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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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 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
  • #320: Balancing Family Dreams & Property Investment – Securing Your Financial Future While Managing Life's Big Milestones

    #320: Balancing Family Dreams & Property Investment – Securing Your Financial Future While Managing Life's Big Milestones
    Jul 28 2025
    Got a question for the trio? https://forms. .com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM

    🎙️ In this episode of the Property Trio, we tackle a fantastic listener question from James — and it sparks a really rich conversation about life stages, investment timing, and how to juggle both effectively.

    James and his fiancée are in their late 20s to early 30s. They’ve done well already: they bought their long-term home in Keysborough about 18 months ago for $950,000, using a 10% deposit. They’ve got around $820,000 owing on the loan, and they’re earning a strong combined income of between $230,000 and $250,000 a year. So far, so good. But here’s the question: with a wedding on the way, a honeymoon planned, and hopes to have two children in the next five years — should they consider investing before all of that, or wait until life settles a little and they're back to two incomes?

    It’s a great question, and the kind that gets to the heart of balancing personal milestones with long-term wealth-building.

    Cate introduces the idea of “runway” — if you’ve got a couple of decades or more ahead of you in the workforce, the earlier you start investing, the more time your asset has to grow. But that only works if you’re not financially, (or emotionally) stretched too thin in the short term. Developing your plan and considering the numners is key.

    Mike highlights that James and his partner clearly have good financial habits — they’ve already shown discipline in saving, and they’re asking all the right questions. That’s a huge asset. He also points out that whether they go ahead now or wait a few years, they’re well ahead of the curve compared to most people their age.

    The conversation also dives into how best to fund a future investment — should they use savings in their offset account, or aim to release equity? Dave breaks down why borrowing against your home, if possible, is often more tax-efficient than dipping into savings — but also flags the reality that they may not yet have enough equity to make that work without incurring LMI again.

    There’s no one-size-fits-all answer here, and that’s part of what makes this episode so valuable. The trio all agree: if the numbers stack up and the couple feels comfortable with the risk, then investing sooner is ideal. But if they need a few years to tick off life events and build equity or buffers, that’s an important path too. From cheap registry office weddings to fancy winery blowouts, the Trio are candid with their ideas and forthcoming with some great options for our listeners to consider.

    And our gold nuggets!.....

    Cate Bakos's gold nugget: While they are young, with one property in the portfolio, now is a great time to consider investing in a property plan.

    Dave Johnston's gold nugget: James and his fiancee are really good with their money! Dave encourages them to keep up that habit. Good money management habits will set them up for success.

    Mike Mortlock's gold nugget: Knowing the numbers is the key to making the decision. Without the visibility, the decision is much harder to make.

    Shownotes: https://www.propertytrio.com.au/2025/07/28/balancing-family-dreams-and-property-investment/
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    37 min
  • #319: Market Update June 2025 – Darwin Returns to 2014 Peak, Canberra’s Top End Climbs, & Listings Drop Nationwide

    #319: Market Update June 2025 – Darwin Returns to 2014 Peak, Canberra’s Top End Climbs, & Listings Drop Nationwide
    Jul 21 2025
    Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM

    In this latest market update episode, Mike and Cate go duo as Dave hits the road with his family. Despite Dave's absence, the June market update is packed with insights and trends, although we do miss the lending data from Dave in this ep.

    🏡 Capital City Highlights
    The national market edged up in June, with every capital city posting gains except Hobart (down 0.2%). Darwin led the charge with a 1.5% monthly gain across dwellings, and houses jumped 1.8%, pointing to renewed investor interest. However, only 31% of Darwin’s suburbs are at their peak – suggesting targeted activity in a few suburbs rather than widespread growth.

    📈 Unit Surge or Blip?
    Cate and Mike unpack a surprise in the data – units outperformed houses in Brisbane, the Gold Coast, and Adelaide. Is this a turning point for apartments, or just a one-month spike? Cate shares boots-on-the-ground experience from Melbourne, where yields over 5% are tempting investors back into the unit market. Affordability, lifestyle trade-offs, and post-COVID sentiment shifts are driving demand. Another key find is the stratification of sales prices in the various capital cities. This month, Canberra defies the 'norm' and exhibits stronger growth in the highest price quartile. What is going on in our nation's capital? Tune in to find out.

    💰 Rental Yields & Investor Trends
    Rental growth has steadied nationally, with gross yields at 3.7%. Darwin is the standout with 6.5% yields and regional NT pushing a massive 7.7%. Cate suggests investors may be pushing up rents post-renovation or after long-standing leases end. Meanwhile, Melbourne’s rental growth remains sluggish at just 1.2% annually – possibly a story more about the past exodus of investors than current conditions.

    📉 Listings Drop, Pressure Builds
    New listings are down 11.7% compared to last year, with Hobart and Darwin seeing declines over 30%. Cate explains why tight listings don’t always mean easy buying – buyer fear of missing out leads to irrational behaviour, and competition ramps up even when the market feels slow. She also highlights the buyer activity driving Melbourne’s numbers, even if it’s not yet obvious in CoreLogic’s top-line data.

    📊 Segmented Market Action
    The trio (duo) dive into price segmentation and why it matters. Melbourne’s heat is coming from the $600k–$800k range, particularly in suburbs like Frankston, Werribee, and Sunbury. It’s a case of high activity in lower-price markets dragging down median figures – which might explain why data lags what buyer advocates see on the ground.

    Another key find in the stratification of sales prices in the various capital cities relates to Canberra. This month, Canberra defies the 'norm' and exhibits stronger growth in the highest price quartile. What is going on in our nation's capital? Tune in to find out.

    🌏 Big Picture Forces
    They wrap up with macro themes: inflation, global uncertainty, interest rates, and shifting sentiment. The RBA’s rate pause caught many off guard, impacting buyer confidence. But with bond markets still pricing in cuts and global instability nudging investors toward bricks and mortar, the property market remains in motion.

    Lastly, Cate and Mike marvel at Darwin's growth, however they chat about the surprising percentage of suburbs within the star-capital that are yet to reach their peak for capital growth. They try to uncover what this surprising set of statistics could actually be telling us.

    Shownotes: https://www.propertytrio.com.au/?p=1735
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    48 min
  • #318: Is Negative Gearing Worth It? - The Advantages, Risks, Common Mistakes & Expert Advice for Successful Property Investing

    #318: Is Negative Gearing Worth It? - The Advantages, Risks, Common Mistakes & Expert Advice for Successful Property Investing
    Jul 14 2025
    Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM


    🎙️ In today’s deep dive, Cate, Dave, and Mike tackle one of the most hotly debated and widely misunderstood concepts in Australian property investing: negative gearing.

    💡 What is Negative Gearing?
    Cate kicks things off by asking Dave to explain negative gearing in plain English. Dave defines it as a situation where the rental income from a property is less than the expenses to hold it—meaning you’re running at a loss. This loss, however, can be claimed as a deduction against your taxable income, reducing your annual tax bill. Dave breaks it down with an example that shows how an investor on a $150,000 salary could claim a $10,000 property loss and receive a $3,700 tax refund.

    🧾 What Expenses Are Deductible?
    Cate turns to Mike for a breakdown of what costs are deductible. From loan interest and council rates to insurance, advertising, and repairs, Mike lays out the most common deductions. He also covers longer-term deductions like capital works and depreciation, explaining how investors can claim on both building structure and assets like appliances. Borrowing costs are also covered, which can be claimed over five years.

    📉 Is This Just a Property Loophole?
    Cate challenges the idea that property investors are uniquely advantaged. Dave clarifies that negative gearing applies across asset classes, including shares and businesses. Far from being a loophole for the mega-rich, data from the ATO shows that most property investors are regular Australians—with 71% owning just one property. Cate and Dave stress that negative gearing supports the private rental market, filling a gap that government housing can’t meet.

    📈 Why Lose Money?
    Why would anyone invest in something that loses money? Mike explains that negative gearing is often a long-term strategy, with investors betting on future capital and rental growth. Over time, rents rise and loans reduce, leading to positive cash flow. Dave notes that this typically takes 5–10 years and depends on factors like yield, interest rates, and location.

    🚫 Common Mistakes & Misconceptions
    Dave warns against chasing tax deductions without regard for asset quality. Properties promoted as "cheap to hold" often underperform in the long term. Mike cautions against buying from spruikers and highlights the risk of investing in areas with high yields but poor growth prospects. ⚖️ Positive vs. Negative Gearing
    While positive gearing sounds appealing, Dave and Mike explain that it’s not always feasible—especially in today’s market with rising interest rates and low rental yields. Cate highlights that high-yielding properties are often found in low-growth areas, which may not be the best choice for building wealth.ity — offering practical insights to reduce friction and risk in the finance process.

    ....and our gold nuggets!


    Mike Mortlock's gold nugget: Mike considers the benefit of cashflow versus capital growth, and highlights that the best investors are the ones who are focused on long term capital growth.

    David Johnston's gold nugget: Investing requires long term thinking and investors are encouraged not to chase shortcuts. Understanding how the numbers change over time and utilising negative gearing as a tool is critical. But tax deductions are a benefit, not a reason to invest.

    Cate Bakos's gold nugget: A high land to asset ratio can go hand in hand with great capital growth. High tax depreciation opposes land to asset ratio though. There is a correlation!

    Show notes: https://www.propertytrio.com.au/2025/07/14/negative-gearing-is-it-worth-it/
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    47 min

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