In this episode of the Scottish Property Podcast, Nick and Steven return with a jam-packed market update, covering everything from global economic trends to local property prices. They dive into the latest landlord legislation, interest rate forecasts, and the growing shift from amateur landlords to serious portfolio investors.

Key Highlights:

📉 Mortgage Market & Interest Rates

• Why the IMF is predicting three interest rate cuts this year

• How global trade tensions (yes, Trump again) could bring cheaper goods to the UK

• Latest 5-year swap rate and new limited company mortgage deals from The Mortgage Works

🏠 Scottish Property Price Trends

• House prices up 5.7% annually with East Renfrewshire leading at +10.6%

• Steven’s flip project in Dunfermline – who the buyers will be and how the numbers stack up

📈 Rental Market Update

• ONS rental data shows 5.7% annual increase in Scotland, but things are cooling

• Why agents are now reducing asking rents in Aberdeen and Glasgow

• The impact of fewer foreign students and increased supply

⚖️ Landlord Regulation & Housing Bill

• Labour’s proposal to jail landlords for illegal evictions

• Debate over rent controls, eviction rules, and the shifting narrative

• Why Nick took to the BBC to defend the landlord perspective

📊 Landlord Numbers & Social Housing

• 1,000 fewer landlords—but an increase in registered properties

• A shift from amateur landlords to serious portfolio players

• The shocking number of empty social homes despite a housing crisis

As the Scottish property market evolves, landlords are facing new pressures but also fresh opportunities. From political debates to mortgage updates, this episode gives you the full picture of what’s happening on the ground. Whether you're flipping houses, growing a rental portfolio, or just trying to stay ahead of the curve, this episode is packed with valuable insights and commentary.

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

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

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

John: www.instagram.com/john_property_auctioneer/

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

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

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

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

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

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

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

🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📩 Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

Steven and Nick sit down with Sean Spalding, a former 9-to-5er who transitioned into a full-time career in property. From being a listener during the early days of the podcast in lockdown, to becoming a sought-after property sourcer and refurbishment project manager, Sean shares his journey, the realities of grafting behind the scenes, and how he built a property-related business without owning a massive portfolio himself.

Key Highlights:

🛠️ From Sales to Sourcing

• Sean’s background in sales and how it helped him break into property

• The skills you don’t learn in a course but must master in real life

• Going from podcast listener to guest—what changed in 5 years

🏃‍♂️ Escaping the 9-to-5

• Balancing a day job, family, and building a business in the evenings

• How he used flexibility in his job to view properties and educate himself

• Taking the leap—using a credit card to pay for training

🔍 The Realities of Sourcing & Project Management

• How Sean got his first deal and built his early client base

• The truth about sourcing fees, mandates, and client communication

• Managing multiple refurb projects: the stress, systems, and lessons

📢 Marketing, Leads & Facebook Ads

• How Sean learned to generate off-market leads

• What works (and doesn’t) with Facebook ad campaigns

• Why follow-up is where the money is

#scottishpropertypodcast #propertysourcing #propertyrefurbs #financialfreedom #leavethe9to5 #dealpackaging #offmarketdeals #projectmanagement #glasgowproperty #propertyhustle #propertyeducation

In this special Dubai edition of the Scottish Property Podcast, Nick and Steven catch up with Calum White — one of the most recognisable names in Dubai real estate. Originally from Scotland, Calum is now the CEO of one of the top brokerages in Dubai, overseeing a team of over 400 people. In this high-energy episode, he shares how he built his business from scratch, the realities of life in Dubai, and what it really takes to succeed in one of the world’s most competitive property markets.

This is more than just a property chat — it’s an inside look at scaling a business, leadership mindset, adapting to high growth, and balancing ambition with lifestyle.

Episode Highlights:

🏢 Building Dubai’s Fastest Growing Brokerage

• How Calum grew from solo broker to 400+ staff in just 4 years

• The daily routines and leadership structure behind a high-performance culture

• Creating systems, training, and accountability to support scale

🚀 High Stakes, High Rewards

• Why real estate in Dubai is one of the highest levels of sales in the world

• The brutal reality of commission-only performance

• What separates top performers from those who don’t make it

🌴 Dubai Lifestyle & Business Insights

• The upsides of tax-free income, luxury living, and 10-minute Coca-Cola deliveries

• Distractions young agents face – and how discipline determines success

• Is Dubai property heading for a crash or just getting started?

💼 Mentorship, Standards & Growth

• Why Calum still walks the sales floor every morning

• Lessons from managing friends in business

• Advice for anyone thinking of making the move to Dubai

This episode is a masterclass in entrepreneurship, sales, and leadership from someone who’s walked the walk. Calum White's rise in the Dubai property scene is a story of hustle, systems, and focus — with plenty of inspiration and valuable takeaways for listeners across the property spectrum. Whether you're considering a move to Dubai or want to build a high-performance business anywhere, this episode is one not to miss.

In this episode of the Scottish Property Podcast, Steven and Nick are back from their first-ever international trip to Dubai—and they’re giving you the full rundown. From why they decided to hop on a plane to what went on behind the scenes, this episode sets the stage for a brand-new batch of episodes recorded in the UAE. Whether you’re a regular listener or just jumping in, this is your sneak peek into what’s coming and why it matters.

Key Highlights:

🇦🇪 Dubai Debrief

• Reflections on their March trip and what stood out

• Why this wasn’t just a holiday—it was a big step for the podcast

• How the trip pushed them outside their comfort zones

🎥 What to Expect in Upcoming Episodes

• A special series featuring interviews recorded in Dubai

• Topics covering international investing, mindset, growth, and more

• Guests from both the UK and UAE offering unique perspectives

🎙️ The Value of Going International

• Why it’s important to see how things are done outside the UK

• How networking and learning abroad can open new doors

• The benefits of expanding your property and business horizons

🔜 What’s Next for the Podcast

• A teaser of the guests and conversations to come

• The renewed energy Steven and Nick are bringing to future episodes

• Their continued commitment to giving value to the community

This episode captures the energy, insight, and anticipation of what’s to come as the Scottish Property Podcast goes global. It’s about more than property—it’s about growth, exploration, and taking bold steps toward the future. Tune in now and get ready for an exciting new chapter.

In the latest episode, Nick and Steven welcome back Mark Shanta, an estate agent, letting agent, and property investor. This engaging episode offers listeners a comprehensive overview of the key issues affecting landlords, tenants, and investors alike. The conversation spans a wide array of critical topics, from the immediate impact of recent governmental policy changes to the broader, ongoing dynamics of supply and demand within the rental sector

Key Highlights

• The impact of the Scottish government's policies on landlords and the rental market.

• The imbalance between rental supply and demand and its effect on prices.

• Concerns about new housing bill proposals, including winter eviction bans, pet ownership rights for tenants, and decoration rights.

• The shortfall in new home construction and the government's progress toward its housing targets.

• Discussions around landlord responsibilities for addressing damp and mold issues in properties.

The episode wraps up with a thorough examination of the current state of the Scottish property market, providing valuable insights for landlords and tenants seeking to navigate its complexities. Mark Shanta offers his expert advice and highlights the importance of fair practices and open communication in maintaining a healthy and sustainable property ecosystem.

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

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

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

John: www.instagram.com/john_property_auctioneer/

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

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

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

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

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

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

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

🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📩 Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode of the Scottish Property Podcast, Steven and Nick sit down with former professional rugby player turned property investor, Andy Cramond. Andy shares his incredible journey from playing top-level rugby in France to transitioning into property investment, development, and luxury home buying.

He discusses the lessons learned from his sports career, how he built his property portfolio, and his latest venture into apartment hotels and high-end real estate.

Episode Highlights:

🏉 From Rugby to Real Estate

• How Andy's rugby career took him from Aberdeen to France

• The impact of sports discipline on property investing

• Making the tough decision to retire due to injury

🏠 First Steps in Property

• Buying his first investment property in France

• The benefits of long-term fixed mortgages in France

• Renovating and flipping properties for profit

📈 Scaling in Property Investment

• Transitioning into property development in Edinburgh

• Working on serviced apartments and apart-hotels

• The growing demand for high-end rental properties

🏡 Luxury Home Buying and Portfolio Building

• Entering the high-net-worth property market

• Helping clients buy million-pound homes off-market

• The power of networking in securing exclusive deals

Andy Cramond’s story is an inspiring example of how skills from one industry can be successfully transferred to another. Whether you’re an investor looking to break into property or someone curious about high-end real estate, this episode is packed with insights!

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

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

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

John: www.instagram.com/john_property_auctioneer/

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

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

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

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

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

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

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

🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📩 Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode of the Scottish Property Podcast, Steven and Nick sit down with Jak Carlin, founder of Alley Up Agency, to discuss personal branding, social media marketing, and how property investors can leverage digital marketing to grow their business. From content creation strategies to paid advertising, Jak shares expert insights on what works in today’s competitive market.

Episode Highlights:

The Power of Personal Branding

• How to stand out in the property industry
• Why consistency is key to building an audience
• The “John Scale” approach to content creation

Social Media Strategies for Property Investors

• Choosing the right platform: LinkedIn, Instagram, or TikTok?
• Why engagement matters more than followers
• The biggest mistakes people make when marketing property

Paid Advertising: Facebook, Google, and Beyond

• The difference between Google Ads and Facebook Ads
• How much should you spend on marketing?
• Why TV and radio ads still work in 2024

Marketing is essential in the modern property industry, and Jak Carlin shares invaluable tips to help property professionals elevate their brand and attract more deals. Whether you're a seasoned investor or just starting out, this episode is packed with actionable insights you won’t want to miss!

In this episode of the Scottish Property Podcast, Steven and Nick sit down with legal expert Lindsey Devine from NM Legal to discuss the legal risks and best practices when it comes to private money lending in property. With more investors turning to private finance to scale their portfolios, it’s crucial to understand how to protect your investment and avoid costly mistakes.

Episode Highlights:

Due Diligence Before Lending

• Why investors turn to private finance instead of traditional lenders.
• The risks involved and common mistakes to avoid.

• Why private investors need independent legal advice.

Legal Protections & Security Measures

• How to properly assess a borrower before handing over your money.
• Key checks: credit history, Companies House records, and social media red flags.

• The importance of a solid loan agreement and what it should include.

Exits & Worst-Case Scenarios

• Standard security vs. floating charges – what’s the best option?
• The role of personal guarantees and how they impact investors.

• What happens if the borrower can’t repay?

Lending in Property

• How to enforce security and recover funds legally.
• Red flags to watch for to avoid “robbing Peter to pay Paul” schemes.

Private money lending can be a powerful tool for property investors, but it’s not without risks. This episode provides invaluable insights on how to protect yourself and ensure your investment is secure. Whether you're lending or borrowing, understanding the legal aspects is key to success.

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

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

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

John: www.instagram.com/john_property_auctioneer/

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

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

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

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

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

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

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

🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📩 Email us:

Steven@steven-clark.com

Nick@arcproperty.uk