In this episode, Steven and Nick sit down with mortgage expert Jonathan Williams to discuss the latest developments in the Scottish property market. From mortgage interest rates and inflation to rental trends and landlord strategies, Jonathan shares valuable insights on what’s happening right now and what investors should expect in 2024.

• Mortgage Market & Interest Rates:

  • Where are interest rates heading in 2024?
  • How inflation is affecting lending and affordability.
  • What landlords need to know about remortgaging this year.

• Property Investment & Landlord Trends:

  • Why some landlords are exiting while others are scaling up.
  • How rental prices are adjusting after years of rapid increases.
  • The impact of government regulations and tax changes on the buy-to-let market.

• Portfolio Strategy & Financing Tips:

  • How to structure your portfolio to remain profitable.
  • Common mistakes landlords make when refinancing.
  • Why keeping an eye on swap rates is crucial for predicting mortgage trends.

Jonathan Williams provides a clear and practical breakdown of what’s happening in the market right now. Whether you’re an investor, landlord, or first-time buyer, this episode will help you stay informed and make the right financial decisions.

Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝 Visit one of our monthly networking meet-ups. We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️ Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

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📩 Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode of the Scottish Property Podcast, Steven and Nick sit down with Rory Boyd, a driven property investor who has successfully scaled a 12-property portfolio while balancing a demanding career in the motor industry and family life. Rory shares his journey from buying his first property to setting ambitious goals for 2025, offering practical advice and insights into building a sustainable property business.

Episode Highlights:

• Getting Started in Property:

  • How Rory transitioned from car sales to property investing.
  • Leveraging sourcing agents to secure his first few deals.

• Scaling the Portfolio:

  • Managing 12 properties and aiming for 25 by the end of 2025.
  • The role of refinancing and cash flow in scaling efficiently.

• Lessons Learned Along the Way:

  • Why Rory moved from outsourcing refurbishments to managing them directly.
  • The importance of building relationships with agents, tradespeople, and the property community.

• Balancing Property and Career:

  • Strategies for managing time between a full-time job, family, and property investing.
  • How networking events have played a key role in Rory’s success.

Rory Boyd’s story is proof that with determination, strategic planning, and hard work, you can build a thriving property portfolio while juggling a career and family. Tune in for inspiration and practical advice to help you on your property journey.

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Prime Property Auctions – Sell your property with no upfront costs and control the reserve price.

Prime Property Auction: www.instagram.com/primepropertyauctions/

John: www.instagram.com/john_property_auctioneer/

Luis: www.instagram.com/luis_property_auctioneer/ Visit Prime Property Auction website: https://primepropertyauctions.co.uk/

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Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝 Visit one of our monthly networking meet-ups. We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️ Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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📩 Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode, we welcome Kyle Black, a young and driven property entrepreneur who has built an impressive portfolio and business empire at just 27 years old. From his humble beginnings as a greenkeeper to navigating the property world with no prior experience, Kyle shares his journey of hard work, education, and embracing social media to scale his ventures.

Key Topics Covered:

• Kyle's Early Journey: From Renfrew to property success and the pivotal moments that shaped his career.
• Overcoming Challenges: Why Kyle decided to leave his apprenticeship and step into the world of property.
• The Power of Education: How investing in property training courses provided Kyle with the foundational knowledge and network to get started.
• Using Social Media to Build Trust: Kyle explains how authentic social media engagement helped him secure deals and investors.
• Scaling with Strategy: Insights into Kyle’s decision to focus on portfolios rather than single units and how he maximised efficiency.
• Partnerships and Networking: The importance of building solid business relationships and finding the right people to collaborate with.
• Lessons Learned: Transparency, consistency, and how focusing on long-term client relationships can transform a property business.

Kyle Black’s journey is a testament to the power of resilience, education, and leveraging modern tools like social media to stand out in a competitive market. Whether you’re just starting out in property or looking for ways to scale, this episode is packed with actionable insights and inspiration.

Follow Kyle Black on Instagram and TikTok.

----------------------------------------------------------

Prime Property Auctions – Sell your property with no upfront costs and control the reserve price.

Prime Property Auction: www.instagram.com/primepropertyauctions/

John: www.instagram.com/john_property_auctioneer/

Luis: www.instagram.com/luis_property_auctioneer/ Visit Prime Property Auction website: https://primepropertyauctions.co.uk/

------------------------------------

Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast

**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

🤝 Visit one of our monthly networking meet-ups. We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️ Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📩 Email us:

Steven@steven-clark.com

Nick@arcproperty.uk