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
  • #318: Is Negative Gearing Worth It? - The Advantages, Risks, Common Mistakes & Expert Advice for Successful Property Investing

    #318: Is Negative Gearing Worth It? - The Advantages, Risks, Common Mistakes & Expert Advice for Successful Property Investing
    Jul 14 2025
    Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM


    🎙️ In today’s deep dive, Cate, Dave, and Mike tackle one of the most hotly debated and widely misunderstood concepts in Australian property investing: negative gearing.

    💡 What is Negative Gearing?
    Cate kicks things off by asking Dave to explain negative gearing in plain English. Dave defines it as a situation where the rental income from a property is less than the expenses to hold it—meaning you’re running at a loss. This loss, however, can be claimed as a deduction against your taxable income, reducing your annual tax bill. Dave breaks it down with an example that shows how an investor on a $150,000 salary could claim a $10,000 property loss and receive a $3,700 tax refund.

    🧾 What Expenses Are Deductible?
    Cate turns to Mike for a breakdown of what costs are deductible. From loan interest and council rates to insurance, advertising, and repairs, Mike lays out the most common deductions. He also covers longer-term deductions like capital works and depreciation, explaining how investors can claim on both building structure and assets like appliances. Borrowing costs are also covered, which can be claimed over five years.

    📉 Is This Just a Property Loophole?
    Cate challenges the idea that property investors are uniquely advantaged. Dave clarifies that negative gearing applies across asset classes, including shares and businesses. Far from being a loophole for the mega-rich, data from the ATO shows that most property investors are regular Australians—with 71% owning just one property. Cate and Dave stress that negative gearing supports the private rental market, filling a gap that government housing can’t meet.

    📈 Why Lose Money?
    Why would anyone invest in something that loses money? Mike explains that negative gearing is often a long-term strategy, with investors betting on future capital and rental growth. Over time, rents rise and loans reduce, leading to positive cash flow. Dave notes that this typically takes 5–10 years and depends on factors like yield, interest rates, and location.

    🚫 Common Mistakes & Misconceptions
    Dave warns against chasing tax deductions without regard for asset quality. Properties promoted as "cheap to hold" often underperform in the long term. Mike cautions against buying from spruikers and highlights the risk of investing in areas with high yields but poor growth prospects. ⚖️ Positive vs. Negative Gearing
    While positive gearing sounds appealing, Dave and Mike explain that it’s not always feasible—especially in today’s market with rising interest rates and low rental yields. Cate highlights that high-yielding properties are often found in low-growth areas, which may not be the best choice for building wealth.ity — offering practical insights to reduce friction and risk in the finance process.

    ....and our gold nuggets!


    Mike Mortlock's gold nugget: Mike considers the benefit of cashflow versus capital growth, and highlights that the best investors are the ones who are focused on long term capital growth.

    David Johnston's gold nugget: Investing requires long term thinking and investors are encouraged not to chase shortcuts. Understanding how the numbers change over time and utilising negative gearing as a tool is critical. But tax deductions are a benefit, not a reason to invest.

    Cate Bakos's gold nugget: A high land to asset ratio can go hand in hand with great capital growth. High tax depreciation opposes land to asset ratio though. There is a correlation!

    Show notes: https://www.propertytrio.com.au/2025/07/14/negative-gearing-is-it-worth-it/
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    47 m
  • #317: Navigating Regional Markets - Property Selection Strategies & Deep Dive into Geelong, Surf Coast & Bellarine Peninsula

    #317: Navigating Regional Markets - Property Selection Strategies & Deep Dive into Geelong, Surf Coast & Bellarine Peninsula
    Jul 7 2025
    Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM

    🎙️ In this episode, Dave is host, exploring two hot regional markets following listener questions from Daniel and Liam. Daniel asked for a deep dive into Geelong after enjoying the recent Ballarat episode, while Liam wanted insights into the Bellarine Peninsula’s property prospects.

    🏙️ Geelong: Victoria’s Thriving Regional Hub Cate kicks off with a snapshot of Geelong, Victoria’s second-largest city, just 75 km from Melbourne. With a population nearing 300,000, Geelong has evolved from its industrial roots into a vibrant city known for its waterfront, heritage buildings, and arts scene. Geelong’s economy has endured some tough moments, such as the Pyramid Building Society collapse and Ford’s plant closure. However, as Cate explains, the city quickly rebounded. The closure of Ford in 2016 barely dented property values, with strong growth following, particularly during COVID.

    📈 Growth, Migration & Infrastructure Geelong has become a top destination for internal migration, surpassing Queensland’s Sunshine Coast according to the Regional Movers Index. The city’s population has surged, fuelled by affordability, lifestyle appeal, and job opportunities in healthcare, education, tourism, and manufacturing. Cate and Mike highlight that improved infrastructure—including freeway upgrades and better rail services—has made commuting to Melbourne far more viable. Cate also draws comparisons with Sydney’s satellite cities, noting that Geelong offers a shorter and more manageable commute than many of Sydney’s outer regions.

    💡 Economic Strength & Future Vision Geelong’s future looks bright, with a major CBD revitalisation plan aiming to create 60,000 new jobs and boost walkability and urban living. Tourism investment through the Geelong City Deal ensures continued visitor appeal and economic diversity.

    🌊 Bellarine Peninsula: Coastal Living with Considerations Turning to the Bellarine Peninsula, Cate shares insights on its stunning beaches, wineries, and growing popularity among holidaymakers and sea-changers. Key towns like Barwon Heads, Ocean Grove, and Point Lonsdale are among the most affluent. However, the team also highlights the risks tied to holiday hotspots: market volatility, land tax, and the challenges of owning a holiday home. They caution investors to carefully weigh lifestyle appeal against economic risks and longer-term practicality. This episode delivers valuable insights for anyone considering Geelong or the Bellarine Peninsula for investment or lifestyle moves!

    ... and our gold nuggets!

    Cate Bakos's gold nugget: It pays to consider the population sizes of our cities, and to not overlook the regions. We have a lot of large regions in our nation and we need to run the ruler over all of our big cities. Household income growth, job growth and capital growth go hand in hand. And Cate promises to take Mike to Geelong!

    Mike Mortlock's gold nugget: Mike touches on "second wind" cities and some of the interesting reports out there featuring Geelong. He also touches on the importance of understanding the city's population count. "If you can get Ethiopian take-away, the city is big enough!"

    David Johnston's gold nugget: The strategic relocation of the major government agencies has been a crucial part of Geelong's thriving professional eco-system.

    Show notes: https://www.propertytrio.com.au/2025/07/07/geelong-and-the-bellarine/
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    54 m
  • #316: How Long Does It Take to Double Your Property’s Value? Busting the Myth & How Rates, Supply & Market Fragmentation Changed the Game

    #316: How Long Does It Take to Double Your Property’s Value? Busting the Myth & How Rates, Supply & Market Fragmentation Changed the Game
    Jun 30 2025
    Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM

    🎙️ In today’s episode, Mike explores a meaty question that’s been making waves across dinner tables and developer boardrooms alike: Is the Australian property cycle still a thing, or are we living in a new paradigm? The episode is broken up into three segments this week, and the Trio delve into each.

    🌀 Segment 1: The Property Cycle – Useful or Outdated?
    Dave kicks things off by exploring the traditional four-phase cycle: boom, downturn, stabilisation, and recovery. It’s a model many investors have leaned on for decades. Cate shares how this cycle once helped explain the natural ebb and flow of the market — but points out that localised dynamics are now often out of sync with national movements. Mike weighs in with the data. He notes a marked shift in consistency across the capital cities. We’ve moved from a relatively harmonious pattern of growth and contraction to fragmented, often contradictory, trends playing out at hyper-local levels. The “every 7 years your property doubles” mantra? According to Mike, that’s no longer the norm — and the numbers tell a different story.

    📉 Segment 2: What's Changed and Why It Matters
    The Trio then dig into the RBA’s aggressive rate hike cycle — 425 basis points in just 18 months — and the way the market shrugged off textbook expectations. Mike explains that, despite falling borrowing capacity and rising stress, prices bounced back in early 2023 and continued climbing even while rates were still rising. Cate highlights the on-the-ground reality: while buyers paused briefly, vendors didn’t flood the market. Even as fixed-rate cliffs approached, homeowners largely tightened their belts rather than selling. That’s kept supply tight and propped up prices, even in a high-rate environment. As Mike points out, the doubling periods across the capitals are stretching well past 13–17 years, with Hobart being the only exception.

    📆 Segment 3: Is the 18.6-Year Cycle the New Crystal Ball?
    Dave then broaches a long-debated theory — the 18.6-year property cycle. Mike breaks down the five key phases and explains how some analysts believe we’re now in the late-stage “Winner’s Curse” phase, if we take the GFC as the last correction point. Cate agrees there are recognisable patterns but cautions against relying too heavily on any singular model. With policy shifts, immigration swings, pandemics, and planning rules all in the mix, the market rarely sticks to a script.

    And our gold nuggets!....

    Cate Bakos's gold nugget: Cate references the rule of 72, but she also reminds listeners that 'property doubling every ten years' is not a good rule of thumb.

    Mike Mortlock's gold nugget: After a discussion with Pete Koulizos was memorable for Mike. "Time in the market, as opposed to timing the market" is important for investors to consider.

    David Johnston's gold nugget: Dave smiles as he references "The Hitchhiker's Guide to the Galaxy" and the magic number, 42. It's a parallel for those who look for guidance with a basic, generalised growth rate. "If life was that simple, everyone would be doing it."

    Shownotes: https://www.propertytrio.com.au/2025/06/30/the-property-cycle/
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    37 m
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