The Property Trio (formerly The Property Planner, Buyer And Professor) podcast

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تمت الإضافة منذ قبل four أعوام

المحتوى المقدم من Cate Bakos, David Johnston and Mike Mortlock, Cate Bakos, David Johnston, and Mike Mortlock. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Cate Bakos, David Johnston and Mike Mortlock, Cate Bakos, David Johnston, and Mike Mortlock أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.

<div class="span index">1</div> <span><a class="" data-remote="true" data-type="html" href="/series/interrogation-nation-full-police-interrogations-serial-killer-docs-and-true-crime-investigations">Interrogation Nation - Full Police Interrogations, Serial Killer Docs and True Crime Investigations</a></span>

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Interrogation Nation - Full Police Interrogations, Serial Killer Docs and True Crime Investigations

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Interrogation Nation - Full Police Interrogations, Serial Killer Documentaries, and True Crime Investigations Welcome to Interrogation Nation—the podcast where the pressure is high, the lights are bright, and the truth has nowhere to hide. Each week, we bring you uncut, full-length police interrogations, raw suspect interviews, and chilling confessions from real criminal cases. Dive deep into the minds of serial killers, murder suspects, and criminal masterminds as detectives work to uncover the truth—one question at a time. We feature: Full police interrogation audio Serial killer documentaries and psychological breakdowns True crime case files, trial footage, and real confessions Exclusive audio from homicide, missing persons, and cold case investigations Whether you're a true crime addict, criminal psychology enthusiast, or just obsessed with what really happens inside the interrogation room, Interrogation Nation gives you front-row access to the raw, unfiltered side of justice. ⚖️ Real voices. Real crimes. Real consequences. 🎧 Subscribe and uncover the truth—one tape at a time. true crime podcast, police interrogations, real interrogations, serial killer interviews, true crime audio, suspect confession tapes, true crime stories, murder confession recordings, interrogation room audio, uncut police tapes, real murder investigations, serial killer podcast, criminal psychology, raw interrogation tapes, interrogation podcast, police interviews, homicide suspect confessions, killer confession podcast, cold case interrogations, full confession audio, interrogation nation Become a supporter of this podcast: https://www.spreaker.com/podcast/interrogation-nation-full-police-interrogations-serial-killer-docs-and-true-crime-investigations--6672917/support .

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

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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/

321 حلقات

#Market Update

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

updated منذ يوم واحد

منزل السلاسل•Feed

321 حلقات

#Market Update

كل الحلقات

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#319: Market Update June 2025 – Darwin Returns to 2014 Peak, Canberra’s Top End Climbs, & Listings Drop Nationwide 47:30

منذ 1 day47:30

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47:30

Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM In this latest market update episode, Mike and Cate go duo as Dave hits the road with his family. Despite Dave's absence, the June market update is packed with insights and trends, although we do miss the lending data from Dave in this ep. 🏡 Capital City Highlights The national market edged up in June, with every capital city posting gains except Hobart (down 0.2%). Darwin led the charge with a 1.5% monthly gain across dwellings, and houses jumped 1.8%, pointing to renewed investor interest. However, only 31% of Darwin’s suburbs are at their peak – suggesting targeted activity in a few suburbs rather than widespread growth. 📈 Unit Surge or Blip? Cate and Mike unpack a surprise in the data – units outperformed houses in Brisbane, the Gold Coast, and Adelaide. Is this a turning point for apartments, or just a one-month spike? Cate shares boots-on-the-ground experience from Melbourne, where yields over 5% are tempting investors back into the unit market. Affordability, lifestyle trade-offs, and post-COVID sentiment shifts are driving demand. Another key find is the stratification of sales prices in the various capital cities. This month, Canberra defies the 'norm' and exhibits stronger growth in the highest price quartile. What is going on in our nation's capital? Tune in to find out. 💰 Rental Yields & Investor Trends Rental growth has steadied nationally, with gross yields at 3.7%. Darwin is the standout with 6.5% yields and regional NT pushing a massive 7.7%. Cate suggests investors may be pushing up rents post-renovation or after long-standing leases end. Meanwhile, Melbourne’s rental growth remains sluggish at just 1.2% annually – possibly a story more about the past exodus of investors than current conditions. 📉 Listings Drop, Pressure Builds New listings are down 11.7% compared to last year, with Hobart and Darwin seeing declines over 30%. Cate explains why tight listings don’t always mean easy buying – buyer fear of missing out leads to irrational behaviour, and competition ramps up even when the market feels slow. She also highlights the buyer activity driving Melbourne’s numbers, even if it’s not yet obvious in CoreLogic’s top-line data. 📊 Segmented Market Action The trio (duo) dive into price segmentation and why it matters. Melbourne’s heat is coming from the $600k–$800k range, particularly in suburbs like Frankston, Werribee, and Sunbury. It’s a case of high activity in lower-price markets dragging down median figures – which might explain why data lags what buyer advocates see on the ground. Another key find in the stratification of sales prices in the various capital cities relates to Canberra. This month, Canberra defies the 'norm' and exhibits stronger growth in the highest price quartile. What is going on in our nation's capital? Tune in to find out. 🌏 Big Picture Forces They wrap up with macro themes: inflation, global uncertainty, interest rates, and shifting sentiment. The RBA’s rate pause caught many off guard, impacting buyer confidence. But with bond markets still pricing in cuts and global instability nudging investors toward bricks and mortar, the property market remains in motion. Lastly, Cate and Mike marvel at Darwin's growth, however they chat about the surprising percentage of suburbs within the star-capital that are yet to reach their peak for capital growth. They try to uncover what this surprising set of statistics could actually be telling us. Shownotes: https://www.propertytrio.com.au/?p=1735…

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#318: Is Negative Gearing Worth It? - The Advantages, Risks, Common Mistakes & Expert Advice for Successful Property Investing 47:19

منذ 8 أيام47:19

47:19

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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#317: Navigating Regional Markets - Property Selection Strategies & Deep Dive into Geelong, Surf Coast & Bellarine Peninsula 54:08

منذ 15 يومًا54:08

54:08

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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#316: How Long Does It Take to Double Your Property’s Value? Busting the Myth & How Rates, Supply & Market Fragmentation Changed the Game 36:42

منذ 22 يومًا36:42

36:42

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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#315: The Family Home Puzzle - Balancing Budget, Space, School Zones & Selling Properties to Upgrade 47:07

منذ 29 يومًا47:07

47:07

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: Compromise and buy an apartment in the school zone now. Sell their current home and upgrade to a family home in the school catchment. Wait it out, grow their incomes, and buy bigger in a few years. 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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#314: Market Update May 2025 – Darwin Powers On, Melbourne Recovery Continues, All Capitals Rising, Listings & Investor Trends Signal Shift 49:14

منذ 5 weeks49:14

49:14

Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM This week, Dave, Mike and Cate tackle the May data. Darwin continues to perform strongly, but Cate eludes to the contrasting data across various data houses. Data integrity and varying methodologies of collecting and collating data may be the source of the issue. The Trio delve into the reliability and variability of data. Could off-market transactions explain the differential? Or is it something more?Hedonic indices and algorithms are another consideration... perhaps a great future episode for the Trio to unpack. The revised past month's data provided in the new Cotality reports are interesting too. The Trio reflect on the transparency provided as one data house formalises trends a month on. Mike notes that every single capital city delivered growth in the month of May, and the change in dwelling values since last peak is intriguing for those cities which haven't caught up with their last peak. Dave steps through the monthly pace of rent for the capital cities. From seasonality to increased supply, the Trio consider the drivers of this recent change in the majority of capital cities. But what's happening in Darwin and Hobart? And why is the rental data so misaligned for houses versus units? Tune in to find out. And the Trio tackle some of the counter-intuitive reasons why rental prices are rising in cities like Darwin. Mike sets a challenge... can we pick the bottom of the market by referencing the listings data? Combining new listings, all listings, 'old listings' and distressed listings tell us a lot, but without a heavier weight of data points, it is difficult to rely on listing figures in smaller markets like Hobart and Darwin. Cate described the Westpac Consumer Sentiment Index as anaemic this month. Considering the current global unrest, talk of interest rate cuts and sharemarket uncertainty, the chat isn't what was anticipated. "This chart didn't dance around like I expected it to." Major household items recorded the largest change for the month, and Australian household's saving rate goes hand in hand with this figure. The increase of the household savings ratio (5.2%) suggests that additional earnings, (and/or lower interest rates and reduced inflation) is flowing through to households. Lending data suggests investor activity has increased in the last year, (citing the March quarter 2024 to 2025). In the Northern Territory in particular, investors are spending more. Are they pushing prices higher with greater competition, or are they targeting better quality houses than previous investors have been? Bond yields have tracked back, and Dave suggests that global uncertainty, tariffs and the inconsistency in the US administration. Unemployment figures have surprised more than a few people too, considering some of the narrative and predictions we've had previously about the likely direction of our employment figures. Lastly, Cate marvels at the change in some of our GDP figures since the woes of post-COVID supply chain issues. Show notes: https://www.propertytrio.com.au/2025/06/16/ep-314-may-2025-market-update/…

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#313: The History of Property Prices Following Interest Rate Cuts – 40 Years of Data, Houses vs Units, Capitals vs Regions & Predictions 51:26

منذ 6 weeks51:26

51:26

Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM 🎙️ Welcome to another dynamic episode of The Property Trio! Cate, Dave, and Mike reunite to unpack a hot question on many investors’ minds: Are we on the cusp of Australia’s next housing boom? Cate kicks things off by outlining seven key economic signals that are all pointing in the same direction — from falling interest rates to rising rents and tight supply. Whether you're already in the market or still on the sidelines, this episode is one you can’t afford to miss! 📉 Falling rates = rising prices? Dave dives into a powerful piece of research by Peter Munckton from Bank of Queensland. He shares compelling data showing that historically, when interest rates fall, property prices tend to rise — and often by more than 10% in the following two years. Mike adds that while we may not see pandemic-style booms, the signs are certainly leaning bullish. 🏘️ What’s different this time? Unlike previous booms fueled by deregulation or pandemic stimulus, this cycle is driven by low supply and strong demand. Dave highlights sobering ABS figures — with only 180,000 dwellings approved in the past year, we’re well below the build rates needed to meet population growth or the government's ambitious targets. 👶 First home buyers charging in The team explores the expanded First Home Guarantee scheme. With caps removed and eligibility widened, it’s already creating ripples — especially in the lower quartile of the market. But will it cause a price surge? Economists are split, with some warning that the policy could backfire by fuelling early price growth. 🏡 Houses vs Units: Can the gap close? Dave notes that since 2020, house prices have doubled unit growth. But with affordability stretched and units offering better yields, could we see a swing back? The team debates whether apartments are due for a renaissance — particularly for price-conscious buyers. 🌆 Capital cities ready to rebound? Regional Australia boomed post-pandemic, but now the spotlight could return to the capitals... or could it? Historical data suggests a cyclical pattern, and many capitals like Melbourne, Hobart and Darwin appear undervalued. Dave sees Melbourne as the sleeper, with 2026 poised to be its breakout year. Hobart and Canberra also show strong rebound potential. 📈 Mid-year prediction updates Cate, Dave and Mike revisit their 2025 forecasts. Dave supports 4.5% growth nationally by year’s end — and flags 2026 as the potential double-digit boom year. Cate and Mike still expect a solid 2025, but with more moderate growth compared to previous boom cycles. .... and our gold nuggets! David Johnston's gold nugget: 2025 is shaping up as a better window of opportunity. Borrowing power has improved... but Dave believes 2026 could be an even stronger year for property price growth. Mike Mortlock's gold nugget: Are we heading towards a boom? Mike steps through the other capitals and he tends to agree with Dave. Cate Bakos's gold nugget: Cate focuses on the history of booms and busts and talks about the historical magnitude of each. Standing back and looking longer term, long-term active investors will have a different level of sensitivity about market movement. Show notes: https://www.propertytrio.com.au/2025/06/09/housing-boom/…

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#312: Why Social Housing Supply Can’t Keep Up - Exploring the Causes, Consequences & Potential Solutions to Australia’s Housing Shortfall 45:33

منذ 7 weeks45:33

45:33

Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM 🏘️ What is Social Housing? This week, The Trio unpack social housing — subsidised accommodation aimed at vulnerable Australians. Social housing includes both public housing (state-managed) and community housing (run by not-for-profits). Unlike private rentals, it’s allocated based on need, not market competition, and supports those on low incomes, often dealing with complex challenges like homelessness or family violence. 🚨 Crisis Accommodation vs. Social Housing Cate draws a clear line between crisis accommodation — short-term emergency shelters — and longer-term social housing. Crisis services, often provided by groups like The Salvation Army and Mission Australia, offer additional safety nets with added support services such as counselling and case management. 💸 How Rents Are Set Rent in public housing is typically capped at 25–30% of assessable household income. Rebates are applied to keep rent affordable, based on wage income and benefits. Mike adds that in community housing, Commonwealth Rent Assistance is also factored in, and providers usually charge under 75% of market rent to remain GST-exempt. 🏠 Affordable vs. Social Housing Dave and Cate address the often-blurred lines between affordable housing and social housing. While affordable housing lacks a universal definition in Australia, it usually refers to pricing that’s lower than the market or tied to a percentage of income, and can include both rentals and home ownership. 📉 A Shrinking Share of Housing Cate points out that social housing now makes up just 4% of all housing in Australia — a figure unchanged since the 1990s despite population growth. Over 170,000 households are currently on waiting lists, some facing years-long delays. Meanwhile, ageing and abandoned stock is going unused. Cate cites two specific examples in Knoxfield and Ballarat. 📊 Demand Far Outpaces Supply Mike estimates over 565,000 households either live in or are waiting for social housing. Projections suggest that by 2037, Australia may need over 1.1 million social dwellings — far exceeding current policy commitments. 🌍 International Comparisons The Trio compares Australia’s performance globally. At just 4.4%, we lag behind the OECD average (6.9%) and trail countries like the UK (17%) and the Netherlands (34%). The message is clear: more investment and smarter policy are urgently needed. ... and our gold nuggets! Mike Mortlock's gold nugget: Considering the COVID response and how the Federal government worked with the states... we need to have a national cabinet again to address this issue. Cate Bakos's gold nugget: "We need a bi-partisan approach!" David Johnston's gold nugget: Setting up a bi-partisan model, (an independent body that is not actually political) is a first start. Dave's three point plan highlighted some of the challenges that need to be addressed with this enormous, and important task. Shownotes: https://www.propertytrio.com.au/2025/06/02/social-housing/…

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#311: REVEALED – The Aussie Suburbs with the Lowest Number of New Dwellings - The Hidden Forces Blocking New Homes in High-Demand Locations 41:28

منذ 8 weeks41:28

41:28

Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM 🎙️In this timely and hard-hitting episode of The Property Trio, Dave, Cate, and Mike unpack a serious supply crisis facing Australian housing. Mike Mortlock shares some valuable research, hot off the press from the team at MCG. The data reveals that hundreds of suburbs across the country have recorded less than 1% growth in housing approvals over a two-year period. These “frozen” suburbs aren’t adding enough new stock to meet even a fraction of demand, despite record migration and ongoing population growth. The Trio highlights how this lack of new supply is fuelling Australia’s affordability crisis. Renters are squeezed, first-home buyers are sidelined, and down-sizers often can’t find suitable housing within their communities. Even more alarming is that these figures only reflect building approvals, (not actual completions). This means the true supply increase is likely even smaller. The conversation deep dives into the structural barriers that prevent housing from being delivered where it’s needed most. From development taxes and levies making up to 40% of a new home’s cost, to NIMBY, (not in my backyard) opposition and clogged planning systems, the obstacles are significant and widespread. Suburbs like Victoria's Glen Waverley-East, Camberwell North, and Mount Eliza are among those effectively shut off to meaningful development. With housing commencements falling 30% short of national targets, and population growth adding 650,000 people in a single year, Australia is failing to keep pace. The Trio explores a range of solutions, from tax and planning reform to public-private partnerships and cultural change around urban density. This episode is essential listening for anyone interested in understanding the root causes — and potential solutions — to Australia’s deepening housing crisis. 📊 Some interesting statistics include: Suburbs with under 1% dwelling approval growth over two years are failing to contribute to national supply goals. Annual dwelling commencements in 2024 sat at 168,000 — a 30% shortfall against the federal target of 240,000. Australia’s population grew by 650,000 in 2023, driven largely by migration — but housing supply hasn’t kept pace. .... and our gold nuggets! Cate Bakos's gold nugget: For those who are feeling a pinch of "NIMYism", source some information to glean more about planning, the approval process, and the detail of the project itself. Mike Mortlock's gold nugget: Community consultation is a multi-faceted issue. There are a number of levers we can apply, but as Mike says, we need to have some real conversations about these levers with some bright minds. David Johnston's gold nugget: Government of all persuasions need to consider the taxes they are making from new property, and focus on proper incentives. We need to also consider the areas where we can reduce the red tape, whilst maintaining safety standards in the building industry. Shownotes: https://www.propertytrio.com.au/2025/05/26/limited-housing-supply-suburbs/…

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#310: Market Update Apr 25 – Darwin Dominates, Melbourne Signals Growth Ahead, Quartile Price Movements & Expected Rate Cuts Fuel Confidence 57:30

منذ 9 weeks57:30

57:30

Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM This week, Dave, Mike and Cate tackle the data! Nationally, the gains could be described as "soft", but for Darwin and Hobart, things are anything but soft. With a second consecutive strong month, Darwin is once again the star of the show. Dave considers that Darwin is in the early stages of a bull run based on a few metrics. Time on market, sales volumes, vacancy rates, rental movement, and new listings and are all combining to suggest that Darwin's demand level has more in store. Cate points out that the combined regions are still doing a lot of heavy lifting though. Investor price points and lighter negative cashflow is a likely reason for regional performance, combined with intra-state migration. Retirees and the accepted phenomenon of work-from-home are also contributors to this trend, as are decentralised businesses. Quartile performance across the cities also tells us an interesting story. Typically, cities in recovery show an uptick in higher quartile performance, yet as Cate points out, credit can play havoc with this trend. Melbourne's lower quartile is still lower, but investor activity could explain this. Investors tend to circle lower price points and Melbourne represents value when contrasted against other states. The higher rental yield has also been compelling for a few investors. Are buyers sitting on their hands in Canberra? The Trio chat about the impact of elections on buyer behaviours, particularly in cities with high numbers of public servants. And what does this segmented data suggest for our hot cities of 2024, (Brisbane, Perth, Adelaide)? Tune in to find out. Rents have almost normalised thanks to higher household formation rates and a slow-down on overseas migration. Most of our capital city house rental movement now sits within the target inflation band; a stark contrast from the heady past three years. Rents... good news for renters? Many of our capital city markets have experienced a softening in asking rents for houses. Adelaide, Perth, Darwin and Hobart remain the strongest, but we are far from the peak conditions over thee past four years. Household formation rates have impacted rental growth, as have first home buyer initiatives, migration levels and confidence around employment. As Dave points out though, national rental growth is still above target inflation, so it's not all good news for renters. for renters. Sales data for Darwin at 35.5% increase over the past twelve months overshadows every other city. Combined with new listings, (which have contracted in our northernmost capital), the supply/demand balance supports Darwin's sheer strength at present. Total listings data is slightly under the past five year average, but we do need to take into account the impact of Easter, ANZAC Day and the federal election. Old listings, current listings and new listings tell a great story, particularly for Canberra. The fear of public service cuts would have no doubt dampened the sentiment for Canberran purchasers. May 2025's Westpac consumer sentiment indices are surprisingly stable, however some of the metrics suggest a degree of pessimism. Buyers are optimistic about the chances of an interest rate cut, yet sentiment is still relatively anaemic. Dave shares his updated predictions for some of our capital cities as he talks our listeners through some of the combined leading indicators he's combined for a clearer picture. Cate sheds light on settlement periods and the impact a long settlement can have on data reporting. Many upgraders are currently looking to buy on long settlements in order to give themselves ample time to sell. Lastly, Mike decides to introduce a guessing game for the Trio. "Which capital cities will star next month?" Let's see who's predictions land closest to the pin next month! Show notes: https://www.propertytrio.com.au/2025/05/19/ep-310-april-2025-market-update/…

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#309: How to Boost Borrowing Power – Debt Management Strategy for Smart Property Decisions & Unlock Investment, Home & Refinance Opportunity 47:54

منذ 10 weeks47:54

47:54

Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM Welcome to Episode 3 of our special Property Trio trilogy, where we wrap up our deep dive into one of the most critical aspects of property investing in today’s environment: borrowing capacity. For our listeners who have tuned in to the first two episodes — where we covered lending fundamentals and the importance of the right loan structures — this third instalment will deliver intel which is all about maximizing borrowing power with practical strategies. We explore the details of how lenders assess borrowing power and what levers borrowers can pull to optimise borrowing outcomes. The Trio brings both the insider knowledge from the lending world and the hands-on experience of working with hundreds of property investors and buyers. The Trio tackle the following segments: ✅ Income Optimisation Not all income is treated equally by lenders. Whether a borrower is a PAYG employee, self-employed, or juggling multiple income streams, they break down how to present earnings in the best possible light to maximize borrowing ability. This includes guidance for self-employed income earners, those with casual employment, and investors with rental income. ✅ Trimming the Fat: Expense Auditing Discretionary spending can significantly undermine your serviceability. The Trio discusses how to identify and cut back non-essential outgoings. From subscriptions, after-payments, to even gym memberships.... these all add up in the eyes of lenders. ✅ Tidy Up Your Credit File Unused credit cards and Buy Now Pay Later services can inhibit borrowing capacity. The Trio explains the importance of credit file hygiene and the steps to clean up liabilities for a stronger application and optimised borrowing capacity. ✅ Debt Consolidation – Yes or No? When does it make sense to consolidate personal debts before applying for a home loan? The Trio examine the pros, cons, and myths around bundling debts for better serviceability. ✅ Lender Policy Matching Not all banks view = finances the same way. A key theme in this episode is choosing the right lender based on each borrower's unique profile. Cate, Mike, and Dave explain why a savvy mortgage broker or planner can be the difference between a finance rejection and an approval. ✅ Long-Term Readiness The Trio also discusses the importance of staying ‘loan-ready’ — with tips on financial preparation that stretch beyond a single transaction. When it comes to property, being ready to strike at the right time is critical. 🧠 Should Borrowers Stretch Their Borrowing to the Max? Finally, we tackle the controversial question: Is it ever wise to borrow up to full capacity? The Trio shares their thoughts on risk appetite, growth planning, and the fine line between ambition and overreach. This episode is packed with real-world strategies that buyers can start applying today. Whether buying a first home, upgrading, or growing a portfolio, these tips are tailored to give borrowers the upper hand. .... and our gold nuggets! Mike Mortlock's gold nugget: Going to your bank manager is a thing of the past. These days, it's quite complicated. Mike chats about some of the serious challenges that debt-consolidation borrowers face. David Johnston's gold nugget: "Without the full picture, you can unintentionally weaken your financial position and go down a path that is not best for you. It really pays to make sure you discuss any changes with your strategic mortgage broker and ensure you understand hte full picture before you make any big decisions." Cate Bakos's gold nugget: Debt consolidation can either be liberating, or it can be a curse. Mortgage strategy is discipline is essential for success. Shownotes: https://www.propertytrio.com.au/2025/05/12/increasing-borrowing-capacity-3/…

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#308: Darwin Under the Microscope - Will 2025 Mark the Return of Property Growth for Australia’s Most Affordable & Smallest Capital City? 56:33

منذ 11 weeks56:33

56:33

Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM 🎙️This episode was inspired by a thoughtful message from a listener who challenged us to dig deeper into Darwin’s property market after we referenced it briefly on a previous show. Some investment advisors are touting Darwin as their top pick for capital growth in 2025, so Mike takes the reins to explore if Darwin’s time in the spotlight is finally back. 🏠 Why Darwin, and Why Now? Michael, one of our listeners, shared compelling on-the-ground insights about a surge in investor and buyers’ agent activity. From off-market sales and investor loans soaring in the NT, to Buyer's Agents reportedly purchasing 20+ properties per week—Darwin's market seems to be heating up fast. Cate reflects on the risks of artificial price uplifts when too many Buyers Agents flood a small market and shares her cautious optimism. Yes, Darwin has clocked over 1% monthly growth in both March and April, but as she reminds us—two data points don’t make a trend line. 💬 Investor Buzz Recent growth figures are starting to align with Michael's anecdotal evidence. Darwin may finally be rebounding after an 11-year slump—longer than any other capital. But is it investor-fuelled, or is there something broader taking place in Darwin? 📊 Data, History, and Economic Context Dave offers a reality check with stats: Darwin housing values are still 4.9% below 2012 levels. Despite high rental yields (the best in the nation), long-term growth has lagged, and the market’s small size adds volatility. Cate and Dave also explore the city's unique profile: Population: ~150,000 Heavy reliance on public sector employment Mining = 30% of NT's revenue Home ownership below national average Government stimulus and generous first-home buyer grants 📉 Risk or Reward? Darwin’s rental yields and affordability are attractive, but economic diversity, investor saturation, and project delivery are key concerns. Cate shares the practical challenges of property upkeep from afar, while Dave reflects on the pitfalls of yield-chasing strategies. 🔮 Will Darwin Shine in 2025? The Trio agrees: Darwin has had remarkable highs (second-highest median house price in the late 90s and early 2010s) and harsh lows. With strong early signals and renewed investor interest, it may be poised for a comeback—but sustainability is the real test. 🎧 Tune in now for a balanced, data-backed, and researched discussion on whether Darwin is worth your investor attention in 2025. Shownotes: https://www.propertytrio.com.au/2025/05/05/listener-questions-darwin/…

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#307: Analysing Ballarat’s Property Potential - The Pros, Pitfalls and Lifestyle Insights for Home Buyers and Regional Market Investors 44:13

منذ 12 weeks44:13

44:13

Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM In today's episode, Mike and Cate tackle a great listener question from Brooke, who asks: "Is Ballarat a no-go for investors, and what about its long-term growth prospects?" With profits from their Perth house and a $690K budget, Brooke and her family are considering a move to regional Victoria — and Ballarat has caught their eye. The duo dive deep into why Ballarat remains one of Victoria's most attractive regional cities, offering both affordability and a high quality of life. But what should Brooke consider before making the move? And what are some of the interesting local things to note about this fabulous provincial city? 💡 Why Ballarat? Cate kicks off by painting a compelling picture of Ballarat’s growth and appeal. With a population exceeding 122,000 and on the rise, Ballarat continues to attract both regional and metropolitan migrants. The city’s relative affordability, compared to Melbourne, combined with strong access to employment and education opportunities, makes it a top contender for families and investors alike. 🏥 Key Industries & Employment Ballarat's economic backbone includes health services, education, advanced manufacturing, and decentralised government services. With a diverse and stable job market, it stands out as a regional powerhouse — bolstered further by hospitals, schools, and a university attracting students and professionals from across the country. 📜 A Rich History Once a booming gold rush town, Ballarat was home to some of the world's richest alluvial goldfields. The city's prosperity led to grand architecture and impressive infrastructure — much of which still stands today, adding to its unique charm. 💰 Investment Outlook Cate outlines the city's strong rental yields (often outperforming Melbourne), tight vacancy rates, and reliable demand — especially among university students and healthcare professionals on placement. She also highlights Ballarat’s appeal to “regional super consumers” as noted by demographer Bernard Salt, and how the shift to remote work is opening doors for tree-changers seeking lifestyle without sacrificing income. 🏡 Living There & What $690K Buys For Brooke, who’s open to living in Ballarat, Cate and Mike discuss the lifestyle factors: good schools, a thriving food and wine scene, stunning public buildings, and fast rail access to Melbourne. She advises on buyer pitfalls to avoid, the importance of inspecting properties, and how to make the most of the "try before you buy" approach. 🍻 Fun Fact During the gold rush, Ballarat had over 500 pubs! Today, around 50 remain — keeping the city’s vibrant social legacy alive. 🚗 Weekend Tips Cate signs off with some tips for a Ballarat weekend getaway — from local cafes to wine country escapes. .... and our gold nuggets! Cate Bakos's gold nugget: For anyone who is inquisitive about Ballarat, a weekend away can make a nice little experience. The city grid is walkable from the rail station and there are plenty of fun places to go for those who enjoy their food and wine. Mike Mortlock's gold nugget: Making an investment dual-purpose isn't an easy task, but effective strategy can take an investor a long way when they are considering what their future opportunities may entail. As Mike says, "life happens." Show notes: https://www.propertytrio.com.au/2025/04/28/listener-questions-ballarat/…

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#306: How to Increase Borrowing Power - How Kids, Rate Cuts and Variable Income Impact Property Buying Potential, Equity Access & Refinance 53:22

منذ 13 weeks53:22

53:22

Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM In this episode, Cate and Dave dive into how life circumstances and interest rate changes directly impact borrowing capacity when borrowers are applying for a mortgage. Whether you're planning to start a family, waiting for a pay rise, or watching the RBA closely, this episode unpacks what it all means for your property plans. The episode begins by tackling a common question: how much do kids affect your borrowing power? Dave breaks it down with real figures. For a couple earning a combined $300,000, each child adds about $350 per month to living expenses under the Household Expenditure Measure (HEM), reducing borrowing capacity by roughly $35,000. But when you account for real-world costs—like childcare and private school fees—that impact can balloon to over $500,000 depending on your lifestyle choices. The takeaway? Kids can significantly reduce what lenders are willing to offer, especially if you're covering higher education costs. The conversation then turns to single parents, where Mike explains that HEM assumptions are more severe. Each child adds about $490/month to expenses, meaning a single applicant earning $150,000 may lose $60,000 in borrowing power per child. The financial pressure of being a solo breadwinner, combined with extra costs like babysitting or outsourcing household tasks, creates a tighter borrowing scenario compared to dual-income couples. Next, the Trio explore the effects of interest rate changes. The recent 0.25% RBA rate cut increased borrowing capacity by $20,000–$35,000 depending on income and household structure. Dave highlights that if further cuts come through—as expected—borrowing capacity could rise by as much as $150,000, opening access to higher-value properties and likely fueling further property price growth. Mike also dives into how income boosts translate into borrowing power. A $10,000 salary increase can add about $51,000 to your borrowing limit—roughly five times the pay rise. However, benefits taper off once you hit higher tax brackets. For couples, even if only one partner increases their income or returns to work, the gains can be substantial. Finally, Dave offers guidance for those considering waiting for a pay rise before buying. While higher income increases borrowing capacity, waiting too long in a rising market could mean missing out as property prices climb—potentially offsetting any gains from the salary bump. Whether you're starting a family, navigating single parenthood, feeling the challenges of lender servicing rules, or simply trying to get a better understanding of how banks assess incomes and assign borrowing capacity, this episode offers key insights to help you to navigate the lending steps more confidently and plan with clarity. .... and our gold nuggets! Mike Mortlock's gold nugget: "What are you prioritising?" Mike reflects on one Dave's comments about one of the most important things that a great, strategic mortgage broker will ask their client. Cate Bakos's gold nugget: Kids.... they are expensive. People are often hard on themselves when it comes to balancing building wealth and waiting it out while incomes are reduced while raising children. "Time with your kids is precious and they grow up really fast. Try to be kind to yourself." David Johnston's gold nugget: Borrowers should think about whether there is variability with their income. They should disclose this as clearly as possible with their strategic broker, because the better they understand how income is earned, the better they can assist their client. "A good strategic mortgage broker will ask you lots of questions." Show notes: https://www.propertytrio.com.au/2025/04/22/increasing-borrowing-capacity-2/…

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#305: Market Update Mar 25 – Darwin Leads Growth, Melbourne Posts Another Increase & Interest Rate Uncertainty Amid Global Tariff Concerns 52:25

منذ 14 weeks52:25

52:25

Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM This week, Mike and Cate tackle the data! Nationally, median dwelling values have strengthened, recording 0.4% for the month. But it is Darwin who's stolen the show with a full 100 basis points rise in March. Adelaide continues to impress, showing strong resilience. The Duo ponder the drivers behind the continued performance of the City of Churches and they also note that Hobart has been the only negative-performing capital city for the month. Cate highlights the difference between "all dwellings" vs "houses", and illustrates the importance of segmentation. Contrasting the long term performance of our two March extremes is interesting. Cate and Mike break down the past ten years' of dwelling values, noting that Hobart comes in at number three with a growth rate of 86.7%, whilst Darwin's ten year performance is negative at -1.0%. Regional performance is noteworthy too. Recent years have amplified regional growth, particularly following COVID. However, the top performers over the last twelve months are interesting. Central Highlands in QLD is home to a lot of mining towns, and the growth has the Duo questioning whether it's sustainable long-term. "Why has regional Victoria done so much better than Melbourne?" Cate walks the listeners through some of the challenges that Melbourne faced, and also some of the significant drivers over the COVID lockdown years throughout many different Victorian regions. Rents have almost normalised thanks to higher household formation rates and a slow-down on overseas migration. Most of our capital city house rental movement now sits within the target inflation band; a stark contrast from the heady past three years. Gross rental yields have been gradually increasing in some locations, particularly Melbourne, but Mike and Cate consider some locations around the country that currently deliver positive yield. Two include some parts of Darwin, regional NT, and some parts of regional WA. But as Cate eludes, reward and risk often go hand in hand. Total listings data is often intriguing when contrasted against "old listings". The data sourced from SQM suggests supply and demand is particularly imbalanced in Darwin this month. Old listings support the theory that buyers are purchasing 180-day+ stock aggressively. Like we saw for Perth in recent past years, could Darwin be exhibiting similar leading indicators for a surge? Unemployment remains tight and the most recent figures suggest the unemployment count is lower than anticipated. The last two weeks have been dominated by newsfeeds about Donald Trump's tariff controls, and markets have exhibited several shocks to say the least. Mike and Cate delve into some of the comments from our own RBA Governor, Michelle Bullock in response to questions about how Australia will fare. Specifically, the Duo cite some of Governor Bullock's remarks about inflation, interest rates and employment. Show notes: https://www.propertytrio.com.au/2025/04/14/ep-305-march-2025-market-update/…

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