min
ASK532: Why are there so many solicitors involved when purchasing a buy-to-let? PLUS: Should I be planning for future tax changes?
Why are so many solicitors involved when buying a buy-to-let? And should you be planning for the worst with prospective tax changes on the horizon? Your questions, answered on this week’s Ask Rob & Rob. (00:41) Colleen’s in the process of buying two buy-to-let properties but has been hit with unexpected legal fees from multiple solicitors. Is it normal to hit this many hurdles? Rob D breaks down why this happens, whether any of it could’ve been avoided, and what “independent legal advice” means. (04:29) Nik’s worried about future potential tax changes. What’s the best way to plan defensively? Rob B explains why investing through a limited company might already be the best protection investors have. Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Got a question? Send it in here Find out more about Property Hub Invest
July 9 · 35 min
Rob B's worst tenant EVER! (It took bailiffs AND police to get him out)
What happens when a tenant fails referencing, talks their way in, and then refuses to leave for over two years? Well Rob B experienced this exact scenario... From fabricated sob stories to AI-generated legal threats, in this episode, Rob B shares the most extreme tenant horror story from his 20-year property career. (00:50) News story of the week (04:15) How a failed reference and a convincing sob story led to the worst tenant decision Rob B ever made (08:07) The breaking point when enough was enough (10:07) Why getting a court order was just the beginning (17:47) The eviction day showdown involving bailiffs and police (23:22) The full financial damage - and the one change Rob B’s made that he’ll never go back on (32:12) Hub Extra Links mentioned: Financial results for Berkeley Group Bob & Brad’s YouTube Bob & Brad’s C2 massage gun Research rent protection insurance providers Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Find out more about Property Hub Invest
July 7 · 7 min
ASK531: Why is this valuation so low? PLUS: How do I save faster?
It’s Tuesday, which means it’s time for Ask Rob & Rob - and this week’s episode tackles two topics that come up time and again for investors. (00:37) Jack has bought his first buy-to-let through a limited company and wants to know the smartest way to save for the next one. Rob D explains why the snowball effect means he’s closer than he thinks, and what really matters at this stage. (03:17) Liam’s mortgage valuation has come back £40k below what he thinks the property is worth - so has he overpaid? Rob B explains why valuers have no incentive to go above purchase price, and how that gap can work in his favour when it’s time to refinance. Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Got a question? Send it in here Find out more about Property Hub Invest
July 2 · 28 min
What would Prime Minister Andy Burnham mean for property investors?
A new Prime Minister is heading for Downing Street - but is that a good thing or a bad thing for property investors? Rob & Rob break down what Andy Burnham as PM could mean, what he might do, and what you should be doing right now. (00:47) News story of the week (02:43) The rumoured changes to stamp duty - and what could replace it (07:48) What a Capital Gains Tax alignment could mean and who would be hit the hardest (11:25) Andy Burnham's actual track record on property: grants, fines, and what he’s done as a landlord himself (17:24) Rent controls - the elephant in the room (and why it’s probably not coming) (19:50) What you should be doing right now (22:27) Hub Extra Links mentioned: Hamptons data finds stamp duty rises 194% since 2015 Fitbit Air Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Find out more about Property Hub Invest
June 30 · 8 min
ASK530: Is this short lease worth it? PLUS: How do I keep up with two sets of laws?
Whether you’re eyeing up a leasehold flat or juggling property rules on both sides of the Welsh border, this week’s Ask Rob & Rob tackles two very different but equally common worries. (00:46) Jessica’s found a discounted buy-to-let with just over 100 years left on the lease, but is the discount a risk worth taking? Rob B explains exactly when a short lease should start ringing alarm bells. (04:01) Emma invests in Wales and is branching into England -, but the differences in licensing, notices and tenancy rules are overwhelming. Rob D breaks down why it’s less scary than it seems and shares a resource that covers both sides of the border. Links mentioned: How To Be A Landlord – Second Edition The Guild of Residential Landlords The National Residential Landlords Association Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Got a question? Send it in here Find out more about Property Hub Invest
June 25 · 28 min
The AI advantage - the free tool that's outperforming most strategies
This might be the most valuable episode Rob & Rob have recorded all year. AI is changing the way property investors manage their portfolios, spot deals, and save hours of time every week. But most people are either ignoring it completely or dabbling without any real direction. In this episode, Rob & Rob break down exactly how you can put AI to work - whether you're analysing deals, managing tenants, or building your own custom tools from scratch. (01:40) Half of all first-time buyers now receive financial support from family members - what Savills' latest findings mean for the market (03:45) How to harness AI to open up new opportunities - even if you're not remotely "techy" (07:25) The one thing that separates people getting average results from AI and those getting brilliant ones (11:55) How to build your own AI tools from scratch - and what you need to know before you start (20:13) Rob & Rob's free AI toolkit - every prompt, tool, and idea from this episode bundled into one download (21:52) Can AI conquer conveyancing? Links mentioned: Free AI toolkit for property investors Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Find out more about Property Hub Invest
June 23 · 9 min
ASK529: Have I made a big mistake? PLUS: Can this help me with Renters' Rights?
Got a new build that’s not hitting the rent you expected? Or are you looking for a resource that has all the latest updates from the Renters’ Rights Act? This week’s episode of Ask Rob & Rob has you covered. (00:46) Dan's new build is sitting empty with rents well below his projections. He has a few solutions to this, but what’s the best approach? Rob B explains why the worst thing he can do right now is something drastic. (06:59) Holly’s wondering when How to Be a Landlord will be edited to cover the Renters’ Rights Act? Rob D reveals the fully revised second edition is already out, covering the new tenancy type, rent increases, pets, and what to do when things go wrong. Links mentioned: How to Be a Landlord (Second Edition) Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Got a question? Send it in here Find out more about Property Hub Invest
June 18 · 25 min
The property market is crashing (and nobody's talking about it)
There’s been a property crash. A big one. And nobody’s talking about it. Rob & Rob reveal the silent property crash that’s been hiding in plain sight. But before you panic, this might be the best possible news for investors who are still building their portfolios. (00:46) News story of the week (02:09) The silent property crash explained: How inflation has wiped 17.4% off real house prices since 2022 (08:08) Why property is now as affordable as it was in 2013 (11:17) The good news for leveraged investors during the crash (19:17) What happens when everyone starts to notice property again - and why being early puts you in a strong position (22:27) Hub Extra Links mentioned: Casio G-Shock 2100 watch Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Find out more about Property Hub Invest
June 16 · 8 min
ASK528: Does this inheritance tax strategy really work? PLUS: Bridging loan vs equity for a first BRR?
Can you gift a property straight into a limited company? And should you use a bridging loan or equity for your first BRR project? Rob & Rob tackle both on this Tuesday’s Ask Rob & Rob. (00:38) Fred’s relative wants to pass him a property to reduce their inheritance tax bill, but can it go directly into his limited company? Rob D explains why that’s probably not a good idea, breaking down the inheritance tax and stamp duty implications of each route. (04:23) Will’s a young investor sitting on an unencumbered property and is itching to do his first BRR project. Should he use a bridging loan or release equity? Rob B explains the one option that gives you far more protection if things don’t go to plan. Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Got a question? Send it in here Find out more about Property Hub Invest
June 11 · 22 min
Market Update - June 2026
Net migration is down 48%, house prices are slipping, and construction has hit its lowest point since lockdown. Rob & Rob unpack the biggest property stories of the month - one where the mood and the opportunity couldn’t be further apart. (00:40) Why the rental market will feel the migration crash before house prices do (04:15) Interest rates are held, but the reason behind it isn’t exactly cheerful (05:11) House prices are finally catching up with sentiment, with the north-south gap getting starker (11:06) Mortgage rates are coming back down and lenders are cutting aggressively (13:05) Why the Government’s housing target is a fantasy (16:30) Rent growth’s cooling, so why are professional landlords planning to expand? (19:44) Hub Extra Links mentioned: ONS Net migration statistics Bank of England interest rates may not need to be increased Yubikey security key House prices: Nationwide’s House Price Index Halifax’s House Price Index Zoopla’s House Price Index Savills downgrades house fall Mortgages: Mainstream lenders extend cuts Planning and supply: Planning applications hit record low All three categories of construction work fall sharply Rents: ONS private rent and house prices Only 1% of professional landlords plan to leave the market Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Find out more about Property Hub Invest
June 9 · 7 min
ASK527: Can I refinance forever? PLUS: My tenant is demanding an EV charger!
Can you keep a buy-to-let mortgage forever? And is a landlord required to install an EV charger? Your questions answered on this week’s episode of Ask Rob & Rob. (00:45) Amit is worried that as he gets older, lenders will eventually refuse to mortgage his buy-to-lets. Rob B reassures him that this fear is largely overblown, explaining what you really need to watch out for when taking equity out over the long term. (03:56) Sue wants to know if she’s obliged to pay for an EV charger that a tenant is requesting? Rob D lays out exactly where she stands. Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Got a question? Send it in here Find out more about Property Hub Invest
June 4 · 25 min
The hidden landlord shift (this data shocked us)
Landlords are leaving the market in droves... so why have property purchases by institutional investors just hit their highest level since 2016? Rob & Rob unpack surprising new data that flies in the face of everything you’re hearing about the rental market, and what it means for anyone investing right now. (00:48) News story of the week (06:12) The surprising data that contradicts everything you’ve been hearing about the buy-to-let market (08:47) The regional split where investors are stacking up (11:06) One group of landlords is exiting - but who’s buying their properties? (13:09) Why today’s yields could be the early signal of rising prices (20:00) Why the people waiting for confidence to return will be the ones who miss out (21:17) Hub Extra Links mentioned: NRLA - Struggling tenants risk being locked out of rental market Hamptons data Use NotebookLM Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Find out more about Property Hub Invest
June 2 · 9 min
ASK526: Should I overpay my mortgage? PLUS: Can I bet on house price movements?
It’s Tuesday, which means another episode of Ask Rob & Rob! This week, should you pay down your buy-to-let mortgage or keep leveraging? Plus, can you profit from house price movements without buying a property? (00:37) Amy’s tempted to start overpaying the mortgage on her highest-rate investment, but is she giving up the biggest advantage of property investing in the process? Rob D warns against letting short-term frustration drive the decision. (05:42) Noel reels off a list of ways to profit from regional house price movements without buying property, but which one's the best option? Rob B reveals which one he’d consider - and why others are best avoided. Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Got a question? Send it in here Find out more about Property Hub Invest
May 28 · 26 min
Inside Rob B’s first investment of 2026
What makes an experienced investor pull the trigger in today’s market? Rob B shares his first investment of 2026 - and the deal he secured might be the best argument against sitting on the sidelines. Why that area? Why now? Rob & Rob break down the deal to reveal the discount, the fundamentals and why this was an opportunity Rob B simply couldn't walk past. (00:46) News story of the week (03:06) What made Rob B invest in this overlooked area (09:00) The negotiation that knocked £40,000 off the price - and why discounts like this won’t survive a market recovery (13:08) The fundamentals behind Rob B’s investment - from major employers to billion-pound investments for a brand-new train station (20:42) Why investors who wait for confidence to return will be the ones who miss out (24:10) Hub Extra Links mentioned: 1 in 4 homes bought in the North of England are from investors Download the Pliability app Subscribe to Tone and Tighten on YouTube Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Find out more about Property Hub Invest
May 26 · 10 min
ASK525: Has the market just crashed? PLUS: Should I make these upgrades now or wait?
Is the 18-year property cycle about to trigger a crash? Plus, with EPC rules changing, should landlords be upgrading now or holding off? Your questions answered on this week’s episode of Ask Rob & Rob. (00:45) Phil's wondering, could the conflict in Iran spark a property crash and prove the 18-year cycle right? Rob B explains why he’s confident enough to go on record saying it won’t happen this year. (06:08) Pete's properties are rated D and E. Should he start upgrading now to meet the 2030 EPC deadline? Rob D reveals why waiting for the new criteria could save you thousands and a lot of unnecessary hassle. Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Got a question? Send it in here Find out more about Property Hub Invest

The Property Podcast

Hub Extra's that have stood the test of time

ASK534: What happens when a good tenant fails referencing? PLUS: How to align your mortgage expiry dates?

We'd sell every property we own if this happened

ASK533: Could your lender pull the rug on your mortgage? PLUS: Should deposits rise with rent?

Market Update - July 2026

ASK532: Why are there so many solicitors involved when purchasing a buy-to-let? PLUS: Should I be planning for future tax changes?

Rob B's worst tenant EVER! (It took bailiffs AND police to get him out)

ASK531: Why is this valuation so low? PLUS: How do I save faster?

What would Prime Minister Andy Burnham mean for property investors?

ASK530: Is this short lease worth it? PLUS: How do I keep up with two sets of laws?

The AI advantage - the free tool that's outperforming most strategies

ASK529: Have I made a big mistake? PLUS: Can this help me with Renters' Rights?

The property market is crashing (and nobody's talking about it)

ASK528: Does this inheritance tax strategy really work? PLUS: Bridging loan vs equity for a first BRR?

Market Update - June 2026

ASK527: Can I refinance forever? PLUS: My tenant is demanding an EV charger!

The hidden landlord shift (this data shocked us)

ASK526: Should I overpay my mortgage? PLUS: Can I bet on house price movements?

Inside Rob B’s first investment of 2026

ASK525: Has the market just crashed? PLUS: Should I make these upgrades now or wait?