Hi, I'm Rob. And I'm Rob. And this is Ask Rob and Rob.

Hey everyone, it's Ask Rob and Rob, the show where you give us your wonderful questions and we do our very best to answer them.

But before we do, very best to answer them.

But before we do, if you've got a question that falls into our area of competency,

which is normally property, maybe a bit of business, chess, but no one's asked a question

on chess, yeah.

And maybe you do have a question on any of our areas of expertise,

then we can direct you to the following place, Rob.

Yeah, I mean, come on, how much do you want to be handheld through this? All you've got to do

is go to Property Hub. Let's's easy you can leave us a voicemail you can record a message

from your laptop or you can even send us a written question for the Sunday times and

someone who's found his way to that link this week is Paul.

Hi Rob and Rob, this is Paul from Bromley.

I'm a long-standing listener to the show and I greatly enjoy your show.

Thank you very much for everything you do.

My question is as follows.

I have currently three bachel bike select properties, all one

beds in Central Manchester, thanks for your influence, and I'm looking to increase that to about

ten properties over the next few years. My current properties, each of them is in a separate SPV and my question is do I add the new

properties to a separate SPV each or do I add them all within an existing SPV?

The dilemma as I see it is that if a lot of what I do is off plan purchasing and if I add the new properties each to a separate SPV I have some risk isolation so for instance if I couldn't complete in a couple of years when the off plan is ready, my understanding is that if it was in its own SPV that all I'd stand to lose is my deposit.

Whereas if I had several properties in the SPV making the purchase, that the developer could also come after some of the other properties.

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