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The Property Podcast

ASK501: What do I do with an inheritance? PLUS: Should I sell or rent out my flat?

The Property Podcast

Rob Bence & Rob Dix

Investing, Education, Business News, News, Business

4.82K Ratings

🗓️ 4 November 2025

⏱️ 10 minutes

🧾️ Download transcript

Summary

Welcome back to Ask Rob & Rob! Today, we’re diving into questions about starting a property portfolio and navigating the London market.  (0:42) After inheriting a low six-figure sum, Felix is keen to start building his property portfolio but isn’t sure where to begin. With no income yet as a full-time student and cautious about risk, what will Rob & Rob suggest for someone starting out from his position?  (5:10) Zara’s almost finished paying off the mortgage on her two-bedroom leasehold flat in London. She wants to upsize to a larger property and is wondering whether to keep her current flat as a rental to help cover costs, or sell it given rising service charges and potential resale challenges.  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 here – just hit record!.  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.

0:06.5

Hey, everyone, welcome to Ask Rob and Rob. This show, where you get your wonderful questions in,

0:11.8

we give you some heartfelt answers, some answers with effort and care, return to you for this wonderful

0:17.9

format. And this wonderful format has been going for a long time now. So let's keep this show on the road. Let's get your questions in. Rob, can we get a quick reminder how our dear listeners can get their lovely questions onto the show? We sure can. All you've want to do is go to property hub.net slash ask. That's property hub.net slash ask. You can send us a written question for our signing times column or our favorite

0:38.1

option. Send us a voicemail because then we can answer you right here on this show like we're about to

0:42.6

for Felix. Hi, so I'm looking to get into the property game and I do watch a lot of your guys's

0:49.5

videos on YouTube find them very interesting. So I say I'm in quite a unique position because I'm 20 and I inherited a sizable amount

0:58.3

of money, not millions, but enough, let's say, six figures, those six figures.

1:04.3

But I want to get started in the property game now and build up over time.

1:08.9

But one thing is that I don't have like an income I'm a student.

1:12.7

So I don't have like much money to cover losses and I'm trying to be quite risk adverse.

1:19.0

But I don't know where like how to get started. If I just am better just buying a one bed in

1:24.2

Manchester and cash all straight up or I don't know what do you guys think

1:28.4

in my position because I just feel like I don't know if I'd be better off just putting it in the

1:33.0

stock market but I do want a property portfolio and I want to get started on that while I'm

1:37.7

young and then in the future it'll make my life a lot easier but yeah big fan love your guys's

1:43.2

work love a podcast, keep going and hopefully

1:46.8

we'll get in touch soon. Felix, thank you for your question. It's a great question. It's a really

1:52.4

simple one, but it's really hard to answer because there's so many different ways you could go with

1:55.8

this. You've said that you're not a big risk taker. And I think that's a really good thing to be

2:00.8

when you're in this situation, a young person with a considerable amount of funds.

2:05.0

So I'm really pleased that you've put your question into the show so we can try and help

...

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