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

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!



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

Copyright The Property Trio 個人ファイナンス 経済学
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  • #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
    2025/07/07
    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 分
  • #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
    2025/06/30
    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 分
  • #315: The Family Home Puzzle - Balancing Budget, Space, School Zones & Selling Properties to Upgrade

    #315: The Family Home Puzzle - Balancing Budget, Space, School Zones & Selling Properties to Upgrade
    2025/06/23
    Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM

    🎙️ In today’s episode, the Trio dive in to a relatable listener question from Josephine, who’s navigating the next big step in her property journey with her partner. With a growing family and high school on the horizon for their son, Josephine is asking the question — should they stretch and buy a small two-bedroom unit in a coveted school zone now, or wait and hope to afford something bigger later?

    🏠🎓 Josephine and her partner already own a freestanding 3-bedroom, 2-bathroom house, but it’s not in the ideal school catchments they’re now targeting. Their borrowing capacity maxes out at around $650,000 — a budget that’s making it hard to secure the kind of property they want in either of the Secondary school zones they have earmarked in Melbourne.

    🤯 👩‍💼 Cate kicks off the discussion with an honest assessment: $650,000 is a tight stretch for a two-bedroom unit in these high-demand areas. Explaining the the pressure buyers face when chasing school zones and the compromises required, Cate covers a common dilemma.

    🧠 Dave then lays out four clear options for Josephine and her family:
    1. Compromise and buy an apartment in the school zone now.
    2. Sell their current home and upgrade to a family home in the school catchment.
    3. Wait it out, grow their incomes, and buy bigger in a few years.
    4. Ignore school zones for now, and invest where the budget stretches further.
    🎯 Dave shares which of these options he believes offers the strongest long-term strategic value — balancing lifestyle goals with financial fundamentals.

    🔍 Cate takes a deeper look at that fourth option, where lifestyle is deferred but capital growth and investment strategy take the lead. Highlighting this common dilemma when it comes to school zones, Cate unpacks the challenges associated with capital growth and cashflow.

    🏫 The Trio then open up a broader conversation around school zones — the power they wield over price, the risks of overextending, and how buying in the “right” zone doesn’t always guarantee the ideal outcome for families.

    🏘️ If Josephine and her partner do manage to secure a modest property within zone, Cate explores the real challenges they’ll face in terms of space, liveability, and the very real risk of outgrowing the property too soon.

    💸 Dave breaks down the pros and cons of selling the existing home to upgrade. While it may open doors in the school zone, there are emotional and financial costs — including stamp duty, agent fees, and timing the market well.

    🛠️ In this ep, the Trio share a tactical guide to navigating the tricky process of buying and selling at the same time, offering clear tips for developing a sharp purchase strategy and preparing emotionally and practically.

    💼 And Dave wraps with mortgage considerations — from bridging finance to loan portability — offering practical insights to reduce friction and risk in the finance process.

    And our gold nuggets!.....

    Cate Bakos's gold nugget: got so much right with their structuring and decision making when they bought their first property, but one thing Cate wishes they considered was schooling and desired zones. Schooling is a big part of a property plan.

    David Johnston's gold nugget: "We landed at the same point, Cate." Everyone who hasn't set a property plan yet should be asking themselves these questions ahead of time.

    Mike Mortlock's gold nugget: "Anything that doesn't result in two sales is a win!"

    Show notes: https://www.propertytrio.com.au/2025/06/23/the-school-zone-family-home-puzzle/
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    47 分

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