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/

In this high pace episode, Mark Homer lays out his no-nonsense predictions for the UK property market in 2026. He covers where he thinks the real growth will be (and where it won’t) for both residential and commercial properties, why the Midlands and the North are !likely to beat London for profits, and how the Renters Reform Act, EPC rules and tax changes will actually hit landlords and developers on the ground. 

If you’re serious about making money from property - whether that´s using HMOs, buy-to-lets, industrial or small-scale developments - this episode will help you to see what’s coming, where the opportunities are, and how to stay profitable in spite of the chaotic rate of change we are experiencing.

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

·      Focus on buying stuff that stacks in today´s market - Properties that generate solid yields and cash flow, rather than chasing speculative capital growth.

·      Consider shifting capital out of over‑taxed London and into stronger‑yielding Midlands and Northern markets and carefully selected industrial developments.

·      Treat Renters Reform and the loss of Section 21 as a given – tighten your paperwork, ASTs, and evidence so you can still deal with problem tenants.

·      Use 2026–2030 to get your stock to EPC C as cheaply and intelligently as possible.

·      The right EPC assessor is worth their weight in gold.

·      Despite the high levels of political and legislative change, the realities of supply and demand will exert themselves. So, those landlords and developers who adapt their strategy will remain profitable, regardless.

BEST MOMENTS 

"Even Starmer and Rachel from accounts can't beat the market. They cannot beat the supply and demand curve." 

" In order to get builders building again, and investors investing, capital values and rents need to go up in order to make projects viable." 

"I think capital growth probably will come back to something like four or 5% that's assuming that Bank of England base rate drops maybe half a percent by the end of 2026." 

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

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

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

Twitter: https://twitter.com/progperty

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

Instagram: https://www.instagram.com/progressiveproperty

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

Facebook Page: https://www.facebook.com/Progperty

 

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

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/

Today, Kevin shares some of his harshest social media attacks he’s had as a landlord and educator – from being called “a leech” and a “cartoon supervillain” to demands that landlords be dumped on a desert island. He picks apart the criticisms, digs into the myths around how landlords actually operate, and explains what most people get wrong about rent, mortgages, and profit.

Kevin demonstrate how small landlords are being scapegoated while big institutions quietly snap up housing – and why that matters. He shares his journey from years of debt to building his property portfolio , and how ordinary people can use his creative low‑cash down strategies to do the same.

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

Social media hate for landlords is loud, but demand for decent rental homes is louder. Landlords aren´t going anywhere.

“Rent is not profit.” Rising costs mean most small landlords are fighting tight margins, rather than getting rich off tenants.

When small landlords sell up, big institutions hoover up their properties – not first-time buyers. These massive landlords will eventually turn the screws on tenants.

The pressure on property in the UK is largely due to short sighted government policies, over regulation, rising tax and lack of supply, not landlords.

Turbulent markets create opportunities. With the right education and creative “no money down” strategies, this is your moment to get in the room and start building multiple streams of property income, by providing the homes people desperately need.

BEST MOMENTS

“If you got a pound on you, you have a future in property.”

"If you stopped bashing the landlords and start asking them the right questions, you might have a positive impact on your life."

" With no money down thinking you can build a portfolio."

Secure your spot at the Multiple Streams of Property Income Event — learn the proven strategies that will protect your investments, outsmart these new taxes, and build unstoppable cash flow.

Don’t let uncertainty hold you back, sign up here - https://www.progressiveproperty.co.uk

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

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

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

Twitter: https://twitter.com/progperty

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

Instagram: https://www.instagram.com/progressiveproperty

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

Facebook Page: https://www.facebook.com/Progperty

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

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/

Get ready for the most sweeping tax changes in years. This week, Mark unpacks the new government budget. With fresh surcharges on property and investment income, tighter pension rules, and unprecedented council tax hikes for high-value homes, property owners and entrepreneurs alike are facing an entirely new landscape.

Mark breaks down what these tax changes actually mean for your business, your investments, and your next moves. Discover how the latest policies could affect your portfolio, which reliefs and thresholds really matter now, and why this budget is sending shockwaves through the property world. Don’t wait for the fallout, be ready to take advantage of it.

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

This budget is the harshest attack yet on wealth creators and property investors - expect tighter margins and fewer incentives - but don´t miss out, turbulent markets = big opportunities.

Tax hikes are everywhere: 2% surcharges on investment income, new high-value council tax, slashed capital allowances, and frozen thresholds stealthily take more of your money.

Don’t let “fiscal drag” fool you: your overall tax bill will climb even without a headline hike.

The luxury property market is very much in the crosshairs. New bandings and surcharges are coming for high-value homes.

Cash ISAs just got squeezed. The number of stealth taxes is increasing year after year.

The government is enforcing the highest tax levels ever seen. Entrepreneurs are leaving for friendlier shores.

Uncertain markets mean motivated sellers and deals for those ready to move.

BEST MOMENTS

“Market uncertainty has made the market very soft, so I would use it to your advantage. Bid hard to get more deals, because I think there's more and more available."

"This budget marks a new high. We are now at the highest tax level ever."

“Their tax base, the number of people paying it is reducing, and we can see the effect of this doom

loop that has been going on, especially since the last budget.”

Secure your spot at the Multiple Streams of Property Income event —learn the proven strategies

that will protect your investments, outsmart these new taxes, and build unstoppable cash flow.

Don’t let uncertainty hold you back, sign up here - https://www.progressiveproperty.co.uk

VALUABLE RESOURCES

MSOPI – Multiple Streams of Income:

https://www.progressiveproperty.co.uk

https://kevinmcdonnell.co.uk

ABOUT THE HOST

Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex,

confidential deal analyser system of buying residential, commercial and multi-let properties.

CONTACT METHOD

Email: [email protected]

LinkedIn: ⁠https://www.linkedin.com/in/markhomer1⁠

Facebook: ⁠https://www.facebook.com/markprogressive⁠

Twitter: ⁠https://twitter.com/markprogressive⁠

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

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/

In today's episode, Sean speaks to Matt Clark, who went from being homeless and living in a tent to owning a £3.4 million property portfolio. Matt's story is really inspirational, and if this doesn't motivate you to be successful no matter your circumstances, then I don't know what will - let's dive right in.

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


Progressive Property courses, especially Buy, Refurbish, Rent (BRR), were pivotal for Matt’s transformation—equipping him with new strategies, confidence, and a supportive network that enabled rapid growth after experiencing failure and homelessness.


Learn to maximise the value of each deal. Matt leveraged the BRR strategy to buy undervalued properties, renovate them to create equity, and refinance to reinvest. He added bedrooms and split rooms to what he made at every stage.


Matt’s journey shows that you don’t need your own money to attract investors. He secured funding for major property deals by using Progressive to put himself around the right people, demonstrating passion, work ethic, and having a solid plan. You can potentially start with nothing and use other people´s money.


With the right mindset, support and up to date training anyone can overcome setbacks and achieve success in property investing.

BEST MOMENTS 

"I basically ended up being homeless… quite a brutal experience." 

"My portfolio, at the moment, generates about £11.5k cash flow a month. The value of it (Matt´s portfolio) is £3.4 million." 

"It´s made a big change coming to Progressive and always will do because they always keeping moving forward, keep coming up with and using different ideas." 

“Business is great, especially for cash flow, but you also need assets as well to help future proof yourself and your family.”

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/

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

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

Twitter: https://twitter.com/progperty

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

Instagram: https://www.instagram.com/progressiveproperty/

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

Facebook Page: https://www.facebook.com/Progperty

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

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/

HMRC is cracking down harder. They are hiring 1000s more staff and using AI tools and data mining in their investigations, which is catching a lot of property professionals out.

Today, Sean deep dives into the subject, so you don't have to. He explains what HMRC¨s new surveillance system is, how it is going to potentially impact your business, and what you can do in your business to survive the onslaught and thrive.

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

HMRC is massively stepping up their game.

HMRC´s Connect system scans everything—your property deals, bank moves, whether you drive an expensive car, even your socials.

The era of low scrutiny is over. Assume HMRC sees it all.

People are getting caught - particularly property investors. Sean shares several eye-watering real-world examples.

Audit yourself before HMRC does.

Digitize everything and keep your accounts clean.

The system already knows, hiding it doesn't make it invisible. It just makes it suspicious, and you'll receive a larger penalty when the Connect system finds out.

The smart property professional adapts and keeps growing. They know that tax follows profit and profit follows structure.

BEST MOMENTS

"HMRC are cracking down even harder on monitoring our income."

"(HMRC Connect) can cross-check your income with your lifestyle, your mortgage, your company filings, your personal bank accounts. You can't outsmart it."

"Property investors, we're the easiest targets. Why? Because we leave footprints everywhere, every deal, every mortgage, every tenancy. There's nowhere to hide."

EPISODE RESOURCES

SSAS episode - https://podcasts.apple.com/gb/podcast/how-to-find-new-sources-of-money-for-your-property/id1176574597?i=1000732731927

UK rent prices - https://podcasts.apple.com/gb/podcast/the-harsh-truth-about-uk-rent-prices-in-2025/id1176574597?i=1000725621585

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/

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

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

Twitter: https://twitter.com/progperty

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

Instagram: https://www.instagram.com/progressiveproperty/

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

Facebook Page: https://www.facebook.com/Progperty

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