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Mike Mortlock

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The Property Trio (formerly The Property Planner, Buyer and Professor)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)The 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)The Property Trio (formerly The Property Planner, Buyer and Professor)#305: Market Update Mar 25 – Darwin Leads Growth, Melbourne Posts Another Increase & Interest Rate Uncertainty Amid Global Tariff ConcernsGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMThis week, Mike and Cate tackle the data! Nationally, median dwelling values have strengthened, recording 0.4% for the month. But it is Darwin who's stolen the show with a full 100 basis points rise in March. Adelaide continues to impress, showing strong resilience. The Duo ponder the drivers behind the continued performance of the City of Churches and they also note that Hobart has been the only negative-performing capital city for the month.Cate highlights the difference...2025-04-1452 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The Property Trio (formerly The Property Planner, Buyer and Professor)#302: Can You Predict Property Market Recoveries? Property Cycles & Mean Reversion – Is Melbourne A Hidden Opportunity or a Risky Bet?Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMIn this episode of the Property Trio, Dave, Cate and Mike delve into the concept of mean reversion in property investment, particularly focusing on the Melbourne market. If a market experiences a prolonged flat or declining period, should it eventually revert to its historical trajectory?  Dave explains the theory of mean reversion, and its implications for property prices."One month of data does not indicate a trend" as Dave correctly states. The Trio lo...2025-03-2446 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The Property Trio (formerly The Property Planner, Buyer and Professor)#300: A Deep Dive into Market Movements Over 6 Years & 300 Episodes - How This Compares to the Last Decade & What Lies AheadGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMDave hosts our 300th show today, and it's a particularly special episode because we commemorate Mike's 100th episode in the Trio. What's changed in the data, the economy and the Australian property market since we started recording together?They recall the impact of COVID on the studio and the recording setup too.  The first statistic that Dave shares is quite startling. Australian residential real estate has grown from $6.95 trillion dollars to over $11 trillion dollars. 2025-03-1054 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The Property Trio (formerly The Property Planner, Buyer and Professor)#299: Maximising Wealth in Retirement – When to Divest Properties and Retire Debt to Achieve Lasting Financial SecurityGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMCate hosts today's show and she opens the conversation Kim's listener question as follows."I would love to hear more about what to do with property portfolios for those nearing retirement. Do we transfer to our kids, sell some off or live on the rent and sell off when we are really old?" But as Dave points out, this is quite a big question, and not one that can be answered in under a minute. T...2025-03-0331 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The Property Trio (formerly The Property Planner, Buyer and Professor)#298: Is Melbourne’s Property Market About to Turn? A Data-Driven Look at What’s NextGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMCate hosts today's show and she opens the conversation with the most recent interest rate cut. What could it mean for the property market? And will we see consecutive cuts in the short-term?Dave shares his perspective on Melbourne's anaemic property performance and he contrasts this miserable growth against some of the other capital cities. Looking at 10 years of data shows the following: Melbourne, in contrast to other cities, experienced most of its g...2025-02-2453 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The Property Trio (formerly The Property Planner, Buyer and Professor)#297: Market Update Jan 25 – Markets Brace for RBA Rate Decision, Is Perth’s Boom Over, Rental Pressures Ease & City Folk Flock to RegionsGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMThis week, Mike hosts the monthly market update and kicks off with a segment about Darwin. But, as Cate states, data points don't make a trend line. Darwin's recent performance may be noteworthy, but historical data suggests that Darwin's median property price is still less than what it was a decade ago. And while talking data, Mike promises our listeners some exciting data on mean reversion, (specifically in relation to Melbourne).... stay tuned! Th...2025-02-1755 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The Property Trio (formerly The Property Planner, Buyer and Professor)#295: The Trio’s Top Predictions for 2025 - What’s in Store for the Property Market?Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMIt's another bumper episode, and we promise we won't keep clocking one hour eps.Following on from last week's retrospective on how the Trio went with their 2024 predictions, this time they each shared their 2025 predictions.What will the market do? - Cate thinks that 2025 will be a better market than 2024. Cate guesstimates 7.5% growth, nationally. Mike thinks a slight underperformance is on the cards when contrasting 2025 to 2024. Mike's national growth prediction is 4...2025-02-0358 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The Property Trio (formerly The Property Planner, Buyer and Professor)#294: A Recap of the 2024 Year in Property – And Our 2024 Prediction Hits, Misses, Lessons and SurprisesGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMThe Trio love this retrospective. Each year, they predict the following year and at year end, they review their predictions and rate each other's accuracy.  Today's show is a lot of fun, and it's our longest podcast recording ever.... sorry folks. We will try to keep it under an hour going forward. Dave got the best score for our first question; "What will the market do?"  "I think we'll see value gro...2025-01-271h 04The Property Trio (formerly The Property Planner, Buyer and Professor)The Property Trio (formerly The Property Planner, Buyer and Professor)#292: Property Trends to Watch in 2025 - What Every Investor and Homebuyer Needs to KnowGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMThis week, Cate hosts the show and the Trio list three specific trends to watch in 2025. Dave opens up the discussion about the financial markets and contemplates the chances of a rate cut in February. He notes that the market have fully priced in a cut by the month of April. To date, the RBA's RateTracker is still showing a 73% expectation of a rate cut at the next RBA meeting. What will a rate cut do for...2025-01-1345 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The 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)The 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)The 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)The 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)The 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)The 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)The 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)The 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)The 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)The 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)The 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)The 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)The 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)The Property Trio (formerly The Property Planner, Buyer and Professor)#274: Fast-Tracking Financial Independence - Navigating Debt, Portfolio Growth, Expenses and Retirement GoalsGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMThis week our topic comes from a valued listener, Gaurav.  Gaurav and his wife have made some impressive strides in building their property portfolio since moving to Australia in 2019 by now owning 6 properties, and they're at the stage where they are looking to achieve financial independence within the next 5 to 7 years."Hi Property Trio Team, I have been listening to your podcast for the last two years and have listened to every episode of t...2024-09-0933 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The 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)The 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)The Property Trio (formerly The Property Planner, Buyer and Professor)#271: Market Update July 24 – Adelaide Closing in on Melbourne’s Median, Investors Return in Force & Renters See Relief as Growth SlowsGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMMike kicks off this episode, and the Trio reminisce about Pete Koulizos's special place in the history of the show as they marvel at Adelaide's stellar growth. How sustainable do they think the City of Church's continued growth is?Dave references the quartile performance breakdowns, and the possible leading indicators when it comes to capital city growth cycles. The softening of the higher priced quartile of the market is important to note.The...2024-08-1956 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The Property Trio (formerly The Property Planner, Buyer and Professor)#271: Market Update July 24 – Adelaide Closing in on Melbourne’s Median, Investors Return in Force & Renters See Relief as Growth SlowsGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMMike kicks off this episode, and the Trio reminisce about Pete Koulizos's special place in the history of the show as they marvel at Adelaide's stellar growth. How sustainable do they think the City of Church's continued growth is?Dave references the quartile performance breakdowns, and the possible leading indicators when it comes to capital city growth cycles. The softening of the higher priced quartile of the market is important to note....2024-08-1956 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The 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)The 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)The 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)The 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)The 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)The 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)The 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)The 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)The 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)The Property Trio (formerly The Property Planner, Buyer and Professor)#260: Celebrating 5 Years of The Property Trio - Our Journey and Favourite Property, Mortgage and Money InsightsGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMMike opens our 260th episodes, congratulating Dave and Cate on five years of podcasting. The Trio have decided to take a trip down memory lane and reflect on some of the eps, and the special bond that they all share, Pete included.Cate gives the listeners a bit of background about what drove the market update deliveries, and how the show has evolved as a result of lockdowns and listener feedback.Reflecting on...2024-06-0354 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The 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)The 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)The 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)The 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)The 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)The 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)The 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)The 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)The 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)The 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)The 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)The 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)The Property Trio (formerly The Property Planner, Buyer and Professor)#246: Tackling Housing Affordability - Part 2: The Trio’s Blueprint to Foster a Healthy Property MarketGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMIn this innovative, two part series, the Trio share their own ideas and ideals to contribute to some solutions for solving the housing crisis.Dave is clear. "It's all supply, supply, supply". But he is clear on the need to define the 'ideal' balance being agreed and struck. Cate and Dave debate the short-stay accommodation impact on rental supply... is short-stay problematic? Mike weighs in with his thoughts. Will the day come when...2024-02-2645 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The 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)The 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)The 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)The 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)The 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)The Property Trio (formerly The Property Planner, Buyer and Professor)#240: 2024 - The Trio’s Property Predictions and Insights for the Year AheadGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMCate kicks off the Trio's predictions for 2024 and reminds Mike that he will be accountable in a year's time.Dave picks value growth of 2-7% nationally in 2024, with the market being weighed down by Melbourne and Sydney, with a comment that he feels we'll see a similar year to 2022. Cate feels that a strong supply of listings in early 2024 will dim the growth potential for the busy cities in the early months. The supply and...2024-01-1552 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The 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)The 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)The 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)The 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)The 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)The 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)The 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)The 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)The 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)The 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)The 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)The 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)The 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)The 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)The 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)The 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)The 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)The Property Trio (formerly The Property Planner, Buyer and Professor)#221: Analysing Market Mindset – Gun-Shy Buyers, Developer Exits, Houses vs Units & Investor ConcernsGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMCate enjoys playing host again, this time as the trio unpack the API survey, (Australian Property Investor magazine). They reminisce about the good old days, when the mag used to hit the shelves each month and they'd earmark articles, celebrate their own appearances in the magazine, and collect the publications, filled with post-it notes.The gap in performance between houses and units has closed a little recently and Dave notes that the data doesn't really...2023-09-0457 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The 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)The Property Trio (formerly The Property Planner, Buyer and Professor)#218: Market Update July 23 – Rental growth slows, will rent freezes fan the flames, exploring the office exodus & capitals thriveGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMCate points out that the capital cities have outperformed the regional cities of late, and Dave draws our listener's attention to the sheer performance of Brisbane, Adelaide, Perth and Sydney when contrasting the median value ladder places. Despite the upturn, many major cities are still beneath their cyclical highs.Cate's discussions at the coal face signal that some of her listing agent friends are quite busy with their appraisal activity - always a precursor to...2023-08-1443 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The Property Trio (formerly The Property Planner, Buyer and Professor)#217: The Inflation Conundrum - Unravelling its Causes and ConsequencesGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMInflation... What is it, why is it a problem and what causes it?Mike hosts this this exciting special episode and the Trio work to demystify this economic phenomenon, along with some of the terms that we often hear in the news. Inflation is also known as the CPI, short for the Consumer Price Index, because this is the index that records the changes in pricing of all the goods and...2023-08-0741 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The 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)The Property Trio (formerly The Property Planner, Buyer and Professor)#215: Property Puzzle - Piecing Together Your Next Purchase StrategyGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMThe Trio decided to celebrate Bastille Day by giving this listener a pseudo name; Amelie. Our listener sent through a multitude of great questions and the trio decided to circle in on Amalie’s challenge for this episode. Amelie* is in her mid-twenties and she co-owns a property with her brother in Sydney’s west. She’s a good saver, has a good job and she is keen to purchase her second property. She has a few ideas...2023-07-2447 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The Property Trio (formerly The Property Planner, Buyer and Professor)#214: Market Update June 2023 - Interest Rate Increases Yet to Dampen the Market, Sydney Soars, Investor Exodus & Regional SurprisesGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMMike kicks off our episode with the fresh announcement of our new RBA Governor. The trio wish Michelle the very best in her new role, and they also chat about the departure of Philip Lowe and the key mistake that likely drove the change in Governor.Mike points out that the overall national increase of 1.1% is not really a national story and Cate reinforces that the strength of the Sydney market is driving much of...2023-07-1750 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The 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)The 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)The 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)The Property Trio (formerly The Property Planner, Buyer and Professor)#210: May Market update - How the Upper Quartile is Driving Market Movements, Generational Shifts & Boomer Effect, and RecessionGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMMike kicks off our market update with Sydney - up by 5% for the quarter. While this big city does a lot of heavy lifting when it comes to median figures, Cate points out that every single capital city is recording positive median price movement for the month of May. Dave brings our attention to the pace of growth for the city markets over the short term, as we see these markets gain pace over the regional markets...2023-06-1951 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The Property Trio (formerly The Property Planner, Buyer and Professor)#209: Listener questions - Mastering property planning in unique circumstances, and unveiling buyer’s agent conflictsGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMMike's market update focuses on some new tax data which identifies the highest earning suburbs in Australia. WA's Cottesloe and Peppermint Grove take the lead and the range of incomes will surprise a few. Among other facts and figures, gender wage gaps, average superannuation balances and richest professions all featured in Mike's segment."The average Australian taxable income currently sits at $63,882." Our first listener question asked the Trio about their take on the Four Corners Episode that...2023-06-121h 00The Property Trio (formerly The Property Planner, Buyer and Professor)The Property Trio (formerly The Property Planner, Buyer and Professor)#208: The Distance Dilemma - Decoding the Proximity Puzzle for Property InvestorsGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMThe trio kick off this exciting episode with a discussion about the Westpac consumer sentiment index and the recent changes that our markets have been experiencing.Dave and Mike ponder the role that the media play versus the money market commentary, and Cate highlights the shrinking confidence about the time to buy a major household item index, a positive signal that the RBA rate increases could be (slowly) taking effect.Today’s show is all ab...2023-06-0554 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The Property Trio (formerly The Property Planner, Buyer and Professor)#207: Mortgage mastery for investment borrowing and the hold or fold dilemmaGot a question for the trio? Click hereThis ep is crafted around two excellent listener questions that hinge around mortgage strategy. But before the trio jump into the questions, they share their market updates.Land tax reforms (and other 'fruity' ideas) are the topic of conversation for many Victorian investors, and Cate talks through the changes with Mike and Dave. She touches on some of the challenges that Victorian property owners have faced through the pandemic and she also considers some of the negative implications of the new changes. Cate wonders whether the direct impact...2023-05-2951 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The 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 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The Property Trio (formerly The Property Planner, Buyer and Professor)#205: April Market update: April Market update: Budget night and rising rents ... how do we solve this issue?Got a question for the trio? Click hereMike opens his first official Market Update episode and kicks off the conversation with the Federal Government's budget night announcements. Notably, the trio talk about the impact on the property market, in particular the measures that are proposed to ease the cost of living and the government's approach to tackle the rental crisis. The Trio ponder the complexities of long lead time and expensive building costs when it comes to targeting the new supply side of the equation, and Cate points out the contrasts between this particular...2023-05-1552 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The Property Trio (formerly The Property Planner, Buyer and Professor)#204: Ownership structures Part 2 - Parental support, shared equity schemes and co-opsGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMWelcome to The Property Trio! Formerly The Property Planner, Buyer and Professor, we've rebranded!The trio ponder the RBA rate increase decision. Cate points out that while the rate of inflation is reducing, the inflation figure is still "a million miles" above the target band, (in Mike's words), and our regulators are doing what they can to slow down the rising cost of goods and services; particularly the latter, as Dave...2023-05-0845 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The Property Trio (formerly The Property Planner, Buyer and Professor)#203: Ownership structures Part 1 - Co-ownership, parental support, buying with friends and alternative ways that buyers enter the marketGot a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMWelcome to The Property Trio! Formerly The Property Planner, Buyer and Professor, we've rebranded!The trio ponder the current market and share their thoughts on the improving conditions and some of the contradicting economist and media views. Cate highlights some of the reasons why our market has been underpinned, with an uptick of buyer appetite Mike brings perspective to the Silicon Valley bank concerns, citing Peter Costello, our past-treasurer in a...2023-05-0143 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The Property Trio (formerly The Property Planner, Buyer and Professor)#202: Meet the Quantity Surveyor, Mike MortlockFormerly The Property Planner, Buyer and Professor.Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMFor this exciting episode, some 200 eps following the original podcaster intro's, Dave and Cate introduce Mike! They chat all things quantity surveying, but drill into the Novocastrian man behind the microphone... from his dangerous hobbies, to what it was that led him to his career as a 'construction economist'. Mike's candid demeanour brings something special to the trio, and this particular recording...2023-04-2443 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The Property Trio (formerly The Property Planner, Buyer and Professor)#201: March Market Update - Has it turned, or is this a dead cat bounce?Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMWelcome to The Property Trio! Formerly The Property Planner, Buyer and Professor, we've rebranded!We are proud to be bringing your regular episodes to your podcast feed with our newest musketeer, Mike Mortlock. Cate and Dave decided to throw Mike in at the deep end with his first hosting gig, and he didn't disappoint. The Trio reflected on the March data and in particular, the question on everyone's minds; ...2023-04-1748 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The Property Trio (formerly The Property Planner, Buyer and Professor)#200+: Our third musketeer's job interview. Welcome to the Property Trio, Mike Mortlock!Dave and Cate share with the listeners the appointment of Mike Mortlock to 'Third Musketeer' status on The Property Trio.Mike's job interview and Cate and Dave's discussion prior about the key attributes they're searching for. This little mini-ep taster provides a bit of humour and some insight into Mike's wit and charm.We welcome our clever Quantity Surveyor to the show! Congratulations, Mike!2023-04-1105 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The Property Trio (formerly The Property Planner, Buyer and Professor)#125: Does size matter? Should you buy a small block of land in a great location or a bigger block further out?https://propertyplanning.com.au/propertyplannerbuyerprofessor/ Market update 1. Spotting the suburbs across Australia that are suffering rental losses Our good friend Mike Mortlock from MCG Quantity Surveyors has instituted a rental losses index, which is a direct reflection of vacancy rates. A fantastic tool for any investor to add to their toolkit for identifying whether a location is a good area to invest in. The rental losses index has put a spotlight on university precincts in Melbourne in particular, but also Tarneit where brand new house and land packages dominate. Check out Cate's article in our show notes for more insights. 2...2021-11-0143 minGeared for Growth Property Investing PodcastGeared for Growth Property Investing PodcastEpisode 125 - BONUS Tax Time podcast: 4 tips to maximise your tax deductions this tax season with Mike MortlockEnjoy this bonus tax time podcast from our very own Managing Director, Mike Mortlock as he provides our listeners with 4 hot tips on how to maximise your tax deductions this upcoming tax time.2021-06-2109 minThe Property Trio (formerly The Property Planner, Buyer and Professor)The 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 minGeared for Growth Property Investing PodcastGeared for Growth Property Investing PodcastIntroduction by Host Mike MortlockA quick introduction to the Geared for Growth Property Investing Podcast by host Mike Mortlock. Listen to hear what this whole thing is about and what you can expect!2017-05-0501 min