In today’s episode, I’m thrilled to welcome back Mike Clay of Clay Properties. For those of you who follow my work, you’ll know that Mike is not only a great friend, but also one of my business partners. In fact, Mike has become a bit of a regular on the show!

Today, I’ve brought Mike back to talk about something very specific—raising private finance. This is a key strategy that has played a huge role in how Mike has rapidly and successfully built his HMO property business. It's also something that, alongside one of our other business partners, we’ve done on a regular basis, raising millions of pounds to fund property investments. So, when it comes to raising private finance, there’s no question—Mike knows his stuff. And today, we’re excited to share some of that expertise with you.

Topics covered in this episode:

• 02:09 The Importance of Raising Private Finance
• 06:51 Understanding HMOs and Their Financial Benefits
• 10:15 Types of Private Finance
• 19:26 Preparing for Investor Conversations
• 25:32 How to Build Trust
• 30:18 Diversifying Funding Sources for Property Investment
• 33:39 Mitigating Risks in Property Deals
• 40:43 Due Diligence in Investor Relationships
• 44:08 Preparing for the Future Trends in Private Finance

Listen to other episodes featuring Mike Clay:

• Episode 81: 0-13 HMOs In 3 Years With Mike Clay (THIS Is How To Do It)!
• Episode 163: 'HMO Investor Of The Year' Mike Clay Returns To Reveal His Strategy For Success & Much More!

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Got any questions? Join The HMO Community on Facebook!

Connect with me on Instagram or Linkedin for daily HMO tips and advice!

If you want to join my 1-2-1 mentoring program, you can enquire here.

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In this episode, I’m excited to catch you up on what’s been happening in my businesses over the past couple of months.

I’m a big believer in starting with the end in mind, and while setting goals and targets for your business is key, I think it’s just as important to have goals and dreams outside of business too—those are the real reasons we build businesses in the first place.

So, I’ll share some updates from my businesses, plus a peek into my personal life. I’ll talk about the challenges I’ve been facing with settling in new tenants for my HMOs, updates on my development projects, my thoughts on the autumn budget, and more!

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Got any questions? Join The HMO Community on Facebook!

Connect with me on Instagram or Linkedin for daily HMO tips and advice!

If you want to join my 1-2-1 mentoring program, you can enquire here.

Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

In this episode, I’m joined once again by our expert mortgage broker, Ellie Broadhurst, to discuss Rachel Reeves' recent "doom budget" and what it means for property investors. We’ll talk about the latest budget, its impact on the property market, and what lenders are saying about it.

We’ll also break down the Bank of England’s recent decisions, how rising interest rates are affecting property investment, and what to expect moving forward.

Plus, we’ll cover changes to stamp duty, new opportunities in commercial property, and offer some advice for property investors.

Topics covered in this episode:

• 03:43 – Lenders' views on the latest budget
• 09:33 – Best opportunities for professional landlords
• 11:54 – Reaction to stamp duty and interest rate changes
• 18:14 – Property market predictions for 2025
• 24:30 – Advice for property investors

Contact Ellie here, if you’re interested in discussing your HMO mortgage and finance needs.

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Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!

Got any questions? Join The HMO Community on Facebook!

Connect with me on Instagram or Linkedin for daily HMO tips and advice!

If you want to join my 1-2-1 mentoring program, you can enquire here.

Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

In this episode, I want to talk about HMO maintenance. As an HMO investor and landlord, maintaining your properties is a big part of the job. It's something you’ll need to stay on top of for the long term.

Good maintenance is key to keeping your business—and your HMOs—profitable. If you let it slide, it can quickly lower the value of your portfolio and undo all the hard work you’ve done finding great deals and refurbishing properties.

I’ll also be sharing some insights from our community about common maintenance problems, why it’s important to budget for maintenance, and the best ways to manage it.

And, I’ll give you six of my best tips to help you save time, reduce costs, and manage maintenance more easily.

Topics covered in this episode:

• 02:54 Why Maintenance is So Important
• 10:48 Common Maintenance Issues in HMOs
• 16:36 Best Practices for Managing HMO Maintenance
• 27:09 The Importance of Long-Term Planning

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Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!

Got any questions? Join The HMO Community on Facebook!

Connect with me on Instagram or Linkedin for daily HMO tips and advice!

If you want to join my 1-2-1 mentoring program, you can enquire here.

Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

Ready to build your business empire?

In this episode, I’m excited to welcome Kane Andrews, a successful entrepreneur, property investor, and founder of Rockstar Property. We discuss his unique journey from musician to property investor and how he scaled his business using investor finance.

Kane shares his expert insights on building a strong team, implementing effective systems, and navigating the challenges of property investment. Whether you’re a new investor or a seasoned pro, you won’t want to miss his invaluable advice!

Topics covered in this episode:

02:55 - Kane’s transition from music to a successful property entrepreneur

09:08 - How he scaled his business by using investor finance

11:59 - The importance of raising finance in building a business

14:52 - How he built a diverse business empire that goes beyond HMOs

20:59 - Get insights into Kane's unique HMO business approach

29:00 - Understand the role of a solid team and effective systems and processes

30:28 - Top tips for new property investors

32:24 - How to navigate challenges and adapt to market changes

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Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!

Got any questions? Join The HMO Community on Facebook!

Connect with me on Instagram or Linkedin for daily HMO tips and advice!

If you want to join my 1-2-1 mentoring program, you can enquire here.

Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

In this episode, we’ll discuss the significant changes to the Renter's Rights Bill, particularly focusing on the amendments made by the Labour party - the abolition of Section 21 evictions, the introduction of rent controls, and the implications for landlords, especially those operating in the student housing market.

Topics covered in this episode:

• 03:05 - Key Amendments to the Renter's Rights Bill
• 05:50 - Abolition of Section 21 Evictions
• 09:00 - Rent Controls and Health Standards
• 11:47 - Evictions for Personal Reasons and Rent Repayment Orders
• 15:01 - Impact on Student HMO Landlords
• 17:50 - Challenges and Opportunities for Landlords

Episode mentioned #257 Important Update For HMO Investors About The Renters Reform Bill

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Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!

Got any questions? Join The HMO Community on Facebook!

Connect with me on Instagram or Linkedin for daily HMO tips and advice!

If you want to join my 1-2-1 mentoring program, you can enquire here.

Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

How do you scale a HMO business from 0 to 1,500 rooms?

In this episode, I’m joined by Jordi Pasqualin, a former professional rugby player and now co-founder of BAM Capital. We talk about the unique business model of lease operators and discuss the challenges and misconceptions in the HMO industry.

Jordi also shares his insights and experience on scaling the business through acquisitions, logical planning approaches, and the sacrifices made along the way to achieve success in the property market.

Topics covered in this episode:

02:48 - Jordi's transition from rugby player to property investor

06:57 - Understanding how the lease operator model works

09:49 - Overcoming challenges and stigmas in the HMO industry

12:38 - The importance of mindset shifts in growing your business

20:39 - Realities of building a successful property business

24:28 - Managing evolving tenant needs and expectations

35:21 - Future challenges and opportunities in property management

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Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!

Got any questions? Join The HMO Community on Facebook!

Connect with me on Instagram or Linkedin for daily HMO tips and advice!

If you want to join my 1-2-1 mentoring program, you can enquire here.

Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

We're revisiting a classic from the vault—an episode that covers everything you need to know about stress testing your deals.

I wanted to highlight this topic again because I've noticed a surge in questions from our community lately. This uptick is likely a result of rising prices, changing legislation, and a bit of market panic.

Deals aren’t as profitable as they once were, and understandably, HMO property investors like you, want to plan effectively and ensure your deals are as strong as possible.

In this episode, we outline ten key points to stress test, including purchase price, interest rates, refurbishment costs, occupancy rates, and more.

So whether you need a refresher or you’re new to investing in HMOs and unsure how to start stacking deals, today’s episode is definitely for you.

Note: This episode was originally published on October 28, 2020.

Please leave us a quick review on Apple Podcasts or Spotify if you enjoyed this episode.

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Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice!

If you want to join my 1-2-1 mentoring program, you can enquire here.

New to HMOs? Join The HMO Roadmap on a Premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business.