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

In this episode of The Property Trio Podcast, Dave hosts the annual Predictions episode. Part two of a two-part series, the Trio share their predictions on interest rates, possible threats, government intervention, supply and rental markets! The Property Trio is:  David Johnston, Mortgage Broker - Managing Director of Property Planning Australia  https://propertyplanning.com.au/    Cate Bakos, Buy...

In this episode of The Property Trio Podcast, Dave hosts the annual Predictions episode. Part one of a two-part series, the Trio share their predictions on growth, markets, rents, investor numbers and more. It's one episode that is not to be missed! The Property Trio is:  David Johnston, Mortgage Broker - Managing Director of Property Planning Australia  https://propertyplanning.com.au/    Cate Ba...

In this episode of The Property Trio Podcast, Cate hosts a listener questions episode featuring the mortgage questions borrowers ask most often. Inspired by a listener question from Callum, the Trio open the vault on borrowing capacity, rental income treatment, interest-only strategies, and the tax traps that can quietly cost property owners hundreds of thousands over time. Wishing our listeners a...

In this episode, The Trio explore how to identify serious competitors, read buyer behaviour, understand market forces, and apply smart tactics to gain an edge in both auctions and private sales. Wishing our loyal listeners a safe and joyous festive season! The Property Trio is:  David Johnston, Mortgage Broker - Managing Director of Property Planning Australia  https://propertyplanning.com.au/   ...

🎧 In this month’s Property Trio market update, Mike, Cate, and Dave unpack the latest November market figures. Perth continues to surge, gaining pace this month with a 2.4% lift, and investor lending hits record highs, prompting APRA to potentially apply changes. National prices rise more than one per cent for the third month running, and the Trio talk about the uplift in rental growth that has s...

This episode busts the biggest mortgage myths costing borrowers money. Mike, Cate and Dave unpack why the lowest rate isn’t always best, how repayment strategy affects future tax deductions, why borrowing capacity varies by lender, the truth about maternity-leave lending, and why bank loyalty rarely pays. The Property Trio is:  David Johnston, Mortgage Broker - Managing Director of Property Planni...

This episode unpacks the adoption of AI for use in property analysis, due diligence, and decision-making. AI is transforming property research, but the Trio reveal its limits. AI can be great for summaries, but is often poor with data accuracy. It can be useful for ideas, yet dangerous for decisions. Cate, Dave and Mike recommend that AI users always verify numbers and rely on expert judgement whe...

This episode unpacks the myth of “unlimited borrowing” through multiple trust structures. Cate, Dave, and Mike explain why lenders look through trusts to the borrower, meaning all debts are still counted. They cover higher costs, tougher lending policies, and land tax pitfalls. Trusts offer asset protection, not extra borrowing capacity....So investors must seek proper legal, tax, and lending advi...

Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM 🎧In this month’s Property Trio market update, Mike, Cate, and Dave unpack the latest October market figures... and there are some interesting stats to discuss 📊  💥 Nationally, growth is still positive for every single capit...

Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM In this week’s episode, the Trio tackle a serious issue..... Underquoting. It frustrates buyers, skews listing information, and undermines trust. In this fiery episode, Dave, Cate, and Mike unpack what underquoting really is,...

Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM In this week’s episode, the Trio unpack one of the most impactful housing policy changes we’ve seen in years: the expansion of the Home Guarantee Scheme. As of 1 October, eligible first home buyers can now enter the market wit...

Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM This week, Mike, Cate and Dave take a data-driven look at the property predictions that missed the mark. From mortgage cliffs to phantom crashes, the Trio revisit some of the biggest doomsday headlines of recent years and unpa...

  Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM In this month’s Property Trio market update, Mike, Cate, and Dave unpack the latest September market figures — and there’s a lot to cover! 📊  💥 Nationally, growth is back on track, with all capital cities in positive terri...

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 Stor...

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 insight...

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 t...

Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM 🎙️This week on The Property Trio, Cate and Dave field two great listener questions. Max, a young investor weighing his options for a second property asks: Should I buy now at 90% LVR and pay lenders mortgage insurance (LMI), o...

Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM In this latest market update episode, the Trio unpack the findings in the August data, and they reflect on the cash rate cut and how 2025's third cash rate cut has impacted the early spring market. 🏡 The Property Trio: Market...

Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM 🎙️ In this episode of The Property Trio, Dave Johnston, Cate Bakos, and Mike Mortlock unpack a fantastic listener question from Jade about granny flats in Melbourne. With her mum considering upsizing and building a $250,000 gr...

Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM 🎙️ In this eye-opening episode, Dave, Cate and Mike dig into brand-new research on housing affordability from MCG Quantity Surveyors. But instead of looking at mortgage repayments, this report flips the focus to deposits — an...

Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM 🎙️ Should I Build or Hold? A Listener’s Dilemma with a Vacant Block in Tasmania In this week’s episode of The Property Trio, we tackle a thoughtful listener question from Lauren, who finds herself at a crossroads with her prop...

Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM In this latest market update episode, the Trio unpack the findings in the July data, and they reflect on the recent cash rate cut and what this could mean for the market. 🏡 Capital City Highlights Darwin leads the chase by a...

Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM 🎙In this episode, Dave is joined by Cate and Mike to tackle two common traps for investors: over-reliance on suburb-level data and the temptation of “bargains” in the bottom quartile of property prices. 💸 Cate kicks things of...

Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM 🎙️ In this data-rich episode of The Property Trio, Cate and Mike dive deep into the just-released 2022–23 ATO Tax Stats. From personal income and superannuation to rental property outcomes and tax quirks, this episode sheds li...

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...