Top UK hotspots you're probably ignoring

Hi there,

This is Chubby Wallet. The newsletter that teaches you how to profit from property trends before they go mainstream..

Here's what’s in store..

• General market update

• The innovation set to fast track your planning applications

• Property hotspots you’re probably ignoring

• How this lone wolf went from 0 to $1b AUM

Here's a riddle for you:

What do you call a market where sellers are cutting prices left and right, yet buyers are snapping up properties faster than tickets to a rock concert?

Answer: The UK property market right now.

What's actually happening..

• 31,900 new properties hit the market in just four days (thanks, bank holiday)

• 10% more choice than normal – that's a buyer's paradise

• 25,000 homes still went under contract that same week

• Properties falling through are down to 21.7%

Translation: Sellers are getting realistic, but buyers haven't run away.

That gap? That's where the smart money lives.

The price cut revolution

• 21,500 properties dropped their asking prices last month alone

• That's 26% more price cuts than normal markets

• But sales are still up 8% year-on-year

Here's what most people miss: This isn't desperation... It's market efficiency. Properties are finding their real value faster than ever, which means less time wasted chasing overpriced listings and more time closing deals.

Our take: You're getting better quality opportunities at more realistic prices. The market's doing your negotiating for you.

Where the money's moving

Here's where properties are actually making money:

The Winners

• Northern Ireland: +8.6% annually (strong fundamentals, less London nonsense)

• Wales & Scotland: +4.8% each (steady growth, affordable entry points)

• North West & Yorkshire: +3.7% (industrial revival creating demand)

The "Straggler" Zone

• London: +1.2% (expensive stays expensive, but barely growing)

The money's moving north and west. London's premium is stalling while regions with actual job growth are seeing real appreciation…

This isn't rocket science – follow employment, avoid lifestyle inflation.

The £19 Billion housing crisis

The government's basically admitting they need to spend £19 billion yearly just to house people properly. Currently, they're spending £2.3 billion…

What this means

• We need 90,000 new social homes every year for a decade

• We're building maybe 10-15% of that right now

• 1.3 million families are on waiting lists

• 164,000 children are in temporary accommodation

The brutal truth: This crisis isn't getting solved anytime soon. Government housing shortage equals private rental demand.

More people competing for fewer available homes equals higher rents and stronger capital growth.

Your portfolio benefits because:

• Rental demand stays strong (people need somewhere to live)

• Competition for private rentals increases

• Property values hold firm due to genuine scarcity

• Political pressure creates buyer incentives, not seller penalties

The smart money move

Stop waiting for the "perfect" market... This is as close to perfect as it gets for informed investors:

• Properties priced realistically from day one

• Genuine supply shortage creating long-term value protection

• Stable (not declining) financing costs

• Strong rental fundamentals backed by housing crisis

• Less speculative competition

Why this moment matters

We're in that sweet spot every property investor dreams about: A market where sellers are realistic, buyers are active, but the crowd hasn't caught on yet.

The housing shortage isn't getting fixed. The mortgage market is stabilizing, not crashing. Regional opportunities are real, not just marketing hype.

Your next 30 Days should include:

• Scout the regions showing genuine job growth (not just London spillover)

• Run the numbers on properties at current mortgage rates

• Focus on fundamentals – employment growth, transport links, development restrictions

• Ignore the noise – most market commentary misses the investor angle entirely

The data changes weekly, but the fundamentals are clear:

We have a supply problem, stable demand, and realistic pricing. That's the best combo in property investment.

Fast-Track Planning with AI

Every developer knows the drill: submit an application, wait months, get rejected because you missed some obscure constraint buried in a 30-year-old document. The UK government just deployed an AI system that eliminates this guesswork entirely.

The old reality

• Planning data trapped in paper files and PDFs

• Hours of manual research per site

• Costly surprises mid-application

• Rejection rates that kill margins

Meet Extract: Your new planning intelligence

The government's AI tool "Extract" reads decades of planning documents in minutes. Built by MHCLG and the AI Incubator, it transforms every scanned map, policy document, and planning decision into searchable, actionable data.

What Extract delivers:

• Instant site analysis: All constraints and opportunities visible immediately

• Historical precedents: See what succeeded (and failed) on similar sites

• Boundary precision: Exact development zones mapped to modern coordinates

• Policy extraction: Key dates, conditions, and restrictions automatically identified

Deployment timeline

Now: Alpha testing with select councils - get early access through pilot programs 2025: Beta rollout - scale across more authorities Spring 2026: Full national deployment

The government has committed to nationwide rollout, targeting 1.5 million new homes delivery. Extract is critical infrastructure for hitting those numbers.

Action plan for Investors/Developers

• Monitor beta programs: Get on early access lists for your target areas

• Upskill teams: Prepare staff to leverage structured planning data

• Adjust workflows: Design processes that exploit speed advantages

Strategic Positioning

• Scale operations: Prepare for 10-40x increase in feasible site assessments

• Competitive moats: Build expertise in data-driven site selection

• Partnership opportunities: Connect with councils implementing Extract early

The planning system is about to operate at data speed rather than paper speed. Position yourself accordingly.

May 2025 delivered the largest number of agreed property sales since March 2022 – that's not just a statistic, that's a statement.

Key Performance Indicators:

• Sales up 6% nationally compared to last year

• Wales leading with 15% surge in agreed sales

• London lagging with modest 1% growth

• May 2025: highest sales volume in over 3 years

• Decade-high seller numbers creating competitive landscape

The Affordability hunt is real

Want to know what's driving this surge? Simple: buyers have become bargain hunters with spreadsheets.

Nine out of ten hotspot areas have prices below the national average.

Places like Heywood in Manchester and Pudsey in West Yorkshire aren't just postcodes – they're treasure maps for value-conscious investors...

Hotspot highlights

• Heywood, Manchester: 88% more sales year-on-year

• Pudsey, West Yorkshire: 85% increase in agreed sales

• Wilmslow, Cheshire: 67% surge in buyer activity

• 9 out of 10 hotspots priced below national average

• Value-driven purchasing decisions dominating market behaviour

What's next?

House prices are predicted to rise by 5% in 2025, driven by falling interest rates and improved economic conditions.

The market is tracking toward 5% more sales this year – that's not just growth, that's momentum.

Forward-looking indicators:

• 5% house price growth predicted for 2025

• 5% increase in sales volumes expected

• Rate stabilisation supporting market confidence

• Regional markets offering superior value opportunities

Regional markets present value while rates stabilise. The risk?? Waiting for perfect conditions that may never arise

Anita Verma-Lallian

1. The Pivot: Anita started in the family land biz — Vermaland, one of Arizona’s biggest. While most kids learned long division, she was learning leasebacks. MBA in hand, she could’ve coasted. But in 2020, she made the ultimate high-risk move: left the family firm to go solo.

At the peak of global uncertainty, she launched Arizona Land Consulting. No warm intro. No safety net. Just deep market knowledge and something to prove.

2. The Deal That Changed the Game Her first power move? A $20M land deal in Buckeye. No small feat. It positioned her as a serious player — fast. Then came a 600-acre, $40M acquisition in Casa Grande.

Those weren’t just wins. They were market signals. She wasn't here to hustle. She was here to dominate.

3. Scaling With Discipline, Not Hype Anita scaled like a hedge fund manager — with systems, data, and elite capital stewardship.

$250M+ in assets acquired

$1B+ portfolio under management

300–800% investor returns

She carved out a niche: full-concierge land deals in solar, industrial, and fast-growth corridors. No TikToks. No ego. Just high-stakes execution.

4. Pressure as Fuel Most people avoid pressure. Anita manufactures it.

She co-founded SLM Land Holdings to bring in small investors — more capital, more responsibility. Then launched Camelback Productions, the first South Asian, female-owned film studio in Arizona. Why? To push minority voices onto the big screen and push herself into uncharted territory.

The goal wasn’t balance. It was momentum.

5. The Hard Parts, Done Anyway She’s a woman of color in land development. That’s like being the only one playing jazz in a room full of country bands.

She faced:

• Industry bias

• High capital risk

• Constant scrutiny

But she stayed ruthless with her time, leveraged her background, and ran lean and lethal.

6. For Aspiring Investors:

Make bold bets, then overdeliver

Use pressure as a growth accelerant

Niche deep before you scale wide

Ignore noise. Focus on velocity + value

Pivot with a plan, not vibes

Final Word

Anita didn’t just build a business. She built a blueprint — for women, immigrants, and underdogs with ambition bigger than their circumstances.

She’s not loud. She’s not flashy. She’s just winning. Quietly. Relentlessly. And now she owns the game.

That's it for this week folks. Each week we'll cover strategies, updates and insights to help you succeed in real estate. We love this stuff!

If you Have questions or just want to chat, We want to hear it.

See you next time in your inbox!

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