Episodes
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WEALTH: Gold expert Simon Popple makes a strong case for the inflation protection qualities of investing in gold. Even now when gold is at all time highs. As a former head of investment manager at Strutt and Parker, Simon realised that his personal inflation rate was much higher than the RPI. After much research he decided investment into gold was the answer.
In this interview we discuss:
- Why gold provides the hedge against inflation that Simon believes we all need as part of a balanced portfolio
- How to invest in gold and other commodities directly or via companies exposed to gold
- How physical silver can save your skin should an armageddon-like situation unfold
- How Simon teaches people to invest in gold and other commodities using his BRIDGE System.
ABOUT SIMON
Following an MBA, Simon's corporate career started in investment banking at Singer and Friedlander and later at ABN AMRO where he became one of the founding members of their financial sponsors team within corporate finance.
Deciding that his friends in property were earning more and working fewer hours, Simon went on to become the head of investment management at Strutt and Parker real estate financial services and then joined Copland, one of the world's largest private property companies as their youngest director. It was during this time that Simon realised his pension wasn't keeping up with his own level of personal inflation let alone the RPI. He decided to do something about it and struck gold.CONNECT WITH SIMON
Website: www.goldprogram.co.uk
LinkedIn: https://www.linkedin.com/in/simon-popple-4a382a16/
HOSTED BY: Nicole Bremner is an investor, certified financial coach, nutritionist, author and mum-of-three. In 2009, having had a successful career in financial services, like many women who take a ‘career break’ to have children, she found herself at a crossroads, not entirely sure what path to take next. Combining her financial knowledge with her passion for good architecture and design, Nicole was able to build on her experience and expertise to develop a new career, which fit around her children, and spent the next decade building a multi-million property portfolio in London. Now she combines her passion for property, financial literacy and health into this top raked podcast.
CONNECT WITH NICOLE
Website: http://www.nicolebremner.com/podcast
LinkedIn: https://www.linkedin.com/in/nicolebremner
Instagram: http://instagram.com/nsbremnerSupport the Show.
Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research.
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WISDOM: Jo Tocher's life changed after experiencing the trauma of miscarriage. No longer able to exist in the corporate world she set out not just to heal but to find purpose.
Life After Miscarriage, Your Guide to Healing from Pregnancy Loss is the story about Jo's transformational journey from the pain of loss to a place of acceptance and hope. But it goes further to show how any loss - including relationships ending, childhood trauma, a pet dying, kids leaving home, changing job, redundancy or a business failing or moving house, town or country - impacts your relationships with your partner, family and friends. As a holistic healer and intuitive coach, Jo guides you to understand how this loss is holding you back in your career, day-to-day life and overall happiness. You’ll recognise and understand your go-to coping strategies and learn how you can begin to support yourself with self-healing strategies so you can move forward and find joy again.
In this interview we discuss:
- Miscarriage, what it is, what to say and what not to say to someone who is experiencing this loss
- How men's pain is often overlooked during miscarriage
- Why it's not about having any baby, but this baby
- Leaving her corporate life behind for one of purpose
- Finding her purpose in helping others to heal and find their purpose
- The process of writing a book as intimate as Jo's and how her family and friends dealt with that
ABOUT JO
Jo's experience with holistic therapy and transformational coaching is not just rooted in knowledge. It’s rooted in empathy. She has travelled her own journey of pregnancy loss that fuelled her desire to help others. Jo founded Life After Miscarriage, Perinatal and Baby loss to support women going through grief and help transform their future through proven healing therapies.Starting in corporate then transferring to care and compassion, the 20+ year career has allowed Jo to do what she loves, help people.
CONNECT WITH JO
Website: https://jotocher.com/
Instagram: https://www.instagram.com/jo_tocherholistics/
HOSTED BY: Nicole Bremner is an investor, certified financial coach, nutritionist, author and mum-of-three. In 2009, having had a successful career in financial services, like many women who take a ‘career break’ to have children, she found herself at a crossroads, not entirely sure what path to take next. Combining her financial knowledge with her passion for good architecture and design, Nicole was able to build on her experience and expertise to develop a new career, which fit around her children, and spent the next decade building a multi-million property portfolio in London. Now she combines her passion for property, financial literacy and health into this top raked podcast.
CONNECT WITH NICOLE
Website: http://www.nicolebremner.com/podcast
LinkedIn: https://www.linkedin.com/in/nicolebremner
Instagram: http://instagram.com/nsbremnerSupport the Show.
Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research.
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Missing episodes?
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EP153: "When I became a solicitor I was diagnosed with anxiety and PTSD. So I’d done the classic thing where you go to CBT, you get the medication, you do all the things that you’re told to do."
Lawyer and mental health advocate Jodie Hill shares her top strategies for improving mental health. Learn how keeping a gratitude journal, planning social activities around exercise, taking regular breaks, communicating intentionally with your team, and reflecting on your needs can help boost your overall wellbeing.ABOUT JODIE
Jodie Hill is a neurodivergent solicitor, ED&I consultant, coach and trainer, author and campaigner. She is passionate about employment law, mental health and wellbeing, equality, diversity and inclusion (ED&I), and neurodiversity.
A qualified barrister initially called to the Bar by The Honourable Society of the Inner Temple in 2010, Jodie then cross-qualified to become a solicitor in 2013. Her mental breakdown in 2017, which Jodie now describes as her “mental breakthrough”, led her to establish Thrive Law in 2018. It was the first law firm in the UK founded with wellbeing and mental health at its heart.
Today, Thrive Law, headquartered in Leeds with teams in London and the Southwest, delivers HR and employment law support to employers and employees. A focus on ED&I, mental health, wellbeing and neurodiversity underpins its mission to ensure everyone can thrive in the workplace.
In addition to being managing partner at Thrive Law, Jodie is also a law lecturer at Leeds Beckett University and an active member of the Employment Law Committee at The Law Society.
CONNECT WITH JODIE
Website: https://www.jodiehill.co.uk/
Instagram: https://www.instagram.com/iamjodiehill/
HOSTED BY: Nicole Bremner is an investor, certified financial coach, nutritionist, author and mum-of-three. In 2009, having had a successful career in financial services, like many women who take a ‘career break’ to have children, she found herself at a crossroads, not entirely sure what path to take next. Combining her financial knowledge with her passion for good architecture and design, Nicole was able to build on her experience and expertise to develop a new career, which fit around her children, and spent the next decade building a multi-million property portfolio in London. Now she combines her passion for property, financial literacy and health into this top raked podcast.
CONNECT WITH NICOLE
Website: http://www.nicolebremner.com/podcast
LinkedIn: https://www.linkedin.com/in/nicolebremner
Instagram: http://instagram.com/nsbremnerSupport the Show.
Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research.
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EP152: "I've been doing purchase lease options since before they were being taught. I would never have said now is a good time to do it because it's always been a good time. But now I'm telling the world that there are so many options out there. And the amazing thing about it is that we get to help people. There are people out there who we need to help. They are literally so stressed, so scared, getting sick because they cannot cope with what they've got. We can go in there and take all that pressure off them. Take their pain. Let them earn income each month without the fear of having to pay a mortgage each month."
I met with Gillie Barlow, experienced property investor who has never put down more than a few thousand pounds for any of her property deals. She explains how PLOs are the way to not only build your own portfolio but genuinely help people get out of difficult situations.KEY POINTS
What are purchase lease options, PLOs? What is now the right time to seek out PLOs and how do you go about it? How Gillie started with a vision to help disabled children and led to her volunteering in jailsWhy it is so important to invest in property with purposeABOUT GILLIE
Born an identical twin into a large family, Gillie grew up in a wonderful farm house with a menagerie of animals. She has always had a passion to build people up, to see them flourish and to help them understand what ‘happy’ and ’success’ mean. She has forever had a love for property but even more for people. She is a property entrepreneur and a visionary. When she was 20 she flew out to the Kalahari desert where she lived for a while, working with a safari company. It is during this time that Gillie whilst stretching herself massively out of her comfort zone and lead her to purchasing her first property 2 years later - a ski chalet in France. It became part of Sophia Holidays and is where many disabled children ventured through her charity Sophia's Alpine Disabled Adventures.
CONNECT WITH GILLIE
Website: https://www.gilliebarlow.com/
Instagram: https://www.instagram.com/gilliebarlowproperty/
HOSTED BY: Nicole Bremner is an investor, certified financial coach, nutritionist, author and mum-of-three. In 2009, having had a successful career in financial services, like many women who take a ‘career break’ to have children, she found herself at a crossroads, not entirely sure what path to take next. Combining her financial knowledge with her passion for good architecture and design, Nicole was able to build on her experience and expertise to develop a new career, which fit around her children, and spent the next decade building a multi-million property portfolio in London. Now she combines her passion for property, financial literacy and health into this top raked podcast.
CONNECT WITH NICOLE
Website: http://www.nicolebremner.com/podcast
LinkedIn: https://www.linkedin.com/in/nicolebremner
Instagram: http://instagram.com/nsbremnerSupport the Show.
Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research.
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EP151: January 2024 has started well in terms of confidence returning to the UK property market. The cost of borrowing has started to decrease as mortgage lenders fight for market share. Santander has launched a 5-year fixed rate at 3.84%, which is very different to the average rate of 6.66% during August 2023. The Bank of England may start to cut interest rates sooner than initially thought. This will be welcome news to homeowners, businesses and the wider economy.
The positive indicator of the housing market is that mortgage approval rates are 25.6% higher than 12 months ago, which will filter through to a greater number of property transactions over the next few months.
Nationwide, Halifax and Rightmove have reported: -0.2%, +3.1% and +0.1% over the last 12 months. Nationwide, Halifax and Rightmove show that prices increased from last month (on a monthly basis). ONS figures show increases of -1.4% nationally and -4.8% in London. Rents have increased by 7.5% nationally and 4.6% in London. The average monthly rent is now £1,280 nationally, and £2,081 in London. They are predicted to increase by 25% over the next 2 years as the shortage of rental stock increases as some landlords leave the market.The Bank of England rates have remained on hold at 5.25% for the fifth consecutive month, and is forecast to reduce rates as early as May 2024. Lenders have started to reduce the rates available on 2 year and 5-year fixed terms, as they predict that Bank of England rates will decrease to around 4% over the next two years. Stamp duty: it has been muted that if Labour are elected in at the next General Election in the second half of the year, they will increase SDLT for overseas buyers.
Key Points:My Property Consultant believe that prices will remain constant for the next 6 months, but some areas may see slight decreases (around 3-5%) but it does depend on the area and type of property.
CONNECT WITH EYEEDUL
Website: https://myproperty-consultant.london/
LinkedIn: https://www.linkedin.com/in/eyeedul-haque/
Instagram: @eyeedul_mypropertyconsultant
HOSTED BY: Nicole Bremner is an investor, certified financial coach, nutritionist, author and mum-of-three. In 2009, having had a successful career in financial services, like many women who take a ‘career break’ to have children, she found herself at a crossroads, not entirely sure what path to take next. Combining her financial knowledge with her passion for good architecture and design, Nicole was able to build on her experience and expertise to develop a new career, which fit around her children, and spent the next decade building a multi-million property portfolio in London. Now she combines her passion for property, financial literacy and health into this top raked podcast.
CONNECT WITH NICOLE
Website: http://www.nicolebremner.com/podcast
LinkedIn: https://www.linkedin.com/in/nicolebremner
Instagram: http://instagram.com/nsbremnerSupport the Show.
Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research.
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EP150: "Why do you feel like you need to seek outside validation? Why is your sense of self linked to certain metrics? When we understand that, it always goes back...to our childhood self where we formed a belief of ourselves that we're not good enough unless other people told us we were. So when you look back on this as an adult...you can see a totally good enough me...[clients] can see that they were good enough. Then you get into affirmations...that will really start to change the subconscious mind...It all goes back to doing the inner work that most people will never do because it's scary, it's uncomfortable."
Why women can have it allHow the corporate world was created by men for men and doesn't suit the modern day life of women, or men for that matterWhat it means to have 360 degree successLucy's story from how she turned her back on a successful career as an executive in the pharmaceutical industry to start all over again as an executive coach Lucy's goal to help 100,000 by 2027
Lucy is hugely insightful and an intelligent communicator and I could have conversed with Lucy for hours on topics such as:
ABOUT LUCY
Lucy Gernon is, a multi award winning Executive Coach for women in senior corporate leadership. She came to coaching via a successful career as a driven, high-powered corporate leader in the pharmaceutical industry solving complex problems, delivering on time and shaping cultureBut inside she was running on empty, anxious, and overwhelmed with no work-life balance, horrendous self-belief and a strong inner critic. And when that started to affect my reputation and my most important relationships, she decided enough was enough so she invested in herself to take back control and leave her 20 year career and empower women leaders.
Since then, she's created a top-rated podcast, won several prestigious business awards, and sold-out masterclasses and programmes.CONNECT WITH LUCY
Website: https://www.lucygernon.com/
Instagram: https://www.instagram.com/lucygernon/
HOSTED BY: Nicole Bremner is an investor, certified financial coach, nutritionist, author and mum-of-three. In 2009, having had a successful career in financial services, like many women who take a ‘career break’ to have children, she found herself at a crossroads, not entirely sure what path to take next. Combining her financial knowledge with her passion for good architecture and design, Nicole was able to build on her experience and expertise to develop a new career, which fit around her children, and spent the next decade building a multi-million property portfolio in London. Now she combines her passion for property, financial literacy and health into this top raked podcast.
CONNECT WITH NICOLE
Website: http://www.nicolebremner.com/podcast
LinkedIn: https://www.linkedin.com/in/nicolebremner
Instagram: http://instagram.com/nsbremnerSupport the Show.
Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research.
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EP149: CASE STUDY - Property investment is often touted as the holy grail toward financial freedom. Courses are sold and many are living this perceived glitzy lifestyle thanks to their "passive income" from property. But what about if it is your property portfolio that's holding you back from living your best life or even worse, is pushing you toward financial ruin?
Here I share with you a case study of my client Barbara, name and details changed of course. What I suggested might shock you. It shocked her. I was surprised too. Ultimately the numbers don't lie.
We're looking for more case studies. If you would like a complimentary review of your portfolio, anonymously or live, get in touch at nicolebremner.com/discovery.
HOSTED BY: Nicole Bremner is an investor, certified financial coach, nutritionist, author and mum-of-three. In 2009, having had a successful career in financial services, like many women who take a ‘career break’ to have children, she found herself at a crossroads, not entirely sure what path to take next. Combining her financial knowledge with her passion for good architecture and design, Nicole was able to build on her experience and expertise to develop a new career, which fit around her children, and spent the next decade building a multi-million property portfolio in London. Now she combines her passion for property, financial literacy and health into this top raked podcast.
CONNECT WITH NICOLE
Website: http://www.nicolebremner.com/podcast
LinkedIn: https://www.linkedin.com/in/nicolebremner
Instagram: http://instagram.com/nsbremnerSupport the Show.
Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research.
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EP148: We've been selected as one of 2,500 guinea pigs for the BP5000 programme. What is Blueprint and what is the BP5000 programme?
You might have heard of Bryan Johnson, a tech multimillionaire who sold a company to Paypal for gazillions. Over the last couple of years he has spent over $2m a year testing everything there is to test with a team of medical professionals. His goal is to try to slow the aging process with a range of medical and dietary interventions which cost millions and take up, it seems, most of his time. Some of it is quite controversial but when I'm trying to make sense of the science I do find myself asking, what would Bryan do. The logic is that Bryan and his team will have looked into every option and optimised his diet, supplements and lifestyle to achieve this goal of slowing down the aging process.
Here I go through what it is and what testing I've had so far. I'll be keeping you up to date of the progress of being a human guinea pig on the BP5000 and the outcomes of this group experiment.
HOSTED BY: Nicole Bremner is an investor, certified financial coach, nutritionist, author and mum-of-three. In 2009, having had a successful career in financial services, like many women who take a ‘career break’ to have children, she found herself at a crossroads, not entirely sure what path to take next. Combining her financial knowledge with her passion for good architecture and design, Nicole was able to build on her experience and expertise to develop a new career, which fit around her children, and spent the next decade building a multi-million property portfolio in London. Now she combines her passion for property, financial literacy and health into this top raked podcast.
CONNECT WITH NICOLE
Website: http://www.nicolebremner.com/podcast
LinkedIn: https://www.linkedin.com/in/nicolebremner
Instagram: http://instagram.com/nsbremnerSupport the Show.
Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research.
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EP147: 2024 has started well for the UK property market, as there is definitely an appetite for property.
House price forecasts for 2024 remain relatively positive, with most institutions believing that prices will remain flat. In December, Knight Frank had initially forecast a decrease of -4% for 2024, but have revised this forecast to +3% growth for the year.
House prices: Nationwide, Halifax and Rightmove have reported: -1.8%, +1.7% and -0.7% over the last 12 months. What is interesting is that Halifax and Rightmove show that prices increased from last month (on a monthly basis). Halifax reported increases over 3 consecutive months. ONS figures show increases of -2.1% nationally and -6% in London.Rental market: Rents have increased by 8% nationally and 6% in London. They are predicted to increase by 25% over the next 2 years, as more people will be renting due to the higher cost of borrowing.
Interest rates: The Bank of England rates have remained on hold at 5.25% for the fourth consecutive month, and is forecast to reduce rates as early as May 2024.Mortgage rates: Lenders have started to reduce the rates available on 2 and 5-year fixed terms, as they predict that BoE rates will decrease to around 4% over the next two years. 22 lenders have reduced rates since January and there are more than 10 fixed rate deals where the rate of interest has dropped below 4%.
What is the outlook: Eyeedul believes that prices will remain constant for the next 6 months, but some areas may see slight decreases (around 3-5%) but it does depend on the area and type of property. He believes we're in a buyers’ market and there are opportunities to take advantage of. The current market conditions will not last that long, as we know that as soon as BoE rates reduce, people will start buying property again as confidence returns.
Stamp duty: it has been muted that if Labour are elected in at the next General Election in the second half of the year, they will increase SDLT for overseas buyers. There is already a surcharge of 2% over the existing stamp duty bands, but Labour will increase this further.CONNECT WITH EYEEDUL
Website: https://myproperty-consultant.london/
LinkedIn: https://www.linkedin.com/in/eyeedul-haque/
Instagram: @eyeedul_mypropertyconsultant
HOSTED BY: Nicole Bremner is an investor, certified financial coach, nutritionist, author and mum-of-three. In 2009, having had a successful career in financial services, like many women who take a ‘career break’ to have children, she found herself at a crossroads, not entirely sure what path to take next. Combining her financial knowledge with her passion for good architecture and design, Nicole was able to build on her experience and expertise to develop a new career, which fit around her children, and spent the next decade building a multi-million property portfolio in London. Now she combines her passion for property, financial literacy and health into this top raked podcast.
CONNECT WITH NICOLE
Website: http://www.nicolebremner.com/podcast
LinkedIn: https://www.linkedin.com/in/nicolebremner
Instagram: http://instagram.com/nsbremnerSupport the Show.
Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research.
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EP146: "It’s too early to say the market is turning but all signs are very positive. One week of good results are great. Two weeks is a coincidence, three weeks a trend. So we’re waiting to see what the next few weeks brings. Right now the market is thriving."
Becoming the first female MD of John D Wood & Co. in the company's 150 year history. How good mentors helped and how she now helps others. The importance of taking the long view in your career which sometimes means taking a step back to go forward. The future of estate agency in a new fragmented market with key players emerging as brands rather than the traditional agency model. Today's market and why now is the time, in her opinion, to list your property and avoid the competition of spring.
"If you’re going to sell typically people wait till spring. It’s pretty miserable this time of year. If you wait for spring there's more competition...so that could impact your price. There are buyers who are keen now who perhaps paused for thought last year and now they’re ready and you really can make the most of them. I think later in the year, as with every election year, you get closer and it's people start to think I’ll just wait till the election decision into early 2025."
There are many gems in this conversation with industry veteran and MD of John D Wood & Co., Polly Ogden Duffy. She talks about:CONNECT WITH POLLY
Website: https://www.johndwood.co.uk/
LinkedIn: https://www.linkedin.com/in/polly-ogden-duffy
HOSTED BY: Nicole Bremner is an investor, certified financial coach, nutritionist, author and mum-of-three. In 2009, having had a successful career in financial services, like many women who take a ‘career break’ to have children, she found herself at a crossroads, not entirely sure what path to take next. Combining her financial knowledge with her passion for good architecture and design, Nicole was able to build on her experience and expertise to develop a new career, which fit around her children, and spent the next decade building a multi-million property portfolio in London. Now she combines her passion for property, financial literacy and health into this top raked podcast.
CONNECT WITH NICOLE
Website: http://www.nicolebremner.com/podcast
LinkedIn: https://www.linkedin.com/in/nicolebremner
Instagram: http://instagram.com/nsbremnerSupport the show
Support the Show.
Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research.
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EP145: With over 25 years experience in property sales and development, Jerome Roith started in estate agency in a central London eventually founding his own agency. In this discussion Jerome shares his expertise on why he believes the best strategy in property development doesn't even involve breaking ground. Known as planning gain, this is the process of identifying and acquiring prime properties, and managing the planning permission process. He also talks about the importance of maintaining time efficiency and assessing the viability of pursuing certain developments.
KEY POINTS:
Jerome takes as through his six step planning gain process from identifying opportunities, gaining exclusivity, legal conditional deals, sub-sale transactions, marketing protocols, and finding buyers.The importance of systemisation in the property development business. Jerome stresses the need to track processes, maintain fair timelines, and highlights the crucial role of communication in closing deals.How the complexities of the property market led Jerome to establish a training course with a focus on 10 core principles essential for a successful property development business, extending beyond the professional aspects to the impact personal life.ABOUT JEROME
Jerome Roith is the co-founder of boutique property developer Sensitive Developments and founder of market leading property development training provider, Property Planning Gain. With over 25 years experience in the UK property market Jerome has been involved in developments with a GDV in excess of £50m. These include multiple Office to Residential permitted development schemes in SE England, new build executive housing as well as being instrumental in delivering numerous planning consents across the UK.
Recently, Jerome has created his own 2 day, in person property development training programme covering the 10 core principles of property development and provides "real world" training in a crowded market.
Jerome is also an advocate for prioritising good mental health and practises meditation daily. Away from the office his passion is long distance running, regular gym sessions, long walks in the Lancashire countryside and Arsenal FC.CONNECT WITH JEROME
Website: https://www.propertyplanninggain.co.uk/
LinkedIn: https://www.linkedin.com/in/eyeedul-haque/
Instagram: @propertyplanninggain
HOSTED BY: Nicole Bremner is an investor, certified financial coach, nutritionist, author and mum-of-three. In 2009, having had a successful career in financial services, like many women who take a ‘career break’ to have children, she found herself at a crossroads, not entirely sure what path to take next. Combining her financial knowledge with her passion for good architecture and design, Nicole was able to build on her experience and expertise to develop a new career, which fit around her children, and spent the next decade building a multi-million property portfolio in London. Now she combines her passion for property, financial literacy and health into this top raked podcast.
CONNECT WITH NICOLE
Website: http://www.nicolebremner.com/podcast
LinkedIn: https://www.linkedin.com/in/nicolebremner
Instagram: http://instagram.com/nsbremnerSupport the Show.
Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research.
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EP144: New year, new name, new focus. I launched my podcast nearly seven years ago. It has kept me sane and connected during some tough times. Thankfully I’m in a much better place and have loyal listeners, thank you. But as my career has evolved I’ve struggled to find the right name and focus.
Finally I’ve come up with a name which is the perfect intersection of my interests and, I hope, that of my listeners. Over the coming days my podcast will be relaunched as Health, Wealth & Wisdom. Why?
🧘♀️HEALTH From a family of vegetarian medics, I’ve had a keen interest in health and nutrition forever. I completed a year of Biomedical Science at university before switching to commerce but returned to do a Post Grad Certificate in Plant Based Nutrition in 2010 which lead me to becoming vegan for 6yrs. It’s an area that continues to fascinate me and I hope to bring you the latest research from experts as well as mine Paul's trial on our journey to better health.
🏗WEALTH Property often draws people with the promise of financial freedom. The pursuit of this holy grail is something that can catch you out. Yes, property remains a pillar of a well-balanced portfolio but caveat emptor! How do I know? I’ve been there and have weathered just about every storm. Fortunately I've come through the other side wiser (and greyer).
I also have a background in financial planning. I switched majors from biomed to a BCom Financial Planning and then went on to do a Post Grad Dip Financial Planning becoming the youngest ever Chartered Financial Planner in Australia. Leaving Oz I worked at some top fund managers and banks in London and New York. More recently I’ve completed a financial coaching certification.
WISDOM As Socrates said, “Intelligent individuals learn from every thing and every one; average people, from their experiences. The stupid already have all the answers.” As someone who is naturally curious, I love to speak with people and will continue to share these interesting conversations.
Thanks to those who have listened from the beginning, I hope you like the new direction. Please like, subscribe and send me any comments or suggestions. Thank you.
HOSTED BY: Nicole Bremner is an investor, certified financial coach, nutritionist, author and mum-of-three. In 2009, having had a successful career in financial services, like many women who take a ‘career break’ to have children, she found herself at a crossroads, not entirely sure what path to take next. Combining her financial knowledge with her passion for good architecture and design, Nicole was able to build on her experience and expertise to develop a new career, which fit around her children, and spent the next decade building a multi-million property portfolio in London. Now she combines her passion for property, financial literacy and health into this top raked podcast.
CONNECT WITH NICOLE
Website: http://www.nicolebremner.com/podcast
LinkedIn: https://www.linkedin.com/in/nicolebremner
Instagram: http://instagram.com/nsbremnerSupport the Show.
Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research.
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EP143: We ended 2023 on more positive news that inflation has fallen again to 3.9% from 4.7% in October, which will ease the pressure on the Bank of England to raise rates further. Welcome news to those 2 million people due to remortgage over the next 12 months.
House price forecasts at the beginning of 2023 were mostly incorrect. Knight Frank and Savills were forecasting decreases of 10%, and Capital Economics forecast an even more gloomy 15% decrease. Unfortunately, the mainstream media picked up on these negative predictions and scared us into paralysis. The good news is that prices in the UK were much more resilient and only decreased by 1.2% overall.
KEY POINTS
House prices: Nationwide, Halifax and Rightmove have reported: -2.0%, -0.6% and -1.1% over the last 12 months. What is interesting is that monthly figures actually show that prices increased from last month. Nationwide and Halifax reported increases over 3 consecutive months.ONS figures show increases of -1.2% nationally and -3.6% in London. This ONS data has a 3-month lag time, as it records the prices that properties actually sold for and is taken from data from the Land Registry. The rate of house price growth is levelling off.
Rental market: Rents have increased by 8.9% nationally and 8.1% in London. The average monthly rent is now £1,279 nationally, and £2,174 in London. They are predicted to increase by 25% over the next 2 years, as more people will be renting due to the higher cost of borrowing.
Interest rates: The Bank of England rates remained on hold at 5.25%. The Bank stated that they may keep rates on hold for longer than a few months until the inflation target of 2% is met. The latest inflation figures of 3.9% will mean that the Bank of England could start reducing rates as soon as the end of March 2024.
Mortgage rates: Lenders have started to reduce the rates available on 2 year and 5-year fixed terms, as they predict that Bank of England rates will decrease to around 4% over the next two years.Outlook: Eyeedul of My Property Consultant forecast that UK house prices would be level for 2023, and was correct. He believes that prices may remain constant for the next 6 months, but some areas may see slight decreases (around 5%) but it does depend on the area and type of property. Interestingly, Rightmove forecast prices to fall by only 1% and some forecasters are already predicting increases of 5.9% during 2024.
CONNECT WITH EYEEDUL
Website: https://myproperty-consultant.london/
LinkedIn: https://www.linkedin.com/in/eyeedul-haque/
Instagram: @eyeedul_mypropertyconsultant
HOSTED BY: Nicole Bremner, an investor, speaker, write and podcaster. After a frantic decade building out a property portfolio worth millions throughout London recent personal and professional setbacks forced her to reassess what really matters. After a period of healing Nicole realised that what comes after setback is success. Nicole focusses on telling these stories of #reboundaftersetback and the lessons learned along the way.
CONNECT WITH NICOLE
Website: http://www.nicolebremner.com/podcast
LinkedIn: https://www.linkedin.com/in/nicolebremner
Instagram: http://instagram.com/nsbremnerSupport the Show.
Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research.
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EP142: While many find their future life partner online, amidst the virtual roses hides a sneaky villain - the online romance scammer. These tricksters play with emotions, taking advantage of those just looking for a much desired connection.
In this episode, Becky Holmes, the hilarious writer behind the @deathtospinach X/Twitter account talks about how she exposes fraudsters in (hopefully) funny ways. What started as a lockdown boredom buster turned serious when she discovered the heartbreaking stories of scam victims.
We talk about her X adventures, dealing with the scammers and explicit photos, and the bizarre world of script-bound scammers. Keanu Reeves pops up as the most impersonated celebrity and we explore the dark side of romance scans, funding other shady dealings.
Becky spills on the toxicity of X, the safer but not-so-safe LinkedIn, and how her experiences result in her first book 'Keanu Reeves is not in love with you' coming out in January 2024. We dive into the challenges of writing, from romance fraud to personal struggles, and how it all shaped her understanding of the psychology behind the scams. She hits home the point that anyone, regardless of who they are, can fall victim to romance fraud. Becky shares the lack of attention from law enforcement and the positive twist in her story - getting engaged during this whole adventure.Episode Highlight:
Becky's engagement with scammers on X during lockdownThe issue of explicit images on social mediaTactics used by scammersBecky's book on experiences with fraud on social media platformsBecky's personal experiences with gaslighting and abusive relationshipsCONNECT WITH BECKY
X | @deathtospinachLinkedIn | Becky HolmesInstagram | @deathtospinachHOSTED BY: Nicole Bremner, Nicole is an investor, speaker, writer and podcaster. After a frantic decade building out a property portfolio worth millions throughout London, recent personal and professional setbacks forced her to reassess what really matters. After a period of healing Nicole realized that what comes after setbacks is success. Nicole focusses on telling these stories of #reboundaftersetback and the lessons learned along the way.
CONNECT WITH NICOLE
Website | www.nicolebremner.com/podcastLinkedIn | www.linkedin.com/in/nicolebremnerInstagram | @nsbremnerSupport the Show.
Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research.
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EP141: At the risk of being a broken record once again the two biggest stories from the recent data is that some price data is actually showing a small increase in house prices. Second, rents continue to increase.
"There is positive news with the rate of inflation in the UK dropping to 4.6% from 6.7% last month. The Bank of England is under less pressure to increase interest rates, and there may be rate cuts during the first half of 2024. House prices remain resilient, defying the forecasters such as Knight Frank, Savills and Capital Economics who all predicted decreases of 10-15% during 2023." Eyeedul HaqueKey points:
1. Nationwide, Halifax and Rightmove have reported: -3.3%, -3.2% and -1.3% over the last 12 months. What is interesting is that monthly figures actually show that prices increased from last month. Nationwide and Halifax reported increases of 0.6% and 1.2% respectively.2. ONS figures show increases of -0.1% nationally and -1.1% in London. This ONS data has a 3-month lag time, as it records the prices that properties actually sold for and is taken from data from the Land Registry. The rate of house price growth is levelling off, but certainly not in free-fall (as some headlines this week are suggesting).
3. Rents have increased by 9.6% nationally and 10.2% in London. The average monthly rent is now £1,283 nationally, and £2,192 in London. They are predicted to increase by 25% over the next 2 years, which is welcome news for landlords whose costs have increased over the past 24 months.
What is the outlook:
Eyeedul of My Property Consultant predicted that house prices would remain level 12 months ago, and have been correct. "Prices may remain constant for the next 6 months, but some areas may see slight decreases (or around 5%) but it does depend on the area and type of property. We are in a buyers’ market and there are opportunities to take advantage of. The current market conditions will not last that long, as we know that as soon as the Bank of England start to reduce rates, people will start buying property again as confidence returns. This is turn will increase house prices, hence we advise clients to purchase within the next 3-4 months. The end to end process of buying a property takes a minimum of 3 months once a property has been found."Join us live on 9 January as Eyeedul and I continue the discussion on UK house prices.
HOSTED BY: Nicole Bremner, an investor, speaker, write and podcaster. After a frantic decade building out a property portfolio worth millions throughout London recent personal and professional setbacks forced her to reassess what really matters. After a period of healing Nicole realised that what comes after setback is success. Nicole focusses on telling these stories of #reboundaftersetback and the lessons learned along the way.
CONNECT WITH EYEEDUL
Website: https://myproperty-consultant.london/
LinkedIn: https://www.linkedin.com/in/eyeedul-haque/
Instagram: @eyeedul_mypropertyconsultant
CONNECT WITH NICOLE
Website: http://www.nicolebremner.com/podcast
LinkedIn: https://www.linkedin.com/in/nicolebremner
Instagram: http://instagram.com/nsbremnerSup
Support the Show.
Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research.
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EP140: I was seeing the other brokers in the industry presenting businesses for sale. As a broker, we value on turnover, but as a buyer, you value on profits because you want to see what profit you can generate from that business.
If you're interested in buying or selling a lettings or estate agency Lucy Noonan is the expert with over 20 years of experience in the industry, having worked with big names like Belleville, LSL, Hunters, and the Lomond Group. Having left corporate life, Lucy founded Atomic Consultancy, specialising in the sale of lettings and estate agency businesses nationally.In this episode, Lucy shares insights into the acquisition process, emphasising the importance of understanding numbers, preparing for due diligence, and the value of goodwill in transactions. She reflects on her journey in the estate agency industry, from starting as a negotiator to working on large-scale acquisitions. Lucy also discusses the growth of Atomic Consultancy, revealing the challenges and experiences.
For those looking to buy or sell, Lucy provides valuable advice on preparing for the
process, knowing your numbers, and the role of goodwill. She sheds light on the current environment for buying and selling agencies, highlighting tax benefits and the impact of potential government changes.As Lucy looks to the future, she shares her passion for focusing on key areas, particularly London, and possibly launching another brokerage in the financial services sector.
CONNECT WITH LUCY
Website: https://atomicconsultancy.com/
LinkedIn: https://www.linkedin.com/in/lucy-noonan/
HOSTED BY: Nicole Bremner, Nicole is an investor, speaker, write and podcaster. After a frantic decade building out a property portfolio worth millions throughout London recent personal and professional setbacks forced her to reassess what really matters. After a period of healing Nicole realised that what comes after setback is success. Nicole focusses on telling these stories of #reboundaftersetback and the lessons learned along the way.
CONNECT WITH NICOLEWebsite: http://www.nicolebremner.com/podcast
LinkedIn: https://www.linkedin.com/in/nicolebremner
Instagram: http://instagram.com/nsbremnerSupport the show
Support the Show.
Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research.
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EP139: Two biggest stories from the recent data is that some price data is actually showing a small increase in house prices. Second, rents just continue to increase. We dig into why.
Key points:
Prices starting to level off. Rightmove is showing prices are actually increasing on a month on month basis. How much of this is lack of supply?HMRC transaction levels are 20% lower than a year ago. Most of this is down to a lack of availability of credit due to interest rates being so high. Sellers are also sitting out with only those who desperately need to sell selling.Interest rates remained at 5.25% for the second month in a row. While inflation still not at the 2% target, 6 out of the 9 Bank of England members decided to keep rates on hold. Commentary from the BoE show that they believe the interest rates have topped out. Mortgage rates have come down about a percent since June. Rents increased 12% nationally y/y and are forecast to increase another 25% over the next two years*. People are unable to afford mortgages so they're forced into the rental market. Combined with 43% fewer properties available since 2019.Landlords are not winning by demanding higher rents as most need to service much higher mortgages. Two areas where rents declined in Scotland and West Midlands, -0.8% y/y and -0.5% y/y, respectively.We also talked about the soaring homelessness, especially in Liverpool and even the excess consumption of cheap clothing by Brit
Another interesting discussion was that small corporate BTL landlords are still paying excessive arrangement fees of 7%. Eyeedul even saw a one year fixed rate of 3.75% with a 15% arrangement fee!! It's kicking the can down the road as that fee is added to the end of the mortgage while it helps to keep cashflow manageable. It's no wonder that some landlords are choosing to go on a one year bridge as they're cheaper than BTL products.
Join us live on 11 December as Eyeedul and I continue the discussion on UK house prices.
https://www.hamptons.co.uk/research/reports/market-insight-forecasts-2023/rental-market-forecast#/
Join us live every month as Eyeedul Haque of My Property Consultant and I crunch the data behind the UK house price headlines.
HOSTED BY: Nicole Bremner, Nicole is an investor, speaker, write and podcaster. After a frantic decade building out a property portfolio worth millions throughout London recent personal and professional setbacks forced her to reassess what really matters. After a period of healing Nicole realised that what comes after setback is success. Nicole focusses on telling these stories of #reboundaftersetback and the lessons learned along the way.
CONNECT WITH NICOLEWebsite: http://www.nicolebremner.com/podcast
LinkedIn: https://www.linkedin.com/in/nicolebremner
Instagram: http://instagram.com/nsbremnerSupport the show
Support the Show.
Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research.
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EP138: What struck me this month in my discussion with Eyeedul is the continued strength of the rental market. Nationally rents increased 10.3% y/y while in London it's 13%.
“It isn’t just tenants who are feeling the financial strains of increasing rental prices. The exacerbating economic issues around rental prices are also leaving landlords with increasing rent arrears, resulting in struggles to make mortgage payments and other expenses. It really is a vicious circle, with very few winners. We see no end to the madness, with rental supply coming under more pressure as Landlords try and exit the market.” Andy Halstead, CEO HomeLet & Let Alliance
I asked Eyeedul: "We are seeing again, the number of renters increasing dramatically. In August alone, there were 50,000 new tenancies added to the market. The number of renters chasing each home has jumped from 20 to 25 in the last five months according to Rightmove. In 2019 there were six phone calls or email requests per property and that rose to 20 by the spring of 2023 and now 25. We’ve got Andy Halstead, CEO of HomeLet & Let Alliance, saying that landlords are leaving the market and we've got an increase in demand with a decrease in supply but are we actually seeing any figures that support that landlord exit?" Take a listen and let me know what you think.
House prices: Nationwide, Halifax and Rightmove have reported a consistent message: -5.3%, -4.9% and -0.4% over the last 12 months.ONS figures show increases of 0.6% nationally and -0.8% in London. This ONS data has a 3-month lag time, as it records the prices that properties actually sold for and is taken from data from the Land Registry. The rate of house price growth is levelling off, but certainly not in free-fall.
Interest rates: The Bank of England rates have remained at 5.25% which is very welcome news. Rates may plateau now, as they will not decrease until 2024 until inflation targets of 2% are met.Mortgage rates: Lenders are continuing to be competitive as they are fighting for market share, and SWAP rates are decreasing which gives scope for reduction in rates.
My Property Consultant still forecasts UK house prices to level off for the remainder of 2023, which means that we are now in a buyers’ market. We cannot expect large discounts on properties, but there are certainly less people looking which makes it an ideal time to buy property. A softer market has been priced into the marketing prices, and properties which are keenly priced will sell.Join us live every month as Eyeedul Haque of My Property Consultant and I crunch the data behind the UK house price headlines.
HOSTED BY: Nicole Bremner, Nicole is an investor, speaker, write and podcaster. After a frantic decade building out a property portfolio worth millions throughout London recent personal and professional setbacks forced her to reassess what really matters. After a period of healing Nicole realised that what comes after setback is success. Nicole focusses on telling these stories of #reboundaftersetback and the lessons learned along the way.
CONNECT WITH NICOLEWebsite: http://www.nicolebremner.com/podcast
LinkedIn: https://www.linkedin.com/in/nicolebremner
Instagram: http://instagram.com/nsbremnerSupport the Show.
Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research.
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"I was a little bit surprised to be diagnosed. It became quite a difficult journey for a period of time. My response on the January 19th 2021 was naïve. They asked me to go in to get results and I didn't realise that meant bad news. My response was 'this had better not kill me' and it had a 40% chance of killing me...better odds than some are facing."
EP137: It was lovely to have Susannah back on the pod. When asked why she has been so quiet of late she revealed that she’d had not just one, but 3 1/2 cancer diagnoses. Since then she has been going through the slow process of rebuilding her body, mind and business.
What got Susannah through this difficult time, financially at least, was her property portfolio which we discussed at length. Particularly how she managed a rapid restructuring following the first diagnosis and whether she in-sourced or out-sourced and her learnings from that time.I also asked Susannah how she got through the awful criticism she received at the hand of a well-known property forum a few years ago. Susannah was very honest about the pain they inflicted and shared that the perpetrator of the vilest attacks is now facing the largest defamation case in UK history. I did not see that coming. Live by the sword, die by the sword.
Susannah is lovely but also highly knowledgeable and generous with that knowledge. Well worth following YouTube account for more.
Follow Susannah Cole on these channels :
Website: https://www.thegoodpropertycompany.co.uk/
YouTube: https://www.youtube.com/c/TheGoodPropertyCompanySusannahCole
Instagram: @susannahcoleuk
Facebook: https://www.facebook.com/SusannahColeTGPC
LinkedIn: https://www.linkedin.com/in/susannahcole/
Twitter: @SusannahColeUK
HOSTED BY: Nicole BremnerNicole is an investor, speaker, write and podcaster. After a frantic decade building out a property portfolio worth millions throughout London recent personal and professional setbacks forced her to reassess what really matters. After a period of healing Nicole realised that what comes after setback is success. Nicole focusses on telling these stories of #reboundaftersetback and the lessons learned along the way.
CONNECT WITH NICOLE
Website: http://www.nicolebremner.com/podcast
LinkedIn: https://www.linkedin.com/in/nicolebremner
Instagram: http://instagram.com/nsbremnerSupport the Show.
Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research.
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EP136 : Once again I'm joined by property expert Eyeedul Haque to discuss the recent data on the UK property market, with a focus on recent developments related to mortgage rates, inflation and property prices.
We discuss:
- Mortgage payments are set to increase by £500 for approximately 1m households.
- The Bank of England's interest rate has reached a 15-year high at 5.25%.
- Inflation stands at 8.7%, and the government aims to reach a 2% target.
- Effectiveness of the monetary policy in dampening inflation, noting that it might be causing inflationary pressures.
- Rental market is seeing significant rent increases due to rising costs in the economy.
- Prediction that interest rates will likely hit 6% by the end of the year, with some sources suggesting rates may reach 6.5%.
- Housing market is not experiencing a hard landing or freefall but rather a levelling off.
- Continued shortage of new homes.
- New 100% mortgages aimed at first-time buyers suggest confidence.
Key moments:
1:37- Nicole asks about the proportion of the market represented by the 2 million mortgages affected by refinancing this years. Eyeedul explains that 2.4 million households with fixed-rate mortgages will be affected by the end of 2024, which is about a third of mortgage holders.
3:13 - Discussion about the recent increase in interest rates, reaching the highest level in 15 years. The Bank of England's efforts to control inflation, which stands at 8.7%.
4:54 - Eyeedul explains how rising interest rates impact various aspects of the economy, including rents, and predicts that monthly mortgage repayments on average will increase by £500.
7:42 - Rent prices have been increasing, with national rents up by 10% and London rents up by 14.6%. The trend continues with a 10% increase nationally and 9.3% in London.
8:24 - Speculation that interest rates could hit 6% or possibly even 6.5% by the end of the year.
9:50 - Despite some forecasts predicting declines, Eyeedul notes that actual house price decreases have been less severe.
11:22 - Eyeedul explains that the housing market may enter a flat phase for the remainder of 2023.
12:42 - The introduction of 100% mortgage products by some banks suggests confidence in the housing market's stability.
22:45 - Key takeaways: House prices are not in freefall, but rather experiencing a bottoming out. Rents continue to rise due to interest rates and inflation. Interest rate increases are expected to stabilise and peak.
23:47 - Predictions for the future: Eyeedul predicts that house prices will flatline for the remainder of the year, with opportunities for buyers, and advises investors to consider areas with more stable property values.
26:47 - Rental increases and capital value growth assumptions used for modelling, indicating a 5% annual increase for both.
My special guest is Eyeedul Haque, a seasoned expert on housing economics and an insightful commentator on the trends shaping the current housing market. As an experienced property consultant, he has a steady finger on the pulse of market fluctuations and how they impact homeowners, particularly in relation to mortgage payments. His approach is rooted in real-time data analysis and clear, understandable insights, making him a trusted voice on promptly evolving economic scenarios. He applies this passion in guiding property buyers through the intricacies of market trends and property management.Support the Show.
Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research.
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