Happy New Year! It’s officially 2025, and in today’s episode, we’re going to look at some predictions and key trends for the year ahead.

We’ll talk about property values, the overall economy, and the rental market. I’ll also highlight some risks and opportunities that could impact us as HMO investors.

There’s a lot to cover, but I think this is an important episode and a great way to kick off the year. I’m really excited to see what our community will achieve in the property market—and especially in the HMO space—this year.

Topics covered in this episode:

• 01:06 – Reflecting on 2024 and Setting Goals for 2025
• 04:44 – Economic Outlook for 2025
• 05:12 – Predictions for Property Values & the Rental Market
• 17:00 – Key Opportunities for HMO Investors
• 20:18 – Risks Facing HMO Investors

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

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.

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Wishing you and your family a very Merry Christmas!

In this episode, I’m revisiting what I consider one of the most valuable I’ve ever recorded. I’ll be sharing my proven five-step system for building and scaling a sustainable HMO property business.

The truth is, it’s not hard to find a good HMO and make some profit. But to do this consistently, and scale it into a business that gives you time, freedom, and flexibility—that takes a process. I’ve been refining this system for nearly 15 years, and it’s still the approach I follow and teach to my mentees today.

If you’re new to the show, this is a great episode to start with. And if you’re an experienced investor, it’s a perfect chance to refresh your approach.

Topics covered in this episode:

• 03:00 – My Five-Step System for HMO Success
• 05:51 – Finding the Right HMO Properties
• 11:56 – Funding Your HMO Business
• 18:05 – Fixing and Refurbishing Properties
• 25:00 – Filling Your HMO with Tenants
• 30:09 – Getting into the Flow of Managing Your HMO Business

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

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.

Have we hit the goals we set ourselves back in January? Have we smashed those targets, or have we fallen short?

It’s become a bit of a tradition on this podcast for me to break down my goals and share exactly how I’ve done against the targets I set. I really enjoy these episodes because, not only is it part of the accountability process, but it’s also a great way to keep things completely honest and transparent with you.

Social media—Instagram, Facebook, and the like—often turns into a highlights reel. And, if you’re not careful, the same can happen with a podcast. But that was never the intention for this podcast. It’s all about keeping it real—the actual ins and outs of running a property business and building an HMO portfolio.

So in this episode, I’m going to share everything with you. I’ll tell you exactly how I’ve performed against the targets I set earlier this year. If you’re curious and want a peek behind the scenes, then make sure you stick around.

Topics covered in this episode:

• 03:00 – Why Goal Setting and Regular Reviews Matter
• 05:51 – Looking Back at 2023
• 14:49 – Finding Balance Between Work and Life
• 21:00 – Business Growth and Financial Results
• 26:46 – Challenges I Faced and What I Learned
• 30:05 – Setting Goals for the Future and Key Takeaways

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

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.

In this episode, I'm on the other side of the mic. I recently joined Jerry Alexander on The Commercial Property Investors Podcast, and we had a great conversation. I shared my journey, starting with HMOs, building property businesses, and progressing to buying commercial properties and undertaking bigger and better projects. We also discussed the ups and downs of buying, selling, and investing in property.

Topics covered in this episode:

• 02:23 How Andy’s Passion for Property Started
• 08:36 Experience in Building a Property Portfolio
• 12:20 Transitioning to Commercial Developments
• 25:45 Navigating the Development & Planning Process
• 31:55 The Importance of Effective Project Management
• 39:46 Building a Strong Reputation in Real Estate
• 43:36 Balancing Multiple Ventures Successfully

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

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.

In this episode, I’m going to talk about guarantors and why I think they can be a great solution to many of the challenges you might face when managing HMO properties.

I know not everyone agrees with me but in this episode, I’ll be sharing some thoughts from our community, as well as my own opinion. I’ll also give you the information you need to make the best decision for your business. If you’re managing tenants or HMOs, this is definitely an episode you’ll want to stick around for.

Topics covered in this episode:

• 03:31 – Understanding Guarantors
• 08:10 – Why Guarantors Are Often Required
• 19:10 – The Benefits of Having a Guarantor

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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 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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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’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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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’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.