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The Return: Property & Investment Podcast

The Return: Property & Investment Podcast

By Anna Clare Harper
The Return: Property & Investment Podcast shares insights, information and ideas on UK real estate and investing to enable investors to spot opportunities, invest more confidently in a complex market, and enjoy investing more. Hosted by Anna Clare Harper, Property Investment Strategist, Co-Founder of Anglo Residential and Author of Strategic Property Investing. Listener reviews include: 'The best property podcast out there - ★★★★★' - Oliver 'Great...I can't stop listening - ★★★★★' - Nicola 'Compelling, insightful and easy to listen to - ★★★★★' - Ben
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The Age of Anomoly: financial crises, and investing in property, crypto and gold with best-selling author, YouTuber and Economist Andrei Polgar

The Return: Property & Investment Podcast

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Stepping Up... FTI Consulting and Anna Clare Harper
I had the pleasure of chatting to FTI Consulting’s Rob Mindell and Giles Barrie about the property market and having a social conscience in real estate for their podcast on starting up, scaling up and stepping up. Strange for me being on the other side of the interview for a change, but great fun and they asked excellent questions, so here it is! Resources:  https://www.fticonsulting.com/emea https://audioboom.com/channels/5054612 https://annaclareharper.com https://www.linkedin.com/in/annaclareharper/ https://spi.capital
19:44
November 25, 2021
Fear and Greed with Damien Fogg, CIO at residential consultancy SPI Capital, and Anna Clare Harper
Fear and greed drive prices across asset classes - from crypto to housing. So how are these primal emotions affecting UK property prices? In the latest podcast we covered topics such as: How fear and greed at scale drive average property prices Price vs value in an emotionally-driven market How basic emotions can make or break a deal What situations it makes sense to listen to fear (e.g. FOMO) and greed in, and why https://www.annaclareharper.com https://www.linkedin.com/in/annaclareharper/ https://www.spi.capital bit.ly/propertylegacy
17:28
November 11, 2021
Book Launch Special! Building a Legacy with Damien Fogg, CIO at residential consultancy SPI Capital, and Anna Clare Harper
Today’s the day! What day? 99p book launch day! If you’re thinking about growing a property portfolio for the future or to pass on to your children, get your copy now because, did I mention, it’s just 99p (absolute steal) for today only… So, this week’s top tip is to do that, and leave a review, and let us know you’ve left a review by emailing book@spi.capital as we’re giving 3 x the amount you paid, to Jimmy’s in Cambridge - a brilliant homeless charity in the city we wrote the book. Also in this episode: The difference between day to day and strategic portfolio management The problem(s) with self-managing your portfolio, and how to overcome them Key focus areas for strategically managing your portfolio. Resources: Get your copy of the book here https://www.annaclareharper.com https://www.linkedin.com/in/annaclareharper https://www.spi.capital
21:56
October 28, 2021
Build to Rent with Alexandra Notay, Placemaking & Investment Director at PfP Capital, fund manager for one the largest property management and regeneration companies in the UK, and Anna Clare Harper
Delighted to chat with Alexandra Notay, internationally recognised expert on Build to Rent, placemaking and sustainable urban development and  Placemaking & Investment Director at PfP Capital, fund manager for one the largest property management and regeneration companies in the UK. Alex has published and edited over 30 books and reports on real estate, been recognised as one of BISNOW’s women leading real estate, and has 7 non-exec roles at leading real estate organisations. We covered: What Build to Rent is, and why major pension funds find it so attractive What investors of all scales can learn from the Build to Rent sector How to tackle the challenge of environmental performance in UK residential property Tune in via the link below. Resources: https://www.annaclareharper.com https://www.linkedin.com/in/annaclareharper/ https://www.spi.capital
33:50
October 14, 2021
How to identify your next deal with Damien Fogg, CIO at residential consultancy SPI Capital, and Anna Clare Harper
Finding the right properties is key if you want to grow a property portfolio. The latest podcast episode shares some highlights from our upcoming book and real life stories on how to identify your next deal… Damien Fogg (SPI Capital’s CIO, a chartered Building Surveyor and Financial Advisor, former Letting Agent and Mortgage Broker) and I focus on where to go to find the properties you’re looking for, sharing some tips from the book and some extra real life stories that could not be printed. Highlights include: Where to go to find the kind of property you’re looking for The pros and cons of on-market, off-market, auctions, Modern Methods of Auction or pre-/post-auction Real life stories ranging from common auction mistakes to dealing with creepy vendors on off market deals Resources: https://www.annaclareharper.com https://www.linkedin.com/in/annaclareharper/ https://www.linkedin.com/in/damienfogg1 https://www.spi.capital
21:45
September 30, 2021
Building a Legacy with Damien Fogg, CIO at residential consultancy SPI Capital, and Anna Clare Harper
If you’re thinking about building a legacy to hand on to your children, this episode is for you! We shared some of the most useful snippets from the book we’re publishing in October, Building a Legacy, which is all about creating, growing and improving a profitable, socially conscious legacy. Highlights include: Top tips to get set up for success and due diligence deals you’re looking at Common, expensive and time-wasting mistakes to avoid What it means to build a profitable, socially conscious property legacy Resources: https://www.annaclareharper.com https://www.linkedin.com/in/annaclareharper/ https://www.linkedin.com/in/damienfogg1 https://www.spi.capital
15:10
September 16, 2021
Property investing for lawyers (and other professionals!) With Ruth McCarthy, Director at SPI Capital and former Head of Real Estate at JMW, a Top 100 National Law Firm and Anna Clare Harper
Something specific this week on the podcast...Let me know if it’s useful for you! We work with so many lawyers and investment professionals who spend all day helping their clients make money, and struggle to invest for themselves. So I wanted to share something that dealt with the issues - specifically those facing lawyers, but almost everything covered applies across professions. The lovely Ruth McCarthy, Director at SPI Capital and former Head of Real Estate at Top 100 National Law firm JMW shared her experience - both having been a lawyer, and also having been exposed to real estate throughout her career. Key topics include: Why lawyers are so great at helping their clients make money, but struggle with their own investments The most common mistakes lawyers make around investing such as buying overpriced off-plan and new build flats that often end up underperforming How lawyers can get round the common issues that hold them back Resources: https://www.annaclareharper.com https://www.linkedin.com/in/annaclareharper/ https://www.spi.capital Ruth McCarthy Linkedin
22:50
September 2, 2021
What can property learn from tech? With Roger Thornton, Director of Applications at Raspberry Pi, Damien Fogg, CIO at SPI Capital, and Anna Clare Harper
I really enjoyed chatting with Roger Thornton, Director of Applications at Raspberry Pi, maker of the UK’s best-selling computer and Damien Fogg, CIO at residential consultancy SPI Capital on: What can the property sector learn from tech? How can hardware solve real estate problems? Will the masses really return to working in offices? Highlights include: Understanding margin structure - and collaborative engineering to reduce build costs in real estate, as in hardware manufacturing Applying Agile software development approaches in construction projects to improve efficiency Integrating smart technologies to optimise buildings Whether ‘distance from power’ and the challenge of innovating alone will bring on the end of WFH Resources https://www.annaclareharper.com https://www.linkedin.com/in/annaclareharper/ https://www.spi.capital Roger Thornton Linkedin Raspberry Pi
15:28
August 19, 2021
Is property still a good way to diversify? with Rebekah Tobias, Head of Business Development at Family Office Marcol and Anna Clare Harper
It makes sense not to put all your money in one investment. Traditionally, many investors have chosen residential property as their ‘diversifier’. But is property still a good way to diversify, when prices are high? I spoke to Rebekah Tobias, Head of Business Development at Family Office Marcol - who invest across Real Estate and Private Equity - about this. Key topics include: What is diversification and why is it important right now? How can you diversify your portfolio? Does residential property investing still make sense as a diversifier? Listen in via the link - in comments below... Resources: Host LinkedIn: https://www.linkedin.com/in/annaclareharper/ Host Website: spi.capital & annaclareharper.com
27:01
August 5, 2021
Nightmare Tenants, Slum Landlords and New Rules with Paul Shamplina, TV star and Founder of Landlord Action and Anna Clare Harper
I had the honour of interviewing the host of much-loved TV show, Nightmare Tenants, Slum Landlords, Founder of Landlord Action and policy advisor Paul Shaplina for the podcast. We covered the truth about evictions, and the MASSIVE policy changes that are coming for landlords. Resources: Guest LinkedIn: https://www.linkedin.com/in/paulshamplina/ Guest Websites: www.landlordaction.co.uk www.hamiltonfraser.co.uk www.paulshamplina.tv Host LinkedIn: https://www.linkedin.com/in/annaclareharper/ Host Website: spi.capital & annaclareharper.com
21:38
July 22, 2021
Has the UK housing market gone mad? With Heath Thomas, Head of Real Estate Finance at Natwest and RBS for the North/North West and Anna Clare Harper, CEO, SPI Capital
Despite a global pandemic and extraordinary unemployment figures, house prices in the UK have reached record highs. This episode of the podcast shares a replay from a recent event where I discussed the current market with Heath Thomas, Head of Real Estate Finance at Natwest and RBS for the North/North West. Key topics included: What’s happening in the housing market right now? What next for the housing market? What it all means for investors looking for opportunities in the current market Enjoy! Resources: Guest LinkedIn: https://www.linkedin.com/in/heath-thomas-b45bb417/ Host LinkedIn: https://www.linkedin.com/in/annaclareharper/ Host Website: spi.capital & annaclareharper.com
31:11
July 8, 2021
Sustainable residential property investing with Anna Clare Harper, CEO, SPI Capital
The UK’s legally binding commitment to achieve net carbon zero by 2050 means that now, sustainability is no longer a ‘nice to have’. Our legal obligation is showing up in the form of new rules, regulations and best practices affecting all sectors that contribute to emissions. 40% of UK emissions come from households, which makes the chance of more regulations and policies around the environmental performance of residential property more likely than not. These new regulations will affect investment risks, opportunities, value and performance. Listen in to hear more about: Why sustainability is so important for residential property investors in the 2020s What sustainable property investing actually is How sustainability is creating risks and opportunities that affect value and returns for investors Resources: Host LinkedIn: https://www.linkedin.com/in/annaclareharper/ Host Website: spi.capital & annaclareharper.com
12:25
June 24, 2021
How institutions see the UK Private Rental Sector with Paddy Allen, Head of Operational Capital Markets at leading international property business, Colliers and Anna Clare Harper
There’s a huge amount of capital coming into the ‘beds’ sector from major global institutions, catalysed further by Covid-19. But there are still huge differences between how private individuals approach investing vs how big funds approach it. I had the chance to quiz Paddy Allen, Head of Operational Capital Markets at leading international property business, Colliers, on topics including: The strategic outlook for operators and investors in UK real estate - from PRS to hotels The biggest opportunities and risks in the rental sector The most exciting technologies in real estate Resources  Guest Website: https://www.colliers.com/en-gb Guest LinkedIn: https://www.linkedin.com/in/paddy-allen-69035615/ Host LinkedIn: https://www.linkedin.com/in/annaclareharper/ Host Website: spi.capital & annaclareharper.com
26:25
June 10, 2021
Title: Women and Wealth with Elspeth Kinder (Head of Family Law, JMW), Ann-Marie Atkins (Managing Partner, Tilney), Ruth McCarthy (Managing Director, SPI Capital) and Anna Clare Harper
There are so many misunderstandings about women and wealth. Whether you care about this because you want to reduce inequalities of opportunity for yourself or the women you care about, or because you work in this sector and know you need to understand the other half of the population better, there is a huge opportunity for change. I had the chance to quiz three brilliant women in investment, finance and law on everything from practical advice around budgeting and risk, to common misconceptions such as: Pre-nups are just for wealthy men Investing is a man’s world Women are too risk averse to invest This content was created for #InternationalWomensDay, but personally I think it’s important all year round and has never been more relevant. Also, it’s definitely not just for women! Resources: Guest LinkedIn: Ruth McCarthy: Linkedin.com/in/ruthmccarthy/ Elspeth Kinder: Linkedin.com/in/elspethkinder/ Ann-Marie Atkins: Linkedin.com/in/annmariebanks/ Host website: annaclareharper.com Host website: spi.capital Host LinkedIn: https://www.linkedin.com/in/annaclareharper/
51:03
May 27, 2021
Planning for an Early Retirement with Ann-Marie Atkins, award-winning Financial Planner and Managing Partner at Tilney, and Anna Clare Harper
The idea of retiring early is, unsurprisingly, a popular one. But how do you do it? I was delighted to quiz Ann-Marie Atkins, award-winning Financial Planner and Managing Partner at Tilney on this topic. We covered: What kind of investments work, and how you can make them  - including how to make the most of available tax reliefs, property and non-property investments Common mistakes people make, and how you can avoid them How much money you actually need to retire, or take ‘micro retirements’ throughout your career Resources: Guest website: www.tilney.co.uk Guest LinkedIn: https://www.linkedin.com/company/tilney-group/ Guest LinkedIn: https://www.linkedin.com/in/annmariebanks/ Host website: www.annaclareharper.com & www.spi.capital Host LinkedIn: https://www.linkedin.com/in/annaclareharper/
31:16
May 13, 2021
Residential Property Investing for International Investors with Anna Clare Harper
We’ve had a huge spike in enquiries from international investors so far in 2021. But the interest isn’t new. UK property has attracted attention and capital from all over the world for many years. The trouble is, it’s very difficult for international investors to understand the key trends affecting the UK property market, before they invest. We had some great feedback from an event we hosted on Property Investing for International Investors over the next three years. So, here’s a replay, which includes: Key trends in UK residential property, 2021-2024 Strategies - what works and what doesn’t for international investors How to overcome the barriers to growing your portfolio in the early 2020s Resources: To watch the video replay: https://spi.capital/international-investors-thank-you/ Host website: annaclareharper.com Host website: spi.capital Host LinkedIn: https://www.linkedin.com/in/annaclareharper/
27:12
April 29, 2021
Where to invest in a post-Covid property market? With Lucian Cook, Head of UK Residential Research at Savills and leading commentator and Anna Clare Harper
I was delighted to have Lucian Cook, one of the UK property market’s leading commentators and Head of Residential Research at Savills, back on the podcast. We covered: Where prices and rents are rising, and where is best to invest in a post-Covid housing market The most important regulatory changes you need to know about in the coming years, before you buy an investment property How ‘brown discounts’ are affecting investor value, and the impact of sustainability on investor returns The next wave of institutional investment in UK housing Resources: Guest LinkedIn: https://www.linkedin.com/in/lucian-cook-482010141/ Guest Website: https://www.savills.co.uk/ Host LinkedIn: https://www.linkedin.com/in/annaclareharper/ Host Website: spi.capital & annaclareharper.com
29:25
April 15, 2021
Property Investing for Entrepreneurs with Anna Clare Harper
We’ve recently started working with some incredible entrepreneurs who have made money from their businesses, and want to protect and grow their wealth so that they can maintain their lifestyle into retirement and pass on a legacy to their children. Residential property is a great fit. The trouble is, most entrepreneurs don’t have spare time, and they don’t know enough to invest for themselves. We had some great feedback from an event we hosted on Property Investing for Entrepreneurs. So, here’s a replay, which includes: What property strategies work best for entrepreneurs in the 2020s? When is the best time to think about investing as a business owner? How can business owners overcome the barriers to growing their portfolios, and balance immediate business priorities with long term wealth preservation? Resources: Host website: spi.capital & annaclareharper.com Host LinkedIn: linkedin.com/in/annaclareharper
26:20
April 1, 2021
Sustainable Real Estate Investment with Investment Banker turned Sustainable Investment Specialist, Author and Podcast Host JP Dallmann and Anna Clare Harper
How can you invest sustainably in UK property? Investment Banker turned Sustainable Investment Specialist, Forbes Contributor on Sustainable Investment and Host of leading impact investment podcast, JP Dallmann, joined me to discuss how to invest profitably and sustainably in UK residential property. Highlights of this episode include: How to measure impact in a way that is accurate and commercially viable How to prioritise: should you care more about social impact or the environment? What we can learn from within and beyond the real estate sector to enable the majority of investors in UK property to invest profitably and sustainably Resources: Guest Podcast - https://podcasts.apple.com/gb/podcast/impact-leaders-sustainable-impact-investment-performance/id1438001207 Guest Linkedin - linkedin.com/in/jp-dallmann Guest website: ilaandpartners.com  Host website: spi.capital & annaclareharper.com  Host LinkedIn: linkedin.com/in/annaclareharper
38:49
March 18, 2021
What’s next for the UK rental property market with Head of Research at Zoopla, Gráinne Gilmore and Anna Clare Harper
What’s changing in the UK rental property market?? Zoopla’s Head of Research, Gráinne Gilmore, joined me to discuss what’s really happening in the UK Private Rental Sector. Gráinne was previously Head of Residential Research and Knight Frank, and an award-winning Economics Correspondent for The Times before her role at Zoopla. So, she’s brilliantly placed to help explain the fascinating and complicated dynamics that are affecting the UK rental market. Highlights of this episode include: What’s driving the entrenched ‘two-track market’, London rents fell by 8.3%, whilst non-London rents in the UK rose by 2.3% in 2020 Why Rochdale, Mansfield and Hastings are becoming rental market ‘hotspots’ What’s causing de-urbanisation and the ‘Halo Effect’, and how long it will last What’s next for the UK rental market Resources: Guest website: https://www.zoopla.co.uk/ Guest LinkedIn: https://www.linkedin.com/in/grainnegilmore Zoopla Rental Market Report: https://advantage.zpg.co.uk/insights/rental-market-report/ Host website: annaclareharper.com Host website: spi.capital Host LinkedIn: https://www.linkedin.com/in/annaclareharper/
17:51
March 4, 2021
How Artificial Intelligence is transforming Private Rental Sector housing investment with Co-Founder of ground-breaking Investment Manager Immo Capital, Samantha Kempe and Anna Clare Harper
Artificial Intelligence is transforming how major global funds invest in one of the largest, most resilient asset types: Private Rental Sector housing. I had the privilege of finding out how - speaking to Samantha Kempe, Co-Founder and CIO of ground-breaking Investment Manager Immo Capital. Before this, Samantha cut her teeth managing portfolios at Blackstone, as well as working at PWC and Cushman and Wakefield, so she’s well-versed in both traditional and innovative investment management. Highlights of this episode include: How AI and data can be used to solve the major hurdle funds face investing in Private Rental Sector property How hundreds of data points can be rapidly processed to create valuations, with accurate refurbishment costs, in a fraction of the usual time How AI and humans complement each other, rather than competing for jobs in a unique, and illiquid market Resources: Guest LinkedIn: https://www.linkedin.com/in/samantha-kempe-3ab42394/ Guest website: https://immo.capital/ Host LinkedIn: https://www.linkedin.com/in/annaclareharper/ Host website: https://annaclareharper.com/ & https://spi.capital/
24:17
February 18, 2021
How to reduce risk in a fast-changing market with Ruth McCarthy, MD of SPI Capital and Anna Clare Harper
How to reduce risk in a fast-changing market I had a great chat with Ruth McCarthy, MD of SPI Capital and former Head of Real Estate at top 100 National Law firm, JMW. Highlights include: How to protect your rights and reduce risk through legals How to avoid common investor mistakes Balancing legal and commercial requirements to get quality deals done Resources Website spi.capital & annaclareharper.com Guest LinkedIn: https://www.linkedin.com/in/ruthmccarthy/ Host LinkedIn: https://www.linkedin.com/in/annaclareharper/
19:13
February 4, 2021
Property market predictions for 2021 with Damien Fogg, CIO of SPI Capital and Anna Clare Harper
What will happen to the property market in 2021? I had a great chat with Damien Fogg MRICS - a surveyor, former Financial Advisor, investor, and Chief Investment Officer of residential property asset manager SPI Capital. We shared 12 predictions for the UK housing market in 2021. Highlights include: Key economic, political and policy drivers The impact of low interest rates Rising institutional investment, the emergence of the ‘corporate landlord’ and demand for end to end portfolio building The growing importance of social responsibility, as well as health, safety and risk management Resources  annaclareharper.com spi.capital LinkedIn: https://www.linkedin.com/in/annaclareharper/ & https://www.linkedin.com/company/spicapital/
21:06
January 21, 2021
How to avoid costly investment mistakes in 2021? With Damien Fogg, CIO of SPI Capital and Anna Clare Harper
How to avoid costly investment mistakes in 2021? I had a great chat with Damien Fogg MRICS - a surveyor, former Financial Advisor, investor, and Chief Investment Officer of residential property asset manager SPI Capital. We discussed 8 of the most common, costly mistakes investors make growing their portfolio, and how you can avoid them in 2021. Highlights include: Emotional decision-making, paralysis by analysis and diving in Over-reliance on media predictions, and mistaking price for value Misunderstanding market timing and speculation Under-estimating the workload required Resources: annaclareharper.com spi.capital LinkedIn: https://www.linkedin.com/in/annaclareharper/
21:44
January 7, 2021
Investing in residential property at scale with Cedric Bucher, CEO of leading specialist fund manager Hearthstone, and Anna Clare Harper
Investing in residential property at scale I was delighted to speak to Cedric Bucher, CEO of Hearthstone Investments, which is the UK’s first specialist residential property fund manager - with Assets under Management of over £280m. They are leading the way in the Private Rental Sector, giving institutional investors access to mainstream family housing and low-rise apartment blocks. Prior to this, Cedric has a brilliant career with leading global consultants, banks and asset managers. So he’s well versed in the financial aspects of property investing, as well as the more practical elements. We first got talking on social media, when I was developing the strategy for my current business, SPI Capital, and I couldn’t resist inviting Cedric to the podcast to share his insights. Highlights of the episode include: Overcoming the challenges of investing in property in 2020 Hot opportunities in the Private Rental Sector Selecting the right kind of funding investor to work with - and what happens if you get it wrong Lessons learned from running a market-leading investment company Resources: Guest website: https://www.hearthstone.co.uk/ Guest LinkedIn: https://www.linkedin.com/in/cedric-bucher-8490329/ Host website: https://www.annaclareharper.com Host website: https://spi.capital Host LinkedIn: https://www.linkedin.com/in/annaclareharper/
21:57
December 24, 2020
Making a Splash! Developing throughout downturns with Tom Bloxham MBE, urban regeneration pioneer, Chairman and Founder of award-winning Urban Splash, and Anna Clare Harper
I'm very excited to share my conversation with Tom Bloxham MBE, one of the best known and loved personalities in the real estate industry and a pioneer of urban regeneration. Tom is the chairman and founder of leading regeneration company Urban Splash, which has received 419 (!) awards to date for architecture, design and business success. He has a reputation as ‘the property developer who makes property development socially acceptable’, and the best accolade I’ve heard to date: a portrait in the National Portrait Gallery. Highlights of our conversation include: How to handle challenges, changes and cycles in the property market Changing mean streets to green streets - lessons learned from spearheading unprecedented changes to our urban landscape How to prepare for the future as a property developer/investor Living well by design - the ethos of Urban Splash investments Listen in to hear more. Resources: Guest website: https://www.urbansplash.co.uk/ Guest LinkedIn: https://www.linkedin.com/in/tom-bloxham-26055413/ Guest Twitter @TomBloxhamMBE https://annaclareharper.com/ http://spi.capital/ https://www.linkedin.com/in/annaclareharper/
26:20
December 10, 2020
What’s changing in the UK rental market with Head of Research at Zoopla, Gráinne Gilmore and Anna Clare Harper
What’s changing in the UK rental market? Zoopla’s Head of Research, Gráinne Gilmore, joined me to discuss what’s really happening in the UK Private Rental Sector. Gráinne was previously Head of Residential Research at Knight Frank, and an award-winning Economics Correspondent for The Times before her role at Zoopla. So, she’s brilliantly placed to help explain the fascinating and complicated dynamics that are affecting the UK rental market. Highlights of this episode include: What’s driving the entrenched ‘two-speed market’, with UK rent growth of +1.7% vs -5.2% in London’s rental market Tenant demand 25% higher than last year overall - with particular demand for properties with gardens, parking, garages, balconies and ‘pets allowed’, and a shift away from office-driven cities such as Coventry and Reading What next for the UK rental market, in a context of reduced investment activity, muted earnings growth and limited affordability for many first time buyers Resources: Guest website: https://www.zoopla.co.uk/ Guest LinkedIn: https://www.linkedin.com/in/grainnegilmore Zoopla Rental Market Report: https://advantage.zpg.co.uk/insights/rental-market-report/ Host website: annaclareharper.com Host website: spi.capital Host LinkedIn: https://www.linkedin.com/in/annaclareharper/
16:12
November 26, 2020
Making real estate assets liquid with Richard Croft, Co-Founder and Chairman of leading investment group, M7, David Delaney, CEO of property stock exchange IPSX, and Anna Clare Harper
Transparency, liquidity, and listed real estate I had a fascinating discussion with Richard Croft, Co-Founder and Chairman of leading investment group, M7 and David Delaney, CEO of new property stock exchange IPSX about their first single real estate asset Initial Public Offering (IPO). Richard and David have exceptional credentials in real estate and finance, with years of experience, and billions of transactions under their belts. Richard is the Executive Chairman and co-founder of the M7 Real Estate group, and has been involved in over €8 billion of transactions across the UK and Europe during his 26 year career in real estate, founded and sold a European real estate fund management business, and is a Non-Executive Director of IPSX. David is IPSX’s Group CEO. His previous experience includes managing $1bn book of business at Thomson Reuters as Head of Strategic Clients and Solutions, and 25 years at Credit Suisse (where he became Head of Fixed Income Sales for interest rate products) and Barclays Bank. Richard and David share a deep frustration with the issues that prevent investors from selecting and investing in assets for themselves, the lack of transparency in the listed real estate market, and the lack of liquidity available for many real estate assets. Their current mission is to solve these issues, through an unprecedented single asset listing of Mailbox REIT on IPSX. So, will it work? Highlights of the episode include: What liquidity is really worth to investors The high perceived risk of anything new The problems investors face with open-ended and closed-ended real estate funds Whether investors really value choice and democracy in investing Resources: Guest websites:  www.themailboxreit.com / www.ipsx.com / www.m7re.eu Anna’s website:  www.annaclareharper.com & www.spi.capital Anna’s LinkedIn page: https://www.linkedin.com/in/annaclareharper/
30:19
November 12, 2020
Damien Fogg, CIO and Anna Clare Harper, CEO of SPI Capital on starting an investment business in a recession
Would you start an investment business in a recession? I would, and have. I wanted to share a bit more about why. So in this episode of the podcast, Damien Fogg, CIO and I explain what we’re doing at SPI Capital and why. Highlights include: The case for change, in life and business, post-lockdown (#1) The business and social case for investing in built residential assets worth
16:11
October 29, 2020
How to invest and protect your wealth through a crisis with Ann-Marie Atkins, Managing Partner at award-winning Wealth Management and Financial Planning firm, Tilney
How do you invest through a crisis? It’s a cliche so say it, but undeniably we are in ‘unprecedented times’. As a result, it’s never been more important for individuals and families to preserve and grow their wealth, and to plan for the future. I got the chance to pick the brains of Ann-Marie Atkins, the only female Managing Partner at award-winning Wealth Management and Financial Planning firm, Tilney. We covered topics including: The most common mistakes that individuals, families and business owners make around financial planning, and how to avoid them The risks and opportunities of recent and proposed regulations such as changes to Capital Gains Tax Recession-proofing your finances Understanding your risk appetite and liquidity preferences Resources: https://www.tilney.co.uk/ https://www.linkedin.com/company/tilney-group/ https://www.linkedin.com/in/annmariebanks/ www.annaclareharper.com https://www.linkedin.com/in/annaclareharper/
28:11
October 15, 2020
Using data analytics to optimise building management with Ryan Collier, Operations Director at leading residential block manager, Pod, and Anna Clare Harper
It’s not glamorous. Yet building management has the potential to make or break both investor returns and customer satisfaction. Historically, it’s been rare for investors to know (and perhaps, to care) how their building can be managed better. Until now. Ryan Collier has specialised in the management of large and complex buildings for 10 years, and has overseen tens of thousands of homes. He and his team at leading specialist block managers, Pod Management, provide residential estate and block management services - and comprehensive data analytics - for clients such as Bellway homes, Berkeley Homes and Tipi (Quintain) across some 9,000 homes (contracted and pipeline). We discussed: How data analytics can be used to reduce investor costs and improve customer service for tenants - from optimising postroom staffing to 24 hour ‘between tenancy’ turnarounds The myth that new buildings cost less to run - since maintenance is about people and the quality of the building, not its age The myth that more data means better results - it’s not the data, but how you use it! Optimising building lifecycle costs - and the shocking cost of cheap taps, lifts and gates Resources: Linkedin: https://www.linkedin.com/company/pod-management/ Linkedin: https://www.linkedin.com/in/annaclareharper/ Instagram: @podmanagement www.podmanagement.co.uk www.annaclareharper.com
29:32
October 1, 2020
Private Equity and Family Office real estate investment myths with Rebekah Tobias, leading investment specialist & Head of Business Development at investment house, Marcol, and Anna Clare Harper
The flight-to-safety, dumb money and real estate I had a great chat about Family Office, Private Equity and Institutional Investment in real estate in the current environment with Rebekah Tobias, leading investment specialist and Head of Business Development at Private Equity firm, Marcol. Rebekah’s experience includes Partner and Director roles at Marcol, M7 and Cushman & Wakefield, spanning international capital markets through to operations-led asset management. So she is well-placed to comment, and is brilliant at explaining the complex real estate investment world. Highlights of this episode include: How investors price real estate and take calculated risks in a fast-moving market - including re-pricing retail and offices, the premium required for investing further afield, and the ‘tech effect’ on valuations Dumb money and the financial consequences of herd mentality - even amongst sophisticated institutional investors The flight to quality and safety - and perceived low risk of prime real estate The importance of optimising operations as a way to create value - and how sophisticated investors are doing this across sectors. Resources: https://marcol.com/ https://www.linkedin.com/in/rebekah-tobias-2187b66/ annaclareharper.com https://www.linkedin.com/in/annaclareharper/
35:29
September 17, 2020
From valuations to international relations; cycles to ‘di-worse-ification’ - what the world’s leading real estate investment textbook tells us, with Oxford Professor Andrew Baum
From valuations to international relations; cycles to ‘di-worse-ification’ - the world’s leading real estate investment textbook has a lot to say about investing right now. I had the privilege of quizzing leading Oxford Professor Andrew Baum on what his latest textbook says, and what it means for investors. Highlights include: Top tips for long term investors International drivers of demand - and how tense international relations will affect global real estate investment Common mistakes investors make with their numbers, and how to avoid them Understanding risk, and whether real estate can still be considered a ‘safe haven’ Debt, development and market cycles Resources: Andrew's recently revised book: Real Estate Investment and Finance: Strategies, Structures, Key Decisions:  https://www.amazon.co.uk/Real-Estate-Investment-Finance-Strategies-dp-1119526094/dp/1119526094/ref=dp_ob_title_bk Oxford Future of Real Estate Initiative https://www.sbs.ox.ac.uk/research/centres-and-initiatives/oxford-future-real-estate-initiative Andrew on LinkedIn https://www.linkedin.com/in/andrew-baum-303a014/ Anna's website: annaclareharper.com Anna on LinkedIn https://www.linkedin.com/in/annaclareharper/
24:16
September 3, 2020
What’s really happening in the UK rental market? With Zoopla’s Head of Research Gráinne Gilmore and Anna Clare Harper
I had the pleasure of interviewing Gráinne Gilmore, Head of Research at Zoopla, following the release of their UK Rental Market Report to discuss what’s really happening in the UK rental market. Previously an award-winning financial and economics journalist at The Times newspaper in London, and Head of Residential Research at Knight Frank, Gráinne is often interviewed by the media on the UK housing market, appearing on BBC Radio 4, Sky news, BBC Breakfast, and the BBC World Service. So, she’s brilliantly placed to help explain the fascinating and complicated dynamics that are affecting the UK housing market right now. Highlights of this episode include: The driving forces behind the emerging ‘two-speed market’, with London leading one track, and regional economies taking a different path What’s happened in the UK rental market this year, including a 3% fall in London rents Which rental markets are growing, and what this means for investors What next in an environment of rising unemployment, and why economic nerves are most likely to boost the UK rental market Resources: Zoopla website: https://www.zoopla.co.uk/ Gráinne on LinkedIn: https://www.linkedin.com/in/grainnegilmore Zoopla UK Rental Market Report: https://advantage.zpg.co.uk/insights/rental-market-report/ Anna's website: annaclareharper.com Anna on LinkedIn: https://www.linkedin.com/in/annaclareharper/
17:06
August 20, 2020
Listed real estate insights with Colm Lauder, Head of Real Estate at Goodbody, and #1 ranked Real Estate Analyst
I had a fascinating discussion with the Head of Real Estate at leading investment bank, Goodbody, Colm Lauder. Colm is a leading authority on listed real estate. Since graduating with a MPhil in Real Estate Finance at Cambridge, Colm became the youngest Vice-President in the UK at MSCI in 2013. He was ranked #1 Real Estate Analyst in Ireland (Extel) in 2017, 2018 and 2019. In this episode, we covered resilience, liquidity and recent trends in listed real estate. Highlights included: The consequences of recent quantitative easing for real estate, and why it makes sense to prioritise inflation-hedged assets right now How listed funds are adapting their investment strategies, including sector specialisations such as supermarket vs PRS REITs, in response to investor demand The liquidity premium, and how it affects valuations in listed vs unlisted real estate Resources: https://www.linkedin.com/in/colmlauder/ https://www.goodbody.co.uk/ annaclareharper.com https://www.linkedin.com/in/annaclareharper/
20:21
August 6, 2020
Proptech myths with Toby Wilde, Founder of Oparo, one of the first algorithm-driven real estate investment companies in the UK
In this episode, Toby Wilde and Anna Clare Harper discuss the common myths around how and whether proptech can solve housing market problems. Toby shared his controversial opinions on the major issues in the industry including the greenbelt, Airbnb and P2P lending. Toby is a multi-time Proptech Founder whose experience includes scaling Sprift, currently the fastest growing property data resource for Estate Agents, Landlords, Developers & Solicitors, as well as in Estate Agency and in his family’s property development business. Highlights includes: What problems can proptech (and specifically, algorithms) really solve in the UK property market, and how? How data can really be used to optimise where to build and what is built, from a developer and investor perspective What data reveals about a collapse in studio and 1 bed values, due to Covid-led limits on the airbnb ‘dark economy’ The idea of a ‘barcode for every house’ and how tech can reduce inefficiencies in the housing market Resources: Oparo website: https://www.oparo.co.uk/ Sprift website: https://sprift.com/ Toby on LinkedIn: https://www.linkedin.com/in/tobywilde/ Anna's website: https://annaclareharper.com/ Anna on LinkedIn: https://www.linkedin.com/in/annaclareharper/
34:08
July 23, 2020
How to value residential property, with ‘material uncertainty’ - Gavriel Merkado, CEO and Founder of leading residential property data and analytics company REalyse, and Anna Clare Harper
In this episode, Gavriel Merkado, CEO and Founder of leading residential property data and analytics company REalyse and Anna Clare Harper discuss the ‘myth’ of ‘material uncertainty’. What material uncertainty actually means, what the implications are for investors trying to assess a deal, and the real reason banks are cautious to lend when a valuation contains this clause. A former quantitative analyst and expert in real estate data analytics, Gavriel shares his perspective on material uncertainty and whether there is a viable alternative right now in valuations. We also touched on why he believes ‘augmented valuations’ will be the future for companies looking to save time and cut costs. Highlights of this episode include: How greater technology, transparency and ‘augmented valuations’ could revolutionise UK property transactions, and the implications for ‘industry middlemen’ How disrupting the monopoly on valuations could impact the UK market Understanding value in the UK residential property market throughout market changes Why uncertainty is almost a certainty - in any market Resources: www.realyse.com https://www.linkedin.com/in/gavriel-merkado-17759917/ annaclareharper.com https://www.linkedin.com/in/annaclareharper/
23:29
July 9, 2020
Property Finance myths Part #2: Alternative Finance myths, with Michael Bristow, Co-Founder and CEO of Crowdproperty, the UK’s leading property peer-to-peer lending platform, and Anna Clare Harper
In this episode, Mike Bristow, Founder of the UK’s leading property peer-to-peer (P2P) lending platform, Crowdproperty, and Anna Clare Harper discuss why high rates don’t always mean high risk when it comes to property lending, and how peer-to-peer (P2P) is disrupting traditional bank finance. As a registered chartered accountant, Mike also sits on the investment committee of proptech venture capital business Property Innovation Labs (Pi Labs), and is an angel investor in leading proptech and fintech businesses. Highlights of the episode include: How tech is an enabler for solving problems in property and finance, and the importance for great proptech and fintech businesses of focusing on ‘holes’, not ‘drillbits’ How investors (both lenders and borrowers) can understand and manage risks in P2P lending How the uncertain environment around Covid-19 has created an opportunity for P2P lenders to prove their point, and continue to disrupt traditional big bank lending in real estate. Resources: Crowdproperty.com Blog - blog.crowdproperty.com = 40 articles all about alternative finance Linkedin https://www.linkedin.com/in/michaelbristow/ annaclareharper.com https://www.linkedin.com/in/annaclareharper/
42:37
June 25, 2020
Myths about property finance: how bridging lenders are becoming less shark, and more heart with Guy Harrington, Founder of Glenhawk and Anna Clare Harper
In this episode, Guy Harrington, Founder of Glenhawk, one of the fastest growing property lenders in the UK, dispels common myths and misconceptions around short term ‘bridging’ property finance. Glenhawk has lent over £115m, secured £160m finance from JP Morgan, and is on track for its target £500m loan portfolio. Highlights of this episode include: What’s really happening to lender appetite, through Coronavirus What developers and investors can learn from how lenders view risk How lenders are evolving from ‘shark’ to ‘heart’, becoming consumer-focused How to avoid the ‘loan to own’ lenders as a borrower Resources: Website: Glenhawk.com Contact: gh@glenhawk.com & lendingteam@glenhawk.com LinkedIn: https://www.linkedin.com/in/guy-harrington-glenhawk/ Find out more about The Return Podcast at annaclareharper.com LinkedIn: https://www.linkedin.com/in/annaclareharper/
37:15
June 11, 2020
How to hire top talent in real estate and avoid common hiring mistakes that proptech and property startups make with Louisa Dickins, leading global proptech recruiter, and Anna Clare Harper.
I had the chance to discuss the truth about hiring in real estate with Louisa Dickens, co-founder of LMRE, a leading global proptech recruitment business helping startups scale and corporates find new talent. As a UK PropTech Association board member, Louisa is well-placed to understand what both proptech businesses and candidates expect from each other during the recruitment process and the common hiring mistakes that proptech startups and corporates make. Highlights of this episode include: What employees really want, and what businesses look for in candidates How to build a diverse team How hiring is changing, and the importance of having a hiring strategy Where start-ups and corporates go wrong, and how to avoid common mistakes Resources: Lmre.co.uk https://www.linkedin.com/in/louisa-dickins-ab065392/ annaclareharper.com https://www.linkedin.com/in/annaclareharper/
27:22
May 28, 2020
What works and what doesn't in a complex property market? Part 2. Paperback book launch panel with top planning lawyer Martha Grekos & Editor of leading property investor magazine, Richard Bowser
*What works and what doesn't in this complex UK residential property market? Part #2* Panel discussion with one of the UK’s top planning lawyers, Martha Grekos, and Editor of the leading property investor magazine, Property Investor News, Richard Bowser, marking the paperback launch of Anna Clare Harper's book, Strategic Property Investing: What works and what doesn’t in a complex UK residential property market bit.ly/strategicpropertyinvesting Highlights include: ‘Icarus syndrome’ - and the trouble with crowd-funding and over-leverage in property development Top tips for riding a challenging market, for long term landlords and ‘value add’ developers, including how to conduct due diligence right, and maintaining relationships so that you have the right people on your side, even if you’re not taking on new projects How to maximise the value of assets through planning uplift and how to avoid common mistakes developers make Resources: https://propertyinvestor.news http://www.marthagrekos.co.uk/ bit.ly/strategicpropertyinvesting annaclareharper.com/book
27:03
May 14, 2020
What works and what doesn't in a complex property market? Special book launch panel with Melanie Bien, best-selling property 'for dummies' author, and John Howard, veteran property investor
Marking the launch and promo offer for Anna’s book, Strategic Property Investing: What works and what doesn’t in a complex UK residential property market - bit.ly/strategicpropertyinvesting - Panel discussion with Melanie Bien, award-winning PR specialist, former Personal Finance Editor of the Independent on Sunday, and author of four best-selling property 'for dummies' books, and John Howard, property investor, business owner and author whose latest project is a £26 million development funded by Homes England, and who has bought and sold over 3,500 houses, apartments and developments. Highlights include: How not all parts of the property market will be affected in the same way by coronavirus - some geographies and tenant types are resilient from an investment perspective, and some are less so. How sweeping statements and statistics are not so helpful in this context How challenges opportunities and house prices will be defined by two main things: cashflow and liquidity - and the last 2 months have shown us we don't collectively know as much about this as we thought Market predictions - and how the key to sustainable success is taking a socially responsible, sensitive approach focused on the long term - from working with tenants to pricing Resources: Link to buy Anna's book: bit.ly/strategicpropertyinvesting annaclareharper.com/book Bien Media: https://www.bienmedia.com/ Melanie Bien, LinkedIn: https://www.linkedin.com/in/melanie-bien-4b67144/?originalSubdomain=uk John Howard, LinkedIn: https://www.linkedin.com/in/john-howard-a59a1b43/
30:29
April 30, 2020
Is data the most valuable commodity for UK real estate investors? With Gavriel Merkado, CEO and founder of leading proptech disruptor, REalyse, and Anna Clare Harper
Data has been described as more valuable than oil. But not all data is created equally. Huge risks arise if you don’t have the right data, and you don’t use it correctly in property investment. So how do you get it right, at a time when data collection seems topical, controversial and indeed essential for modern businesses? Gavriel Merkado, CEO and Founder of REalyse, leading UK real estate data and proptech disruptor, joins Anna Clare Harper to discuss the value of data - including how successful investors are using it, and what the rest are getting wrong. Gavriel is an expert in using data and analytics to drive the right investment decisions, with a strong background in quantitative analytics, hedge funds, trading and equity broking before making the shift to real estate, including at Quintain and Essential Living. Highlights of this episode include: What data is actually valuable, and how it should be used in real estate The rapid evolution of data, and what this means for property investors Common mistakes investors make - that cause them to lose money and waste time - and the four characteristics your data needs Using data in a property crisis Resources: www.realyse.com https://www.linkedin.com/in/gavriel-merkado-17759917/ annaclareharper.com https://www.linkedin.com/in/annaclareharper/ https://annaclareharper.com/book 
23:30
April 16, 2020
How coronavirus affects ordinary property investors and what to do about it, with Ranjan Bhattacharya, Real Estate Investor, Business Owner and Host of the UK’s #1 property meet, and Anna Clare Harper
In this episode, Ranjan Bhattacharya and Anna Clare Harper weigh up the challenges and opportunities for investors following the impact of coronavirus on the property market, and discuss how to survive both long- and short-term by shoring up your position, prioritising cashflow and knowing the right strategies to deploy. Property entrepreneur and investor Ranjan is a well-known personality in the landlord community as the host of ‘the UK’s #1 property meet’, the Baker Street Property Meet, and a popular YouTube channel. Highlights of this episode include: How the investment landscape has changed overnight, and what it means for residential property investors Long- and short-term survival - why cashflow is king, and how to navigate government and bank support to help tenants Risk analysis and open communication with tenants - and the biggest jobs landlords have right now When to buy, and when to pause over the coming months Resources: Baker Street Property Meet: www.BakerStreetPropertyMeet.com YouTube channel: Ranjan Bhattacharya - Property Investment https://www.youtube.com/channel/UCycEMZPP06TrEN_oilCrjyg LinkedIn: https://www.linkedin.com/in/ranjanproperty/ Anna’s book - ‘Strategic Property Investing: What works and what doesn’t, in a complex UK residential property market’ has never been more relevant than in these uncertain times. It will be published on 30th April 2020. Sign up to find out more and be the first to be notified about the 99p launch offer: annaclareharper.com/book https://www.linkedin.com/in/annaclareharper/
37:09
April 2, 2020
Can Socially Responsible Property Investing solve the UK housing crisis? With Anna Clare Harper, Co-Founder of Anglo Residential, Property Investor and Strategist
In this episode, Property Investor and Strategist Anna Clare Harper explores how the housing crisis is more than just a housing problem, and why headline grabbing policies win votes but generally prove expensive and unsuccessful. Anna recently delivered her first TEDx talk in which she was privileged to explore the question ‘Can Socially Responsible Investing solve the UK housing crisis?'. Since studying Land Economy at Cambridge University, the social and financial consequences of investing have influenced her career. She’s been privileged to be involved with £100m's worth of deals and strategies, most recently as Co-Founder of the UK property fund, Anglo Residential which focuses on rental housing, via working as a Strategy Consultant at Deloitte, working with High Net Worth Investors on individual projects and writing the book, Strategic Property Investing. This talk shares the ideas she has developed, with highlights including: What the housing crisis really is, and why it is more than just a housing problem What investors really want, and how Socially Responsible Investing provides a solution - with Environmental Social and Governance investing amounting to c. 25% of professionally managed assets worldwide How building new homes and headline-grabbing policies like Help to Buy won’t solve the housing crisis The 5 things needed for Socially Responsible Property Investing to solve housing and investor problems Resources: bit.ly/strategicpropertyinvesting annaclareharper.com linkedin.com/in/annaclareharper/
15:24
March 19, 2020
Simon Hughes, leading real estate innovation consultant, discusses being agile and innovative in property with Anna Clare Harper
In this episode, Simon Hughes, Co-Founder of leading real estate innovation consultant, Jell Consulting and thought leadership and research business Liquid Real Estate Innovation, discusses shaping the future of real estate through innovation with Anna Clare Harper. Simon has an extensive track record of working with board level executives at publicly-listed and private equity-backed companies. He explains how property companies often falsely believe innovation is driven by technology, and how to really unlock fresh ideas and discover potential solutions in a sector known for being slow to adapt to change. Highlights of this episode include: How to fail: by putting technology first How to innovate successfully and the power of problem-solving How small and large property businesses and investors can innovate to get ahead in a fast-changing environment Resources: liquidrei.com/ jellconsulting.co.uk/about Linked in https://www.linkedin.com/in/simon-hughes-a8a9a71b/ Twitter @SimonHughes497 annaclareharper.com https://www.linkedin.com/in/annaclareharper/
15:04
March 5, 2020
PropTech Venture Capital Founder Taylor Wescoatt discusses investing in early stage PropTech startups with Anna Clare Harper
In this episode, Taylor Wescoatt, Founder of leading PropTech venture capital firm Concrete and Anna Clare Harper discuss analysing risk and reward, what venture capitalists look for, and the importance of understanding how to solve customer problems through new PropTech ventures. Taylor brings his User Experience (UX) and Product Development experience with major brands such as eBay and Time Out to tackle real estate industry challenges and make the most of its opportunities. Highlights of this episode include: What next for real estate and PropTech? What venture capitalists look for in a Founder Why we don’t learn from success and failure is crucial for growth The shift in focus in real estate from ‘occupier’ to ‘consumer’ Why founders need inexhaustible energy Resources: www.concretevc.com Email: info@concretevc.com https://www.linkedin.com/in/taylorwescoatt/ www.annaclareharper.com https://www.linkedin.com/in/annaclareharper/
22:39
February 20, 2020
Value investing specialist, author and acclaimed researcher Mallika Paulraj and Anna Clare Harper discuss what real estate investors need to know to echo Warren Buffet’s success
Value investing specialist, author and acclaimed researcher Mallika Paulraj and Anna Clare Harper discuss how the school of thought so commonly associated with Benjamin Graham, then Warren Buffet, Charlie Munger et al really applies in the property world. Mallika shares top tips from a global investment and research career, from checklists to use before you invest, to understanding brain chemistry so that you can avoid common mistakes. A graduate and researcher from Stanford University and the London School of Economics, Mallika began her career in Silicon Valley as a programmer before moving into finance in 2001, working with large financial institutions such as Lehman Brothers in Wall Street and Morgan Stanley in London. She runs a global investment education business, Four Minute Investing, and guest lectures in investing at Stanford and the London Business School. Highlights of this episode include: How even the best professional investors paradoxically misunderstand personal investing Top tips for real estate investors looking to echo successful value investors like Warren Buffet How to put emotions aside, and really find value Resources: fourminuteinvesting.com To find out more about monthly investment seminars held in London, email mallika@fourminuteinvesting.com Mallika Paulraj LinkedIn: https://www.linkedin.com/in/mpaulraj/ annaclareharper.com Anna Clare Harper LinkedIn https://www.linkedin.com/in/annaclareharper/
25:19
February 6, 2020
How family offices, private equity firms, high net worth investors & institutions like pension funds really invest in real estate, with leading investment specialist Rebekah Tobias & Anna Clare Harper
In this episode, leading investment specialist Rebekah Tobias and Anna Clare Harper discuss risk, reward, diversity and how capital is really allocated by financial institutions including high net worth investors, private equity houses, family offices and pension funds. Formerly a Partner at global real estate consultants Cushman & Wakefield, an Investment Director at CBRE and a Director at leading Real Estate Investor & Asset Manager M7, Rebekah is now Business Development Director for international investment house, MARCOL. Her real estate investment expertise spans investment advisory, valuations, capital raising and investor relations working with major institutional investors and private equity. Highlights of this episode include: The most important questions different types of investor really want answered when evaluating real estate investments, and how this differs from traditional RICS valuation approach How risk appetites and return targets compare between private equity firms, large institutions like pension funds, high net worth individuals and family offices How ‘emotional’ decisions and personal relationships play a role when family offices and high net worth investors allocate their capital Top trends and changing strategies in family office investment Resources: Linked In - Rebekah Tobias marcol.com www.annaclareharper.com Linked In - Anna Clare Harper
24:10
January 23, 2020
Best-selling Author, Global Martial Arts Entrepreneur and Property Developer Sebastian Bates joins Anna Clare Harper to discuss building a lifestyle business and sources of entrepreneurial inspiration
In this episode, Sebastian Bates joins Anna Clare Harper to discuss how to build systems and processes to build your lifestyle business and get into a mode of constant inspiration instead of solving small problems. Dubai-based martial arts entrepreneur Sebastian is the founder of the Global Warrior Academy with over 2000 students across two continents. Through developing lean systems and processes he has built a team of 30 around the world to help him run the Academy and other martial arts businesses together with Holger Danske, his property development company. Auditing his time every three months, Sebastian outsources everything except high value tasks, spending money to buy his time back. In this episode he discusses his systems and processes and how to save money on hiring a team. Episode highlights include: How a big vision creates inspiration, and stops you from worrying about small stuff The best business tools for saving time, money and effort through streamlining processes How to deal with email culture, without constantly dealing with emails How to grow your team without spending your time training them up How to deal with business risk, stress, loneliness and ‘monkey mind’ Resources: warrioracademy.co.uk warrioracademy.ae https://www.linkedin.com/in/sebastian-seb-bates-4b70412b https://www.facebook.com/sebastianbates annaclareharper.com https://www.linkedin.com/in/annaclareharper/
35:54
January 9, 2020
Multi-time Proptech Founder Toby Wilde joins Anna Clare Harper to discuss using data and algorithmic decision-making to access better property investment opportunities
In this episode, Toby Wilde and Anna Clare Harper discuss how property investors can use data and algorithmic decision-making to identify better opportunities, safeguard against risk and drive efficiency. Toby is a multi-time Proptech Founder whose experience includes scaling Sprift, currently the fastest growing property data resource for Estate Agents, Landlords, Developers & Solicitors, as well as in Estate Agency and in his family’s property development business. Highlights of this episode includes: Using data, one of the most valuable resources in property, to make better investment decisions How identifying the early signs of insolvency and financial stress can give homeowners a quick and dignified exit The evolution of #proptech - and Proptech Version 4.0 The de-skilling of the Estate Agency sector due to hybrid, low-fee agencies Why property is a human-led industry that can’t be ruled by data alone Why the old adage, ‘if you build it they will come’ may no longer apply Why taking a 10 year view in property may no longer be relevant Resources: https://oparo.co.uk/ toby@oparo.co.uk https://welcome.sprift.com/ annaclareharper.com https://www.linkedin.com/in/annaclareharper/
29:55
December 26, 2019
Paul Dunn, globally-renowned social impact entrepreneur, Founder of B1G1 & 4x TEDx speaker joins Anna Clare Harper to discuss creating a positive impact & lasting legacy through investment & business
In this episode, Paul Dunn joins Anna Clare Harper to discuss creating a positive impact and lasting legacy by giving back as part of business - in property and beyond. This is especially important in the property sector, which has built a reputation for not quite ‘getting’ the social responsibility agenda! Paul is an award-winning global social entrepreneur, 4x TEDx speaker & Founder of B1G1 (which stands for ‘Buy 1, Give 1’). He was also one of Hewlett Packard’s first 10 team members in Australia, has successfully built and exited his own computer businesses and has mentored thousands of business leaders along the way. Highlights of this episode include: Disrupting the old model of guilt-based giving Engaging the people you work with - your team, clients and even tenants - through making a tangible and meaningful impact as part of business How giving can bring heart, soul, purpose and meaning into your business from day one, and enable you to build a positive legacy of contribution over consumption The idea that it’s businesses that can change our world for the better, not governments. Resources: B1g1.com https://b1g1.global/look Vimeo ‘inside view’ annaclareharper.com https://www.linkedin.com/in/annaclareharper/
26:41
December 12, 2019
Smart buildings for better profits, health and environment with proptech disruptor Metrikus’ CEO Gary Cottle, COO Michael Grant and Anna Clare Harper
In this episode, Anna Clare Harper is joined by leading smart building technology business Metrikus' CEO Gary Cottle (previously a global MD / Chairman at Nomura / RBS) and COO Michael Grant to discuss how the digitisation of buildings can increase well-being and transform profits for property investors. The episode includes how real-time data capture can enable smarter decisions, making buildings and employees more efficient, profitable, healthy and better for the environment. Episode highlights include: Why a busy, stuffy room is worse for productivity than drinking 2 pints of beer Why the biggest environmental crisis could be inside our buildings How live data can be used to save costs and increase business and investor returns Optimising New Build and Build to Rent schemes from day 1, to help investors and tenants alike Resources: Web: metrikus.io Gary Twitter: @cottlegs Gary LinkedIn: https://www.linkedin.com/in/gary-cottle-564508b3/ Michael LinkedIn: https://www.linkedin.com/in/mgrant26/?originalSubdomain=uk Metrikus Twitter: @loveyourassets annaclareharper.com https://www.linkedin.com/in/annaclareharper/
25:49
November 28, 2019
Artificial Intelligence, data-driven decisions and proptech shaking up mortgage lending with Proportunity Co-Founder Vadim Toader and Anna Clare Harper
In this episode, Anna Clare Harper and Vadim Toader discuss Artificial Intelligence as a tool for forecasting house price growth and making better lending decisions. Vadim is an Entrepreneur First alumnus and Forbes ‘30 under 30’ listed Proptech Founder with a  first-class Masters degree from Oxford in Engineering, Economics and Management. He co-founded the Savills-backed startup and FCA-authorised lender Proportunity, which uses machine learning as a way to predict property price rises and optimise lending decisions. The business was recently voted the ‘UK’s best proptech startup’ by Techworld. Episode highlights include: Pushing the limits of first-time buyer mortgage lending by quantifying and modelling risk and returns, and making decisions driven by data How to understand value and forecast future house price growth using AI How local drug usage, sexuality and coffee shop menus influence lending decisions How the idea for Proportunity arose: from Vadim’s own property search and experience at Europe’s biggest incubator, Entrepreneur First. Working out the areas with strongest property price growth prospects in London, in an uncertain market Resources: https://proportunity.co/ @Vadim_Toader Twitter @proportunity_uk Twitter annaclareharper.com https://www.linkedin.com/in/annaclareharper/
33:06
November 14, 2019
Ed Mead FRICS, co-founder of Viewber, veteran agent and Non-Executive Director of Douglas & Gordon and The Property Ombudsman discusses on-demand property viewings disrupting estate agency
In this episode, Anna Clare Harper and Ed Mead FRICS discuss how traditional estate agency needs to evolve, and how property viewing service Viewber is shaking up the process of buying, selling and letting residential property through what has been described as ‘the Uber of property viewings’. Ed is a high-profile former London agent with 37 years’ experience. He is also a Non-Executive Director of London estate agent Douglas & Gordon and The Property Ombudsman. He has built a profile as one of the industry’s leading commentators, from two BBC TV series to writing regularly for The Sunday Times and The Telegraph as a property and agency expert. So, he is incredibly qualified to discuss the industry and its pain points! Episode highlights include: Ed’s inside view on what’s really happening in estate agency - from referral fees to the impacts of new regulations Red flags around traditional practices that are now driving innovation How the new ‘Amazonised’ generation of property buyers will demand change Why landlords are abandoning agents and seeking different ways to let and manage their properties Resources: Viewber.co.uk @ed_mead twitter http://ed-mead.com annaclareharper.com https://www.linkedin.com/in/annaclareharper/
22:57
October 31, 2019
Proptech innovation with Angelica Krystle Donati, Proptech Founder, Venture Capital Investor, CEO and Forbes Commentator and Anna Clare Harper
Why is ‘proptech’ hitting the headlines? Angelica Donati, a Proptech Venture Capital investor, regular Forbes contributor and CEO of International development company Donati Immobiliare Group discusses how the property sector is changing through technology and innovation with Anna Clare Harper. The episode includes why innovation and change is critical for the survival of businesses in property and construction in this new, consumer-focused world. It touches on some of the most exciting areas of innovation in the real estate sector right now, and the importance of technology as a problem solver, not a sticking plaster or shiny object. Anna and Angelica discuss how proptech is breathing new life into struggling parts of the property sector, as well as the mistakes businesses often make when adopting proptech. If you want to know more about one of the few areas of the UK property market that continues to attract substantial investment,  and hear how proptech is enabling the property sector to evolve, this episode is for you. Resources: https://angelicadonati.com/ https://www.forbes.com/sites/angelicakrystledonati/#2d1d16b92583 Twitter: @angiekdonati LinkedIn: https://www.linkedin.com/in/angelica-krystle-donati-63372b11 Facebook: @AngelicaDonatiProperty Instagram: @angidonati http://annaclareharper.com/ https://www.linkedin.com/in/annaclareharper/
12:24
October 17, 2019
Leading branding expert Steve Edge discusses the importance of inspiration and innovation vs information in property with Anna Clare Harper
Series three continues with one of the world's leading brand experts, design agency founder and TEDx speaker Steve Edge, whose clients range from Cartier to the UK's leading Build to Rent operators. Steve joins Anna Clare Harper to discuss innovative branding for people and places. He shares his tips for finding your unique brand strategy and explains how the power of branding can add value to your business in the current property market. With a fascination for the arts from a young age, Steve started his career in a top London graphic studio and was soon picked to work on Star Wars and Raiders of The Lost Ark films. Steve established his own design agency over thirty-five years ago, yet his branding expertise still remains in high demand by leading names such as Cartier, Dior, Skanska, Fortnum and Mason, Hamleys, Purdey Gun and Rifle Makers, and Essential Living. Steve believes that storytelling is key to successful branding. He works closely with clients to understand what makes them unique and incorporates this into the big idea behind the design. In this episode of The Return, Steve tells us why it’s important to make your brand message inspirational instead of ‘informational’ in order to stand out in a crowded marketplace. He believes it’s a scientific process when building a bold branding story that pushes the limits in an industry that’s historically been slow to adapt to trends such as property. Whether you are selling or investing, if you’re interested in finding out how to stand out from the crowd in this competitive digital world, this episode is for you. Resources: www.steve-edge.com www.steve-edgeworld.com www.annaclareharper.com https://www.linkedin.com/in/annaclareharper/
25:18
October 3, 2019
Property specialist and International Investor John Corey talks Value, Strategy and Innovation with Anna Clare Harper
Kicked off Series 3 of The Return with Property Fortress founder, former computer scientist, Host of the London Real Estate Meetup, NED & International Investor John Corey.  We discussed the importance of strategy, value and innovation - the theme of Series 3 - in this complex environment. Massachusetts-born John once worked for Steve Jobs at NeXT in Silicon Valley, where he made his first foray into property investment. Fast forward a few years and now with a property portfolio spanning from Hawaii to London, John founded property resource platform Property Fortress and brings property professionals and industry leaders together to share knowledge, skills and tools. In this episode of The Return, John explains the rationale behind his own 'buy and hold' strategy and why he avoids property development. For those looking for the next proptech innovation, John reveals his commonsense ideas for bringing value to landlords and tenants. If you’re looking for ways to capitalise on value and innovation, or define or refine your approach to property investing, this episode is for you! Resources www.propertyfortress.com www.facebook.com/John.B.Corey.Jr/ www.linkedin.com/in/johncorey/ www.annaclareharper.com https://www.linkedin.com/in/annaclareharper/
42:17
September 19, 2019
5 questions to ask, before you invest in UK residential property - Anna Clare Harper
UK residential property remains one of the most attractive investments available to many investors, seeking long term returns, without too much hassle. But the market has changed thanks to political, economic, social, technological and legal and regulatory shifts. Right now, investors of all scales are facing the prospect of no, low or negative real returns, uncertainty about the future, and the difficulty of accessing opportunities that suit their needs, resources and the market context. The truth is, residential property is not as 'easy' as it once was: investors need to understand and navigate a complicated market. To succeed in this fast-changing, uncertain context with so many new regulations to comply with, investors of all scales need to be more strategic, value-focused, and professional in their approach. As market and regulatory pressures have grown, so have the chances and costs of making poor decisions, and expensive mistakes. Investors with access to funding run the risk of missing out on opportunities, and even losing out on hundreds of thousands of pounds each year by not making the wrong decisions, making no decisions at all, or not acting strategically and professionally. This episode shared 5 questions to ask and answer, to help you to define a clear strategy, suited to your goals, situation and the market. Ultimately, the answers will help you to answer the question I am so often asked: how can I invest in UK residential property, grow wealth and leaving a lasting, positive legacy, regardless of what is happening in the market? Resources: This episode was originally written as an article for What Investment Magazine: https://www.whatinvestment.co.uk/the-magazine/ www.annaclareharper.com https://www.linkedin.com/in/annaclareharper/
09:36
September 5, 2019
Strategic Property Investing: Book Preview - Anna Clare Harper
A sneak preview of Anna’s upcoming book, Strategic Property Investing. This episode shares why, how and who it’s for (and, who I am).  For potential investors across the world, investing in UK property is not only right of passage, but a signifier and determinant of success.  For more than 20 years, it has outperformed the alternatives available to many. And It has been seen as one of the best investments available, in particular for busy private investors looking to grow wealth, building a more secure financial future, without sacrificing their time.  But the UK property market is fast-changing and increasingly complex. Approaches which once seemed to guarantee success, without much effort, are no longer viable.  UK property remains one of the most attractive asset classes available. But to succeed in this fast-changing, uncertain context, without sacrificing their time, investors of all scales need to be more strategic, value-focused, and professional in their approach, and they need to understand and navigate a complicated market. This is easier said than done. As market and regulatory pressures have grown, so have the chances of making poor decisions, and expensive mistakes. The types of investor I’ve worked with over the course of my property career so far often have access to funding in excess of £1,000,000. And right now, they risk not only missing out on opportunities, but losing out on hundreds of thousands of pounds each year by not understanding the market, and how value is affected, and through not acting strategically and professionally.  This book is not just for investors whose wealth and incomes bring them into the top percentile, financially. Investors of all scales are facing the prospect of no, low or negative real returns, uncertainty about the future, and the difficulty of accessing opportunities that suit their needs, resources and the market context.  My goal with this book is to enable investors to: More confidently navigate a complex UK property market More easily and efficiently access opportunities, without wasting time, money or effort Drive sustainable, value-driven rewards. This book shares what I’ve learned, both directly and vicariously, through 10+ years focused on the property industry and as a professional consultant, across many millions of pounds worth of deals and strategies. Ultimately, it seeks to answer the question so many ask: how can I build a UK property residential property portfolio, growing wealth and leaving a lasting legacy, regardless of what is happening in the market - from Trump tweeting, to Brexit? Find out more: annaclareharper.com 
11:04
August 22, 2019
Three (low cost, simple) ways innovation can help to reduce inequalities in the UK property market - Anna Clare Harper
It’s no secret the UK housing market has major imbalances and inequalities - for aspiring investors and tenants alike. With little, marginal changes, innovation and technology have the potential to help open up aspects of the market, and so contribute to reducing a long-standing issue: inequality of opportunities. In another ‘between series’ of the podcast, I shared 3 ways innovation can help to reduce inequalities of opportunity in the residential property market - each on a very small scale, but with huge potential reach. This episode highlights just a few of the many free and low cost innovations that can be easily accessed by ordinary investors, and that have positive externalities beyond the cost to the user through: Increasing efficiency,  Better targeting what consumers want, and Opening up opportunities,  To ultimately help reduce inequalities of opportunity in the UK housing market at the margin for tenants and investors alike.This was originally an article written for the Cambridge University Land Society Magazine titled, “3 ways innovation can help reduce inequalities in the UK housing market”. It touches on the trend towards a more consumer-focused market, for investors and tenants alike. It highlights how some specific innovations are having an impact on many people, ultimately helping - albeit in marginal ways - to rebalance resources, through: Alternative finance platforms Free and low cost data availability Standards and efficiency of management.  If you’re interested in innovation and the social impacts it can have in the property market - the positive externalities - this episode it for you.  Resources: Cambridge University Land Society Magazine https://www.linkedin.com/in/annaclareharper/
11:14
August 8, 2019
3 things you need to know about wealth preservation in an uncertain market - Anna Clare Harper, Property Fund Co-Founder and Property Strategist
As a bonus episode between series 2 and 3, Anna shares an article that she recently wrote for leading Small- and Medium-sized property investor magazine, Property Investor News (PIN), about preserving wealth in an uncertain market.  Anna shares 3 reasons why wealth preservation strategies have become more desirable for investors of all sizes, by minimising risk and maximising value in an uncertain market.  The key themes include: Why a slow and steady approach can be a great choice How risks have increased in property investment over the past few years What investors can do to avoid expensive mistakes - and frustration Website: www.annaclareharper.com
12:38
July 25, 2019
Changes and Challenges - Series 2 Round-Up with Anna Clare Harper, Real Estate Investment Strategist, Investor, Entrepreneur and Podcast Host.
In this episode, Anna reviews Series 2 of The Return podcast and considers the themes that have been covered on the show. A tidal wave of changes and challenges across the Political, Economic, Social, Technological and Legal landscape has hit small and medium residential property investors hard. Anna talks about how she and many other property businesses and investors have changed their approaches in recent times to adapt to the opportunities that are available now.  Anna also gives a sneak peek at what’s coming up in Series 3.  The key themes include: Huge change in the market, and need to think strategically, as recent changes mean old approaches no longer work so well Where to find value, and how to approach it in this new environment - maximising returns and minimising costs through strong deal and operational management  What industry experts are doing to adapt to changing conditions Website: www.annaclareharper.com
09:12
July 11, 2019
Knowing The Market – Anna Clare Harper talks to Lucian Cook, Head of UK Residential Research at Savills and one of the country’s most respected UK housing market commentators.
In this episode, Anna and Lucian discuss how the Prime and Mainstream UK residential markets have been affected by recent change and uncertainty. They look at the data Savills uses to gain market insight and what the future holds for property investors. Lucian also shares some great advice for private investors and provides context to current fragile market sentiment. Highlights include: How Prime and Mainstream residential market drivers differ What house prices will look like over the next five years Why private investors must understand competition from institutions How Brexit will affect the housing market – today and tomorrow Resources: Website: www.savills.co.uk Twitter: @LucianCook LinkedIn: Lucian Cook
24:20
June 27, 2019
Leading the Crowd – Mike Bristow, CEO and Co-Founder of CrowdProperty, the UK’s leading peer-to-peer (P2P) property lender talks to Anna Clare Harper
In this episode, Anna and Mike discuss how P2P lending is supporting small and medium-sized developers to meet the UK’s housing needs.  Mike shares his thoughts on how quality data plus human expertise can inform better decision making by lenders and explains why Alternative Finance will simply become mainstream finance over the next few years. Highlights include: How peer-to-peer lending solves both lender and borrower problems  Best practice approaches to balancing risk and reward  How and why P2P for property will continue to grow over the coming years  Resources: Website: www.crowdproperty.com
19:10
June 13, 2019
Development for Small Investors – Anna Clare Harper talks to Nicole Bremner, Property Developer, Investor and Founder of East Eight and London Central Developments
In this episode, Anna and Nicole discuss the changing face of development for small and medium-sized property investors.  Nicole gives some great advice for property investors thinking about going into development and shares why she has diversified her investments into sectors other than property in recent years. Highlights include: How Nicole started out in property development Why development has become a very risky strategy in recent years What small developers need to know to sleep well at night Resources: LI: Nicole Bremner Instagram : @nsbremner Twitter : @NicoleBremner FB: Nicole S Bremner Website: www.nicolebremner.com Podcast: www.nicolebremner.com/podcasts
20:20
May 30, 2019
Investing in the future of construction - Apprenticeships with Paul Ruddick and Anna Clare Harper
In this episode, Anna Clare Harper finds out about construction apprenticeships in London with Paul Ruddick, Co-founder of K10, London’s largest construction-specific Apprenticeship Training Programme (ATA). Anna and Paul are joined by Peter Bannister, Senior Apprenticeship Programme Manager and George, an apprentice Site Manager on the scheme.  Anna and Paul discuss why apprenticeships are vital to address the current construction skills crisis, which is a factor limiting the supply of new buildings.  Peter explains how K10’s approach offers a win/win solution for contractors and apprentices and George outlines how the K10 programme has put him on track for a £60-70k salary within seven years.  Highlights include: How 40% of the construction workforce is due to retire within the next decade. Why taking on apprentices makes commercial sense and has a positive social impact. How the construction sector should see the industry skills shortage as an opportunity.  Resources:  https://www.k-10.co.uk/ LinkedIn: https://www.linkedin.com/company/k10 Facebook: https://www.facebook.com/K10socialimpact/ Instagram: @k10apprenticeships Twitter: @K10socialimpact
28:49
May 16, 2019
Through the Lender’s Lens - Anna Clare Harper talks to Ben Barbanel, Head of Debt Finance at OakNorth, a leading UK business challenger bank providing business and property loans to SMEs
In this episode, Anna and Ben discuss OakNorth’s approach to lending and how they use a combination of data-driven and human decision-making processes. They look at how challenger banks are addressing the finance issues experienced by property investors and developers and why OakNorth’s loan book currently stands at £2bn and rising, with continuing strong demand. Ben also shares some great advice for beginner investors and explains why there’s plenty of reason for optimism in the face of uncertainty. Highlights include: Why property investors need to professionalise and learn the trade What lenders are looking for in successful applications Why no branches doesn’t mean no human interaction How the use of technology and data benefits bank customers Resources: www.oaknorth.com
17:13
May 2, 2019
What ordinary property investors can learn from institutions - Alexandra Thur, Founding Partner of Multi-Billion Dollar Real Estate Investment Businesses, and Anna Clare Harper
In this episode, Anna Clare Harper finds out why institutional investors are increasingly investing in residential property and what small and medium sized investors and business owners can learn from their approach with Alexandra Thur, Director of Willow Isle Capital, Partner and Investment Director of Castelnau Estates and Founding Partner of two Multi-Billion Dollar Real Estate Investment Businesses. Anna and Alexandra examine who institutional investors are and how they differ from SME investors in some surprising ways. Alexandra gives a great overview of ground rent investment and the appeal of this long-term, stable asset class to investors. Anna and Alexandra also cover the impact of a fast-changing UK property market from an institutional perspective and how one investor’s uncertainty is another’s opportunity. Highlights include: Who the different types of institutional investor are and their investment criteria What ground rents are and how changes have affected this sector How the point where institutional interest ends marks the beginning of opportunities for smaller investors Why institutional investors now own c. 10% of UK property Resources: Email: thur@willowisle.com Website: www.willowisle.com
21:01
March 29, 2019
Tackling Tax. Anna Clare Harper talks to Tony Gimple, Founder of the UK’s leading tax and estate planning consultants for landlords
In this episode, Anna Clare Harper discusses the impact - and opportunities - created by recent tax changes for property investors of all sizes with Tony Gimple, Founding Director of Less Tax 4 Landlords. Anna and Tony explore how tax changes have been used as an instrument to professionalise the UK property sector. They also cover how individual and institutional investors can still find great returns, by shifting to a long-term focus. Highlights include: How Section 24 is impacting landlords. Why being a passive landlord is no longer a viable option in the current market. How you need to get to grips with the detail to thrive in property. What investors looking to leave a legacy to their children need to know.  Resources: https://lesstax4landlords.co.uk
16:52
March 14, 2019
Beyond Beige – Anouska Tamony and Anna Clare Harper discuss getting better returns through interior design
In this episode, Anna Clare Harper  finds out how interior design can increase Return On Investment for  developers, investors, in fact anyone selling or renting a property,  with the Founder of Award-winning London Design Studio, Anouska Tamony  Designs. Anna and Anouska explore why interior  design is important, especially in a stagnating market. They also cover  the importance of knowing your target market and where to concentrate  your efforts for maximum impact if you have a limited budget. Anouska  explains how involving a professional designer can help to speed up  property sales and even the construction process, in surprising ways. Highlights include: Understanding  interior design’s role in speeding up purchase decisions, by making  potential buyers fall in love with the property How to research your target market and set a budget for design How to make the most of a professional design studio in the development process – from start to finish Top tips for a high-quality finish, with a limited budget How to re-invigorate a property that isn’t selling Resources: Email: studio@anouskatamony.com Website: http://www.anouskatamony.com/ https://www.facebook.com/AnouskaTamonyDesigns/ Instagram and Twitter: @anouskatamonydesigns
24:44
February 28, 2019
The Perfect Fit – Modular construction with Anna Clare Harper and Paul Ruddick
In this episode, Anna Clare Harper  discusses the benefits of modular construction with Paul Ruddick, MD of  the UK’s leading modular construction design and build contractor,  Reds10. Anna and Paul explore what modular  construction is and how the technology can boost build quality, while  reducing cost and build time. They also cover Paul’s passion for  training young people to address the UK’s construction skills shortage  and why modular construction is the perfect fit in a time of uncertainty  and increased regulation. Highlights include: Modular  construction – how the technology combats many of the problems  associated with traditional construction, including the skills shortage. Paul  Ruddick’s journey from QS to owning a company with a £20m turnover in  2018 and a goal of £100m turnover in the next three years. Making the most of modular construction. How the UK government is playing a major role in promoting the technology’s adoption. Resources: https://www.reds10.com/ https://www.offsitehub.co.uk/home/ https://www.k-10.co.uk/ Connect with Paul Ruddick on LinkedIn: https://www.linkedin.com/in/paul-ruddick-01b06a11
31:20
February 28, 2019
Profits, problems and planning in the UK property market, with Anna Clare Harper and planning expert & property developer, Paul Higgs
In this episode, Anna discusses the  commercial reality in the property development space and the dynamics  around the UK’s planning system with chartered planning and development  surveyor and founder of an award-winning multi-million-pound development  company, Paul Higgs. The episode covers the reality behind  the UK’s planning system and the potential problems regarding its  application, in theory, the opportunities planning opens for investors  and property developers. It looks at modern methods of construction as a  potential solution to the housing shortage in the UK, land banking and  whether it truly exists, and gives insights on how to unlock value  through planning. Highlights include: – The UK planning system and how it works, as well as its unique points from a developer and investor perspective – The biggest opportunities in the planning space within property in today’s market for investors and developers – The  possibility for the UK planning system to protect property value for  potential investors and cope with the country’s housing shortage at the  same time – Tips on unlocking value in property through planning – Land banking and the potential drivers behind the concept Resources: Connect with Paul on LinkedIn: www.linkedin.com/in/paul-higgs Connect with Paul on Facebook: www.facebook.com/paul.higgs.50 Connect with Millbank on Facebook: www.facebook.com/MillbankLandAcademy Website: www.millbanklandacademy.co.uk Booking link for next webinar on Feb 6th: www.millbanklandacademy.co.uk/masterclass YouTube channel: www.youtube.com/channel/UC93cmPAhBlXC_4fmMDctZnA
24:04
February 28, 2019
Oxbridge Professor, Business Owner and Investor, Andrew Baum, on Tech, Theory vs Reality, and Teaching Property Investment
In this episode, Anna discusses how technology and theory can be used to make better investments, as well as leading multimillion-pound investment businesses whilst teaching at Oxford & Cambridge, with Professor Andrew Baum.   Andrew has combined an academic career including professorships at Oxford and Cambridge, with leading several multi-million-pound investment businesses. He is currently Chairman of Newcore Capital management, Chairman of consulting company Property Funds Research and Visiting Professor of Management Practice at the Saïd Business School, University of Oxford. Highlights include: The social obligation of investors – greedy investors don’t win! The importance of fundamental principles of investment – markets are generally efficient, and there are very few free lunches, which means speculative development to sell is like gambling Value investing – buy things that are worth more than you pay for them, with strong yields for the long term where possible The power of options – select assets that are performing well today with great upside potential The importance of never using the present tense (e.g. the stock market is rising) only ever explain what has happened (the stock market has risen)   Resources: http://www.propertyfundsresearch.com/ http://www.newcorecapital.com/
30:38
January 17, 2019
Goals in property investment – special start of 2019 episode with Fredrik Sandvall
In this episode, Anna discusses goals with a multi-million-pound investor, advisor and podcast host, Fredrik Sandvall.   When Fredrik came to the UK, he and his brother (who didn’t even have a UK bank account) had a goal of investing £2.5m. Part way through the year, they doubled their goal…twice… and they achieved it!   Fredrik also hosts two top-rated podcasts about investing and has written several best-selling books about investing – both financially, and in yourself.   So he’s brilliantly qualified to talk about goals – a hot topic at the end of one year, and the start of the next. This episode includes: Frameworks and tools for setting goals for the new year The power of outside external influences for achieving your dreams Looking back on past goals and achievements Tips and tricks for making sure you reach your goals   Resources: https://sandvallinvest.com/ http://fundx.global/ The 12 Week Year – https://www.amazon.co.uk/12-Week-Year-Others-Months/dp/1118509234 – https://www.goodreads.com/book/show/10009377-the-12-week-year Invest in You – Fredrik’s podcast which includes episodes ranging from Ray McClennan, to Grant Cardone – https://itunes.apple.com/gb/podcast/invest-in-you/id1353355236?mt=2 Investing Skills Podcast https://itunes.apple.com/gb/podcast/investing-skills/id1445899547?mt=2
19:07
January 3, 2019
The Value of having a mentor with grey hair, in a fast-changing market, with John Corey, Founder of Property Fortress and Host of The London Real Estate Meetup
In this episode, Anna discusses the value of having a mentor with grey hair, with the Host of one of the longest-running property events in London, the London Real Estate Meetup, and Founder of Property Fortress, John Corey.   The episode includes 7 ways having a mentor can help property investors. This has never been more important than if you’re investing in UK property today, as the market is changing rapidly and full of new challenges. And a mentor with grey hair means they’ll have experience through market cycles and past changes…   Highlights include: The importance of factors such as expanding your network, accelerating learning, acting as a sounding board, and learning from their experience rather than reinventing the wheel. Avoiding mistakes others have made, thinking strategically, setting goals, encouraging development, and helping with big decisions.   Resources: https://www.propertyfortress.com/start/
26:28
December 20, 2018
Fine Wine vs Real Estate, with Senior Portfolio Manager at Cult Wine Investments, Jack Chapman
In this episode, Anna discusses fine wine vs real estate, with Senior Portfolio Manager at Cult Wine Investments, Jack Chapman. Especially in an uncertain and fast-changing market, it makes sense to have a balanced portfolio. And fine wine can be a great ‘balancer’ to property… In this episode, Jack and Anna discuss: The importance of factors such as location for wine vs property Wealth preservation through wine / property investments, and using ‘the alternative of all alternatives’ as a hedge against volatility Practicalities – ways to invest, affordability, liquidity, tax dynamics, and what happens if it all goes wrong If you like wine, property and the idea of keeping your money in something tangible that holds value in volatile times, this episode is for you. Resources: Cult Wine Investments – www.wineinvestment.com Trading and data for fine wine – https://www.liv-ex.com/
27:44
December 13, 2018
UK Property Investment headlines & opportunities with Richard Bowser, Editor of top industry magazine, Property investor news
In this episode, we were privileged to speak to the Editor of one of the best-regarded magazines in the industry, Property Investor News, Richard Bowser, about recent property investment headlines and news, and huge opportunities in the UK property market, today.
17:06
November 29, 2018
Changes and opportunities in the UK property market
In this episode, Anna shares her thoughts on what’s changed and changing in the UK property market, and how investors can see opportunity between the doom and gloom headlines.
17:06
November 29, 2018
Relaunch: Intro to Series 2
In this episode, we share what series 2 of The Return: Property & Investment Podcast is all about (UK property investment, in a fast-changing market), what’s changing (a lot!), who it’s for (active and aspiring UK property investors), and what you can expect to get from listening to this series: insights, information and ideas for investors, in a fast-changing UK property market.
08:53
November 29, 2018
The Age of Anomoly: financial crises, and investing in property, crypto and gold with best-selling author, YouTuber and Economist Andrei Polgar
Andrei Polgar is a highly respected economist, investor, best-selling author and Founder one of the most popular economics platforms online, used in schools and universities worldwide… And he believes we are set for a serious, global financial crisis. Listen in for: – Terrifyingly convincing evidence that we are set for a global financial storm – What we need to know from economic history – Why a portfolio of property, gold and crypto may be the best way to protect yourself Andrei has just launched a book, The Age of Anomoly, which is heavily discounted during its launch – links below! Links and resources: One Minute Economics contest: https://www.youtube.com/watch?v=0knwDyqDVTw Book links: https://www.kobo.com/ww/en/ebook/the-age-of-anomaly-spotting-financial-storms-in-a-sea-of-uncertainty https://itunes.apple.com/us/book/age-anomaly-spotting-financial-storms-in-sea-uncertainty/id1331704265 https://www.barnesandnoble.com/w/the-age-of-anomaly-andrei-polgar/1127084693?ean=2940155383970
32:39
August 9, 2018
Crypto-currencies, with Head of Education at LBX (the UK’s leading exchange) and Founder of Bitmera, Jacob Papageorgiou
In this episode, we talked crypto with Jacob Papageourgiou, long term investor, Founder of Bitmera, a crypto education platform, and Head of Education at London Block Exchange, a leading UK crypto exchange platform. Jacob discusses risk averse crypto investing,  starting investing as a hobby on the side of a demanding career, and taking time over new investment decisions. The interview includes: How to define a crypto investment strategy, whether you’re risk averse or risk tolerant, using traditional investment practices such as portfolio diversification and market timing The importance of research, and the crucial questions to ask before you buy, if you’re looking at crypto opportunities The difference between investing in and speculating with crypto The interview was recorded when Jacob was balancing a demanding City career with his crypto passion and portfolio. As he’s since committed fully, the interview is great for anyone looking to test an investment strategy on the side, before diving in to investing fully – in crypto or other asset classes. Resources: Coinbase – www.coinbase.com – platform for exchange and storage The Internet of Money 1 and The Internet of Money 2 – Andreas M. Antonopoulos (book, audio book or youtube) – for conceptualising crypto Mastering Bitcoin: Unlocking Digital Cryptocurrencies – Andreas M. Antonopoulos – for a more in depth overview Reddit – sub-Reddit: cryptomarkets Coindesk – www.coindesk.com – for crypto news Coin Telegraph – www.cointelegraph.com Cointelegraph Bitcoin & Ethereum Blockchain News Bitmera – www.bitmera.com – crypto education London Block Exchange – www.lbx.com – ‘the UK’s first dedicated cryptocurrency exchange built to help consumers and institutions join the digital money revolution’ Medium.com
31:15
July 26, 2018
Private Equity, with ex-Terra Firma, Forbes 30 Under 30 awarded Founder of Starlake Capital, Melvin Chen
Investing in businesses: Private Equity. The Return interviewed the ex-Terra Firma, Forbes 30 Under 30 awarded Founder of Starlake Capital, a rapidly rising Asian Private Equity company, to demystify the world of Private Equity and Venture Capital. The interview, with Melvin Chen, includes: What Private Equity is really about, and how it differs from alternatives – for example in liquidity, and returns How Private Equity performs (typically 25% IRR), and why What’s happening in the Private Equity world, including the impact of technology, regulations, and global trends such as growth in Asian Private Equity Melvin sheds light on what is often considered a murky asset class, which few people understand, and gives some great insights on what’s happening in the asset class.   Resources: Databases – preqin.com Specialist publications, e.g. penews.com, www.privateequitywire.co.uk General publications – ft.com / www.wsj.com Specialist consulting companies, e.g. starlakecapital.com
26:25
July 19, 2018
Dividend investing with world-renowned dividend blogger, Ben Reynolds
The Return interviewed one of the world’s leading bloggers on dividend stocks, Ben Reynolds of www.suredividend.com, to talk long term, income-generating dividend growth investing. The interview includes: 8 rules for dividend investing How to find the right stocks to buy, and when to sell (rarely!) The importance of science over emotion in stock market investing for the long term The interview dispels the myth that stock market investing is just about short term buy and sell decisions or gambling, and gives some great tips about how to get started and keep going, even when the market falls… Resources: www.suredividend.com (check out the Dividend Aristocrats list) www.dividendgrowthinvestor.com DRIP investing resource centre http://www.dripinvesting.org/
38:03
July 12, 2018
Jewellery with Founder / Creative Director of one of the top contemporary jewellery businesses in the UK, Tessa Packard
Investing…made beautiful!! Find out how to buy jewellery – as a store of wealth, a balancer for other more traditional investments, or just as a gift (for yourself or for a loved one!)! Find out: Top tips on how to buy jewellery, and avoid feeling flustered – wherever you are buying from How to research and understand what drives value in the jewellery world About the importance of expression and sentiment vs raw materias, for investing in jewellery – which can’t be quantified! If you’re interested in investing in something you love, something you can wear, and something beautiful, this episode is for you! Resources: www.tessapackard.com  
45:53
July 5, 2018
Buy to let property investment with multi-millionaire landlord and highly-regarded author Angela Bryant
UK property investing – is buy to let dead? We asked multi-millionaire landlord and author of one of the most highly regarded books on property investment, Angela Bryant, what’s really going on in the property market.   Angela has bought 100+ properties and has 20+ years’ experience under her belt, yet remains incredibly humble… Find out: If buy to let is worth the hassle, in the current market context Reducing costs in your property portolio The unanticipated impacts of policy change on homelessness The risks and rewards in stocks and shares vs property
38:04
June 21, 2018
Property investing and developing, with multi-millionaire investor, developer and Founder of the UK’s largest property training business, world record holder and #1 best selling author on Amazon, Mark Homer
Co-Founder of the UK’s largest Property Training business (Progressive Property), prolific multi-millionaire property investor and developer, World Record Holder, and #1 best-selling author, Mark Homer on how to get started in UK property investing, and how to scale up. Mark started small, and has now developed 550+ properties and manages 720+ properties, so is the perfect person to discuss getting started and scaling up in property investment and development. The interview includes: – How to get started – from who not to listen to, to learning along the way – How to scale up sustainably, and profitably – Keeping up with regulations, market trends and taxes affecting the property market, and keeping an eye on the past, future and other assets Resources: www.progressiveproperty.co.uk  
39:30
June 6, 2018
Property investing, with CEO and Founder of Inspired Assets, Martin Skinner
Profiting from exciting UK property investment opportunities without a big deposit or mortgage… And more affordable housing for end users, at a time when so many people who want to, can’t afford to invest in, buy or even rent a property. In this episode, we discuss the exciting approaches being taken to open up the property market to investors and consumers, by one of the UK’s fastest growing property companies. The Founder and CEO of Inspired Assets, Martin Skinner, explains: How ‘intensifying the use’ of property assets can generate higher returns for investors, as well as delivering more affordable housing for end users How indirect property investment puts power in the hands of the investor, in a more efficient way, and enables you to invest in property without a large deposit or mortgage, What exciting technologies developers are bringing in to their projects, and their impact – on cost base and consumers
32:23
May 24, 2018
Pensions, with Howard Brindle, Deputy CEO and COO of UK’s largest private pension fund, USS
Retirement might seem a long way off. But with increasing life expectancies, you could easily be relying on your pension for 1/4 to 1/3 of your life (longer than you were at school!) Which makes pensions important to understand…But where to start? We had the privilege of interviewing Howard Brindle, the Chief Operating Officer and Deputy Chief Executive Officer of the UK’s largest private pension scheme, USS to discuss what you need to know about pensions. The interview includes: How the different types of pension work How regulations and taxes influence outcomes for individuals and their future lifestyles Why pension funds are becoming some of the most powerful investors in the world!   Resources: www.uss.co.uk https://www.moneyadviceservice.org.uk/en https://www.pensionwise.gov.uk/en
34:12
May 17, 2018
Tech Start Ups, with Serial Entrepreneur and Investor, Michael Dent
Entrepreneurialism and technology are part of the career and lifestyle goals for so many of us. But what is it actually like to invest in tech start ups?? To find out, we interviewed Michael Dent, a serial tech start up investor and entrepreneur. His experience ranges from co-investing with the Founder of Purple Bricks in Lavanda, to founding hot ‘proptech’ business, PropertyData. In this interview, you’ll find out: – What it’s really like to invest in tech start ups – a rollercoaster ride from the huge returns to ‘total loss of capital’ (on 6/10 investments!) – What you really need to know, before you invest in tech start ups – Top tips on what to look for, and what to avoid if you’re looking at a start up investment – from fancy offices to big name advisers Find out more: http://michaeldent.com/ www.PropertyData.co.uk
32:56
May 10, 2018
Crowd-funding, with Davin and Atuksha Poonwassie
Crowd funding is revolutionising the way ordinary people can invest, and opening the doors to the world of investment. Unlike many of the more traditional approaches to investing: 1. It’s accessible… All you need is a laptop or smartphone and a small amount available to invest. 2. It lets you be part of inspiring projects and exciting products that you’re passionate about 3. It’s hassle free and flexible. You can choose when and how, and what investments you get involved with, from your living room… it can be as quick and easy as internet shopping! In this episode, you’ll discover from Davin and Atuksha Poonwassie, founders of the fast-growing, very exciting crowd-funding platform, Simple Crowdfunding: 1. What crowd funding is all about, and the different types of crowd-funding available 2. How it works, and how you can get involved in projects your passionate about, without hassle! 3. What to look out for if you’re researching your first or next crowd-funded investment
32:19
May 3, 2018