In today's episode, I'm joined by Tom Charrier. Tom is one half of Fat Properties and, together with his wife Philippa, has been building an incredible business of HMOs and other properties in Lancaster.

We're going to find out exactly how they built their portfolio and how they're bucking the trend in the student market. In this conversation, Tom and I discuss:

• His background and how he got started in property investing
• How he transitioned from his day job to full-time property
• His investment criteria and approach when looking for deals
• The challenges faced by landlords
• A case study of a commercial-to-residential project
• The importance of understanding the planning system
• The risks involved in property development

Whether you're at the beginning of your journey or an experienced investor looking to scale up, this episode is a must-listen for valuable insights and tips.

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