The HMO Podcast

Welcome to The HMO Podcast, the dedicated resource for HMO and Co-Living property investors and developers! Join me and my special guests to learn everything you need to know about HMO property investment, from the tips, tricks and hacks that can save you time and money, to the best practice advice, the technical 'know-how' and inspirational stories of success and failure that will help you start, scale and systemise your very own HMO portfolio or business today.

The HMO Podcast is a business podcast hosted by Andy Graham, with 377 episodes on record and a Required Pod Score of 80.

Andy Graham hosts The HMO Podcast, a business show with 377 episodes published.

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  Episode #379

  Mortgage Turmoil & The Outlook For 2026 With Ellie Broadhurst

  Sep 22, 202638 min

  The mortgage market has shifted quickly in recent weeks, with rising swap rates, changing lender pricing and wider economic uncertainty creating another challenging environment for HMO investors. In this episode, I sit down with our specialist mortgage broker Ellie Broadhurst to unpack what's happening in the lending market right now, how the Renters' Rights Act is starting to affect some HMO valuations, and what investors need to consider when buying or refinancing in today's market. What You'll Learn What's driving the recent rise in HMO mortgage rates Why some lenders are increasing rates while others remain competitive How the Renters' Rights Act could affect HMO valuations and refinancing How to prepare for a refinance and avoid unnecessary delays What the lending and property market could look like heading into 2027 If you're buying a HMO, approaching a refinance or planning your next project, this episode will give you a practical insight into what's happening in the mortgage market, the risks to be aware of and how to position yourself for the opportunities ahead. Book a Call with Ellie here: https://thehmoroadmap.co.uk/hmo-mortgage-finance/ Resources & Mentions Join Andy’s Accelerator Programme: If you’d like my direct input on your current or next project, you can book a complimentary strategy call with me here. The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here. Facebook Community: Got questions or need support? Come and connect with 10,000+ investors inside The HMO Community here. Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here. If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!

  ListenShow Notes
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  Episode #378

  Want To Get £10,000/pcm From HMOs? Here's What You ACTUALLY Need To Do #REWIND

  Sep 15, 202624 min

  £10,000 per month in net income is a common goal for HMO investors, but very few people actually break down what it will take to get there. In this #Rewind episode, I break down a simple exercise I use with my mentees to reverse engineer that target, looking at how many properties you might need, the equity you’ll need to create and why adding value is such an important part of building and scaling an HMO portfolio. What You'll Learn How to reverse engineer your HMO income target How many rooms and properties £10,000 per month could require Why creating equity is essential when scaling The importance of finding opportunities to add value How your location and strategy can affect the numbers If you’ve set yourself a financial target from HMOs, this episode will help you understand what it could actually take to get there and where you need to focus your efforts. Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here. The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here. The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here. Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.

  ListenShow Notes
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  Episode #377

  My HMO Investing A–Z: Everything You Need To Know In 60 Minutes

  Sep 8, 202654 min

  Is HMO investing still worth it in 2026, and what do you actually need to know before getting started? In this episode, I’m on the other side of the mic as Ant Lyons from YPN Magazine puts me through my A–Z of HMO investing, covering everything from what makes a good deal and how to fund one, to Article 4, location, management, compliance and the mistakes that can quickly turn a promising project into an expensive one. I also share how my own approach to investing has changed over the years and what I would do if I were starting again today with £100,000. What You'll Learn What I look for in a good HMO deal in 2026 Whether you need lots of money to get started How to choose the right location and project What Article 4 really means for HMO investors The costs and risks new investors often underestimate What to look for when outsourcing HMO management The planning and licensing traps you need to avoid What I would do differently if I were starting again today Whether you’re considering your first HMO or already building a portfolio, this episode gives you a practical overview of what HMO investing really looks like in 2026. You can find more of my interviews, articles and expert resources on my YPN Expert Hub here. Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here. The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here. Facebook Community: Got questions or need support? Come and connect with 10,000+ investors inside The HMO Community here. Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here. If you enjoyed this episode, hit subscribe and drop a quick review on Apple Podcasts or Spotify - it helps more investors find the show!

  ListenShow Notes
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  Episode #376

  Should You Manage Your Own HMOs? (The Honest Answer, Including The Numbers)

  Sep 1, 202643 min

  Should you manage your own HMOs, or pay somebody else to do it? It’s one of the most common questions HMO investors ask, and the decision is often based on one thing: how much money you could save by self-managing. But after nearly 20 years of investing in and managing HMOs, I can tell you there’s far more to consider than the management fee. In this episode, I break down what managing an HMO actually involves, the pros and cons of doing it yourself versus outsourcing, and the real cost of management when you factor in your time, attention and responsibility. What You'll Learn The difference between being an investor and a property manager What actually goes into managing an HMO day to day The time, stress and responsibility involved in self-management How management fees compare with the true cost of doing it yourself The key questions to ask before deciding which route is right for you If you’re currently self-managing your HMOs, or wondering whether you should, this episode will help you weigh up the options and make a properly informed decision. Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here. The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here. The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here. Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.

  ListenShow Notes
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  Episode #375

  Don't Buy These Buildings (And Why They Look Cheap)

  Aug 25, 202647 min

  Some properties look like great HMO deals on paper, but there are certain problems that no amount of negotiating, refurbishing or clever deal structuring can fix. In this episode, I break down the types of properties I think HMO investors should avoid, or at the very least approach with a great deal of caution, and explain why some of these seemingly attractive opportunities can become very expensive mistakes. What You'll Learn The lending risks of non-standard construction and spray foam Why shared ownership can be problematic for HMOs How covenants and lease clauses can restrict your plans Why existing HMO licences can be misleading The risks of listed buildings and flood zones If you’re currently sourcing or appraising your next HMO, this episode will help you spot some of the red flags before they become very expensive problems. Resources & Mentions Join my Accelerator Programme: If you’d like my direct input on your current or next project, you can watch this video or book a complimentary strategy call with me here. The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here. The HMO Community: Got questions or need support? Come and connect with 10,000+ investors inside our Free Facebook Group here. Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.

  ListenShow Notes

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