Shows
The Property Trio (formerly The Property Planner, Buyer and Professor)#307: Analysing Ballarat’s Property Potential - The Pros, Pitfalls and Lifestyle Insights for Home Buyers and Regional Market InvestorsGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMIn today's episode, Mike and Cate tackle a great listener question from Brooke, who asks: "Is Ballarat a no-go for investors, and what about its long-term growth prospects?" With profits from their Perth house and a $690K budget, Brooke and her family are considering a move to regional Victoria — and Ballarat has caught their eye.The duo dive deep into why Ballarat remains one of Victoria's most attractive regional cities, offering both affordability and a hi...2025-04-2844 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#306: How to Increase Borrowing Power - How Kids, Rate Cuts and Variable Income Impact Property Buying Potential, Equity Access & RefinanceGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMIn this episode, Cate and Dave dive into how life circumstances and interest rate changes directly impact borrowing capacity when borrowers are applying for a mortgage. Whether you're planning to start a family, waiting for a pay rise, or watching the RBA closely, this episode unpacks what it all means for your property plans.The episode begins by tackling a common question: how much do kids affect your borrowing power? Dave breaks it down with...2025-04-2253 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#304: How to Increase Borrowing Capacity - Strategies to Maximise Your Property Budget, Refinance, Access Equity & Grow WealthGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMIn this episode, Cate and Dave dive into a topic that’s top of mind for many aspiring homeowners and investors—how to increase borrowing capacity. Whether you’re buying your first property, refinancing, or growing a portfolio, understanding what affects your borrowing power can help you make smarter decisions. Being aware of how banks consider the various elements of each applicant's scenario will enable you to plan your future decisions alongside your strategic mortgage broker with more c...2025-04-0742 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#291: The Truth About Building Inspections - What They Reveal, What They Don’t and How to Ask the Right QuestionsGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMThis week, Dave hosts the show and the Trio chat all things Building Inspections. Cate starts out by clarifying the purpose of a building inspection. Contrary to popular opinion, building inspections aren't tickets to renegotiate a sale. Under certain circumstances, a renegotiation can occur, but the market conditions and competing buyer numbers will likely determine this.Building and pest inspections each require a distinct qualification, and Cate sheds light on the differences and methods of...2025-01-0646 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#289: Shared Equity Strategies - Making the Most of Government Schemes and Property Planning Strategies as You Transition to Full OwnershipGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMA lovely listener writes in to us with some questions about the Victorian shared equity scheme. Shared equity opportunities aren't restricted to just Victoria though. This ep is relevant to any Australians who are considering a shared equity option with the government.How should Luke approach this? Should he pay it down with savings (or debt), sell and upgrade, or convert the home to an investment in time? Some background on our listener: Lu...2024-12-2341 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#287: How Government Interventions Are Shaping the Property Market – The Real Impact & Side Effects of Property RegulationsGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMToday, Cate and Mike tackle a broad array of government incentives, legislative changes and initiatives. Have they all worked? And what are some of the unintended consequences."Lack of consultation is probably a root cause of some of these negative outcomes." The rollout of the recent Victorian rental minimum standards is one key example. As Cate points out, some of the broad brushstroke recommendations weren't all practical. The investor-led sales have also distorted th...2024-12-0943 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#286: Is Investing in Property Still Worth It? Navigating the Shifting Property LandscapeGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMToday, Cate and Mike dive headfirst into the findings from the Property Investment Professionals of Australia (PIPA) Sentiment Survey, taking the opportunity to unpack some pressing questions while Dave is away. A big thank you to all the investors who contributed to the survey—it’s their insights that shape episodes like this!Why are more investors selling properties in major cities like Brisbane, Melbourne, and Sydney? Cate and Mike explore the rising compliance costs, gove...2024-12-0239 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#285: First-Time Property Investors and Family Planning - A Smart Approach to Wealth-BuildingGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMToday the Trio roll up their sleeves and tackle first-time property investors and family planning. A special callout to our lovely listeners, "Sheree" and "Chloe" (not their real names), for prompting this insightful episode.Why do first-time investors often consider helping their children onto the property ladder? Cate and Mike discuss Sheree's situation, where family planning meets wealth-building.Cate highlights the unique challenges and strategies for investing with a long-term goal of aiding...2024-11-2540 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#284: Market Update Oct 24 – Sentiment Waxes & Wanes but for Which States? Melbourne Yields Make History! Mid-size Capitals SlowGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMCate kicks off this episode with Dave while Mike hikes around New Zealand. The Duo note some of the interesting indices for the state of the nation in the month of October. They marvel at Hobart's quick pivot and wonder what has driven the positive growth. The combined regions outperformed the combined capitals too, and despite the strong monthly performance in Perth, they note that growth has slowed of late. Dave and Cate delve into...2024-11-1844 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#283: Your Guide to Regional Property Investing - Critical Strategies and Townsville in the SpotlightGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMToday the Trio roll up their sleeves and tackle regional investing. A special callout to our lovely listener, Ester for prompting this exciting episode.Why do investors choose to invest regionally? Cate shares some of the reasons she started investing in the regions. Cashflow is one key element, but diversification also counts.Cate sheds light on some of the considerations that investors need to apply when selecting one region over another. Distance, demographics, target tenants...2024-11-1138 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#282: The Ultimate Guide to Property Depreciation - Maximise Your Investment Returns with Expert Advice on Tax DeductionsGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMToday's episode is all about depreciation; Mike's wheelhouse! Dave opens the conversation with a question for Mike, "How often should I update or review my depreciation schedule to maximise my tax benefits?" Reports last an owner as long as they hold the property. Mike delves into the role of the quantity surveyor when it comes to estimating construction costs.One of Cate's investing mistakes gets aired; after having completed a significant renovation on an...2024-11-0442 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#281: Mastering Accessing Equity - Loan to Value Ratio Strategy, Risks, Benefits & Hidden Opportunities that Shape Mortgage StrategyGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM Today's episode is all about loan to value ratio's (LVR). Mike throws Dave the first question; "In twenty words or less, what is LVR?" Cate delves into the reasons why LVR is so important when it comes to Mortgage Insurance. Managing risk is what lenders do, but once a buyer triggers mortgage insurance, dwelling types, quirks and risks count for a lot. Heightened scrutiny and having the final say on loan approval is something that...2024-10-2845 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#280: The Impact of Infrastructure on Property Values & Choosing Between Melbourne and Brisbane for Your Next InvestmentGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMMarilyn's question is about the suburban rail loop civil works in Melbourne, and how this could influence the suburbs and property markets that are impacted by the project. Dave sheds light on the shortfalls of Melbourne's current rail lines, and the future changes that the project will enable."It is the most expensive infrastructure project in Australian history". Mike ponders how the new stations and hubs could impact different genres of properties and h...2024-10-2157 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#279: Market Update Sep 24 – National Price Growth Slows, Rents Drop to 4-Year Low, Is Perth Finally Slowing as Listings Boom Nationwide?Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMMike kicks off this episode, and after stumbling with Cate's surname (yes, he's on fire with names), the Trio crack into the market update for September."Is this the beginning of the peak or decline for these markets?"Perth's rate of growth has slowed, and the Trio ponder whether it's listing numbers, tightening household savings, or interest rate pain that is contributing. How long can the three top performers maintain this strength? And a...2024-10-1450 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#278: Crafting a Personalised Plan for Retirement Success: Boosting Cash Flow, Scaling Back Work and Strategic DownsizingGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMToday's episode is a great case study. Georgia is stating to feel the strain of managing her two investment properties and she wants to make sure she makes the right decisions now so that she can enjoy her retirement. Georgia is 52 and has no children, lives in Sydney, and works four days per week. She owns a property in Pagewood, (Sydney's eastern suburbs) and St Leonards (lower north shore). Collectively they are valued at $2.86M and they...2024-10-0745 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#277: Cate, Dave and Mikes First Property Purchase – Lessons, Insights and ReflectionsGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMToday's episode is a special one. The Trio have often reflected on their own past experiences as investors and home buyers. This time, they decided to share their nerves, excitement and rookie mistakes when they each tackled their own first purchases.Mike had an exciting week when he bought a home, rolled his car and took of to Thailand on a trip. He paid $230,000 for a home in Waratah (Newcastle) and thought hard about all...2024-09-3039 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#276: Where to Find Budget-Friendly Properties in Australia’s CapitalsGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMMike's company, MCG Quantity Surveyors, recently released a comprehensive report on affordable housing in our capital cities. The report focuses on the lower 25% of the property market across Australia’s major capital cities. MCG wanted to identify what’s truly "affordable" in each market by analysing the 25th percentile of sales prices.This approach gives a clear snapshot of the most budget-friendly properties currently available, which is crucial information for anyone trying to navigate toda...2024-09-2331 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#273: Mastering the Art of Intuitive Property Inspection - Using Your Sixth Sense to Spot Invisible Warning SignsGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMThis week our topic comes from Cate. Dave kicks off the episode by delving into the concept of a "sixth sense", and questions the science behind it. From pattern recognition experience, to subconscious processing, and a study called heuristics, Dave questions the notion of this ability."When do your spidey senses start to ring alarm bells?" Cate steps through some of the signs that she has picked up on when canvasing a neighbourhood or a...2024-09-0245 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#272: How Proximity to the CBD Across 10km Rings Impact Property Yields, Contrasting Houses vs. Units & the RegionsGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMThis week our topic comes from a research report commissioned by Mike’s business MCG Quantity Surveyors, and it focussed on how yields change per city as distance from the centre of the town or CBD increases, so there’s a lot to unpack here. We often hear people quoting about buying within say 10, 20 or 30kms from the CBD, but Dave unpacks the factors that also need to be taken into account with this consideration, and Cate ques...2024-08-2641 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#269: Auction Day Drama - Setting Reserves, Mastering Your Strategy, Handling Setbacks, Auction Day Pressures & Preparing for SuccessGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMWe often talk about property acquisition experiences from the buyer’s perspective, but this second part episode is all about the auction campaign process from an agent’s perspective. The Trio specifically circled in on the challenges and flavours of auction day, noting the various twists and turns that campaigns can take.What visibility does the vendor have throughout the campaign? From campaign updates to online buyer activity reports, the agents can track...2024-08-0540 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#268: Demystifying Auction Campaigns - Navigating Underquoting, How Agents Attract Buyers, Pricing Tactics and Assessing Buyer InterestGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMWe often talk about property acquisition experiences from the buyer’s perspective. We have spoken a lot on the show over the years from Cate's perspective as a buyer’s agent. But this episode is a little bit different. The Trio have delved into the auction campaign process from an agent’s perspective to share behind the curtain for our listeners. We often find that when we step into another person’s shoes, we get an appreciation of the s...2024-07-2946 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#267: Crafting a Winning Property Strategy - Navigating Asset Selection, Growth vs Cash Flow & Changing Property PurposeGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMMike kicks off the episode with the first listener question. Josephine writes in... she and her partner have just secured their first property with the help of the First Home Guarantee, and the purchase is about to settle. They were initially planning to reside in the property, but after discussions they are wondering if they have made the right move. They are keen to continue building a property portfolio and they are worried that they should have...2024-07-2247 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#266: Market Update Jun 24 – Record House Price Expectations, Mid-Size Capitals Soar & Finding Rental Growth EquilibriumGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMMike kicks off this episode, and the Trio unpack the latest stats. Brisbane, Adelaide and Perth continue to be the star performers, with Perth taking up first place with an annualised growth rate of 23.6%.On the flip side, Cate shares her coalface findings on Melbourne's climate, citing opportunities as "low hanging fruit." Cate describes some of the interstate investor interest in Melbourne as speculative and opportunistic. Dave raises the point that interstate migration has...2024-07-1551 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#265: Tax Time Tips for Property Investors - Avoiding ATO Scrutiny, Optimising Deductions, Repairs, and DepreciationGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMDave hosts this week's show and Mike is in the hot seat to shed light on some of the items that the Australian Taxation Office, (ATO) is focusing on this year. Specifically, the ATO is honing in on a few key areas that often trip up property investors. What could these be? Tune in to find out...From deductible expenses to claims for repairs and maintenance, there are quite a few ways that investors make...2024-07-0854 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#264: The Ultimate Guide to Rentvesting – How to Unlock Property Potential in High-Cost Cities to Create Your Ideal LifestyleGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMRentvesting is not for everyone, but many people do not even consider it, which may be to the detriment of their finances or lifestyle. Maintaining an open mind to rentvesting and exploring it’s potential will provide you with greater clarity on your pathway forward, whether you take that path or cross it off as an option. Dave explains what rentvesting is, and why it's becoming a popular strategy among first-time buyers. From desireable rental locati...2024-07-0146 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#263: Strategies for Early Homeownership, Passing on Money Management Wisdom and Teaching Financial IndependenceGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMHelping versus hindering our children's financial futures... it's all about mindset! Dave hosts today's episode and the Trio enjoy sharing their thoughts about the various ways we can help our children get a foot on the property ladder.First homebuyer participation is up a little bit when contrasted against recent years. Dave runs through some of the key reasons that could be contributing to this increased level. First home buyer activity bounced up with t...2024-06-2458 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#262: Market Update May 24 – Perth Surges, Brisbane Now 2nd Priciest City for Houses & All Dwellings, Passing Melbourne & CanberraGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMMike kicks off this episode, and the Trio chat about the ferocity of the Perth market and they ponder the nature of cyclic markets. Is Perth cyclic? And is this city sharing a pattern with any other cities, or is Perth unique? And how is it possible that rental growth is still strong when investors are buying up? Brisbane's outperformance is noteworthy too, with this beautiful city taking the lead on Melbourne. Hobart's de...2024-06-1753 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#261: Recovering from Buying a Lemon - How to Revive Your Property Journey, Stage of Life Considerations & Market Cycle ManagementGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMDave opens our episode with a cautionary tale. We are grateful to our listener, Daniela who wrote to us about a challenging experience she and her husband had with a purchase she described as a "lemon."After having bought a house and land package in Perth that delivered underwhelming capital growth performance for nine years, Daniela and her husband chose to sell the asset when moving to Melbourne for work. Sadly their timing wasn't great...2024-06-1043 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#259: Home Building & Development Project Perils - Tackling Escalating Expenses, Development Finance, Project Overruns & Their ImpactGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMThis week, we unpack a fabulous listener question from Melissa. "What advice would you give to those of us who have construction loans were the build is dragging and we're being squeezed between increasing rents, increasing interest rates, and increasing construction costs?", she asks. "And what advice would you give to anyone considering a construction loan? " Cate steps through some of the planning, building and environmental issues that can threaten a build or renovation.2024-05-2742 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#257: The Comprehensive Guide to Townhouses – Performance, Selection, Property Planning and Development ProjectsGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMCate circles on on what technically defines a townhouse. She shares an example and talks about the differences between apartments and townhouses when it comes to land on title.Mike asks a tough question, "How do townhouses perform, as compared to houses?" but as Cate points out, it's not a hard and fast rule. There are elements that can bolster up the value (and performance) of a townhouse such as vista, prestigious locale, water views...2024-05-1347 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#256: Property Investor and Taxpayer Insights from the ATO Unveiled – Exploring the Shifting Sands of the Property Investment LandscapeGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMMike has crafted a great episode from the 2020/2021 tax year data.The average income rose to $68,289. Surprise, surprise, Double Bay came in at first $266,000 and Dover Heights, Rose Bay and Vaucluse came in second at $230,597, and Toorak (Vic) starred, but Cottesloe and Peppermint Bay in WA came in third at $229,000.The median is what’s interesting. Stats can be distorting. The median in the top ten suburnbs is $80,000, but the average is significantly hi...2024-05-0645 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#255: Property Plan Case Study #9 - Can We Scale Back Work With a Sea Change at Age 50? Navigating Work, Wealth, and Waterfront Dreams!Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMCate kicks off the episode and invites Dave to share a bit of information about our exciting case study couple and their quest to move to Venus Bay to enjoy a simpler life. They asked Dave's team to help them work out how they can achieve their goals, including the generation of a passive income and retaining their Melbourne home as an investment. Is it realistic? Is it achievable?The Trio delve into the emotions...2024-04-2953 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#254: Integrating Property Plans & Financial Plans: Tips & Tricks for Self-Employed, Single Parents & Schemes to Get on the Property LadderGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMCate kicks off the episode by sharing that the podcast is just a couple of recordings away from it's fifth birthday!Kym is a single mum of two teenage kids, a business owner and her rent on her home has just gone up substantially. Kym has been yearning to get into property ownership for a few years now, but she is facing a few headwinds currently.Dave talks our listeners through some of...2024-04-2255 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#253: Market Update Mar 24 – Migration Trends Driving Values, Taking Stock of Perth, Melbournians Think it’s a Better Time to Buy & Rate CutThe March 2024 data is out, and Cate concedes she got it wrong with her March data predictions. She's considered the reasons why, and Cate sheds light on a possible reason for this, and it relates to bias.Dave overviews the last twelve months of growth, and he points out that the last year has delivered almost 10% growth for the combined capitals; something very few would have predicted.Cate sheds light on some of the enquiry she's getting, and some of the reasons why investors are turning away from ultra-hot markets. Perth is one example of a...2024-04-1552 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#252: The Owner-Occupier vs. Investor Dilemma – Navigating Purchase Strategy, Affordability, Asset Selection & Loan ApprovalGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMSally is about to purchase her first home. She has a deposit of $300K and is targeting a purchase price of $700K - $800K. Sally wants to live in the home, but is feeling that her borrowing capacity as an owner occupier is holding her back. She asks the Trio whether she should initially purchase as an investor in order to borrow more. Dave breaks down Sally's initial strategy with a few clever questions.Sally...2024-04-0845 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#251: Rental Revolution Revealed - Unit Rents Gain Ground on Houses, a Temporary Surge or Lasting Trend?Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMFor today's episode, Dave throws it out to Mike... the paper that Mike's business has uncovered relates to growth of rents in units, contrasted to house rental price growth. Median rental growth for units have eclipsed that of houses, but why?The Trio unpack their theories. Are investors pushing rents up or is the supply/demand equation speaking up? Mike hands the wooden spoon to the Victorian Parliament "People always want to be close t...2024-04-0144 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#250: Investment Borrowing Masterclass – Maximise Tax Deductions and Advanced Mortgage Strategies for Long-Term Wealth CreationGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMFor today's episode, the Trio are diving into the sophisticated world of investment borrowing and they'll unpack the nuances of leveraging borrowed funds to not just acquire investment properties, but also to optimise the financial structure surrounding your investment to legally optimise deductions.Despite accountants being tax expertes, they are not mortgage strategists and so it is important that investors understand these strategies and are able to impliment them with their strategic mortgage broker.2024-03-2539 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#249: February market update - One percent national vacancy rates?!Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMThe February 2024 data is out, and the Trio circle the headline; the ridiculously tight vacancy rates nationally. Mike compares houses and unit performance and ponders the drivers for unit purchasers. Dave delves into Perth's outperformance and notes the predictions he and Pete made eighteen months' prior.Is buyer confidence up? Cate sheds light on her own experience at the coalface. But how does data lag impact the figures, and will Cate's prediction match the March...2024-03-1846 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#248: Home Dreams vs Investment Dollars - Upgrade & Sell vs Rentvest & Hold, Location Choices & School Zones, Taxes & Cash Flow PressuresGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMDave and Cate man the fort this week while Mike does his charity ride... and the duo decided to tackle a great listener question about lending policy, loan structuring and the critical decisions that arise for many.Jim and his partner have a very important scenario to run past the Trio. They are particularly high income earners with $500,000+ combined incomes, but there are some critical messages here that apply to all home owners and investors...2024-03-1156 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#247: The Ultimate Settlement Guide - Navigating the Steps, Paperwork, Timelines & Traps to a Successful SettlementGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMDave hosts this time. He opens the episode with the obvious question, "What is settlement?" Did you know that settlement dates are completely negotiable? And did you know that some people conduct their own conveyancing?, (although the Trio don't recommend this, as it involves a lot of risks and responsibilities.) If you do your own conveyancing, you will need to research what is required and the relevant legislation. Like real estate licences, they...2024-03-0451 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#245: January 2024 Market Update - Reinvigorated buyer energy and funding holidays with unsecured debt. What's going on?!Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMThe January 2024 data is out, and the capital city league ladder has been changing. But are houses and unit imbalances across capitals skewing the data? Dave explains.."Data does let us down like that", says Cate and she shares some another example of stock segmentation and purchaser incentives skewing data.What's happening with the regions? The quarterly data shows that regions have outpaced the capitals. Are we seeing a recovery in some of...2024-02-1951 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#244: Tackling Housing Affordability - Part 1 - Dissecting Proposals for Housing InnovationGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMIn this innovative, two part series, the Trio canvassed some measures that could be implemented to ease affordability and promote the healthy functioning of the Australian property market.Mike took some inspiration from an industry friend's article, and Cate and Dave chimed in with their thoughts on some of the initiatives from the article. In Part 2, the Trio will cover their own ideas and insights to foster a healthy property market. ...2024-02-1256 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#243: Building Long-Term Wealth: Mastering Land to Asset Ratio & Paying Down Your Home Loan Vs Investing Surplus Cash FlowGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMThis week's episode features a two great listener questions, the first from Catherine."My husband (39) and I (32) are doing well financially and trying to decide our next move. Our goal is to pay off our mortgage but we feel like maybe we should be buying an investment property. In SA western suburbs, our house is worth around $900k and our mortgage is sitting at $290k. We have a spare $3000 monthly (after bills and allowances) that...2024-02-0547 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#242: December Market Update 2023 - How has the year closed out?Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMThe December data is out, albeit in parts after the Core Logic team put out a thinner report over the break. Dave points out that December represented the smallest gain in property growth and he ponders whether the most recent interest rate increase triggered a slowdown at year end.Dave also draws our attention to the 'tale of two cities', and the two-speed property economy between the mining states and the non-mining states. ...2024-01-2948 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#241: 2023 - The Trio’s Property Predictions - who got them right? And did we get any wrong?Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMPete joins us in the studio! Mike kicks off the Trio's predictions for 2023 and he runs through their January predictions, holding each accountable for their forecasts. What will the market do? Cate admits she was quite bullish on this question, while Dave thought prices would drop 5-8%. It was the Property Professor who got this prediction right. Which capital cities will be the top performers? According to Mike, the Trio all got this one right...2024-01-221h 01The Property Trio (formerly The Property Planner, Buyer and Professor)#239: Optimising Offset Accounts - Mortgage Strategies for Investors Who Have Home Loan Debt to Create Wealth & Maximise RetirementGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMThis week's episode features a great listener question from Ben."Offset account question I am grappling with. I am nearing retirement and have three investment properties in NE Melbourne, two of which are IO and fully offset. Third is IO and partially offset. I have a PPOR P&I loan with and offset account set up. I continually go round the conundrum of whether to park my funds offset against investment...2024-01-0843 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#238: Case Study #8 - Do We Buy a Home Now & Convert Into an Investment? Can We Retire at 50 & How Many Properties Will We Need?Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMHappy New Year to our listeners! Mike introduces James and Lisa's case study. They are both 36 and have a goal of attaining $80,000 of passive income per year into retirement, and scaling back work to 50% by the age of 50 remains an ideal. Their annual combined incomes are $144,000 and they have $90,000 in savings. Can it be done? And what do they need to compromise on to reach their goal? Cate ponders their plans and discusses...2024-01-0151 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#237: The Future of Property Investment - Unlocking the Power of AI, Opportunities and ChallengesGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM Merry Christmas to our listeners! AI's Role in Real Estate Investment..."AI, and particularly generative AI, is a game-changer in real estate investment, even for the average Australian investor."Mike and Dave explore some of the immediate scope that AI can offer, from generating realistic property images, to creating detailed market reports, and even forecasting future property value trends based on a range of complex factors. Understanding...2023-12-2445 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#236: Market Update November 23 - A rate increase, higher listing volumes and regions are rallyingGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMThe November data is out! The headline figures prove that the 'middle sized cities' are still out-performing; Perth, Adelaide and Brisbane. And Melbourne disappointed with the first negative month in a while.We have seen a new peak in house prices in Australia and for the combined capitals; we have seen a new record high for house prices. Cate and Mike marvel at the volatility, and in particular the disproportionate declines that our markets have...2023-12-1856 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#235: Property Portfolio Puzzles - Unravelling the Mystery of How Investors Amass 10+ PropertiesGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMA lovely listener, Zak has written in to the the Trio. He and his partner have worked hard as young professionals and have acquired two properties; each with high 80's LVRs. One is a boutique apartment in Melbourne's leafy inner south/east, and the other is a character brick house in beautiful pocket of Ballarat. But despite their strong incomes and dedication to their financial goals, their borrowing capacity has precluded them from further investing for now...2023-12-1141 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#234: Unveiling the Secrets of Elite Strategic Mortgage Brokers – Navigating Advice, Skills, Results, Relationships & Regulations!Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMWhat does it take to become a great strategic mortgage broker?"You need to listen with intent", says Dave. There is so much more to effective mortgage broking than just having a good grasp of numbers and a sharp recall of loan products.The most successful professional advisors ask seven times more questions than the average advisor.Cate weighs in with a comment about how a good advisor can deliver an...2023-12-0445 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#233: Uncovering Diverse Pathways to Buyer’s Agency, Extra Skills to Gain an Edge & On-the-Job TrainingGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMCate talks candidly about buyer's agency and how she found her way into this space. Is a university degree essential? Important? And what other past experiences help a BA on their journey? Tune in to find out.Mike also speaks about some of the impressive BA's he's met and interviewed, and he considers the importance of analytical skills, soft-skills and diverse backgrounds. The Trio ponder the challenges of adapting to BA-life. From long...2023-11-2752 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#232: Perth Property Gold Rush - Analysing Western Australia's Property Investment Surge & Future RisksGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMMike has prepared some industry-first data and the Trio deep-dive into it for our listeners this week.Dave's overview of this special city spans it's impressive performance of late, and the uniqueness of Perth when it comes to the house to unit ratio. Mike also weighs in with some interesting history about WA's quest for independence. 66% of Western Australians voted to leave the commonwealth in a 1931 referendum, but for technical reasons, the vote...2023-11-2039 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#231: Market Update October 23 - Another rate increase, retail spending is up, and here comes Black Friday!Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMThe October data has Perth leading the chart, but as Dave reports, the mid-sized capitals are the capitals that are showing us the strongest results. There is a correlation between growth and listing rates though.Listings have jumped in Spring for Sydney and Melbourne, supporting Dave's correlation theory. Cate identifies data integrity issues, citing Hobart's data as an example. All it would take is a disproportionate number of listings at either end of the market...2023-11-1345 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#230: Equity Unleashed - Property Planning & Borrowing for Renovations & Wealth CreationGot a question for the trio? https://forms.com//form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMA great listener question prompts today's show. Sam writes;"We brought our 4 bed 2 bath mid century family in Greensborough area in mid 2021 for 1 mil approx. Since then the price has fallen then risen, and generic real estate apps pricing it at around the same value. The house is older style, has good bones but over time we would love to undertake a moderate renovation. The property is in a good family friendly/school zone, and with the...2023-11-0649 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#229: All Things Apartment & Units Part 2 – Secrets to Selection Success, Finding Capital Growth, Land to Asset Ratios & Other Expert TipsGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMCate kicks off the episode with some quirky title types that can be sometimes found for apartments. Particularly when considering an Art Deco era apartment, buyers need to brace themselves for Company Share and Stratum titles. They are generally cheaper products, but they come with danger for some borrowers. Cate explains the differences between these types and she expands on why buyers need to exercise caution when deposit funds on hand are less than 40%.Can...2023-10-3040 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#228: All Things Apartments & Units Part 1 – From Boutique to High-Rise, Uncovering Opportunity, Oversupply & Lender RestrictionsGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMThe Trio kick off this exciting ep by defining where apartments sit in the unit subset, and Dave shares with the listeners his favoured types of apartments. Some of Dave's criterion paves the way for a high-scoring gem... he shares some valuable must-haves and nice-to-haves. Highly sought-after, great allure, attractive land to asset ratio and unbeatable locations! Dave shares some startling facts about the recent historical capital growth performance of apartments versus houses. Core Logic...2023-10-2335 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#227: Market Update September 23 - Eighth consecutive month of national growth, and consumer sentiment has ticked upGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMThe September data throws us a few mixed bag items!Dave shares his takeaway: listing levels and an interesting correlation. Cate identifies the eighth consecutive month of national price growth, and she draws listener attention to capital cities versus the regions. The Trio ponder the power of commuting distance to major cities.Is there a sweet spot ratio when it comes to listing volumes and price movement? Mike ponders... tune in to find...2023-10-1652 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#225: Navigating the Fixed Rate Mortgage Cliff - Is It Real or Hype? Data Behind Headlines, Property Market Repercussions & Managing RiskGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMMike bravely delves in to mortgages.... and dares to ask whether the mortgage cliff is a threat to our property market.Is it a beat-up? Or is it something we should be bracing for? Dave mentions the Y2K bug and questions the power of fear."Miliions on Mortgage Cliff" is a headline Mike cites, and he plans to challenge the magnitude quoted.Mortgage stress, mortgage delinquencies and timelines are on...2023-10-0242 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#224: Breaking Into Buyer's Agency (and Other Advisory Roles) - How to Start, Survive, and ThriveGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMToday's listener question opens up a very popular discussion topic.... buyer's agency. James writes in to ask the Trio about a change of career... from carpentry to Buyers Agency. He's unclear of the pathway into the industry and he's keen to know how to be a great Buyers Agent. Cate shares some information with our listeners, from state/territory based qualification requirements to online groups and portals. Firstly, Cate steps listeners through the...2023-09-2545 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#223: Market Update Aug 2023 - Listings Jump, Who Said Rate Hikes Equal Property Declines, Capital-Regional Divide & Bad ‘Debt’ RisingGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMNow that our Stig (aka Sound Editor, Jamie) has sorted out our audio, we bring a new sound clarity to our listeners... we hope you enjoy!As our residential Australian property market ticks over to a ten trillion dollar value, Cate shares the August stats with our listeners and points out that the market is doing more than just demonstrating a recovery. The market is now moving reasonably solidly, and even Hobart's rate of contraction...2023-09-1851 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#222: Futureproofing Your Home & Investment Portfolio – Mortgage Mastery & Property Planning Problem SolvingGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMToday's listener question opens two fantastic conversations, each about two very differing scenarios. Nick (34) and his wife (33) have not only achieved a great start with a principle place of residence loan being fully offset, but they have other properties in their portfolio too. Cate congratulates them on this achievement, particularly given their ages and the fact that they have a baby too.They have been cognisant of their cashflows and they have saved and managed...2023-09-1151 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#220: Decoding RBA Cash Rate Adjustments: The Data Behind the Decisions, Property Market Impacts & the Puzzle of Rising Property ValuesGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMCate enjoys playing host again and she congrats Dave on the preparation of this challenging set of eps. Simplifying difficult concepts is one of the hardest things to do when presenting information to others.What data does the Reserve Bank monitor when deciding whether rates should be increased? Household consumption - from the Wealth Effect to COVID savings giving rise to YOLO, Dave suggests that this driver is only...2023-08-2858 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#216: Valuing Uniqueness - Appraising Properties with Special Features or DrawbacksGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMDave hosts this episode and opens by suggesting that appraising property requires a delicate balance of art and science.Appraising a property: How do we discount or add on a premium when something noteworthy is impacting the property positively or negatively?How do we apportion a premium or a discount when a feature is a stand out or a significant detractor? And how do we know how much to...2023-07-3157 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#213: Exploring How Government Policy Shapes Investor Behaviour - Decoding the Queensland Land Tax Ripple EffectsGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMMike's planning for this episode has Cate and Dave laughing... our newest muskateer is challenging the Trio with his cheeky script. But they won't fall prey to his tricks.Today's episode is all about some insightful data that Mike and the team at MCG uncovered about changing investor behaviours during the Queensland land tax proposed changes of 2022. "Anecdotally, (investors) were avoiding Queensland when they were legislating the land tax changes." Mike's data...2023-07-1043 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#212: Unlocking the Secrets of Inspecting Property - Expert Strategies for Assessing Properties like a ProGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMThis episode is all about the things that buyers should look for when inspecting property; the red flags, practical tips, seeing beyond hire furniture and fresh paint, .... and the non-negotiables."Before we put any inspections in the diary, we check Google Street View."Cate talks through the things that she's looking for when selecting properties to shortlist for her clients. From electrical transformers on power poles, speed humps and roundabouts, to dodgy neighbourhoods...2023-07-0347 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#211: How Many Properties Do You Really Need, Do I Buy 2 Cheaper Properties or 1 Higher Value & Retirement PlanningGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMThe trio enjoy a catch up after Cate's visit to Adelaide and a day out with Pete and the students. Pete sends a special hello to all of our listeners! Mike's weekly market update circles around the RBA minutes and the monetary policy paragraphs. He notes that "the case for justification is getting stronger" and he highlights the increased risk of inflation returning to the target, hence the interest rate move. Cate's interlude into...2023-06-2652 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#206: Breaking free from buyer's paralysis - Mastering the art of property decision-making and conquering FOBBABOGot a question for the trio? Click hereThis ep was about FOBBABO, an acronym Cate made up years ago.She coined this phrase a while back when buyers started having second thoughts after an ideal property came along. This episode is dedicated to the trick buyers often play on themselves… some of the reasons why, things that amplify FOBBABO, why it can be dangerous, and ways to tackle it when it happens to you.Dave hosts this exciting episode and explores with Mike and Cate some of the other psychological challenges buyers fa...2023-05-2241 min
The Property Trio (formerly The Property Planner, Buyer and Professor)#196: When property and money decisions upset relationships, and how to navigate the path to success – Part 2Got a question for the trio? https://zfmz.com/uLtjhyBskV96PYeJfal ShowShownotes: https://propertyplanning.com.au/when-property-and-money-decisions-upset-relationships-part-2-ep-196/ Dave's market update is a special one - he has been in the mortgage industry for over twenty years and his mortgage intel is always exciting. One lender has re-introduced negative gearing into their serviceability calculator. This essentially means that "shading" on rental incomes enables heightened borrowing capacity for investors. While it's just one lender... these situations often mean more will follow.Cate's market update relates to civil and infrastructure works...2023-03-1344 minThe Property Trio (formerly The Property Planner, Buyer and Professor)# 195: Market update Feb 2023 – The rate of price falls is slowing! But what's happening in Hobart and Canberra?Got a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaI Show notes: https://propertyplanning.com.au/market-update-feb-2023-ep-195/ 1. Price falls are substantially lower this month, compared to last month February saw even more of a slowdown in the rate of price decline, and interestingly, Sydney's positive price movement of +0.3% in February carried the national and combined capitals/regions average to almost negligible price movement at -0.1. Cate sheds light on why 2023 is quite different to past years. COVID lockdowns impacted agent activity significantly in the lockdown cities and and agents took the chance to take a holiday th...2023-03-0649 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#194: When property and money decisions upset relationships, and how to navigate the path to success – Part 1Got a question for the trio? https://zfmz.com/uLtjhyBskV96PYeJfal Show notes: https://propertyplanning.com.au/when-property-and-money-decisions-upset-relationships-part-1-ep-194/ The trio make a bitter-sweet announcement at the beginning of the show. Pete is leaving the podcast to enjoy his semi-retirement, and while Dave and Cate are excited for Pete, they are pretty sad to be saying goodbye to Pete. He's not leaving quite yet - they have the 200th episode coming up in April and they have a special three-part series with Pete coming up. They also share they will be announcing Pete’s replacement in the coming weeks…..stay tuned...2023-02-2738 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#193: Listener questions - will property continue growing at 7% pa on average? Analysing rate cycles, population growth, increases in wealthGot a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaI In this week’s episode, Dave, Cate and Pete answer two great listener questions; one is as the title describes, and the trio address growth drivers, assumptions and some of the things that don't always correlate with property price growth in the way that people expect them to. 1. A great question from Phil about historical average capital appreciation in capital cities. Hello gang! When you quote property appreciation estimates, you usually say something like 7%, based upon the historical average appreciation of the capital cities. That 7% has been mad...2023-02-2041 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#192: Market update Jan 2023 - Tight listing supply is creating a few buyer challenges!Got a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaI 1. Nationally a 1% median price reduction was our smallest rate of decline since June last year All falls for capital cities were also less than their falls last year – an interesting observation considering the unwelcome December rate increase. 2. Melbourne’s median value may fall to below the pre-pandemic level in the coming month – an interesting one to watch! But many of the other capital cities seem likely to remain above their last pre-COVID peaks. 3. Unit rents are still climbing in many cities, and while house asking rents have slowed...2023-02-1341 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#190: The admin, paperwork and responsibility of running an investment portfolioGot a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaIhttps://propertyplanning.com.au/propertyplannerbuyerprofessor/ 1. Pete and Cate shed some light on how they each manage the administrative tasks for their retrospective portfolios. And listeners may get some good ideas when they hear how these two investors segment the tasks. 2. Each share the tools and programs they use. Nothing beats Pete's excel spreadsheets! From hardcopy folders to cloud based files, the trio all have their own systems to share with listeners. No amount of record keeping can substitute for a great property manager though. 3. How do they track t...2023-01-3044 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#189: 2022 Review and 2023 Predictions - What did we get right? And what did we not predict?In this week’s episode, Dave, Cate and Pete take you through their 2023 predictions, but they also review their 2022 forecasts. Tune in to find out... 1. What will the market do? It seems the trio were optimistic in their predictions for 2023, but Cate did add a little disclaimer stating "providing no shocks to the market". It appears that imminent interest rate rises were not easily predicted by the trio at the start of 2022. 2. Capital city top performers - Pete's predictions for capital city performers landed closest to the pin, however Dave did have some interesting insights into Melbourne and Perth's growth an...2023-01-2339 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#188: Market Update December 2022 - Rents are still climbing, and increased net migration now poses a new threat to rental supplyGot a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaIhttps://propertyplanning.com.au/propertyplannerbuyerprofessor/ 1. Continued positive signs as home value index results show rate of decline slows Like November data exhibited, dwelling values’ rate of decline is still slowing in all cities except Brisbane and Hobart, but our national decline is not as severe as the media would have us all believe. As the heights of last year's market fade away from the rolling average data set our annualised losses continue to climb. 2. Rents are still climbing in many cities, and while house asking rents have slowed so...2023-01-1640 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#185: Listener questions - Buyer's agents who are "free", equity use, build replacement costs and a great beachside dilemmaGot a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaIhttps://propertyplanning.com.au/propertyplannerbuyerprofessor/ In this week’s episode, Dave, Cate and Pete take you through: 1. Our first listener question is a bit of a terrifying one. Charlotte is looking to buy her first home next year and asked the trio if it is normal for a selling agent to offer a 'free' buyer's agent who receives substantial commission fees from the seller. Charlotte felt it doesn't seem right.... and the trio agree with her. 2. Matt is keen to access his available equity in his current investment pro...2022-12-2640 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#184: Interest only vs Principal & Interest – Why working through the different considerations could add millions to your nest egg at retireGot a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaIhttps://propertyplanning.com.au/propertyplannerbuyerprofessor/ Pete kicks off this week’s market update circles in on the fact that the 'top end of the market' is the fastest falling segment. As he points out, it's the highest 25% of property that is dropping in value the most. Generally in a downturn, it's led by the more expensive properties. Dave tackles the cyclical nature of all markets, specifically the lending markets. Banks are coming up with more creative ways to get loans approved for people. Policies enabling low documentation are st...2022-12-1943 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#183: Market update Nov 2022 – Rents are still climbing, stock supply is tight, and bond yields have softened! (Ep.183)Got a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaIhttps://propertyplanning.com.au/propertyplannerbuyerprofessor/ In this week’s market update episode, Dave, Cate and Pete take you through: Continued positive signs as home value index results show rate of decline slowsRents are still climbing in many cities, and while house asking rents have slowed somewhat, the rate of growth is still very tough on tenants. Units in almost every city are still climbing at a strong rate, particularly for Sydney, Brisbane, Melbourne and Adelaide.New listings are the lowest in years and Pete shares a frightening chart th...2022-12-1245 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#182: Pets and rentals… the good, the bad and the scaryGot a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaIhttps://propertyplanning.com.au/propertyplannerbuyerprofessor/ In this week’s episode, Dave, Cate and Pete take you through: Pet stats!Legislation confusion? The trio uncover legislation around pets and rental properties, and just how dramatically the states and territories differ.What is our biggest fear? Pete leads the taskforce with an overview of the top reasons why so many landlords fear pets in rental properties.Illegal dog trainingWhen saying yes to pets presents an advantage to a landlordPet rental application cover letters? You bet!“Ohhh, THIS cat? It’s my fri...2022-12-0549 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#63: Commercial property - Part 2: Determining value, Real Estate Investment Trusts, Warehouses, Mixed Use, Leases, and moreIn this week's episode of the Property Planner, Buyer and Professor Podcast, the team explore the commercial property sector in part two and share with you how to determine the value of a commercial property, what to look for in a tenant, investing in real estate investment trusts and the ins and outs of warehouses - and more! David Johnston, Cate Bakos and Peter Koulizos discuss: •How to determine the value of commercial property when buying. The Property Professor explains what determines the value of a commercial property and what to look for in a quality commercial investment. •Land tax. Due...2020-08-2534 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#62: Dave, Cate and Pete's biggest regrets on their property journeyIn this week's episode of the Property Planner, Buyer and Professor Podcast, the team intimately share with you some of the most significant mistakes that they have made along their property journeys, and their lessons learnt. In this episode David Johnston, Cate Bakos and Peter Koulizos discuss: •Selling properties they could have held. The Planner, Buyer and Professor have all made this mistake at some point on their journey, along with many other Australians. Selling a property that you could have kept, is one of the most common regrets we see. •Not having a mortgage strategy in place. Your mortgage stra...2020-08-1834 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#61: Commercial property - Part 1: The risks and the rewards!In this week's episode of the Property Planner, Buyer and Professor Podcast, the team take you through the ins and outs of investing in commercial property. In this episode David Johnston, Cate Bakos and Peter Koulizos discuss: •How commercial property investment differs from residential, from a higher return on investment, duration and construction of leases, flexibility in lease length, business category of tenant and to ongoing running costs. •An introduction to the different types of commercial property - industrial, retail and office. •Higher return also means higher risk, and that risk comes in the form of vacancy rates, rental volatility and hi...2020-08-1133 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#60: Why established properties outperformhttps://propertyplanning.com.au/propertyplannerbuyerprofessor/ This week, the Property Planner, Buyer and Professor turn their thoughts to established properties and why they offer superior capital growth prospects. In this episode David Johnston, Cate Bakos and Peter Koulizos take you through: 1. Established houses tend to be located close to the CBD, and generally the older the property; the closer to the CBD, (being the central location for the majority of jobs and the highest land value per square metre.) 2. People want to live close to where they work, but will that be the case going forward as many businesses comfortably shift...2020-08-0440 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#59: Off the plan purchases - Everything you need to know. Part 2: The financial return driversThe Property Planner, Buyer and Professor continue analysing off the plan purchases, and in particular, high rise apartments. This week, in the second of two episodes dedicated to this type of property, their focus is on the financial risks of purchasing off the plan. In this episode David Johnston, Cate Bakos and Peter Koulizos take you through: 1. The 'Pros' of purchasing off the plan. The team start off outlining a number of financial benefits of purchasing off the plan, however many are short-term and what you could call a 'catch 22'. 2. The risks of not being able to access finance...2020-07-2836 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#58: Off the plan purchases - Everything you need to know. Part 1: Purchase through to settlementThe Property Planner, Buyer and Professor take a deep dive into the risks of purchasing off the plan. Because the risks are many and varied, this will be a two-part episode with an episode solely on financial risks to come next week! In this episode David Johnston, Cate Bakos and Peter Koulizos take you through: 1. Pros of purchasing off the plan - for a balanced view, we take you through the advantages of purchasing off the plan. Following the pro's, we then detail the risks that buyers need to be aware of. 2. Risks of buying a property that doesn't exist...2020-07-2139 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#57: Market update - What will the Melbourne lock down mean for the economy and property market?In this episode The Property Planner, Buyer and Professor take a deep dive into the impact of the lockdown in Melbourne and Victoria border closures on the property market and broader economy, and how the key indicators were tracking up to this point. In this episode David Johnston, Cate Bakos and Peter Koulizos take you through: 1. Victoria back into lockdown just as consumer confidence and new listings recover to pre-Covid levels - what does this mean for the property market, economy and what are the differences from the last lockdown? 2. Lender scrutiny and efficiencies are clogging up the approval process...2020-07-1436 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#56: The great debate! Capital Growth V Cash Flow - Which investment strategy is superior?The Property Planner, Buyer and Professor dive into the capital growth v cash flow debate when it comes to planning your investment strategy. Who will have their arm raised in victory? In this episode David Johnston, Cate Bakos and Peter Koulizos take you through: 1. The Property Professor makes the case for capital growth, by comparing property value and rental return over 20 years if you had purchased a capital growth v cash flow property for $600,000. 2. The Property Buyer explains how you can achieve the same outcome with a cash flow strategy - not everyone can afford to hold a capital growth...2020-07-0737 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#55: All things property tax - how to understand your deductions at tax timeAs we come to the end of another financial year, The Property Planner, Buyer and Professor delve into all things property tax and uncover the myths that can lead you astray on your wealth creation journey. In this episode David Johnston, Cate Bakos and Peter Koulizos take you through: •All the deductions you can claim on an investment property so that you do not miss a trick when completing this year's tax returns. •Depreciation, what you can claim as a tax deduction on fixtures & fittings, the building and when do you need a depreciation schedule? With thanks to some great tips...2020-06-3042 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#54: Market update - Building the bridge (or invisible stairway) across the economic cliff!The Property Planner, Buyer and Professor unpack the economic cliff. What will happen when JobKeeper, HomeBuilder and lender repayment holidays end? In this episode David Johnston, Cate Bakos and Peter Koulizos take you through: •How banks will look to help keep many of the most affected borrowers and businesses to stay afloat with new initiatives such as interest only repayments, lower rates, extended loan terms and pauses, although some zombie businesses will need to be let go. •What holds for employment, as 124,000 people are re-employed in May and a further 850,000 expected by the end of next month. •HomeBuilder scheme, the ins an...2020-06-2331 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#53: Diversification 101 - How and why to plan for diversification within your property portfolioThe Property Planner, Buyer and Professor discuss all things diversification, from the reasons why you should diversify your portfolio to the many ways you can implement diversification in your investment strategy. In this episode David Johnston, Cate Bakos and Peter Koulizos take you through: •Beware of one size fits all strategies! The suggestion that you should have a 50/50 balance of shares and property (or any other type of investment) is vastly oversimplifying the concept of diversification and neglecting the most important element of the equation, YOU! •Discussing the different asset classes for diversification, there's more to consider than just property v sh...2020-06-1635 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#51: Market update - The HomeBuilder stimulus - What it means for home buyers, renovators, jobs, the economy and property market!The Property Planner, Buyer and Professor met this morning for a 'breaking news' recording on the $688 million HomeBuilder stimulus package announced by the federal government yesterday. The new package aims to safeguard the jobs of a million tradies, and to prop up the construction industry which was teetering on the edge of oblivion. Home buyers and home renovators will be offered a cash grant of $25,000 for signing a contract to purchase a new dwelling, build or renovate from today through to 31 December 2020. Hear the full story as David Johnston, Cate Bakos and Peter Koulizos take you through: •Setting the scene, wh...2020-06-0533 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#50: Tenants from hellA good property manager is worth their weight in gold, and equally, so is a good tenant. A great tenant who is happy and obliging will stay in your property for a long time - avoiding long gaps between tenancies, advertising costs for vacancies and loss of rental income. In this episode David Johnston, Cate Bakos and Peter Koulizos take you through: •What makes a good tenant, it's more than simply paying on time. •What does a bad tenant look like? A bad tenant is a liability to avoid at all costs. •Does your property manager stack up? A bad proper...2020-06-0231 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#49: Market update - The view from the coalface, sentiment and push-pull factorsIn the ninth Podcast since Covid-19 took hold, we turned our thoughts to the property market forces at play, how sentiment is increasing as restrictions are easing and what's on the horizon for property. In this episode David Johnston, Cate Bakos and Peter Koulizos take you through: •Supply of properties on the market continue to remain low, however competition is picking up as more buyers are jumping into the mix. •The outlook for construction remains uncertain as building and development contracts come to an end, however Government intervention is likely to support new building projects. •How the downturn has sparked intere...2020-05-2635 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#48: Offset accounts - God's gift to mortgage strategyThis week we resume normal transmission and return to our education based Podcast, and take a break from our market and economic commentary and observations in our Covid-19 series. In this episode David Johnston, Cate Bakos and Peter Koulizos take you through: •Optimising tax deductions, how utislising your offset account will help you to save tens of thousands in future tax deductions over your lifetime. •How offset accounts can help you to hold property you would have otherwise needed to sell. This alone may add $1,000,000 to your bottom line in retirement. •Calling all upgraders, how you can put your best foot f...2020-05-2027 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#47: Market update - What's ahead - the stabilisers, economic factors and the what if's!In the eighth Podcast since Covid-19 took hold, we turned our thoughts to the property market and the multitude of forces that determine its trajectory. We look at the stabilisers, head winds and yes, even tail winds, despite what the mass media might have you believe! In this episode David Johnston, Cate Bakos and Peter Koulizos take you through: •The seller's market, how supply and low interest rates are underpinning property values. •Why auction clearance rates have improved each week for the last three weeks and one noted property market expert with a proven track record is re-calibrating his previous dire...2020-05-1234 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#46: Market update- Recovery lessons from recent recessions, the great depression, GFC & Spanish Flu - the market forecastIn the seventh Podcast since Covid-19 took hold, we turned our thoughts to the alarmist headlines emerging, warning that the property market will drop by 20-30%. Why in all likelihood that won't be the case by taking a critical eye to data and forecasting, and jumping in the time machine to look at the economic impact of previous pandemics and recessions on the property market. In this episode David Johnston, Cate Bakos and Peter Koulizos take you through: •We share our insights as to what we are seeing at the coal facewith residential property transactions and buyer activity. •We discuss our...2020-05-0534 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#45: Market update- Getting your ducks in a row before the economy opens up!In the sixth Podcast since Covid-19 took hold, we turned our thoughts to focusing on planning for your next decision, as the governments start planning for, and in some cases such as WA and QLD, removing restrictions to open up the economy. It takes time to develop your property plan and selection strategy for the next purchase. This all happens before you can even begin the searching process and get your finance approved. In this episode David Johnston, Cate Bakos and Peter Koulizos take you through: •Confidence and market sentiment continue to rise with the data telling us more people ar...2020-04-2835 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#44: Market update- The green shoots - what are the early signs of market recovery?In the fifth of our Covid-19 Podcast specials recorded on Monday, we turned our thoughts to focusing on the green shoots, marking the early signs of recovery with the federal and state governments now turning their focus on how we navigate an effective exit of the shutdown, whilst keeping infections low or entirely eradicated. We have seen talk of lifting restrictions, sporting bodies have been working through their plan to get back on the field and elective surgeries are back on the agenda. This adjustment in focus to how we exit successfully has the ability to spur on the initial...2020-04-2134 minThe Property Trio (formerly The Property Planner, Buyer and Professor)#2: Meet the Property Buyer, Cate BakosThis podcast is dedicated to meeting the Property Buyer, Cate Bakos who will provide her insights and philosophy on why Property Selection is so vital to your financial success! Follow the Property Podcast: - Facebook: https://www.facebook.com/propertypodcast - Instagram: https://www.instagram.com/the_property_podcast/2019-07-0829 min