Pension Funds Are Buying Rental Homes — So Is Buy-to-Let Really Dead?

Episode Overview

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 market, the LHA rate freeze that’s about to hit 45,000 households, and a £10.8 million build to rent deal in Edinburgh backed by your pension fund. Yes, yours.

Episode Timestamps

  • 00:00 – Intro: Scotland vs Brazil, two hours sleep, six episodes to record
  • 01:25 – What’s coming up: PM change, house prices, rents, LHA & build to rent
  • 01:50 – House prices & rental market overview
  • 01:58 – Local housing allowance — why it matters to landlords
  • 02:36 – Build to rent & pension funds flooding into Scottish property
  • 03:27 – Keir Starmer resigns — what happened
  • 04:18 – Andy Burnham likely next PM — and his history with rent freezes
  • 04:28 – Rent controls in England: why Scotland is one step ahead
  • 05:21 – Capital gains tax: what a new Labour leader could mean for landlords
  • 14:20 – Fred Harrison’s 18-year cycle — five months left for the 2026 crash prediction
  • 15:36 – SpaceX IPO: Elon Musk becomes a trillionaire
  • 20:01 – First Home Fund launched this week — will it empty in days again?
  • 21:56 – Land Registry data: Scotland up 2.2%
  • 23:57 – Bitcoin at $59k — down 50% from its peak
  • 31:15 – LHA rate freeze: 87 of 90 regions can’t cover the bottom 30% of rents
  • 34:30 – Scotland’s discretionary housing payment — sticking plaster or real solution?
  • 35:52 – 45,000 households and 31,000 children affected
  • 35:57 – Scotland puts in £8.7m in support
  • 36:43 – Avant Homes sells 41 Edinburgh homes to Thriving Investments for £10.8m
  • 37:52 – £263k per home — and who’s actually funding it
  • 38:19 – Is mid-market rent exempt from rent controls? The question nobody can answer

Useful Links

Join our monthly property networking events across Scotland and connect with investors, landlords and industry experts. View Upcoming Events

Know someone selling a property? You could earn £1,500 by introducing them to Prime Property Auctions. Visit Prime Property Auctions

Listen to more episodes of The Scottish Property Podcast and explore conversations with investors, landlords and industry experts across Scotland. Browse Episodes

Do you think Andy Burnham will target landlords? Drop it in the comments


800 Units Under Management | The Steelworker’s Scaling Strategy

Episode Overview

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 Orange Sales and Lettings in the North East of England. David’s journey takes in steelworks apprenticeships, delivering tea bags with a wicker basket, a commercial conversion that doubled in cost during Covid, backpacking through Southeast Asia on passive income, and a chance meeting with a stranger in a pub that got him his first offshore job.

This one’s got everything — the crashes, the lessons, the laughs, and a masterclass on building a letting agency from zero to nearly 1,000 properties under management.

Episode Timestamps

  • 00:00 – Welcome & David’s story in numbers
  • 01:01 – Growing up in Billingham, Teesside
  • 01:36 – Private school, kicked out, and finding his feet
  • 03:01 – Walking out on his business teacher after 6 weeks
  • 04:19 – Delivering tea bags door to door with a wicker basket
  • 07:17 – First flip: bought for £52k, made £26k, slept on the floor
  • 10:13 – The 2008 crash — and two new builds he’d just completed on
  • 11:39 – Why new builds off plan was his biggest property mistake
  • 15:03 – Zero knowledge of leverage — the lightbulb moment
  • 16:46 – 46 personal properties: the buy to let foundation
  • 17:05 – Converting 17 offices into 11 apartments
  • 22:44 – Made redundant from the steelworks
  • 23:30 – Backpacking Australia & Southeast Asia
  • 23:51 – $300 left, Perth, and an empty pub
  • 24:29 – The stranger who bought him a pint and changed his life
  • 25:21 – Email Paul Gordon — one message, one offshore career
  • 29:53 – Earning offshore and feeling passive income for the first time
  • 32:33 – Rich Dad Poor Dad, all the books, and going property shopping
  • 34:58 – The 17-office business centre: bought for £450k
  • 35:24 – Covid hits — £450k becomes £750k
  • 37:10 – Starting Orange from a portacabin on site
  • 47:04 – First hire Charlotte — and building the team
  • 49:37 – First agency acquisition
  • 51:01 – Asset purchases vs share purchases explained
  • 51:48 – How David structures every agency deal
  • 51:54 – The deal that’ll take Orange over 1,000 properties
  • 53:22 – Why relationships are the real currency in business
  • 54:09 – David’s sole role at Orange now: buying agencies
  • 1:00:15 – Business rates, national insurance & the real costs of running a team
  • 1:00:25 – AI in property management — what David is integrating right now
  • 1:03:44 – Why AI will never replace emotions in property
  • 1:05:44 – The bank conversion: planning, apartments & serviced accommodation
  • 1:07:07 – Wrap up & Marbella plans

Useful Links

Join our monthly property networking events across Scotland and connect with investors, landlords and industry experts. View Upcoming Events

Know someone selling a property? You could earn £1,500 by introducing them to Prime Property Auctions. Visit Prime Property Auctions

Listen to more episodes of The Scottish Property Podcast and explore conversations with investors, landlords and industry experts across Scotland. Browse Episodes

Would you have sent that email to Paul Gordon? Drop it in the comments


The Hidden Stress of Scaling a Property Portfolio

Episode Overview

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 Cladan Property — a husband and wife team who started investing in 2020 with no strategy and a sold car, and have quietly built a portfolio of 24 properties in five years.

This one isn’t about overnight success. It’s about a slow, steady, intentional approach — two young kids, a teaching job, a brand new mortgage advisory business, and a portfolio that’s just gone through its biggest and most challenging growth phase yet.

Episode Timestamps

  • 00:00 – Welcome to Claire and Dan
  • 02:02 – Growing up in the Highlands & how they met
  • 06:39 – The honeymoon that sparked the business idea
  • 07:54 – One-day property events & the financial advisor who said don’t bother
  • 14:05 – Claire’s teaching career & the stress behind it
  • 17:59 – The difficult years: loss of Dan’s mum
  • 24:26 – The complicated miscarriage & why it changed everything
  • 00:20 – Claire starts investing eight months pregnant in lockdown
  • 19:06 – First deal: analysis paralysis & what pushed them through
  • 19:14 – Analysis paralysis & the first purchase
  • 21:23 – Releasing equity to fund deals three and four
  • 22:07 – Selling the car to fund the second property
  • 32:13 – Working with Jillian and Darren Green — mindset & clarity
  • 33:36 – The vision: cash flow number, lifestyle goals & what they’re building toward
  • 34:36 – Dan’s civil engineering background & the move into property
  • 39:11 – The pivot to short-term lets & the Highland cottage
  • 41:04 – The cottage flat STL in Cardonald
  • 41:14 – 8 months to get the STL licence — what they learned
  • 43:26 – Winter cash flow struggles & the unpredictability of STL
  • 43:40 – The Joseph Todd liquidation post & what it meant for the market
  • 49:25 – Speaking at the April networking event — how it led to two portfolio deals
  • 49:31 – Direct to vendor: the portfolio acquisitions that changed everything
  • 53:31 – Tenanted portfolio — when the cracks started appearing
  • 55:59 – Butting heads as a couple & how they’re working through it
  • 1:00:56 – Dan’s mortgage advisory business & where to find them

Useful Links

Join our monthly property networking events across Scotland and connect with investors, landlords and industry experts. View Upcoming Events

Know someone selling a property? You could earn £1,500 by introducing them to Prime Property Auctions. Visit Prime Property Auctions

Listen to more episodes of The Scottish Property Podcast and explore conversations with investors, landlords and industry experts across Scotland. Browse Episodes

Are you investing as a couple? Drop your experience in the comments

The Homeless Landlord With 12 Properties. Isaac Cross tells all.

Episode Overview

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 saved £140k, came off the Scottish Property Podcast course in January, and went all in on property faster than almost anyone they’ve had on the show.

This one is raw, honest, and genuinely funny. Isaac doesn’t just talk about the wins. He talks about the bridging nightmare on five properties at once, the deals he overpaid for, the sourcing fees that didn’t add up, the solicitor with 98 problems to solve — and what he’d do differently if he were starting again.

Episode Timestamps

  • 00:00 – Welcome to Isaac Cross & the 52 properties in 52 weeks goal
  • 02:04 – Growing up between Aberdeen and Lanarkshire with a single mum
  • 04:35 – ADHD diagnosis as a kid — and how it shapes the way Isaac works
  • 05:21 – Wanting to go offshore like his dad
  • 06:28 – Electrical apprenticeship & how he was the only one who applied
  • 10:55 – Life offshore: earning £90k in his early 20s
  • 16:20 – Moving to Switzerland for the CERN job
  • 16:29 – The best job title, the most boring job
  • 18:59 – First property: Holytown two-bed at 20
  • 21:14 – Bad mortgage advice, blowing the profit, starting over
  • 26:16 – The power of a good power team
  • 33:24 – The Dennistoun flat — bought at home report in peak Covid
  • 35:04 – Social media, personal brand & why Isaac went all in on content
  • 36:38 – The January networking event that flipped the switch
  • 44:04 – First deal in Aberdeen on a plane to Australia
  • 52:07 – Five properties on one bridge — and 98 problems to solve
  • 1:00:19 – The Chinese restaurant accident
  • 1:02:53 – Bidding at auction from Heathrow flying back from Japan
  • 1:06:45 – The community hub plan for the Carluke commercial unit
  • 1:11:55 – First private investor on board & what comes next

Useful Links

Join our monthly property networking events across Scotland and connect with investors, landlords and industry experts. View Upcoming Events

Know someone selling a property? You could earn £1,500 by introducing them to Prime Property Auctions. Visit Prime Property Auctions

Listen to more episodes of The Scottish Property Podcast and explore conversations with investors, landlords and industry experts across Scotland. Browse Episodes

Would you have bought the Chinese restaurant? Drop it in the comments

Scotland’s £10k First Home Fund Is Back — Will It Be Gone in Days?

Episode Overview

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 investors should be paying attention too — because when first-time buyers pile into the 80–100k market, it gets competitive fast.

That’s just one of the stories this month. Gilt rates just hit their highest level since 2008. Scottish rents have dropped annually for the first time in eight years. And a new law coming in April 2027 means one tenant in a joint tenancy can end the lease for everybody — a potential nightmare for HMO landlords.

Episode Highlights

  • The £10k First Home Fund — how it works, the equity catch, and how long it’ll last
  • Rants episode feedback — scarcity selling, FOMO and deals passed around 15 WhatsApp groups
  • Fuel prices, inflation & why CPI came in lower than expected at 2.8%
  • Interest rates: why three or four cuts this year is now off the table
  • Scottish house prices: Glasgow up 2.9%, Scotland up 2.6%, Aberdeen finally climbing
  • Average time to sell in Scotland — 15 days, fastest in the UK
  • Rental market: first annual rent drop in 8 years — and why Nick thinks it’s already bouncing back
  • City rents breakdown: Aberdeen up 1.7%, Glasgow up 0.4%, Edinburgh flat
  • Rent controls update — nothing happening until late 2027 at the earliest
  • The joint tenancy bombshell — one tenant can end the tenancy for everyone from April 2027
  • Why this is a major problem for HMO landlords
  • Rent adjudication changes — the tribunal loophole is closing
  • Down valuations — are surveyors getting more cautious?
  • The 80–100k sweet spot for Scottish BTL investors right now

Episode Timestamps

  • 00:00 – Intro & what’s coming up this episode
  • 01:48 – Rants episode feedback — scarcity selling & FOMO in the market
  • 05:30 – The dodgy deal story — unfactored building, hole in the wall, empty property
  • 12:21 – Listener email — “Fatty” tells Nick to stop interrupting Steven
  • 15:04 – Fuel prices & the macro economy
  • 17:26 – CPI inflation came in at 2.8% — lower than expected
  • 19:47 – Interest rates & why cuts are off the table
  • 21:54 – The 80–100k sweet spot for Scottish BTL right now
  • 24:24 – Post-election results — Reform, SNP minority, what it means
  • 28:31 – The £10k First Home Fund — how it works & the catches
  • 32:16 – Last time this fund launched it was gone in 8 days
  • 34:00 – House prices & the Zoopla index
  • 38:07 – Average time to sell in Scotland: 15 days, fastest in the UK
  • 39:04 – Down valuations — are surveyors getting more cautious?
  • 43:01 – Rental market update — Citylets data
  • 43:21 – First annual rent drop in 8 years
  • 44:49 – City breakdown: Dundee, Aberdeen, Glasgow, Edinburgh
  • 46:46 – Rent controls — nothing until late 2027 at the earliest
  • 50:36 – Rent adjudication changes — tribunal loophole closing April 2027
  • 52:12 – Joint tenancy bombshell — one person can end it for everyone

Useful Links

Join our monthly property networking events across Scotland and connect with investors, landlords and industry experts. View Upcoming Events

Know someone selling a property? You could earn £1,500 by introducing them to Prime Property Auctions. Visit Prime Property Auctions

Listen to more episodes of The Scottish Property Podcast and explore conversations with investors, landlords and industry experts across Scotland. Browse Episodes

Do you think the fund will be gone in days again? Drop it in the comments

Cold pitching in our Facebook group, dodgy sourcers, and LinkedIn spam — we’ve had enough

Episode Overview

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 yes — American tipping culture at Starbucks drive-throughs.

This is the Scottish Property Podcast rants episode. It always does well. You’ll know why by the end.

Episode Highlights

  • Why rushed deal sourcing is putting new investors at risk
  • How to do due diligence on a sourcer before you spend a penny
  • The case for non-refundable deposits in Scottish property sales
  • Why cliques are killing the Scottish property community
  • Cold pitching in Facebook groups — add value first
  • Tipping culture in the US — a rant we all needed to hear

Episode Timestamps

  • 00:00 – Welcome to the rants episode
  • 03:00 – Cold pitching in our Facebook community group
  • 08:00 – LinkedIn inbox: why Steven doesn’t go on it anymore
  • 12:00 – Deal sourcers rushing investors into decisions
  • 18:00 – The 6-minute deal — how much due diligence is that?
  • 24:00 – Younger investors trying to keep up with social media portfolios
  • 29:00 – A sourcer called Natalie — the community calling it out
  • 34:00 – Steven’s Florida rant: Starbucks drive-through tipping culture
  • 40:00 – Scotland’s property system: buyers pulling out with no consequences
  • 47:00 – Three flips, two fall-throughs — the real cost of the Scottish system
  • 52:00 – Non-refundable deposits: should they be the norm?
  • 57:00 – Letting agents: the three-quotes rabbit hole
  • 1:03:00 – Egos and cliques in the Scottish property community
  • 1:10:00 – Going to other people’s events — why Steven loves it
  • 1:15:00 – Copying in business: where’s the line?
  • 1:20:00 – Every fucker’s got a podcast now
  • 1:24:00 – Wrap up, sponsors & G4 Studios shoutout

Useful Links

Join our monthly property networking events across Scotland and connect with investors, landlords and industry experts. View Upcoming Events

Know someone selling a property? You could earn £1,500 by introducing them to Prime Property Auctions. Visit Prime Property Auctions

Listen to more episodes of The Scottish Property Podcast and explore conversations with investors, landlords and industry experts across Scotland. Browse Episodes

What’s YOUR biggest property rant? Drop it in the comments

17 years in the RAF, walked away 3 years before his pension — Ross Orrock’s property story

Episode Overview

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 the most honest voices in the industry. Ross doesn’t just talk about wins. He talks about the Samuel Leeds course that cost him £12k, the social housing Hmos that turned the community against him, the £44-unit rent-to-rent scheme that turned out to be a nationwide scam, and the Grade 2 listed cottage that cost him £90k in losses.

250 deals later, Ross is still standing — and his story is one every property investor needs to hear.

Episode Highlights

  • Leaving the military 3 years short of a full pension
  • The honest truth about property courses — are they worth it?
  • Why budget HMOs are a trap (and what works instead)
  • The City Gate rent-to-rent scam exposed
  • Social housing & asylum seeker contracts — the real story
  • Why Ross never puts his name against third-party builders
  • Investors first vs deals first — the debate settled
  • Long term capital growth vs cash flow — where the real wealth is
  • Northeast England property: areas, prices & what to expect

Episode Timestamps

  • 00:00 – Intro: 17 years RAF, walking away from the pension
  • 04:00 – Deployments: Iraq, Afghanistan & 4 months on a Falklands mountaintop
  • 09:00 – The breaking point — missing 800 days of his daughter’s life
  • 14:00 – Discovering Samuel Leeds on YouTube while deployed
  • 19:00 – Spending £12k inheritance on a property course
  • 24:00 – Starting from zero: divorced, sleeping on his grandad’s couch
  • 29:00 – Why he chose deal sourcing over rent to rent
  • 34:00 – Building his personal brand on Instagram from scratch
  • 39:00 – Investor first vs deal first — Ross’s strong take
  • 44:00 – The budget HMO years: cheap terraces, chaos, and high turnover
  • 50:00 – Social housing & asylum seeker contracts — bricks through windows
  • 57:00 – The City Gate scam: £44 units, a pyramid scheme, and a £96k investor loss
  • 1:06:00 – How it destroyed his reputation (and how he rebuilt it)
  • 1:12:00 – Why he ditched HMOs and went all in on buy to let
  • 1:18:00 – The Grade 2 listed cottage disaster — a £90k lesson
  • 1:26:00 – Building his own portfolio: 10 buy to lets and counting
  • 1:32:00 – How to onboard investors and weed out time wasters
  • 1:38:00 – Northeast property market: where to invest and what to spend
  • 1:44:00 – Oric Property: sourcing, lettings & estate agency

Useful Links

Join our monthly property networking events across Scotland and connect with investors, landlords and industry experts. View Upcoming Events

Know someone selling a property? You could earn £1,500 by introducing them to Prime Property Auctions. Visit Prime Property Auctions

Listen to more episodes of The Scottish Property Podcast and explore conversations with investors, landlords and industry experts across Scotland. Browse Episodes

Have you ever been caught out by a property scam? Drop it in the comments

£5M retail brand, 10 cash properties, still lives at home — Taylor McNeillie’s no-excuses story

Episode Overview

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 reselling Yeezys at 12 years old and skipping class to cop Supreme drops, to opening Empire Glasgow at 18, scaling to £1.8 million in revenue, and quietly buying 10 properties in cash before most people his age have a savings account.

This one is packed with lessons on business, money, social media, and why building a cash-generating business first might be the smartest property strategy of all.

Episode Highlights

  • How Taylor built £500k in business profit before touching property
  • Buying 10 properties mortgage free in under 2 years
  • Why he treats tenants like customers
  • Using social media to find off-market deals
  • The Yeezy stock crisis — and how he handled it
  • Business rates in Glasgow & the retail landscape
  • Why Taylor avoids serviced accommodation and shiny penny strategies
  • His plan to refinance a portfolio deal and scale further

Episode Timestamps

  • 00:00 – Intro: Taylor’s story in numbers
  • 02:30 – Growing up in East Dorsetshire & early entrepreneurial spark
  • 06:00 – Reselling Yeezys at 12 using his dad’s credit card
  • 11:00 – Supreme drops from the school toilet at 11am
  • 16:00 – Building the Empire Glasgow Instagram page
  • 22:00 – Covid hits — and changes everything
  • 27:00 – Opening the pop-up in Princes Square at 18
  • 33:00 – Going full time: signing the long-term lease
  • 38:00 – Silverburn Christmas pop-up & £790k quarter
  • 43:00 – Running 9 staff at 19 — winging it and winning
  • 49:00 – Revenue peaks at £1.8M — then the Yeezy disaster
  • 55:00 – Business rates, retail challenges & Glasgow high street
  • 1:02:00 – The property lightbulb moment & 500k sitting in the bank
  • 1:08:00 – First deal: 2-bed in Cambuslang for £65k (never seen it)
  • 1:14:00 – Buying mortgage free — the no-debt philosophy
  • 1:20:00 – TikTok, the £28k flat and the “parasite landlord” comments
  • 1:28:00 – 10 properties, £700k portfolio, still at home with mum
  • 1:34:00 – Future plans: portfolio deals, refinancing & commercial property

Useful Links

Join our monthly property networking events across Scotland and connect with investors, landlords and industry experts. View Upcoming Events

Know someone selling a property? You could earn £1,500 by introducing them to Prime Property Auctions. Visit Prime Property Auctions

Listen to more episodes of The Scottish Property Podcast and explore conversations with investors, landlords and industry experts across Scotland. Browse Episodes

What do you think of the no-mortgage approach? Drop it in the comments

SNP, Labour, Reform — who’s best for property investors in Scotland?

Episode Overview

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 anyone trying to build a portfolio in Scotland right now.

From ADS cuts to rent controls, council tax hikes of up to 500%, first-time buyer grants, and a housing building crisis — this one is packed with real talk on the policies that will shape the Scottish property market for years to come.

Episode Highlights

  • ADS breakdown by party — Tories want to cut from 8% to 4%
  • Rent controls: CPI+1% capped at 6% — what it means for you
  • Council tax on second homes — up to 500% in some areas
  • Short-term let licence & small business bonus scheme changes
  • SNP’s right to buy proposal & £10k first-time buyer grant
  • Why Scotland’s house building targets keep getting missed
  • The social housing cost crisis & impact on private developers
  • Edinburgh’s 5% tourist levy coming July 2026

Episode Timestamps

  • 00:00 – Intro: why this election matters to property investors
  • 02:00 – Election overview: latest polls & party predictions
  • 06:00 – Reform’s rise in Scotland & what it means
  • 10:00 – ADS (Additional Dwelling Supplement): party by party breakdown
  • 18:00 – LBTT: who wants to cut it, scrap it, or raise it?
  • 24:00 – Multiple Dwellings Relief (MDR): is it safe?
  • 28:00 – Rent controls: CPI+1% capped at 6% — is that fair?
  • 35:00 – Council tax: the 500% increase in Midlothian explained
  • 42:00 – Short-term lets, Airbnb & the small business bonus loophole closing
  • 48:00 – Edinburgh tourist levy from July 2026
  • 52:00 – First-time buyers: right to buy & the £10k SNP grant
  • 1:00:00 – House building targets: will any party actually deliver?
  • 1:08:00 – The £307k social house in Clydebank worth £200k
  • 1:18:00 – Build to rent, private equity & what Scotland needs
  • 1:25:00 – Energy, North Sea drilling & the Norway comparison
  • 1:30:00 – Who are they voting for? Networking events & wrap-up

Useful Links

Join our monthly property networking events across Scotland and connect with investors, landlords and industry experts. View Upcoming Events

Know someone selling a property? You could earn £1,500 by introducing them to Prime Property Auctions. Visit Prime Property Auctions

Listen to more episodes of The Scottish Property Podcast and explore conversations with investors, landlords and industry experts across Scotland. Browse Episodes

Drop your questions or opinions in the comments — who are YOU voting for?

From Humble Beginnings to Building a Property Portfolio: The No-Excuses Property Journey

Episode Overview

No inheritance. No safety net. No excuses.

In this episode of The Scottish Property Podcast, Jason Kelly shares how he moved from oil and gas into property, using investor-finance property deals, off-market opportunities, and refurb projects to start building his portfolio in Scotland.

Jason’s story is a useful look at how investor-financed property strategies can help new investors move faster, while still requiring strong due diligence, reliable relationships, and careful deal analysis.

Episode Highlights

  • Leaving a well-paid job to go full-time in property
  • Funding your first deals with no cash using investor finance
  • Buy-to-let, flips & assisted sales — what actually works
  • Why project management fees are worth every penny
  • Finding off-market deals through relationships (not Rightmove)
  • Building a property portfolio in Scotland from scratch
  • Growing a property business through social media

Episode Timestamps

  • 00:00 – Introduction & Cadbury’s Heroes
  • 02:00 – Growing up in Linwood: humble beginnings
  • 06:30 – The car accident that changed everything
  • 12:00 – Leaving school & landing an oil & gas apprenticeship
  • 18:00 – Life offshore: the money, the lifestyle, the downsides
  • 26:00 – Becoming disillusioned with the rat race
  • 31:00 – Discovering property through a two-day event
  • 36:00 – First deal sourced & selling the Shawlands flat
  • 43:00 – Living in a flip (don’t do this)
  • 50:00 – Going full-time in property in April 2024
  • 56:00 – Project managing refurbs & building a team
  • 1:05:00 – Sourcing off-market deals & working with investors
  • 1:12:00 – The assisted sale that made £30k (and the Celtic legend connection)
  • 1:20:00 – Social media, TikTok investors & getting slaughtered offshore
  • 1:27:00 – The Hamilton Starbucks networking event
  • 1:32:00 – Where to find Jason

Useful Links

Join our monthly property networking events across Scotland and connect with investors, landlords and industry experts. View Upcoming Events

Know someone selling a property? You could earn £1,500 by introducing them to Prime Property Auctions. Visit Prime Property Auctions

Listen to more episodes of The Scottish Property Podcast and explore conversations with investors, landlords and industry experts across Scotland. Browse Episodes

Drop your questions in the comments