In this episode of the Scottish Property Podcast, Emma Ross joins us to share her journey from working in the corporate banking sector to establishing her own commercial finance business. With over a decade of experience, Emma dives into the world of creative property financing, discussing how tailored solutions can unlock opportunities for investors. Whether you're a seasoned property developer or just starting, this episode provides invaluable insights into the often-complex world of property finance.

Episode Highlights:

• Emma’s Background and Journey:

  • From her early career at HSBC to managing Scotland and Northern Ireland for a master brokerage.
  • The decision to launch Ross Commercial Finance and prioritise values-driven business practices.

• Creative Financing Solutions:

  • Leveraging tools like title splits, grants, and background assets to secure 100% funding.
  • How commercial valuations differ from residential and why understanding these nuances is crucial.
  • Real-life examples of unique deals, including high-value commercial assets and liquidator sales.

• Commercial Property Trends:

  • Increasing interest in commercial property investments due to government legislation and tighter residential regulations.
  • The rise of semi-commercial properties and creative funding strategies for unique assets.

• Key Tips for Investors:

  • The importance of understanding lender requirements and valuation types.
  • How to manage risk, negotiate better terms, and identify opportunities in challenging markets.
  • The value of building strong relationships with brokers and lenders to maximise your financing options.

Emma Ross’s approach to creative property financing proves that knowledge and strategy are key to unlocking potential in the market. Whether you’re exploring commercial property, semi-commercial assets, or innovative funding options, this episode offers practical advice to elevate your property journey.

Follow Emma Ross on Instagram: www.instagram.com/emma_ross_commercial_finance ------------------------------------------------------------

Prime Property Auctions – Sell your property with no upfront costs and control the reserve price.

Prime Property Auction:

www.instagram.com/primepropertyauctions/

John: www.instagram.com/john_property_auctioneer/

Luis: www.instagram.com/luis_property_auctioneer/

Visit Prime Property Auction website: https://primepropertyauctions.co.uk/

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#scottishpropertypodcast #propertyinvestment #realestate #creativefinancing #commercialproperty #semicommercial #fundingstrategies #scottishhousing #investmenttips #newpodcastepisode

In this episode of the Scottish Property Podcast, we’re joined by Tony Carriden, an experienced property investor and developer, to explore his journey in the industry. Tony shares how he overcame obstacles, adapted to market changes, and built a thriving property portfolio. From navigating challenges in financing and regulations to uncovering hidden opportunities in today’s market, Tony provides actionable insights for property enthusiasts at all levels.

Episode Highlights:

• Tony’s Journey into Property:

  • How Tony got started in property investment and the key decisions that shaped his success.
  • His transition from smaller projects to larger developments and how he navigated the learning curve.

• Overcoming Financing Challenges:

  • Tony’s strategies for securing financing in a competitive and ever-changing market.
  • The importance of building relationships with lenders and private investors.

• Adapting to Market Trends:

  • How Tony stays ahead of market shifts, including the impact of interest rates, rental demand, and new regulations.
  • Why flexibility and innovation are critical for long-term success in property.

• Identifying Opportunities in a Tough Market:

  • Tony shares how he spots under-the-radar investment opportunities, even in challenging conditions.
  • Advice for balancing risk and reward when evaluating new projects.

• Lessons for Aspiring Property Investors:

  • The importance of patience, persistence, and ongoing education in property.
  • Tony’s top tips for building a solid portfolio, from diversifying investments to assembling a reliable team.

Tony Carriden’s journey is a testament to the power of resilience, adaptability, and a keen eye for opportunity. Whether you’re just starting in property or looking to level up your portfolio, his insights offer practical advice and fresh perspectives to help you navigate market challenges and uncover hidden potential. Don’t miss this episode packed with valuable lessons and inspiration!

Follow Tony Carrigan on the following channels: LinkedIn: https://uk.linkedin.com/in/tony-carrigan-bab581289 Instagram: https://www.instagram.com/tony_carrigan_property/ ---------------------------------------------

Prime Property Auctions – Sell your property with no upfront costs and control the reserve price.

Prime Property Auction: www.instagram.com/primepropertyauctions/

John: www.instagram.com/john_property_auctioneer/

Luis: www.instagram.com/luis_property_auctioneer/

Visit Prime Property Auction website: https://primepropertyauctions.co.uk/

------------------------------------ #scottishpropertypodcast #propertyinvestment #realestate #propertymarket #propertydevelopment #financingtips #scottishhousing #investmentopportunities #businessgrowth #newpodcastepisode

In this episode of the Scottish Property Podcast, we’re joined by two seasoned property professionals, John Morris and John Cox. Together, they share candid insights into the highs and lows of building and scaling their respective businesses, managing teams, navigating market challenges, and finding balance between personal and professional life. Whether you're a property investor, developer, or entrepreneur, this episode is filled with practical advice and real-world stories to inspire your journey.

Episode Highlights:

• Starting and Scaling Property Businesses:

  • John Morris shares how Prime Property Auctions scaled aggressively from a two-person attic operation to a 15-strong team in a city-centre office.
  • John Cox discusses Cox and Co’s evolution into a multi-service property business, offering lettings, estate agency, mortgages, and investment services.

  
  

• Building Effective Teams:

  • Strategies for recruiting, retaining, and motivating staff, including commission structures and fostering collaboration.
  • How autonomy and a supportive team culture drive better results in the workplace.

  
  

• Balancing Work and Life:

  • Both guests reflect on the challenges of maintaining work-life balance while running growing businesses.
  • The importance of setting boundaries, such as avoiding work calls on weekends and prioritising family moments.

  
  

• Navigating the Scottish Property Market:

  • The impact of economic conditions, interest rates, and buyer behaviour on property sales and auctions.
  • Why some properties remain unsold and the strategies used to overcome these challenges.

  
  

• Marketing and Networking:

  • The importance of leveraging social media and organic content to build brand presence.
  • How networking events and creating a personal brand contribute to long-term success.

  
  

• Key Advice for Aspiring Entrepreneurs:

  • John Morris emphasises the importance of reinvesting in your business for growth.
  • John Cox highlights the value of building trust and relationships over time for sustainable success.

  
  

This episode offers an honest and inspiring look at the journey of scaling property businesses, with valuable lessons on teamwork, work-life balance, and navigating market challenges. Whether you’re just starting out or looking to grow your operations, the insights from John Morris and John Cox will help you make smarter decisions and build a sustainable business. Don’t miss this episode packed with practical tips and real-world experience! Follow John Cox and Cox & Co: www.linkedin.com/in/john-cox-coxandco-scotland/ www.instagram.com/coxandcoscotland www.tiktok.com/@coxandco www.facebook.com/CoxandCoScotland Follow John Morris: www.instagram.com/john_property_auctioneer www.tiktok.com/@john_property_auctioneer -------------------------------------------------------------- Prime Property Auction: www.instagram.com/primepropertyauctions/ John: www.instagram.com/john_property_auctioneer/ Luis: www.instagram.com/luis_property_auctioneer/ Visit Prime Property Auction website: https://primepropertyauctions.co.uk/ ------------------------------------ #scottishpropertypodcast #propertyinvestment #realestate #propertybusiness #businessgrowth #teammanagement #worklifebalance #propertyauctions #entrepreneurship #networkingevents #scottishhousing