The Property Podcast

Mortgages keep getting dearer while the base rate stands still, house prices have stalled, and politicians are making promises again...

Rob & Rob explain why markets expect interest rates to go up over the next few years, even though the Bank of England might not want them to, and how that’s feeding through to the deals lenders offer.

They also get into the new admin heading landlords' way, two very different pitches from opposition parties, and why the building slowdown matters for buyers and renters alike.

(00:55) Six months without a base rate change, so why are mortgage rates around 1% higher?

(04:32) Remortgage searches up 40% in a month, yet more borrowers are considering a tracker. Which way should you go?

(07:08) The house price index that's just recorded its first annual fall since 2023

(09:11) Since the Renters' Rights Act, how are landlords choosing their tenants?

(10:21) The landlord database: which region signs up first, and what it costs per property

(12:02) The £4.2bn case for scrapping the stamp duty surcharge, and the party promising to go further

(16:58) The Greens want a 2% cap on rent rises. How worried should landlords be?

(18:49) Angela Rayner's "slim chance" on 1.5 million homes, and why housebuilders are holding back

(22:47) The positive case for long-term investors right now

Links mentioned:

Bank of England Monetary Policy Summary, September 2026

Berkeley: scrapping the stamp duty surcharge could raise £4.2bn

House prices:

Nationwide's House Price Index

Zoopla's House Price Index

Lloyds' House Price Index

Mortgages and lending:

Lenders reprice as gilt yields hit multi-decade highs

Bank of England Money and Credit, August 2026

Remortgage searches rise in September

A fifth of remortgagors consider a variable rate

Landlord behaviour:

Landlords more selective about tenants since the Renters' Rights Act

Rent guarantor applications up 50%

Planning and supply:

Government all but admits defeat on 1.5 million homes

S&P Global UK Construction PMI, September 2026

Regulation:

PRS Database: landlord registration timetable

Shadow housing secretary backs scrapping stamp duty

Green Party: three-year emergency brake on rents

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Should landlords sign up to a no-deposit scheme? And what's the fairest way to put the rent up when it's fallen well behind?

Your questions answered on this week's episode of Ask Rob & Rob.

(00:36) Tim's letting agent has sent him a leaflet promoting Reposit, a deposit alternative scheme. Should he consider using one? Rob D looks at who these schemes serve, and the question he'd ask before letting a tenant skip the deposit.

(03:11) Miss Moneypenny's tenants have been in for four years with no increase, and the property is taking heavy wear and tear. How should she approach a rise with the Renters' Rights Act in play? Rob B shares the method he uses after a long tenancy, and how to make the new figure stand up if it's challenged.

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One of the most respected investors on the planet has just stepped down at 96. Another says he's $1.2 billion in debt, and proud of it...

Rob & Rob mark buy-to-let's 30th birthday with three decades of Hamptons data, pick out the Buffett lessons that carry straight over to property, and ask whether Robert Kiyosaki's approach to leverage is one worth copying.

(01:01) What £1 put into buy-to-let in 1996 is worth today

(01:31) The one thing Hamptons left out when comparing buy-to-let with the S&P 500

(08:19) How 12.5 cents led to what Warren Buffett called his worst investment decision

(12:16) Why Buffett moved from bargains to quality, and what that means for your next property

(16:05) Why Rich Dad Poor Dad still matters, whatever you think of its author

(19:13) Buffett or Kiyosaki? Which one Rob & Rob relate to more as investors

(20:55) Hub Extra

Links mentioned:

30 years of buy-to-let - Hamptons

'Rich Dad Poor Dad' author Robert Kiyosaki is $1.2 billion in debt Rich Dad Poor Dad by Robert Kiyosaki

The Snowball: Warren Buffett and the Business of Life by Alice Schroeder

Watch Becoming Warren Buffett documentary

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How do you use AI to get ahead in property? And when you buy a new home, is it worth letting out the old one?

It's Tuesday, which means Ask Rob & Rob is back answering your questions.

(00:51) Harley has a rent-to-rent unit under his belt and a job with an HMO developer in Leeds. With AI only getting bigger, how can he make the most of it throughout his career? Rob B explains the extra step most people skip, and why taking it puts you in the top 5% of AI users.

(05:03) AJ is buying a new London home with his partner. Should he keep his current place as a buy-to-let and pay the higher stamp duty, or sell up and buy two more in his limited company? Rob D sets out a simple test for the decision, and why already owning it could be clouding his judgement.

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Everyone has an opinion on whether being a landlord still pays off. Very few have the data to back it up...

Richard Donnell, Zoopla's Executive Director - Research, is back on the show. Rob & Rob put the big question to him straight away, and his answer comes with a condition every landlord should hear. From there, he tests the headlines investors have been worrying about against the evidence.

(02:12) Are landlords really heading for the exit, and who's buying the homes they sell?

(04:00) Why so many investors now expect to buy a property that needs work

(06:44) What the Renters' Rights Act has changed so far, and what it hasn't

(08:33) Three quarters of landlords are over 60. So, who owns Britain's rental homes next?

(11:43) Why housing will always feature in the wealth tax debate, and the signal that landlords still matter to the government

(15:42) Is the average £10,000 EPC upgrade worth it, or is it time to sell?

(18:21) The long-run link that still sets property apart from anything else Richard could invest in

Links mentioned:

Zoopla's rental estimate tool

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