In this special Christmas episode, Nick unwraps must-know health and safety tips to help tenants and homeowners enjoy a stress-free holiday. Drawing on real-world experience as a former health and safety officer, the episode dives into everything from keeping real Christmas trees hydrated to testing smoke alarms and using electrical decorations safely. He also offers smart, practical advice on candle safety, kitchen hazards, and securing outdoor décor against winter weather - without dampening the Christmas spirit. KEY TAKEAWAYS Ensure real Christmas trees are watered daily to prevent them from becoming a fire hazard. Keep trees and decorations at least a meter away from heat sources like fireplaces and radiators. Check all electrical decorations for damaged cords and avoid overloading sockets. Use extension cables with surge protection and only use lights rated for outdoor use if decorating outside. Never leave candles unattended and keep them away from flammable items. Consider using flameless LED candles as a safer alternative to achieve a festive atmosphere. Establish a kid-free zone around cooking areas to prevent burns and scalds. Keep a fire extinguisher rated for grease fires in the kitchen and never use water to extinguish a grease fire. Use night lights in guest areas to prevent accidents in unfamiliar spaces. When decorating outdoors, ensure lights are rated for exterior use and secure any large decorations to prevent them from becoming airborne in strong winds. BEST MOMENTS "If you have a real tree, water it daily because a dried tree is a major fire hazard." "Never borrow batteries from a smoke alarm for a new toy. It happens. Don't do it." "Always unplug your Christmas lights before watering a real Christmas tree. It's just a safety tip." "Manage grease fires. Never use water to extinguish a grease fire because all it does is make it spray up." "If you've got outdoor inflatable decorations, make sure you've secured them to stop them becoming airborne." The UK’s #1 Property Investing Event – MSOPI Training https://is.gd/MSOPIPeterborough Join Kevin McDonnell, the UK's #1 creative finance expert, for the No Money Down Summit https://is.gd/KevinMcDonnellsNMDsummit HOST BIO Nick is an award winning property investor, voted Fastest Newcomer 2022 by Premier Property, and is an accredited Retrofit EPC Assessor. He sources and renovates properties for himself as well as other investors. While doing this he has developed his own systems for efficient investment, such as developing his own methods to save time when viewing properties and estimating market values and potential returns, costing out renovations. He spends three months of the year abroad and while there continues his business with use of modern technology and his proven systems. Location freedom has always been his "Why" for being a Property Investment and has now reached his ideal of the colder months spent in Thailand and the rest of the time in the UK, all while continuing to run his business This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this episode, Nick discusses the common issues of condensation and black mold that arise in rental properties during the cold and damp winter months. From ensuring proper ventilation in kitchens and bathrooms to managing indoor humidity levels and advising on laundry drying methods, Nick offers actionable advice for landlords to share with their tenants. He also highlights the significance of prompt reporting of any damp issues to address potential underlying structural problems. KEY TAKEAWAYS Proper ventilation in kitchens and bathrooms is essential to prevent condensation and mold. Always use extractor fans and keep doors closed while cooking or showering to contain moisture. Dry laundry outdoors when possible, or use electric airers indoors. Avoid drying clothes on radiators, as this increases humidity levels in the home. Keep a consistent background temperature (ideally around 18 degrees Celsius) to prevent cold surfaces that attract condensation. Avoid using short bursts of heat. Tenants should open windows for 5 to 15 minutes daily to allow fresh air to circulate and reduce humidity levels. Using trickle vents can also help maintain air exchange. Tenants should report any signs of dampness or mold immediately. Early reporting can help identify underlying structural issues and prevent further damage to the property. BEST MOMENTS "The law doesn't allow you to blame the tenant's lifestyle if there's a problem with black mold and condensation." "Condensation is the most common cause of dampness in homes and occurs when warm moist air touches a cold surface like a window or wall." "If you allow your home to cool too much completely, then using short bursts of heat creates a temperature swing, causing instant condensation." "If you haven't installed an extractor fan, why not? You should do. You're helping the tenant, and you're also helping yourself." "Effective, efficient reporting of issues will help maintain your property's condition and promote your relationship with your tenants." The UK’s #1 Property Investing Event – MSOPI Training https://is.gd/MSOPIPeterborough Join Kevin McDonnell, the UK's #1 creative finance expert, for the No Money Down Summit https://is.gd/KevinMcDonnellsNMDsummit HOST BIO Nick is an award winning property investor, voted Fastest Newcomer 2022 by Premier Property, and is an accredited Retrofit EPC Assessor. He sources and renovates properties for himself as well as other investors. While doing this he has developed his own systems for efficient investment, such as developing his own methods to save time when viewing properties and estimating market values and potential returns, costing out renovations. He spends three months of the year abroad and while there continues his business with use of modern technology and his proven systems. Location freedom has always been his "Why" for being a Property Investment and has now reached his ideal of the colder months spent in Thailand and the rest of the time in the UK, all while continuing to run his business. This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this episode, Nick delves into the topic of Mechanical Heat Recovery Ventilation (MVHR) systems, following a previous discussion on Positive Input Ventilation (PIV) systems. Nick explains how MVHR provides a continuous supply of fresh, filtered air while recovering heat from stale air, making it an essential solution for modern, energy-efficient buildings. He outlines the system's operation, benefits, and components, emphasising its role in improving indoor air quality, reducing energy bills, and preventing moisture-related issues. KEY TAKEAWAYS Mechanical Heat Recovery Ventilation (MVHR) systems provide continuous fresh air while recovering heat from stale air, making them ideal for modern, energy-efficient buildings. They are not typically found in older homes. MVHR systems can recover 60% to over 90% of heat that would otherwise be lost, significantly reducing heating demands and energy bills. This makes them a cost-effective solution over time, despite the initial installation costs. By continuously exchanging air, MVHR systems remove pollutants, moisture, and odours, contributing to a healthier indoor environment. This is particularly beneficial for allergy and asthma sufferers. These systems help manage indoor humidity levels, preventing condensation and mould growth, which protects the building's structure and reduces the need for costly repairs. Proper design and commissioning are crucial for the effectiveness of MVHR systems. A well-designed system ensures efficient operation, noise reduction, and balanced airflow, making it essential to allocate a budget for these stages during new builds or major renovations. BEST MOMENTS "It's not a solution to rising damp, penetrating damp, etc. But it is something that will help control mould, condensation, etc." "The core of the MVHR system is the heat exchanger. This allows the system to balance ventilation with energy efficiency." "By recovering heat from the extracted air, the system greatly reduces the energy needed to heat the incoming fresh air." "MVHR systems are highly efficient, often recovering 60% to over 90% of the heat that would otherwise be lost through conventional ventilation." "If you get it right at the design stage, you can keep using that design. Get it right first." The UK’s #1 Property Investing Event – MSOPI Training https://is.gd/MSOPIPeterborough Join Kevin McDonnell, the UK's #1 creative finance expert, for the No Money Down Summit https://is.gd/KevinMcDonnellsNMDsummit HOST BIO Nick is an award winning property investor, voted Fastest Newcomer 2022 by Premier Property, and is an accredited Retrofit EPC Assessor. He sources and renovates properties for himself as well as other investors. While doing this he has developed his own systems for efficient investment, such as developing his own methods to save time when viewing properties and estimating market values and potential returns, costing out renovations. He spends three months of the year abroad and while there continues his business with use of modern technology and his proven systems. Location freedom has always been his "Why" for being a Property Investment and has now reached his ideal of the colder months spent in Thailand and the rest of the time in the UK, all while continuing to run his business This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this episode of Nick discusses the benefits of Positive Input Ventilation (PIV) systems, particularly for rental properties facing issues with condensation and mold. Drawing from his recent experience with a whole-house refurbishment, Nick explains how PIV works by introducing fresh, filtered air into a home, creating a positive pressure that helps expel stale, humid air through natural leakage points.  KEY TAKEAWAYS Positive Input Ventilation (PIV) System: A PIV system introduces fresh filtered air into a property, creating positive pressure that helps expel stale, humid air and pollutants through natural leakage points. Installation and Cost: The installation of a PIV system can be relatively straightforward and adds minimal disruption, with costs around £450 when included in a full rewire. Benefits for Tenants: PIV systems improve indoor air quality by filtering out allergens, dust, and pollutants, which can be particularly beneficial for tenants with allergies or respiratory issues. Energy Efficiency: PIV systems are energy-efficient, with low running costs comparable to a light bulb. They can also contribute positively to a property's Energy Performance Certificate (EPC) rating. Market Value Enhancement: Installing a PIV system can increase the value of a property and serve as a strong selling point for potential tenants or buyers, as it demonstrates a commitment to providing a healthier living environment. BEST MOMENTS "It's a whole house ventilation system that works by introducing fresh filtered air into a property at a continuous rate." "While it's not a solution for all damp, it is really good for less airtight homes." "It's highly effective at reducing condensation and preventing mold by lowering humidity." "You can't blame their living style when you're looking at these courses; what you're looking for is ways to help them." "This is a way that you can actually mitigate some of this condensation humidity that comes from just people living in a property." The UK’s #1 Property Investing Event – MSOPI Training https://is.gd/MSOPIPeterborough  Join Kevin McDonnell, the UK's #1 creative finance expert, for the No Money Down Summit https://is.gd/KevinMcDonnellsNMDsummit  HOST BIO Nick is an award winning property investor, voted Fastest Newcomer 2022 by Premier Property, and is an accredited Retrofit EPC Assessor. He sources and renovates properties for himself as well as other investors. While doing this he has developed his own systems for efficient investment, such as developing his own methods to save time when viewing properties and estimating market values and potential returns, costing out renovations. He spends three months of the year abroad and while there continues his business with use of modern technology and his proven systems. Location freedom has always been his "Why" for being a Property Investment and has now reached his ideal of the colder months spent in Thailand and the rest of the time in the UK, all while continuing to run his business This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this episode, Nick introduces the complexities of Japanese Knotweed, an invasive plant that poses significant challenges for property investors. He provides a comprehensive overview of its history, characteristics, and the legal implications surrounding its presence on properties. Nick discusses the risks associated with Japanese Knotweed, including its impact on property value, mortgage lending, and potential legal liabilities. He emphasises the importance of professional intervention for effective management and eradication, highlighting the necessity of an insurance-backed treatment plan. KEY TAKEAWAYS Japanese knotweed is an invasive plant introduced to the UK in the 1850s, known for its rapid growth and ability to spread through vegetative reproduction rather than seeds. It can grow up to three meters in a year and is difficult to control due to its extensive underground rhizome network. While it is not illegal to have Japanese knotweed on your property, it is illegal to allow it to spread onto neighbouring land or into the wild. Landowners have a duty of care to prevent its spread and may face civil claims if it causes damage to neighbouring properties. Japanese knotweed can significantly affect the saleability and market value of a property, potentially reducing its value by 5% to 15%. Mortgage lenders may be cautious about lending on properties with active infestations, often requiring a long-term management plan with an insurance-backed guarantee. Effective treatment of Japanese knotweed requires professional intervention. Homeowners should hire accredited companies, such as those certified by the Property Care Association, to manage and eradicate the plant, as DIY methods are often ineffective. Japanese knotweed waste is classified as controlled waste under the Environmental Protection Act 1990. It must be disposed of safely and cannot be placed in regular waste bins. Proper documentation and waste transfer notes are essential to prove compliance with disposal regulations. BEST MOMENTS "It's not illegal to have it on your property, but it is illegal to let it spread off your property onto someone else's property or into the wild." "Even the tiniest fragments of viable material can produce a new plant. That makes it extremely difficult to control and eradicate." "You need to have in place a long-term management company with an insurance back guarantee. Without that, you more than likely won't get a mortgage." "Sales falling through can happen if the discovery of knotweed during a survey causes lenders to withdraw their offer." "Don't be scared of buying a property with Japanese knotweed as long as you've got that treatment plan in place." The UK’s #1 Property Investing Event – MSOPI Training https://is.gd/MSOPIPeterborough Join Kevin McDonnell, the UK's #1 creative finance expert, for the No Money Down Summit https://is.gd/KevinMcDonnellsNMDsummit HOST BIO Nick is an award winning property investor, voted Fastest Newcomer 2022 by Premier Property, and is an accredited Retrofit EPC Assessor. He sources and renovates properties for himself as well as other investors. While doing this he has developed his own systems for efficient investment, such as developing his own methods to save time when viewing properties and estimating market values and potential returns, costing out renovations. He spends three months of the year abroad and while there continues his business with use of modern technology and his proven systems. Location freedom has always been his "Why" for being a Property Investment and has now reached his ideal of the colder months spent in Thailand and the rest of the time in the UK, all while continuing to run his business This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this episode, Nick delves into the crucial topic of mindset for property investors. He explores the definition of mindset, its formation through childhood experiences, social influences, and personal reinforcement. Nick discusses various types of mindsets, including fixed versus growth, abundance versus scarcity, and internal versus external locus of control, emphasizing the importance of adopting a growth mindset for success in property investing. KEY TAKEAWAYS Mindsets are deeply held beliefs and attitudes that shape how we interpret experiences and make decisions. They develop over time through various influences, including childhood experiences, social and cultural factors, and personal experiences. Key distinctions include fixed vs. growth mindset, abundance vs. scarcity mindset, and internal vs. external locus of control. A growth mindset embraces challenges and sees abilities as developable, while a fixed mindset believes abilities are static. Educational and social environments play a significant role in shaping mindsets. Supportive environments that reward curiosity and collaboration foster growth mindsets, while those that punish mistakes can lead to fixed mindsets. Mindsets can be intentionally reshaped through self-awareness, reflection, and exposure to new experiences. Techniques such as reframing limiting beliefs and using empowering language can facilitate this transformation. To change your mindset, focus on awareness of your current beliefs, challenge limiting thoughts, seek new experiences, practice mindfulness, redefine failure, and surround yourself with growth-oriented individuals. Consistency and repetition are crucial for reinforcing new thinking patterns. BEST MOMENTS "Mindsets are deeply held beliefs and attitudes about ourselves, others, the world in general. They shape how we interpret experiences and how we make decisions." "A fixed mindset believes intelligence, talent and abilities are static. You're either good at this or you're not." "The scarcity mindset sees life as a zero-sum game; there are limited opportunities for money, love, success." "Mindsets change through evidence and experience. I always say feel the fear and do it." "Mindset change equals awareness plus intention plus practice over time." The UK’s #1 Property Investing Event – MSOPI Training https://bit.ly/3FqcL4l The UK’s #1 Property Investing Event – MSOPI Training London https://bit.ly/4isD2xs HOST BIO Nick is an award winning property investor, voted Fastest Newcomer 2022 by Premier Property, and is an accredited Retrofit EPC Assessor. He sources and renovates properties for himself as well as other investors. While doing this he has developed his own systems for efficient investment, such as developing his own methods to save time when viewing properties and estimating market values and potential returns, costing out renovations. He spends three months of the year abroad and while there continues his business with use of modern technology and his proven systems. Location freedom has always been his "Why" for being a Property Investment and has now reached his ideal of the colder months spent in Thailand and the rest of the time in the UK, all while continuing to run his business This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this episode, Nick addresses common concerns about property investment, particularly in light of recent government changes and market fluctuations. He emphasises that property is not a get-rich-quick scheme but rather a long-term wealth-building strategy. Nick shares his personal investment approach, focusing on achieving a gross yield of at least 8% and the importance of thorough due diligence. He discusses his experiences with buy-to-let properties, the significance of capital growth over time, and the necessity of understanding local markets. KEY TAKEAWAYS Property investing is not a get-rich-quick scheme; it is a strategy for building wealth over time. A focus on long-term capital growth is essential, with properties generally appreciating in value over 20 to 25 years. Understanding and analysing the right financial metrics, such as gross yield and return on investment, is crucial. Aiming for a gross yield of at least 8% can provide a buffer against rising interest rates and other financial uncertainties. Thorough research on local property markets, demographics, and rental demand is vital. Knowing the area well, including transport links and local amenities, can significantly impact investment success. Engaging professionals like letting agents and mortgage brokers can save time and reduce stress. They can help manage properties, find good tenants, and navigate the complexities of financing. Understanding the tax implications of property investments, including income tax and capital gains tax, is essential. Consulting with a qualified accountant or tax advisor can help in structuring investments effectively and ensuring compliance with legal obligations. BEST MOMENTS "Property is not a get rich quick scheme. Property is a get wealthy over a long period of time." "You've got to ensure you get your numbers right on this. And I will do an episode on getting your numbers right." "If you don't find a way to make money while you sleep, you'll be working for the rest of your life." "You need to research those areas really carefully. Speak to different letting agents, estate agents, certain tools on the internet you can use to get information about that." "I believe in the Rob Moore philosophy here. B-H-D. Buy, hold, die. I'm not going to sell my properties." The UK’s #1 Property Investing Event – MSOPI Training https://is.gd/MSOPIPeterborough Join Kevin McDonnell, the UK's #1 creative finance expert, for the No Money Down Summit https://is.gd/KevinMcDonnellsNMDsummit The Mortgage Consultancy https://www.themortgageconsultancy.co.uk/ HOST BIO Nick is an award winning property investor, voted Fastest Newcomer 2022 by Premier Property, and is an accredited Retrofit EPC Assessor. He sources and renovates properties for himself as well as other investors. While doing this he has developed his own systems for efficient investment, such as developing his own methods to save time when viewing properties and estimating market values and potential returns, costing out renovations. He spends three months of the year abroad and while there continues his business with use of modern technology and his proven systems. Location freedom has always been his "Why" for being a Property Investment and has now reached his ideal of the colder months spent in Thailand and the rest of the time in the UK, all while continuing to run his business This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this episode, Nick delves into the critical differences between buy-to-let (BTL) mortgages and residential mortgages. Drawing from personal experiences, including a story about his sister's accidental landlord situation, Nick highlights the potential pitfalls of using the wrong mortgage type, such as severe penalties and financial repercussions. He explains the distinct criteria, costs, and regulatory frameworks associated with each mortgage type, emphasising the importance of understanding these differences for prospective borrowers. KEY TAKEAWAYS Buy-to-let (BTL) mortgages are specifically designed for properties intended to be rented out, while residential mortgages are for properties that will serve as the borrower's primary residence. Using a residential mortgage for a property that is rented out without the lender's consent can lead to severe penalties, including demands for full repayment of the loan, increased interest rates, and potential accusations of mortgage fraud. Lenders assess affordability differently for residential and buy-to-let mortgages. Residential mortgages primarily consider the borrower's personal income, while buy-to-let mortgages focus on the expected rental income from the property. Buy-to-let mortgages generally have higher interest rates and fees compared to residential mortgages due to the increased risk associated with rental income and potential void periods. The tax treatment differs significantly between the two mortgage types. For instance, interest on residential mortgages is not tax-deductible, while buy-to-let landlords face restrictions on deducting finance costs, impacting their overall tax liability. BEST MOMENTS "Living in a property with a residential mortgage that you intend to rent out without the lender's permission is a breach of contract and it can lead to severe penalties." "Buy-to-let mortgages attract a higher interest rate because there's an increased risk to the lender." "With a residential mortgage, lenders assess affordability primarily based on the borrower's personal income, whereas buy-to-let mortgages are predominantly based on the expected rental income from the property." "Since April 2020, landlords can no longer deduct all finance costs, including mortgage interest on their rental income to reduce their income tax." "While both mortgage types allow you to purchase property, buy-to-let mortgages are fundamentally investment products tailored to the risks and income streams associated with rental properties." The UK’s #1 Property Investing Event – MSOPI Training https://bit.ly/3FqcL4l The UK’s #1 Property Investing Event – MSOPI Training London https://bit.ly/4isD2xs HOST BIO Nick is an award winning property investor, voted Fastest Newcomer 2022 by Premier Property, and is an accredited Retrofit EPC Assessor. He sources and renovates properties for himself as well as other investors. While doing this he has developed his own systems for efficient investment, such as developing his own methods to save time when viewing properties and estimating market values and potential returns, costing out renovations. He spends three months of the year abroad and while there continues his business with use of modern technology and his proven systems. Location freedom has always been his "Why" for being a Property Investment and has now reached his ideal of the colder months spent in Thailand and the rest of the time in the UK, all while continuing to run his business This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this episode, Nick unpacks the concept of personal guarantees in the context of property investment mortgages in the UK. Aimed at newcomers to the property market, Nick explains what a personal guarantee is, how it works, and why lenders often require it from company directors or shareholders. He discusses the implications of signing a personal guarantee, including the potential risks to personal assets and credit scores, as well as strategies to mitigate these risks, such as negotiating terms and seeking independent legal advice. KEY TAKEAWAYS A personal guarantee is a legally binding promise made by an individual, typically a company director or shareholder, to be personally liable for the debts of a limited company if it defaults on its mortgage repayments. Lenders often require personal guarantees from directors or shareholders of limited companies as additional security, especially in property investment where loan amounts can be substantial. Signing a personal guarantee poses significant risks, including the potential loss of personal assets (like your home) if the company defaults on the mortgage, and it may also impact future borrowing capabilities. To mitigate risks associated with personal guarantees, individuals can negotiate terms with lenders, consider personal guarantee insurance, and seek independent legal advice before signing. It is crucial to understand the implications of a personal guarantee and to seek professional legal advice, ideally from a solicitor specialising in independent legal advice, to ensure informed decision-making. BEST MOMENTS "A personal guarantee in the context of property investment mortgage in the UK is a legally binding promise made by an individual to be personally liable for the debts of a limited company." "By signing a personal guarantee, you are agreeing to be personally responsible for repaying the mortgage debt if the company is unable to do so." "Limited companies have separate legal personality from their owners, which means that if a company goes into liquidation, the owner's personal assets are generally protected." "Having a personal guarantee in place can affect your ability to obtain other loans or mortgages in the future." "It's crucial to understand the risks involved and seek professional advice before signing one." The UK’s #1 Property Investing Event – MSOPI Training https://bit.ly/3FqcL4l The UK’s #1 Property Investing Event – MSOPI Training London https://bit.ly/4isD2xs HOST BIO Nick is an award winning property investor, voted Fastest Newcomer 2022 by Premier Property, and is an accredited Retrofit EPC Assessor. He sources and renovates properties for himself as well as other investors. While doing this he has developed his own systems for efficient investment, such as developing his own methods to save time when viewing properties and estimating market values and potential returns, costing out renovations. He spends three months of the year abroad and while there continues his business with use of modern technology and his proven systems. Location freedom has always been his "Why" for being a Property Investment and has now reached his ideal of the colder months spent in Thailand and the rest of the time in the UK, all while continuing to run his business This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Nick discusses how having an accountability buddy or group can significantly enhance commitment, motivation, and decision-making, ultimately leading to more consistent action in achieving property investment goals. He outlines the benefits of accountability, such as overcoming procrastination, improving decision-making, and providing emotional support during the ups and downs of the investment journey. KEY TAKEAWAYS Accountability is essential for property investors as it helps them stay focused on their goals, overcome procrastination, and make better decisions by being answerable to someone else. An accountability buddy can increase commitment and motivation, help overcome procrastination, improve decision-making, and provide emotional support throughout the property investment journey. Look for someone who is also a property investor, shares similar goals, is honest and trustworthy, and is willing to provide both encouragement and constructive feedback. An effective accountability system encourages setting specific, measurable, achievable, relevant, and time-bound (SMART) goals, rather than vague objectives, to ensure progress is trackable. For an accountability partnership to be effective, both parties must commit to regular check-ins, whether through phone calls, meetings, or messages, to maintain motivation and accountability. BEST MOMENTS "Accountability is crucial for property investors because it helps them stay on track with their goals." "Procrastination is you keep talking about doing something, but never actually doing it." "An accountability buddy can act as a sounding board to offer an objective perspective on potential deals." "You want someone that you can bounce things off and that will give you honest feedback." "Having those right people around you can supercharge your journey." The UK’s #1 Property Investing Event – MSOPI Training https://bit.ly/3FqcL4l The UK’s #1 Property Investing Event – MSOPI Training London https://bit.ly/4isD2xs HOST BIO Nick is an award winning property investor, voted Fastest Newcomer 2022 by Premier Property, and is an accredited Retrofit EPC Assessor. He sources and renovates properties for himself as well as other investors. While doing this he has developed his own systems for efficient investment, such as developing his own methods to save time when viewing properties and estimating market values and potential returns, costing out renovations. He spends three months of the year abroad and while there continues his business with use of modern technology and his proven systems. Location freedom has always been his "Why" for being a Property Investment and has now reached his ideal of the colder months spent in Thailand and the rest of the time in the UK, all while continuing to run his business This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Today, Nick discusses the pros and cons of buying new build properties. He shares insights from a conversation with aspiring investors who believe that new builds are a no-brainer investment. Nick outlines the advantages, such as low maintenance costs, energy efficiency, and the appeal of modern designs, while also highlighting significant drawbacks, including higher purchase prices, limited potential for value addition, and common construction issues. KEY TAKEAWAYS While new build properties offer advantages such as low maintenance costs, energy efficiency, and warranties, they also come with drawbacks like higher purchase prices, limited potential for value addition, and potential construction issues. The decision to invest in new builds versus existing properties should align with one's investment strategy, particularly whether the investor prefers hands-off, low-maintenance assets or properties with potential for renovation and value addition. New builds often come at a premium price, which can lead to a decrease in value during the first few years of ownership. Investors should be aware of this potential depreciation when considering new builds. New builds may have minor defects that require resolution, which can be time-consuming and frustrating. It's important for investors to be prepared for these potential issues even with warranties in place. For those new to property investing, it is recommended to focus on properties that allow for value addition through renovations rather than new builds, as this can lead to better capital appreciation and rental yields. BEST MOMENTS "Buying a new build offers a very different set of advantages and disadvantages compared to buying an existing property." "You will pay a premium on a new build, making it more difficult to achieve a high rental yield." "If you have a strategy of adding value, buying a new build means there's really no potential to add value." "While I might get a higher rent off these properties, I know there's no chance for me to make capital appreciation within a smaller time frame." "For a new property investor, I would say you don't want to be going down that route at the moment." The UK’s #1 Property Investing Event – MSOPI Training https://bit.ly/3FqcL4l The UK’s #1 Property Investing Event – MSOPI Training London https://bit.ly/4isD2xs HOST BIO Nick is an award winning property investor, voted Fastest Newcomer 2022 by Premier Property, and is an accredited Retrofit EPC Assessor. He sources and renovates properties for himself as well as other investors. While doing this he has developed his own systems for efficient investment, such as developing his own methods to save time when viewing properties and estimating market values and potential returns, costing out renovations. He spends three months of the year abroad and while there continues his business with use of modern technology and his proven systems. Location freedom has always been his "Why" for being a Property Investment and has now reached his ideal of the colder months spent in Thailand and the rest of the time in the UK, all while continuing to run his business This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this episode, Nick shares valuable insights on preparing for a lender's valuation inspection, focusing on two key scenarios: selling a property and preparing for a re-mortgage after renovations. Nick emphasises the importance of presentation and accessibility for sellers, detailing how a clean and organised home can create a positive impression for the surveyor. He also discusses the critical aspects of property condition that surveyors assess, such as structural integrity and core elements like plumbing and electrics. KEY TAKEAWAYS When selling a property, it's crucial to present a clean and tidy home to create a positive impression for the mortgage lender's surveyor. Decluttering and ensuring key areas are accessible can facilitate a smoother inspection process. Surveyors primarily assess the structural integrity and overall condition of the property. Homeowners should address visible issues such as dampness, roof condition, and the state of electrics and plumbing to avoid red flags that could impact the property's value. For property investors preparing for a re-mortgage valuation after renovations, having all relevant documentation, such as building regulations approvals, safety certificates, and warranties, is essential to demonstrate that the work was completed to a professional standard. Providing before-and-after photos and videos of renovations can effectively showcase the property's uplift in value. It's beneficial to create a Google Drive link to share these documents easily with the lender. Surveyors base their valuations on comparable sales in the area and prioritise the lender's security over the seller's profit expectations. Being prepared for a potential down valuation and having a well-documented case can help in negotiating a favourable outcome. BEST MOMENTS "A mortgage valuation is conducted on behalf of the lender, not the buyer. Its primary purpose is to confirm that the property is worth at least the amount you are borrowing." "If you have a new boiler put in, there's your certificate of installation. Windows installed, there's your FENCES certificate." "The surveyor will look for any red flags that could impact the property's value or the lender's security." "The surveyor's valuation will heavily rely on evidence that the renovations are legal and professionally completed." "A surveyor's priority is a safe lending decision, not meeting your profit expectations." The UK’s #1 Property Investing Event – MSOPI Training https://bit.ly/3FqcL4l The UK’s #1 Property Investing Event – MSOPI Training London https://bit.ly/4isD2xs HOST BIO Nick is an award winning property investor, voted Fastest Newcomer 2022 by Premier Property, and is an accredited Retrofit EPC Assessor. He sources and renovates properties for himself as well as other investors. While doing this he has developed his own systems for efficient investment, such as developing his own methods to save time when viewing properties and estimating market values and potential returns, costing out renovations. He spends three months of the year abroad and while there continues his business with use of modern technology and his proven systems. Location freedom has always been his "Why" for being a Property Investment and has now reached his ideal of the colder months spent in Thailand and the rest of the time in the UK, all while continuing to run his business This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this episode, Nick Bower delves into the topic of foam insulation, specifically spray polyurethane foam (PUF), and its implications for homeowners and property investors in the UK. Nick provides a balanced overview by discussing the pros, such as superior thermal efficiency, effective airtight sealing, and quick installation, alongside the significant cons, including the risk of moisture retention, potential timber rot, and challenges with property value and mortgage approvals.  KEY TAKEAWAYS Pros and Cons of Foam Insulation: Foam insulation, particularly spray polyurethane foam, offers superior thermal efficiency and an airtight seal, but it also poses significant risks such as moisture retention, potential timber rot, and complications with property value and mortgages. Moisture and Structural Risks: Improper installation or lack of ventilation can lead to moisture being trapped, which may cause timber decay and structural damage that is hidden beneath the foam insulation. Impact on Property Value: Properties with spray foam insulation may be deemed un-mortgageable or receive lower valuations from lenders and surveyors, making it difficult to sell or refinance. High Costs and Removal Challenges: The initial cost of foam insulation is significantly higher than traditional materials, and removal can be equally expensive and complicated, potentially costing as much as the installation itself. Regulatory Concerns: The spray foam insulation industry lacks comprehensive regulation, leading to concerns about installation quality and safety. Homeowners are advised to use certified professionals and keep thorough documentation to avoid future issues. BEST MOMENTS  "Foam insulation has a higher R value as a measure of thermal resistance per inch than traditional materials like mineral wool or fiberglass." "By creating that airtight seal, foam insulation can prevent moisture from escaping... this can cause roof timber to rot, leading to severe structural damage." "The presence of spray foam insulation... can mean they downvalue your property or may refuse your mortgage." "My personal opinion is it's not worth the hassle. It's expensive. It can hide problems. It can affect your value." "I feel that the cons far outweigh the pros of it... when it's affecting the value of your house, the chances of refinancing, getting a mortgage." https://bit.ly/3FqcL4l  The UK’s #1 Property Investing Event – MSOPI Training London https://bit.ly/4isD2xs  HOST BIO Nick is an award winning property investor, voted Fastest Newcomer 2022 by Premier Property, and is an accredited Retrofit EPC Assessor. He sources and renovates properties for himself as well as other investors. While doing this he has developed his own systems for efficient investment, such as developing his own methods to save time when viewing properties and estimating market values and potential returns, costing out renovations. He spends three months of the year abroad and while there continues his business with use of modern technology and his proven systems. Location freedom has always been his "Why" for being a Property Investment and has now reached his ideal of the colder months spent in Thailand and the rest of the time in the UK, all while continuing to run his business This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Today, Nick delves into the essential topic of due diligence in property investing. He emphasises the importance of starting your research before committing to becoming a property investor, highlighting that property investing is not a get-rich-quick scheme but rather a long-term strategy for building wealth. KEY TAKEAWAYS Begin your due diligence before deciding to become a property investor. Understand your financial goals and whether property investing aligns with them. Property Investing is Not a Get-Rich-Quick Scheme - It requires time and effort to build wealth. Expect gradual growth rather than instant financial freedom. Invest in your knowledge through training and education. Seek reputable training providers and be open to learning from various sources to enhance your understanding of property investing. For beginners, starting with light refurbishments on buy-to-let properties is advisable. Avoid complex projects until you have gained more experience. Attend events like the Multiple Streams of Property Income (MSOPI) to connect with experienced investors and mentors. Building relationships in the industry can provide valuable insights and support. BEST MOMENTS "Property investing is not for everyone. It's not a get-rich-quick scheme. It's not going to give you instant financial freedom." "You need to find events like this. For me, Progressive provide the best training at the moment." "If you want passive income, something's going to come in. Yeah, it will give you that passive income." "You have to spend money on training, spend money on compliance, period." "You need to get the knowledge from people that do it. Are they teaching what they do or are they doing what they teach?" The UK’s #1 Property Investing Event – MSOPI Training https://bit.ly/3FqcL4l The UK’s #1 Property Investing Event – MSOPI Training London https://bit.ly/4isD2xs HOST BIO Nick is an award winning property investor, voted Fastest Newcomer 2022 by Premier Property, and is an accredited Retrofit EPC Assessor. He sources and renovates properties for himself as well as other investors. While doing this he has developed his own systems for efficient investment, such as developing his own methods to save time when viewing properties and estimating market values and potential returns, costing out renovations. He spends three months of the year abroad and while there continues his business with use of modern technology and his proven systems. Location freedom has always been his "Why" for being a Property Investment and has now reached his ideal of the colder months spent in Thailand and the rest of the time in the UK, all while continuing to run his business This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this episode, Nick delves into the essential topic of finding the right mentor in the property investment field. He emphasises that mentors may change over time as your needs evolve and shares his personal experiences with both good and bad mentors. Nick outlines key qualities to look for in a mentor, such as proven experience, honesty, integrity, and effective communication skills. He also discusses the importance of accountability and setting realistic expectations in the mentorship relationship. KEY TAKEAWAYS A mentor's relevance may change over time as your needs and goals evolve. It's important to recognise when it's time to seek a new mentor who aligns better with your current objectives. Look for a mentor with a successful track record in the specific investment strategy you are pursuing. They should be actively involved in the market to provide relevant insights and guidance. A good mentor should be transparent about the challenges of property investing and share their own mistakes. Avoid mentors who promise quick riches or downplay the risks involved. Effective mentors should be approachable, able to explain complex topics clearly, and actively listen to your questions. Good communication fosters a productive mentor-mentee relationship. A mentor should hold you accountable for your progress and help you navigate setbacks. They should also set realistic expectations about the time and effort required to succeed in property investing. BEST MOMENTS "A great mentor will save you time and money by helping you avoid common mistakes. They will have already made the mistakes and can hopefully help guide you around them." "You need someone that keeps you on track for your goals, that's got your best interests at heart, that doesn't just want to sit there and earn their money from the mentorship." "The best mentors will tell you what you need to hear, not what you want to hear. They will manage your expectations." "You have to question their values and their approach. How many people are they mentoring at one time?" "Don't part with your money until you're sure that they're the right mentor for you. Best advice I can give: research, research, research." The UK’s #1 Property Investing Event – MSOPI Training https://bit.ly/3FqcL4l The UK’s #1 Property Investing Event – MSOPI Training London https://bit.ly/4isD2xs HOST BIO Nick is an award winning property investor, voted Fastest Newcomer 2022 by Premier Property, and is an accredited Retrofit EPC Assessor. He sources and renovates properties for himself as well as other investors. While doing this he has developed his own systems for efficient investment, such as developing his own methods to save time when viewing properties and estimating market values and potential returns, costing out renovations. He spends three months of the year abroad and while there continues his business with use of modern technology and his proven systems. Location freedom has always been his "Why" for being a Property Investment and has now reached his ideal of the colder months spent in Thailand and the rest of the time in the UK, all while continuing to run his business This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Nick delves into the serious topic of Awaab's Law, introduced in response to the tragic death of two-year-old Awaab Ishak due to prolonged exposure to mould in his social housing flat. The episode provides a comprehensive overview of the law's background, its implications for social housing landlords, and the urgent need for accountability in addressing hazardous living conditions. Nick also discusses the systemic failures that led to Awaab's death, including landlord inaction and the dismissal of tenant concerns, and emphasises the moral duty of all landlords to ensure safe living environments. KEY TAKEAWAYS Awaab's Law was established following the tragic death of two-year-old Awaab Ishak due to prolonged exposure to mould in his social housing flat, aiming to hold landlords accountable for dangerous living conditions. The law mandates that landlords must investigate reports of damp and mould within specific timeframes and begin repairs promptly if a significant hazard is identified, ensuring tenants have safer living conditions. Awaab's Law empowers tenants by incorporating legal rights into tenancy agreements, allowing them to hold landlords accountable in court for breaches of contract related to unsafe living conditions. The law will be implemented in phases, starting in late 2025, with strict deadlines for landlords to address emergency hazards, including damp and mould, and to provide alternative accommodation if necessary. While Awaab's Law currently applies to social housing, private landlords also have a moral obligation to maintain safe living conditions and address hazards like damp and mould, as future legislation may extend similar requirements to the private rented sector. BEST MOMENTS "Awaab's official medical cause of death was recorded as acute airway oedema with severe granulomatous tracheobronchitis due to environmental mould exposure." "The law is a direct legacy of Awaab Ishak's death, designed to enforce a moral duty on landlords to provide safe housing." "This exposure was found to be the sole cause of his severe respiratory condition which ultimately led to respiratory and then cardiac arrest." "You cannot blame someone's lifestyle. It may be a contributing factor, but it's not going to be the whole cause." "If you're a private landlord, don't sit on your laurels; you have a moral duty to tackle these mould issues." The UK’s #1 Property Investing Event – MSOPI Training https://bit.ly/3FqcL4l The UK’s #1 Property Investing Event – MSOPI Training London https://bit.ly/4isD2xs HOST BIO Nick is an award winning property investor, voted Fastest Newcomer 2022 by Premier Property, and is an accredited Retrofit EPC Assessor. He sources and renovates properties for himself as well as other investors. While doing this he has developed his own systems for efficient investment, such as developing his own methods to save time when viewing properties and estimating market values and potential returns, costing out renovations. He spends three months of the year abroad and while there continues his business with use of modern technology and his proven systems. Location freedom has always been his "Why" for being a Property Investment and has now reached his ideal of the colder months spent in Thailand and the rest of the time in the UK, all while continuing to run his business This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this episode, Nick breaks down the Decent Home Standard, a crucial aspect of the upcoming Renters' Rights Bill set to impact landlords significantly. He explains the standard's aim to ensure that both social and private rented housing meet minimum safety and quality criteria, including the elimination of damp and mold. Nick outlines the four key criteria that define a decent home, such as the statutory minimum standard for housing, reasonable state of repair, modern facilities, and thermal comfort. KEY TAKEAWAYS The Decent Home Standard is part of the Renters' Rights Bill, aimed at ensuring both social and private rented housing meet minimum safety and quality criteria. It includes provisions to eliminate damp and mould, which have been linked to serious health issues. The proposed implementation dates for the new standards in the private rented sector are set for either 2035 or 2037, allowing landlords a long lead-up time to comply with the new regulations. The standard evaluates properties based on the HHSRS, which assesses 29 specific hazards. A home fails if it contains any Category 1 hazards, which pose an immediate risk to health and safety. Awab's Law, named after a child who died due to mould exposure, mandates that landlords address damp and mould hazards within specific timeframes. The law will be implemented in phases, with the first phase focusing on urgent repairs and the second phase expanding to cover a broader range of hazards. BEST MOMENTS "The new standard will be common to both social and private rented housing ensuring tenants have the same minimum level of safety and quality." "A home fails this part of the standard if it contains any category one hazards. These are serious and immediate risks to a person's health and safety." "It's a legal requirement based on the Housing Health and Safety Rating System, a risk-based assessment used by local authorities in England and Wales." "No one wants to be in that situation where a young child loses life because of damp and mould." "The timeline for the implementation of this revised decent home standards... is really complex and phased." The UK’s #1 Property Investing Event – MSOPI Training https://bit.ly/3FqcL4l The UK’s #1 Property Investing Event – MSOPI Training London https://bit.ly/4isD2xs HOST BIO Nick is an award winning property investor, voted Fastest Newcomer 2022 by Premier Property, and is an accredited Retrofit EPC Assessor. He sources and renovates properties for himself as well as other investors. While doing this he has developed his own systems for efficient investment, such as developing his own methods to save time when viewing properties and estimating market values and potential returns, costing out renovations. He spends three months of the year abroad and while there continues his business with use of modern technology and his proven systems. Location freedom has always been his "Why" for being a Property Investment and has now reached his ideal of the colder months spent in Thailand and the rest of the time in the UK, all while continuing to run his business This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Gas Safe Register Explained: What Every UK Landlord Must Know Today Nick tackles one of the most important responsibilities for landlords and property investors: gas safety. He explains the role of the Gas Safe Register, the legal requirements for annual checks, and the serious consequences of non-compliance. Nick also shares practical advice on how to choose the right gas engineer – from checking their Gas Safe ID and registration to assessing experience and insurance. You’ll learn what actually happens during a gas safety inspection, what documentation you must provide to tenants, and why building a reliable relationship with a qualified engineer can save you stress and money in the long run. This episode is essential listening for any UK landlord or property investor who wants to stay compliant, protect tenants, and safeguard their investments. KEY TAKEAWAYS Gas Safe Register importance – the official UK body ensuring only qualified engineers work on gas appliances. Landlord legal responsibilities – annual safety checks, CP12 certificates, and tenant record requirements. Choosing a gas engineer – verifying Gas Safe ID, experience, quotes, and insurance. Gas safety inspection process – appliance checks, pipework/flue inspections, ventilation, and safety device testing. Ongoing compliance – why long-term relationships with reliable engineers and clear communication matter. BEST MOMENTS "Failing to comply with regulations can lead to severe consequences including substantial fines and even imprisonment." "It's crucial for demonstrating that you've fulfilled your legal responsibilities; unsafe and illegal gas work can lead to expensive repairs or even significant damage." "You want to prioritise experience; a good engineer will have a portfolio or references from similar projects." "You have a legal obligation to get an annual gas safety check done on each of your properties." The UK’s #1 Property Investing Event – MSOPI Training https://bit.ly/3FqcL4l  The UK’s #1 Property Investing Event – MSOPI Training London https://bit.ly/4isD2xs  Nick is an award winning property investor, voted Fastest Newcomer 2022 by Premier Property, and is an accredited Retrofit EPC Assessor. He sources and renovates properties for himself as well as other investors. While doing this he has developed his own systems for efficient investment, such as developing his own methods to save time when viewing properties and estimating market values and potential returns, costing out renovations. He spends three months of the year abroad and while there continues his business with use of modern technology and his proven systems. Location freedom has always been his "Why" for being a Property Investment and has now reached his ideal of the colder months spent in Thailand and the rest of the time in the UK, all while continuing to run his business This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this episode, Nick delves into the complexities of property boundaries in the UK, covering essential topics such as fences, hedges, and walls. He explains the various legal frameworks that govern boundary ownership, including property deeds, the Town and Country Planning Act, and the Party Wall Act. Nick discusses height restrictions for boundary structures, the implications of high hedges under the Antisocial Behaviour Act, and the importance of maintaining clear communication with neighbours to resolve disputes amicably. The UK’s #1 Property Investing Event – MSOPI Training https://bit.ly/3FqcL4l The UK’s #1 Property Investing Event – MSOPI Training London https://bit.ly/4isD2xs KEY TAKEAWAYS There is no universal rule for determining boundary ownership in the UK. Property deeds, conveyance documents, and long-standing practices are key factors in establishing ownership and responsibility for boundaries. Under the Town and Country Planning Act, certain minor works like fences, gates, and walls can be carried out without a full planning application, but there are specific height limits and regulations, especially near highways and in conservation areas. This act requires homeowners to serve a notice to neighbours when undertaking certain works on party walls or party fence walls. However, timber fences are not covered by this act, and there is generally no obligation to maintain a boundary fence unless specified in property deeds. The Anti-Social Behaviour Act 2003 addresses disputes over high hedges, focusing on those that obstruct light or access. There is no legal maximum height for hedges, but they must not adversely affect a neighbour's enjoyment of their property. It is recommended to resolve boundary disputes informally through clear communication with neighbours before seeking professional mediation or legal advice. Keeping detailed records of all correspondence is crucial for any potential legal proceedings. BEST MOMENTS "Ownership and responsibility are often established by property deeds. A single T on one side of a boundary line indicates the ownership and responsibility for that boundary." "There's no legal obligation to erect or maintain a physical boundary fence or wall within properties unless specifically stipulated by your property deed." "High hedges are covered by the Antisocial Behaviour Act 2003. A definition of a high hedge consists of a line of two or more trees or shrubs more than two meters tall." "If a neighbour's hedge or tree encroaches onto your property, you have the common law right to trim back parts that are over your boundary." "Boundary disputes can be complex and highly dependent on individual circumstances and specific property deeds." HOST BIO Nick is an award winning property investor, voted Fastest Newcomer 2022 by Premier Property, and is an accredited Retrofit EPC Assessor. He sources and renovates properties for himself as well as other investors. While doing this he has developed his own systems for efficient investment, such as developing his own methods to save time when viewing properties and estimating market values and potential returns, costing out renovations. He spends three months of the year abroad and while there continues his business with use of modern technology and his proven systems. Location freedom has always been his "Why" for being a Property Investment and has now reached his ideal of the colder months spent in Thailand and the rest of the time in the UK, all while continuing to run his business This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this episode, Nick delves into the intricacies of the General Data Protection Regulation (GDPR), a comprehensive data privacy law that has been in effect since May 25, 2018. He discusses the core principles of GDPR, including lawfulness, fairness, transparency, purpose limitation, data minimisation, accuracy, storage limitation, integrity, confidentiality, and accountability. Nick emphasises the importance of compliance for businesses, particularly those in the property sector, and outlines the legal obligations, individual rights, and potential penalties for non-compliance. KEY TAKEAWAYS GDPR, or General Data Protection Regulation, is a comprehensive data privacy law that came into effect on May 25, 2018, and applies to organisations processing personal data of individuals in the UK and EU, regardless of where the organisation is based. GDPR is built on seven key principles, including lawfulness, fairness, transparency, purpose limitation, data minimisation, accuracy, storage limitation, integrity, confidentiality, and accountability. Organisations must adhere to these principles when processing personal data. GDPR grants individuals several rights regarding their personal data, including the right to be informed, access, rectification, erasure, restriction of processing, data portability, and objection to processing. Organisations must be prepared to facilitate these rights. Businesses must maintain detailed records of their data processing activities, implement appropriate security measures, and conduct Data Protection Impact Assessments (DPIAs) for high-risk processing activities to ensure compliance with GDPR. Failure to comply with GDPR can result in significant fines (up to 20 million euros or 4% of global annual turnover) and reputational damage, highlighting the importance of ongoing compliance efforts and the need for organisations to regularly review their data protection policies and procedures. BEST MOMENTS "GDPR is built on seven key principles that organisations must adhere to when processing personal data." "Processing must be lawful, fair, and transparent in the individuals whose data is being processed." "If processing is likely to result in a high risk to individuals' rights and freedoms, a DPIA may be mandatory." "Failure to comply with GDPR can result in significant fines up to 20 million euros or four percent of the organisation's total worldwide annual turnover." "Compliance is not a one-time activity but an ongoing process that requires continuous effort and adaptation." The UK’s #1 Property Investing Event – MSOPI Training https://bit.ly/3FqcL4l The UK’s #1 Property Investing Event – MSOPI Training London https://bit.ly/4isD2xs HOST BIO Nick is an award winning property investor, voted Fastest Newcomer 2022 by Premier Property, and is an accredited Retrofit EPC Assessor. He sources and renovates properties for himself as well as other investors. While doing this he has developed his own systems for efficient investment, such as developing his own methods to save time when viewing properties and estimating market values and potential returns, costing out renovations. He spends three months of the year abroad and while there continues his business with use of modern technology and his proven systems. Location freedom has always been his "Why" for being a Property Investment and has now reached his ideal of the colder months spent in Thailand and the rest of the time in the UK, all while continuing to run his business This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/