The Pension Confident Podcast

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Becoming a landlord with Buy-to-Let properties has often been seen as a way to build long-term wealth. But with brand new rules, higher taxes and more paperwork, it's becoming harder to turn a profit.
Did you know that since 2022, the rental sector is the only area of the housing market to have lost value? So, are Buy-to-Lets still a good bet? And where does this leave existing landlords trying to make sense of a changing market?
Today, we're breaking down the real story behind Buy-to-Lets and what you need to know before you think about jumping in.
Join our host, Philippa Lamb, and our expert panel as they discuss Buy-to-Lets:
Buy-to-Let Landlord and Content Creator "Property Empress", Anna Pearce; and
Mortgage Adviser, Michael Annis.
 
Episode breakdown
01:23 What's happening to the property market?
04:56 The Renters' Rights Act explained
09:06 Are landlords really leaving the market?
11:35 Understanding rental yields
16:28 Eligibility rules for Buy-to-Let mortgages
20:22 Stamp Duty on second properties
22:36 Building a property portfolio
25:44 The risk and reward of buying at auction
 
Further reading and listening
To learn more about property, check out these articles, podcasts and videos from PensionBee:
E4: Should you pay more into your mortgage or pension? (Podcast)
E22: Why is renting so expensive? (Podcast)
Buying a property: the basics (Video)
Buying a property with someone (Video)
How to downsize for retirement (Blog)
How to use your property to fund your retirement (Blog)
Property inheritance (Video)
Renting a property: the basics (Video)
Renting in retirement: 3 things to consider for a secure future when you don't own your home (Blog)
 
Other useful resources
Do I need a Buy-to-Let mortgage? (MoneyHelper)
Guide to the Renters' Rights Act (GOV.UK)
Leasehold vs freehold: what's the difference? (MoneyHelper)
Making Tax Digital for Income Tax (GOV.UK)
Mortgage fees and costs when buying or selling a home (MoneyHelper)
Private rent and house prices, UK: March 2026 (ONS)
Renting out your property: guidance for landlords and letting agents (GOV.UK)
Stamp Duty calculator (MoneyHelper)
Stamp Duty - everything you need to know (MoneyHelper)
Tenants' rights and responsibilities explained (MoneyHelper)
What is the landlord licensing scheme? (UK Landlord Tax)
 
Catch up on the latest news, read our transcripts or watch on YouTube:
The Pension Confident Podcast
The Pension Confident Podcast on YouTube
 
Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.
Follow Anna Pearce (@propertyempress) on TikTok, YouTube, Instagram, LinkedIn and Facebook.
Follow Michael Annis on LinkedIn.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: [email protected].
On this bonus episode, we hear from PensionBee customer, David. He spent years quietly accumulating pension pots across various employers without paying them much attention. That all changed when an unexpected cancer diagnosis forced him to confront his finances head-on, and think hard about what would happen to the people he loves if he wasn't around.
We unpack the decisions David has navigated, from consolidating old pots and rethinking his investment risk to naming beneficiaries and having long-overdue conversations with his family, with the help of pensions expert Dani Skerrett, Head of Content Marketing at PensionBee. Plus, we share how increasing your contributions by even 1% or 2% can make a staggering difference to your retirement pot.
 
Episode breakdown
00:43 Meet David
04:19 Assessing his investments and consolidating
09:38 Hindsight on workplace pension contributions
14:41 The diagnosis that changed everything
17:02 Preparing his family for the worst
18:54 David's dream retirement
 
Further reading, listening and watching
To learn more about the topics discussed in this bonus episode, check out these articles, podcasts and videos from PensionBee:
Episode transcript (Blog)
E37: The easiest way to retire with more money (Podcast)
Estate planning - PensionBee's Milestone Moments (YouTube)
Pension beneficiaries (Article)
Pension rules after death (Article)
Six money conversations you need to have with your family (Blog)
Writing a will (Article)
Other useful resources
Financial Lives 2024 (Financial Conduct Authority)
How do I write a will and how much does it cost? (MoneyHelper)
Combine your pensions (PensionBee)
Pension Calculator (PensionBee)
The £500,000 cost of neglecting your pension (PensionBee)
Retirement Living Standards (Pensions UK)
The new State Pension (GOV.UK)
Catch up on the latest news, read our transcripts or watch on YouTube:
The Pension Confident Podcast
The Pension Confident Podcast on YouTube

Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: [email protected].
 
In this bonus episode of The Pension Confident Podcast, we cover some of the key changes from the new 2026/27 tax year and what they could mean for you and your finances.
Join our host, Philippa Lamb, and VP Personal Finance at PensionBee, Maike Currie, as they unpack the changes impacting:
the National Minimum and Living Wage;
statutory sick, parental and bereavement pay;
frozen earnings bands and savings limits;
the State Pension and personal pensions.
 
Episode breakdown
01:09 What is the tax year?
02:25 Minimum and statutory pay for workers
04:08 The State Pension and 'triple lock'
06:20 Frozen thresholds on earnings and savings
10:46 Pension contributions and compound interest
 
Further reading and listening
To learn more about the 2026/27 tax year, check out these articles and podcasts from PensionBee:
Episode transcript (Blog)
4 smart ways to use your ISAs in retirement (Blog)
How to use carry forward to make big pension payments (Blog)
What is the State Pension? (Article)
What is the triple lock on State Pensions? (Blog)
What tax changes are coming in April 2026? (Blog)
 
Other useful resources
Adoption leave and pay (GOV.UK)
Maternity leave and pay (GOV.UK)
National Minimum Wage and National Living Wage rates (GOV.UK)
Parental bereavement leave and pay (GOV.UK)
Paternity leave and pay (GOV.UK)
Shared parental leave and pay (GOV.UK)
Statutory Sick Pay (SSP) (GOV.UK)
The basic State Pension (GOV.UK)
The new State Pension (GOV.UK)
The Retirement Living Standards (Pensions and Lifetime Savings Association)
 
Catch up on the latest news, read our transcripts or watch on YouTube:
The Pension Confident Podcast
The Pension Confident Podcast on YouTube

Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: [email protected].
 
Did you know that over the next 30 years, Baby Boomers are expected to pass down an astonishing £5.5 trillion in assets? It's being called one of the largest movements of wealth in British history. So are you ready for the 'great wealth transfer'?
Many Millennials are facing tough financial challenges - with lingering student loans, high rent or mortgage costs and expensive childcare. A wealth transfer could be transformative for this generation.
But here's the catch: without proper estate and financial planning, many families could face hefty tax bills. And from April next year, pensions will be included in estates for Inheritance Tax purposes, which could push that tax bill much higher!
Join our host, Philippa Lamb, and our expert panel as they discuss the 'great wealth transfer':
Co-Founder of Millennial Money UK, Niaz Azad;
Solicitor and Director at Richard Reed Solicitors, Annaliese Barber; and
Senior Performance Management Manager at PensionBee; Dan Stean.

 
Episode breakdown
01:55 Planning for an inheritance
03:58 Generational divide between Baby Boomers and Millennials
07:27 From meritocracy, to inheritocracy
10:50 Inheritance Tax (IHT) basics and thresholds
15:07 Wills matter, even when young
18:37 Estate planning conversations create clarity
21:03 Gifting rules and pitfalls
23:56 When family dynamics and money collide
 
Further reading and listening
To learn more about intergenerational wealth, check out these articles and podcasts from PensionBee:
E20: What to do when someone dies (Podcast)
E28: The Bank of Mum and Dad - what's the impact on your pension? (Podcast)
Estate planning - PensionBee's Milestone Moments (YouTube)
Pension beneficiaries (Article)
Pension rules after death (Article)
Inheritance Tax guide (Article)
What to do with inheritance money? (Blog)
Six money conversations you need to have with your family (Blog)
Writing a will (Article)
 
Other useful resources
3 million pensioner millionaires (The Intergenerational Foundation)
Busting the "wealthy boomers" myth (Centre for Ageing Better)
British millennials still bearing scars of 2008 financial crisis, says research (The Guardian)
Check who can apply for probate and inherit if someone dies without a will (GOV.UK)
How do I write a will and how much does it cost? (MoneyHelper)
Inheritance Tax rules on gifts (MoneyHelper)
Setting up a trust fund (MoneyHelper)
 
Catch up on the latest news, read our transcripts or watch on YouTube:
The Pension Confident Podcast
The Pension Confident Podcast on YouTube
 
Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.
Follow Millennial Money UK (@MillMoneyUK) on TikTok, YouTube, Instagram, LinkedIn, Facebook and X.
Follow Richard Reed Solicitors (@richardreedsolicitors) on Instagram, LinkedIn and Facebook.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: [email protected].
 
On this bonus episode, we hear from PensionBee customer, Sanna. Like so many, she's juggling family life, buying her first home, and trying to save for retirement - all at the same time. Since having her daughter and moving back in with family to save on rent, her pension savings have taken a back seat.
We unpack the choices Sanna has faced - from rising living costs and childcare to finding faith-aligned financial products - with the help of pension expert Rachael Oku, VP Brand and Communications at PensionBee. Plus, we share helpful guidance for prioritising your future savings while juggling the more immediate, everyday costs.
 
Episode breakdown
01:06 Homebuying vs. saving for retirement
03:20 Rising costs and financial impact
05:05 Faith-driven investing options
08:39 Exploring multiple income streams
 
Further reading, listening and watching
To learn more about the topics discussed in this bonus episode, check out these articles and podcasts from PensionBee:
Episode transcript (Blog)
E41: How can multi-generational living save you money? (Podcast)
E6: What are Shariah investments? (Podcast)
What is an investment account? (Article)
What is an ISA? (Article)
What is a Stocks and Shares ISA? (Article)
How to use your property to fund your retirement (Blog)
 
Other useful resources
Check your State Pension age (GOV.UK)
Free Childcare for Working Parents (GOV.UK)
Pension Calculator (PensionBee)
Retirement Living Standards (Pensions UK)
The new State Pension (GOV.UK)
The UK Pension Landscape (PensionBee)
Britain's Trapped Generation (Skipton)
 
Catch up on the latest news, read our transcripts or watch on YouTube:
The Pension Confident Podcast
The Pension Confident Podcast on YouTube

Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.