RobCap Ltd

21/09/2026

Interesting FCA data about resi mortgages.

The outstanding value is up 3.1% higher than a year earlier, and the value of gross advances is up 31.7% higher than a year earlier.

If anyone thinks that lenders are not confident about lending against residential property - think again...

The share of BTL advances dipped quarter on quarter which was not surprising bearing in mind amateurs landlords offloading. Wait for the bounce back...

We collect mortgage lending data via the Mortgage Lending and Administration Return (MLAR) which is submitted to the FCA by firms carrying out mortgage lending and mortgage administration.

20/09/2026

It's been a wonderful Friday & Saturday.

At the Southampton International Boat Show with Salt boat finance, who I am proud to work for as their Chief Risk Officer, on Friday for a Team Day full of networking, meetings and exciting, creative ideas, followed by Saturday creating content with Salt's marketing and social media guru, Immy.

Delighted to drive back to my Milton Keynes home office and to share my Touchstone Education experience at the end of Day One of the two-day 'Wealth Through Property' event with the lovely Terri-Leigh and hundreds of attendees doing exactly what I did over two years ago.

It still gives me a great thrill to share back my experiences having been a massive 'Doubting Thomas' before joining.

I hope everyone had a fantastic Property Wealth Summit on Friday up in Doncaster and I'll look forward to being at the next one whenever that is. The feedback has been great and I am glad to hear it all went well. Touchstone - and especially Nicky and Team - put a lot of hard work into organising these events and deserve all the plaudits.

I'll be recharging my battery (and - weather-willing- cutting the grass!) today ready to hit the ground running on Monday.

Wishing everyone a wonderful Sunday, howsoever you wish to spend it. 😊👍

PS this boat had my favourite boat name on it! Superb...

19/09/2026

Wonderful to see The Southampton International Boat Show 2026 scheduled Supermarine Spitfire flypast yesterday to celebrate the aircraft's 90th anniversary of the first one being built in Southampton.🙏

Loving the iconic sound. *SOUND ON!*

19/09/2026

Great day at what was a busy and exciting Boat Show yesterday. 👍
Some of the craft are really quite incredible but more important to me is how we can help total beginners get started getting out on the water not just with funding for boats, but with our expert knowledge about storage; maintenance etc.⛵️
Joe, the Boat Finance Guy, is the man to talk to if you see him at the Show with his SALT shirt matching that lovely sunset last night!
Wishing everyone a brilliant Saturday today wherever you are! 😊👍

18/09/2026

Enjoying a wonderful productive day at Southampton International Boat Show with the mighty SALT crew, Joe, Greg and Damien.
Beautiful weather for it!

11/09/2026

👩🏼‍🎓Success Friday👩🏼‍🎓
🏡 SA Boston: mortgage offer received AT LAST!! (Hallelujah...) Switching solicitors for admin purposes but same solicitor dealing - time to move to exchange and get management in to review what is required - will strategically manage completion timing...⏰
🏡 HMO Lincoln: purring but bits to do and rents required upping ⬆️
🏡 BTL MK: settled - rent found and in - should not have issue going forward 🤞
🏡 BTL B/stoke: quiet as church mice - Landlord check diarised 1/10 🐭
🏢 Commercial Boston: truly passive - quarterly rent in advance due soon - upper dev due to be de-iced soon... 🙏
📘 Reading: The Talent Code by Daniel Coyle
…………
🐸 Project Hopalong: Done two 5K park walks since new knee so far ✅
🧮 Meal with accountant - great meeting 👍
🏡 Property viewing with daughter for her
🦷 Check up at dentist - clean sweep! 🥳
👩🏼‍🎓 Best success? Daughter's graduation at Lincoln Cathedral - epic!! Proud Dad! ❤️🙏

🎯Q3 2026 Target: own 2 BTLs; 1 HMO; 1 SA and 1 CP and have 2 development projects running (CP upper dev and SA plot dev)
🎯Q4 2026 Target: find a small CP for my SSAS

😎Wishing you all a wonderful weekend! 🙏☀️☀️☀️

07/09/2026

If you ever wonder what a 'flow state' looks like - watch Kimi Antonelli's Monza F1 performance from yesterday.

His mind was so free, and he was so 'as one' with his car.

Incredible.

https://www.bbc.co.uk/sport/formula1/articles/cm2my2z365lo

Kimi Antonelli delivered one of the great F1 drives to win the Italian Grand Prix and leave Mercedes' team-mate George Russell's title hopes almost a lost cause.

03/09/2026

Whitbread selling off 110 sites after shutting them on 10th September - a week from now.

Opportunity? 🤔

Interesting that the units they are not selling off will be converted to SA/Premier Inns...

Beefeater chain to disappear in Britain
https://www.thisismoney.co.uk/money/markets/article-16013537/All-Beefeater-Brewers-Fayre-restaurants-closing-good-soon-you-live-near-one-affected.html?ito=native_share_article-nativemenubutton

A spokeswoman for Whitbread told This is Money that following a consultation a decision had since been made to shut all 106 Beefeater sites, as well as the group's other restaurants.

31/08/2026

I am reading a book at the moment called "The Talent Code" by Daniel Coyle.
It is very interesting and supports the idea that process repetition is what leads to talent and ultimate success - not some natural talent a person is born with.
Were you aware that the brain's plasticity actually improves every time you fail at a task? It thrives on challenge, generating myelin, which is a bit like broadband for the brain - speeding up the neuron flow.
Why do you think gaming is so massive around the world?

Do not fear failure - be terrified of regret.

Wishing you all a wonderful Bank Holiday Monday, and get ready for "Take Action Tuesday"!👊👍🚀

23/08/2026

Happy Sunday all - hope you are all having a wonderful weekend?

I would encourage property investors to look at RightMove's August '26 House Price Index report which is free to download from here:

https://www.rightmove.co.uk/news/house-price-index/

If there are any doubters out there about it being a buyer's market - let the facts speak for themselves:

"The number of available homes for sale is at a 12-year high for this time of year".

"Largest August price drop - down 2% - in
eight years as new sellers compete for summer buyers".

"Average asking prices now 1.0% below this time last year, largest annual drop since 2023"

There is also the Burnham Bounce aspect which is starting to slowly improve buyer demand.

That is to say - Renter's Rights Bill came in 1st May and we are seeing price drops partly due to landlords offloading; Burnham took office 20th July and we are starting to see confidence grow across the economy, including the start of increasing property buyer demand.

See https://tradingeconomics.com/united-kingdom/consumer-confidence.

The window of opportunity is, therefore, closing the closer we get to the end of the holiday season as buyers return from holidays and the Burnham Bounce confidence starts to bite after a lag and buyer competition increases.

If you can afford to 'Buy & Hold' for the medium to long term - now (and I mean, right now) appears to be a superb time to do it.

While we are here - check out the UK population projections in this OECD report:
https://www.oecd.org/en/countries/united-kingdom.html. The figures really do speak for themselves?
Approx 4m up in the next 10 years (6% up on 2024 figure of 69m population) and 8m up in 20+ years (c.12% up on 2024)

Action will lead to transformation and the time for action is now.

Enjoy the rest of your weekend...and remember to be the change you want to see - and to dream big and go for it! 👊🚀

The United Kingdom was one of the 20 founding member countries that signed the Convention of the OECD in 1960. Today it is one of 38 OECD Members.