The Property Trio (formerly The Property Planner, Buyer and Professor) Podcast Por Cate Bakos David Johnston and Mike Mortlock arte de portada

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

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

De: Cate Bakos David Johnston and Mike Mortlock
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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!



Links to your hosts:
https://www.catebakos.com.au/
https://propertyplanning.com.au/
https://www.mcgqs.com.au/

Copyright The Property Trio Economía Finanzas Personales
Episodios
  • #334: First Home Frenzy - How the 5% Deposit Scheme Will Rock the Market & Supercharge Prices for First Home Buyers, Upgraders & Investors

    #334: First Home Frenzy - How the 5% Deposit Scheme Will Rock the Market & Supercharge Prices for First Home Buyers, Upgraders & Investors
    Nov 3 2025
    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 with just a 5% deposit and without paying Lenders Mortgage Insurance. And the ripple effects are already being felt across the country.

    🏡 What’s Changed & Why It Matters
    Mike kicks things off with the big picture: income caps are gone, price caps are up, and the government is backing loans to get first-timers into their homes sooner. Dave explains how removing income limits and lifting price ceilings, (in some cities by hundreds of thousands) effectively signals both first home buyers and investors to jump in before prices move. Cate highlights that even extremely high-income buyers now qualify; a huge shift from the previous capped system. This policy isn’t subtle. Median-value homes in major cities are suddenly on the table with just a 5% deposit, and the Trio discuss how this is set to turbocharge demand in tightly-contested price brackets.

    🔍 Lived Reality & Market Signals
    Cate shares what she’s seeing on the ground. First home buyer confidence is up and brokers are reporting a surge in FHB pre-approvals. Dave breaks down the lender variations too because even though there are 33 participating lenders, each has its own rules on how much savings buyers must contribute.

    💰 The Numbers That Matter
    Using an $800k purchase example, Cate shows just how game-changing this is: requiring only $40k instead of $160k saves years of waiting, plus buyers avoid tens of thousands in Lenders Mortgage Insurance (LMI). But beware...stamp duty can still bite hard, especially in VIC and NSW, and in some cases can even exceed the deposit. That means a 5% deposit isn’t the whole story. Buyers still need buffers and strategy.

    📈 Will This Push Prices Up?
    Short answer: yes. Treasury forecasts a modest 0.5% uplift, but independent modelling suggests growth from 3.5–6.5% in key price brackets is more likely, especially where demand is already hot. Over time, supply could catch up, but in the short term, the Trio expect competition to rise. The scheme creates opportunity, but strategy, buffers, and smart lending advice remain essential. This initiative is great for the right buyers, not a cure-all for affordability, and definitely a market-mover.

    And our gold nuggets!.....

    Cate Bakos's gold nugget: Cate reflects on the policy, and what she'd do differently. "I do like the policy, but I don't like price caps. They segment markets". Cate proposes an uncapped offering.

    Dave Johnston's gold nugget: Dave feels the policy makers could have spent more time on the scheme to have it more appropriately targeted. He uses singles without parental support as a key example of one of the categories of buyers who really need the help.

    Shownotes: https://www.propertytrio.com.au/2025/11/03/fhb-deposit-guarantee/
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    51 m
  • #333: Why Media Predictions About Crashes, Cliffs & Corrections Keep Getting It Wrong

    #333: Why Media Predictions About Crashes, Cliffs & Corrections Keep Getting It Wrong
    Oct 27 2025
    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 unpack what actually happened in the market.

    💥 The Mortgage Cliff That Wasn’t
    Remember the panic about borrowers “falling off a cliff” when fixed-rate loans expired? The Trio revisit those 2023 headlines that warned of a 63% surge in repayments and a flood of defaults. While repayments did bite, the wave of foreclosures never arrived. Borrowers used buffers, refinanced, and adapted, and instead of collapsing, home values rose nearly 9% through the year. Cate points out that strong employment and low supply were the shock absorbers that kept the market steady.

    📉 The Crash That Never Came
    When ANZ predicted a 20% house-price drop, commentators braced for disaster. Instead, the market dipped 8.4% peak-to-trough before rebounding almost the same amount within a year. Mike calls it “a blip, not a bust,” while Dave explains how migration, tight listings, and undersupply pulled prices back up faster than expected. Cate reminds listeners that “fastest fall” doesn’t mean “deepest”. Many headlines confused speed with severity.

    🏠 Distress vs Data
    The Trio also tackle repossession myths and “negative equity” scares. Bank repossessions rose 160%, but this figure rose "from virtually nothing to slightly more than nothing", according to Mike. Only around 5% of resales were loss-making by late 2024, and even at the trough, nine in ten sellers made a profit. Dave sums it up: “Australians hold for the long run, you don’t crystallise a loss if you don’t sell.”

    📊 Myths, Models & Misreads
    From 18-year-cycle theories to “foreign exodus” fears, the Trio show how simple narratives often ignore complex fundamentals. Migration, supply, and employment keep shaping the market far more than any cosmic cycle or international buyer movement. Cate reflects that property astrology might be fun at parties.... but it’s useless for planning.

    As Dave says, “Doom sells, but data wins.” The Australian property market keeps bending, never breaking, and that resilience is worth remembering the next time a headline screams catastrophe.

    And our gold nuggets!.....

    Dave Johnston's gold nugget: As Dave says, “Doom sells, but data wins.” Dave reflects on the elements that mitigate crisis in our property markets.

    Mike Mortlock's gold nugget: Mike wanted to share some resilience for people who can get scared by these types of headlines. "If you see a headline predicting a disaster, remember that Australia's proeprty market is much more rubber ball, than crystal vase."

    Cate Bakos's gold nugget: Cate reflects on the previous downturns we've had and she encourages listeners to check out the chart cited in the show notes.

    Shownotes: https://www.propertytrio.com.au/2025/10/27/media-predictions-about-crashes/
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    44 m
  • #332: Market Update September 2025 – Confidence in Price Growth Hits 15-Year High, Values Lift Nationwide & FHB Scheme Fuels the Fire

    #332: Market Update September 2025 – Confidence in Price Growth Hits 15-Year High, Values Lift Nationwide & FHB Scheme Fuels the Fire
    Oct 20 2025
    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 territory. Darwin leads the charge at 1.7% monthly growth, while Perth and Brisbane have regained strong momentum since the first rate cut in February. Hobart has just ticked into positive territory, and Dave notes we’re now deep into a broad national upswing. With three rate reductions already delivered and the chance of another early next year, the Trio remain positive about 2026.

    💬 Melbourne takes the spotlight as Cate shares insights from the ground that challenge the headline data. While median values suggest Melbourne is lagging, activity in the sub-$950K range is surging. This surge has been fuelled by the new deposit guarantee threshold and rising investor interest. The middle and lower quartiles are performing strongly, even as the top end remains subdued.

    📈 Regional markets are holding firm, led by WA, SA and Queensland, with continued investor activity in Geelong and Ballarat. Cate reports fierce competition in Victoria’s regions, a reminder that data can miss the true pace of local markets.

    🔥 Darwin dominates Cotality’s “Chart of the Month”, with double-digit growth since February, while Sydney’s blue-chip Milsons Point and Kirribilli recorded the steepest declines.

    🏠 Meanwhile, rents continue to surge, with Darwin and Hobart leading gains. Vacancy rates remain critically low — just 0.4% in Hobart and 1.8% in Melbourne — signalling an ongoing rental crisis driven by housing shortages and a struggling construction sector.

    🔨 Builder insolvencies remain high and trade shortages are worsening, pushing up costs and limiting new housing supply. As Mike notes, it’s still cheaper to buy established than build — and that gap isn’t closing soon.

    💰 Consumer sentiment has dipped, but expectations for price growth are at a 15-year high — proof that optimism (and FOMO) are alive and well. 🎧 Tune in as the Trio decode the data, share their local insights, and explore what’s next for Australia’s property market.

    Shownotes: https://www.propertytrio.com.au/2025/10/20/ep-332-september-2025-market-update/
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    52 m
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