The ESPC Property Show
ESPC (UK) Ltd
The ESPC Show is the podcast to listen to if you're interested in any part of the Scottish property market! Each week we'll dive into a topic and share all that you need to know about it. Our promise is to provide honest, jargon-free and data driven advice from informative expert guests. Covering everything from buying a home in Scotland for the first time to investing in a rental property, The ESPC Show is the perfect audio companion. ESPC is the home of property in Edinburgh, the Lothians, Fife, the Scottish Borders, Dumfries and Galloway and the West of Scotland. We are so much more than a property portal though, we provide mortgage advice through ESPC Mortgages and a full lettings management service with ESPC Lettings, as well as a wide network of solicitor estate agent member firms and a host of Scottish property advice.
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Top 10 The ESPC Property Show Episodes
Goodpods has curated a list of the 10 best The ESPC Property Show episodes, ranked by the number of listens and likes each episode have garnered from our listeners. If you are listening to The ESPC Property Show for the first time, there's no better place to start than with one of these standout episodes. If you are a fan of the show, vote for your favorite The ESPC Property Show episode by adding your comments to the episode page.
Are interest rates dropping? Update on mortgage market
The ESPC Property Show
10/03/24 • 21 min
In this week's episode of the ESPC Property Show, Paul & Megan are joined by their ESPC Mortgages colleagues, Paul Demarco and Lisa Bell to discuss the current mortgage market and what home movers can expect to see in their mortgage deals.
CHAPTERS:
0:00-0:30 Intro
0:30-2:10 Working out how much money you can borrow
2:10-3:14 Calculating affordability
3:14-5:07 How do children and pregnancy affect your mortgage eligibility?
5:07-6:21 How to find out what your credit score is
6:21-7:57 How much money do you need to buy a home?
7:57-9:16 Additional costs to mortgages
9:16-11:07 Money saving advice
11:07-11:34 When is the best time to speak to a mortgage advisor
The initial consultation with an ESPC Mortgages adviser is free and without obligation. Thereafter, ESPC Mortgages charges for mortgage advice are usually £395 (£345 for first-time buyers). YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOANS SECURED AGAINST IT.
The information contained within this website is subject to the UK regulatory regime and therefore restricted to consumers based in the UK.
The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren’t able to resolve themselves. To contact the Financial Ombudsman Service, please visit www.financial-ombudsman.org.uk.
ESPC (UK) Ltd is an Appointed Representative of Lyncombe Consultants Ltd which is authorised and regulated by the Financial Conduct Authority.
Got a question for us? Send us a text message!
Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on [email protected] or via our social media channels. You can also help other people find us by sharing the episode or leaving us a review and rating from wherever you're listening!
To find out more about ESPC and our solicitor estate agent member firms, you can head to our website.
You can read our most recent house reports here: http://bit.ly/3CQlEQw
Read the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders here: http://bit.ly/3IPOR1T
ESPC is more than just a market leading property website. We are the home of property and are here to help you at every stage of your property journey.
Buying unmarried, getting divorced and pre-nups
The ESPC Property Show
09/28/23 • 43 min
This week, Megan & Paul chat about how marital status can affect property ownership.
The episode includes a discussion with legal experts, Dianne Millen and Kimberley Mackay from ESPC solicitor estate agency Watermans. In the chat, we talk about buying a home as an unmarried couple, divorce and property as well as the importance of getting a will.
You can watch the full episode on our YouTube channel here.
Got a question for us? Send us a text message!
Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on [email protected] or via our social media channels. You can also help other people find us by sharing the episode or leaving us a review and rating from wherever you're listening!
To find out more about ESPC and our solicitor estate agent member firms, you can head to our website.
You can read our most recent house reports here: http://bit.ly/3CQlEQw
Read the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders here: http://bit.ly/3IPOR1T
ESPC is more than just a market leading property website. We are the home of property and are here to help you at every stage of your property journey.
What is it like to live in North Berwick?
The ESPC Property Show
05/02/24 • 21 min
Join Paul and Megan as they explore the vibrant property market in North Berwick with local experts Sophie from Coulters and Daniel from Paris Steele. Discover why North Berwick is voted the best place to live in the UK, its family-friendly community, and the diverse range of properties available.
From golden beaches to a charming high street, find out why North Berwick is a hotspot for buyers. Plus, get insider tips on navigating the market and must-visit spots in the area!
Skip to the most relevant part ⬇️
0:00-0:44 Introduction
0:44-2:15 Meet Sophie & Daniel
2:15-3:48 How is the North Berwick property market right now?
3:48-5:10 What's selling fast?
5:10-6:29 Transport links from North Berwick
6:29-10:44 Advice for buying in North Berwick
10:44-13:10 Why is North Berwick a great place to live?
13:10-14:07 What is the community like in North Berwick?
14:07-15:58 Where are the North Berwick hotspots?
15:58-18:56 What is the market like on the outskirts of North Berwick
18:56-21:22 ESPC data for North Berwick market
Got a question for us? Send us a text message!
Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on [email protected] or via our social media channels. You can also help other people find us by sharing the episode or leaving us a review and rating from wherever you're listening!
To find out more about ESPC and our solicitor estate agent member firms, you can head to our website.
You can read our most recent house reports here: http://bit.ly/3CQlEQw
Read the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders here: http://bit.ly/3IPOR1T
ESPC is more than just a market leading property website. We are the home of property and are here to help you at every stage of your property journey.
How to buy a home in Scotland
The ESPC Property Show
04/13/23 • 40 min
Whether you're a first time buyer or someone who hasn't bought a property in a very long time, this is the episode for you! Paul and Megan are joined by two of our solicitor estate agent member firms to talk you through exactly how to buy a home in Scotland in 2023.
Our guests are David Marshall from Warners and Hannah Gaddie from Gillespie Macandrew.
Some of the topics covered include how to pick your solicitor estate agent, what to ask at a property viewing and what happens at a closing date.
Got a question for us? Send us a text message!
Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on [email protected] or via our social media channels. You can also help other people find us by sharing the episode or leaving us a review and rating from wherever you're listening!
To find out more about ESPC and our solicitor estate agent member firms, you can head to our website.
You can read our most recent house reports here: http://bit.ly/3CQlEQw
Read the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders here: http://bit.ly/3IPOR1T
ESPC is more than just a market leading property website. We are the home of property and are here to help you at every stage of your property journey.
How much can you charge for rent? Advice for new Edinburgh landlords in 2025
The ESPC Property Show
04/03/25 • 31 min
In this episode of the ESPC Property Show, Paul and Megan are joined by returning guest Nicky Lloyd, Head of Lettings at ESPC Lettings. They cover some new ground in this discussion including advice for new landlords, why more and more homeowners are opting to rent their properties instead of sell and how much rent should be priced at.
Got a question for us? Send us a text message!
Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on [email protected] or via our social media channels. You can also help other people find us by sharing the episode or leaving us a review and rating from wherever you're listening!
To find out more about ESPC and our solicitor estate agent member firms, you can head to our website.
You can read our most recent house reports here: http://bit.ly/3CQlEQw
Read the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders here: http://bit.ly/3IPOR1T
ESPC is more than just a market leading property website. We are the home of property and are here to help you at every stage of your property journey.
Property market update for Q3 2023
The ESPC Property Show
10/05/23 • 40 min
In this week's episode, Megan & Paul chat through the latest stats on the property market in Edinburgh, the Lothians, Fife and the Scottish Borders.
Initially, they chat through the ESPC data for the last three months before having a wider discussion with Maurice Allan (Managing Director of Estate Agency at Lindsays) and Lyndsey Beckwith (Head of Estate Agency at Ralph Sayer). The chat covers property hotspots for buyers, landlords leaving the market and whether or not now is a good time to buy.
Read our full September House Price Report here: https://bit.ly/3ZGWP3z
Got a question for us? Send us a text message!
Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on [email protected] or via our social media channels. You can also help other people find us by sharing the episode or leaving us a review and rating from wherever you're listening!
To find out more about ESPC and our solicitor estate agent member firms, you can head to our website.
You can read our most recent house reports here: http://bit.ly/3CQlEQw
Read the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders here: http://bit.ly/3IPOR1T
ESPC is more than just a market leading property website. We are the home of property and are here to help you at every stage of your property journey.
How to buy your dream home before you sell your own! A guide to bridging loans
The ESPC Property Show
11/14/24 • 21 min
On this week's episode Paul & Megan chat to Alistair Ewing (Managing Director at The Lending Channel) about bridging finance.
What is bridging finance? It's a form of borrowing that allows property buyers to fund their purchase while they put their current home on the market.
Skip to the part that's relevant to you:
0:00-1:48 Intro
1:48-2:45 What is a bridging loan?
2:45-3:26 Why are they less common now?
3:26-4:16 Are bridging loans expensive?
4:16-5:06 What's the average term for a bridging loan?
5:06-6:30 Interest rate and duration implications
6:30-7:43 Risks involved in using bridging finance
7:43-9:14 What happens to the loan if you sell before the end of the term?
9:14-10:47 Using bridging finance to improve buying situation
10:47-12:44 Scenarios when bridging finance could be used
12:44-14:30 Why do lenders need an additional survey?
14:30-16:40 How does the application process differ from a standard mortgage?
16:40-20:15 Common concerns around bridging finance
Got a question for us? Send us a text message!
Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on [email protected] or via our social media channels. You can also help other people find us by sharing the episode or leaving us a review and rating from wherever you're listening!
To find out more about ESPC and our solicitor estate agent member firms, you can head to our website.
You can read our most recent house reports here: http://bit.ly/3CQlEQw
Read the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders here: http://bit.ly/3IPOR1T
ESPC is more than just a market leading property website. We are the home of property and are here to help you at every stage of your property journey.
Energy efficiency in traditional Edinburgh homes
The ESPC Property Show
02/23/23 • 39 min
Period homes in Edinburgh are famously inefficient when it comes to energy use, but how can you make your traditional home more environmentally friendly?
Well, we have some answers for you! Paul & Megan are joined by Jo Parry-Geddes from Mill Architects and Moses Jenkins from Historic Environment Scotland to chat through the issues that aging properties pose, as well as some solutions!
Topics covered include EPC ratings, retrofitting, quick fixes, stair association groups and general maintenance of older homes.
Here are the links to some of the supporting materials referenced in the episode:
Bute House Agreement which sets targets (page 15)
HES guidance on retrofit
HES Mould guidance
HES Blog on condensation
Got a question for us? Send us a text message!
Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on [email protected] or via our social media channels. You can also help other people find us by sharing the episode or leaving us a review and rating from wherever you're listening!
To find out more about ESPC and our solicitor estate agent member firms, you can head to our website.
You can read our most recent house reports here: http://bit.ly/3CQlEQw
Read the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders here: http://bit.ly/3IPOR1T
ESPC is more than just a market leading property website. We are the home of property and are here to help you at every stage of your property journey.
Retrofitting & making your home energy efficient with EcoCosi from Changeworks
The ESPC Property Show
11/16/23 • 44 min
In this episode of the ESPC Property Show, Paul and Megan are joined by Ewan and Sam from Changeworks, a Scottish environmental charity that delivers solutions for low carbon living. Changeworks has over 35 years’ experience in delivering high impact solutions for low-carbon living. They work collaboratively with partners, organisations and householders to drive transformation in energy efficiency and to tackle fuel poverty.
They discuss retrofitting and making homes more energy efficient, including tips, ground source heat pumps, air source heat pumps, and their new home retrofitting service - EcoCosi. They also discuss the importance of looking at what else a property needs before starting retrofitting, and the importance of ventilation measures.
Find out more about Changeworks here
Learn more about EcoCosi here
Find out more about retrofit funding here
You can watch the episode in full on our YouTube channel.
Key topics:
0:00-1:20 Introduction
1:21-4:40 What is Changeworks?
4:41-9:39 What is retrofitting?
9:40-16:58 What is EcoCosi?
16:59-18:27 What type of property can be retrofitted?
18:28-21:17 How much does an EcoCosi report cost and what is involved?
21:18-23:44 Is there funding available for retrofitting?
23:45-28:19 What is involved in changing your boiler to a heat pump?
28:20-30:19 How to ground sourced heat pumps and air sourced heat pumps work?
30:20-31:25 Short term tips for making your home more energy efficient
31:26-33:09 Long term tips for making your home more energy efficient
33:10-34:38 How should you use your heating system?
34:39-36:20 How much electricity can solar panels generate?
36:21-42:40 What's the future of the technology?
42:41-44:24 Wrap up from Megan & Paul
Got a question for us? Send us a text message!
Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on [email protected] or via our social media channels. You can also help other people find us by sharing the episode or leaving us a review and rating from wherever you're listening!
To find out more about ESPC and our solicitor estate agent member firms, you can head to our website.
You can read our most recent house reports here: http://bit.ly/3CQlEQw
Read the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders here: http://bit.ly/3IPOR1T
ESPC is more than just a market leading property website. We are the home of property and are here to help you at every stage of your property journey.
Tax implications for landlords
The ESPC Property Show
03/09/23 • 29 min
This week Megan & Paul are joined by tax specialist, Alison Pryde from Anderson Strathern. After the recent increase of the Additional Dwelling Supplement tax in Scotland from 4-6% in December, we decided it would be good to chat through the effects of this on landlords.
We also discuss Land and Building Transaction Tax, Capital Gains Tax and whether or not to set up as a limited company before becoming a landlords.
It's a great listen and full of useful information for those thinking about investing in a buy-to-let.
If you'd like to get in touch with Alison, you can head to their website here.
Got a question for us? Send us a text message!
Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on [email protected] or via our social media channels. You can also help other people find us by sharing the episode or leaving us a review and rating from wherever you're listening!
To find out more about ESPC and our solicitor estate agent member firms, you can head to our website.
You can read our most recent house reports here: http://bit.ly/3CQlEQw
Read the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders here: http://bit.ly/3IPOR1T
ESPC is more than just a market leading property website. We are the home of property and are here to help you at every stage of your property journey.
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FAQ
How many episodes does The ESPC Property Show have?
The ESPC Property Show currently has 79 episodes available.
What topics does The ESPC Property Show cover?
The podcast is about News, Property, Investing, Investment, Podcasts and Business.
What is the most popular episode on The ESPC Property Show?
The episode title 'Relocation, relocation, relocation' is the most popular.
What is the average episode length on The ESPC Property Show?
The average episode length on The ESPC Property Show is 29 minutes.
How often are episodes of The ESPC Property Show released?
Episodes of The ESPC Property Show are typically released every 7 days.
When was the first episode of The ESPC Property Show?
The first episode of The ESPC Property Show was released on Jan 17, 2023.
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