The Property Accountant With 54 Buy-to-Lets

<p>He&#39;s your accountant by day and a 54-unit landlord by night. And he charges less than you&#39;d spend on a Friday night out. 🏠</p><p><br></p><p>In this episode of the Scottish Property Podcast, Nick and Steven sit down with Matt Herbert — qualified property accountant and 54-unit investor across Aberdeen and Edinburgh. Matt covers everything from his dad being made redundant and discovering property by accident, to doing refurbs after work in his finance job, building a 54-unit portfolio, and why he&#39;d rather help investors structure their businesses properly than charge a fortune for it.</p><p><br></p><p>If you&#39;ve ever wondered what a property accountant actually does for your portfolio — this is the episode to watch.</p><p><br></p><p>TIMESTAMPS</p><p>00:00 – Welcome to Matt Herbert — accountant and 54-unit investor</p><p>00:14 – Qualified property accountant at the Glasgow networking events</p><p>00:28 – 54-unit buy to let portfolio across Aberdeen and Edinburgh</p><p>00:52 – Why Aberdeen is controversial — and Matt&#39;s take on it</p><p>01:30 – Growing up: dad moved from Wales to Aberdeen for oil and gas</p><p>02:06 – Dad made redundant and retrained as a teacher — the lesson it taught Matt</p><p>05:54 – Dad&#39;s first property: rented to his girlfriend</p><p>06:54 – Oil and gas crash 2015 — everyone made redundant</p><p>10:40 – First investment property — and the finance stories</p><p>12:41 – The First Home Fund: government equity stake explained</p><p>14:03 – Planning to buy a bigger home — and how it changed</p><p>15:30 – First refurb: doing it himself after work in Edinburgh</p><p>16:59 – What clients actually want: financial freedom and passive income</p><p>21:45 – Ex-council and social housing stock — what to know</p><p>24:27 – Aberdeen market deep dive — buying flats under £40k</p><p>24:43 – Partnering with Aiden — sourcing and project management</p><p>26:39 – Finding deals at offers over £45k and getting them down</p><p>27:57 – Target ROI: 20–25% on all capital invested</p><p>28:42 – Aberdeen pitfalls: what to watch out for</p><p>28:52 – Structural issues in Aberdeen stock — the same problems everywhere</p><p>37:43 – The condemned street nobody saw coming</p><p>40:34 – Porous concrete explained — and why it&#39;s a serious problem</p><p>42:38 – Net cash flow reality: why Aberdeen yields aren&#39;t always what they seem</p><p>48:41 – Edinburgh: inflated rents and the Alex Walker connection</p><p>55:33 – Shareholder structure: getting the limited company right from day one</p><p>57:40 – Year end tax planning: what to do when the bill hits £50k</p><p>1:00:15 – Mortgage strategy: 75% LTV, five-year fixes</p><p>1:00:33 – Set and forget — why Matt loves boring, stable assets</p><p><br></p><p>CONNECT WITH MATT</p><p>https://www.linkedin.com/in/matthew-herbert-fcca-76558a8a/</p><p>https://www.facebook.com/matthew.herbert.980</p><p>https://ljyaccountants.co.uk/</p><p><br></p><p>NETWORKING EVENTS</p><p>First Wednesday of every month</p><p>📍 Aberdeen | Dundee | Edinburgh | Glasgow</p><p>Follow our socials for speakers and details</p><p><br></p><p>SPONSORED BY</p><p>Prime Property Auctions — earn £1,500 just for sending a WhatsApp. If you know someone selling a property, John and Lewis will pay you £1,500 or 1% of the sale price (whichever is higher) just for passing on their details. They&#39;ve paid out over £350,000 in referral fees so far.</p><p>👉 https://primepropertyauctions.co.uk/</p><p><br></p><p>🔔 Subscribe so you never miss an episode</p><p>👍 Like if you found this valuable</p><p>💬 Would you do your own refurb to save money? Drop it in the comments 👇</p>