In this heart-to-heart episode of the Backyard Property Pod, we sit down with Tracy Longo, COO of Homes for Homes, to explore the staggering reality of housing insecurity in Australia. With 46,000 children facing homelessness and over 1.5 million people living in housing stress, the problem is too big for the government to solve alone. Tracy shares her deeply personal journey of experiencing housing insecurity as a child and explains how her organisation creates a seamless way for everyday homeowners to make a difference.

More than 50% of people experiencing homelessness are female, 7% are rough sleeping - Female is just under 44%, and rough sleeping is 6%

General advice only and not personal advice. CRN 485467

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Tusk Finance Email: [email protected]

Connect with Tracy:

LinkedIn: https://www.linkedin.com/in/tracy-longo-43829b60

Follow Homes for Homes:

LinkedIn: https://www.linkedin.com/in/tracy-longo-43829b60

Facebook: https://www.facebook.com/homesforhomesaustralia

LinkedIn: https://www.linkedin.com/company/homes-for-homes/

Instagram: https://www.instagram.com/homesforhomesaustralia/

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Chapters:

00:00 The Shocking Reality of Child Homelessness

00:52 Introducing Tracy Longo from Homes for Homes

01:37 Tracy's Personal Story of Housing Insecurity

06:34 The Mission of Homes for Homes

12:51 Challenges in Housing Affordability

17:24 Heartwarming Success Stories

20:30 Impact of Community Contributions

21:26 Homelessness Statistics and Challenges

23:25 Demographics of Homelessness

24:41 Social and Economic Benefits of Housing

28:26 Personal Stories of Change

34:03 Encouraging Community Involvement

36:16 Personal Reflections and Closing Remarks

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Produced by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

#Australianproperty #perthproperty #Firsttimehomeowner #MichaelKilliner Brookomoves #PodwaveStudios

Welcome back to That Backyard Property Pod! Today, we’re breaking down the "dry but vital" world of bridging finance.Whether you are an upgrader trying not to disrupt your kids' schooling or a retiree looking to downsize, bridging finance is a powerful tool that allows you to secure your next home before selling your current one. We dive into the mechanics of how these loans work, the specific terminology you need to know, and which banks are currently offering the best products for this niche.General advice only and not personal advice. CRN 485467

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TikTok: /⁠⁠@backyardpropertypodcast⁠⁠

Tusk Finance Email: [email protected]

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Chapters:

01:26 Understanding Bridging Finance

04:03 Mechanics of Bridging Loans

06:57 Bank Options and Strategies

08:26 Bridging for Downsizers

11:17 Conclusion and Final Thoughts

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Produced by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

#BridgingFinance #InterestRates #HomeLoan #Mortgage #PropertyFinance #VariableRate #MortgageStrategy #ThatBackyardPropertyPod #FinanceTips

Brooko Moves joins Michael from That Backyard Property Podcasts for a raw, honest, and hilarious look at what it's actually like on the ground trying to buy a first home in Perth's hyper-competitive market.

This episode cuts through the noise to discuss why first home buyers are "hating it , the price explosion after the 5% scheme, the emotional toll of missing ou , and the funny side of dealing with eccentric real estate agents.

What We Discuss:

• What a home truly means to someone trying to buy for the first time.
• The pressure of competing with 50 people on overpriced "dumps".
• Why Brooke wants to "go crazy with the pink" paint.
• Why the 5% scheme has made the problem far worse.
• How to handle well-meaning family advice

General advice only and not personal advice. CRN 485467

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TikTok: /⁠⁠@backyardpropertypodcast⁠⁠

Tusk Finance Email: [email protected]

Connect with Brooko:

YouTube: https://www.youtube.com/@brookomoves

Instagram: https://www.instagram.com/brooko_moves/

TikTok: https://www.tiktok.com/@brooko_moves

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Chapters:

0:00 Welcome Brooko Moves & The Sanctuary of Home

4:21 Why The Content Started: Shining a Light on The Property Struggle

7:59 The 5% Scheme: Why it Made the Market "Far Worse"

10:39 The Market Cycle: Michael's $140k Loss on His First Home

12:49 Dealing with Outdated Boomer Advice (Stop Eating Avocado Toast!)

18:22 From Sydney to Perth: Losing Hope of Home Ownership

22:20 Making an Offer: The Thrill, The Rejection, and The Overbid

29:48 The Good, The Bad, & The Tesla: Working with Real Estate Agents

34:39 The Most Awkward Open Home Story

39:13 Personal Pride: Overcoming Severe Social Anxiety

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Produced by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

#Australianproperty #perthproperty #Firsttimehomeowner #MichaelKilliner Brookomoves #PodwaveStudios

Welcome back to That Backyard Property Pod! Today, we are diving deep into the massive and unexpected changes happening in the world of interest rates. We’ve seen fixed interest rates increase for the first time since that crazy rate-hike cycle a couple of years ago. Major banks like Westpac, P&N, and Suncorp have all moved their fixed rates up, signalling a significant shift in the market outlook.

We cover:

• Why major banks are suddenly increasing their fixed rates (and what they're predicting for the next 6 months).

• The simple breakdown of the two main loan types and their basic features (redraw, offset accounts, etc.).

• Stability vs. flexibility, and why most fixed loans restrict extra payments and offset accounts.

• How to tell if fixing a portion of your loan is still a smart strategy, especially if you're borrowing 80-95% LVR.

• The latest data showing why a rate cut is highly unlikely in the foreseeable future.

General advice only and not personal advice. CRN 485467

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TikTok: /⁠@backyardpropertypodcast⁠

Tusk Finance Email: [email protected]

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Chapters:

00:00 Introduction and Overview

00:46 Understanding Fixed and Variable Interest Rates

01:56 Pros and Cons of Fixed Rates

03:42 Current Market Trends and Predictions

04:51 Advice for Borrowers

06:23 Summary

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Produced by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

#FixedRate #InterestRates #HomeLoan #Mortgage #PropertyFinance #VariableRate #MortgageStrategy #ThatBackyardPropertyPod #FinanceTips

In this action-packed episode, Michael sits down with Reece from Follio Property to break down the unprecedented market conditions and regulatory changes impacting investors across Australia.Perth has been the standout performer, but how long can the boom last, and who is giving the right advice. Tune in to find out the best performing suburbs in Perth and what we can expect in 2026.

General advice only and not personal advice. CRN 485467

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Subscribe to my channel: / @⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ThatBackyardPropertyPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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TikTok: /@backyardpropertypodcast

Tusk Finance Email: [email protected]

Guest Contact:

LinkedIn: /@reecebeddall

Instagram: /@reecefollioproperty

Follio Podcast: /@folliopodcast

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Chapters:

01:37 Welcome Back: Guest Introduction

02:21 Perth Property Market: A Deep Dive

03:48 Record Low Listings: Impact on Sales

07:47 Investor Trends: Local vs. Interstate

12:26 Trust Lending and Market Regulations

19:08 Long-Term Investment Strategies

23:25 The Role of Social Media in Real Estate

24:53 Stricter Entry for Buyer's Agents

25:11 Identifying Spruikers and Educating Investors

27:31 Perth Property Market Data for 2025

27:52 Top Suburbs in Perth for Investment

30:41 Owner Occupied Appeal and Investment Strategy

35:30 Speculative Plays and Regional Investments

38:51 Rockingham and Market Cycles

40:16 Predictions for 2026

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Music from #Uppbeat

https://uppbeat.io/t/andrey-rossi/seize-the-day

License code: UVSF5JTJM8QUZNXZ

Produced by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

#Australianproperty #perthproperty #propertyinvestment #MichaelKilliner #MelbourneProperty #PodwaveStudios

A huge change has just hit the lending environment, but is it the "investor crackdown" the headlines are claiming? The financial regulator, APRA, has introduced a significant new rule targeting high Debt-to-Income (DTI) lending, specifically, loans more than six times a borrower's gross income.

In this mini-episode, we break down exactly what the new 20% DTI cap means for banks and, more importantly, for you as a borrower or property investor.

Spoiler Alert: This new rule will likely not affect 90-95% of people in the market!

Don't let the scaremongering stop your property plans! Tune in to understand the facts before February 1st, when the new rule comes into effect.

General advice only and not personal advice. CRN 485467

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Chapters:

00:00 Introduction and Recent Changes in Lending Environment

00:49 Understanding the DTI Cap

02:20 Impact on Different Types of Buyers

03:25 Assessment Buffers and Lending Safety

04:32 Clarifications and Effective Date

05:15 Investor Confidence and Market Impact

06:27 Conclusion and Community Updates

General advice only and not personal advice. CRN 485467

Produced by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

#Australianproperty #perthproperty #propertyinvestment #MichaelKilliner #MelbourneProperty #PodwaveStudios

In this must-watch episode of That Backyard Property Podcast, Michael sits down with one of the property market's most respected experts, Nerida Conisbee, Chief Economist for Ray White, to unpack the most challenging issues facing buyers, sellers, and renters across Australia.

From the booming Perth market to the complex national affordability crisis, we dive deep into the data and dynamics driving property decisions. General advice only and not personal advice. CRN 485467

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Chapters:

00:00 Introduction to Supply and Demand Issues

00:14 Challenges in the Perth Property Market

02:00 Personal Insights on Home Ownership

04:48 Inflation Data and Economic Outlook

19:12 Regional Property Trends and Market Recovery

20:50 Investment Risks and Market Trends

21:07 Gold Coast Real Estate Boom

23:23 Perth's Economic Evolution

26:14 Housing Affordability Challenges

30:49 The Impact of Stamp Duty and Land Tax

38:08 Reflections and Personal Insights

40:57 Closing Remarks and Community Engagement

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Music from #Uppbeat

https://uppbeat.io/t/andrey-rossi/seize-the-day

License code: UVSF5JTJM8QUZNXZ

Produced by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

#Australianproperty #perthproperty #propertyinvestment #MichaelKilliner #MelbourneProperty #PodwaveStudios

Welcome back to That Backyard Property Pod for another mini episode!In this episode, we're tackling all things offers in the current hot property market, focusing especially on Perth. If you're buying a property and not using a buyer's agent, this episode is perfect for you.With fierce competition, often seeing at least five other offers on the table, it's crucial to present an ideal offer. Forget the rumors about prices being $100k over asking; agents are often pricing low to attract interest.Tune in to see how you can benefit!

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Chapters:

00:00 Introduction to the Episode

00:37 Understanding the Perth Property Market

00:59 Challenges in Getting Offers Accepted

02:09 Key Components of an Ideal Offer

03:51 Importance of Finance in Offers

05:53 Cash Offers Explained

06:57 Settlement Period Considerations

09:27 Recap and Final Thoughts

11:02 Exciting News and Conclusion

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General advice only and not personal advice. CRN 485467

Produced by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

#Realestate #MichaelKilliner #PodwaveStudios

Welcome back to That Backyard Property Pod! In this episode, Michael sits down with the phenomenal Karen Riches, a name synonymous with elite performance in Perth real estate.

But success on this level usually demands 24/7 hustle... and Karen operates differently. Discover how she built a resilient real estate empire while maintaining a strict, non-negotiable schedule.

Karen shares her journey of grit and strategy. You'll get her direct, unfiltered insights into the hot Perth market—which has seen over 40% growth—and why buyers need a brand-new approach. General advice only and not personal advice. CRN 485467

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Subscribe to my channel: / @⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ThatBackyardPropertyPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Visit my website:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://tuskfinance.com.au⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Chapters:

00:00 Introduction to Karen Riches

00:58 Balancing Work and Family Life

07:37 Karen's Journey in Real Estate

11:18 Challenges and Resilience in Real Estate

26:53 Current Property Market Insights

27:58 Market Trends and Predictions

29:05 Tips for Buyers in a Competitive Market

29:51 Navigating Different Real Estate Processes

31:22 Challenges in the Current Market

34:54 Bridging Finance: A Must-Have

37:28 Dealing with Different Market Cycles

48:04 Reflections on the Real Estate Industry

54:42 Conclusion and Final Thoughts

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Music from #Uppbeat

https://uppbeat.io/t/andrey-rossi/seize-the-day

License code: UVSF5JTJM8QUZNXZ

Produced by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

#Australianproperty #perthproperty #propertyinvestment #MichaelKilliner #MelbourneProperty #PodwaveStudios

In this mini-episode, we dive into the massive changes introduced by UBank that are shaking up the Australian property industry. A major myth in housing is that you need a 20% deposit to buy property, but UBank is proving that false, especially for investors!We break down how UBank is now allowing borrowers—including investors—to secure a loan with only a 10% deposit and completely avoid paying Mortgage Insurance. This is a huge development, potentially saving investors $15,000 to $25,000 in MI costs!Tune in to see how you can benefit!

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Subscribe to my channel: / ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ThatBackyardPropertyPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Visit my website:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://tuskfinance.com.au⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Chapters:

00:00 Introduction and Episode Overview

00:11 UBank's Industry-Changing Guarantee Scheme

00:48 Avoiding Mortgage Insurance: Various Strategies

01:45 Debunking the 20% Deposit Myth

02:59 UBank's New Policy for Investors

03:39 Understanding Equity and Investment Strategies

05:00 UBank's Competitive Edge for Investors

06:55 The Importance of Mortgage Brokers

07:18 Community Engagement and Closing Remarks

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General advice only and not personal advice. CRN 485467

Produced by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

#Realestate #MichaelKilliner #PodwaveStudios