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

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