Cate Bakos, David Johnston and Mike Mortlock
The Property Trio (formerly The Property Planner, Buyer and Professor)
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 a...
Author
Cate Bakos, David Johnston and Mike Mortlock
Category
Podcast website
Latest episode
Jul 6, 2026
Where to listen?
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Episodes
#244: Tackling Housing Affordability - Part 1 - Dissecting Proposals for Housing Innovation 12.02.2024 56:18
Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM In 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 in...
#243: Building Long-Term Wealth: Mastering Land to Asset Ratio & Paying Down Your Home Loan Vs Investing Surplus Cash Flow 05.02.2024 47:47
Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM This 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...
#242: December Market Update 2023 - How has the year closed out? 29.01.2024 48:53
Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM The 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...
#241: 2023 - The Trio’s Property Predictions - who got them right? And did we get any wrong? 22.01.2024 1:01:44
Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM Pete 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 bullis...
#240: 2024 - The Trio’s Property Predictions and Insights for the Year Ahead 15.01.2024 52:07
Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM Cate 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...
#239: Optimising Offset Accounts - Mortgage Strategies for Investors Who Have Home Loan Debt to Create Wealth & Maximise Retirement 08.01.2024 43:46
Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM This 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....
#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? 01.01.2024 51:30
Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM Happy 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 rema...
#237: The Future of Property Investment - Unlocking the Power of AI, Opportunities and Challenges 24.12.2023 45:54
Got 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 o...
#236: Market Update November 23 - A rate increase, higher listing volumes and regions are rallying 18.12.2023 56:00
Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM The 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 ne...
#235: Property Portfolio Puzzles - Unravelling the Mystery of How Investors Amass 10+ Properties 11.12.2023 41:07
Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM A 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 inn...
#234: Unveiling the Secrets of Elite Strategic Mortgage Brokers – Navigating Advice, Skills, Results, Relationships & Regulations! 04.12.2023 45:10
Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM What 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 loa...
#233: Uncovering Diverse Pathways to Buyer’s Agency, Extra Skills to Gain an Edge & On-the-Job Training 27.11.2023 52:31
Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM Cate 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...
#232: Perth Property Gold Rush - Analysing Western Australia's Property Investment Surge & Future Risks 20.11.2023 39:12
Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM Mike 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 t...
#231: Market Update October 23 - Another rate increase, retail spending is up, and here comes Black Friday! 13.11.2023 45:44
Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM The 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 hav...
#230: Equity Unleashed - Property Planning & Borrowing for Renovations & Wealth Creation 06.11.2023 49:52
Got a question for the trio? https://forms.com//form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM A 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...
#229: All Things Apartment & Units Part 2 – Secrets to Selection Success, Finding Capital Growth, Land to Asset Ratios & Other Expert Tips 30.10.2023 40:51
Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM Cate 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....
#228: All Things Apartments & Units Part 1 – From Boutique to High-Rise, Uncovering Opportunity, Oversupply & Lender Restrictions 23.10.2023 35:45
Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM The 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 s...
#227: Market Update September 23 - Eighth consecutive month of national growth, and consumer sentiment has ticked up 16.10.2023 52:35
Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM The 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 attenti...
#226: Property Planning to Unlock Financial Security: Hold or Sell Decisions Through Rising Holding Costs & Modelling for Retirement Suc 09.10.2023 46:24
Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM The Trio enjoy fielding this second question from a loyal, long time listener, Alison. Only last year, Alison reached out to ask the Trio to weigh in on a stay/move question. Alison and her daughter were living in a recent pur...
#225: Navigating the Fixed Rate Mortgage Cliff - Is It Real or Hype? Data Behind Headlines, Property Market Repercussions & Managing Risk 02.10.2023 42:58
Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM Mike 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...
#224: Breaking Into Buyer's Agency (and Other Advisory Roles) - How to Start, Survive, and Thrive 25.09.2023 45:54
Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM Today'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...
#223: Market Update Aug 2023 - Listings Jump, Who Said Rate Hikes Equal Property Declines, Capital-Regional Divide & Bad ‘Debt’ Rising 18.09.2023 51:09
Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM Now 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,...
#222: Futureproofing Your Home & Investment Portfolio – Mortgage Mastery & Property Planning Problem Solving 11.09.2023 51:59
Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM Today'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...
#221: Analysing Market Mindset – Gun-Shy Buyers, Developer Exits, Houses vs Units & Investor Concerns 04.09.2023 57:35
Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM Cate 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 a...
#220: Decoding RBA Cash Rate Adjustments: The Data Behind the Decisions, Property Market Impacts & the Puzzle of Rising Property Values 28.08.2023 58:14
Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM Cate 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 th...
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