Hey everyone, it's Robby here with Rob D and you are listening to the property podcast. This week,

we're going to tell you an incredible story. It's the story of an architect who started with

£5,000 who used her knowledge to do multiple conversions and development projects until she had a

shocking realization that made her completely change her

strategy. You're going to absolutely love her story.

Welcome to the Property Podcast. Thank you for joining us. In case you don't know, we run a company

that buys more than £100 million worth of property every year for our clients. We can find out about

that at property hub.net slash invest. And in the course of doing that, we hear a lot of fascinating

stories. And the one our guest is sharing today is one of the very best. There are insights in

this conversation that everyone can learn from. So stick around. Before we get into that fascinating

conversation, let's bring you some news. And it's more mortgage news. So last week we had Nick

on giving us all the latest info on mortgages in the world of Baitelet and beyond. I'd highly

recommend you listen to that podcast because I did it in person with Nick and I felt

we got into some really juicy stuff including a little talked about topic of down valuations.

I say it's a little topic because I don't see it being discussed anywhere else, but it is

making huge waves in the property industry right now. So I'd highly recommend that you go back

and listen to that episode, but we have more mortgage news. And the news is, Rob, and it's positive news, that mortgage rates

have dropped below 4% for the first time in months. Now, this is not for buy-to-let mortgages,

but it's for residential. But the fact is, if the market's moving that way, in general,

it's a good sign. It is. It's a very good sign. And if you look at

swap rates, which are a big determinant of the cost of lender funding and therefore the rates that

you can get as a borrower, those have come way down over the last month or so. So of course,

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