In this wide-ranging and entertaining episode, Nick and Steven are joined once again by property investor and entrepreneur Davy Hutton. Known for his straight-talking approach, Davy gives us a raw, honest update on the state of the property market, social inequality, and why the rules are no longer built for the everyday investor.

He opens up about mental health, the inspiration behind his new spoken word music album, and why he believes being vulnerable is more powerful than pretending to have it all figured out.

Episode Highlights:

🧠 Mental Health & Identity

• Why Davy created a spoken word album during lockdown

• Growing up with undiagnosed anxiety and how he "faked" his way through social life

• The dangers of today’s isolated digital world for young men

• Why sharing your struggles can open the door for others

🏠 Property Market Commentary

• What’s really happening with supply and demand in Scotland

• Why the West End of Glasgow is still flying, but everywhere else is flatlining

• A 3-bed property with just one viewer: is buyer sentiment collapsing?

• The silent shift: from accidental landlords to corporate investors

📊 UK Economic Realities

• Inflation, council tax, and the slow death of the middle class

• Why local authorities and governments are “burst” – and what that means for housing

• Davy’s take on wealth inequality, tax, and why the 95% are getting squeezed

• Should the rich pay more tax? Davy’s controversial but clear answer

💬 Culture, Politics & Society

• The illusion of free speech in the age of social media venom

• How our tribal need to "belong" drives dangerous thinking

• Why politicians are no longer leaders – just mouthpieces for corporate agendas

🐍 Snake Stories & Pet Policies

• From lost pythons to rescue chickens – Davy’s home is a full-blown zoo

• Why he supports tenants having pets – and why the Greens might have a point

• How professional landlords should treat tenants like real people

----------------------------------------------------------

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/

------------------------------------

Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast

**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.

🤝 Visit one of our monthly networking meet-ups. We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️ Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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📩 Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode of the Scottish Property Podcast, Nick and Steven are joined by Andrew and Chris from Brightstone Property, returning two years after their first appearance to share how they went from flips and serviced accommodation to delivering a 30-unit commercial business centre in Falkirk.

They break down how they financed, developed, and filled the building — including the challenges of a six-figure refurb budget overrun, raising private investor finance through a SAS pension, and how the project has now grown into a profitable commercial asset and full-time business.

Whether you're curious about commercial conversions, raising finance, or building a scalable property business, this episode delivers real talk, numbers, and lessons from two investors who are making it happen.

Episode Highlights

🏢 From Resi Flips to Commercial Conversions

• Started with residential flips and serviced accommodation

• Decided to pivot to larger commercial deals for scale and shared income

• Acquired a 7,500 sq. ft. building in Falkirk for £310K

• Transformed it into a 30-unit business centre (Brightstone Spaces)

💰 Funding the Project

• Raised finance through a private SAS pension investor

• Structured the deal to buy with investor funds and fund the refurb from profits

• Managed a refurb budget of £260K (which went £100K over!)

• Maintained investor trust through regular updates and repaid on time

🔧 Overcoming Operational Challenges

• Refurb included full rewiring, new fire systems, secure entry, and high-spec internet

• Filled the ground floor in 12 weeks via a hands-on marketing approach

• Achieved 97% occupancy, generating £17K/month gross rent

• Refinanced the building at £840K with a 70% LTV

📈 Growth into Property Management

• Now managing three additional commercial sites for Liberty Space

• Offering management services for other commercial landlords

• Building a hybrid business model combining property ownership with operational income

• Planning to acquire their next building while scaling their management arm

From modest residential flips to managing over 30 commercial tenants and multiple buildings, Andrew and Chris have completely transformed their business over the past two years. This episode is full of valuable lessons on financing, scaling, and building long-term credibility — all while remaining hands-on, humble, and community-focused.

----------------------------------------------------------

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/

------------------------------------

Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast

**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.

🤝 Visit one of our monthly networking meet-ups. We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️ Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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📩 Email us:

Steven@steven-clark.com

Nick@arcproperty.uk

In this episode of the Scottish Property Podcast, Nick and Steven are joined once again by serial investor and mortgage broker Ewan Dudding — who has now scaled to over 100 properties and relocated to Dubai while running a high-volume brokerage and build team.

Episode Highlights:

🏗️ Scaling the Portfolio

• Now owns over 100 units, including 17 HMOs and multiple portfolios

• Buying properties every 5 days for himself and every 2.5 days for clients

• Refurbs running at £100k/month with two build teams and vans on the road

• Targets £300–£350/month cash flow per unit

💰 Raising & Recycling Finance

• Started with £80K savings and raised his first £80K from a friend

• Now borrows from clients and private investors at up to 10% interest

• Uses bridging and refinance model to pull money out in as little as 6 weeks

• Key advice: raise capital from people who trust you, not just property people

📊 Broker Business & Mortgage Insights

• Team of five and pushing through 10–12 mortgage applications per day

• Specialises in bridging, BTLs, and portfolio lending for landlords

• Explains how surveyors, lender relationships, and product switches impact deals

• Partnered with Go Financial and growing organically through referrals

🌍 Life in Dubai & Business Mindset

• Relocated recently for lifestyle and productivity — not just tax benefits

• Says time difference gives him focus and freedom before UK wakes up

• Still works 14-hour days and prefers growing his business to relaxing on the beach

• Hasn't bought a car, lives modestly, and reinvests every pound

----------------------------------------------------------

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/

------------------------------------

Follow us on all of our social media accounts: https://linktr.ee/scottishpropertypodcast

**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.

🤝 Visit one of our monthly networking meet-ups. We run them on the 1st Wednesday of each month and have some fantastic guest speakers.🎟 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book your place at the networking events here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐️⭐️⭐️⭐️⭐️ Hope you find content useful and we would really appreciate it if you could leave a review on Apple podcasts or Spotify.

Connect with us on social media:🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our private Facebook group ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🔗 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📩 Email us:

Steven@steven-clark.com

Nick@arcproperty.uk
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