Banks Crashing the Housing Market ⛔️
In this YouTube monologue, Rob Moore argues that banks benefit from a moderate correction in the housing market rather than a total collapse. He explains that banks use property as collateral for their loans, so a 20‑30% price drop would increase the value of their secured assets while avoiding the risk of a 50% collapse that would erode their balance sheets. Moore claims banks influence housing supply through policy and can manipulate interest rates and inflation, positioning themselves to buy distressed real estate at low prices. He cites institutional investors such as BlackRock and Lloyds, noting their public statements about becoming major landlords, and suggests they are timing purchases to coincide with a market correction. Moore shares personal investment examples—purchasing a £750k property that rose to £1.1m and a £3.8m property now worth £20m—to illustrate his strategy of leveraging low‑interest financing, high rents, and falling prices. He urges viewers to “cash in on the crash” by attending a paid Zoom session (tiny.cc/crashzoom) where he will teach how to raise capital, find undervalued assets, and manage property investments. Throughout, he frames banks as powerful yet opaque actors, encourages skepticism of mainstream narratives, and positions his content as financial education aimed at empowering individuals to out‑maneuver banks.
Chapters
Banks crashing the housing market. I believe a certain level of price correction or crash in the property market is actually really good for the banks. The banks want this, and I believe the banks can control this. Now let me know what you think in the comments. Do you think that a property crash a housing market collapse, a recession or depression, do you think this is good or bad for the banks? So my answer is, it's good as long as it's not like half their value. So the thing is that the banks have their money as security in property. So if properties were to lose half their value, then that would be a big risk to the banks. And I actually have some insider information on this, so stick with me because, um, this is sort of— it shocked me but it didn't surprise me. So the banks definitely don't want the property market to halve in value. This is why the banks didn't get into Bitcoin until recently. And now of course you've got BlackRock dumping billions into Bitcoin ETFs, um, because they now see it as a secure asset class. Now they're not yet lending on it and using Bitcoin as collateral because banks use property as their security. So if you've ever in doubt about getting into property or buying more property, you just need to look at what the banks do. And if the banks are saying, hmm, I'll lend you money, but the only thing I will have security on— not your cars, not your watches, your properties, not your art, not your savings, your properties— that must tell you something about their long-term view of housing. Now, I have been a bit picky petty, pokey about the banks since lockdown. But I've also been balanced in the sense that you can learn a lot from the banks, and where the banks put their money, usually a good place for you to put your money, because the banks have all the data, because the banks are the banks. The banks control the money. The banks make and print and create the money as debt. and other ways. So you are wise to learn what the banks do and not really veer too far off. The problem is that the banks won't tell you what they really do. They'll tell you what they want you to hear. Why? So you can save with them and essentially lend them money. So you can loan from them and make them money— borrow from them— so that you can keep paying your interest and stay in debt and pay your taxes. And then when you die, pay your inheritance tax. And by the— oh, and they can use your money and play games with inflation. So what the banks do and what the banks say are different, because if they told you what they did, you would do what they do, and they wouldn't make money and you would. And this, by the way, is why I teach this stuff. So here's the reasons why I think the banks want a property crash, but they don't want a massive collapse. They don't want a massive collapse because they have a lot of money in property, and so if there's a massive collapse, their money would decline in value, especially if there were sales and repossessions once the price had dropped. So they actually control housing supply, and I was shocked but not surprised by this. I was told this by a top economist, you know, there's been a new housing minister like every year for the last 10 to 15 years, and they come in and they want to build all these houses and catch up with the demand of housing. And in the UK, we've been tens of thousands, even hundreds of thousands of houses a year down on what we need to build. There's hundreds of thousands of new people coming into this country. We can't keep up with the demand of house building. And I used to think it was a land problem. It's not a land problem, we've got more than enough land. Also, now developers like me are taking advantage of this by converting houses into apartments or old offices into apartments, so that creates great opportunity. But in reality, the banks don't want a housing minister to come in and go, oh, we're going to build 200,000 extra over and above new houses this year, because that increases supply, therefore reduces demand, therefore reduces Prices therefore reduces the value of all their loans and mortgages. So they fuck around and play games and control housing supply. Now, this is actually quite smart. And by the way, they do the opposite with your money. So when it's your money, they quantitative ease, they just create trillions of pounds and dollars, and then they devalue your money. So by the way, the banks play all of these games. Now this used to upset me and piss me off. Doesn't really anymore. I've removed my moral judgment. If I could control the world and I could control money and I was the bank of the world, would I maybe make decisions that benefit me? Would I maybe influence politically decisions and policies that benefit me? I maybe would. I'd like to think I'd be more moral and ethical, but you know, who knows? Apparently power corrupts. By the way, the schools never teach you this. Your parents don't know this. The banks don't want you to know this. So please feel free to share this around because I am on a mission to teach this to as many people as possible. Okay, so that being said, they do want a correction. So why do the banks want a 20% drop, a 30% drop? Let me know in the comments if you know why. Um, let me know in the comments if you think, you know, the banks do want the crash and if they can actually make it happen. So, um, let me know what you think. Now, I believe the banks want a correction because I, I believe they want more housing stock. And, um, in fact, I say I believe it, um, the reality is— sorry, someone just said, hey sexy, and they've kind of distracted me. Hey sexy. Someone who was on my, uh, live here recently, um, said, hey, I'm a lesbian. So So I wouldn't, but if I wasn't, I would. I really enjoyed that comment. So please continue to troll me and tell me I'm sexy. Like, my ego loves it. Um, okay, anyway, you're putting me off. Where was I? You're distracting me. And look, you're embarrassing me. Okay, so BlackRock are openly buying up a lot of real estate. They're literally buying towns of real estate, and they're one of the biggest banks in the world ultimately. And then Lloyd's in the UK have said that they want to be the biggest private landlord in the UK. So the banks are openly saying, we want to buy shitloads of real estate. Now let me ask you this: do the banks want to buy them overpriced or underpriced? Do the banks want to overpay or underpay? Do the banks want to buy when the properties are at peak or at trough? Of course they want to buy cheap. Of course they want to buy at a corrected price. And if they're going to buy a load of property and they can control the market— if they can control the market, what are they going to do? They're going to cause a price correction if they can have that power, which I believe they do. And they've openly said it, so it's there in black and white. So a lot of people have been saying to me, oh, Rob, you've been saying the housing market's going to crash for years. 'Oh, you're just saying it. Oh, you're just putting fear into the market.' Well, look, I can't control the market. I'm not big enough. I don't control billions of people. I don't control trillions of pounds. I don't. You know, I do have 3 million followers. I have some influence, but nowhere near what the banks do. So I'm not going to cause a crash in the market even if I made a campaign to. So I don't really have that ulterior motive. I mean, I want you to get into property because it's good for you. I want you to win in business because it's good for you. I want you to make money because it's good for you. And oh, by the way, that is my mission, to help as many people on this planet get better financial knowledge. Oh, by the way, you know, I do— my mission is to train and educate people to make more money. Um, and do I have an ulterior motive for you to be successful? Yeah, because if you are, I am, because you're following me. And maybe some of you have done my content and my courses. So, right, all this being said, I have seen a correction in Peterborough. Of nearly 20% in 16 months, which is quite significant. And we are now seeing good buying opportunities. We just bought a property for £750,000, pretty much made it worth £1.1 million in less than a year. We bought one property a few years ago for £3.8 million, it's now worth about £20 million. So I'm seeing this now, proof with my, you know, with my eyes in the deals that I'm doing. This isn't just bloody, um, you know, theory. So I, I'm seeing it now. Some people say, oh yeah, but Rob, my area hasn't dropped yet. Well, how do you know? Because all the properties haven't yet sold. And often properties on the market sell for a lot less, and then that creates this like compounding effect. Because as soon as you see one or two properties go through cheap, the rest go through cheap. As soon as you see one repossession, you see a, a cascading of repossessions. And this is all coming through now. So let me ask you this: would you like to cash in on the crash? Would you like to make, manage, and multiply more money? Would you like to be able to invest in assets at better prices? Because what you want is this kind of perfect storm of low-ish relative interest rates, i.e., low-ish relative cost of finance, high-ish relative rents, and low-ish relative prices. Now rates have gone up, yes, but that's causing a correction in prices, or one of the factors but you have got high-ish relative rents and lowering prices. So you actually have got now maybe a possible perfect storm of opportunity where you can cash in on the crash, buy depreciating assets. By the way, smart money comes into the market at this point in time and dumb money loses money. So your ability to raise money and, you know, use leverage private finance and do no money down deals, this is all possible. So give me a yes if you'd like to learn all of this. And actually finally start to build your own pension and your own portfolio. Take control of your own finances. Cash in on the crash. Make, manage, and multiply money. Um, like to learn how to invest in real estate? If you would like to learn how to do all this, I'm actually running a one-off Zoom with a business partner of mine this weekend. T-minus 3 days or less, depending on which when you watch this video. And the link is tiny.cc/crashzoom. That's tiny.cc/crashzoom. Reg, you're absolutely right, banks are repoing properties. Here's the thing, the banks lured you in with really low interest rates, with really low mortgages. You thought this was normal. You spent more disposable income. Then the banks whacked interest rates up 1,000%. That's how much the rates have gone up. And then they'll happily repo your properties when you can't afford to pay them anymore, and then they'll happily go and buy them in the back door. Yes, this is happening, Reg, you're right. This is why you want to join my Zoom, tiny.cc/crashzoom, because I'm going to teach you what the banks get up to. I'm going to teach you how to, um, beat the banks at their own game and win, remove moral judgment and high moral high grounding, find these properties, raise the money, cash in on the crash, and just know where the market is right now and know how to buy properties near you and take control of your own financial future and freedom and pension and retirement. You should not be outsourcing this to anyone else. You should be your own IFA. You should be investing in your own assets. And if you don't have any, any money but you want to do this, we'll teach you how to raise some money too. So if you'd like to learn all of this, go to tiny.cc crashzoom. Warning, no replays, no recordings unless you're a Rob Moore team member, and it's coming up in less than 3 days. I don't normally do this kind of content just because I am often, for example, talking about, um, social media and content creation and writing books and I'm running my training businesses and the other things that I do. But I have 340 rental units, I have 1,350 tenants under management, so occasionally I like to come out and speak about this when I see opportunity. My business partner and I are looking at a lot of properties right now. We bought one for £750,000, probably worth £1.1 million with one small tweak— no refurb, no lick of paint. We've got 16 tenants fighting for one of our commercial properties. So, um, things are hotting up, buying opportunities right now. And actually, we were sort of— we never sit and wait, but we weren't seeing many opportunities maybe a year ago for 2 or 3 years. Now they're hotting up. Um, but there's other people that are getting this too, so you need to be quick. So join my Cash in a Crash Zoom, type in tiny.cc/crashzoom. The banks want the property market to crash because if properties drop in price, repos happen. They want to buy all the property. Lloyds have openly said they want to be the biggest private landlord. BlackRock are buying up a lot of America. They have an ulterior motive and a bias for the market to drop Um, they can control it because they control the money supply, they control the interest rates, they control inflation. So they know that they can turn the dials and manipulate the market because they are the market. So please don't be naive and think that they can't control the market and it's outside their hands. It is not. And I'm going to teach you some of the things that they do that you can learn how to— you can't do it, but you can leverage it. So hopefully you found my content useful. If you do like following my content, you think some of the things I say are useful, please do share this. Because a lot of people are scared to say this because of fear of being canceled. A lot of people don't know this because the banks don't want you to know this stuff. The school system doesn't teach you this stuff. And I'm on a mission to help as many people on this planet get better financial knowledge. So please share this if you think it's useful, and please do join the Zoom, tiny.cc/crashzoom. And please do keep flirting with me. I've had a few of you flirting with me on this Zoom. Uh, anyone can flirt with me. Man, woman, straight or lesbian? I've clearly now got my favourite lesbian fan, Leah Michela, who she says she wants to turn because of me, so keep trolling me, keep flirting with me, I love it, bring it on. And remember, if you don't risk anything, you risk everything.
