Welcome back to another episode of The Property Journey Podcast: Beginner to Expert. The Autumn Budget 2025 has arrived and after much speculation, we finally get to look at the details of what the Chancellor, Rachel Reeves, is set to bring in in terms of taxes, spending and cuts!  We take a look at what has been announced, ranging from National Minimum Wage increases to Threshold Freezes, increases in property taxes on profits made, to changes set to be enforced on pensions and Cash ISA's.  The Autumn Budget 2025 was set to be a doom and gloom budget, certainly if the speculation before hand was anything to go by, but judging by our interpretation, it certainly hasn't been as bad as what was expected. This episode is our own personal interpretations of the budget, and many will have a differing opinion on it. If you would like to discuss your own personal situations, feel free to get in touch. This is not to be taken as financial advice. If you are interested in Property Investment, speak to a property expert or a financial advisor before following through and ensure you carry out your own research. If you have any questions that you would like to put forward to The Property Journey Podcast, be sure to hit us up on Social Media with the title ASK101 and we will answer your questions! Check out all episodes on our YouTube channel @RoyDouganPropertyExpert or for audio only, visit all major podcast providers and search The Property Journey Podcast or view all links here: https://linktr.ee/thepropertyjourneypod If you like this, follow us on our social media pages: https://www.facebook.com/roydouganyourpropertyexpert https://www.instagram.com/roydouganpropertyexpert https://www.tiktok.com/thepropertyjourneypod Let us know if you have any questions in the comments below!

Welcome back to another episode of The Property Journey Podcast: Beginner to Expert. In Episode 37 is all about the Autumn Budget 2025, with a full preview of what potentially could be expected when the Budget is announced on November 26th 2025. So far, there has already been speculation as to what could potentially be announced by the chancellor, with potentially increase in Income Tax, VAT and National Insurance (either one of these three, increases and reductions, or a mixture).  There has also been discussions around revamping the Stamp Duty tax, introduction of capital gains tax on residential property profits, amongst other increases in areas such as Inheritance Tax, Capital Gains and more. As this is a preview, this episode is simply speculation and we will not know for definite any of the potential changes that are set to be introduced, until they are announced on November 26th.  This is not to be taken as financial advice. If you are interested in Property Investment, speak to a property expert or a financial advisor before following through and ensure you carry out your own research. If you have any questions that you would like to put forward to The Property Journey Podcast, be sure to hit us up on Social Media with the title ASK101 and we will answer your questions! Check out all episodes on our YouTube channel @RoyDouganPropertyExpert  or for audio only, visit all major podcast providers and search The Property Journey Podcast or view all links here: https://linktr.ee/thepropertyjourneypod If you like this, follow us on our social media pages: https://www.facebook.com/roydouganyourpropertyexpert https://www.instagram.com/roydouganpropertyexpert https://www.tiktok.com/thepropertyjourneypod Let us know if you have any questions in the comments below!

Welcome back to another episode of The Property Journey Podcast: Beginner to Expert. Northern Ireland is in a very unique area, bordering the Republic of Ireland, while also having the Irish sea between it and the rest of the UK. When it comes to Property Investment, we discuss the reasons why some people would choose to invest in Northern Ireland from these other areas and discuss some of the challenges, considerations and potential pitfalls of investing either in NI, or from NI investing in the rest of the UK and ROI.  This is not to be taken as financial advice. If you are interested in Property Investment, speak to a property expert or a financial advisor before following through and ensure you carry out your own research. If you have any questions that you would like to put forward to The Property Journey Podcast, be sure to hit us up on Social Media with the title ASK101 and we will answer your questions! Check out all episodes on our YouTube channel @RoyDouganPropertyExpert  or for audio only, visit all major podcast providers and search The Property Journey Podcast or view all links here: https://linktr.ee/thepropertyjourneypod If you like this, follow us on our social media pages: https://www.facebook.com/roydouganyourpropertyexpert https://www.instagram.com/roydouganpropertyexpert https://www.tiktok.com/thepropertyjourneypod Let us know if you have any questions in the comments below!

Welcome back to another episode of The Property Journey Podcast: Beginner to Expert. Succession & Estate Planning is not just for certain people, it is for everyone. Whether you simply have one bank account with some money or a business and property portfolio, everyone should consider succession and estate planning. In Episode 35, we take a look at important documents such as your Will, Enduring Powers of Attorney, Property Trusts and much more, hopefully helping you make the right informed decision as to what best suits you and your needs. This is not to be taken as financial advice. If you are interested in Property Investment, speak to a property expert or a financial advisor before following through and ensure you carry out your own research. If you have any questions that you would like to put forward to The Property Journey Podcast, be sure to hit us up on Social Media with the title ASK101 and we will answer your questions! Check out all episodes on our YouTube channel @RoyDouganPropertyExpert or for audio only, visit all major podcast providers and search The Property Journey Podcast or view all links here: https://linktr.ee/thepropertyjourneypod If you like this, follow us on our social media pages: https://www.facebook.com/roydouganyourpropertyexpert https://www.instagram.com/roydouganpropertyexpert https://www.tiktok.com/thepropertyjourneypod Let us know if you have any questions in the comments below!

Welcome back to another episode of The Property Journey Podcast: Beginner to Expert. In Episode 34 we take a look at Property Disputes and the different types of disputes you can face within the property industry. Ranging from disputes between property investors, to tenant and landlord disputes, as well as property disputes involving neighbours and boundaries.  We discuss how each of these potential disputes can arise, and what the best possible circumstances are to deal with it, or also to avoid it altogether. Some of these are simply examples, and many people may not see disputes ever across their property journey, however sometimes disputes are all too common, when it comes to things such as fences, boundary walls and more. This is not to be taken as financial advice. If you are interested in Property Investment, speak to a property expert or a financial advisor before following through and ensure you carry out your own research. If you have any questions that you would like to put forward to The Property Journey Podcast, be sure to hit us up on Social Media with the title ASK101 and we will answer your questions! Check out all episodes on our YouTube channel @RoyDouganPropertyExpert  or for audio only, visit all major podcast providers and search The Property Journey Podcast or view all links here: https://linktr.ee/thepropertyjourneypod If you like this, follow us on our social media pages: https://www.facebook.com/roydouganyourpropertyexperthttps://www.instagram.com/roydouganpropertyexpert https://www.tiktok.com/thepropertyjourneypod Let us know if you have any questions in the comments below!

Welcome back to another episode of The Property Journey Podcast: Beginner to Expert. We take a look at different Investment Scenarios in Episode 33, ranging from what happens if a deal falls through to potential tenants falling into arrears, as well as financial backers pulling out of deals, plus much more.  We take a look at how best to deal with these scenarios, what the potential outcomes could be and the potential risks or consequences of each scenario.  This is not to be taken as financial advice. If you are interested in Property Investment, speak to a property expert or a financial advisor before following through and ensure you carry out your own research. If you have any questions that you would like to put forward to The Property Journey Podcast, be sure to hit us up on Social Media with the title ASK101 and we will answer your questions! Check out all episodes on our YouTube channel @RoyDouganPropertyExpert  or for audio only, visit all major podcast providers and search The Property Journey Podcast or view all links here: https://linktr.ee/thepropertyjourneypod If you like this, follow us on our social media pages: https://www.facebook.com/roydouganyourpropertyexperthttps://www.instagram.com/roydouganpropertyexpert https://www.tiktok.com/thepropertyjourneypod Let us know if you have any questions in the comments below!

Welcome back to another episode of The Property Journey Podcast: Beginner to Expert. Episode 32 discusses Portfolio Scaling and Exit Strategies, both of which are considerate when it comes to Property Investment. Portfolio Scaling is essentially growing your portfolio of properties, building it up and increasing it. We discuss risk, difficulties, to-do's and not to-do's plus more. Then when the time is right, we discuss exit strategies, how do you go about exiting the market, when is the right time to do this or simply when should you even be thinking about your exit strategy? A short episode but packed with plenty of information to divulge! This is not to be taken as financial advice. If you are interested in Property Investment, speak to a property expert or a financial advisor before following through and ensure you carry out your own research. If you have any questions that you would like to put forward to The Property Journey Podcast, be sure to hit us up on Social Media with the title ASK101 and we will answer your questions! Check out all episodes on our YouTube channel  @RoyDouganPropertyExpert  or for audio only, visit all major podcast providers and search The Property Journey Podcast or view all links here: https://linktr.ee/thepropertyjourneypod If you like this, follow us on our social media pages: https://www.facebook.com/roydouganyourpropertyexperthttps://www.instagram.com/roydouganpropertyexpert https://www.tiktok.com/thepropertyjourneypod Let us know if you have any questions in the comments below!

Welcome back to another episode of The Property Journey Podcast: Beginner to Expert. Episode 31 sees us take a look at renovations and refurbishments of properties. When buying a property, either as an investment property or for your new home, you may or may not like the interior / exterior of the property and therefore may choose to renovate or refurbish. This could be as little as a quick freshen of paint in the rooms and new carpet, or extensive refurbishment for things such as kitchens and bathrooms, to extensions being build on to the property. We take a look at some of these scenarios and discuss things like costings, common trends and much more. This is not to be taken as financial advice. If you are interested in Property Investment, speak to a property expert or a financial advisor before following through and ensure you carry out your own research. If you have any questions that you would like to put forward to The Property Journey Podcast, be sure to hit us up on Social Media with the title ASK101 and we will answer your questions! Check out all episodes on our YouTube channel  @RoyDouganPropertyExpert  or for audio only, visit all major podcast providers and search The Property Journey Podcast or view all links here: https://linktr.ee/thepropertyjourneypod If you like this, follow us on our social media pages: https://www.facebook.com/roydouganyourpropertyexperthttps://www.instagram.com/roydouganpropertyexpert https://www.tiktok.com/thepropertyjourneypod Let us know if you have any questions in the comments below!

Welcome back to another episode of The Property Journey Podcast: Beginner to Expert. As we reach Episode 30 of The Property Journey Podcast, we decided for this episode to run through a few of the listener's questions that we've been receiving through our social media. Ranging from Home Mover questions to first time buyers, as well as investment questions and a few about why we even started this podcast, we cover a few of each of these in this episode. This is not to be taken as financial advice. If you are interested in Property Investment, speak to a property expert or a financial advisor before following through and ensure you carry out your own research. If you have any questions that you would like to put forward to The Property Journey Podcast, be sure to hit us up on Social Media with the title ASK101 and we will answer your questions! Check out all episodes on our YouTube channel  @RoyDouganPropertyExpert  or for audio only, visit all major podcast providers and search The Property Journey Podcast or view all links here: https://linktr.ee/thepropertyjourneypod If you like this, follow us on our social media pages: https://www.facebook.com/roydouganyourpropertyexpert https://www.instagram.com/roydouganpropertyexpert https://www.tiktok.com/thepropertyjourneypod Let us know if you have any questions in the comments below!

Welcome back to another episode of The Property Journey Podcast: Beginner to Expert. Commercial property is a big part of investing when it comes to property. In this episode we discuss commercial property, the different types of commercial property to consider and also the risks involved when it comes to this type of investment.  As well as this, we take a look at some of the reasons why investors choose commercial, whether this be outright, or to compliment their portfolio by diversification. Commercial property has many of it's own challenges, as well as benefits, and we delve right into all of them.  This is not to be taken as financial advice. If you are interested in Property Investment, speak to a property expert or a financial advisor before following through and ensure you carry out your own research. If you have any questions that you would like to put forward to The Property Journey Podcast, be sure to hit us up on Social Media with the title ASK101 and we will answer your questions! Check out all episodes on our YouTube channel  @RoyDouganPropertyExpert or for audio only, visit all major podcast providers and search The Property Journey Podcast or view all links here: https://linktr.ee/thepropertyjourneypod If you like this, follow us on our social media pages: https://www.facebook.com/roydouganyourpropertyexpert https://www.instagram.com/roydouganpropertyexpert https://www.tiktok.com/thepropertyjourneypod Let us know if you have any questions in the comments below!

Welcome back to another episode of The Property Journey Podcast: Beginner to Expert. When it comes to Success, people will define it in different ways. Success can be achieving the goals you set out to achieve, or being successful for someone could be making money.  In our latest episode, we take a look at some property investment success stories, as well as looking at unsuccessful stories, and how people can define successful / unsuccessful ventures. We also discuss how social media can have a negative outlook when it comes to viewing success, as only "success" is broadcast, and not the full picture.  Episode 028 is also there to discuss risk, and how property investment is a risk, no matter how much money you invest. And risk must always be considered when considering property investment. This is not to be taken as financial advice. If you are interested in Property Investment, speak to a property expert or a financial advisor before following through and ensure you carry out your own research. If you have any questions that you would like to put forward to The Property Journey Podcast, be sure to hit us up on Social Media with the title ASK101 and we will answer your questions! Check out all episodes on our YouTube channel  @RoyDouganPropertyExpert or for audio only, visit all major podcast providers and search The Property Journey Podcast or view all links here: https://linktr.ee/thepropertyjourneypod If you like this, follow us on our social media pages: https://www.facebook.com/roydouganyourpropertyexpert https://www.instagram.com/roydouganpropertyexpert https://www.tiktok.com/thepropertyjourneypod Let us know if you have any questions in the comments below!

Welcome back to another episode of The Property Journey Podcast: Beginner to Expert. Episode 027 takes us to Property Valuations and Negotiations. In the first part of this episode, we discuss many of the factors that can affect a property's value, as well as looking at the perspective from as a buyer, and also as a seller. As we move on, we then take a look at negotiations and how negotiations can be carried out between the buyer and seller. We look at some of the most common mistakes that are made, and Roy also provides a little bit of insight into things that you should be looking out for. This is not to be taken as financial advice. If you are interested in Property Investment, speak to a property expert or a financial advisor before following through and ensure you carry out your own research. If you have any questions that you would like to put forward to The Property Journey Podcast, be sure to hit us up on Social Media with the title ASK101 and we will answer your questions! Check out all episodes on our YouTube channel  @RoyDouganPropertyExpert  or for audio only, visit all major podcast providers and search The Property Journey Podcast or view all links here: https://linktr.ee/thepropertyjourneypod If you like this, follow us on our social media pages: https://www.facebook.com/roydouganyourpropertyexpert https://www.instagram.com/roydouganpropertyexpert https://www.tiktok.com/thepropertyjourneypod Let us know if you have any questions in the comments below!

Welcome back to another episode of The Property Journey Podcast: Beginner to Expert. In Episode 026 of The Property Journey Podcast we take a look at land, developments and where to expect new housing estates. For many, the idea of where to purchase land can be a difficult one, as well as how to come about purchasing it. This along with planning, a huge things which need to be looked at before pushing ahead with the building of properties or a property.  From a developer point of view, we look at how they are purchasing land, in the outskirts of towns and cities, or in wasteland / previously used sites.  As well as this, we take a look at where we expect new developments to pop up in the local area, for those keeping an eye out for new housing developments to purchase as their first home, or as an investment property.  This is not to be taken as financial advice. If you are interested in Property Investment, speak to a property expert or a financial advisor before following through and ensure you carry out your own research. If you have any questions that you would like to put forward to The Property Journey Podcast, be sure to hit us up on Social Media with the title ASK101 and we will answer your questions!  Check out all episodes on our YouTube channel @RoyDouganPropertyExpert or for audio only, visit all major podcast providers and search The Property Journey Podcast or view all links here: https://linktr.ee/thepropertyjourneypod If you like this, follow us on our social media pages: https://www.facebook.com/roydouganyourpropertyexpert https://www.instagram.com/roydouganpropertyexpert https://www.tiktok.com/thepropertyjourneypod Let us know if you have any questions in the comments below!

Welcome back to another episode of The Property Journey Podcast: Beginner to Expert. In Episode 025 of The Property Journey Podcast we take a look at a Day In The Life of a Property Expert. Roy discusses some of his daily and weekly routine in juggling the legal side of property and conveyancing, as well as discussing his work with rental properties, renovations and investment clients.  As well as this, Roy also discusses some of his top tips in how he finds time to relax and wind down, how he sets himself up for the week with his strategies and goals, plus a whole lot more. A nice short episode which will allow you to get to know Roy just that little bit more.  This is not to be taken as financial advice. If you are interested in Property Investment, speak to a property expert or a financial advisor before following through and ensure you carry out your own research. If you have any questions that you would like to put forward to The Property Journey Podcast, be sure to hit us up on Social Media with the title ASK101 and we will answer your questions! Check out all episodes on our YouTube channel, @RoyDouganPropertyExpert or for audio only, visit all major podcast providers and search The Property Journey Podcast or view all links here: https://linktr.ee/thepropertyjourneypod If you like this, follow us on our social media pages: https://www.facebook.com/roydouganyourpropertyexpert https://www.instagram.com/roydouganpropertyexpert https://www.tiktok.com/thepropertyjourneypod Let us know if you have any questions in the comments below!

Welcome back to another episode of The Property Journey Podcast: Beginner to Expert. Following on from our previous episode, we take a look at Strategies for Property Investment. In Episode 024 this is where we look at the different elements that should be considered when building out your strategy if you intend to invest in property. Areas that we discuss include location of the property, what you should include in your strategy, management of properties, what type of property you intend to invest in, market research and a whole lot more! We also discuss risk and how the property market is just that, a market, in which prices can go up and down, therefore this is the same as your finances.   This is not to be taken as financial advice. If you are interested in Property Investment, speak to a property expert or a financial advisor before following through and ensure you carry out your own research. If you have any questions that you would like to put forward to The Property Journey Podcast, be sure to hit us up on Social Media with the title ASK101 and we will answer your questions! Check out all episodes on our YouTube channel, @RoyDouganPropertyExpert or for audio only, visit all major podcast providers and search The Property Journey Podcast or view all links here: https://linktr.ee/thepropertyjourneypod If you like this, follow us on our social media pages: https://www.facebook.com/roydouganyourpropertyexpert https://www.instagram.com/roydouganpropertyexpert https://www.tiktok.com/thepropertyjourneypod Let us know if you have any questions in the comments below!

Welcome back to another episode of The Property Journey Podcast: Beginner to Expert. Episode 23 allows ourselves to take a look at some of the most frequently asked questions around Property Investment. Property Investing, like any investment, involves a lot of risk, and therefore must be thought about extremely carefully.  In this episode we discuss getting started in property investment, scenarios that could potentially happen in your investment journey amongst plenty of other questions that some of our listeners have put forward.  This is not to be taken as financial advice. If you are interested in Property Investment, speak to a property expert or a financial advisor before following through and ensure you carry out your own research. If you have any questions that you would like to put forward to The Property Journey Podcast, be sure to hit us up on Social Media with the title ASK101 and we will answer your questions! Check out all episodes on our YouTube channel, @RoyDouganPropertyExpert  or for audio only, visit all major podcast providers and search The Property Journey Podcast or view all links here: https://linktr.ee/thepropertyjourneypod If you like this, follow us on our social media pages: https://www.facebook.com/roydouganyourpropertyexpert https://www.instagram.com/roydouganpropertyexpert https://www.tiktok.com/thepropertyjourneypod Let us know if you have any questions in the comments below!

Welcome back to another episode of The Property Journey Podcast: Beginner to Expert. In Episode 22, we take a look at the difference between buying a new build property or an older build property, discussing things such as cost, pricing, price retention as well as how properties are build and energy efficiency. We also discuss how a property sourcer can help when it comes to purchasing investment property and how they can help guide you to buying the right property. This is not to be taken as financial advice. If you are interested in Property Investment, speak to a property expert or a financial advisor before following through and ensure you carry out your own research. If you have any questions that you would like to put forward to The Property Journey Podcast, be sure to hit us up on Social Media with the title ASK101 and we will answer your questions! Check out all episodes on our YouTube channel, @RoyDouganPropertyExpert  or for audio only, visit all major podcast providers and search The Property Journey Podcast or view all links here: https://linktr.ee/thepropertyjourneypod If you like this, follow us on our social media pages: https://www.facebook.com/roydouganyourpropertyexpert https://www.instagram.com/roydouganpropertyexpert https://www.tiktok.com/thepropertyjourneypod Let us know if you have any questions in the comments below!

Welcome back to another episode of The Property Journey Podcast: Beginner to Expert. In Episode 21, we look at the changes announced in the Chancellor's budget with businesses set to take the brunt of the tax increases. Employer's National Insurance is set to increase, with thresholds also reducing. In the podcast, we also look at the increases in Capital Gains Tax, the changes to Agricultural Relief, changes to Inheritance Tax and much more. This is not to be taken as financial advice. If you are interested in Property Investment, speak to a property expert or a financial advisor before following through and ensure you carry out your own research. If you have any questions that you would like to put forward to The Property Journey Podcast, be sure to hit us up on Social Media with the title ASK101 and we will answer your questions! Check out all episodes on our YouTube channel, @RoyDouganPropertyExpert  or for audio only, visit all major podcast providers and search The Property Journey Podcast or view all links here: https://linktr.ee/thepropertyjourneypod If you like this, follow us on our social media pages: https://www.facebook.com/roydouganyourpropertyexpert https://www.instagram.com/roydouganpropertyexpert https://www.tiktok.com/thepropertyjourneypod Let us know if you have any questions in the comments below!

Welcome back to another episode of The Property Journey Podcast: Beginner to Expert. In Episode 20, we take a quick look at the speculation surrounding the upcoming Budget. This will be the first Labour Budget in nearly 15 years, and there is much speculation surrounding some of the tax increases following a touted "£22 billion black hole" in public finances. Some of the potential tax increases will affect areas such as Capital Gains Tax (affecting those with property and investments) as well as Inheritance Tax plus much more. With The Budget 2024 only around the corner on October 30th, we will know for certain what is to come then, but for now, we take a look at some of the speculated changes and discuss how they could affect you. This is not to be taken as financial advice. If you are interested in Property Investment, speak to a property expert or a financial advisor before following through and ensure you carry out your own research. If you have any questions that you would like to put forward to The Property Journey Podcast, be sure to hit us up on Social Media with the title ASK101 and we will answer your questions! Check out all episodes on our YouTube channel, @RoyDouganPropertyExpert or for audio only, visit all major podcast providers and search The Property Journey Podcast or view all links here: https://linktr.ee/thepropertyjourneypod If you like this, follow us on our social media pages: https://www.facebook.com/roydouganyourpropertyexpert https://www.instagram.com/roydouganpropertyexpert https://www.tiktok.com/thepropertyjourneypod Let us know if you have any questions in the comments below!

Welcome back to another episode of The Property Journey Podcast: Beginner to Expert. Following our last episode, we touched on Houses in Multiple Occupations aka HMO's. In Episode 19 we talk about HMO's, how at the moment, many property guru's are pushing HMO's as an easy source of money, what to expect if you decide to invest in an HMO and much more. We discuss how HMO's are a completely different way of providing rental accommodation, how much it differs from a standard residential letting as well as the differences when it comes to paperwork, legal standards and more. This is not to be taken as financial advice. If you are interested in Property Investment, speak to a property expert or a financial advisor before following through and ensure you carry out your own research. If you have any questions that you would like to put forward to The Property Journey Podcast, be sure to hit us up on Social Media with the title ASK101 and we will answer your questions! Check out all episodes on our YouTube channel, @RoyDouganPropertyExpert  or for audio only, visit all major podcast providers and search The Property Journey Podcast or view all links here: https://linktr.ee/thepropertyjourneypod If you like this, follow us on our social media pages: https://www.facebook.com/roydouganyourpropertyexpert https://www.instagram.com/roydouganpropertyexpert https://www.tiktok.com/thepropertyjourneypod Let us know if you have any questions in the comments below!