The generational housing debate is happening in every Australian household and today we're settling it with data, not opinions.

In this mini episode, Michael breaks down the real numbers behind buying a home in 2005 vs 2025 — median prices, incomes, deposits, repayments, and price-to-income ratios.

Both sides of the argument have merit, but the data tells a more nuanced story than most people admit.

By the end of this episode you'll know exactly what each generation was up against, where the genuine pain points were, and what it all means if you're a Perth buyer trying to get into the market right now.

General advice only and not personal advice. CRN 485467

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Subscribe: https://www.youtube.com/@ThatBackyardPropertyPodcastInstagram: https://www.instagram.com/backyardpropertypod?igsh=MWhkOWx5YzJxdDc3ag==Website: https://tuskfinance.com.au

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Connect with Michael:Facebook: https://www.facebook.com/tuskfinancemkInstagram: https://www.instagram.com/mortgageswmichaelLinkedIn: https://www.linkedin.com/in/michaelkillinerTikTok: https://www.tiktok.com/@backyardpropertypodcastEmail: [email protected]

-------------------------------------Chapters:(00:00) Welcome & Episode Intro(01:15) Why This Comparison Actually Matters(02:30) Buying in 2005 — The Real Numbers(03:00) 2005 Median Prices, Incomes & Deposit Timeline(04:45) Buying in 2025 — The Real Numbers(05:00) 2025 Median Prices & Perth's 90% Growth(05:45) How Long It Takes to Save a Deposit Today(06:15) 2025 Mortgage Rates, Repayments & Serviceability Buffers(07:15) So Who Actually Had It Harder?(09:15) What Perth Buyers Should Do Right Now(10:00) First Home Guarantee, Rentvesting & Guarantor Strategies(10:45) Perth's Fundamentals — Why the Long Game Still Works(11:00) Outro & Community Call to Action

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Produced by Podwave Studios: https://www.podwavestudios.au

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#ThatBackyardPropertyPod #PerthPropertyMarket #MichaelKilliner #PerthRealEstate #WAProperty #PropertyInvesting #MarketAnalysis #PerthHousing #RealEstateAustralia #WealthCreation #PerthGrowth #Jolimont #Vash #HousingSupply #RentalCrisis #InvestingInPerth #PropertyData2026 #WestAustralia #SuburbanGrowth #PerthInvestment

In this episode of That Backyard Property Pod, we’re tackling a massive issue that hasn't been spoken about enough yet: the potential Capital Gains Tax (CGT) discount reform in the upcoming May budget.

While the media often paints property investors as wealthy "Baby Boomers," the reality is that a fast-growing group of young Australians—rentvestors—could become the collateral damage of these changes. With 54% of first-home buyers now considering rentvesting as their primary strategy to enter the market, the design of this reform matters enormously.

We unpack the real data behind the 340,000 rentvestors in Australia, run the numbers on how a discount cut from 50% to 25% actually hits your pocket, and provide a 5-step action framework you should follow before the budget lands on May 12th.

Whether you’re a 25-year-old engineer in Sydney or a professional here in Perth, this episode is essential context for your property journey.

General advice only and not personal advice. CRN 485467

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Subscribe: https://www.youtube.com/@ThatBackyardPropertyPodcast

Instagram: https://www.instagram.com/backyardpropertypod?igsh=MWhkOWx5YzJxdDc3ag==

Website: https://tuskfinance.com.au

Connect with Michael:

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

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

LinkedIn: https://www.linkedin.com/in/michaelkilliner

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

Finance: [email protected]

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Chapters:(00:00) Welcome to That Backyard Property Pod

(00:15) The May Budget & the CGT discount debate

(01:15) The "New Face" of Australian property investors

(02:00) Who are Rentvestors? The real data

(03:30) Why rentvesting is becoming mainstream in Perth & Sydney

(04:30) Worked Example: How tax changes affect a $180k gain

(05:45) The reality of the 50% vs. 25% discount

(07:15) Will existing properties be grandfathered?

(08:15) The behavioral risk: Why reducing incentives could hurt supply

(09:15) Generational injustice vs. policy design

(10:30) Action Framework: 5 things to do before May 12th

(11:45) Buying in personal names vs. bucket companies

(12:45) The 6-Year Rule: How to keep your gain tax-free

(14:00) Closing: Using investment as a bridge to homeownership

Produced by ⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠: https://www.podwavestudios.au

#ThatBackyardPropertyPod #PerthPropertyMarket #MichaelKilliner #PerthRealEstate #WAProperty #PropertyInvesting #MarketAnalysis #PerthHousing #RealEstateAustralia #WealthCreation #PerthGrowth #Jolimont #Vash #HousingSupply #RentalCrisis #InvestingInPerth #PropertyData2026 #WestAustralia #SuburbanGrowth #PerthInvestment

In this mini episode of That Backyard Property Pod, Michael explains APRA’s newly introduced lending rules, focusing on a debt-to-income cap that limits banks to issuing no more than 20% of new loans to borrowers with a DTI of 6x or higher. They outline why the rule was introduced after record investor lending through 2024–2025, clarify that it’s a quota rather than a ban, and note key exemptions such as bridging loans for owner-occupiers and loans for purchasing or constructing new dwellings. The episode highlights who is most affected—multi-property investors, self-employed borrowers, and those planning aggressive growth in 2026—and shares five actions: calculate your DTI, speak to a broker early, consider non-bank lenders, use new-build exemptions, and reduce existing liabilities.General advice only and not personal advice. CRN 485467--------------------------------------Subscribe: https://www.youtube.com/@ThatBackyardPropertyPodcastInstagram: https://www.instagram.com/backyardpropertypod?igsh=MWhkOWx5YzJxdDc3ag==Website: https://tuskfinance.com.auConnect with Michael: Facebook: https://www.facebook.com/tuskfinancemkInstagram: https://www.instagram.com/mortgageswmichael LinkedIn: https://www.linkedin.com/in/michaelkillinerTikTok: https://www.tiktok.com/@backyardpropertypodcastTusk Finance: broker@tuskfinance.com.au--------------------------------------Chapters:(00:00) New Lending Rules Intro(00:34) APRA Changes Explained(01:42) Why APRA Stepped In(02:37) DTI Cap Breakdown(03:58) Exemptions And Limits(04:43) Who Gets Hit Hardest(05:54) Guardrail Not Handbrake(06:44) Five Step Action Plan(08:22) Big Picture Strategy(08:58) Key Takeaways Recap(10:39) Closing And Next EpisodeProduced by ⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠: https://www.podwavestudios.au #ThatBackyardPropertyPod #PerthPropertyMarket #MichaelKilliner #PerthRealEstate #WAProperty #PropertyInvesting #MarketAnalysis #PerthHousing #RealEstateAustralia #WealthCreation #PerthGrowth #Jolimont #Vash #HousingSupply #RentalCrisis #InvestingInPerth #PropertyData2026 #WestAustralia #SuburbanGrowth #PerthInvestment

If you’ve owned property in Perth for at least five years, your home's value has likely skyrocketed up to 90% in some areas. But most homeowners don't realise they are sitting on a "wealth-building engine" known as Debt Recycling.In this episode of That Backyard Property Pod, we break down how to legally restructure your non-deductible home loan into tax-deductible investment debt. This isn't just about buying another property; it's about making your current debt work for you instead of against you.General advice only and not personal advice. CRN 485467--------------------------------------Key Takeaways:The 4-Step Strategy: How to pay down your home loan and build an investment portfolio simultaneously.Why Perth is the "Sweet Spot": Why WA’s nation-leading growth and strong economy make this the perfect time to start.The "Contamination" Trap: The #1 mistake DIY investors make that ruins their tax benefits.Is it for you? The specific income and equity benchmarks you need to safely execute this strategy.--------------------------------------Subscribe: https://www.youtube.com/@ThatBackyardPropertyPodcastInstagram: https://www.instagram.com/backyardpropertypod?igsh=MWhkOWx5YzJxdDc3ag==Website: https://tuskfinance.com.auConnect with Michael: Facebook: https://www.facebook.com/tuskfinancemkInstagram: https://www.instagram.com/mortgageswmichael LinkedIn: https://www.linkedin.com/in/michaelkillinerTikTok: https://www.tiktok.com/@backyardpropertypodcastTusk Finance: broker@tuskfinance.com.au--------------------------------------Chapters:00:00 Why Perth homeowners are sitting on a goldmine 01:58 Debt Recycling vs. Traditional Investing 02:55 The 4-Step Process Explained 04:21 Real-World Example: A home in Floreat 05:30 Why the WA Economy is "Fuel" for this strategy 07:12 Who this strategy is (and isn't) for 08:00 The most important person on your team 10:00 Summary: Three things you need to knowProduced by ⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠: https://www.podwavestudios.au #ThatBackyardPropertyPod #PerthPropertyMarket #MichaelKilliner #PerthRealEstate #WAProperty #PropertyInvesting #MarketAnalysis #PerthHousing #RealEstateAustralia #WealthCreation #PerthGrowth #Jolimont #Vash #HousingSupply #RentalCrisis #InvestingInPerth #PropertyData2026 #WestAustralia #SuburbanGrowth #PerthInvestment

In this mini episode of That Backyard Property Pod, we break down one of the most frequent questions from investors: should you choose an Interest Only or a Principal and Interest (P&I) loan structure? With recent interest rate hikes, choosing the wrong structure could mean paying too much monthly or missing out on thousands in legitimate tax benefits. We explore the fundamental differences between these two repayment types, the specific tax advantages of interest-only loans for high-income earners, and a clear framework to help you decide which path fits your current stage of the investment journey.

Whether you are focused on maximizing cash flow today or building equity for tomorrow, this episode provides the numbers and the strategy you need to review your current portfolio.

General advice only and not personal advice. CRN 485467

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Key Takeaways:

The mechanics of Interest Only vs. Principal and Interest repayments.

Why interest-only loans can provide a significant tax advantage for investors in higher tax brackets.

How to use loan structures to manage your monthly cash flow more effectively.

The importance of reviewing your loan structure at least every 12 months.

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

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TikTok: /⁠⁠⁠⁠⁠⁠⁠⁠@backyardpropertypodcast⁠⁠⁠⁠⁠⁠⁠⁠

Tusk Finance Email: [email protected]

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Chapters:

(00:00) Welcome and Setup(00:32) Big Investor Question01:31) Rates and Why It Matters(02:15) Loan Types Explained(02:58) Real Repayment Numbers(04:03) Tax Deduction Breakdown(05:26) Accountant Disclaimer Plug(06:21) Choosing the Right Structure(08:14) Recap and Next Steps(09:13) Subscribe and Wrap Up

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Produced by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

#ThatBackyardPropertyPod #PerthPropertyMarket #MichaelKilliner #PerthRealEstate #WAProperty #PropertyInvesting #MarketAnalysis #PerthHousing #RealEstateAustralia #WealthCreation #PerthGrowth #Jolimont #Vash #HousingSupply #RentalCrisis #InvestingInPerth #PropertyData2026 #WestAustralia #SuburbanGrowth #PerthInvestment

Since October 2025, over 22,000 first-home buyers have flooded the Australian property market using the expanded First Home Guarantee scheme. But is a 5% deposit a dream come true or a financial ticking time bomb? In this mini episode, we break down the "remarkable" 75% jump in scheme usage and what it means for your mortgage in a rising interest rate environment.

General advice only and not personal advice. CRN 485467

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Key Takeaways:The Statistics: Why nearly 23,000 Australians jumped on the new scheme in just four months.The "95% Reality": Understanding the long-term cost of a high-leverage loan and why your interest rate matters more than ever.Perth Market Insight: How local buyers are using this tool to bypass years of saving while facing record-low supply.The Strategy: How to use the guarantee as a "wealth-building accelerator" without letting the excitement override your financial discipline.

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Subscribe to my channel: / @⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ThatBackyardPropertyPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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

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TikTok: /⁠⁠⁠⁠⁠⁠⁠@backyardpropertypodcast⁠⁠⁠⁠⁠⁠⁠

Tusk Finance Email: [email protected]

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Chapters:

(00:00) Welcome and Subscribe

(00:32) Scheme Surge Explained

(02:22) What Changed in October

(03:39) How the Guarantee Works

(05:18) Perth Numbers Breakdown

(07:15) Rate Hikes and Stress

(10:00) Three Ways to Protect

(11:26) Final Thoughts and Wrap

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Produced by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

#ThatBackyardPropertyPod #PerthPropertyMarket #MichaelKilliner #PerthRealEstate #WAProperty #PropertyInvesting #MarketAnalysis #PerthHousing #RealEstateAustralia #WealthCreation #PerthGrowth #Jolimont #Vash #HousingSupply #RentalCrisis #InvestingInPerth #PropertyData2026 #WestAustralia #SuburbanGrowth #PerthInvestment

In this episode of That Backyard Property Podcast, we sit down with Blake Lieschke, Director of Validated Group , to pull back the curtain on the Perth property market. With over 22 years in the valuation space, Blake shares his "accidental" journey from state government work to finding high-value "unicorns" in the commercial and industrial sectors.General advice only and not personal advice. CRN 485467

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Tusk Finance Email: /⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠

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Chapters:

(00:00) Quality Assets and Yields

(01:42) What Home Means

(03:09) Valuation Data Systems

(04:02) Career Journey and Cycles

(08:09) Residential vs Commercial Basics

(10:47) Commercial Leases and Yield Compression

(14:23) Supply Constraints and Land Policy

(16:56) Office Market and Asset Quality

(19:04) Value Add Opportunities

(23:46) Commercial Price Sweet Spots

(25:49) Avoiding Costly Mistakes

(27:27) Pulling the Trigger

(29:27) Perth Market Reality Check

(35:12) Stamp Duty and Mobility

(39:36) Buyers Agents Pros and Cons

(44:57) Pride Lessons and Wrap UpProduced by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Subscribe for more Perth property insights every Tuesday!

#PerthProperty #RealEstateAustralia #PropertyMarket2026 #FirstHomeBuyer #PerthRealEstate #MortgageBroker #InvestingAustralia #HomeBuyingTips #Podcast #TuskFinance

Perth has just lived through one of the most significant wealth creation events in its history. From a median house price of $530,000 in early 2021 to hitting the $1 million mark in early 2026, the market has undergone a total transformation.In this mini episode, Michael Killiner breaks down the "Chapter by Chapter" story of how Perth went from being the most undervalued capital city in Australia to leading the nation in growth. We look past the luck and deep-dive into the structural forces—population pressure, a construction industry under strain, and a rental crisis—that created this perfect storm. General advice only and not personal advice. CRN 485467

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Inside This Episode:The 90% Growth Story: How Perth outperformed Sydney and Melbourne by a massive margin over the last five years.The Pandemic Paradox: Why closed borders and shifting migration patterns built the foundation for a price surge.The Supply Gap: Why the building industry fell short of annual needs by 4,000+ homes, even in its best years.The Rental Feedback Loop: Analyzing the staggering data of 119,000 new residents vs. only 694 new rental dwellings.2026 Forecast: What the moderation of growth means for long-term investors and why listings remain at record lows.--------------------------------------Follow the podcast

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Tusk Finance Email: [email protected]

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Chapters:

(00:00) Welcome and Subscribe

(00:27) Perth Up 90 Percent

(02:28) Pre 2021 Undervalued

(03:06) COVID Border Shock

(04:01) Migration Surge 2022

(04:47) Construction Supply Crunch

(05:54) Vacancy Rate Collapse

(07:39) Suburbs and Listings 2024-25

(09:04 2025 Market Snapshot

(09:50) Where Things Stand 2026

(10:49) Investor Outlook 2026

(11:37) Key Takeaways and Wrap--------------------------------------

Produced by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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In this episode of That Backyard Property Pod, we dive deep into the world of tax and wealth creation with Ben Elliot, Managing Director of KHT Accounting and Wealth.

Ben breaks down why he believes Australia is currently facing a "tax grab" and what the proposed Capital Gains Tax (CGT) changes—including a potential reduction of the 50% discount—could mean for your investment strategy.

We also explore the concept of broad tax reform, discussing whether a shift toward higher GST and lower income tax could drive national productivity.

General advice only and not personal advice. CRN 485467

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Chapters:

(00:00) Show Intro And Guest

(01:23) Home Renovation Plans

(02:58 Pool Costs And Inflation

(03:56) Are We Taxed Too Much

(08:41) CGT Discount Changes

(13:48) Tax Reform And GST

(17:07) Debt Recycling Basics

(22:39) ATO Red Flag Methods

(24:08) Debt Recycling Green Light

(24:51) Wealth Building Beyond Super

(25:38) Upgrading Home Deductibility Trap

(27:27) Offset Accounts and Selling Strategy

(28:52) Six Year Rule Explained

(32:38) ATO Family Trust Crackdown

(34:26) Section 100A and Distributions

(38:58) Investing via Bucket Companies

(43:51) Tax Brackets and Reform Ideas

(49:07) Pride and Final WrapProduced by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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The RBA has just increased the cash rate to 4.1%—the second hike in just two months. With banks already flagging another potential increase in May, the relief from 2025’s rate cuts is officially being wiped out.In this mini episode, we cut through the noise to explain exactly what these changes mean for your mortgage, your portfolio, and your next move in the property market. Whether you’re a first-time buyer or a seasoned investor, now is the time to move from panic to informed action.

General advice only and not personal advice. CRN 485467

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Tusk Finance Email: [email protected]

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Chapters:

00:00 Mini Episode Kickoff

01:01 RBA Hike Explained

01:51 Why Rates Rose

02:47 What It Costs You

04:15 Perth Market Context

05:42 Action Plan For Borrowers

07:45 Investors And Buyers

09:21 May Hike Outlook

10:06 Final Steps And Wrap

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Produced by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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