Banks Crashing the Housing Market
In this monologue, Rob Moore argues that banks deliberately engineer a short‑term housing market crash to acquire repossessed properties cheaply, then aim to become the largest private landlords in the UK and US. He claims banks manipulate housing supply by influencing planning policy, keeping construction deliberately low to sustain price growth. Moore cites Lloyds Bank’s stated ambition to be the UK’s biggest private landlord and BlackRock’s US acquisitions as evidence. He explains how low‑interest mortgages are offered to borrowers, then rates rise, leading to unaffordable payments, repossessions, and profit for banks. Drawing on a conversation with a senior UK economist, he describes how successive housing ministers are blocked from increasing supply. Moore then shares his own experience owning roughly 345 residential units and several large apartment blocks, describing a buy‑and‑hold strategy that tolerates price drops but capitalises on long‑term appreciation and strong rents. He offers tactical advice: buy when prices have fallen, interest rates are moderate, and rents are high. Throughout, he promotes his paid platform Rob.team, positioning it as a comprehensive financial‑education service that teaches property investing, gold/silver, side‑hustles, tax optimisation, and how to “play the banks at their own game.” He frames the broader economy as debt‑laden, inflationary, and unfair, urging listeners to become entrepreneurs or investors to protect themselves.
Chapters
Banks crashing the housing market, part 3. So the banks love a property crash in the short term. They need high rising prices in the long term. And one of the reasons the banks love a crash is because they're going to go in and gobble up all the properties on the cheap, below market value. Repossessions. Lloyd's in the UK, Lloyd's Bank, openly stated that they want to be the— they want to be the UK's largest private landlord. They want to own the most properties in the UK in the private rental sector. Some people are asking me if I'm okay because I've done— this is the third take. Just, it's Sunday morning, brain bit foggy. Probably trying to say too much. Had about 15 loops open in the last video, but this is really important. There's lots going on. I need to educate you about this. So in the one hand, Lloyds or other banks will loan you money at low rates to entice you in to be in debt. So I don't know if you remember, 4 years, 5 years ago, interest rates were like 0.25%. So we'll use Lloyds as the example because they've said they want to be the biggest private landlord in the UK. So they're like, oh, have a load of money, it's really cheap. Here you go, here's cheap free money. Mortgages, mortgages, mortgages, mortgages. And you have no idea because you've not seen this before, because you've not been through cycles that I have, that 0.25% is completely short-term, completely unrealistic. And in not very long, those interest rates are going to be 5%, 6%, and bang, your mortgages are going to go from 1.5% to 2% to 6% and 8%. Now the banks know this because the banks are hundreds of years old. The banks control the money supply. The banks control interest rates and inflation too. There's other variables. So the banks are like, here, have a load of free money and get into debt with us. And then over time, your mortgage rate's going to go up and up and up and up and up and up, and we're going to make masses of profit out of you. And then when you go bust and get repossessed because you can't afford the properties anymore, because your mortgage has gone up from £500 to £2,000, or £700 to £2,500, we're going to repo the property back off you. We're going to lend you the money for it, introductory rate, nice free money. Oh, then you get a car loan with us, then you get a conservatory loan with us. Oh, now you're in a triad of debt with us. Oh, and then we'll— like the— have you ever heard of the boiling frog syndrome? You put a frog in— obviously you can't put a frog in boiling water, it'll just jump straight out. But you put a frog in cold water and you just turn it up slightly, slightly, slightly, slightly, slightly, and it literally just stays in there, doesn't notice the temperature increase, and boils to death. And this is mostly what's going on with the banks at the moment. Well, Actually, hundreds of years. So you need to know this shit. Okay, but there's more to add to this. Let me see if I can get my brain in gear and connect all the dots. So short-term, banks love a correction or crash because interest rates go up, they earn loads of money, then repossessions happen. It looks like they lose money, but they actually don't because they claim the property back, and then they become the UK's or the US's largest private rental owners. In America, BlackRock are literally buying up towns and cities. In the UK, Lloyds want to be the biggest private landlord. Give your money cheap, boil you up like a frog, take your asset back off you, own the asset forever. So that's what they want in the short term. Obviously in the long term they want properties continue to rise, rise, rise, rise, rise, rise, rise. So that when they do become these huge private landlords, they're obviously going to make billions out of it. So how do they control that? Now, this is something I learned from a top UK economist. I didn't actually know this, but bit of a shocker really. Here's what they do: they artificially keep housing supply very low compared to demand. Now, you're led to believe that it's lack of population growth or just bad management of building enough houses. You're led to believe that that's why we have more people than houses. You know, you're led to believe it's immigration. But actually, in the UK, we have masses of land that we could build on but don't. The planning system is way too difficult and unnecessarily controlled. Why? Because the banks don't want massive supply of building. Do you know why? Because think about this. Let's say we did build 300,000 homes a year, and let's say in 15 or 20 years, all of a sudden we go from having more people than houses to more houses than people. What happens to the values of property then? They start to go down. Is that good for the banks who have all the mortgages stuck in those properties, or bad for the banks? Of course it's bad for the banks. So here's what's happened. I got told this by a top UK economist who I think knows his stuff. He said that in the last, say, 12 years, there's been something like 15 housing ministers. And I don't know if you've noticed Labour at the moment, they're like, "We're gonna build 300,000 houses a year." No fucking way are they. Impossible. Because they say that for good PR. So all these housing ministers come in supposed to be there with 4, 8 years end up being there 9 months or a year because the banks basically kick them out, make it really difficult, because the last thing the banks want is for massive house building and there to be more houses than people and therefore a likelihood that the property prices could come down. The banks want property prices to continue to rise in the long term because obviously that's good because they own all of them. They either own them outright like Lloyds and BlackRock are doing and putting them in their pensions and portfolios, or they have all the mortgage loans on them. And obviously it's bad for them if prices come down because the value of their loans goes down. So this is the real shit that's going on. I did it, third take lucky. But anyway, look, if you want to learn more about this, you know, that the housing market, the economy, and actually to turn it into your advantage because Do I think it's right that BlackRock are buying up a load of real estate in the US? No, not really. I think individuals should be able to. I think you should be able to afford your own home or afford to rent your own home, but you can't. And a lot of people get upset, and I see why. But you can't change the system, but you can learn how the system works and beat it at its own game. So if you want to learn how to cash in on the property crash And instead of Lloyds and BlackRock buying up a load of property, actually maybe you start to buy some property. Because by the way, if you want to learn how to make money, watch what the banks do. If you want to learn all this, I recommend you join Rob.team. Rob.team is my digital financial freedom platform to help you start and scale a business, make, manage, and multiply money, and build multiple streams of recurring and passive income. Teaching you how to invest in assets like real estate, gold, silver, start your own side hustle or build your own empire. I've done a quarter of a billion in sales so I can help you build an empire as well as just starting up your own side hustle. We teach 9 or 10 different side hustle business models inside Rob.team, low cost, high speed, generally could be done 5, 10 hours a week. So if you'd like to learn all of this, I recommend you join Rob.team. It's less than 20 pence a day. You can cancel anytime. There's no ongoing contract. And there you'll learn how to make, manage, and multiply money and build multiple streams of recurring and passive income and build up your portfolio, invest in assets. If you're liking my content at the moment, which seems to be doing very well on social media, and you want to learn how the money system works, how the banking system works, how it's essentially built for, um, It's a for-profit organization for maximum shareholder value. If you'd like to learn how to do that but in your own life, but in a more ethical way, I recommend you join Rob.team. To join, all you have to do is type in Rob.team. Rob.team. Um, no risk because you can cancel anytime. There's hundreds of hours of courses, resources, masterclasses. They're all there waiting for you. Literally just join now. You can log in after this video is finished. Okay, Adam has said I look like I'm scared. Maybe it's just the fact that I'm 45 plus tax. Um, I'm not actually scared. I'm— I have to be careful how I say this because I don't think the banks and the economy is fair for the layperson, for the working-class person. I don't think it's fair. But I can't make it fair because they won't listen to me and they won't listen to you. So what I've decided to do is figure out how to leverage it to my advantage. So I think house prices are too high, but if I'm going to leverage it to my advantage, I want to own a load of them. That's why I own 350 of them, or 345. Now, if the market crashes and corrects, it doesn't really concern me what my existing properties are worth. It concerns me what I can buy new properties for because I'm never going to sell my properties. I have sold properties in the past. I've regretted it because they've doubled and tripled in the time I've been in the market. So I have a buy, hold, die strategy now for investing in property. So the 350 that I own, if they drop 15, 20, even 30%, as long as I don't sell them and materialise the loss, And as long as I've still got an income stream, then I'm fine. By the way, nearly all of those properties I bought for 40 to 70 grand 15 years ago. So even if they came down 30% and I sold them and I paid the capital gains taxes, I'm still hugely in profit. However, if my buy-to-lets go up from 40 to 70 grand to 150 to 200 plus in one cycle, why would I want to sell them? Because let's say they're 200 now, they'll be 400 in 12 to 15 years, 800 in another 12 to 15 years, 1.6 million in another 12 to 15 years. And by the way, to anyone that says to me, oh Rob, that's not going to happen, oh no, property's not going to continue to go up, look what's fucking happening now. Look how high prices are, even despite things like lockdown. Prices just keep going up, and I've told you why. Because they control the supply. They don't want 300,000 houses a year being built. They control the supply because they own a load of the real estate, or at least they have their loans and mortgages in real estate. So there you go. All right, someone just built a house while I was streaming this. Well done. Yeah, that shows the quality of the new builds. They don't make them like they used to. Um, but here's the thing, property corrects. Oh, by the way, I— in addition to a load of single lets I said that I bought for 40 to 70 that now might be worth 200, um, I have one apartment block with 100 apartments that's about 20 million. I have a 38 apartment block, a 36 apartment block, a 24 apartment block. So I have bigger commercial deals now. I bought a Pizza Express building for 3/4 of a million. Within a year, it's now worth 1.2. No refurb, no void, no changing of tenants. This is what's going on in the market if you know how to play the banks at their own game and win. In fact, I'll tell you what, if you join Rob.team right now, I did a 12-module, 18-hour Money Mastermind University. How to play the banks and the system at their own game and win, how to learn how the financial system really works and leverage that to your advantage. And that'll be sold at £700 on my website just once we've done the thumbnails. If you want to go in and get that completely for free while it's still there, just join rob.team. Just type in r-o-b dot t-e-a-m. That's actually there now live, and you can grab that before I take it down. So yeah, I made £450 grand on a £750 grand property within a year, just buying the right property at the right time. And when property prices come down, rents are still really strong. 'Cause if you think about it, you want this perfect storm in terms of investing and owning. You want a perfect storm of relatively low prices, relatively low interest rates, relatively high rents. Like, if you can stop and take notes, I'd write that down. Long-term, the ideal time to buy: relatively low values, i.e., they've dropped, relatively low interest rates, relatively high rents. Well, rents are really high, prices are starting to drop, they've dropped 10 to 15% in our area, and interest rates are now in the fours in terms of what you can get a mortgage for. And long-term interest rates are 6%. Now, if you missed on the opportunity to get mortgages at 0.25%, or with the interest rate at 0.25%, the base rate, so then your mortgage is at 1.5% or 2%, then you made a mistake of not buying as much property as you could back then. But you can't buy yesterday, you can only buy today. Don't wait to buy property, buy property and wait. So if you'd like to learn how to invest in property, invest in gold and silver, Learn how the economy and the banks work. Make, manage, and multiply money. Cash in on the property crash. Learn the banking system, the financial system. It will trigger you because it's not fair, and then you learn how to leverage it to your advantage like I did. Just join Rob.team. It's really easy. Just type in Rob.team into any web page. Rob Moore, T-E-A-M. Garth has said here that the economy is broken— you're absolutely right! And the UK economy is probably nearer 3 than 2 trillion in debt because they tell you 2.1 so therefore it's probably near a 3. The US economy is what? $200 to $300 trillion in debt. So the economies are insolvent and they are broken. And, um, yeah, they are. And inflation's been more than 25% in total in the last 4 years because you're having to pay off all of this debt. The government debt is being paid off by you because the only source of funds that the government have is you. Um, you know when some things say government-funded? There's no such thing as government-funded. There is only taxpayer-funded. I.e., you pay. So if you're not, if you're not earning 10% a year more, then you're going down in your earning power. Because 25% is what inflation has been in total in the last 4 years since lockdown. So if that's what we're told, it must be more. Let's just, let's be nice and just say it's 30%. So that's what, let's call it 8% a year. Because it was over 10%, um, a few years ago. So most people are earning less or the same, and yet their cost of living's gone up 8% a year. So the only things that beat inflation in the long term: real estate, the stock market, silver and gold, your own business. You can, if you want to really, really beat inflation, not just by 2 or 3%, but by 20 or 30%, start your own business. My companies were growing at 50% a year for 10 to 12 years straight because obviously you've got your sweat equity and the leverage of your energy and time. If you haven't got a part-time business yet, if you haven't started your own company or got a side hustle yet, you absolutely need to. So if you join Rob.team right now, there are courses, resources, and masterclasses, hundreds of hours of them to help you start the side hustle, start your part-time business, or full-time set up your own business so that you can control increasing your prices and increasing your earning power. To join, it's really easy. Just type in rob.team. Rob.team. There's no risk because it's less than 20 pence a day, which is virtually free. You can cancel anytime. There's no ongoing contract. I have spent more this morning on coffee than you spend in a month investing in Rob.team. Get rid of Netflix and you can pay for Rob.team twice. Because remember, the more you learn, the more you earn. So I didn't tell you, if you have children under the age of 18, you can give them your login and all kids under the age of 18 get to use Rob.team completely for free because I'm actually on a mission to help as many people on this planet get better financial knowledge. So I'm putting my money where my mouth is. Before lockdown, Rob.team was 5 times as expensive. I brought it down by 80% to help people through lockdown and very difficult times. Loads more free content, loads more content in Rob.team, 80% discount. And I actually haven't put the price up since. Why? Because the world is still fucked and people still need a lot of help, and I want to reach, I don't know, maybe a billion people. So take advantage of the 80% discount, all these new courses and masterclasses, and your kids going free, and the 18-hour Money Mastermind University, all in rob.team right now. Just type in r-o-b dot t-e-a-m, rob.team. Go there now, come back, quick summary. The banks control the housing market. The banks manipulate housing supply, i.e., make it impossible for the housing ministers to change the planning laws or get the house building up, because they always want oversupply of people and undersupply of houses, because that forces the house prices up. The one major factor above, above anything else, above inflation, above anything else, that forces prices up is lack of supply. You know, more demand, less supply. So the banks— I've been told by a top economist that 15 or a dozen housing ministers in the last 10 years have come in, we're going to change the world, we're going to build all the houses, and then they just get kicked out. They get blocked by the banks. So the banks are forcing property to continue to rise over the long term. By the way, that's good for you if you're an investor. That's bad for you if you're a homeowner or you're not yet a homeowner. Do I think that's right and fair? No. Do I think that's good for the working class and overall humanity? No. Can you take advantage of this and earn on their greed or maximum shareholder value? Yes. You can either moan that it's wrong or play them at their own game and win. And I figured this out 17, 18 years ago, and I built a property portfolio of 345 properties, and they're well priced even though the rents have gone up, and they house people who can't afford otherwise to live. So, you know, I know that I'm doing a good service that honestly the government should be doing. The government, you know, some people say, oh, but Rob, we all have the right to live somewhere, we all have a right for a house and, you know, to afford some nice things in life. Do we? Well, if you— maybe we do, but we don't actually have it. So all you can do is change what you can control. What can you do then? You can learn how to raise money, you can learn how to be an investor, you can learn how to buy property, you can cash in on the crash, you can learn how to buy assets, you can start your own business. These are the things that you can do. You can observe how the central banks and governments, you know, and the massive for-profit corporations, you can learn exactly how they make money. You can do exactly the same but more ethically and morally. That's actually productive. That's actually something that's going to help you and your family and your children and your grandchildren. And that's a much better attitude than saying it's not fair and it's not right and house prices are soaring and it's completely wrong and it's a scam and the housing property is a scam. There's loads of people out there saying property is a scam and doing fucking nothing about it and not teaching you how you can make, manage, and multiply money. And this is why I've got Rob.team. You know, there's things that they tax us on that they shouldn't tax us on, but they do. There's things that should be free that aren't, and they're not. Okay, so if you want the reality of productive and proactive wealth building, personal finance to help you beat the banks at their own game and win, join rob.team. Just type in r-o-b.t-e-a-m. I am on a mission to help as many people on this planet get better financial knowledge. I will do content on this every single day until I'm dead. I will not shut up about this. And the system, you know, I've been semi-cancelled, shadow banned, deplatformed, you name it, because the banks don't want you to know this. People say to me, oh Rob, why isn't this stuff taught in school? I mean, come on, do you really think the school system is going to teach you how it consumes off of you? Do you know the system, the banking system, the government, which are all in cohorts? Do you know there are 4 main outcomes? And this isn't written in a manifesto, but it's obvious: debt, interest, taxes, compliance. Debt, interest, taxes, compliance. They want you in debt because then they can control you. They want interest in property, cars, conservatories, consumables, because then they make maximum profit on you. They want to tax you as much as they can without there being a riot or a revolution. Then when you die, they tax you another 40% of most of what you own. And they want you to just do it willingly and shut up and not speak out about it. This is the reality. So anyway, Rob.team, I guess, is like the The rebellious financial platform that teaches you the reality of making, managing, and multiplying money, building multiple streams of income, investing in real estate, gold, silver, stocks the right way. I talk a lot about the only way you should really use banks is to borrow off them for assets. Don't borrow off them for liabilities, and don't lend them all your money in the form of savings. Minimize the money you give them, maximize the money you take them that you can invest in assets, and I'll teach you how to do this in rob.team. By the way, there's a big community as well of nearly 10,000 members— movers, shakers, game changers, change makers just like you. Just type in rob.team. I can see loads of comments coming in. What do I mean by compliance? They want you to pay tax and interest as much as they want, and they want you to comply. They don't want you not to pay. They don't want you to go and riot on the streets. They'll put you in prison if you say anything on social media that they don't really like. They'll change their own rules to benefit themselves. Mark Zuckerberg admitted that he deleted 20 million pieces of content on Facebook about COVID and lockdown. Even some of them, he admitted, were comedy and satire. Because he was forced into it by the Biden administration. This shit is real. All right, anyway, look, I've said what I've got to say. Quick summary then is the banks control the housing market. Fact. The banks love a short-term crash because they can gobble up all the repossessions. The banks want to own more property than you and I. Lloyds said that they want to be the biggest private landlord in the UK. BlackRock are buying up towns and cities. In America. Like, if you want to know what to do, watch what the banks do. And the banks are buying loads of property at the moment. The banks know how the economy works because they control the economy. So watch what the banks do and do the same. Where the banks are putting their money, do the same. I don't know if you noticed, but Warren Buffett sold $7 billion of Bank of America because some of them are in financial trouble. Now obviously, if some of the banks go down, that's going to crash the economy. There's going to be a lot of personal money that's going to go under because now they do bail-ins. A bail-in is using your money to bail out the banks. Here's the thing though, when there's a bailout, your money is used, it's called tax. When there's a bail-in, your money is used, it's called your savings. What the fuck? How on earth is that right? Now, one more thing I'll say then is This isn't fair, and I've been talking about this and the solutions. Manage your money well, don't leave your money in the banks, learn how to get into property, learn how to be an investor, start your own business, be an entrepreneur, join Rob.team. I've been saying all this stuff and people get pissy with me. Oh, but Rob, it's not fair, it's not fair, it's not fair, it's not fair. I even said to people, you think the problem is soaring house prices, But the problem is you waste a load of money. Oh Rob, that's wrong, that's not fair, none of us can afford it, that's not fair. I agree it's not fair. Life is not fair. You get what you know, you get what you negotiate, you get what you figure out. You don't get what's fair. And that's why Rob.team, I'll let anyone in for less than 20p a day, you can cancel any time, there's no ongoing contract. And right now is a great time because we're definitely coming towards a crash. Fact, it's obvious. It's been, what, 16 years since the last one? Each cycle is normally 15 to 17 years. It's coming. Gold, highest price ever. Usually when gold is high, everything else is correcting because gold's the great hedge. The stock market has recently taken a big hit. Nvidia shares down 10%. Properties in certain areas are starting to drop. We've seen it, 10% plus in Peterborough. you know, in not very long. I saw this last time, all the banking crises. Banks in America going bust. Warren Buffett selling $7 billion of Bank of America. How many more fucking signs do you need that the crash is coming? And two things will happen. One, you'll either get fucked, i.e., you're a homeowner, it goes down, you sell, you materialise the loss, you have to rent, rent is too high, or you you become an investor, you buy underpriced assets, and in 10 to 15 years you're a multimillionaire. And this is what I did in 2008, and I'm trying to help you do it. I've even dropped the price of Rob.team by 80%. It's less than 20 pence a day. It's less than what I've spent on coffee this morning. But if you don't join, how, how more can I help you? Just type in Rob.team. Hundreds of hours. Of course, it's resources and masterclasses. Get your tax bill down. That's a huge— do you know your biggest expense is not divorce, it's not children, it's not private school? It's tax. I reckon the average person with what they earn and what they spend earns 60 to— pays 60 to 70% in tax. That is outrageous. The only way you can get that down is by being a business owner self-employed, the world pays themselves last after they've paid tax first. You get your payslip, here's what you could have earned, here's what you actually got. You know, your taxes, your National Insurance, your student loans all come off. You earn £5,000 gross, you've got £2,300, £2,200 net. And then you pay tax on everything you buy. It's a fucking scam. But when you're an entrepreneur, self-employed, even if it's just a little side hustle, you pay yourself first and you pay tax last, and you can wipe a load of that down. And that's all taught in Rob.team. In fact, we've got a tax-saving masterclass coming soon in Rob.team. So type Rob.team, R-O-B.T-E-A-M, into any web page. Remember, if you don't risk anything, you risk everything. This shit is real. Please, at the very least, educate yourself. The more you learn, the more you earn. And if you don't risk anything, you risk everything.
