The Hidden Agenda of House Prices
In this 20‑minute YouTube presentation, property investor Rob Moore argues that house prices are not driven by natural market forces but are deliberately engineered by banks and central banks. He traces a 1,000‑year historical trend of ever‑rising land values, then explains how modern monetary policy—money printing, quantitative easing, and inflation—devalues currency while inflating the value of banks’ property‑backed assets. Moore claims banks manipulate housing supply by influencing planning policy and by repeatedly rotating housing ministers, keeping supply deliberately low to sustain price growth. Drawing on his own 20‑year track record of owning 345 rental units and leveraging tens of millions of pounds in mortgages, he describes how he has “played the banks at their own game,” using debt to amplify returns and benefiting from a predicted market crash. He cites external signals such as soaring gold prices and Warren Buffett’s recent large sale of Bank of America shares as evidence of an impending downturn. The talk culminates in a sales pitch for a free, live Zoom webinar (robmoore.live/zoom) where Moore promises to teach attendees how to raise finance, identify crash‑time deals, and profit from the banks’ strategies.
Chapters
The hidden agenda of house prices. I've been in the property market as an investor for 20 years. I own 345 rental units. 18 years ago, I discovered a secret about the housing market, and then 2 years ago, I discovered a hidden agenda, very dirty secret about the housing market. I'll take you through all of those. But people say to me often, our house prices can't go up forever. They have and they will. And not because inflation is natural. Money is a man-made construct. Inflation is man-made or government-made or central bank-made. If you think about it, The money that you have today that you save, tomorrow it should be worth what it was today. Otherwise, what's the point in saving it? You might as well spend it because it's going to go down in value tomorrow. Except we sort of accept that inflation is normal. Inflation isn't normal. It is created, manufactured, and engineered through money printing and quantitative easing. And as your money goes down in value, The bank's debt and the national debt go down in value, but the bank's assets go up in value. So property prices— I actually did my research on this. In 1088, all land and all property in the UK, the whole lot combined, the whole of the UK, all land and every house on it, was about £1 million of value, 1,000 years ago. Now you cannot buy a car parking space in Knightsbridge for £1 million. That shows you what happens to house and land prices over time. Now, I kind of used to think, well, that's just a natural phenomenon, natural inflation, natural house price rises. It's actually not. It's engineered to be that way. Why? Because the banks use property as their collateral, and the banks have trillions of pounds and dollars locked into property. So if property prices go down, the risk is that their loan value goes down, which means their balance sheet goes down, which means their profits go down. Whereas if properties continue to rise, the value of their loans are safe. You'll then remortgage and get a higher loan, and if properties keep going up and up and up and up and up and up and up, banks can keep lending, keep lending, keep lending, keep lending. More interest, more interest, more interest, more interest. And I used to think, oh well, the banks love property as security because it's safe. No, the banks love property as security because they can manipulate the value to go up and up and up and up. The banks literally control house prices. Now people think, "Oh, conspiracy here, Rob." No, no, no. The banks control monetary policy, the banks control inflation, the banks control quantitative easing, the banks use property as collateral for their assets, and the banks control housing supply. So the first secret I found out about property was that it will go up forever. It has for 1,000 years, and 1,000 years history in the past is pretty much a good indicator of the future as anyone could ever use. But the second dirty secret I learned was that they are artificially— they are restricting housing supply. Why do they want to restrict housing supply? Because if there's more houses than people, price comes down. If there's more people than houses, price goes up. It's called supply and demand. So yeah, okay, right, it sort of serves them to have an undersupply of houses. But I found out this, um, a top UK economist told me that in the last, say, 10 years, there's been around 12 housing ministers. So about every 10 months, a housing minister comes in and goes, we're gonna build hundreds of thousands of houses, we're gonna solve the housing crisis shortage. And then they're silenced, and then they're gone, and they're out of a job. And then another one comes in, we're going to build hundreds of thousands of houses, and then they're out of a job. A bit like when Liz Truss came in and said, we're going to fix the economy, we're going to reduce taxes, we're going to get rid of IR35. Oh, gone. Markets didn't like her, banks didn't like her, gone. Because you know what, if you want to see who really controls the world, follow the money. So 10 housing ministers gone, 12 housing ministers gone in a decade. Why? Because the banks do not want us to catch up with housing supply. Why? Because then too many houses, not enough people. Because by the way, there's loads of land to build on, and the planning laws and regulations could be relaxed. Doesn't have to be so difficult to build. We could build up if we want. Look at, you know, London and all these major cities with all these skyscrapers. We could build out, there's loads of land. Now, this is what's really going on. The banks are controlling housing supply, the banks are creating inflation, which reduces the value of their national debt and their debt and increases the value of their assets. And I figured all this out 18 years ago and I thought, I wonder if I can use this to my own advantage. I wonder if I can play the banks at their own game and win. And that's what I've been doing for 18 years. Now I have a property portfolio of 345 rental units, I have tens of millions of pounds worth of mortgages, which has been paid down by 25% in the last 4 years by the government and central banks, thank you very much. And also my portfolio has gone up by about 25%-ish in the same time frame, give or take. Well, I can tell you since 2008 my portfolio has more than doubled because I figured out how the banks play the game to their advantage and I play the same game. So by the way, if you'd like to learn how to do the same, if you'd like to cash in on the crash, play the banks at their own game and win. Sorry, I've been a bit migrainy the last couple of days. I can see one coming on. If you'd like to learn how to raise finance, to invest in property, to beat the banks at their own game, to leverage inflation to your advantage, to get it to pay down good debt, to get it to push up the value of your assets, I recommend you join our Zoom. Now, our Zoom is coming up in what, less than 30 hours? So you're going to need to register right now at robmoore.com. Robmorr.live/zoom. That's robmorr.live/zoom. Now there's no recordings and replays on this one. It is a bit of an emergency one. I actually do Zoom sessions most Sundays, so there's an extra one that we've put in, and you'll see it's how to raise cash to cash in on the property crash. And strategies and tactics to help you play the game, the game that the banks play. Play the banks at their own game and win. So the Zoom is robmoore.live/zoom. If you just open a web page now, type in robmoore.live/zoom. No recordings, no replays, but I will subsidize your ticket fee, so there's no charge for you to join. I'm going to talk about how gold prices are likely to affect property prices, how and why I think a crash is coming, how you can cash in on the crash. Um, I bought a deal with my business partner for 3/4 of a million about a year ago, um, with no tenant change, no refurb. We've had that valued at 1.2 million, 450 grand profit on a 1.2 million deal in a year. Not bad. And we're going to teach you how to do this too. In fact, we're putting a 400-apartment block deal together right now. I can't tell you any more about that, um, but actually I will tell you a bit more about that on the Zoom. And a £3 million project. And by the way, we're seeing prices now really work. We've been putting these deals together for a couple or 3 years, prices seem high, deals are really working now. So we're going to teach you all of this at robmoore.live /zoom. So go register now. Um, it's at 7 PM on Wednesday, coming soon. No recordings, no replays. You've got— they've got the full agenda there on the link. Because the housing market, make no mistake, is controlled. Now of course there are certain variables out of their control, and you're going to have booms and busts and peaks and troughs, but the booms and busts go like this. They always go up. They don't go like this. And by the way, the best time to cash in is in the crash, and the best time is to buy through the downward and then the bounce-back cycle, which is about now, give or take, because every cycle is what, 15 to 18 years? And what are we, 16 and a half, 17 years in? So even just with the natural cycles, it's about the right time. I'm seeing prices come down, I'm seeing deals work, rents are really high, interest's come down. There's sort of like this bit of a perfect storm of opportunity right now to cash in on the crash. And actually, you know what, if you think about it, it's quite good for you if you own investments and assets and property and you know that they're always going to go up. If your goals and the way you make money is the same as the banks, that's pretty good. You want to be an owner, not a loaner. A loaner is, say, a saver. A saver loans their money to the bank. Are you sure you're going to get it back? And are you happy with your 1.5% interest even though interest rates are over 5%? That's not fair. Where's the rest going? Oh, to the banks. And then the banks are loaning and investing that out and making money on it. So then they're making double money on you. Whereas if you own, don't loan, if you're an owner, not a loaner, and you own property, I was buying properties for 50, 60, and 70 grand in 2008. Some of those are worth 150, 200, some of them even peaked at 250 grand. A 2 to 3 times rise in one cycle. So by the way, if I had a time machine, here's the 3 times I'd go back to. Invest in Apple at the start, buy Bitcoin when it was the price of pizza, and buy property in the last crash. That's what I'd be, um, doing if I had a time machine. You don't wait to buy property, buy property and wait. You can't go back to 2008, but you can start today. So I figured out this 18 years ago. The next crash and recession, I can't do anything about. It's going to happen or not happen with or without me. So I might as well cash in because I don't want BlackRock and Lloyds buying up all the properties. Lloyds have said they want to be the biggest private landlord in the UK. BlackRock could own and control 40% of the single-family market by 2030. These are banks. Follow the money, remember. If banks are buying up a load of real estate, if it's good for them, it's got to be good for me. Oh, by the way, they control real estate, so I should be owning it too. So if you want to learn all this stuff, let's say you don't know how to raise money, let's say you don't know how to invest yet, um, let's say you don't have to cash in on the crash, let's say you don't know the different strategies and tactics, let's say you want to get into it but you just don't know where to start or how, or you've tried it but it's not worked, jump on the Zoom. Um, type in robmoore.live Zoom. That's robmoore.live/zoom. Go and register. I'll see you there. I'm going to do about the first 20 minutes. I'm going to talk about what I'm seeing in the market, because by the way, I, um, in what, 2006, was 50 grand in debt, became a millionaire age 30 to 31, deca-millionaire by age 35, done a quarter of a billion in sales since then, and owned 345 rental units and about, what, 1,350 properties under management. So, um, yeah, you know, I can really help you with this. I'm seeing so many of the signs and some new ones from— that are similar to the last recession. Warren Buffett just dumped $7 billion out of, um, Bank of America. So does he see a bank crash, or is he liquidating up for the fire sale recession crash that's coming? It's one of the two, isn't it? Why else would you sell 8 billion of shares when you're a buy-hold dyer like Warren Buffett? All the signs— the gold's— gold hit a record high. What, what normally happens to other assets when gold is high? They go down. Gold's the great hedge. People who buy gold buy gold hoping it doesn't go up in value, because if gold goes up in value, it means currency is going down, inflation is high, or they think it's going to be high, and other assets are probably dropping. So all of this is happening right now. So if you want to cash in on all of this, or at least learn to, um, take your advantage, shoot your shot, because remember, the more you learn, the more you earn. Jump on the Zoom class. It's robmoore.live/zoom. I'll see you there. Thanks for tuning in. Just type that into any web page, robmoore.live /zoom. And remember this: if you don't risk anything, you risk everything. I, I can't tell you what to do. I can only tell you that the last recession of 2008 made me a multimillionaire. It took me out of 50 grand worth of debt and made me a multimillionaire. The last recession did that. But I figured some stuff out. I learned how the banks worked, and I played the same game as them. In fact, when they went bust, I became a millionaire. So I almost did the Observe the masses, do the opposite. Be greedy when others are fearful and fearful when others are greedy. All right, cool. I'll see you on the Zoom. And remember, if you don't risk anything, you risk everything.
