The Progressive Property Podcast

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/

We have just witnessed one of the biggest changes to hit property in years, and it's something we've never covered on this channel before. If you're buying, selling, investing, or planning to in the next few years, then this affects you. I'm talking about the new legislation the government has just laid out that affects every house sale in England and Wales.

Right now, around one in three agreed sales collapses before completion. The average sale takes 120 days after the offer is accepted. That's about 60% longer than the same process took back in 2007.

Failed sales cost buyers and sellers £400 million per year. That doesn't just highlight a small inefficiency. That's a completely broken system, and the government's now finally trying to fix it.

So, in this episode, I'll be breaking down the legislation changes and the key points to save you having to work it all out. Make sure you stick around till the end because I'm going to tell you how to get ahead of this before any of it becomes law. This is an extremely important change for anyone in the property market, whether you want to buy or sell.

If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast

KEY TAKEAWAYS

Currently, around one in three agreed sales in England and Wales collapses before completion. Offers aren’t binding until exchange, creating months of delay, wasted costs and room for either side to walk away or change the price late in the process. Something the government is working to change.

The proposed reforms would make searches, property condition, and leasehold costs available when the property is put on the market. When you know how to read and interpret these documents properly you are better able to create and propose profitable deals.

You’ll need to be certain that the numbers work because in the future walking away without a valid reason could mean paying a penalty.

Investors who prepare now and develop stronger deal-analysis skills will be able to find more profitable opportunities under today’s rules whilst also making sure that they are ready for the proposed changes.

BEST MOMENTS

"The rules of buying and selling are changing in favour of the educated - make sure that includes you."

"Each of those things might sound boring on its own, but together they remove the real reason a sale takes 120 days."

"The gap between now and then is the opportunity."

VALUABLE RESOURCES

MSOPI – Multiple Streams of Income:

https://www.progressiveproperty.co.uk

https://kevinmcdonnell.co.uk

ABOUT THE HOST

Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey.

ABOUT THE HOST

Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.

CONTACT METHOD

https://www.facebook.com/kevinMcDonnellProperty

https://kevinmcdonnell.co.uk

https://www.tiktok.com/@progressiveproperty

https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g

https://twitter.com/progperty

https://www.linkedin.com/company/progressiveproperty

https://www.instagram.com/progressiveproperty

https://www.facebook.com/groups/progressivepropertycommunity

https://www.facebook.com/Progperty

This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/
Learn more about your ad choices. Visit megaphone.fm/adchoices

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/

This year, about 1.8 million households in this country, including a huge number of landlords, will get a letter from their bank. Inside it is the date their cheap fixed-rate mortgage deal expires, and when that date arrives, their monthly mortgage payment jumps by about £400 on average. Now, if you're a landlord with a mortgage on a rental property, your monthly payment can triple three times as much.

It happened with my own property, where my rates nearly tripled overnight. But the size of that increase is not the real story here. The real story is that educated investors actually want these letters to arrive because every one of those 1.8 million letters lands with an owner who may soon need to sell, which means a property that could be bought below its market value before an estate agent ever sees it.

By the end of this episode, you'll know: why landlords are being hit three times harder than homeowners, how to buy discounted properties from landlords whose cheap fixed-rate deals are ending, and how to do it safely so the deal actually makes you money.

If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast

KEY TAKEAWAYS

Around 1.8 million low-rate fixed mortgages expire in 2026, creating sharp mortgage payment rises that will hit landlords hardest.

When rent no longer covers the mortgage, tax and running costs, profitable rentals quickly become loss-making, leaving landlords desperately needing a fast sale.

Under pressure, many landlords choose auctions or a direct sale as a way out. It is faster and the sale is more likely to be completed so they will often accept a below-market price.

Educated investors can easily find and safely fund these sales. They can buy sound properties below market value, with equity built in from day one.

BEST MOMENTS

"The real story is that educated investors actually want these letters to arrive because every one of those 1.8 million letters lands with an owner who may soon need to sell."

"That's why the best of these deals never appear in Rightmove; they're sold before an estate agent ever even is involved."

"That test is the difference between buying an asset and buying the seller's problem off them at a discount. It's a skill set, and it can be learned."

EPISODE RESOURCES

Previous fixed rate mortgage opportunity episode - https://podcasts.apple.com/us/podcast/how-educated-property-investors-are-turning-the/id1176574597?i=1000785730543

VALUABLE RESOURCES

MSOPI – Multiple Streams of Income:

https://www.progressiveproperty.co.uk

https://kevinmcdonnell.co.uk

ABOUT THE HOSTS

Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey.

Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.

CONTACT

https://www.facebook.com/kevinMcDonnellProperty

https://kevinmcdonnell.co.uk

https://www.tiktok.com/@progressiveproperty

https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g

https://twitter.com/progperty

https://www.linkedin.com/company/progressiveproperty

https://www.instagram.com/progressiveproperty

https://www.facebook.com/groups/progressivepropertycommunity

https://www.facebook.com/Progperty

This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/
Learn more about your ad choices. Visit megaphone.fm/adchoices

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/

Right now, the UK government are enforcing a two-tier tax system for its citizens. On the one side, hardworking people are being forced to bleed their wages, are being heavily taxed on their property, and being punished for trying to invest. On the other side, the government are being outsmarted by another group who have learned, understood, and used strategies to keep more of their hard-earned cash to build wealth and financial freedom.

In this episode, I share five legal strategies investors use to make more and keep more. Why it is becoming increasingly dangerous to stay a normal saver, and the mistakes that investors make that cross the line from legal to illegal practices, and how you can avoid doing the same.

Before we get into the episode, please remember that this does not constitute financial advice - these are the principles I adopt as a professional investor, principles that save me 10s of £1000s every single year.

If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast

KEY TAKEAWAYS

Educating yourself, staying up to date and adapting is essential. Those that simply use the most popular strategies often end up seeing their once highly profitable businesses begin to fail.

Owning a rental personally or through a company can lead to different tax outcomes. Section 24 may restrict mortgage-interest relief for individual landlords, while companies have different tax implications.

Buying a property-owning company’s shares can mean a different stamp-duty bill from buying its properties, but you also take on the company’s history. Due diligence is essential.

Option agreements can secure the right to buy later, but each deal requires careful, professional legal drafting.

Remortgaging may release cash without selling, but it remains borrowing. Debt has to be serviced, and higher rates or falling rents can increase leverage risk.

BEST MOMENTS

"There's a good reason we teach it in a room rather than reading it out in YouTube. Done without the right checks, this strategy can cost you far more than it saves."

"The educated investor asked a different question: How do I use the growth of my property value without selling it?" “I did this very thing with one of my own properties recently and made over £70,000 pounds.”

if you want the full education, not just five strategies, but the whole deep dive taught properly, we are currently running a free webinar- MSOPI – Multiple Streams of Income:

VALUABLE RESOURCES

https://www.progressiveproperty.co.uk

https://kevinmcdonnell.co.uk

ABOUT THE HOST

Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey.

ABOUT THE HOST

Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.



CONTACT METHOD

https://www.facebook.com/kevinMcDonnellProperty

https://kevinmcdonnell.co.uk

https://www.tiktok.com/@progressiveproperty

https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g

https://twitter.com/progperty

https://www.linkedin.com/company/progressiveproperty

https://www.instagram.com/progressiveproperty

https://www.facebook.com/groups/progressivepropertycommunity

https://www.facebook.com/Progperty

This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/
Learn more about your ad choices. Visit megaphone.fm/adchoices

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/

This year, about 1.8 million households, including a huge number of landlords, will get a letter from their bank. Inside is the date their cheap fixed-rate mortgage deal will expire - When that date arrives, their monthly mortgage payment jumps by about £400 on average, and it will often be much worse for landlord. Many with a fixed-rate mortgage on a rental property, will see their monthly payment triple, leaving them out of pocket every single month they carry on renting that property out.

By the end of this episode, you'll know why landlords are being hit three times harder than homeowners, how to buy discounted properties from landlords whose cheap fixed-rate deals are ending, how to do it safely so the deal actually makes you money and do it in a way which benefits everyone involved.

If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast

KEY TAKEAWAYS

1.8 million ultra‑cheap fixed‑rate mortgages are ending, this year. So, many landlords are seeing their replacement monthly mortgage payment treble.

Profitable rental properties can easily become loss‑makers that landlords need to sell quickly so they can stop haemorrhaging money.

For educated investors the fixed term mortgage time bomb is a huge opportunity.

Writing to landlords directly who may need to sell fast, creates a win-win. The seller pays no agents fees and because they need a fast clean way out, they will often sell below market value.

Even at today´s interest rates, the new owner has the freedom to structure the deal differently and turn a property haemorrhaging money into one that makes a profit.

Those investors who learn how to find, price, and fund interest rate shock deals will add properties to their portfolio that have equity built in.

BEST MOMENTS

"1.8 million of those cheap fixed-rate mortgage deals expire during 2026 this year."

“They're often the best outcome the seller has: a fast, fair, certain sale, instead of missed payments, repossession, and a wrecked credit file."

"Because what they (landlords) need most is a quick, certain sale, they'll usually accept a price below what the property is really worth."

VALUABLE RESOURCES

MSOPI – Multiple Streams of Income:

https://www.progressiveproperty.co.uk

https://kevinmcdonnell.co.uk

ABOUT THE HOST

Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey.

ABOUT THE HOST

Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.

CONTACT METHOD

https://www.facebook.com/kevinMcDonnellProperty

https://kevinmcdonnell.co.uk

https://www.tiktok.com/@progressiveproperty

https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g

https://twitter.com/progperty

https://www.linkedin.com/company/progressiveproperty

https://www.instagram.com/progressiveproperty

https://www.facebook.com/groups/progressivepropertycommunity

https://www.facebook.com/Progperty

This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events: https://www.progressiveproperty.co.uk/raf/

Right now, in Westminster, there are people deciding how much it should cost you to keep living in your own home. A bill you pay every year for having a roof over your head. And most of the people who'll end up paying it have no idea it's coming. They think this is a tax on rich people, on mansions, on someone else.

In this episode, I'm going to show you using the government's own numbers, how that someone else slowly turns into you. I walk you through exactly what they want to do, step by step. And right at the end, I'll show you the one group of people who actually come out of this better off and how to make sure you are among them.

If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast

KEY TAKEAWAYS

Landlords could face a significant new squeeze as costs currently paid by tenants are transferred to them, while the tax bill when they eventually sell could also increase. That changes the numbers on every property in the portfolio.

For an unprepared landlord, the danger isn't simply paying more tax. The combination of higher costs and tighter restrictions can turn a property that once produced a healthy return into an asset that no longer makes financial sense to hold.

As smaller landlords decide to sell, the resulting reduction in rental supply creates problems for tenants but it is also an opportunity for those investors who are ready to act.

Those who understand how to structure their purchases and property portfolio correctly will find bargain deals, keep their tax bills down, grow and thrive for the long term.

BEST MOMENTS

“Every single time the government raises taxes, it creates an opportunity for educated people to make money, and that's what we teach here at Progressive Property.”

“The government has set that mansion tax line at £2 million and frozen it there. One by one ordinary homes rise in value until they cross that line.”

“Under this plan, that flips completely - overnight tenants save around £200 a month while the landlord is left to foot the bill.”

“Wes Streeting wants to tax the profit on your property the same way as they tax your wages. That pushes it from 24% today up to 40% or even 45% for higher earner.”

VALUABLE RESOURCES

MSOPI – Multiple Streams of Income:

https://www.progressiveproperty.co.uk

https://kevinmcdonnell.co.uk

ABOUT THE HOST

Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey.

ABOUT THE HOST

Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.

CONTACT METHOD

https://www.facebook.com/kevinMcDonnellProperty

https://kevinmcdonnell.co.uk

https://www.tiktok.com/@progressiveproperty

https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g

https://twitter.com/progperty

https://www.linkedin.com/company/progressiveproperty

https://www.instagram.com/progressiveproperty

https://www.facebook.com/groups/progressivepropertycommunity

https://www.facebook.com/Progperty

This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/
Learn more about your ad choices. Visit megaphone.fm/adchoices