In this episode of the Scottish Property Podcast, Nick and Steven return with a jam-packed market update, covering everything from global economic trends to local property prices. They dive into the latest landlord legislation, interest rate forecasts, and the growing shift from amateur landlords to serious portfolio investors.

Key Highlights:

📉 Mortgage Market & Interest Rates

• Why the IMF is predicting three interest rate cuts this year

• How global trade tensions (yes, Trump again) could bring cheaper goods to the UK

• Latest 5-year swap rate and new limited company mortgage deals from The Mortgage Works

🏠 Scottish Property Price Trends

• House prices up 5.7% annually with East Renfrewshire leading at +10.6%

• Steven’s flip project in Dunfermline – who the buyers will be and how the numbers stack up

📈 Rental Market Update

• ONS rental data shows 5.7% annual increase in Scotland, but things are cooling

• Why agents are now reducing asking rents in Aberdeen and Glasgow

• The impact of fewer foreign students and increased supply

⚖️ Landlord Regulation & Housing Bill

• Labour’s proposal to jail landlords for illegal evictions

• Debate over rent controls, eviction rules, and the shifting narrative

• Why Nick took to the BBC to defend the landlord perspective

📊 Landlord Numbers & Social Housing

• 1,000 fewer landlords—but an increase in registered properties

• A shift from amateur landlords to serious portfolio players

• The shocking number of empty social homes despite a housing crisis

As the Scottish property market evolves, landlords are facing new pressures but also fresh opportunities. From political debates to mortgage updates, this episode gives you the full picture of what’s happening on the ground. Whether you're flipping houses, growing a rental portfolio, or just trying to stay ahead of the curve, this episode is packed with valuable insights and commentary.

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**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

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Steven@steven-clark.com

Nick@arcproperty.uk

Steven and Nick sit down with Sean Spalding, a former 9-to-5er who transitioned into a full-time career in property. From being a listener during the early days of the podcast in lockdown, to becoming a sought-after property sourcer and refurbishment project manager, Sean shares his journey, the realities of grafting behind the scenes, and how he built a property-related business without owning a massive portfolio himself.

Key Highlights:

🛠️ From Sales to Sourcing

• Sean’s background in sales and how it helped him break into property

• The skills you don’t learn in a course but must master in real life

• Going from podcast listener to guest—what changed in 5 years

🏃‍♂️ Escaping the 9-to-5

• Balancing a day job, family, and building a business in the evenings

• How he used flexibility in his job to view properties and educate himself

• Taking the leap—using a credit card to pay for training

🔍 The Realities of Sourcing & Project Management

• How Sean got his first deal and built his early client base

• The truth about sourcing fees, mandates, and client communication

• Managing multiple refurb projects: the stress, systems, and lessons

📢 Marketing, Leads & Facebook Ads

• How Sean learned to generate off-market leads

• What works (and doesn’t) with Facebook ad campaigns

• Why follow-up is where the money is

#scottishpropertypodcast #propertysourcing #propertyrefurbs #financialfreedom #leavethe9to5 #dealpackaging #offmarketdeals #projectmanagement #glasgowproperty #propertyhustle #propertyeducation

In this special Dubai edition of the Scottish Property Podcast, Nick and Steven catch up with Calum White — one of the most recognisable names in Dubai real estate. Originally from Scotland, Calum is now the CEO of one of the top brokerages in Dubai, overseeing a team of over 400 people. In this high-energy episode, he shares how he built his business from scratch, the realities of life in Dubai, and what it really takes to succeed in one of the world’s most competitive property markets.

This is more than just a property chat — it’s an inside look at scaling a business, leadership mindset, adapting to high growth, and balancing ambition with lifestyle.

Episode Highlights:

🏢 Building Dubai’s Fastest Growing Brokerage

• How Calum grew from solo broker to 400+ staff in just 4 years

• The daily routines and leadership structure behind a high-performance culture

• Creating systems, training, and accountability to support scale

🚀 High Stakes, High Rewards

• Why real estate in Dubai is one of the highest levels of sales in the world

• The brutal reality of commission-only performance

• What separates top performers from those who don’t make it

🌴 Dubai Lifestyle & Business Insights

• The upsides of tax-free income, luxury living, and 10-minute Coca-Cola deliveries

• Distractions young agents face – and how discipline determines success

• Is Dubai property heading for a crash or just getting started?

💼 Mentorship, Standards & Growth

• Why Calum still walks the sales floor every morning

• Lessons from managing friends in business

• Advice for anyone thinking of making the move to Dubai

This episode is a masterclass in entrepreneurship, sales, and leadership from someone who’s walked the walk. Calum White's rise in the Dubai property scene is a story of hustle, systems, and focus — with plenty of inspiration and valuable takeaways for listeners across the property spectrum. Whether you're considering a move to Dubai or want to build a high-performance business anywhere, this episode is one not to miss.