Cate Bakos, David Johnston and Mike Mortlock

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

Business EN ↓ 371 episodes

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

Episodes

#196: When property and money decisions upset relationships, and how to navigate the path to success – Part 2 13.03.2023 44:05

Got a question for the trio? https://zfmz.com/uLtjhyBskV96PYeJfal Show Shownotes: https://propertyplanning.com.au/when-property-and-money-decisions-upset-relationships-part-2-ep-196/ Dave's market update is a special one - he has been in the mortgage industry for over twenty years and his mortgage intel is always exciting. One lender has re-introduced negative gearing into their serviceability cal...

# 195: Market update Feb 2023 – The rate of price falls is slowing! But what's happening in Hobart and Canberra? 06.03.2023 49:13

Got a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaI Show notes: https://propertyplanning.com.au/market-update-feb-2023-ep-195/ 1. Price falls are substantially lower this month, compared to last month February saw even more of a slowdown in the rate of price decline, and interestingly, Sydney's positive price movement of +0.3% in February carried the national and combined capital...

#194: When property and money decisions upset relationships, and how to navigate the path to success – Part 1 27.02.2023 38:09

Got a question for the trio? https://zfmz.com/uLtjhyBskV96PYeJfal Show notes: https://propertyplanning.com.au/when-property-and-money-decisions-upset-relationships-part-1-ep-194/ The trio make a bitter-sweet announcement at the beginning of the show. Pete is leaving the podcast to enjoy his semi-retirement, and while Dave and Cate are excited for Pete, they are pretty sad to be saying goodbye to P...

#193: Listener questions - will property continue growing at 7% pa on average? Analysing rate cycles, population growth, increases in wealth 20.02.2023 41:59

Got a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaI In this week’s episode, Dave, Cate and Pete answer two great listener questions; one is as the title describes, and the trio address growth drivers, assumptions and some of the things that don't always correlate with property price growth in the way that people expect them to. 1. A great question from Phil about historical avera...

#192: Market update Jan 2023 - Tight listing supply is creating a few buyer challenges! 13.02.2023 41:46

Got a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaI 1. Nationally a 1% median price reduction was our smallest rate of decline since June last year All falls for capital cities were also less than their falls last year – an interesting observation considering the unwelcome December rate increase. 2. Melbourne’s median value may fall to below the pre-pandemic level in the coming m...

#191: Risk Management and the things that can go wrong when mortgage strategy is ineffective 06.02.2023 41:35

Got a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaI https://propertyplanning.com.au/propertyplannerbuyerprofessor/ In this week’s episode, Dave, Cate and Pete cover some of their best tips for managing risk. Tune in to hear why mortgage strategy underpins this, and what can go wrong when mortgage strategy is ineffective ... 1. Seeking the help of a strategic mortgage broker. Dav...

#190: The admin, paperwork and responsibility of running an investment portfolio 30.01.2023 44:46

Got a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaI https://propertyplanning.com.au/propertyplannerbuyerprofessor/ 1. Pete and Cate shed some light on how they each manage the administrative tasks for their retrospective portfolios. And listeners may get some good ideas when they hear how these two investors segment the tasks. 2. Each share the tools and programs they use. Nothin...

#189: 2022 Review and 2023 Predictions - What did we get right? And what did we not predict? 23.01.2023 39:38

In this week’s episode, Dave, Cate and Pete take you through their 2023 predictions, but they also review their 2022 forecasts. Tune in to find out... 1. What will the market do? It seems the trio were optimistic in their predictions for 2023, but Cate did add a little disclaimer stating "providing no shocks to the market". It appears that imminent interest rate rises were not easily predicted by...

#188: Market Update December 2022 - Rents are still climbing, and increased net migration now poses a new threat to rental supply 16.01.2023 40:10

Got a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaI https://propertyplanning.com.au/propertyplannerbuyerprofessor/ 1. Continued positive signs as home value index results show rate of decline slows Like November data exhibited, dwelling values’ rate of decline is still slowing in all cities except Brisbane and Hobart, but our national decline is not as severe as the media would h...

#187: Common terms and acronyms Part 2 – From EOI's to deposit bonds, we unpack them all! 09.01.2023 33:40

Got a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaI https://propertyplanning.com.au/propertyplannerbuyerprofessor/ In this week’s episode, Dave, Cate and Pete return to deliver part two of acronyms and terms. They will take you through: Standard variable rate (SVR), Rate lock fees, P&I, I/O, Owner-occupier lending and EFT. Dave talks us through these terms and highlights a fe...

#186: Common terms and acronyms Part 1 – From ROI to VOI, we unpack them all! 02.01.2023 39:32

Got a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaI https://propertyplanning.com.au/propertyplannerbuyerprofessor/ In this week’s episode, Dave, Cate and Pete take you through: The difference between ROI (return on investment) and ROE (return on equity). Pete explains this critical differential and he and Dave highlight the sheer power of leveraging with a simple example. Our Pro...

#185: Listener questions - Buyer's agents who are "free", equity use, build replacement costs and a great beachside dilemma 26.12.2022 40:49

Got a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaI https://propertyplanning.com.au/propertyplannerbuyerprofessor/ In this week’s episode, Dave, Cate and Pete take you through: 1. Our first listener question is a bit of a terrifying one. Charlotte is looking to buy her first home next year and asked the trio if it is normal for a selling agent to offer a 'free' buyer's agent who...

#184: Interest only vs Principal & Interest – Why working through the different considerations could add millions to your nest egg at retire 19.12.2022 43:17

Got a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaI https://propertyplanning.com.au/propertyplannerbuyerprofessor/ Pete kicks off this week’s market update circles in on the fact that the 'top end of the market' is the fastest falling segment. As he points out, it's the highest 25% of property that is dropping in value the most. Generally in a downturn, it's led by the more expen...

#183: Market update Nov 2022 – Rents are still climbing, stock supply is tight, and bond yields have softened! (Ep.183) 12.12.2022 45:05

Got a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaI https://propertyplanning.com.au/propertyplannerbuyerprofessor/ In this week’s market update episode, Dave, Cate and Pete take you through: Continued positive signs as home value index results show rate of decline slows Rents are still climbing in many cities, and while house asking rents have slowed somewhat, the rate of growth...

#182: Pets and rentals… the good, the bad and the scary 05.12.2022 49:23

Got a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaI https://propertyplanning.com.au/propertyplannerbuyerprofessor/ In this week’s episode, Dave, Cate and Pete take you through: Pet stats! Legislation confusion? The trio uncover legislation around pets and rental properties, and just how dramatically the states and territories differ. What is our biggest fear? Pete leads the taskf...

#181: First Home vs Forever Home; Dream Home vs Investment – What are the trade-offs and key considerations? 28.11.2022 47:27

Got a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaI https://propertyplanning.com.au/propertyplannerbuyerprofessor/ In this week's episode Dave, Cate and Pete take you through: 1. Market updates – comparing Australian property and Abu Dhabi’s property differences, NSW first home buyer optional stamp duty is now live! And Crypto currency risk bounces back onto the market update pla...

#180: Listener questions - Is electing a higher priced A-grade property a formula for disappointment long-term? What do you do with an under 21.11.2022 31:45

Got a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaI https://propertyplanning.com.au/propertyplannerbuyerprofessor/ In this week's episode Dave, Cate and Pete take you through: 1. Our first listener question, which is an intriguing one. Our seasoned investor lifts the lid on some of the aspects of asset selection in relation to pinpointing outperformance capital growth. 2. Blue ch...

#179: Market update Oct 2022 – Regions fall faster than capitals, more pain for renters as yields catch up & construction finance drops off 14.11.2022 47:06

Got a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaI https://propertyplanning.com.au/propertyplannerbuyerprofessor/ In this week's episode Dave, Cate and Pete take you through: Positive signs as home value index results show rate of decline slows Rental market continues to struggle as increasing rents continue, particularly for units Spring listings still slow, bucking typical sea...

#178: Property Planning Case Study #7 – Can we keep our two existing properties, purchase our long-term home, start a family, and still reti 07.11.2022 34:24

Got a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaI https://propertyplanning.com.au/propertyplannerbuyerprofessor/ In this week's episode Dave, Cate and Pete take you through: 1. The conundrum– Can we purchase the long-term home without selling any of our properties and retire in 20 years relying on passive income? This case study follows the journey of Andrew and Bec, podcast li...

#177: The best advice from our own journeys 31.10.2022 42:38

Got a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaI https://propertyplanning.com.au/propertyplannerbuyerprofessor/ In this week's episode Dave, Cate and Pete take you through: Market update 1. Beware of changing borrowing capacity when on the property hunt With monthly cash rate increases, borrowing capacity has been slowly dwindling as lenders update their affordability calculat...

#176: Amenities - Which are important and how important are they as an investor vs when buying your own home 24.10.2022 43:57

Got a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaI https://propertyplanning.com.au/propertyplannerbuyerprofessor/ In this week's episode Dave, Cate and Pete take you through: Market updates 1. Correlating listings and property prices – watch this space The Property Professor shares research that he will be conducting on the relationship between listings and property prices. From...

#175: Market update Sep 2022 - Green shoots emerging? Price falls decelerate, auction clearances up, consumer sentiment improves & rates ris 17.10.2022 42:01

Got a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaI https://propertyplanning.com.au/propertyplannerbuyerprofessor/ In this week's episode Dave, Cate and Pete take you through: 1 Property market falls decelerate over September For the first month, the rate of price decline has decelerated, which may be an early sign that the market has passed through the worst of monthly falls. Ot...

#174: Listener Questions – Bought off the plan- my situation, rates & the market is worse, I need the FHOG, but moved in with my partner, he 10.10.2022 47:47

Got a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaI https://propertyplanning.com.au/propertyplannerbuyerprofessor/ In this week's episode Dave, Cate and Pete take you through: 1. Listener questions This episode is dedicated to answering questions we’ve received from our listeners. If you’ve got a burning question that you’d like to ask the trio, submit your question online here....

#173: Property Planning Case Study #6 – Listener scenario on the property planning platform! Can we retire in 8 years & live off our portfol 03.10.2022 45:10

Got a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaI https://propertyplanning.com.au/propertyplannerbuyerprofessor/ In this week's episode Dave, Cate and Pete take you through: 1. The conundrum – can we stop work and live off our portfolio before we reach preservation age? This case study follows the journey of Craig and Jane, podcast listeners in their mid-forties who submitted t...

#172: The Top 7 things property buyers get wrong – Part 2 26.09.2022 55:15

Got a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaI https://propertyplanning.com.au/propertyplannerbuyerprofessor/ In this week's episode Dave, Cate and Pete take you through: Market update 1. How the different sectors of the market react to price movements Pete shares with you how the most expensive, middle and lowest sectors of the market in both capitals and regional centres r...