The Progressive Property Podcast

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/

Right now, the UK government are enforcing a two-tier tax system for its citizens. On the one side, hardworking people are being forced to bleed their wages, are being heavily taxed on their property, and being punished for trying to invest. On the other side, the government are being outsmarted by another group who have learned, understood, and used strategies to keep more of their hard-earned cash to build wealth and financial freedom.

In this episode, I share five legal strategies investors use to make more and keep more. Why it is becoming increasingly dangerous to stay a normal saver, and the mistakes that investors make that cross the line from legal to illegal practices, and how you can avoid doing the same.

Before we get into the episode, please remember that this does not constitute financial advice - these are the principles I adopt as a professional investor, principles that save me 10s of £1000s every single year.

If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast

KEY TAKEAWAYS

Educating yourself, staying up to date and adapting is essential. Those that simply use the most popular strategies often end up seeing their once highly profitable businesses begin to fail.

Owning a rental personally or through a company can lead to different tax outcomes. Section 24 may restrict mortgage-interest relief for individual landlords, while companies have different tax implications.

Buying a property-owning company’s shares can mean a different stamp-duty bill from buying its properties, but you also take on the company’s history. Due diligence is essential.

Option agreements can secure the right to buy later, but each deal requires careful, professional legal drafting.

Remortgaging may release cash without selling, but it remains borrowing. Debt has to be serviced, and higher rates or falling rents can increase leverage risk.

BEST MOMENTS

"There's a good reason we teach it in a room rather than reading it out in YouTube. Done without the right checks, this strategy can cost you far more than it saves."

"The educated investor asked a different question: How do I use the growth of my property value without selling it?" “I did this very thing with one of my own properties recently and made over £70,000 pounds.”

if you want the full education, not just five strategies, but the whole deep dive taught properly, we are currently running a free webinar- MSOPI – Multiple Streams of Income:

VALUABLE RESOURCES

https://www.progressiveproperty.co.uk

https://kevinmcdonnell.co.uk

ABOUT THE HOST

Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey.

ABOUT THE HOST

Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.



CONTACT METHOD

https://www.facebook.com/kevinMcDonnellProperty

https://kevinmcdonnell.co.uk

https://www.tiktok.com/@progressiveproperty

https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g

https://twitter.com/progperty

https://www.linkedin.com/company/progressiveproperty

https://www.instagram.com/progressiveproperty

https://www.facebook.com/groups/progressivepropertycommunity

https://www.facebook.com/Progperty

This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/

This year, about 1.8 million households, including a huge number of landlords, will get a letter from their bank. Inside is the date their cheap fixed-rate mortgage deal will expire - When that date arrives, their monthly mortgage payment jumps by about £400 on average, and it will often be much worse for landlord. Many with a fixed-rate mortgage on a rental property, will see their monthly payment triple, leaving them out of pocket every single month they carry on renting that property out.

By the end of this episode, you'll know why landlords are being hit three times harder than homeowners, how to buy discounted properties from landlords whose cheap fixed-rate deals are ending, how to do it safely so the deal actually makes you money and do it in a way which benefits everyone involved.

If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast

KEY TAKEAWAYS

1.8 million ultra‑cheap fixed‑rate mortgages are ending, this year. So, many landlords are seeing their replacement monthly mortgage payment treble.

Profitable rental properties can easily become loss‑makers that landlords need to sell quickly so they can stop haemorrhaging money.

For educated investors the fixed term mortgage time bomb is a huge opportunity.

Writing to landlords directly who may need to sell fast, creates a win-win. The seller pays no agents fees and because they need a fast clean way out, they will often sell below market value.

Even at today´s interest rates, the new owner has the freedom to structure the deal differently and turn a property haemorrhaging money into one that makes a profit.

Those investors who learn how to find, price, and fund interest rate shock deals will add properties to their portfolio that have equity built in.

BEST MOMENTS

"1.8 million of those cheap fixed-rate mortgage deals expire during 2026 this year."

“They're often the best outcome the seller has: a fast, fair, certain sale, instead of missed payments, repossession, and a wrecked credit file."

"Because what they (landlords) need most is a quick, certain sale, they'll usually accept a price below what the property is really worth."

VALUABLE RESOURCES

MSOPI – Multiple Streams of Income:

https://www.progressiveproperty.co.uk

https://kevinmcdonnell.co.uk

ABOUT THE HOST

Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey.

ABOUT THE HOST

Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.

CONTACT METHOD

https://www.facebook.com/kevinMcDonnellProperty

https://kevinmcdonnell.co.uk

https://www.tiktok.com/@progressiveproperty

https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g

https://twitter.com/progperty

https://www.linkedin.com/company/progressiveproperty

https://www.instagram.com/progressiveproperty

https://www.facebook.com/groups/progressivepropertycommunity

https://www.facebook.com/Progperty

This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events: https://www.progressiveproperty.co.uk/raf/

Right now, in Westminster, there are people deciding how much it should cost you to keep living in your own home. A bill you pay every year for having a roof over your head. And most of the people who'll end up paying it have no idea it's coming. They think this is a tax on rich people, on mansions, on someone else.

In this episode, I'm going to show you using the government's own numbers, how that someone else slowly turns into you. I walk you through exactly what they want to do, step by step. And right at the end, I'll show you the one group of people who actually come out of this better off and how to make sure you are among them.

If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast

KEY TAKEAWAYS

Landlords could face a significant new squeeze as costs currently paid by tenants are transferred to them, while the tax bill when they eventually sell could also increase. That changes the numbers on every property in the portfolio.

For an unprepared landlord, the danger isn't simply paying more tax. The combination of higher costs and tighter restrictions can turn a property that once produced a healthy return into an asset that no longer makes financial sense to hold.

As smaller landlords decide to sell, the resulting reduction in rental supply creates problems for tenants but it is also an opportunity for those investors who are ready to act.

Those who understand how to structure their purchases and property portfolio correctly will find bargain deals, keep their tax bills down, grow and thrive for the long term.

BEST MOMENTS

“Every single time the government raises taxes, it creates an opportunity for educated people to make money, and that's what we teach here at Progressive Property.”

“The government has set that mansion tax line at £2 million and frozen it there. One by one ordinary homes rise in value until they cross that line.”

“Under this plan, that flips completely - overnight tenants save around £200 a month while the landlord is left to foot the bill.”

“Wes Streeting wants to tax the profit on your property the same way as they tax your wages. That pushes it from 24% today up to 40% or even 45% for higher earner.”

VALUABLE RESOURCES

MSOPI – Multiple Streams of Income:

https://www.progressiveproperty.co.uk

https://kevinmcdonnell.co.uk

ABOUT THE HOST

Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey.

ABOUT THE HOST

Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.

CONTACT METHOD

https://www.facebook.com/kevinMcDonnellProperty

https://kevinmcdonnell.co.uk

https://www.tiktok.com/@progressiveproperty

https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g

https://twitter.com/progperty

https://www.linkedin.com/company/progressiveproperty

https://www.instagram.com/progressiveproperty

https://www.facebook.com/groups/progressivepropertycommunity

https://www.facebook.com/Progperty

This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/

Here's the uncomfortable truth about the Renters Rights Act. They told renters this law would protect them, make renting fairer, safer, and cheaper. So, here's the question nobody in government wants to answer - Why the very people this law was built to help, are ending up with fewer homes, higher rents, and less choice than before it even existed.

I'm going to show you what actually happened to rents to the number of homes available and to the landlords themselves, both in the long run up to this law and in the few weeks since it's landed. By the end I think you'll see why so many people on both sides of the rental divide are quietly asking the same thing. Who exactly was this law for?



KEY TAKEAWAYS

· The Renters’ Rights Act was supposed to make it easier for tenants to find secure and affordable homes – in practice, the opposite has happened.

· Around 35% of landlords sold or tried to sell in the 12 months before the Act came into force, permanently shrinking the pool of rental properties.

· Many ex‑rental homes don’t become first‑time buyer bargains. They’re snapped up by larger, often corporate, landlords, concentrating power in fewer hands.

· In the year to mid‑2024, average private rents rose by 8.6% across England, and by 9.7% in London, then flattened near record highs.

· For informed investors and would‑be landlords, the chaos is an opportunity: with fewer rental homes, strong yields, and 20+ applicants per property, those who understand the new rules can step into the gap and build profitable, resilient portfolios.



BEST MOMENTS

"You'd naturally assume that a law that protects tenants would lead to more secure rental homes, but a rental home only exists if a landlord is willing to offer it."



"The flat doesn't become someone's first home; it just passes from a small local landlord to a faceless institution."



“The kindest thing you could possibly say is that the law poured a bucket of petrol directly onto a fire that was already lit, and the tenants are the ones standing closest to the flames.”





Market turbulence does not destroy opportunity, it transfers it.



It moves wealth and security away from people who react entirely to fear directly into the hands of the people who take the time to understand the new rules - That's exactly what we teach at Progressive Property – Join our free webinar here - https://progressiveproperty.co.uk/online-training/





VALUABLE RESOURCES

MSOPI – Multiple Streams of Income:

https://www.progressiveproperty.co.uk

https://kevinmcdonnell.co.uk

ABOUT THE HOST

Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey.



ABOUT THE HOST

Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.



CONTACT METHOD

https://www.facebook.com/kevinMcDonnellProperty

https://kevinmcdonnell.co.uk

https://www.tiktok.com/@progressiveproperty

https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g

https://twitter.com/progperty

https://www.linkedin.com/company/progressiveproperty

https://www.instagram.com/progressiveproperty

https://www.facebook.com/groups/progressivepropertycommunity

https://www.facebook.com/Progperty



This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/

Right now, in 2026, thousands of landlords are quietly dumping perfectly good properties because a journalist told them - “UK rents have cooled to 3%.” They’re reading a single national average as if it were a buy or sell signal. In the process, sleep‑walking past the best buying conditions they’ve seen in years.

In this episode, Mark shows why that headline is technically true but practically useless if you’re deploying capital. He walks through the real ONS and Rightmove data, explains how London has smashed into an affordability ceiling while the Northeast and Midlands still have headroom, and reveals why asking prices can rise even as real values soften. More importantly, he lays out how sophisticated investors are quietly stepping into those nearly 6% rent inflation regions, structuring around stamp duty, and using inflation to devalue their debt while amateur landlords run for the exits.

If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast

KEY TAKEAWAYS

National averages are a terrible way for investors to assess whether it is time to buy or not.

London has hit an affordability ceiling, while the Midlands and Northeast still have wage headroom and rising rents.

Smart investors are ignoring the national mood and targeting specific streets in high‑yield regions.

Amateur landlords are panic‑selling in the very regions where tighter supply is likely to push rents higher. At a time when yields and inflation are quietly working in favour of buyers.

BEST MOMENTS

“The headline isn't wrong, it's just useless.”

“Because of that one headline, landlords across the country are panic selling perfectly good properties this month.”

“The market isn't dying. The heat is migrating.”

“Navigating this market based on headlines is a massive risk in the current economic climate.”

If you want a complete circuit breaker from the media noise, join Mark’s Multiple Streams of Property Income training that works regardless of market conditions.

Bring your deals, your doubts, and your spreadsheets, and walk out with a strategy built to work in today´s market, not the one in the headlines. Spots are limited, so grab yours here: https://progressiveproperty.co.uk/msopi/

VALUABLE RESOURCES

MSOPI – Multiple Streams of Income:

https://www.progressiveproperty.co.uk

https://kevinmcdonnell.co.uk

ABOUT THE HOST

Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey.

ABOUT THE HOST

Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.

CONTACT METHOD

https://www.facebook.com/kevinMcDonnellProperty

https://kevinmcdonnell.co.uk

TikTok: https://www.tiktok.com/@progressiveproperty

YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g

Twitter: https://twitter.com/progperty

LinkedIn: https://www.linkedin.com/company/progressiveproperty

Instagram: https://www.instagram.com/progressiveproperty

Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity

Facebook Page: https://www.facebook.com/Progperty

This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/