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

De: Cate Bakos David Johnston and Mike Mortlock
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  • Resumen

  • 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!
    Copyright The Property Trio
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Economía Finanzas Personales
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Episodios
  • #300: A Deep Dive into Market Movements Over 6 Years & 300 Episodes - How This Compares to the Last Decade & What Lies Ahead

    #300: A Deep Dive into Market Movements Over 6 Years & 300 Episodes - How This Compares to the Last Decade & What Lies Ahead
    Mar 10 2025
    Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM


    Dave hosts our 300th show today, and it's a particularly special episode because we commemorate Mike's 100th episode in the Trio. What's changed in the data, the economy and the Australian property market since we started recording together?

    They recall the impact of COVID on the studio and the recording setup too. The first statistic that Dave shares is quite startling. Australian residential real estate has grown from $6.95 trillion dollars to over $11 trillion dollars.

    Mike recalls some of the events over the last six years, from recession to home builder initiatives, to COVID and the frightening property forecasts that were thrown around.... and not to mention the toilet paper supply chain debacle.

    Capital city versus regional city performance is noteworthy. Cate reflects on the pattern that emerged over the recent national market downturns. Post-COVID is an interesting period because the regions have continued to outperform.

    Rental growth over the last five years has outstripped recent historical levels. The Trio step through some of the contributing economic, legislative and social factors that contributed to this. They also consider the impact on rental yields across the nation.

    Mike recalls the 33% increase in the material price inputs, global supply chain woes and he cites the Freightos Baltic index peaks during the latter stages of COVID. The construction industry remains the highest for insolvencies in the country though, and Mike considers the impact on the government's housing accord targets. And Mike shares some interesting data on domestic renovations.

    Cate considers the impact of the trade shortage on the market conditions for the various market segments, and she notes the two speed market for renovated vs unrenovated products.

    The Trio chat about the cash rate moves over this period and some of the unprecedented changes that resulted and Dave sheds light on some of the fixed rate trends he's observed, including an insight into buyer behaviours.

    Referencing the new lending for investment purposes chart; "This chart is a perfect reflection of credit policy!", Cate says. Dave walks our listeners through some of the historical interventions into credit supply, and how this has impacted our markets over the years.

    Thank you to our listeners. We've loved recording these last 300 episodes for you!

    Show notes: https://www.propertytrio.com.au/2025/03/10/300th-episode/
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    55 m
  • #299: Maximising Wealth in Retirement – When to Divest Properties and Retire Debt to Achieve Lasting Financial Security

    #299: Maximising Wealth in Retirement – When to Divest Properties and Retire Debt to Achieve Lasting Financial Security
    Mar 3 2025
    Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM

    Cate hosts today's show and she opens the conversation Kim's listener question as follows.

    "I would love to hear more about what to do with property portfolios for those nearing retirement. Do we transfer to our kids, sell some off or live on the rent and sell off when we are really old?" But as Dave points out, this is quite a big question, and not one that can be answered in under a minute. The critical question to ponder is whether the plan aligns with an investor's retirement goals. Determining when an investor has acquired enough property to cease the acquisition phase is something that can only be done well when the plan is clear, and takes into account all steps from accumulation through to retirement. From timing to risk profile, tax implications and projected rental incomes and values, and knowing who to turn to for advice, there is much to cover in answering this question. And that's not to mention the family home!

    What are the various options for investors holding property once they reach retirement? Mike walks our listeners through seven different approaches, and there are no right or wrong options.

    The Trio talk about the pros and cons of handing property down to our children. Cate touches on bequests and philanthropic opportunities, including a wonderful story about a home in Melbourne's inner north that was donated to a local charity.

    Selling some vs holding all.... Dave talks through the complexity of each option, and the benefits of holding for as long as possible. "Just because you've hit retirement, it doesn't mean you need to sell." Maintenance, trades and the challenges of holding properties into retirement are serious considerations though. The Trio discuss the ways that investors can approach divesting once the decision to sell has been made.

    When is property investing not a good idea? Cate talks about the mistake that some investors make when they leave investing too late in life. Once a property acquisition gets between an investor and their retirement plans, the aspiration can become a nightmare.

    And lastly, Dave steps our listeners through the task of gathering our professionals in our corner. From selecting the right people, to discussing their retirement plans and lifestyle dreams with our advisors, it is abundantly clear that having a clear and documented plan is essential.

    .... and our gold nuggets!

    Cate's gold nugget: Rather than helping their kids, (who may not need help), how could investors help their grandchildren?

    Dave's gold nugget: Dave recommends investors sit down with an expert and properly model out their plan. Working through planning with a financial planner, including retirement and beyond (including estate planning) is important. The nuances associated with transition into retirement are enormous and they deserve professional advice.

    Mike's gold nugget: There are so many combinations and possibilities for investors to consider, but Mike recommends some strategic modelling for investors to optimise their opportunities.

    Show notes: https://www.propertytrio.com.au/2025/03/03/approachig-retirement-listener-question/
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    31 m
  • #298: Is Melbourne’s Property Market About to Turn? A Data-Driven Look at What’s Next

    #298: Is Melbourne’s Property Market About to Turn? A Data-Driven Look at What’s Next
    Feb 24 2025
    Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM


    Cate hosts today's show and she opens the conversation with the most recent interest rate cut. What could it mean for the property market? And will we see consecutive cuts in the short-term?

    Dave shares his perspective on Melbourne's anaemic property performance and he contrasts this miserable growth against some of the other capital cities. Looking at 10 years of data shows the following:
    • Melbourne, in contrast to other cities, experienced most of its growth pre-2020, with very little price appreciation in recent years.
    • Perth, Brisbane and Adelaide have seen the vast majority of their price appreciation occur from 2020 onwards.
    • Adelaide and Brisbane have been the major out-performers over the past decade.
    • Sydney saw strong growth pre-2020 and has since experienced more moderate gains since.
    Key indicators for Melbourne being at a turning point are interesting, and Mike chats about rental yields, and relative affordability, but what do the Trio think about the adoption of the mean reversion theory?

    Cate shares her thoughts about Melbourne's strengthening yield and in particular, the reason for the decay of rental stock over recent years. There is no doubt about it, rental yields play an important role in investor decision-making.

    Home Buyer sentiment is another important key indicator, and this has jumped recently in Victoria. This has been in stark contrast to Perth, Brisbane and Adelaide where it has fallen significantly.

    The Westpac Melbourne Institute Consumer Sentiment Survey “time to buy a dwelling” index nationally reached 89.9 in January, its highest level in nearly three years. Sentiment counts for a lot, but as Mike points out, "Sentiment is a tricky thing". Can large waves of buyer's agents skew a market? Can an artificial environment drive price movement when a disproportionate number of buyers agents all compete? Cate talks about the scenarios where this may be the case, but she feels that owner-occupiers are more likely to move markets. Fear of missing out is a genuine concern for many prospective upgraders and first homebuyers.

    How have Melbourne’s median property values changed over the past few years, and what does this tell us about where the market is headed? Dave leads our listeners through some great contrasts between capital cities. Intrastate migration has played a role too.

    Mike touches on dwelling value to income ratios and the Trio consider the pull of affordability and job opportunity in other cities, both regional and capital.

    Is now a good time for investors and homebuyers to consider Melbourne? Tune in to find out!

    .... and our gold nuggets!

    Mike's gold nugget: In a sea of positive data points, the sentiment remains the interesting one to follow. Mike feels this will become a more robust indicator of price growth.

    Dave's gold nugget: Dave maintains that 2026 is going to be the year for Melbourne! But he reminds listeners that they should make the right decisions based on what is right for their own personal economy.

    Cate's gold nugget: League ladders change all the time. There is no fixed order for performance of cities and history has shown us how this has alternated over the years.

    Show notes: https://www.propertytrio.com.au/2025/02/24/is-melbourne-about-to-turn/
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    54 m

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