Expat Property Podcast

Weekly insights into the world of UK property investing as an Expat.

026: Big Deal Mindset: A Former Army Officer's Property Playbook 07/17/2025

026: Big Deal Mindset: A Former Army Officer's Property Playbook Hello and welcome to another episode of the Expat Property Podcast, a channel that brings you weekly episodes designed to offer valuable discussions on property investment strategies, challenges, and solutions tailored to the unique needs of expats investing in the UK property market. Today, I’m joined by someone I personally owe a lot to—Richie Miller. Richie’s journey is one of discipline, mindset, and action. A former Army officer who travelled the world in service, he made the bold move from military life to a career in property. And that switch didn’t come easy. In this episode, Richie shares the pivotal mindset shift that led him to leave the Army, the sacrifices he made to learn the ropes while holding down a full-time job, and how that decision has paid off, giving him the freedom to work less than 25 hours a week and even home-school his children. We get into the simple but powerful steps anyone can take to find great property deals, and how consistency is the real secret to success. Richie used these very steps to land a 48-bed HMO, and he breaks down how that came to be. We also dive into working with letting agents, building long-term relationships, and finding the right JV partners. Today, Richie runs a niche mentoring business helping experienced landlords, or those ready to buy big, scale with confidence. His philosophy? The workload’s the same whether it’s a 4-bed or 48-bed HMO, so you may as well go big. He’s a seriously experienced investor and a top mentor. Let’s get into it. This podcast is part of the wider ecosystem of support we've built within Expat Property People. Whether you're new to property investing or looking to expand your portfolio, this dynamic platform brings together expat investors, property service providers, and industry experts to create opportunities, share insights, and foster long-term success. We offer monthly networking meetings, mentoring services, connections with service providers, and opportunities for expats to grow wealth in a hands-off manner. Visit to learn more and don't forget to subscribe to the podcast and share it with like-minded people. Finally, connect with us on our social channels for more insights and updates: Instagram: @steve_cowgill @expatpropertypeople Facebook: Stephen.Cowgill1 /episode/index/show/f62611cd-0862-4f36-a956-850c5a57519b/id/37413015

025: The Utility Hack For Expats with HMOs & Service Accommodation 07/11/2025

025: The Utility Hack For Expats with HMOs & Service Accommodation Hello and welcome to another episode of the Expat Property Podcast, a channel that brings you weekly episodes designed to offer valuable discussions on property investment strategies, challenges, and solutions tailored to the unique needs of expats investing in the UK property market. In this episode, I’m joined by Adam West, founder of The Landlord Utility Group (TLUG). Adam’s journey started as an electrical apprentice before moving into sales in the utilities sector, a background that gave him a unique perspective when he began building his own property portfolio, including flips, buy-to-lets,but more importantly, HMOs, and serviced accommodation. Seeing firsthand the chaos that comes with managing utilities across multiple tenancies, Adam spotted a problem that needed solving, and TLUG was born. We dive into how he built and systemised the business to serve HMO and SA landlords, including expats, who need fast, reliable, and professional utility management. We also talk about the mindset needed to grow as an entrepreneur, from staying focused and learning to say no, to building a solid team, staying active and healthy, and knowing when to pivot. If you’re managing multiple properties or just want to hear how one investor turned a problem into a thriving business, this episode is packed with insight. This podcast is part of the wider ecosystem of support we've built within Expat Property People. Whether you're new to property investing or looking to expand your portfolio, this dynamic platform brings together expat investors, property service providers, and industry experts to create opportunities, share insights, and foster long-term success. We offer monthly networking meetings, mentoring services, connections with service providers, and opportunities for expats to grow wealth in a hands-off manner. Visit to learn more and don't forget to subscribe to the podcast and share it with like-minded people. Finally, connect with us on our social channels for more insights and updates: Instagram: @steve_cowgill @expatpropertypeople Facebook: Stephen.Cowgill1 @thelandlordutilitygroup /episode/index/show/f62611cd-0862-4f36-a956-850c5a57519b/id/37372090

024: Networking, Numbers, Next-Level Lettings 07/03/2025

024: Networking, Numbers, Next-Level Lettings Hello and welcome to another episode of the Expat Property Podcast, a channel that brings you weekly episodes designed to offer valuable discussions on property investment strategies, challenges, and solutions tailored to the unique needs of expats investing in the UK property market. In today’s episode, I’m joined by my good friend Lyndsay Yiull, a brilliant property investor and the driving force behind a thriving letting agency in Scotland. 🇬🇧✨ From her early career in the care sector to launching networking events and building an impressive portfolio of flips and buy-to-lets, Lyndsay’s journey is nothing short of inspiring. We dig into how landlords can attract quality tenants, systemise property management, and stay compliant without losing sleep. Her insights are smart, grounded, and incredibly practical—especially for expats managing from afar. We dive into mindset, data, systems, and the power of building community in the world of property. If you're ready to scale up and take your investing to the next level, this one’s a must-listen.This podcast is part of the wider ecosystem of support we've built within Expat Property People. Whether you're new to property investing or looking to expand your portfolio, this dynamic platform brings together expat investors, property service providers, and industry experts to create opportunities, share insights, and foster long-term success. We offer monthly networking meetings, mentoring services, connections with service providers, and opportunities for expats to grow wealth in a hands-off manner. Visit expatpropertypeople.com to learn more and don't forget to subscribe to the podcast and share it with like-minded people. Finally, connect with us on our social channels for more insights and updates: Instagram: @steve_cowgill @expatpropertypeople Facebook: Stephen.Cowgill1 /episode/index/show/f62611cd-0862-4f36-a956-850c5a57519b/id/37272070

023: Know Your Numbers, Not Your Neighbours 06/26/2025

023: Know Your Numbers, Not Your Neighbours Hello and welcome to another episode of the Expat Property Podcast, a channel that brings you weekly episodes designed to offer valuable discussions on property investment strategies, challenges, and solutions tailored to the unique needs of expats investing in the UK property market. In this episode, I’m re-sharing my interview on the Ultimate FD Podcast, with Josh Keegan, and for good reason. Over the next few months, I believe there’ll be more deals available than ever before. Landlords are leaving the market, housing stock is increasing, and yet the demand for housing continues to grow. But in this shifting landscape, knowing your numbers is what separates the good from the great. Whether you're trying to assess if a deal is actually profitable, or ensure your portfolio is still performing overtime, financial clarity is everything. Josh and I dive into my personal journey, from financial chaos to clarity, and how that transformation came when I stopped trying to do it all myself and brought in the right experts. We talk about building a proper finance function, the impact of monthly management accounts, and how this one change has improved not just my decision-making, but my long-term strategy. Whether you're looking to grow, sell, or simply take back control, this episode is packed with insight to help you level up. Hit play and let’s get into it. This podcast is part of the wider ecosystem of support we've built within Expat Property People. Whether you're new to property investing or looking to expand your portfolio, this dynamic platform brings together expat investors, property service providers, and industry experts to create opportunities, share insights, and foster long-term success. We offer monthly networking meetings, mentoring services, connections with service providers, and opportunities for expats to grow wealth in a hands-off manner. Visit to learn more and don't forget to subscribe to the podcast and share it with like-minded people. Finally, connect with us on our social channels for more insights and updates: Instagram: @steve_cowgill @expatpropertypeople Facebook: Stephen.Cowgill1 /episode/index/show/f62611cd-0862-4f36-a956-850c5a57519b/id/37161945

022: Balancing Boardrooms with Buy-to-Lets: Can You Really Do Both? 06/19/2025

022: Balancing Boardrooms with Buy-to-Lets: Can You Really Do Both? Hello and welcome to another episode of the Expat Property Podcast, a channel that brings you weekly episodes designed to offer valuable discussions on property investment strategies, challenges, and solutions tailored to the unique needs of expats investing in the UK property market. In today’s episode, I pull back the curtain on what it takes to manage a demanding career and build a property portfolio from overseas. We dive into: 🔹 How to make time for property, even when life’s busy 🔹 Why you don’t have to choose between career and investing 🔹 The “magic number” every expat investor should know 🔹 Why property remains a powerful tool for long-term freedom This one’s raw, relatable, and packed with tips from someone who’s walking the same path. If you’ve ever wondered how to make it all work, this is the episode to listen to. We dive into mindset, data, systems, and the power of building community in the world of property. If you're ready to scale up and take your investing to the next level, this one’s a must-listen.This podcast is part of the wider ecosystem of support we've built within Expat Property People. Whether you're new to property investing or looking to expand your portfolio, this dynamic platform brings together expat investors, property service providers, and industry experts to create opportunities, share insights, and foster long-term success. We offer monthly networking meetings, mentoring services, connections with service providers, and opportunities for expats to grow wealth in a hands-off manner. Visit to learn more and don't forget to subscribe to the podcast and share it with like-minded people. Finally, connect with us on our social channels for more insights and updates: Instagram: @steve_cowgill @expatpropertypeople Facebook: Stephen.Cowgill1 /episode/index/show/f62611cd-0862-4f36-a956-850c5a57519b/id/37026045

021: My Expat Hacks 06/12/2025

021: My Expat Hacks Hello and welcome to another episode of the Expat Property Podcast, a channel that brings you weekly episodes designed to offer valuable discussions on property investment strategies, challenges, and solutions tailored to the unique needs of expats investing in the UK property market. In today’s solo episode, I’m stepping behind the mic to share what it really takes to juggle full-time work, a UK property portfolio, and a growing global community of expat investors. We dive into: 🔹 The habits that keep me focused and productive 🔹 How I manage my time without burning out 🔹 The biggest lessons I’ve learned from building the Expat Property People platform 🔹 Practical strategies that you can use to stay calm, consistent, and in control This one’s real, honest, and packed with actionable insight for any expat navigating the property game while balancing a busy life. We dive into mindset, data, systems, and the power of building community in the world of property. If you're ready to scale up and take your investing to the next level, this one’s a must-listen.This podcast is part of the wider ecosystem of support we've built within Expat Property People. Whether you're new to property investing or looking to expand your portfolio, this dynamic platform brings together expat investors, property service providers, and industry experts to create opportunities, share insights, and foster long-term success. We offer monthly networking meetings, mentoring services, connections with service providers, and opportunities for expats to grow wealth in a hands-off manner. Visit to learn more and don't forget to subscribe to the podcast and share it with like-minded people. Finally, connect with us on our social channels for more insights and updates: Instagram: @steve_cowgill @expatpropertypeople Facebook: Stephen.Cowgill1 /episode/index/show/f62611cd-0862-4f36-a956-850c5a57519b/id/36971075

020: An Expat Investor's Secret Weapon 06/05/2025

019: Property, Passion and Beating Burnout 05/29/2025

018: Expat to Expat: Building Wealth Through Property 05/22/2025

017: Mortgage Advice Backed by Real Investment Experience 05/15/2025

016: Slow and Steady Wins The Race When Building a Buy to Let Portfolio 05/08/2025

016: Slow and Steady Wins The Race When Building a Buy to Let Portfolio Hello and welcome to another episode of the Expat Property Podcast, a channel that brings you weekly episodes designed to offer valuable discussions on property investment strategies, challenges, and solutions tailored to the unique needs of expats investing in the UK property market. In today's episode, I’m joined by Pat Harper, the man behind Total Property Group and one of the most trusted voices in the Liverpool property market. Pat’s approach is simple but powerful: quality over quantity, value over volume. He talks us through his tried-and-tested strategy of targeting 2-3 bed homes with long-term tenants—a method that’s earned him the confidence of overseas investors time and again. We dive into: 🔹 Why Liverpool continues to be a smart location for expat investors 🔹 The power of data-driven decision-making in property 🔹 How long-term tenants create stability and reduce risk 🔹 The importance of relationships and trust in building a hands-off portfolio 🔹 Common mistakes expats make when investing in unfamiliar markets If you're looking for a steady, hands-off way to build your UK property portfolio, this one’s a must-listen. This podcast is part of the wider ecosystem of support we've built within Expat Property People. Whether you're new to property investing or looking to expand your portfolio, this dynamic platform brings together expat investors, property service providers, and industry experts to create opportunities, share insights, and foster long-term success. We offer monthly networking meetings, mentoring services, connections with service providers, and opportunities for expats to grow wealth in a hands-off manner. If Pat’s approach resonates with you and you’re serious about building a low-risk, hands-free property portfolio in Liverpool, learn more here: Visit to learn more and don't forget to subscribe to the podcast and share it with like-minded people. Finally, connect with us on our social channels for more insights and updates: Instagram: @steve_cowgill @expatpropertypeople Facebook: Stephen.Cowgill1 /episode/index/show/f62611cd-0862-4f36-a956-850c5a57519b/id/36471650

015: Leveraging Proven Power Teams for Your Next HMO Project 05/02/2025

014: Why Commercial Property Investing can be easier than residential investing for Expats. 04/24/2025

014: Why Commercial Property Investing can be easier than residential investing for Expats. Hello and welcome to another episode of the Expat Property Podcast, a channel that brings you weekly episodes designed to offer valuable discussions on property investment strategies, challenges, and solutions tailored to the unique needs of expats investing in the UK property market. In today’s episode, I’m joined by Suzie Carter — a seasoned commercial property investor and trainer with an inspiring story. After a 30-year career as a chartered surveyor, Suzie made the bold move to leave the corporate world and build her own £5 million property portfolio — starting in residential and eventually moving into the commercial space. We bust the myth that commercial investing is too complex — especially for expats — and Suzie shares how she’s helping others break into the world of commercial property through smart strategies, strong relationships, and tenant know-how. She also lifts the lid on paper-based deals and where real value can be created. Suzie’s mantra is “keep on going” — and it’s that mindset that’s helped her, and now her students, unlock real success. This podcast is part of the wider ecosystem of support we've built within Expat Property People. Whether you're new to property investing or looking to expand your portfolio, this dynamic platform brings together expat investors, property service providers, and industry experts to create opportunities, share insights, and foster long-term success. We offer monthly networking meetings, mentoring services, connections with service providers, and opportunities for expats to grow wealth in a hands-off manner. Visit to learn more and don't forget to subscribe to the podcast and share it with like-minded people. Finally, connect with us on our social channels for more insights and updates: Instagram: @steve_cowgill @expatpropertypeople Facebook: Stephen.Cowgill1 Social Media Acct: /episode/index/show/f62611cd-0862-4f36-a956-850c5a57519b/id/35935480

013: How a cold night in Portsmouth led to an expat lifestyle and the start of a property investing journey. 04/17/2025

013: How a cold night in Portsmouth led to an expat lifestyle and the start of a property investing journey. Hello and welcome to another episode of the Expat Property Podcast, a channel that brings you weekly episodes designed to offer valuable discussions on property investment strategies, challenges, and solutions tailored to the unique needs of expats investing in the UK property market. Today’s episode is a real treat. I’m joined by relatively new expat investor — and corporate colleague — Jason Dowling. He shares the moment everything changed for him: a cold, dark evening that sparked his move abroad and, eventually, into the world of property. We talk about the limiting belief that held him back for years, and how being around likeminded people showed him what was truly possible. Jason opens up about the discipline it takes to balance a demanding corporate role with building a property business — and how outsourcing and focusing on high-value tasks have helped him deliver at work while making serious progress in property. We also tackle procrastination, and the importance of having the support of those closest to you when starting your investing journey. Jason’s come a long way in a short time — proof that expats can succeed in property, with the right mindset, the right people, and a clear plan. This podcast is part of the wider ecosystem of support we've built within Expat Property People. Whether you're new to property investing or looking to expand your portfolio, this dynamic platform brings together expat investors, property service providers, and industry experts to create opportunities, share insights, and foster long-term success. We offer monthly networking meetings, mentoring services, connections with service providers, and opportunities for expats to grow wealth in a hands-off manner. Visit to learn more and don't forget to subscribe to the podcast and share it with like-minded people. Finally, connect with us on our social channels for more insights and updates: Instagram: @steve_cowgill @expatpropertypeople Facebook: Stephen.Cowgill1 Join the world's only online community dedicated to expat property investing, visit Facebook and Instagram /episode/index/show/f62611cd-0862-4f36-a956-850c5a57519b/id/35935445

012: Why Strategy is more important than Interest Rates. 04/10/2025

012: Why Strategy is more important than Interest Rates. Hello and welcome to another episode of the Expat Property Podcast, a channel that brings you weekly episodes designed to offer valuable discussions on property investment strategies, challenges, and solutions tailored to the unique needs of expats investing in the UK property market. Too many expat investors make mortgage decisions based solely on interest rates. But what if the real savings—and success—come from aligning your mortgage with your investment strategy? In this episode, I’m joined by Rob Peters, a former financial advisor turned mortgage expert and property investor. Together, we dive into why choosing the right mortgage is about more than just getting the lowest rate. We discuss: • Why lenders ask for extra documents from expats and how to prepare • How to reduce the stress of securing finance from overseas • The crucial role your mortgage advisor can play in connecting your solicitor, agent, and wider team Rob also opens up about his own investing experience and shares practical tips for getting mortgage-ready. This episode is packed with insights that go beyond interest rates—and highlights why your mortgage advisor should be a key player in your investment team. This podcast is part of the wider ecosystem of support we've built within Expat Property People. Whether you're new to property investing or looking to expand your portfolio, this dynamic platform brings together expat investors, property service providers, and industry experts to create opportunities, share insights, and foster long-term success. We offer monthly networking meetings, mentoring services, connections with service providers, and opportunities for expats to grow wealth in a hands-off manner. Join the world's only online community dedicated to expat property investing, visit Social links: IG @simplefastmortgages Facebook: /episode/index/show/f62611cd-0862-4f36-a956-850c5a57519b/id/35935405