Rob discusses the recent decision by the Bank of England to reduce the base interest rate from 5% to 4.75%, a move that was widely anticipated. He delves into the implications of this rate cut, particularly in light of the government's recent budget, which is expected to stimulate inflation, arguing against the rate reduction, citing historical patterns of inflation and the potential for rising prices due to increased government spending and flawed energy policies. 

KEY TAKEAWAYS

• The Bank of England has reduced the base rate from 5% to 4.75%, a 25 basis point cut, which was widely anticipated.
• Despite the rate cut, the Bank of England warns that interest rates may take longer to fall due to rising inflation, influenced by recent government budget decisions.
• The budget is expected to stimulate economic growth but also includes tax increases and measures that could lead to higher prices, contributing to inflation.
• Energy prices are a significant factor in inflation, and the current energy policy is viewed as flawed, which may exacerbate inflationary pressures.
• The Monetary Policy Committee voted 8 to 1 in favor of the rate cut, with one member advocating for rates to remain unchanged due to concerns about inflation stemming from the budget.

BEST MOMENTS

"The Bank of England has reduced the base rate from 5% down to 4.75%. This was widely expected, but what's most interesting are the comments that accompanied the interest rate decision."

"My argument on this podcast has been that the Bank of England shouldn't be reducing rates anyway, because inflation has three waves."

"Although we supposedly had a 22 billion pound black hole, the government have decided to stimulate growth through spending, and with that comes a big bunch of tax increases."

"The inflation measure apparently did fall below the bank's 2% target, but that was always expected to rise again."

"I don't think that rates should be going down at all. They should be going in the other direction because what will happen is that rates will continue to go down and exacerbate inflation."

VALUABLE RESOURCES

GET YOUR PROPERTY DEVELOPMENT FINANCE HERE:

https://propertyfundingplatform.com/WharfFinancial#!/borrowerinitialregistration

SOCIAL MEDIA/CONTACT US

https://linktr.ee/thepropertynomadspodcast

BOOKS 

Property FAQs = https://amzn.to/3MWfcL4  

Buy To Let: How To Get Started = https://amzn.to/3genjle  

101 Top Property Tips = https://amzn.to/2NxuAQL  

uk property, Investment, Property, Rent, Buy to let, Investing for beginners, Money, Tax, Renting, Landlords, strategies, invest, housing, properties, portfolio, estate agents, lettings, letting, business: https://patreon.com/tpnpodcast

Rob discusses the current economic challenges facing the UK, particularly the alarming national debt that has surpassed £3 trillion, exceeding the country's national income. He examines the implications of this financial situation, including the potential for inflation and the importance of being proactive in managing personal finances, and offers practical advice on safeguarding assets, such as acquiring physical gold and silver as inflation hedges

KEY TAKEAWAYS

• The UK's national debt is projected to exceed £3 trillion, surpassing 100% of national income, which poses significant economic challenges and could lead to inflation and devaluation of the currency.
• Inflation increases the price of goods and services, effectively reducing the purchasing power of currency. It's crucial to recognise how inflation can impact financial stability.
• Acquiring physical gold and silver is recommended as a hedge against inflation and economic instability. These metals maintain purchasing power over time and carry no counterparty risk.
• Having a knowledgeable team, including tax accountants and financial advisors, is essential for navigating property investments and maximising tax efficiency, especially in a challenging economic environment.
• Considering temporary or permanent residency in other countries can provide a safety net and potential tax benefits. It's advisable to have a plan B in case of worsening conditions in the UK.

BEST MOMENTS

"Britain's got a bit of an issue at the moment and that's in terms of its debt... the debt of Great Britain is likely to exceed £3 trillion."

"Inflation is the stealthiest tax of them all... it means that the cost of that good or service has gone up by 5%."

"If you own the physical gold yourself... there's no counterparty risk. A government cannot print physical gold."

"If you think there's a lot of economic stupidity coming down the line... then looking at gold might be a very good idea for you."

"If you don't have a temporary residency in a different country... then do look at obtaining that and be quick about that if you can."

VALUABLE RESOURCES

GET YOUR PROPERTY DEVELOPMENT FINANCE HERE:

https://propertyfundingplatform.com/WharfFinancial#!/borrowerinitialregistration

SOCIAL MEDIA/CONTACT US

https://linktr.ee/thepropertynomadspodcast

BOOKS 

Property FAQs = https://amzn.to/3MWfcL4  

Buy To Let: How To Get Started = https://amzn.to/3genjle  

101 Top Property Tips = https://amzn.to/2NxuAQL  

uk property, Investment, Property, Rent, Buy to let, Investing for beginners, Money, Tax, Renting, Landlords, strategies, invest, housing, properties, portfolio, estate agents, lettings, letting, business: https://patreon.com/tpnpodcast

Rob delves into the recent changes to Stamp Duty in England and Northern Ireland, providing a comprehensive overview of the new rates and their implications for both first-time buyers and property investors.

He highlights the current rates effective until March 31, 2025, and outlines the upcoming changes set to take effect on April 1, 2025, as well as the potential impact of these changes on the property market, including the possibility of reduced investment in rental properties and the resulting effects on supply and demand. 

KEY TAKEAWAYS

• The current Stamp Duty rates for residential properties in England and Northern Ireland will remain in place until March 31, 2025. After this date, the thresholds and rates will change, with the zero rate for main residences decreasing from £250,000 to £125,000.
• First-time buyers may benefit from reduced competition in the market due to higher costs for investors, potentially making it easier for them to enter the property market.
• The additional Stamp Duty rate for investment properties will rise from 3% to 5%, which may deter some investors from purchasing rental properties, leading to a potential decrease in the supply of rental homes.
• The changes in Stamp Duty could lead to a rush of transactions before the new rates take effect, followed by a possible drop in demand and transactions after April 1, 2025, particularly in regions with higher property values.
• Those in the process of purchasing a property should confirm their Stamp Duty obligations with their solicitors, especially if they have exchanged contracts but have not yet completed the purchase, as they may still be bound by the pre-budget rules.

BEST MOMENTS

"The purchase price when it's up to 250,000 or 425,000 for first time buyers, then the stamp duty rate is effectively zero."

"If more people were sitting on the fence about I could go and buy some property or I might not, then they might look at these increased transaction costs."

"What could the impact of that be? Well, people purchasing properties above 125,000 will face higher stamp duty land tax liabilities."

"The threshold for first time buyers and stamp duty is decreasing... this could lead to reduced investment in rental properties."

VALUABLE RESOURCES

GET YOUR PROPERTY DEVELOPMENT FINANCE HERE:

https://propertyfundingplatform.com/WharfFinancial#!/borrowerinitialregistration

SOCIAL MEDIA/CONTACT US

https://linktr.ee/thepropertynomadspodcast

BOOKS 

Property FAQs = https://amzn.to/3MWfcL4  

Buy To Let: How To Get Started = https://amzn.to/3genjle  

101 Top Property Tips = https://amzn.to/2NxuAQL  

uk property, Investment, Property, Rent, Buy to let, Investing for beginners, Money, Tax, Renting, Landlords, strategies, invest, housing, properties, portfolio, estate agents, lettings, letting, business: https://patreon.com/tpnpodcast

Rob talks about the recent proposal by Leeds City Council to implement the highest licensing fee for landlords in the UK, set at £1,225, which represents a 45% increase from the current rate, raising concerns about selective licensing schemes, arguing that these initiatives are primarily cash-generating measures rather than genuine efforts to improve housing standards. 

KEY TAKEAWAYS

• Leeds City Council has proposed raising the licensing fee for landlords to £1,225, marking a 45% increase from the current fee, which is the highest in the UK.
• The increase in licensing fees is likely to be passed on to tenants through higher rents, potentially leading to an inflationary spiral that negatively affects those the licensing is intended to protect.
• Councils often justify selective licensing by claiming it aims to improve housing standards and protect tenants, but there are doubts about its effectiveness, especially in areas with poor housing conditions.
• The implementation of selective licensing schemes incurs additional administrative costs for councils, which may further complicate the financial burden on landlords and, consequently, tenants.

BEST MOMENTS

"Leeds City Council has proposed charging the highest fee in the country... £1,225 to have a license to operate a buy-to-let property."

"The very thing that selective licensing schemes are trying to protect... the tenants are going to become the most worse off out of this because the fees will get passed on to them."

"It's not necessarily the implementation of the licensing. It's almost the lying about it and saying, well, this is what it's for, when really it's got nothing to do with that."

"The revenue from the scheme is to allow the local authorities to increase enforcement and improve standards... raising doubts about the direct impact of licensing on housing standards."

VALUABLE RESOURCES 

GET YOUR PROPERTY DEVELOPMENT FINANCE HERE:

https://propertyfundingplatform.com/WharfFinancial#!/borrowerinitialregistration

SOCIAL MEDIA/CONTACT US

https://linktr.ee/thepropertynomadspodcast

BOOKS 

Property FAQs = https://amzn.to/3MWfcL4  

Buy To Let: How To Get Started = https://amzn.to/3genjle  

101 Top Property Tips = https://amzn.to/2NxuAQL  

uk property, Investment, Property, Rent, Buy to let, Investing for beginners, Money, Tax, Renting, Landlords, strategies, invest, housing, properties, portfolio, estate agents, lettings, letting, business: https://patreon.com/tpnpodcast

Rob discusses various grants and loans available for eco upgrades aimed at improving energy efficiency in homes. He highlights the Warm Homes Plan, which offers financial support for low-income homeowners and private tenants to enhance their properties' energy performance ratings, as well as the Boiler Upgrade Scheme that provides grants for replacing older boilers with greener alternatives. Additionally, the Great British Insulation Scheme (GBIS) is introduced, targeting homes with low energy performance ratings. 

KEY TAKEAWAYS

• There are various grants and loans available for eco upgrades, including the Warm Homes Plan, which offers up to £15,000 for energy performance improvements for eligible homeowners and tenants.
• While homeowners and tenants can access funding without any financial contribution, landlords are required to pay 50% of the costs for upgrades beyond the first one covered by the scheme.
• This scheme provides grants of up to £7,500 for replacing older boilers with more modern heat pumps, although there is skepticism about the environmental benefits of heat pumps.
• Aimed at properties with low energy performance ratings (D or below), this scheme offers various home insulation options for eligible households in specific council tax bands.

BEST MOMENTS

"There has been another £3.4 billion earmarked as a result of the budget."

"Each eligible home can access £15,000 for energy performance improvements and potentially an additional £15,000 to install low carbon heating."

"If we're looking to really, really improve everything, then it should just be a blanket case."

"The boiler upgrade scheme provides grants worth up to £7,500 towards replacing older boilers with more modern and supposedly greener heat pumps."

"Anything in life, if it's overly difficult or unnecessarily complicated, then it puts a lot of people off."

VALUABLE RESOURCES

https://www.gov.uk/apply-great-british-insulation-scheme

https://www.msn.com/en-gb/money/other/thousands-of-uk-households-could-get-400-a-year-to-cut-energy-bills/ar-AA1tc1KZ?ocid=winp2fptaskbar&cvid=47ad2328aef04a09ba831f1fdf63fb0c&ei=18

https://www.msn.com/en-gb/money/other/free-heat-pumps-and-insulation-upgrades-worth-up-to-30k-each-as-budget-pledges-3-4bn-to-improve-homes/ar-AA1tdnlM?ocid=winp2fptaskbar&cvid=2c9dc3dddb5543caacae3dbfd89919f8&ei=10

GET YOUR PROPERTY DEVELOPMENT FINANCE HERE:

https://propertyfundingplatform.com/WharfFinancial#!/borrowerinitialregistration

SOCIAL MEDIA/CONTACT US

https://linktr.ee/thepropertynomadspodcast

BOOKS 

Property FAQs = https://amzn.to/3MWfcL4  

Buy To Let: How To Get Started = https://amzn.to/3genjle  

101 Top Property Tips = https://amzn.to/2NxuAQL  

uk property, Investment, Property, Rent, Buy to let, Investing for beginners, Money, Tax, Renting, Landlords, strategies, invest, housing, properties, portfolio, estate agents, lettings, letting, business: https://patreon.com/tpnpodcast

Rob discusses the recent budget announcement and its implications for business taxes and the housing market. Key highlights include an increase in national insurance contributions for firms, a rise in the stamp duty surcharge on second home purchases from 3% to 5%, and a boost to the affordable homes budget by £500 million. Rob examines the potential impact of these changes on landlords and property investors, particularly regarding their willingness to purchase additional properties. 

KEY TAKEAWAYS

• National insurance contributions for firms will rise, with the earnings threshold decreasing from £9,100 to £5,000 and the rate increasing from 13.8% to 15% starting April 2025.
• The stamp duty surcharge on second home purchases in England and Northern Ireland will increase from 3% to 5%, effective October 31st. This change may impact landlords' willingness to buy additional properties.
• The current affordable homes budget, which runs until 2026, will receive an additional £500 million, although there are concerns about whether this is an effective solution to the housing supply issue.
• Social housing providers will be permitted to raise rents above inflation under a multi-year settlement, indicating a shift towards allowing market forces to dictate pricing.
• Analysts suggest that the increase in stamp duty could lead to a decrease in the supply of rental properties, potentially resulting in higher rents for tenants in the remaining homes.

BEST MOMENTS

"Firms are to pay national insurance on workers' earnings above 5,000 pounds from April 2025... with the rate also increasing from 13.8% to 15%."

"The stamp duty surcharge... is to go up from 3% to 5%. By the time you listen to this podcast, that increase has already been put into effect."

"Analysts say this could affect landlords' willingness to buy more properties. If the supply of rental properties is squeezed, that could mean rents rise for tenants in the remaining homes."

"The current affordable homes budget... has been boosted by 500 million pounds. Time will tell if that’s the best thing to do."

"It is just a numbers game. It's not a death knell. It's not all doom and gloom. It just creates more opportunities."

VALUABLE RESOURCES

https://www.bbc.co.uk/news/articles/cx25w7qpr0yo

https://www.bbc.co.uk/news/articles/cdxl1zd07l1o

https://www.gov.uk/government/news/chancellor-to-unlock-housing-in-first-budget

GET YOUR PROPERTY DEVELOPMENT FINANCE HERE:

https://propertyfundingplatform.com/WharfFinancial#!/borrowerinitialregistration

SOCIAL MEDIA/CONTACT US

https://linktr.ee/thepropertynomadspodcast

BOOKS 

Property FAQs = https://amzn.to/3MWfcL4  

Buy To Let: How To Get Started = https://amzn.to/3genjle  

101 Top Property Tips = https://amzn.to/2NxuAQL  

uk property, Investment, Property, Rent, Buy to let, Investing for beginners, Money, Tax, Renting, Landlords, strategies, invest, housing, properties, portfolio, estate agents, lettings, letting, business: https://patreon.com/tpnpodcast

Rob discusses the potential benefits of green retrofitting for landlords, as highlighted in a recent article from the Evening Standard, highlighting findings from a survey by Mortgage Works, revealing that energy-efficient properties can command significant price premiums and rental boosts. However, Rob raises concerns about the lack of comprehensive data and the cost-benefit analysis of improving Energy Performance Certificate (EPC) ratings, arguing that while moving from a D to a C rating may be straightforward and cost-effective, achieving higher ratings like A or B can be challenging and expensive, often negating the financial benefits. 

KEY TAKEAWAYS

• Improving the energy efficiency of buy-to-let properties can potentially increase property values and rental yields, with properties rated A or B attracting a price premium of approximately 10.9% compared to D-rated properties.
• The article discussed does not adequately address the cost-benefit analysis for landlords considering improvements to EPC ratings. For instance, the cost to upgrade from a D to a C rating may equal the premium gained from the sale.
• Achieving an A or B rating in older properties is challenging and often requires significant investment in improvements such as insulation and solar panels, which may not be feasible for all landlords.
• Many landlords may not have the financial resources to make extensive improvements, and the assumption that all landlords have substantial cash reserves is misleading.

BEST MOMENTS

"According to the Evening Standard, green retrofitting can improve property values and rental yields for landlords."

"If you have a more energy efficient buy-to-let property, i.e. with a rating of A or B, then this could attract a price premium of 10.9%."

"I would argue that getting up to a C rating is probably quite straightforward and probably quite cost-effective."

"To me, the economics just do not make sense whatsoever."

VALUABLE RESOURCES

https://www.msn.com/en-gb/money/homeandproperty/green-retrofitting-can-improve-property-values-and-rental-yields-for-landlords/ar-AA1sqs7n?ocid=winp2fptaskbar&cvid=ee15db42cd934b45dd5087238ec4c5bc&ei=15

GET YOUR PROPERTY DEVELOPMENT FINANCE HERE:

https://propertyfundingplatform.com/WharfFinancial#!/borrowerinitialregistration

SOCIAL MEDIA/CONTACT US

https://linktr.ee/thepropertynomadspodcast

BOOKS 

Property FAQs = https://amzn.to/3MWfcL4  

Buy To Let: How To Get Started = https://amzn.to/3genjle  

101 Top Property Tips = https://amzn.to/2NxuAQL  

uk property, Investment, Property, Rent, Buy to let, Investing for beginners, Money, Tax, Renting, Landlords, strategies, invest, housing, properties, portfolio, estate agents, lettings, letting, business: https://patreon.com/tpnpodcast

Rob delves into the ongoing housing crisis in England, highlighting a significant shortfall in social housing availability. Drawing from a BBC article, the discussion reveals that over 1 million families are on waiting lists for social homes, while only a fraction of the required new builds are being completed each year. Rob explores the complexities of the housing market, including the challenges faced by housing associations, rising interest rates, and the impact of inflation on construction costs. 

KEY TAKEAWAYS

• There is a significant housing crisis in England, with over 1 million families and individuals on the waiting list for social homes. The demand for housing far exceeds the current supply, affecting both social and private rented housing.
• Experts estimate that 90,000 social homes need to be built annually for the next decade, yet only about 5,000 were completed in the past year. This shortfall is contributing to the ongoing crisis.
• Housing associations, which are crucial for providing social housing, are facing financial difficulties. They have less cash available to purchase new properties due to rising costs and limited rental income, which is often capped by government regulations.
• Rising interest rates and increased costs for materials and labor are making it more challenging for developers to undertake new housing projects. The base interest rate has risen significantly, affecting mortgage rates and overall project viability.

BEST MOMENTS

"England has a housing crisis... the demand for housing in this country is substantially higher than supply."

"Experts believe that 90,000 social homes need to be built every year for a decade in order to house everyone, but supposedly reported that less than 5,000 were completed in the past year."

"Housing associations are making less money and renting out social homes too."

"If the numbers of the development don't work, or the numbers of the deal do not work in general, then don't do the deal."

VALUABLE RESOURCES

https://www.bbc.co.uk/news/articles/czegynwy938o

GET YOUR PROPERTY DEVELOPMENT FINANCE HERE:

https://propertyfundingplatform.com/WharfFinancial#!/borrowerinitialregistration

SOCIAL MEDIA/CONTACT US

https://linktr.ee/thepropertynomadspodcast

BOOKS 

Property FAQs = https://amzn.to/3MWfcL4  

Buy To Let: How To Get Started = https://amzn.to/3genjle  

101 Top Property Tips = https://amzn.to/2NxuAQL  

uk property, Investment, Property, Rent, Buy to let, Investing for beginners, Money, Tax, Renting, Landlords, strategies, invest, housing, properties, portfolio, estate agents, lettings, letting, business: https://patreon.com/tpnpodcast

Rob discusses the complexities of energy policy in the UK and its direct impact on property bills. Following a critique of previous episodes that discussed simplistic energy-saving tips and renewable energy ideas, the discussion focuses on the pressing need for more baseload energy sources, particularly nuclear power, to stabilise energy prices. Rob outlines the factors contributing to the rising standing charges on energy bills, including grid maintenance, meter installation costs, investments in renewable energy, and government programs for vulnerable households. 

KEY TAKEAWAYS

• The current energy policy in the UK is flawed, lacking in energy security and relying heavily on unreliable renewable sources like wind and solar, which do not provide baseload energy.
• Baseload energy sources such as oil, gas, coal, and nuclear are essential for maintaining stable energy prices. The push towards net-zero without adequate baseload energy solutions is problematic.
• The standing charge on energy bills is composed of four main factors: grid maintenance, the cost of installing meters, investments in renewable energy sources, and government programs aimed at helping vulnerable households.
• Investments in renewable energy projects, while appearing beneficial, ultimately contribute to rising standing charges and energy costs for consumers, as these costs are passed down through energy bills.

BEST MOMENTS

"Our energy policy in the UK is screwed up. That's plain and simple. We don't have very good energy security."

"Nuclear is the answer. Nuclear will produce a hell of a lot of electricity."

"Wind and solar do have a small place on the table, but they are not baseload energy. They are fluctuating energies."

"The standing charge is calculated with a funky old calculation, but it covers a multitude of expenses."

"Scrapping the standing charges would be the best thing moving forward. That would save people a hell of a lot of cash."

VALUABLE RESOURCES

GET YOUR PROPERTY DEVELOPMENT FINANCE HERE:

https://propertyfundingplatform.com/WharfFinancial#!/borrowerinitialregistration

SOCIAL MEDIA/CONTACT US

https://linktr.ee/thepropertynomadspodcast

BOOKS 

Property FAQs = https://amzn.to/3MWfcL4  

Buy To Let: How To Get Started = https://amzn.to/3genjle  

101 Top Property Tips = https://amzn.to/2NxuAQL  

uk property, Investment, Property, Rent, Buy to let, Investing for beginners, Money, Tax, Renting, Landlords, strategies, invest, housing, properties, portfolio, estate agents, lettings, letting, business: https://patreon.com/tpnpodcast

Rob looks at eight renewable energy ideas for homes, while critically examining the practicality of each suggestion. Drawing from an article by The Eco Expert, he highlights the disconnect between eco-friendly initiatives and the realities faced by homeowners, particularly in urban settings. 

KEY TAKEAWAYS

• Many renewable energy ideas, such as solar panels and heat pumps, may not be practical for the majority of homeowners, especially those living in urban or terraced houses without suitable roof space or insulation.
• The installation costs of renewable energy systems can be significant, and not everyone has the financial means readily available to invest in these technologies.
• Technologies like domestic wind turbines and biomass heating systems may only be feasible in rural areas or for those with specific property types, making them unsuitable for most urban residents.
• There is a concern that eco companies may promote renewable energy solutions that are not universally applicable, potentially driven by government subsidies rather than genuine practicality for the average homeowner.

BEST MOMENTS

"The information that they're pushing out, and then the reality of this, or the reality of the implementation, are two different things."

"If you don't have the right roof or pointing in the right direction, it can be quite difficult and not everyone is going to have X amount of pounds just sat in the bank."

"If your other insulation measures aren't up to scratch, i.e. you live in an old home, it's got solid walls, there's no insulation on them, then you are very likely not going to benefit from having a heat pump."

"You try installing a domestic wind turbine in a set of mid-terrace properties. I imagine that is not going to help at all."

VALUABLE RESOURCES

https://www.msn.com/en-gb/money/other/eight-renewable-energy-ideas-for-your-home/ar-BB1oOBuE?ocid=winp2fptaskbar&cvid=c51c6a96d97340d8fdaa5151ee86eaec&ei=11

GET YOUR PROPERTY DEVELOPMENT FINANCE HERE:

https://propertyfundingplatform.com/WharfFinancial#!/borrowerinitialregistration

SOCIAL MEDIA/CONTACT US

https://linktr.ee/thepropertynomadspodcast

BOOKS 

Property FAQs = https://amzn.to/3MWfcL4  

Buy To Let: How To Get Started = https://amzn.to/3genjle  

101 Top Property Tips = https://amzn.to/2NxuAQL  

uk property, Investment, Property, Rent, Buy to let, Investing for beginners, Money, Tax, Renting, Landlords, strategies, invest, housing, properties, portfolio, estate agents, lettings, letting, business: https://patreon.com/tpnpodcast

Rob explores six supposedly simple ways to cut energy bills, drawing insights from a Daily Express article. He offers practical tips for homeowners and landlords alike, such as heating only the rooms in use, using tin foil on radiators to enhance efficiency, and improving insulation through draft proofing. 

KEY TAKEAWAYS

• Focus on heating only the rooms that are actively being used. Adjusting the thermostat down by one degree can also contribute to energy savings.
• Placing tin foil behind radiators can help reflect heat back into the room, improving radiator efficiency and making it a simple and effective solution.
• Enhancing insulation through draft proofing windows and doors, as well as considering loft insulation, can significantly reduce heat loss and energy bills.
• Regularly turning off appliances at the wall instead of leaving them on standby can help lower energy consumption, although the impact may be minimal compared to rising energy prices.
• While using eco-settings on appliances may seem beneficial, they may not always yield the best results. Additionally, switching to renewable energy sources like solar may not be financially viable or practical for everyone, despite being presented as a simple solution.

BEST MOMENTS

"If your tenants then don't know how to potentially save a bit of cash on the bills, that might put them in a situation where, you know, do they either pay the heating or pay the rent?"

"I don't like the suggestion. I don't think this works for everyone because there are some times where a 30 degree wash just doesn't cut it."

"Turning off standby is a very simple thing to do to turn off standby. Highly recommend you do it."

"Switching to renewables can be done, but it's not necessarily for everyone. It might not be financially viable."

VALUABLE RESOURCES

https://www.msn.com/en-gb/money/other/six-simple-ways-to-cut-down-your-heating-bill-in-october-by-an-energy-expert/ar-AA1ruNFt?ocid=winp2fptaskbar&cvid=09c076f20c204264e472f87800a78a95&ei=9

GET YOUR PROPERTY DEVELOPMENT FINANCE HERE:

https://propertyfundingplatform.com/WharfFinancial#!/borrowerinitialregistration

SOCIAL MEDIA/CONTACT US

https://linktr.ee/thepropertynomadspodcast

BOOKS 

Property FAQs = https://amzn.to/3MWfcL4  

Buy To Let: How To Get Started = https://amzn.to/3genjle  

101 Top Property Tips = https://amzn.to/2NxuAQL  

uk property, Investment, Property, Rent, Buy to let, Investing for beginners, Money, Tax, Renting, Landlords, strategies, invest, housing, properties, portfolio, estate agents, lettings, letting, business: https://patreon.com/tpnpodcast