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.
All episodes
Best episodes
Seasons
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.
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.
Don't be afraid of mortgages! An update on the mortgage market, first-time buyer tips & remortgaging in 2024
The ESPC Property Show
02/29/24 • 33 min
Welcome back to season 3 of the ESPC Property Show - a podcast for property enthusiasts and home hunters across Edinburgh, the Lothians, Fife and the Scottish Borders.
In this episode, hosts Paul and Megan are joined by two ESPC Mortgages colleagues Paul Demarco and David Lauder to discuss and debunk the mortgage market including how much cash first-time buyers need to buy, what properties are more difficult to mortgage, why overpaying your mortgage is a good idea and the best mortgage term to pick.
KEY TOPICS:
0:00-0:58 Introduction
0:58-1:35 Meet Paul & David
1:35-3:15 How is the 2024 mortgage market?
3:15-4:54 Bank of England rate predictions
5:54-6:19 How much deposit do first-time buyers need?
7:34-9:28 What properties are hard to get mortgages on?
9:28-10:55 Cladding and mortgages
10:55-13:28 Barriers to getting a mortgage
13:28-14:27 Getting a mortgage with a new job
14:27-15:14 Getting a mortgage with no credit score
15:14-15:32 Self-employed mortgages
15:32-16:06 Side hustles and mortgages
16:06-16:45 How to improve your credit score
16:45-18:11 What happens after an offer is accepted?
18:11-20:59 Why overpay on your mortgage?
20:59-21:46 Increased property value and loan to value
21:46-24:14 What mortgage term is best?
24:14-26:26 Advice for mortgage terms ending in next 6 months
26:26-28:39 Things you may not know about getting a mortgage
28:39-31:46 Other factors that make it hard to get a mortgage
31:46-33:25 Outro
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.
Property market update for Q1 2024
The ESPC Property Show
04/04/24 • 23 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.
They chat with Ivan Ralph (CEO, Ralph Sayer) and Sofia Renshaw (Trainee Solicitor, Davidsons) about property hotspots for buyers, landlords leaving the market and whether or not now is a good time to buy.
Read our full March House Price Report here: https://bit.ly/4axxCxv
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's happening in the West Fife property market?
The ESPC Property Show
11/21/24 • 23 min
In this week's episode, Megan & Paul chat to Elaine Kyle (Morgans) and Michael Maloco (Maloco Mowat Parker) about the local market in West Fife.
They discuss the affordability of the area, their Fife hidden gems and what the 2025 property outlook is for the area.
Skip to the bit most relevant to you:
0:00-1:10 Intro
1:40-4:41 Where are the key areas in Fife?
4:41-6:30 How is the West Fife property market performing?
6:30-9:24 Managing seller expectations
9:24-11:14 Reasons to live in West Fife
11:14-13:27 Hotspots with the most activity in West Fife
13:27-19:09 Predictions for the 2025 market
19:09-22:54 Where is in high demand?
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.
Out of City Living
The ESPC Property Show
03/16/23 • 37 min
On this week's episode Paul & Megan are joined by Ron Hastings (Hastings Legal) and Anna Morton (Thorntons) to discuss buying, selling and living out with a big city.
Ron brings his expertise of the Scottish Borders property market, while Anna talks us through what's happening in her jurisdiction of East Fife.
We discuss the current market and of course, the impact of Covid, as well as reasons to move out of the Edinburgh bubble and some great general property advice too.
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 create a homeowners association in Edinburgh tenement buildings
The ESPC Property Show
03/07/24 • 30 min
In this week's episode of the podcast, we're talking about flats and the responsibility you have as the homeowner of a flat in a Scottish tenement building. Paul & Megan chat to Under One Roof's Chief Executive Mike Heffron about how to create a homeowner's association, how to manage communal space/roof repairs and how to enforce payment when some occupants won't pay up.
It's an interesting look into the legislation and responsibilities affecting any homeowner who lives in a flatted property. If you'd like to find out more about Under One Roof and the work they do, you can head to their website: https://underoneroof.scot/
Skip to the part relevant to you:
0:00-0:42 Introduction
0:42-5:17 About Under One Roof
5:17-8:00 How to create a homeowner's association
8:00-8:51 Homeowner assocation templates
8:51-12:06 Using titles deeds in Scotland
12:06-13:28 When a title deed is silent on an issue
13:28-14:02 If you can't find a title deed
14:02-17:28 How to operate a homeowner's association
17:28-18:31 Scotland's Tenement Act
18:31-20:09 Enforcing payment
20:09-
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 tenement flats
The ESPC Property Show
05/09/24 • 21 min
Join us for part two of our episode with Mike Heffron from Under One Roof, where we delve into the world of retrofitting tenement flats in Edinburgh. Learn about the challenges, solutions, and future directions in making these traditional buildings more energy efficient and sustainable. From insulation dilemmas to district heating solutions, we cover it all in this insightful conversation. Don't miss out on valuable tips and expert advice to prepare your tenement flat for the future!
Read more about the Heat in Buildings Bill here: https://espc.com/news/post/homeowners-need-more-support-from-the-scottish-government-s-heat-in-buildings-bill
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.
Show more best episodes
Show more best episodes
FAQ
How many episodes does The ESPC Property Show have?
The ESPC Property Show currently has 78 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.
Show more FAQ
Show more FAQ