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The Property Trio (formerly The Property Planner, Buyer and Professor)

The Property Trio (formerly The Property Planner, Buyer and Professor)

Auteur(s): Cate Bakos David Johnston and Mike Mortlock
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À propos de cet audio

 Formerly The Property Planner, Buyer and Professor, our show rebranded in 2023 to The Property Trio.

Residential property is the only asset class we live in, it is where we raise our families, and it is our most expensive investment, yet property advice remains unregulated. Our objective is to educate time-poor professionals through deep insights from our experts who have provided thousands of Australians with personalised advice and education spanning two decades. In a climate where we are overloaded with information and one size fits all recommendations from the media, well-meaning friends and family and so-called advisers, we will distill the raw truth from the ill-informed.

So join the Property Planner, David Johnston, The Property Buyer, Cate Bakos and the Quantity Surveyor, Mike Mortlock as they take you on a journey of discovery through the maze of property, mortgage, and money decisions to empower you to create your ideal lifestyle!



Links to your hosts:
https://www.catebakos.com.au/
https://propertyplanning.com.au/
https://www.mcgqs.com.au/

Copyright The Property Trio Finances personnelles Économie
Épisodes
  • #331: Property Planning Dilemmas – How to Navigate Investments That Limit Your Ability to Buy a Future Home

    #331: Property Planning Dilemmas – How to Navigate Investments That Limit Your Ability to Buy a Future Home
    Oct 13 2025
    Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM

    🎙️This week, the Trio tackle a fantastic listener question from Alex, who, along with his partner, has done an incredible job kickstarting their property journey early — but now faces a common crossroads. 🏡💭


    💬 Alex’s Story:
    At just 28, Alex and his partner have built an impressive portfolio of two investment properties (townhouses) in Melbourne’s north: one in Reservoir and one in Pascoe Vale. Both are on solid incomes and have managed their expenses well while still living at home. However, now they are thinking about the next life stage; marriage, a family, and their own place to call home. Their dilemma? With two investment loans already on the books and rising property prices in Melbourne, their borrowing capacity for a family home feels stretched thin. They’re unsure whether to hold, sell, move in, or pivot entirely.

    Mike hosts this exciting episode, and Dave and Cate enjoy sharing some of their data and considerations.

    🏠 Dave unpacks the starting point:
    When you’re looking to transition from investor to owner-occupier, planning ahead is critical. Dave discusses how cash flow, borrowing capacity, and upcoming lifestyle changes, (such as dropping to one income when kids arrive) must all feed into a forward-looking financial plan. He also highlights the value of scenario modelling to stress test each option before taking action. 📈 Cate dives into the townhouse question:
    Alex worries that his townhouses won’t keep pace with freestanding homes in terms of growth. Cate explores how to assess the quality and location of existing assets. Not all townhouses are created equal. She explains what makes some outperform others, and why strategic "hold" decisions can sometimes deliver better long-term results than reactive selling.

    💡 Dave runs the numbers:
    Dave breaks down the five key scenarios Alex could consider, from keeping both investments and waiting, to selling one or both, or even moving into one temporarily. He walks listeners through how borrowing capacity shifts with each scenario and the trade-offs between short-term comfort and long-term wealth creation.

    🧭 Big takeaways:
    This conversation is a powerful reminder that strategy must come before action. As Dave notes, it’s easy to get caught up in the excitement of buying property without thinking through how each purchase impacts your next goal. Cate adds that clarity around timelines, lifestyle priorities, and risk tolerance is the foundation of smart decision-making. Whether you’re in Alex’s shoes or planning ahead for your next chapter, this episode is packed with valuable insights on balancing life goals with property ambitions.

    And our gold nuggets!.....

    Dave Johnston's gold nugget: The benefits of a long term, well thought out family home go beyond just lifestyle and happiness. From tax considerations to the benefits of a longer tenure, Dave puts up a compelling option.

    Cate Bakos's gold nugget: Cate gives some good advice to those who are considering rent-vesting. "Be very clear about when you want your family home."

    Mike Mortlock's gold nugget: Mike talks about the elephant in the room; the differential between the performance of the townhouses and a family home.

    Shownotes: https://www.propertytrio.com.au/2025/10/13/property-planning-dilemmas/
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    52 min
  • #330: Inside the 2025 PIPA Investor Survey - What Investors Really Think About Property and the Future of Property Investment

    #330: Inside the 2025 PIPA Investor Survey - What Investors Really Think About Property and the Future of Property Investment
    Oct 6 2025
    Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM

    🎙️In this week’s episode, Dave, Cate and Mike unpack the eye-opening results from PIPA’s 2025 Annual Property Investor Sentiment Survey, now in its 11th year. As two of PIPA’s board members, Cate and Mike bring insider insights into what’s really behind the growing number of investor exits, and what it all means for Australia’s tight rental market.

    🏠 The headline figure is striking: 16.7% of investors sold at least one property in the past year. This is the highest rate since the question was first introduced in 2022. Cate explains how rising costs, increasing legislative uncertainty, and fears over potential tax reforms are driving investors out just when rental demand is at record highs.

    🌏 Dave turns the focus to the cities, asking whether Victoria remains the hardest hit. Mike reveals that while Melbourne’s investor sale rate climbed slightly to 22.1%, Brisbane (19.7%) and Perth (11%) aren’t far behind. It’s not just a Victorian problem; it’s national. Cate ponders the idea that some Perth investors might be finally “cashing out” after a decade of sluggish returns, showing how long-term fatigue and short-term gains can both influence investor behaviour.

    🏡 Regional markets tell their own story. Cate shares that regional Queensland led the country with 15.8% of investors selling, (more than double last year’s figure), while regional Victoria recorded 7.9%, and regional NSW fell sharply to 5.5%. She suggests that recent interest rate cuts may have steadied nerves in NSW, while Queensland’s strong capital gains tempted investors to sell.

    💰 Who’s buying these properties? Mike notes that 42% of sales went to other investors (up from 31% last year), but the rest were snapped up by first home buyers. It’s a bittersweet outcome: great for new homeowners, but another hit to rental supply as more properties leave the investor pool.

    📉 Cate delves into the reasons for selling, citing rising compliance and insurance costs, the desire to reduce debt, and increasing frustration over complex rental reforms. Policy uncertainty looms large, with more than half of respondents saying they’d stop investing if negative gearing rules changed, and 35% saying they’d exit if CGT discounts were reduced.

    ⚠️ Mike raises another concern—communication breakdown. A massive 64% of investors were unaware of Victoria’s new vacant land tax, and 60% had only limited understanding of tenancy law changes. Even more startling, 10% said they’d never heard from their state government at all. This lack of engagement leaves investors navigating complex changes blindfolded.

    🌈 But there’s a silver lining. Despite the challenges, confidence is on the rise—nearly 60% of investors believe the next 12 months present good buying opportunities. And in a surprise twist, Melbourne has reclaimed top spot as Australia’s preferred investment destination, leaping from 26% last year to 41%.

    💡 Tune in to hear The Trio unpack this up-to-the-minute findings, their message to policymakers, and their rationale behind the findings. Listeners can request a copy of the survey results by contacting us.

    And our gold nuggets!.....

    Mike Mortlock's gold nugget: Mike makes the point about increasing tax losses since 2020/2021's tax year impacting the investor cohort significantly.

    Cate Bakos's gold nugget: Cate puts her PIPA board member hat on and encourages our community of investors to participate in the survey next year.

    Shownotes: https://www.propertytrio.com.au/2025/10/06/pipa-investor-sentiment-survey-2025/
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    41 min
  • #329: Climate Change and Property - How to Navigate the Challenges & Avoid Costly Mistakes

    #329: Climate Change and Property - How to Navigate the Challenges & Avoid Costly Mistakes
    Sep 29 2025
    Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM

    🎙️This week on The Property Trio, Mike, Cate and Dave dive into how environmental risks are reshaping the housing market, from skyrocketing insurance premiums to property value discounts in flood-prone areas.

    🌏 The scale of the risk is staggering. Drawing on the Climate Council’s At Our Front Door report and the latest insurance data, the Trio unpack what “moderate” and “high-risk” actually mean for everyday Australians. With more than two million homes already exposed, and suburbs like Hawkesbury and Brisbane at the front line, the warnings of 2019 and 2022 are no longer projections, they’re reality.

    💰 Insurance has become the frontline battle. The average Australian might pay around $2,200 for home and contents cover, but in high-risk zones, families are seeing $7,000, $12,000, even $30,000 premiums. For some, the flood component alone tops $8,000 annually. The Trio explore how these costs push households into stress, and why underinsurance, (or no insurance at all), is becoming common in vulnerable regions.

    🏠 Property markets are already adjusting. Buyers are cautious, lenders are wary, and price discounts are appearing. UTS research showed Richmond homes in 1-in-100 flood zones selling for nearly 11% less, while post-flood Lismore recorded value drops of around 30%. Across Narrabri, Forbes, and even Sydney pockets like Windsor, the same hesitation is taking hold.

    📊 The bigger picture matters too. Disasters are costing billions annually, with projections hitting $94 billion per year by 2060 under high-emission scenarios. Banks, heavily exposed to mortgages, face systemic risks, while lower-income households bear the brunt. Yet preparedness lags, with builders, codes, and infrastructure still playing catch-up.

    🛠️ So what can investors do? The Trio share a practical five-step checklist:
    1. Use the data—flood maps, hazard reports, and council resources.
    2. Get insurance quotes before you buy.
    3. Assess the build—look for resilience features.
    4. Diversify your portfolio across regions and risks.
    5. Stay alert to policy and regulation changes.
    ⚠️ Climate change isn’t just about the weather, it’s about the numbers. Premiums, property values, and policies are shifting now. Smart investors who stress-test their assumptions will stay ahead; those who ignore the data risk owning tomorrow’s troubled assets.

    Listeners can request Mike's checklist by contacting us.

    And our gold nuggets!.....

    Cate Bakos's gold nugget: Cate takes listeners through her process for checking online quotes through insurers. Not a precise solution on it's own, but a very good gauge for flagging potential issues from the onset.

    Mike Mortlock's gold nugget: Mike warns listeners about the reliability (or unreliability) of online insurance calculators for determining insurance rebuild cost estimates.

    David Johnston's gold nugget: Dave echoes Mike's point, and reminds our listeners about the importance of adhering to a robust checklist associated with avoiding risks when it comes to property selection.

    Show notes: https://www.propertytrio.com.au/2025/09/29/climate-change-and-property/

    And registrations are open for our early 2026 LIVE session in Melbourne. Seats are limited, so don't delay! Reach out to us to reserve your place.
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    41 min
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