ASK478: Should I sell and buy in a high growth area? PLUS: Does the monopoly strategy work in the north?

The Property Podcast

Rob Bence & Rob Dix

Investing, Education, Business News, News, Business

4.8 • 2K Ratings

🗓️ 27 May 2025

⏱️ 9 minutes

🔗️ Recording | iTunes | RSS

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Summary

Rob & Rob are back and they’ve got two new great questions from our listeners!   (0:40) Lloyd is a British investor living in Manhattan with properties in both the US and UK. He’s hoping Rob & Rob can shed some light on whether he should trade up his hassle-free UK properties for something with stronger capital growth potential or keep them ticking along and let time do the work. (5:14) Rob P’s been investing up north for five years in areas that have historically performed well in terms of cashflow and yields, rather than capital appreciation. He’s now eyeing the Monopoly strategy, but the numbers don’t seem to stack up on cashflow alone. Can Rob & Rob help him make sense of the numbers? Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Send us your question by calling us on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply) or click here to leave a recording via your computer instead. Find out more about Property Hub Invest

Transcript

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0:00.0	Hi, I'm Rob. And I'm Rob. And this is Ask Rob and Rob.
0:06.6	Welcome to Ask Rob and Rob. It's the show where we answer your property questions. And the show, of course, starts with you. So we'd like to make it really simple for you to send your questions our way.
0:16.0	We do head over to property hub.net forward slash ask. That's property hub.net forward slash ask that's property hub.net forward slash ask there you can
0:24.8	leave us a message you can call us and leave a voicemail if you prefer or if you want to write in with
0:30.4	your question we have our wonderful column in the sunday times each and every sunday in the home
0:35.4	section so if you want to get your question in that way,
0:37.8	you can as well. First in, we've got a question in from Lloyd. Hi, Rob and Rob. I love the podcast
0:43.5	and love the books, especially the latest sadness and money. Side note, but I think personal
0:47.5	finance books have been crying out for a more modern take on personal investing, and I generally
0:51.3	thought that was an instant classic. Anyway, British investor 30 years old
0:55.6	working a sales job in Manhattan, live below my means and have been able to buy one or two properties
1:00.4	a year since starting that journey. I live on the east coast of the US with no plans to return to
1:04.8	England and I started buying property after I moved abroad five years ago on both sides of the pond.
1:09.5	In the UK, I have one flat and one house
1:12.0	in Doncaster that I bought during COVID. And in the US, I picked up 10 rental units plus my primary house.
1:17.7	My question is about UK properties. Together, they're worth about £210,000. I have them on 15-year
1:23.6	mortgages currently in about 50% loan to value. I'm a couple of refis from my five-year
1:28.7	fixed rates coming up within the next 12 to 18 months, so thinking about trading up. My concern with
1:33.6	selling and trading up is always the transaction costs, specifically stunt duty. I've always had
1:38.7	one eye on leads for appreciation potential and feel like that's going to have more headway than
1:42.5	Deoncaster, but the donning property is a headache-free, my mum lives right next door, managing them, and they're never vacant as a result.
1:49.6	My question is about scaling that portfolio in the UK.
	...

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