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

著者： 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!
    Copyright The Property Trio
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あらすじ・解説

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
個人ファイナンス 経済学
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  • #297: Market Update Jan 25 – Markets Brace for RBA Rate Decision, Is Perth’s Boom Over, Rental Pressures Ease & City Folk Flock to Regions

    #297: Market Update Jan 25 – Markets Brace for RBA Rate Decision, Is Perth’s Boom Over, Rental Pressures Ease & City Folk Flock to Regions
    2025/02/17
    Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM

    This week, Mike hosts the monthly market update and kicks off with a segment about Darwin. But, as Cate states, data points don't make a trend line. Darwin's recent performance may be noteworthy, but historical data suggests that Darwin's median property price is still less than what it was a decade ago.

    And while talking data, Mike promises our listeners some exciting data on mean reversion, (specifically in relation to Melbourne).... stay tuned!

    The Trio unpack the January indices.... is Perth's growth slowing? Melbourne and Sydney's negative median price movement is evident in the data, but does this correlate to what is happening at the coal face.

    Cate discusses the month of January, and the challenges that January's data brings. This sunny month is not typically a high-activity month for property, but what is different about 2025? Speculation about interest rate cuts is potentially fuelling some markets, and the Trio are keeping a keen eye on Melbourne's possible change in sentiment.

    The combined regions outperformed the combined capitals both quarterly and annually. The Trio unpack some of the reasons why this has occurred of late, and why this may be an ongoing trend.

    Rental rates have certainly slowed, and as the rolling annual averages rolls through, it's evident that some cities are no longer applying rental increases currently. Adelaide seems to still be leading the chase, but there is no doubt that the heady days of post-COVID have eased in relation to rental increases. Cate ponders the newsfeed changes too. Daily news about housing affordability has subsided notably.

    Rental yields are climbing, but with interest rates sitting above 6%pa,, cashflow neutral still remains elusive. Are buyers still searching for positive cashflow property? The Trio talk about the viability of this, as well as the challenges.

    The Westpac consumer sentiment data illustrates what the Trio are experiencing at their individual coal faces. From House price expectations to Time to buy a dwelling, and in particular, Interest rate expectations, the metrics suggest there is a change in the air. Cate says, "The data shows that there is a renewed sense of hope that we'll have easing rates, and an expectation that this will correlate with rising house prices." Mike makes the point that Australians indulging in travel has played a strong part in our economic outlook too.

    ANZ Roy Morgan's consumer sentiment chart is a bonus for our listeners and we've popped it in our show notes. The impact of economic and environmental challenges is not lost on the Trio and the chart illustrates consumer sentiment reactions to challenges such as bushfires and various lockdowns.

    The conversation around tariffs and US politics is not one that can be avoided. How will our resource-rich property markets respond to some of the recent news from America?

    One of the burning discussions is about interest rates. Dave chats about some of the key considerations that the RBA apply when determining whether to move rates. Low unemployment, productivity, currency challenges and inflation are just some of the key items that are being watched.

    And the last conversation is about politics and policies... how could 2025's Federal election change things up in the property market?

    Cate closes the episode with a reference to the inflation figures, market expectations for a cut, and the implication of the cash rate decision this month. It's a cracking episode and we hope our listeners enjoy!

    Show notes: https://www.propertytrio.com.au/2025/02/17/ep-297-jan-2025-market-update/
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    56 分
  • #296: Nailing Your Investment Purchase – Cash Flow vs. Capital Growth & How to Pick the Right Location

    #296: Nailing Your Investment Purchase – Cash Flow vs. Capital Growth & How to Pick the Right Location
    2025/02/10
    Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM

    Cate hosts today's listener question episode and Matthew writes in with his question; "I'm currently seeking to purchase an investment property in Melbourne, with a max budget of $1.2 million (as advised by my mortgage broker). I'd appreciate your opinion on what you consider to be the optimal investment-grade asset."

    The Trio each chat about the price points that they see investors circling when selecting an investment property budget. Unsurprisingly, Cate and Dave's client budgets are broadly aligned, but Mike's Quantity Surveying clients have budgets that are closer to the median price that the ATO has reported. Why are Cate and Dave's clients spending (on average) more than a typical investor? Personal plans, including stepping stone investments, holiday houses and future homes come into discussion. It's some of these quirks to traditional investment models that differ from median prices.

    Can investors have it all? Growth, easy cashflow and future opportunities? Perhaps not, but Mike takes our listeners through the steps that investors go through when determining their strategy.

    Cate talks about the rewards that a capital growth asset can provide, particularly through a higher rate of rental growth, but she reiterates that this benefit is dependent on time.

    Matthew’s two options he’s come up with are as follows: Option 1: A single fronted two-bedroom cottage in the inner northern suburbs, such as Coburg, Preston, Pascoe Vale etc.

    Option 2: A three to four-bedroom freestanding home in the Bayside suburbs of Cheltenham, Chelsea etc.

    Cate describes the challenges that Matthew's brief will face, and she details some of the examples that Matthew has suggested. Finding renovated products is more costly in this climate due to builder shortages and materials cost increases. Aside from the price, Cate also points out that negative cashflow needs to be well-understood by an investor who is circling a house in the Melbourne market, (and several other markets also).

    "'Sanity checking' these cashflows is an essential first step", says Dave. Aligning the purchase with the retirement goals is the next step, and only then can investors start boiling down to specific locations and dwelling types. This approach will hold an investor in good stead, regardless of the city that they are targeting.

    Matthew has a desire not to buy into a strata asset. What are some of the reasons why investors like to avoid strata? And are all strata properties inferior assets when contrasted to houses? Tune in to find out..

    The Trio each share their best tips for Matthew to get his next purchase started in the most optimal way.

    Shownotes: https://www.propertytrio.com.au/2025/02/10/investor-listener-question-february-2025/
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    37 分
  • #295: The Trio’s Top Predictions for 2025 - What’s in Store for the Property Market?

    #295: The Trio’s Top Predictions for 2025 - What’s in Store for the Property Market?
    2025/02/03
    Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMIt's another bumper episode, and we promise we won't keep clocking one hour eps.Following on from last week's retrospective on how the Trio went with their 2024 predictions, this time they each shared their 2025 predictions.What will the market do? - Cate thinks that 2025 will be a better market than 2024. Cate guesstimates 7.5% growth, nationally. Mike thinks a slight underperformance is on the cards when contrasting 2025 to 2024. Mike's national growth prediction is 4%, and Dave's prediction for national growth is closely aligned with Mike's, at 3%.Dave pitches 2026 the year of strong performance.Capital city top performers - The Trio aren't completely aligned with their top three picks. Cate kicks off with her predictions Adelaide, Perth and Melbourne, (in this order). Cate expands on her reasons and Adelaide's economic health, job growth and irresistible pull for visitors holds it in good stead for Cate. But why has Cate picked Melbourne at number three? Tune in to find out.Mike's selection is Perth, Brisbane and Adelaide.Dave is very optimistic about Perth's performance this year, but he shares some 2026 confidence in the Melbourne market. His runners up are Adelaide and Melbourne for 2025. Regional locations - The Trio have an array of regional locations, including Townsville, Toowoomba, Gold Coast and surrounds. While they are all aligned with their optimism about the QLD regions, NSW and Victoria get a special mention too. Cate comments about the relative affordability and appeal of regional Tasmanian cities too, but she ponders how WA regions will travel in 2025. Dave suggests that regional SA will be in the top three regional performers.Investor numbers - With rate cuts and higher rental yields, will investor numbers grow from the 2024 numbers? Mike concurs and thinks a 10% increase in investor lending will follow in 2025, while Dave goes into some good detail about specific states and investor numbers. Cate considers the potential affect of share market volatility, and the impact of increasing intergenerational wealth, too.Government intervention in property market - Cate is doubtful that Victoria will receive any further tightening of rental legislation, and Mike agrees. The spotlight could be on investors if they become too strong a force against first homebuyer numbers. What could happen if the coalition form government? And will APRA consider easing the 3% credit buffer in 2025? Tune in to hear their thoughts.Developers and building - What incentives will be offered to increase new builds and ease housing affordability? From Rent to Buy, to offering increased returns for new property, Dave has a few ideas. Cate predicts some more cost-effective, private, builders will free up and this could impact our current market segmentation. Cate, Mike and Dave estimate increased building starts for 2025 with some specific percentages each....Interest rates - the Trio have a bit of fun with this. After last year's predictions, they decided to be much more specific with their predictions. From Rate Tracker data, to election timing and inflation figures, our three muskateers name the months, the retrospective rate movements and the total 2025 net interest rate movement.Rents/Vacancy rates - Which cities will relax back to historical norms, and which will stay tight? Or will the capital cities all move in sync? The Trio have varied predictions, ensuring they keep it entertaining for the listeners.Sales volumes - Considering consumer confidence, listing volumes, and vendor-commitment to selling is important when predicting sales volumes. Cate reflects on the year that was, and contrasts some of the situations that vendors will be facing in 2025. What makes vendors sit on their hands? Mike considers some of the challenges we may face. Dave holds greater hope for the back half of 2025, reminding us all that he is anticipating a brighter 2026.Risks which could impact the market - Cate kicks the discussion off with her concerns; Overseas migration reduction threatening economic prosperity, China and US trade sanctions, Higher oil prices, APRA intervention with investor activity, Stock market corrections, and Unemployment rising faster than forecasted. Mike forewarns us about insurance woes, and in particular in relation to natural disasters He also touches on global conflict and the severe impact conflict can have on the property market. Resource prices, Immigration and Construction undersupply are also on Mike's list. Dave tops up the list with the following: Waning productivity in our nation, Poor political decisions in relation to government debt, More taxes on investors and The breakdown of our relationship with China.Inflation - The Trio are all very exacting with their predicted figures. Who will get it right? Who will get it ...
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    58 分
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