That Backyard Property Podcast

Book a consult with Michael: https://calendly.com/d/cwrg-969-cjc One in seven borrowers at the big banks has no buffer at all, and the Big Four are lifting variable rates again. In this episode, Michael Killiner breaks down why the RBA's move to 4.85% hurts more than the 2008 rises, even though rates were higher back then. He looks at who is actually falling behind, what the money markets and...

Book a consult with Michael : https://calendly.com/d/cwrg-969-cjc Two thousand buyers, 200 villas, and everything gone in two hours. That is a normal launch day in Dubai, and it is where Ryan Smith is taking White Fox next. In this episode, Michael Killiner sits down with Ryan Smith, founder of White Fox Perth and co-director of White Fox Dubai, to unpack the leap from Perth agent to Dubai real es...

Book a consult with Michael: https://calendly.com/d/cwrg-969-cjc One of Perth's biggest builders has around 100 homes sitting idle waiting on bricks, not money, while developers who borrowed at 8% six months ago are now being quoted 11 to 12%. In this solo mini, Michael Killiner explains why a squeeze on both materials and finance is shaping Perth's supply, rents and build times for years,...

Book a consult with Michael: https://calendly.com/d/cwrg-969-cjc One bank might lend you $600,000 while another lends $720,000 on the exact same finances, and that gap can decide which property you end up owning. In this episode, Michael sits down with Brett Foster, mortgage broker at MoneyQuest, to unpack how lending really works for investors, upgraders and first home buyers in the current Perth...

Book a consult with Michael: https://calendly.com/d/cwrg-969-cjc 97% of capital city suburbs lost value over the last three months, yet Perth's median house price is still up 17.7% on a year ago. Both are true, and reading the wrong one could cost buyers tens of thousands. In this mini, Michael Killiner explains where the market stood at the end of September and where he thinks it is heading. Mich...

Book a consult with Michael: https://calendly.com/d/cwrg-969-cjc Last week, Perth agent Shane Beaumont had four appraisals come in below what the owners paid, a first for him. In this episode, Michael Killiner sits down with Shane, Director at Haiven Property, to ask whether investors who bought in the last four years should sell, hold or ride it out. Shane unpacks why he expects Perth to keep sof...

Book a consult with Michael: https://calendly.com/d/cwrg-969-cjc The Reserve Bank has not decided yet, but the market odds of a Melbourne Cup Day hike just jumped from 27% to 41%. In this mini episode, Michael Killiner reads the bond market before the RBA speaks and gives his call on whether rates rise again on 3 November. Michael explains how bond yields set your fixed rate, why the US 10-year ab...

Book a consult with Michael: https://calendly.com/d/cwrg-969-cjc Most people waiting to buy at the bottom never get into the market at all. In this episode, Michael sits down with Ravi Sharma, founder of Search Property buyer's agency and host of the Personal Finance with Ravi Sharma YouTube channel, who amassed 13 properties before he turned 28. Ravi opens up on how becoming a dad has made him a...

Perth home values are down 3.2% from their April peak, but still up 15.6% on a year ago. In this mini episode, Michael Killiner breaks down how existing owners should decide whether to keep, sell or restructure: the marginal buyer question, how to sell well in a market with more stock, and the loan levers that often matter more than your rate, from resetting your loan term and checking your valuat...

Days on market in Perth have blown out from 8 days to 21, and sellers are still pricing like it is last year. In this episode, Michael Killiner sits down with Rowen Powell, Director of Verve Buyers Agency, to ask where the Perth market really sits right now and whether we will look back and wish we had bought more property. Rowen unpacks over 7,000 listings, why a 3.7% pullback needs context after...

A median priced Perth investment house now costs around $750 a week to hold, and from 1 July 2027 you can no longer use that loss to cut the tax on your salary. In this mini episode, Michael Killiner works through what the budget really means for anyone thinking about buying their first investment property. Michael runs the numbers on a $980,000 Perth house, from the interest bill to the rent comi...

Treasury says the budget's tax changes will add just $2 a week to rents. The property industry says something completely different. In this episode, Michael Killiner sits down with Bree Ridge-Singh, Director of Property Management at Ray White Dalkeith, Claremont and Fremantle, to cut through the media noise and explain what's really happening on the ground in Perth's rental market. Wi...

First home buyers have never had more help: a 5% deposit scheme with no income test, no stamp duty in WA up to $600K, and the investors who used to outbid you stepping back after the budget. But it's all arriving in a falling market. In this mini episode, Michael breaks down the one question to ask before any scheme, runs the real rent versus buy numbers on a Perth villa, and gives his honest...

The RBA just lifted the cash rate to 4.6%, the fourth rise this year, and it did it five days after the job numbers came in soft. In this mini episode, Michael breaks down why the RBA hiked into a cooling labour market, why inflation still won't budge, and what an extra $380 a month really means for a Perth household with a mortgage. 🔔 Subscribe and leave a comment with your questions -- we b...

Michael Killiner sits down with Michael McGowan, Executive Director of Housing Industry Association of WA, for one of the most in-depth conversations we've had on what's really driving Perth's housing crisis. With 50,000 to 60,000 new residents arriving in WA every year and only around 20,000 homes being completed, the supply gap is real, structural, and widening. Michael McGowan unpac...

Every major Australian property crash, from the 1890s to the early 1990s, had one thing in common, and it wasn't too many houses. In this mini episode, Michael unpacks why credit is the real engine behind property prices, and how you can watch it playing out in the market right now. 🔔 Subscribe and leave a comment with your questions -- we build episodes around what YOU want to know. General...

His business bank account once dropped to 17 cents, and he owns five properties but still rents the family home. In this episode, Michael sits down with radio broadcaster turned podcast studio founder Angus O'Loughlin to talk property, ego, business growth and the honest tug of war between building wealth for later and buying back time with his kids now. 🔔 Subscribe and leave a comment with y...

A $3.4 billion developer just collapsed, leaving 2,500 half-built homes and 1,000 subcontractors hanging. In this solo mini episode, Michael breaks down what really brought Bathla down, and the one question it should change about how you buy your next investment property. 🔔 Subscribe and leave a comment with your questions -- we build episodes around what YOU want to know. General advice only and...

She built a $15 million property portfolio and says the one word that should make you run from any buyer's agent is "guarantee." In this episode, Michael sits down with Dawn Fouhy, co-founder of Future Proof Property Advisory and REB Buyer's Agent of the Year, to unpack why Melbourne could be the next Perth, when to sell, and how to spot the marketing machines dressed up as buyer...

Three weeks ago, all four big banks were tipping rate cuts. Today the last holdout flipped: every one of the big four now says the next move is up. In this solo mini, Michael fact-checks the banks' track record and explains why the fixed-rate desks are quietly telling a different story. 🔔 Subscribe and leave a comment with your questions -- we build episodes around what YOU want to know. Gene...

Australia has hit a trillion-dollar debt level, and the tax office is now owed around 65 billion dollars. In this episode, Michael sits down with Pas Princi, tax specialist and Group Managing Partner of SEER Financial Group, to unpack the tax system nobody in power seems willing to fix. 🔔 Subscribe & leave a comment with your questions — we build episodes around what YOU want to know. General...

Three rate rises this year, and yet arrears are still low and the banks say everything is fine. In this mini episode, Michael breaks down what those headline numbers are hiding: the offset and redraw buffers Australian households spent years building, and why the fact they are quietly shrinking is the real signal to watch. 🔔 Subscribe and leave a comment with your questions -- we build episodes a...

Daniel Paton says renting for 18 months while you build can quietly cost you $150,000 in after tax money and hidden opportunity cost, and most people don't realise it until they're halfway through the build. In this episode, Michael sits down with Daniel Paton, founder of Developed and WA's only dual qualified town planner and surveyor, to unpack the R Codes, granny flats, modular cons...

Higher-value homes fell more than 3% last quarter, yet not a single cent left anyone's bank account. So why does a lower valuation hurt so much? In this episode, Michael breaks down the wealth effect, why falling property values mess with your head, and the one question that actually matters before you make any decision. 🔔 Subscribe & leave a comment with your questions, we build episodes...

Do nothing clever with an $800,000 home loan and you'll pay back $1.73 million: over $900,000 in interest alone. In this episode, Michael breaks down the real mechanics of killing your mortgage faster, from offset and redraw to the one strategy the budget left standing. 🔔 Subscribe & leave a comment with your questions, we build episodes around what YOU want to know. General advice only a...