How He Built a Property Portfolio From Scratch – And Why He’s Backing the Midlands
Release Date: 06/06/2025
Why Mortgage Strategy Matters More Than Rates Now
The Investors Corner
Mortgages are no longer a one-size-fits-all decision and the market has shifted more than most people realise. In this episode, we sit down with Harvinder from Mortgage Tribe to unpack the current mortgage landscape and what it means for buyers, landlords and property investors. We discuss what’s happening behind the scenes with lenders, how swap rates are influencing mortgage pricing, and why banks are approaching risk very differently to just a few years ago. The conversation also covers how to make a mortgage work for you, not just by chasing the lowest rate,...
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Why Buy-to-Let Isn’t Playing Out the Way People Think
The Investors Corner
Is buy-to-let really dead or are investors just looking in the wrong places? In this episode, we break down the UK property market as it stands in and cut through the noise around landlord exits, rental shortages and rising regulation. We kick things off with a snapshot of the current rental market, looking at supply levels, lending appetite and what the numbers actually say, not just the headlines. From there, we ask the big question: is London now a dead market for buy-to-let investors? We compare the capital to the regions and explain why yield,...
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Only 17% of Landlords Know This Law Is Coming… Are You One of Them
The Investors Corner
The UK rental market has shifted more in the past 12 months than most landlords realise and the data behind it is eye-opening. In this episode, Andy, Cindy and Ian sit down to break down everything that’s changed over the last year, from stamp duty and the UK budget to the growing impact of the Renters’ Rights Act. We cut through the headlines and focus on what the numbers are actually telling us about risk, opportunity and where the market is heading next. We uncover the fact that 25% of all new lets in the UK are now being agreed through OpenRent, placing a huge proportion of...
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Your Will Isn’t Enough After the Budget - Here’s What Every Landlord Must Fix
The Investors Corner
Welcome back everyone. Today we’re diving into the part of the Budget that barely got any airtime but massively impacts landlords: inheritance, pensions, and long-term planning. From 2027, unused pensions will now be hit with inheritance tax. And from 2031, the freeze on inheritance tax thresholds ends, which sounds good but actually creates a bit of a ticking time bomb for landlords with growing portfolios. So, to make sense of it all, we’ve brought in an estate planner who deals with this stuff every single day. We’ll run through the key Budget changes, bust a load of...
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What the Budget Really Means for Landlord Mortgages - Broker Explains
The Investors Corner
After weeks of confusion, headlines, and half-baked social media takes… what does the 2025 Budget actually mean for landlords and their mortgages? In this episode, we sit down with Tom from Mortgage Tribe to cut through the noise and break down how the Chancellor’s announcements really impact borrowing, affordability, tax planning, and long-term strategy. Frozen tax thresholds. Rising property income tax. Higher dividend tax for company landlords. Savings tax changes. It’s a lot but this episode makes it simple. If you’re a landlord with remortgages coming up, thinking about...
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2025 Budget Bombshells The Tax Changes That Could Crush (or Save) You
The Investors Corner
Today we’re diving into something every landlord and property investor in the country needs to have on their radar. There are some pretty heavy rumours swirling around about the 2025. Budget… and they’re not small tweaks, we’re talking potential tax hikes, new levies, and changes that could seriously shift the economics of the private-rented sector. Nothing is confirmed yet, but these whispers are loud enough that it’s worth getting ahead of the curve. So, if you’ve got a portfolio, you’re thinking about buying, or you simply want to protect your returns,...
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The Renters’ Rights Act Has Landed Here’s What Landlords NEED to Know (Before It’s Too Late)
The Investors Corner
This week we’re breaking down the brand-new Renters’ Rights Act, the biggest shake-up to renting in decades. We’ll explain what it means for landlords, when it’s coming in, and how to avoid the new penalties. From rent bidding bans and the end of fixed terms to pet requests, upfront rent rules, and £40,000 fines, this episode covers the lot. If you own or manage a rental property, you can’t afford to miss this In this episode: The Renters’ Rights Act 2025 is now law, and it completely changes the game for landlords, letting agents, and tenants. We unpack every key...
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Property Market SHOCK: Why Investors Are Buying When Everyone Else Waits
The Investors Corner
Everyone’s asking the same question right now, is it a good time to buy property? In this episode, we’re cutting through the noise with a clear market update for investors. We’ll show you why opportunity exists even in uncertain times, how debt can be a powerful tool instead of a trap, and the big mistake landlords make when they overpay their mortgages instead of using equity to grow their portfolio. If you want to understand where the market’s heading, and how to make smart moves that build long-term wealth, you don’t want to miss this one. Is now a...
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Why Most Landlords End Up Broke, Busy & Burnt Out
The Investors Corner
Most landlords step into property believing it’ll bring them passive income. But the reality? For many, it’s just another full-time job with late-night tenant calls, endless compliance, and unexpected costs. In today’s episode, we’re unpacking The Landlord Success Triangle time, money, and freedom. Because real success as a landlord isn’t about chasing yield or maximising rent, it’s about striking the right balance that gives you profit and peace of mind. We’ll challenge how you look at income versus capital growth, why self-management might be costing you...
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Property Up 34%… Stocks Up 74% – Is Buy-to-Let Dead?
The Investors Corner
For years, buy-to-let was the UK’s favourite investment. But with higher taxes and tougher rules, some say it’s finished. At the same time, stocks and shares have been booming. So today, we’re putting them head-to-head: income, growth, costs, effort, and flexibility. No jargon, just the facts. Is buy-to-let still worth it, or should landlords be moving money into stocks and shares? In this episode we put property and equities side by side: * Rental yields vs dividends * House prices vs stock market growth * Buy-to-let deposits vs £100 in an ISA * Tenant...
info_outlineIf you’re wondering where the smart money is going in property, this episode has the answers.
In Part 2, Umesh Kalra shares how he’s building his portfolio strategically—and why the Midlands is firmly on his radar for future investment.
In This Episode (Part 2):
In Part 2 of our conversation with investor Umesh, we dive into the strategies that are working right now for building a profitable property portfolio—without chasing unrealistic returns or overcomplicating the process.
We also explore why more savvy investors are looking towards the Midlands as the next area of opportunity, and how he’s positioning his portfolio for sustainable growth.
We cover:
- Where Umesh is focusing his property investments in 2025
- Why the Midlands is offering some of the best returns and growth potential
- His approach to finding solid buy-to-let deals that actually cashflow
- How he finances and manages risk while scaling his portfolio
- The mindset needed to stay consistent and profitable in the current market
If you’re serious about growing your portfolio the smart way—this is the one to listen to.
👉 Interested in working with Umesh or learning more?
Visit www.moneyrowproperties.co.uk or call 01162 046949.