Unlock Expat Property - The Podcast

Unlock property investing risks

Wed, 08 Oct 2025 06:00:00 +0300

In this episode of Unlock Expat Property – The Podcast, host Jonathan Smith dives deep into one of the most important topics in UK property investing: risk. Whether you’re a first-time buyer or a seasoned expat investor, understanding risk is what separates speculation from strategy.

Jonathan breaks down every major category of risk — from market volatility and financing pitfalls to compliance, construction, and tenant management. You’ll discover how to stress-test your deals, avoid overleveraging, and build contingency buffers that protect your cash flow.

He also explores the evolving legal landscape, including the upcoming Renters’ Rights Bill, which will reshape the private rental sector by changing eviction rules, tenancy structures, and landlord responsibilities. Jonathan outlines what these changes mean for investors and how to prepare effectively.

From currency fluctuations to emotional discipline, this episode reveals practical tools and real-world insights to help you identify, manage, and even turn risk into opportunity. Because when you understand risk, you unlock the true power of long-term, sustainable wealth.

Key Takeaways:

How to identify and mitigate market, financial, and operational risks
The impact of regulatory changes such as the Renters’ Rights Bill
Why cash flow and contingency funds are your best defence
How to protect yourself from fraud, non-compliance, and overconfidence
The mindset needed to turn uncertainty into strategy

Disclaimer:

This podcast is for educational purposes only and does not constitute financial, tax, or legal advice. Always seek professional guidance before making investment decisions.

Tune in now and unlock your expat property potential — your key to building passive income and long-term wealth.

Download this week's episode now

Jonathan offers free one-to-one buy to let investment discovery calls to help you unlock your expat property potential - your key to building passive income and long-term wealth.

Whether you are looking for advice on how to kickstart your property portfolio, want to delve into the world of new build property investing or are just looking for free tailored information for your circumstances then setting up your free discovery call is a great first step.

Alternatively, if you are looking to generate guaranteed, competitive returns on your cash instead of it losing value sitting in the bank or risking it on the stock market then book your call in and we can find a win-win way to work together.

To schedule your session now simply head to Unlock Expat Property and select a time suitable for you.

You can also follow Jonathan on Instagram at https://www.instagram.com/jonathan_cj_residences/

You can connect with him on LinkedIn (1) Jonathan Smith | LinkedIn

Contact him by email at jonathan@unlockexpatproperty.com

Unlock the modern method of auction

Wed, 01 Oct 2025 06:00:00 +0300

In this week's episode Jonathan dives into the world of purchasing property through the modern method of auction.

By the end of the episode, you’ll understand exactly what the modern method of auction is, how it works, why sellers love it, why buyers need to tread carefully, and how you can actually use it to unlock property investment opportunities in the U.K. that others might overlook.

He'll also share his own experience of purchasing a property through the modern method of auction – what he has experienced so far, from placing bids on the site to applying for bridging finance and how he has managed working to the tight timeline of completing the purchase within the 56 day deadline.

Download and listen now

Unlock your first property investment

Mon, 22 Sep 2025 06:00:00 +0300

In this week's episode Jonathan takes you on a full journey of what it means to buy your first investment property, how to prepare, how to overcome the mental barriers, what practical steps you need to take, and most importantly, how to make sure that this isn’t just your first property—but the foundation of a portfolio that builds passive income, generational wealth, and freedom.

From developing the right mindset, to educating yourself and building your power team, this episode provides a practical step-by-step guide to securing that first property investment

Unlock investing in Dubai property with Matt Hurley of Poseidon Real Estate

Sun, 14 Sep 2025 11:00:00 +0300

In this week's episode, Jonathan is joined by Matt Hurley of Poseidon Real Estate to discuss how to invest in property in Dubai. Dubai has seen huge growth over the last few years but have investors missed the opportunity to take advantage of this?

Matt shares insights on how investors can leverage distressed assets to secure below market value deals, how he and his team utilize freely available data to secure the best investments for their clients and provides an honest and transparent analysis of the Dubai property market.

Stick around to the end of the podcast to grab your opportunity to meet Matt and his team in Bahrain on October 17th to discuss your investing goals and explore the current deals available - all of which is free of charge.

https://docs.google.com/forms/d/e/1FAIpQLSf7iBUAaoRvOq_rJt-6kWHEooBKRqTcZK89Kdmm3K4ETavqAw/viewform?usp=header

You can reach Matthew Botsford of Poseidon Real Estate on mb@poseidonrealestate.ae or by phone on 00971585516595

Unlock your legacy through property

Mon, 08 Sep 2025 06:00:00 +0300

In this week's episode, Jonathan tackles and important topic - legacy building.

Because when the paychecks stop and the years speed up, it won’t be the job title or the passport stamps that matter most.

It’ll be the legacy you’ve built.

And property? That’s one of the most powerful tools to make it happen.

So whether you’re an expat living in the Middle East, Southeast Asia, Europe, or beyond — if you’re earning well and thinking long-term, this episode is for you.

Don't be among the thousands of expats who return home with nothing to show for it - instead take action and start building your legacy today.

Unlock investment portfolio management with John De Goey

Mon, 01 Sep 2025 06:00:00 +0300

In this week's episode, Jonathan is joined by John De Goey, an investment and wealth portfolio manager and author based out of Canada.

John shares his insights on the best way to invest in order to secure long-term wealth. From diversifying your portfolio to ensuring you are focused and disciplined in your investment journey, John breaks down what it takes to be a successful investor.

Jonathan and John also discuss where property fits into an overall, diversified investment portfolio as well as providing alternative ways to invest in property without having to purchase a house or apartment by leveraging real estate investment trusts.

You can reach John De Goey here:

Website www.johndegoey.ca

Make better wealth decisions podcast: https://make-better-wealth-decisions.captivate.fm/listen

YouTube: www.youtube.com/@makebetterwealthdecisions

Unlock co-living in Dubai with Danielle Hall

Mon, 25 Aug 2025 06:00:00 +0300

In this week's episode Jonathan is joined by Danielle Hall, Founder of Co-Living Legends in Dubai.

Danielle shares a truly inspirational story of her property investing journey from building a UK property portfolio in her early 20s, to moving to Dubai for a teaching job and seeing a gap in the property market there to set up Co-Living Legends - a unique company which provides women across Dubai with access to luxury shared apartments with legendary rooms for rent.

Danielle's journey has seen her shift her property investing strategy from your standard buy-to-let model to a truly game-changing co-living model which is providing women from all over the world with great accommodation and creating life-long friendships along the way.

Make sure you download and listen now.

You can reach Danielle on Instagram at Colivinglegendsdubai and at colivinglegends.com

Unlock our first HMO: from auction win to HMO conversion

Mon, 18 Aug 2025 06:00:00 +0300

In this week's episode Jonathan provides an update on his first HMO conversion project. After partnering with a full turnkey solution provider in the UK and spending the last 3 months sourcing a suitable property he has now secured his first deal through the modern method of auction.

Jonathan provides an open and honest review of the sourcing and purchasing process, including a bumpy road experience using the modern method of auction.

He discusses how the auction played out, shares the challenges encountered and how he overcame those with the support of his partner to secure the deal.

He also shares what's in store next for the project, how he is funding the deal and the lessons learned so far from this experience.

If you're an investor interested in HMOs then this is an episode you don't want to miss.

Unlock the real cost of buying UK property

Mon, 11 Aug 2025 06:00:00 +0300

In this week's episode Jonathan dives into a topic that catches out far too many investors, both new and experienced - the real cost of buying UK property.

Buying a property is never just about the asking price. There are many other costs involved in purchasing a property which, if unchecked and unaccounted for, can easily erode the return on your investment and the amount of cashflow you generate each month.

Most investors are already aware that to buy a property you will, at least need a sufficient deposit saved up. But there are many other costs involved in purchasing a property which can quickly rack up and put investors into difficult positions.

From mortgage application fees, stamp duty land tax to lettings management fees and foreign exchange implications, Jonathan shares a comprehensive breakdown of all of the costs you can expect to incur in a property transaction and why it's important to analyse these in full before committing to a sale.

Don't get caught out by unexpected costs - download this week's episode now to unlock the real cost of buying UK property.

Free online stamp duty calculator: Overseas Buyer Stamp Duty Calculator 2025/26 - UK SDLT | Knight Frank UK

Unlock how to handle down valuations

Mon, 04 Aug 2025 06:00:00 +0300

In this week's episode Jonathan walks you through everything you need to know about down valuations.

He'll explore what they actually are and how they work and explain the most common reasons they happen, especially in today’s lending climate.

He discusses the different ways a down valuation can impact your deals, whether you’re buying with a mortgage or refinancing a property you’ve just refurbished and gives you a clear, actionable step-by-step guide on what to do if you’re hit with a down valuation.

Jonathan also shares a real-world example when he encountered his own down valuation so you can see how he handled the exact same challenge and turned it around.

This is an episode you don't want to miss so download and listen today.

Unlock escaping The Expat Trap

Mon, 28 Jul 2025 06:00:00 +0300

In this week's episode, Jonathan discussed the expat trap. Nearly three quarters of expats who return home from their time abroad have little or nothing to show for their time away.

Jonathan explains what the expat trap is, how it happens and how you can flip the narrative to turn it from a trap into an advantage.

Many expats get sucked into the life of luxury, the fancy holidays, the nice cars, the watches and the handbags but all of these things are liabilities and not assets.

By understanding what the expat trap is and how to avoid through investing in tangible assets you can ensure that you're not another statistic of a lost opportunity to build generational wealth and passive income.

And the first step to avoiding the expat trap? Downloading and listening to this week's episode!

Unlock why inflation is a property investor's best friend

Mon, 21 Jul 2025 06:00:00 +0300

Think inflation is the enemy? Think again.

In this week's episode of Unlock Expat Property – The Podcast, we flip the narrative on inflation and reveal how smart UK property investors are using it to build wealth effortlessly. From capital growth to rent increases and even debt erosion, inflation can be your secret weapon — if you know how to use it.

Whether you’re an expat just getting started or a seasoned investor looking to scale, this episode walks you through real-world examples, clear strategies, and investor-tested insights on why inflation can be your best friend — not your financial foe.

What You’ll Learn:

Why inflation increases property values — even if you never lift a paintbrush
How leveraged property investing turns modest inflation into massive gains
The hidden benefit of fixed-rate mortgages in an inflationary economy
How inflation naturally boosts your rental income and widens your cash flow
Real-life case studies showing investors who gained tens of thousands without refurbishing
Actionable tips to make inflation work for you starting now

Who This Episode Is For:

Expats looking to invest in the UK property market
Investors worried about rising inflation and interest rates
Anyone curious how property can outperform cash savings long-term
Landlords aiming to scale passively using capital growth

Download this week's episode now

Unlock property investing top tips

Mon, 14 Jul 2025 06:00:00 +0300

In this week's episode, Jonathan shares his top ten property investing tips for new and seasoned property investors.

Jonathan handpicked these tips based on his own journey and experiences working with investors all over the world — especially those navigating the UK property market remotely. They’re practical, honest, and based on what works.

From setting your strategy early on to building your power team and using leverage smartly to scale your portfolio, this episode is packed with actionable insights and advice to help you maximise the potential of your own property investing efforts.

Download and listen to the episode today.

Unlock investing in property in Cyprus with Johannes Schenk of Emme Homes and Coastalbliss

Mon, 07 Jul 2025 06:00:00 +0300

In this week's episode, Jonathan is joined by Johannes Schenk of Emme Homes and Coastalbliss to discuss how to invest in property in Cyprus.

We usually focus on investing in property in the UK on the podcast, however, after a chance encounter with Johannes as a result of booking one of his villas for a recent holiday to Paphos, Cyprus we discovered a great opportunity to share valuable insights on the benefits of investing in serviced accommodation property in Cyprus.

Johannes provides both a property sourcing and development service for off-plan, new build villas in Cyprus as well as being the co-found of Coastalbliss, a fully managed service for investors to utilize after purchasing their investment property.

Johannes shares fantastic insights and information on why Cyprus is a great option for property investors to generate passive income as well as how Coastalbliss take away all of the management headaches you would expect from owning an AirBnB, serviced accommodation style property.

Johannes also provides information whether overseas investors are able to obtain mortgages and how to secure permanent residency in Cyprus through property investing.

So if you're looking to diversify your portfolio while still maintaining a passive approach then this is an episode you don't want to miss.

You can reach out to Johannes through the following channels:

Emme Homes Contact us | EMME HOMES

Coastalblliss Coastalbliss

To use the discount code for your next holiday in Cyprus use cjresidences10 when booking through the Coastalbliss website directly

Unlock property profits without buying any actual property

Mon, 30 Jun 2025 06:00:00 +0300

In this week's episode, Jonathan discusses how you can make money from property – without investing in property.

No, it's not a typo, you read that correctly. You don’t need to buy a house, you don’t need to manage a renovation, and you definitely don’t need to deal with tenants or leaky toilets.

There's one simple way to make competitive, market-beating and truly passive returns on your cash - become a private investor.

Jonathan unpacks the concept of private investing, what it is, how it works and who this strategy suits best.

He'll provide a real example of his current project to illustrate the concept and bring it to life as well as providing a step-by-step guide as to how you can become a private investor and start earning returns of up to 12% on your cash without having to lift a finger.

Of course, no investment is without risk so Jonathan also shares the key risks for private investors and how you can mitigate against them.

This week's episode wraps up by explaining how you can get started as a private investor today.

Unlock how my mindset change helped me grow a UK property portfolio from Saudi Arabia

Mon, 23 Jun 2025 06:00:00 +0300

In this week's episode Jonathan is on the other side of the microphone when he appeared on Steve Cowgill's Expat Property Podcast.

Jonathan shares how a mindset shift helped him to kickstart his own UK property portfolio while working full-time in Saudi Arabia.

He explains how he first became an expat, how it took him nearly 10 years to finally take the plunge and invest in UK property and shares the twists and turns which that entailed.

He also discusses the challenges he faced, including a deal that almost collapsed after the Liz Truss mini-budget, and how he's now helping other expats achieve their investing goals.

Download this week's episode now.

To register for July Expat Property Network event on July 17th at 5pm KSA time/6pm Dubai time/3pm UK time click here:

https://us06web.zoom.us/meeting/register/6S69Ofp9QvKw0TPJoo9BdQ

Stop chasing rates! Unlock mortgage strategies with Rob Peters of Simple Fast Mortgage

Mon, 16 Jun 2025 06:00:00 +0300

In this week's episode, Jonathan is joined by Rob Peters of Simple Fast Mortgage. Rob is an expert specialist mortgage advisor with a background in financial advice and wealth management.

As a result, Rob and Simple Fast Mortgage offer investors a strategic outlook on the best fit mortgage products available to both UK residents and international investors.

Rob shares some fantastic insights into the world of mortgages, highlighting why it's essential to have a mortgage advisor able to provide strategic guidance to maximise your portfolio's performance rather than just 'chasing the rates'.

Jonathan and Rob discuss the various strategies you can deploy as an investor as well as explaining the importance of having the end goal in sight well before even considering purchasing an investment property.

This is an episode you don't want to miss so make sure you download and listen today.

Visit the Simple Fast Mortgage website at www.simplefastmortgage.com

Connect with Rob on LinkedIn at (2) Rob Peters DipPFS MAQ ER | LinkedIn

Follow Rob on Instagram at Instagram

To obtain Rob’s comparison tool email Jonathan.smith@cjresidences.com with ‘Comparison Sheet’ in the subject and it will be sent to you.

Unlock UK property tax with Arjun Kumar from Taxd

Mon, 09 Jun 2025 06:00:00 +0300

In this week's episode of Unlock Expat Property - The Podcast, Jonathan is joined by Arjun Kumar of Taxd. Arjun and his company provide a seamless, user-friendly experience for filing your self-assessment and limited company tax returns without incurring the high fees usually associated with accountants.

Taxd is a simple, easy to use platform which has supported first-time and seasoned investors alike in making the tedious task of filing your taxes as easy as possible.

Jonathan discusses key topics including how and when you need to file your taxes, top tips to ensure that you include all expenses and how you can minimise your own property tax liabilities.

Whether you are a seasoned investor or in your first year as a property investor this episode is packed with helpful guidance on navigating UK property tax from the experts.

Make sure you take advantage of this free information now by downloading this week's episode.

To reach Arjun and his team simply visit www.taxd.co.uk or email Arj at arj@taxd.co.uk

Unlock your best buy: should you invest in houses or apartments?

Mon, 26 May 2025 06:00:00 +0300

In this week's episode Jonathan explores the biggest decision every property investor must make - should you invest in houses or apartments?

Whether you're just getting started or expanding your portfolio from abroad, the choice between houses and flats can dramatically shape your cash flow, growth potential and long-term success.

Jonathan will break down the key differences between house and apartments, capital growth versus rental yield and how to align your next buy-to-let with your investing goals.

If you've ever wondered which property type gives you more control, more freedom, or more opportunity then this episode will provide you with the clarity and confidence to take your next step.

Tune in now to unlock your best buy.

Unlock your expat property potential by taking action

Mon, 19 May 2025 06:00:00 +0300

In this week's episode, Jonathan will dive into how taking action can unlock your expat property potential.

Are you exploring the world of property but haven't taken that first step? Perhaps you want to ensure you have full knowledge and information before taking the leap? Or maybe you are fearful of making costly mistakes.

In this episode, Jonathan shares tips and insights into how you can take action to start your property journey today. It doesn't mean you need to part with hundreds of thousands of pounds but instead, by following some simple steps you can take the action needed to unlock the vast benefits of property investing.

From gaining more understanding and knowledge of various property investing strategies to booking calls with mortgage brokers and specialist property investment companies, taking action is easier than you may think.

Jonathan will also discuss how mindset can impact you taking that first step and what you can do to adapt from a closed mindset to an open one.

And for those who are wanting to take that first step why not join Jonathan and Steve Cowgill at the next Expat Property Network virtual meet-up on Tuesday 20th May at 5pm Saudi time/6pm Dubai time/3pm UK time.

To register for this exclusive, free event simply click the link below:

https://us06web.zoom.us/meeting/register/6XSFVUe7SeuqFnm3-TN3Kg

Unlock the top 10 benefits of UK property investing

Mon, 12 May 2025 06:00:00 +0300

In this episode of Unlock Expat Property - The Podcast, we explore the top 10 benefits that make UK property one of the most powerful wealth-building tools - especially for expats looking to generate passive income and long-term security.

From strong capital growth and consistent rental income, to leveraging mortgages, tax efficiency and building generational wealth, Jonathan breaks down exactly why UK property continues to outperform and remain resilient - even in uncertain times.

Whether you're just starting out or looking to scale your portfolio, this episode will give you the clarity, motivation, and practical insight to take action with confidence.

Download this week's episode now to unlock your own property investing journey.

Unlock the benefits of new build property investing with Sam Crabtree

Mon, 05 May 2025 06:00:00 +0300

In this week's episode Jonathan is joined by Sam Crabtree of API Global.

Sam is an expat himself, having lived in Dubai for the last 3 years and previously in Sydney, Australia. During this week's show, Sam talks about the vast benefits of investing in new build and off plan property in the UK.

He shares valuable insights on why expats should be investing in new build property, how to get started and the full support which he, and API Global, provide to their expat clients.

Sam also debunks the myth that investing in new build property is risky by sharing proven strategies to ensure you maximise your investment potential and explains how API Global secures the best property investing opportunities for you.

He also addresses some of the key challenges that expat investors face and how you can overcome these by leveraging his support.

All of the services provided by Sam and API Global are totally free for their clients and they are able to provide support services, such as solicitors, mortgage providers and lettings agents as part of their 360, turnkey solution.

Download this week's episode now.

To contact Sam you can email him at sc@apiglobal.co.uk

Visit API Global's website at www.apiglobal.co.uk

Unlock expat mortgage success: everything you need to know when applying for a mortgage

Mon, 28 Apr 2025 06:00:00 +0300

Getting a mortgage as an expat doesn't have to be complicated - if you know the steps.

In this week's episode, Jonathan breaks down the full expat mortgage journey: from utilizing the expertise of brokers, securing your decision in principle, handling valuations, and preparing your documents.

Jonathan also shares his own real-life experiences in the mortgage process and provides some useful tips and insights to avoid common pitfalls encountered by many investors.

Make sure you download this episode today to master the mortgage application process.

Unlock the 10 myths of new build investing

Mon, 21 Apr 2025 06:00:00 +0300

Are new builds really over-priced? Do you need to put in large deposits? Are they more risky than investing in existing property stock?

In this week's episode, Jonathan pulls back the curtain on 10 of the most common myths surrounding new build property investing.

As an expat investor, it's easy to get caught up in the online noise, marketing hype, and outdated assumptions. But today, we cut through the confusion and give you the facts - so you can make smart, confident decisions about whether new builds should be part of your property portfolio.

We'll explore how new builds compare to older stock on rental returns, maintenance and mortgage options; the reality behind developer incentives, snagging issues and long-term value and whether new builds actually work for expats investing from overseas.

Whether you're sceptical about new builds or already considering one, this episode is packed with insights, examples and clear reasoning as to why new builds should form part of your property portfolio.

Jonathan will also share his own experiences of investing in new build properties, having already added four to his own portfolio.

Download this week's episode now.

Unlock Trump's Tariffs: What they mean for UK property investors

Wed, 09 Apr 2025 09:00:00 +0300

In this week's episode Jonathan shares his insights on the sudden and serious turbulence in the global stock markets.

Why have markets tumbled? US President Donald Trump.

With Trump announcing the implementation of his sweeping trade tariffs the global stock market didn't react well - in fact, significant crashes were experienced across all market indices.

Jonathan explores what the new Trump tariffs are and why they’re causing panic, how the major global stock markets have reacted over the past five trading days, what this means for long-term investors, particularly those thinking about pensions and retirement and how UK property continues to show up as a stable, income-generating, long-term investment—especially in moments like these.

The actions of the Trump administration have had a sweeping impact felt across the globe, but how will it affect you and your investments? Tune in to find out.

Unlock investing in HMOs from overseas - the launch of our first project

Mon, 31 Mar 2025 06:00:00 +0300

In this week’s episode, Jonathan pulls back the curtain on the launch of his very first HMO investment—an exciting milestone in his property journey.

He takes you through the entire process from the very beginning, starting with how he identified the right investment strategy while living thousands of miles away, all the way through to financing the deal, managing the refurbishment remotely, and planning for long-term scalability.

You’ll hear how he carried out his due diligence from abroad, built the right power team on the ground, and navigated the unique challenges of investing in a more hands-on property strategy like HMOs.

Jonathan explains why he chose this route, how it fits into his overall goal of achieving financial freedom within the next few years, and what steps he’s taking to make sure this first deal sets a solid foundation for future success.

He also dives into the structure of the finance and how he’s aiming to recycle his initial capital investment—so he can move on to the next deal faster and continue building momentum.

If you've ever wondered what it really takes to get started with HMOs, especially from overseas, this episode offers valuable insights, practical tips, and honest reflections from someone doing it in real time.

Don’t miss this deep dive into the realities of launching a high-cash-flow strategy from afar.

Make sure you subscribe to stay updated on Jonathan’s progress, including the wins, the setbacks, and the lessons learned along the way.

This is the beginning of a much bigger journey—and you're invited to come along for the ride.

Unlock property investing jargon mini-series part 3

Mon, 24 Mar 2025 06:00:00 +0300

In the final episode of our jargon-busting mini-series, I'll be rounding off my jargon busting mini-series.

If you’ve ever found yourself confused by terms like AST, EPC, or Section 21, you’re not alone.

Property management in the U.K. comes with a whole language of its own, and if you don’t speak it fluently yet, don’t worry – I’m going to break it all down for you.

Don't get caught out by burying your head in the sand as it's essential that you understand these key terms - especially when not adhering to them could incur financial penalties.

Whether you’re already a landlord or just starting out on your property journey then this is an episode you don’t want to miss.

Unlock Property Investing Jargon Mini-Series Part 2

Mon, 17 Mar 2025 06:00:00 +0300

In the second part of this mini-series, Jonathan unlocks key jargon and terminology associated with the financial aspects of purchasing UK property.

If you find yourself at a loss when hearing terms such as rental yield, equity and leverage then fear not as this episode will be busting that jargon and providing you with easy to understand explanations and how they impact your property investing journey.

Understanding the potential returns and actual returns of your property portfolio is critical but it's easy to get lost with all the technical terminology.

By the end of this podcast you should have a clear understanding of the most important financial terms used in property investing and how you can apply them to your own property investments or future investments.

Download this week's episode now to enrich your property investing knowledge.

Unlock Property Investing Jargon Mini-Series Part 1

Mon, 10 Mar 2025 06:00:00 +0300

In this mini-series, I will unlock some of the key jargon terminology you will encounter when exploring investing in UK property.

Unfortunately, the world of property investing is packed with, frankly, unnecessary jargon or technical terminology which can be intimidating for new investors and even seasoned investors.

Terms such as Equity, LTV, Stamp Duty, Freehold and Leasehold can lead to potential new investors deciding not to kickstart their property journey from fear of not understanding how it all works and what such terminology means.

I was one of those people - fear of not knowing anything about mortgages, for example, and the complex terminology involved deterred me from going any further in my property journey many years ago.

Thankfully, by educating myself through listening to podcasts, reading property investing books and participating in free webinars enabled me to overcome that fear and gain a solid understanding of the various and extensive technical terminology out there.

So I have created this mini-series to tackle and breakdown some of the key technical terms and jargon you can expect to encounter and ensure you understand what they mean and how they relate to you and your property investing journey.

The good news - the technical terms and jargon are not as scary or as complex as they sound so download this week's episode now to bust that jargon.

Unlock the power of your network to accelerate your property journey with Steve Cowgill of Expat Property People

Mon, 03 Mar 2025 06:00:00 +0300

From Manchester to Oman to creating the ecosystem that is Expat Property People - Jonathan is joined in this week's episode by Steve Cowgill, an inspiration in the world of expat property investing.

Steve is a seasoned expat investor, a fellow podcast host and the founder of the ecosystem that is Expat Property People.

Based in Oman for the past 10 years, he has built up a property portfolio consisting of standard buy to let properties and HMOs and is expanding his portfolio to include social housing.

Steve offers up some amazing insights and advice during the pod and some fantastic tips for both new and seasoned investors.

Make sure you download and listen to this episode which is packed with value.

Contact Steve through his various channels below:

www.expatpropertypeople.com

www.stephencowgill.com

LinkedIn https://www.linkedin.com/in/steve-cowgill-mba-6111a919?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app

Facebook https://www.facebook.com/share/1Bof9ghSj7/?mibextid=wwXIfr

Instagram https://www.instagram.com/steve_cowgill?igsh=dzQxbnRmd3IybTIz&utm_source=qr

Books mentioned in the podcast:

Buy back your time - Dan Martell

Who not how - Dan Sullivan and Dr. Benjamin Hardy

Rich Dad Poor Dad - Robert Kiyosaki and Sharon Lechter

Unlock building a socially responsible property portfolio from Bahrain with Rachel Wellbelove

Mon, 24 Feb 2025 06:00:00 +0300

In this week's episode Jonathan is joined by Rachel Wellbelove, an expat property portfolio investor based in Bahrain.

Rachel shares her journey from owning her own logistics business in the UK to taking the plunge to relocate to Bahrain after the unexpected twist we all faced - COVID which prompted a change in her initial plans.

After relocating to Bahrain Rachel set up her own property investing business with an emphasis on people and being a socially responsible investor and business owner.

Hear how Rachel scaled her portfolio quickly in the world of single-let buy to let properties and then progressed to serviced accommodation and purchasing a care home for children through her JV partner.

Rachel also provides some top tips for budding and seasoned property investors.

This is an episode packed with actionable insights and knowledge so make sure you download and listen now.

Connect with Rachel through her various channels:

https://www.linkedin.com/in/rachelwellbelove-flexhomes-propertyinvestor/

Facebook

https://www.facebook.com/FlexHomesUK

Instagram

https://www.instagram.com/flexhomesuk/

Unlock why every expat should be investing in UK property

Mon, 17 Feb 2025 06:00:00 +0300

In this week's episode, Jonathan shares insights as to why every expat should be investing in UK property.

From the benefits of investing in UK property compared to stocks and shares to generating passive income, Jonathan will share his thoughts on why property is one of the best wealth building assets.

He'll also explain the unique advantages that expats have when investing and how you can use property to secure financial freedom and fund your retirement.

Join him in today's episode to discover what makes property investing so special and how you can get started on your own expat property investing journey.

Download this week's episode now.

Unlock the power of using lettings or management agents

Mon, 10 Feb 2025 06:00:00 +0300

In this week's episode Jonathan will share insights on how you can unlock the power of using lettings or management agents to streamline your portfolio responsibilities and take advantage of outsourcing tasks and actions which can sap your valuable time.

He'll explain what lettings and management agents are, the various services they can provide, how property investors use them to buy back their time and how to ensure that you select the right partner.

The advantages and drawbacks of using lettings agents will also be discussed to help you make an informed decision as to whether their services are right for you.

And, of course, Jonathan will share his own strategy when it comes to using lettings agent services.

Don't miss this episode - ensure you download and listen today.

Unlock the key steps to purchasing your first investment property

Mon, 03 Feb 2025 06:00:00 +0300

In this week's episode, Jonathan takes you through the step-by-step process of purchasing your first investment property.

From choosing the right location and property type to analysing deals and financing your purchase.

By the end of this episode you'll have a clear roadmap to successfully buy your first buy-to-let property and start building your property portfolio with confidence.

Download this week's episode now.

Unlock Property vs Stock Market Investing

Mon, 27 Jan 2025 06:00:00 +0300

In this week's episode, Jonathan will explore whether you should be investing in property or the stock market.

Which asset class offers the best short and long-term gains?

Is property the right investment strategy or should you put your cash into the stock market instead?

Jonathan will share the key benefits, risks and challenges associated with both to help you make an informed decision as to which asset class is best for you.

Make sure you download this week's episode now to unlock the answer to whether you should be investing in property or the stock market.

Unlock mastering landlord responsibilities hassle-free

Mon, 20 Jan 2025 06:00:00 +0300

Being a landlord comes with it's own set of responsibilities, from legal obligations to tenant management.

In this week's episode Jonathan will dive into what it really takes to succeed as a landlord while minimising stress and maximising efficiency.

During this episode you'll learn what your legal obligations are as a landlord, how to build strong tenant relationships, streamlining property maintenance, leveraging property management services and how to build a power team to ensure success.

If you're a landlord or a budding landlord then this episode is packed with valuable insights and information to ensure whichever property management option you decide on is as stress-free as possible.

Download it now to ensure you don't miss out.

Unlock 2025 Property Predictions

Mon, 13 Jan 2025 06:00:00 +0300

In this week's episode, Jonathan will share his 2025 property predictions.

Will house prices continue where they left off in 2024 and see additional growth in 2025?

What about interest rates? Do we see further reductions from the Bank of England in 2025 which will help drive down mortgage rates from lenders?

2024 also saw rental inflation at relatively high levels, will we see this continue in 2025 or will the rental market face reductions?

And which cities in England will be the best performing for property investors?

Download this week's episode now to find out.

Unlock the secrets of how to make £40k+ from off-plan property during the build phase

Mon, 06 Jan 2025 06:00:00 +0300

In the first episode of 2025 Jonathan will be sharing the secrets of how to unlock £40k+ profit from off-plan new build property during the build phase.

Unknown to many, investing in new build, off-plan property offers investors the ability to make money before they even own the property while it is being built.

When investing in off-plan property there will be a period of time for the developers to complete the building and your particular property - during this time, if you invest in the right location, with the right developer and the right type of off-plan property you can enjoy capital growth without even owning the property.

It's literally making money without lifting a finger.

Jonathan will also share his own personal experience in deploying this strategy where he was able to generate over £40,000 in value before taking ownership of the property itself.

During the episode he'll also share how he will be able to extract that equity to fund future property purchases resulting in portfolio growth without using your own money.

This is an episode you don't want to miss, so download it now.

Unlock your 2025 Property Goals

Mon, 30 Dec 2024 06:00:00 +0300

In the last episode of 2024, Jonathan will be sharing insights and tips on setting clear property goals and strategies.

The new year is fast approaching and now's the time to start looking at setting your goals for 2025. In this episode Jonathan will explore why goals matter, how to set them effectively and strategies to bring them to life.

Having a clear direction is critical and property is no different. Ensuring that you follow the right strategy is essential and by setting specific and achievable goals you can ensure that you stay on track to achieving your objectives.

Are you looking to generate income to replace your salary? Or perhaps you want to build a lasting legacy for you and your family? Whatever the case may be, having goals and strategies to focus your efforts on will lead to success.

Jonathan will also share tips on what to not to do when setting goals to achieve your vision - distractions are everywhere. The next best thing in property is always being pitched by investment companies and property entrepreneurs and it's easy to get caught up in the hype but by having clear goals and a vision you can help avoid falling down the rabbit hole of these.

Don't miss out on this essential episode by downloading it now

Unlock 2024 UK Property Performance

Mon, 23 Dec 2024 06:00:00 +0300

It's nearly Christmas and the end of the year is fast approaching.

In this week’s episode of Unlock Expat Property – The Podcast, Jonathan reviews the performance of the UK property market in 2024.

How have house prices fared this year?

Which areas were the highest performing versus the lowest?

He’ll also review how rents have performed in 2024 and provide insights on interest rates throughout the year and their impact on mortgages.

Has 2024 been a year where investors can celebrate or has it been a year to forget?

Tune in now to find out

Unlock these must-read books for all property investors

Mon, 16 Dec 2024 06:00:00 +0300

In this week’s episode Jonathan provides 4 must-read books for all property investors.

Whether you’re new to property investing or a seasoned investor, these books cover crucial topics such as developing the right mindset, understanding property investment strategies and mastering the fundamentals of UK property investing.

If you’re serious about building wealth through property then these reads will equip you with the knowledge and confidence to unlock your full expat property potential.

Make sure you check out this episode now and hit that subscribe button so as not to miss out on future episodes.

Rich Dad Poor Dad by Kiyosaki, Robert T 2nd (second) Edition (2011): Amazon.co.uk: Books

The Complete Guide to Property Investment: How to Survive and Thrive in the New World of Buy-to-Let (Audio Download): Rob Dix, Rob Dix, Team Incredible Publishing: Amazon.co.uk: Books

10x Is Easier than 2x: How World-Class Entrepreneurs Achieve More by Doing Less (Audio Download): Dan Sullivan, Dr. Benjamin Hardy, Dan Sullivan, Dr. Benjamin Hardy, Hay House Business: Amazon.co.uk: Books

Unlock HMOs to scale your portfolio

Mon, 09 Dec 2024 06:00:00 +0300

In this week's episode of Unlock Expat Property - The Podcast, Jonathan will share key insights on how to use HMOs, or houses of multiple occupation, to scale your portfolio.

He'll share what HMOs are, how they work and provide a breakdown of the key advantages and disadvantages in utilising this strategy.

HMOs come with some great benefits, including higher cashflow but there are considerations to factor in, such as more intensive management requirements as well as regulatory compliance.

Can the HMO strategy work even if you're an expat based thousands of miles away from the UK? Tune in now to find out.

Unlock purchasing property in personal name or limited company

Mon, 02 Dec 2024 06:00:00 +0300

In this week's episode, Jonathan will cover the challenging decision of whether to invest in property in your personal name or through a limited company.

For first time investors, the thought of investing in property using a limited company has probably never crossed their mind but it's important to understand the implications of investing in your personal name versus investing through a limited company.

Jonathan will explain what investing in your personal name and limited company is, the key benefits and drawbacks in doing so and provide insights on key considerations that expats need to make before purchasing investment properties and growing their portfolios.

It's important to highlight that this episode does not provide tax advice or guidance as every individual's situation is unique, so seeking specialist professional advice is a must. However, you will gain insights and knowledge on the topic to help you to take a more informed approach to your own property investing journey.

Download this week's episode now.

Unlock the Renters' Rights Bill

Mon, 25 Nov 2024 06:00:00 +0300

In this week's episode Jonathan shares the latest updates on the Renters' Rights Bill which the new Labour government plan to introduce in 2025.

This Bill replaces the previous version under the Conservative government - the Renters' Reform Bill and adds in additional provisions.

Jonathan will unpack what the provisions are, how they will impact you as a property investor and landlord and what you can do to ensure that you are prepared for the changes.

The Renters' Rights Bill will definitely require adjustments from property investors and this episode is packed with valuable insights and tips on how to make sure that you continue to generate passive income and build long-term wealth for the future.

Download this week's episode now.

Unlock the power of refinancing: Supercharge your property portfolio growth

Mon, 18 Nov 2024 05:00:00 +0300

Are you ready to unlock the hidden potential in your property portfolio?

Imagine turning the equity in your home or investment property into tax-free cash - cash you can use to grow your wealth faster than ever before.

In this week's episode, Jonathan will be diving into one of the most powerful tools in property investing - Refinancing

You'll learn what it is, how it works, and how you can use it to extract equity and fuel your next big investment.

Jonathan will break down the step-by-step process and share insider tips to help you leverage your equity to grow your portfolio to new heights.

Whether you're just starting out or looking to take your portfolio to the next level, this episode is packed with everything you need to know about refinancing to grow your property empire.

To ensure you don't miss out download this week's episode now!

Unlock AI in UK property investing with Evan Shellshear

Mon, 11 Nov 2024 06:00:00 +0300

In this week's episode Jonathan is joined by Evan Shellshear, an expert, author and speaker in the world of artificial intelligence, or AI, as it's more commonly known.

Jonathan and Evan explore the key concepts, benefits and risks associated with integrating AI into your property investing strategy.

Topics covered in this week's show include:

What is AI and how does it work?
The benefits of using AI in property investing
How to leverage AI in property investing
Understanding the risks of using AI and over-reliance on it

During the show Jonathan and Evan will also provide real-life case studies of how AI has been used and where it has gone wrong to help you ensure that your usage of AI in your property investing journey adds value and removes risk.

Download today's episode now!

Resources from today's podcast:

AI Design Tool
www.motiff,com

Free AI Tools for Property
www.propertyaitools.com

Evan Shellshear's book
https://www.routledge.com/Why-Data-Science-Projects-Fail-The-Harsh-Realities-of-Implementing-AI-and-Analytics-without-the-Hype/Gray-Shellshear/p/book/9781032660301

Unlock the 2024 UK Budget

Mon, 04 Nov 2024 06:00:00 +0300

It was one of the most anticipated budgets in recent UK history and it has finally been announced.

Property investors around the country and overseas waited with baited breath to discover what the new Labour government had in store for them with expectations they would be hit the hardest

In this week's episode, Jonathan shares the new changes and how they will impact property investors - were the fears of property investors realised and is it the end of property investing as we know it.

Download this week's episode to find out now.

Unlock property investing mistakes

Mon, 28 Oct 2024 05:00:00 +0300

In this episode Jonathan shares his experience with the mistakes made on his first property investment.

From mortgage confusion and unexpected costs to staying grounded through government rate changes, Jonathan discusses six key lessons that every investor should know to avoid similar pitfalls.

Key Highlights include:

Understand Mortgage Basics – A specialist broker can make all the difference
Check What’s Included – Avoid unexpected costs by clarifying new-build details
Don’t Let Emotions Drive Decisions – Treat property as a business, not a home
Prepare for the Unexpected – Have a cash buffer for last-minute expenses

Jonathan’s journey is packed with insights to help you avoid common investment errors.

Whether you're new to investing or looking to refine your strategy, this episode has tips to help you make smarter property decisions.

Unlock your property investing questions

Sun, 20 Oct 2024 23:00:00 +0300

In this week's episode Jonathan will answer all your burning questions about investing in UK property.

Key questions covered include:

How to kickstart your investing journey with 7 actionable steps
How much money you need to get started
Should you use mortgages to purchase property or buy in cash outright
Which locations are best to invest in right now
Whether you should invest in HMOs
What the biggest risks in property investing are
How to protect yourself against interest rates; and
How to release equity from your properties

Make sure you download this week's episode to get all the answers you are looking for and additional insights and knowledge.

Unlock the upcoming 2024 UK Budget's impact on property investing

Mon, 14 Oct 2024 06:00:00 +0300

In this week's episode, Jonathan shares his predictions on what announcements will be made in the upcoming UK budget which will impact property investors.

He'll share 3 key areas to consider and their likely impact on your property investing journey.

Do the anticipated changes derail your property investing strategy or will the expected announcements be a minor bump in the road to generating passive income and long-term wealth through property investing?

Jonathan will share insights on capital gains tax, stamp duty land tax and mortgage interest tax relief and how they could potentially change on October 30th when the budget is announced.

He'll also share his thoughts on what the proposed changes could mean for you as a property investor as well as ways to overcome the impact of such changes.

Download this week's episode now to find out.

Unlock purchasing new build off-plan property

Tue, 08 Oct 2024 08:00:00 +0300

In this week's episode, Jonathan will be unlocking how to purchase new build off-plan property.

What are the key benefits in investing in new build off-plan property as well as the associated challenges and how can these be mitigated?

Jonathan will share the six key stages in purchasing a new build off-plan property including the reservation process to secure your plot, the payment structure and the exchange and completion process.

Investing in new build off-plan property is a sure fire way to kickstart your property investing journey with minimal effort and, for expats, this enables a completely hands-off approach to property investment.

Jonathan will also share his experience in purchasing new build, off-plan property directly with the developer as well as through specialist property investment companies and how it all works.

So tune in now and unlock your expat property potential - your key to building passive income and long-term wealth.

Unlock expat mortgages with John Squires from Liquid Expat

Mon, 30 Sep 2024 09:00:00 +0300

In this week's episode, Jonathan is joined by John Squires from Liquid Expat, a specialist expat mortgage broker with over 23 years' experience.

John will be sharing key insights and knowledge on the expatriate mortgage market as well as providing essential tips for anyone seeking a mortgage on their property purchase.

In today's episode we cover:

The various types of mortgages available to expats
How do mortgage applications for expats differ from UK residents
How can you use equity to grow your own property investment portfolio
What will happen to interest rates over the coming year

Tune in now to gain this valuable knowledge and we'll also be sharing an exclusive discount code for anyone interested in using John and his services to secure your mortgage.

To contact John Squires at Liquid Expat you can reach him by email or by phone:

john@liquidexpat.com
http://tiny.cc/ymynzz

Unlock your fear in investing in property

Mon, 23 Sep 2024 10:00:00 +0300

In this week’s episode we take a detour from the usual format of the pod and discuss how to unlock your mindset to fuel your property journey.

Today we unlock fear, its impact on property investing and how you can overcome it.

Being fearful of something unknown is perfectly natural but by educating ourselves we can tackle it head on and minimise its consequences on our property investing journey.

Jonathan shares four simple steps to help you overcome your fears of investing in property.

Download this week’s pod now to unlock your expat property potential - your key to building passive income and long-term wealth.

Unlock what types of property to invest in

Mon, 16 Sep 2024 07:00:00 +0300

In this week's episode of Unlock Expat Property - The Podcast, Jonathan will be exploring the different types of properties that you can invest in.

It's very easy to become overwhelmed by the variety of choices available and promises of 'big returns' so by understanding the differing types of property available and the benefits as well as the challenges associated with each you can make the right decision that best suits your property goals and strategies.

Jonathan also shares insights into his own property investing strategy to help you determine your own.

Avoid being sucked into the 'shiny penny' syndrome and ensure that you determine your property goals and strategies early on to suit your investing appetite and profile.....and stick to it!

Download this episode now to gain free invaluable knowledge on what type of properties you should be investing now.

Unlock the power of mortgages to fuel your property portfolio

Mon, 09 Sep 2024 06:00:00 +0300

In this week's episode Jonathan will be unlocking the world of mortgages.

What is a mortgage and how can it be used to fuel your expat property investment journey?

Mortgages can be a powerful tool for investors to accelerate their property portfolio enabling them to generate passive income and long-term wealth.

Jonathan will share information on what types of mortgages are available and the pros and cons of each as well as debunking some, often confusing, terminology used in the world of mortgages.

Understand what equity is and how to use equity release to benefit from the value of your property over time and enable you to grow your portfolio at a much faster pace.

Jonathan will also share what types of mortgages successful property investors use and how they work.

Download this episode now to gain free invaluable knowledge on using leverage to kickstart your own property investment journey.

Unlock financing buy-to-let properties in the UK

Mon, 02 Sep 2024 06:00:00 +0300

Join Jonathan in this week's episode as he unveils the secrets to financing your buy-to-let property investments in the UK. Wondering if you need to have heaps of cash to start your property journey? Think again.

Many believe that a substantial amount of capital is a must to venture into the UK property market, but Jonathan is here to debunk that myth. Discover how leveraging mortgages can be the game-changer you need. With this powerful strategy, you can accelerate your portfolio growth without needing to pay hefty amounts upfront.

Imagine this: instead of draining your savings, you use mortgages to fund your property purchases, and the best part? Your tenants cover the monthly mortgage payments.

Download this episode now and take the first step towards unlocking your expat property potential – your key to building passive income and long-term wealth.

Unlock what is buy to let property investing

Mon, 26 Aug 2024 05:00:00 +0300

In this week’s episode I'll be unlocking what exactly is buy to let investment as well as exploring the key advantages and potential challenges with investing in UK property and how these can be mitigated.

I'll break down some of the jargon associated with property investment to ease your understanding of property investing in the UK.

I'll be discussing how you can use buy to let property investment to generate passive income and create long-term generational wealth and how you can do this no matter where you are in the world.

And the best part - it's a lot easier than you may realise.

We'll explore why investing in property is a sure fire way to obtain a secure long-term asset which has proven the test of time and why the property market shows such resilience even in times of uncertainty and world-changing events, such as the global financial meltdown in 2008 and the dreaded COVID pandemic we recently experienced.

So download this week's episode now and unlock your expat property potential - your key to generating passive income and long-term wealth.

Welcome to Unlock Expat Property - The Podcast

Mon, 19 Aug 2024 07:00:00 +0300

It's finally landed! Welcome to the first ever episode of Unlock Expat Property - The Podcast!

I am excited to launch this new podcast aimed at fellow expats from all over the world who either have an interest in learning more about UK property investment or are already property investors looking to boost their knowledge.

Whether you're new to investing or a seasoned investor this podcast will provide you with invaluable tips and information on how to generate passive income and long-term wealth through property investment.

In this first episode I'll be introducing myself, my journey both as an expat and as a property investor and explaining why I have decided to take the plunge and launch a podcast.

Thank you for listening. Please hit the subscribe button on your preferred podcast platform now to ensure you don't miss out on future episodes.

You can also reach me on my Instagram handle - jonathan_cj_residences and on LinkedIn by searching "Jonathan Smith CJ Residences"

Unlock your expat property potential - your key to building passive income and long-term wealth.