Nc Real Estate Podcast

I decided to publish a BONUS episode this week as I've been receiving many queries and concerns around commercial property investment at the moment.  I wanted to share my experience of what is happening on the ground at the moment as I (plus my team) run portfolios on a daily basis and this will be my second recession Ive gone through as a property investor.  Listen to this shorter-than-usual BONUS podcast to find out what our startegy is and how we're STILL making a success out of commercial property- for the ling term.  Oh, and if you're wanting to see how we do things over at the Members' Club, come and join the Commercial Property Investment Deal Analysis Masterclass... for Investors wanting to Invest with their SSAS!.  It's on Tuesday the 15th November @7-8pm GMT, book your spot here now: https://ncrealestate.co.uk/deal-analysis-masterclass-for-investors-15thnovember2022/ 

As I’m sure you are all aware the state of the economy is getting WORSE. The Bank of England (BoE) base rate has increased, inflation has skyrocketed, and interest rates on commercial and residential mortgage lending products have continued to climb. Many experts are now predicting an economic recession until late 2024. But it’s not all BAD news… Because as this dynamic and elusive economic market keeps changing, so do we. In this week’s podcast, we’re going to discuss how we’re changing our commercial deal analysis in these crazy economic times! In the 45-minutes we’ll …. Discuss the importance of market research when investing. We’ll go through all the key salient points of NCRE’s new deal analysis template  >The deal summary >The tenancy schedule >The comparable evidence >Estimating market rent >WAULT calculations We’ll introduce Marcus Ginn, the founder of Edozo. The centralised platform which makes it easier, faster, and more accurate to research commercial property. We

After weeks of chaos for the British government and wider economy, the team at NC Real Estate is here to deliver you some POSITIVE news: In this week’s podcast, we’ve put your questions to the Professionals here at NCRE to understand the DOs and DON’T when investing in commercial property in today’s economic climate. Here are a few juicy questions that we asked our experts: What lessons can investors learn from the 2008/09 recession that investors can apply now in the current economic situation? What investment strategies are going to work in the next 12-18 months? When is the right time to invest in property and what are your general thoughts on the prices? So, without spoiling all the fun here are a few insights from today's podcast: Stay calm and take a long-term view when investing. There are going to be a huge amount of people panicking, but there are also going to be a huge number of opportunities as a result. REMEMBER you make your money when you buy! Communication with the commercial t

It's been a full-on couple of days, hasn’t it?! To me, it feels like we are being pranked by our Government as seemingly they can’t read the room. The £ has fallen over a cliff and is making its way to the bottom of the South Sandwich Cliff (deepest underwater trench in the Atlantic apparently). The Bank of England base rate continues to rise and rumour has it will increase again by the end of the week. Mortgage products are being pulled. Valuations are being hit by material uncertainty clauses… expect 10-20% drops because of this and then mortgage underwriters may downvalue it some more. Yet, through all of this, I don’t see any reason to throw in the towel, its just time to change your approach. Want to know how? Listen to my podcast now!  Sidenote: Throughout this period of recession it's going to be freaking hard to stay grounded. You’re going to want to scream, shout, hide, give it all up, start again, lose yourself, pick yourself up and it's going to be hard. Community is key. I promise you I have

Return on capital employed (ROCE) is the % that I hear investors parsing a lot. This figure is your Net Annual Rent divided by the Cash you put into the deal less any equity you take out of the deal = ROCE as a %. Nowadays it's common for me to hear 50% or 75% ROCE employed banded about like it's some easy, risk-free thing to be able to achieve. It’s not. Easy is 10%-20% ROCE. 25% ROCE means you’ll need to make some tweaks to the building. 30% or higher means there’s some risk involved in getting more money out and that risk gets higher, the higher the ROCE. You need to decide what level of risk you are willing to take and whether you are happy to put in the leg work and potentially sleepless nights to achieve that higher ROCE… because remember, it’s tough! If you want to find out more about this, listen to today's pod, where I explain what the risks are right now and how you should be investing based on today's economic climate. AND... You are invited to the NCRE Members' Club LIVE Deal Analysis Master

If you are in the SSAS or commercial property world in the UK then I’m sure you’ve already heard of Alastair Hoyne and Finanze (agh@finanze.co.uk). He and his team have some awesome products right now… But, I’m absolutely sure you’re also thinking, interest rates are going up, lenders don’t seem to be as keen on lending on commercial and especially not commercial property purchased in my SSAS so how on earth am I actually going to move forward in todays climate. I get you, which is why I wanted to quiz Alastair on this. Questions asked were: What happens if I have a missed payment on my credit file, will I still get lending? Are there actually any lenders who lend to SSAS’s at a decent rate? What interest rate can I expect to pay on commercial property? How high do you see interest rates rising? Should I even be buying now? When should I use bridging isn’t it expensive? And, as it turns out from the podcast, anything is possible when it comes to finance. Enjoy the podcast! 

I thought that I’d have a little fun over the last couple of weeks and purchase something that no one would expect. I transferred some of my business profit into my SSAS and purchased a telephone box for £11,200 (plus fees of £1,250 inc VAT) in Central London. What am I doing with mine? I’m first renting it out to my Ltd company for £80/month and we’re going to do a little marketing/educational piece with it (which is why I can’t tell you exactly where it is yet). I hope this podcast inspires you to "think out the box" in terms of commercial property- the possibilities are endless! 

Have you signed up for my webinar "How to Supercharge your Property Portfolio through buying Commercial Property…without jumping on the Commercial to Residential conversion bandwagon" happening on Tuesday the 23rd of August at 19h00 BST? This is one you are not going to want to miss! Sign up to join the webinar here. Great, you signed up! Now onto today's meaty topic. My job as an Asset Manager is to be creative… with commercial property you get to do that. Most people think getting into commercial property is all about buying a retail unit on a high street. It’s not. I invited Bryn Walker and David Nicklin from Retirement Capital onto the podcast this week to discuss how your SSAS can fund commercial property. We ALSO chat about a whole host of different strategies; one being CMO’s (commercial multi-occupancy units) where in the example we used the profit rent to the Ltd company would be £10,000pa. Sounds good right? Enjoy the podcast and don't hesitate to contact Lorenza (lorenza@ncrealestate.co.uk) if

Announcements first: We’re HIRING and Asset Management Surveyor and Graduate Surveyor to be part of our awesome team. Want to apply? Email natasha@ncrealestate.co.uk to register your interest, we’ll send you a Job Description and how to apply. On the 23rd of August at 7 pm BST, I'm hosting a free webinar. The topic of the webinar is "How to Supercharge your Property Portfolio through buying Commercial Property…without jumping on the Commercial to Residential conversion bandwagon". You're going to want to come to this if you want to learn about Commercial Property Investment! Sign up to join the webinar here. This leads me to this week's topic. How do you start out in commercial property if you only have 15 minutes spare? You're going to have to listen to today's podcast.  That’s it. That’s where I would start. You can do that! The next step is Deal Analysis… This is something we focus on in the Members' Club (there's a sneak peek in the podcast today!). 

I found a

Today’s podcast is all about tax planning - and why this is so NB right now. I have a lot of great advice on what you can do to fix mortgage interest rates and even fix your maintenance costs, but I’m a Surveyor and I stay in my lane. So this week I invited a tax professional, Neil Ryder, to come onto my podcast and explain ways in which we can put in place a tax strategy for our property portfolio so that we know roughly how much tax we’ll be paying (or even saving) so that we can plan accordingly. If you’d like to reach out to Neil, you can do so here: Tel: 07834 600024 Email: neil@astonleigh.com Website: www.astonleigh.com

I thought it was time to bring out the big guns and share with you some stories of commercial property that I’ve been involved with over the course of my career that were absolute horrors at the time… I look back on them now and laugh, but also thank goodness I experienced them because it’s made me a better surveyor today. I thought I’d share some of them. Every property is different. Every tenant is different. In all honesty, a lot of these you would never have seen coming… but a little bit of common sense goes a long way to sorting these problems out. In today’s podcast, I’m going to run through several case studies. I’ll be chatting through the scenario, the problem and the resolution. A high end chocolatier with no contents insurance The tenant who turned the sewer into a water feature A jeweler who boxed in a leak rather than making a phone call A yoga studio that smashed all the windows of a brand new building An ex-brothel that collapsed internally due to the billionaire next door digging out the basem

I'm so excited to be getting everyone together for a phenomenal day together in Birmingham on Saturday the 2nd July at 12:30. My team and I have put an enormous amount of prep into making this the very best day for our Members.  Curious? Then listen to this 5-minute podcast about how you can attend the LIVE event too!  Here's a little info about what you can expect on the day:  surveying skills workshop (+ a prize for the most accurate results) live deal analysis  planning and goal setting for the next 6 months  networking  lunch, snacks, and drinks throughout the day!  + you're going to want to hear my keynote speech about how you should be thinking as property investors right now and how you can make the most out of the market today.  If you've been sitting on the fence and wondering if you should join the Members' Club, now is a GREAT time to do so.  Here's the link to sign up for either the quarterly or annual membership (BUT listen to my podcast firs

As the title suggests, this podcast is going to be full of useful tips and information. There's a lot going on in the market at the moment, and we as property investors need to keep abreast of everything that's going on.  In this podcast, I chat about why Commercial Property Investors need to be resilient at the moment and to keep offering on properties- this is what is going to change the market.  I'll also chat through a Commercial property that I'm negotiating on. While my strategy stays the same, I'm always on the lookout on how to position things to my benefit. Listen to my process in the pod! Did you see this article? It's from the Daily Mail (I know!), but it chats about how the Government is creating a tax break on Residential property. I'll discuss some of the options that were mentioned in the article (while they appear to be good options, are they really?!) Finally, I'm going to chat about Changing CIL to IL under the Levelling-Up and Regeneration Bill- seems hopeful for regeneration purp

Before I get into today’s podcast info, I wanted to remind you that on Thursday the 19th of May @8pm BST you have a single-use guest pass to the Members' Club LIVE Deal Analysis Masterclass. *As a non-member, you will be able to attend this event once. It's going to be 90 minutes of deal analysis magic where my whole Team will be looking at the pros and cons of 2 deals; a Commercial and a Mixed-Use. To register for this event, click here. Right, now onto today’s podcast. It's a mix of different points, which are relevant to you as a property investor. I’ll be discussing: Renting Homes in Wales (Fitness for Human Habitation) Regulations 2022 Another NB caution to landlords is to use professionals when drafting leases...... & A quick book review of The Unexpected Joy of The Ordinary by Catherine Gray.

This week I thought I’d bring you with me for the Deal Analysis journey and do a follow-along Commercial Deal Analysis on the podcast. ***This is a two-storey building in Richmond, North Yorkshire. Rent income per annum of £26,400pax, which is on the market for offers in excess of £295,000***. My due diligence: Sales comparables to see comparable yields Lease comparables to see market rent and lease term comparables Space for let comparables, just to see what’s on the market Looking at the current tenants' accounts to see whether they can afford the rent Reading the leases to see what the agreement is between landlord and tenant From this, I estimate what price I’d purchase at and what I think the potential value of the property could be if I implemented a regearing strategy. So, what do you think? Would you go ahead and buy this property?  Now, if you found the podcast valuable (it would be hard not to!), then I would like to invite you to a LIVE Deal Analysis Masterclass on the 19th May @8pm

This week’s podcast is jam-packed with A LOT of NB info. First up, I want to celebrate a little (actually a HUGE) win, and that’s that in the last 3 months, I’ve had 99% occupancy on Air BnB… Hell yes!! In the podcast, I’m also going to go through the Levelling up and Regeneration Bill - this is going to be unveiled in the Queen’s Speech next month on Tuesday the 10th May. The aim is to revamp high streets and provide accommodation to those that need it and stop high streets from becoming ghost towns- but this also has effects landlords. I chat about HOW… Something else that has come up recently is around HMO’s - are the Tax Bills really Quadrupuling? I’ve been doing a lot of research around this which you will hear in my podcast, but go and check out the Governments website that explains how HMOs are banded on a page called ‘How domestic properties are assessed for Council Tax Bands’. (Essentially- it makes Commercial Property Investment seem way better!) I’m also going to go through a shocking case of a ten

In today's podcast, I'm going to be going through some very important Updates in Commercial Property from April 2022.  This is information you need to know as a property investor, and I've laid it out so that you know where you stand and what you need to be doing.  If you have any questions around the topics I've chatted about, you can email natasha@ncrealestate.co.uk Enjoy today's podcast, and I hope I've been able to clarify some NB & current updates that are happening in Commercial Property right now.  ALSO... .... in the spirit of showing off our good work and the excellent team we have over at NC Real Estate, I'm inviting you to a Deal Analysis Masterclass on Thursday the 21st April @8pm BST.  It's going to be a 90 - minute session, where the whole Team over at the Members' Club are going over current deals- we'll be discussing the pros and cons and some healthy debate will be happening between our team as to whether this is a deal(s) worth pursuing.  Getting GREAT at

Using your SSAS to Invest in Commercial Property. My inbox has been buzzing with this topic and so I thought I’d start addressing it. I’m a surveyor, I get involved at the point a client already has a SSAS and then wants to invest in commercial property. My job is putting together the property investment strategy and executing it. So, if you’re someone who doesn’t yet have a SSAS and wants one please make sure to speak to your financial advisor. Getting started: you need to make the decision to either hold the properties in your SSAS or in a Ltd Company. This informs the strategy. > In your SSAS we need to consider what lending is available. > In a Ltd company we have to consider how much your SSAS can lend, the interest rate at which it's lending, ensuring the SSAS always has the first charge, and then repaying the SSAS at a minimum of 20% of the loan per year, or repaying it all so the investor has enough cash to go again. I’m breaking this down into sections as it's a huge topic to cover. So once yo

Today I want to talk about finding investment finance. This is a throwback episode to when I invited Daniel Woods from Momentum Property to chat with me about 25 ways to find money for a deposit. This was such a succinct and successful podcast that I thought I would bring it out again so that you can go through it. It's certainly worth every minute of your time! We chat about creative ways of finding finance too and not just from bridging loans and your regular mortgages. It’s about thinking out of the box when it comes to finding investor finance. Cryptocurrency included! I’m really excited to share this with you all today. P.S. Have you accessed my "Crossing over to Commercial" mini-course? You're going to love it! It's an hour-long and covers all the basics, PLUS I included a Commercial Deal Analysis (you'll receive that in an email once you sign up). Sign up here: https://ncrealestate.co.uk/crossingovertocommercial