The Scottish Property Podcast
by Nick Ponty and Steven Clark
A weekly podcast focused on keeping property investors informed and educated on the Scottish property market. Co-hosts Nick Ponty and Steven Clark share their own experiences, answer questions and talk to experts in the industry.
Episodes
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Scotland’s New Landlord Laws: What Changed and What’s Coming Next
Scotland’s rental rules have changed again—and landlords and letting agents need to understand both what is already in force and what is coming next. In this market update, Steven is joined by Lyndsay from Rent Locally and Property Investors Network to break down Awaab’s Law, new succession…
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From Holes in His Shoes to Owning 400 Properties
Alex Walker grew up in Govan with holes in his shoes and free-school-meal tickets. Determined to give his own children a different life, he worked in Glasgow’s fish market, built a business with three fish vans and later earned commission at Sky before accidentally becoming a landlord. What began...
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700 Property Deals — And the 10 That Didn’t Go to Plan
What really happens when a property deal goes wrong—and who should take responsibility? Matt Morrison returns to the podcast after completing more than 700 property deals. He also revisits a Borders investment that did not go entirely to plan, sharing his perspective on how the strategy changed...
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Buy-to-Let vs Serviced Accommodation — Which Is Really Riskier?
Is serviced accommodation really a safer investment than a traditional buy-to-let—or does the potential for higher income come with significantly more risk? In this listener Q&A, Nick and Steven compare the predictability of vanilla buy-to-let with the fluctuating nightly rates, seasonal demand…
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Could a Self-Employed Estate Agent Really Earn £100K a Year in Scotland?
Could a self-employed estate agent build a six-figure business without sacrificing the personal service sellers expect? Fraser Kelly, founder of Kelly Residential, joins Nick and Steven to explain how he moved from corporate sales and property sourcing into estate agency. In five years, the...
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Awaab's Law Hits Scottish Landlords on 6th October: What You Must Do
From 6 October 2026, private and social landlords across Scotland must follow strict new timescales when damp or mould is reported: investigate within 10 working days, provide written findings within three working days and begin any required repairs within five working days of the investigation....
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From Sleeping on Building Sites to Owning 30+ Properties
Jordan Kynoch started investing in property at just 23, with no money, no experience and a long-term goal: to build enough freedom to be fully present when he eventually became a father. Thirteen years later, Jordan owns more than 30 properties across Scotland and Liverpool. The journey involved...
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Are Property Flips Still Worth It in 2026?
Are property flips still worth pursuing in 2026—or have rising costs and tighter margins made the strategy too difficult? In this listener Q&A episode, Nick and Steven examine the reality of flipping property in today’s market. With Scotland’s 8% Additional Dwelling Supplement, higher material...
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She Built a Seven-Figure Property Portfolio — But Says She’s Still Skint
Amy Russell has built a seven-figure property portfolio—but with her money continually being reinvested, she still describes herself as “skint”. Her biggest cash-flow scare came from a sourced property bought for £62,500. The refurbishment was expected to cost approximately £20,000 but finished...
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Why England Backed Away From Rent Controls After Scotland’s Failure
Scotland-wide rents have fallen slightly—but some local markets are still recording strong growth. So where is tenant demand holding up, and what should property investors take from the latest figures? In this August market update, Nick and Steven examine the latest Citylets rental data and…
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From Property Flips to a Scottish Aparthotel Development
Michael Mower built his property career by taking on the projects other people avoided—from tired Glasgow flats to fire-damaged auction purchases. After years of running a stressful renovation business, he and his wife Liana decided to start building assets for themselves. That change led to...
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Why High-Leverage Property Investors Could Be Trapped at Refinancing
How can you scale a buy-to-let portfolio without leaving yourself dangerously exposed if the property market changes? In this episode, Nick and Steven discuss the risks of using 80% and 85% loan-to-value mortgages to grow a property portfolio. They explain how arrangement fees, falling valuations...
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Rent Controls Backfired — And Landlords Changed Their Strategy
Is Scotland heading for a property crash—or does the country’s chronic shortage of homes make that unlikely? Dr. John Boyle, Director of Research & Strategy at Rettie, joins Nick and Steven to examine the data behind Scotland’s housing emergency, house prices, rental growth and the future of the...
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Bridging, BRR and Property Sourcers — Your Questions Answered
What would Nick and Steven do with £40,000 to invest—and would they choose a vanilla buy-to-let over stocks and shares? In this listener Q&A episode, Nick reveals that he currently owns 12 buy-to-lets and is still aiming for a portfolio of 20 producing around £5,000 in net monthly cash flow.…
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Diagnosed With Cancer at 27 — Then Property Changed Her Life
At just 27, Ally Wilkes was diagnosed with a rare form of cancer—an experience that completely changed how she viewed time, security and the life she wanted to build. After years working in the NHS, Ally took the leap into property. She completed a flip that made just under £30,000, used the BRR...
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How an Architect Spots Hidden Value in Property Deals
Most investors look at a floor plan and see a two-bed. Ross McIlvean looks at the same floor plan and sees £15,000–£20,000 of hidden value nobody else spotted. 🏗️ In this episode of the Scottish Property Podcast, Nick and Steven sit down with Ross McIlvean of LTJ Architecture — property…
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The Property Accountant With 54 Buy-to-Lets
He's your accountant by day and a 54-unit landlord by night. And he charges less than you'd spend on a Friday night out. 🏠 In this episode of the Scottish Property Podcast, Nick and Steven sit down with Matt Herbert — qualified property accountant and 54-unit investor across Aberdeen and...
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From Managing 70 Short Term Lets to Building a New Boutique Hotel Brand
He built a short term let business to 70 units and 20 staff — then walked away at 29 to start from scratch. The very next day he went to view a hotel. 🏨 In this episode of the Scottish Property Podcast, Nick and Steven sit down with Laurence Malyon — founder of Moment aparthotel brand — for one…
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Pension Funds Are Buying Rental Homes — So Is Buy-to-Let Really Dead?
Pension funds are quietly buying up rental homes across Scotland. If buy-to-let was dying, nobody told them. 🏴 Nick and Steven are back with the June market update — running on two hours sleep after Scotland vs Brazil — covering the Prime Minister change, house prices, the rental...
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From Steelworker to 46 Properties and 800 Under Management
He had $300 to his name, sleeping on a mate's floor in Perth, Australia. Then a stranger in an empty pub changed everything — and 23 years later he owns 46 properties and manages 800 more. 🏠 In this episode of the Scottish Property Podcast, Nick and Steven sit down with David Lamb — founder of...
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The Hidden Stress of Scaling a Property Portfolio
A complicated miscarriage. A goodbye in a hospital room. Two years of everything going wrong. Then they bought their first property — Claire eight months pregnant, the world in lockdown. 🏠 In this episode of the Scottish Property Podcast, Nick and Steven sit down with Claire and Dan MacDonald of...
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The Homeless Landlord With 12 Properties
He owns 12 properties. He lives in his mate's spare room. And he accidentally bought a Chinese restaurant from an airport while flying back from Japan. 🏠 In this episode of the Scottish Property Podcast, Nick and Steven sit down with Isaac Cross — a former offshore worker and CERN technician who...
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Scotland’s £10k First Home Fund Is Back — Will It Be Gone in Days?
The last time Scotland launched this fund it had £60 million and it was gone in eight days. This time they've got £100 million. Nick and Steven give it two weeks. 🏴In this month's market update, they break down exactly how the £10k First Home Fund works, what the catches are, and why...
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Cold pitching in our Facebook group, dodgy sourcers, and LinkedIn spam — we've had enough
No guests. No filter. Just Nick and Steven saying what everyone in property is thinking. From deal sourcers pressuring investors to buy in minutes, to buyers pulling out of flips at the last second, dodgy sourcers, LinkedIn inbox chaos, ego-driven cliques in the Scottish property community, and…
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17 years in the RAF, walked away 3 years before his pension — Ross Orrock's property story
17 years in the Royal Air Force. Iraq. Afghanistan. The Falklands. Then he walked away — 3 years short of a guaranteed pension — to go all in on property. 🏠In this episode of the Scottish Property Podcast, Nick and Steven sit down with Ross Orrock — deal sourcer, property investor, and one of…
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£5M retail brand, 10 cash properties, still lives at home — Taylor McNeillie's no-excuses story
At 23 years old, Taylor McNeillie has built a £700k property portfolio — mortgage free — while running a retail business doing over £1 million a year. And he still lives at home. 🏠 In this episode of the Scottish Property Podcast, Nick and Steven sit down with Taylor to hear the full story: from...
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SNP, Labour, Reform — who's best for property investors in Scotland?
The Scottish election is days away — and if you're a property investor or landlord, what happens on May 7th actually matters. 🗳️In this market update, Nick and Steven cut through the political noise and break down exactly what each party's housing policies mean for landlords, investors, and…
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From Offshore Work to Building a Property Portfolio
After more than a decade working offshore in the oil and gas industry, Jason Kelly made the move into property investing and eventually went full-time in April 2024. In this episode of the Scottish Property Podcast, Jason shares how he transitioned from offshore work to building his property...
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Turning £20K Amazon Side Hustle into a £250K Business... Then Purchasing 13 Properties
In this episode of the Scottish Property Podcast, Nick and Steven sit down with Adam Boyd — entrepreneur, Amazon FBA operator, and property investor. Adam shares his journey from experimenting with multiple failed business ideas to building and selling an Amazon business for a life-changing sum,...
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The Reality of Dubai Real Estate (No One Talks About This)
In this episode of the Scottish Property Podcast, Nick and Steven sit down with Emily Henaghen — estate agent, entrepreneur and social media personality — to unpack her journey from university and early property exposure, to building a personal brand, launching her own estate agency career, and...
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Is the Iran War About to Crash the Property Market?
In this episode of the Scottish Property Podcast, Nick and Steven return for a market update, diving into one of the most uncertain global backdrops in recent years. From rising geopolitical tensions in the Middle East to mortgage rate volatility, inflation risks, and shifting investor sentiment,...
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From New Mum to 27 Properties in One Year
In this episode of the Scottish Property Podcast, Nick and Steven are joined by Emma Thomson, a property investor who went from zero to building a 27-property portfolio within her first year — all while navigating maternity leave, redundancy, and a complete career pivot.Emma shares how she...
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15 Years in Property — Lessons From Starting at 19 with Jordan Robb
In this episode of the Scottish Property Podcast, Nick is joined by Jordan Rob, a long-term property investor who built his portfolio from the age of 19 and has spent over 15 years growing, refining, and diversifying his investments.Jordan shares how he started with a small pot of capital and...
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How to Start and Grow a Short-Term Let Management Business with Gillian Green
In this episode of the Scottish Property Podcast, Nick and Steven are joined by Gillian Green, a property investor and short-term rental operator who has expanded from traditional buy-to-lets into serviced accommodation, commercial property, and an apart-hotel project.Gillian shares how her…
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How £40K Became a £60M Surf Resort in Scotland with Andy Hadden
In this episode of the Scottish Property Podcast, the hosts sit down with Andy Haddon, founder of Lost Shore Surf Resort, the £60M surf park development just outside Edinburgh.What started as a bold idea after a visit to a secret surf technology test facility in Spain became one of the most...
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Mortgage Rates Are Falling Again… Is Now the Time to Buy? with Fraser Kelly
In this episode of the Scottish Property Podcast, Fraser Kelly, founder of Kelly Residential, returns to break down the current state of the UK and Scottish property market in early 2026. The conversation dives into falling mortgage rates, shifting buyer demand, rental market normalisation, and…
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£120K Flats Now Worth £50K… Aberdeen’s Property Reality with Brian Smith
🔍 Episode Highlights 🛢️ Aberdeen: The Oil Capital Effect Aberdeen’s rapid growth in the 70s–80s was driven by oil wealth and international investment The city became known as the “Oil Capital of Europe” Property prices have always been closely tied to oil jobs, investment, and global markets...
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He Lost £30,000 at 22... Then Owned 13 Properties by 26 with Adam Newlands
In this episode of the Scottish Property Podcast, we’re joined by Adam Newlands, a 26-year-old accountant who rebuilt his finances and went on to build a 13-property portfolio after losing £30,000 in his early 20s.Adam shares a brutally honest account of how chasing “rent-to-rent” opportunities…
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£130k at 27 — Why He Still Walked Away From Purplebricks with Scott Miller
In this episode of the Scottish Property Podcast, Nick and Steven sit down with Scott Miller, founder of Miller Estate Agents, for a no-holds-barred conversation about the reality of the estate agency industry, how it’s changing, and what sellers and buyers should actually be paying attention to....
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Is the Scottish Rental Market Flatlining in 2026? (with Mark Shanta)
Episode OverviewIn this episode of the Scottish Property Podcast, we’re joined by Mark Shanta, property expert, letting agent, and returning guest, for a deep dive into the Scottish property market at the start of 2026.Together, we unpack what’s really happening across sales, rentals, tax policy,...
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4 Proven Ways to Profit from Property Auctions in 2026 (with Prime Property Auctions
In this episode of the Scottish Property Podcast, Nick and Steven are joined by John and Luis from Prime Property Auctions to break down how their business has scaled rapidly, why auctions are becoming the go-to exit strategy for many landlords, and what really drives seller decisions in today’s...
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The Truth About Commercial-to-Residential Conversions with Fraser Walsh
In this episode of the Scottish Property Podcast, Steven is joined by Fraser Walsh, an architect with over 20 years’ experience and co-founder of W9 Architects, to explore what really happens when investors move beyond buy-to-let and into commercial property and complex conversions. Fraser shares…
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Inside A Rapidly Scaling Property Business with Kyle Black
In this episode of the Scottish Property Podcast, Kyle Black returns one year after his last appearance to share what has been a transformational 12 months for his property business, BLK. Kyle breaks down how he scaled rapidly, built an integrated “one-stop shop” model for investors, and why...
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The Reality of Building a Business You Can Actually Sell with Gavin Bell
🎙️ Episode Highlights 🌍 From the Shetland Islands to Scaling a Business -Gavin shares what it was like growing up in the Shetland Islands and why leaving at 18 was almost inevitable if he wanted to build a business. -With limited local opportunities and a strong entrepreneurial drive, he moved...
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2025 RECAP: Wins, Lessons & What’s Next
In this episode of the Scottish Property Podcast, Nick and Steven jump on the mics for a no-guest, no-filter conversation covering what they’re seeing right now in the Scottish property market. From landlord sentiment and ADS frustrations, to interest rates, buyer behaviour, tenanted sales, and…
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Property Isn't Passive - Here's the Proof with Russel Godfrey
In this episode of the Scottish Property Podcast, Nick and Steven are joined by Russel Godferry, a hands-on property investor who shares an honest account of navigating the realities of property investing through changing market conditions, COVID disruption, and shifting tenant behaviour. Russel...
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How Clark Adam Built a High-Income Portfolio at 69
In this episode of the Scottish Property Podcast, Nick and Steven sit down with Clark Adam, a 69-year-old property investor with one of the most fascinating life stories ever featured on the show. From growing up as a self-confessed “Ned” in Glasgow’s Cardonald, to joining the army at 15, to...
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Major Red Flags Buyers Miss in Tenanted Sales with Portolio
In this episode of the Scottish Property Podcast, Scott sits down with Portolio — Scotland’s specialist estate agency dedicated to selling tenanted properties. Since 2017, Portolio has carved out a unique position in the private rented sector by staying niche, focusing solely on tenant-in-situ...
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Budget 2025: Landlords Face a 2 % Tax Hit on Rental Income and Dividends with Davy Hutton
In this episode of the Scottish Property Podcast, Nick and Steven sit down with returning guest Davy Hutton, known for his outspoken views on politics, economics, AI and society. What begins as a conversation on Budget 2025 quickly evolves into one of the broadest and most thought-provoking...
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Rent Controls Backfired — John Blackwood Explains Why
In this episode of the Scottish Property Podcast, Nick and Steven sit down with John Blackwood, Chief Executive of the Scottish Association of Landlords (SAL), who has spent nearly 25 years representing landlords across Scotland. John brings unparalleled insight into the private rented sector...
About this show
A weekly podcast focused on keeping property investors informed and educated on the Scottish property market. Co-hosts Nick Ponty and Steven Clark share their own experiences, answer questions and talk to experts in the industry.
Hosted by
Nick Ponty and Steven Clark
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