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

Buying and selling a property at the same time can feel like a logistical minefield. In this episode, Mike, Cate and Dave explore the strategies, risks and financial considerations involved in upgrading or downsizing.

They discuss whether it is better to buy or sell first, when bridging finance makes sense, why subject-to-sale offers can be problematic, and how settlement periods, rent-backs and early access can create valuable flexibility.

The Trio also explores loan porting, contingency planning and the importance of understanding your worst-case scenario before committing. With careful planning and the right advice, the buy-and-sell dance doesn’t have to become a disaster.

The Property Trio is: 

David Johnston, Mortgage Broker - Managing Director of Property Planning Australia https://propertyplanning.com.au/  

Cate Bakos, Buyers Advocate - Managing Director of Cate Bakos Property https://www.catebakos.com.au/  

Mike Mortlock, Quantity Surveyor - Managing Director of MCG Quantity Surveyors https://www.mcgqs.com.au/  

📩 Got a question you want answered in a future episode? Send it through https://www.propertytrio.com.au/contact-us/  

Shownotes: https://www.propertytrio.com.au/2026/08/10/buy-first-or-sell-first/

In this extended episode of The Property Trio, Cate Bakos, David Johnston and Mike Mortlock unpack the far-reaching implications of the 2026 Federal Budget and its property tax reforms.


They explore how the changes could affect property prices, rents, yields, investor behaviour and first home buyers, while discussing the risks and opportunities emerging in today's market. The trio also examines established versus new property, long-term investment strategy, potential economic impacts, and whether the reforms could eventually be repealed. If you're deciding whether to buy, hold or wait, this episode delivers practical insights to help guide your next move.

The Property Trio is: 

David Johnston, Mortgage Broker - Managing Director of Property Planning Australia https://propertyplanning.com.au/  

Cate Bakos, Buyers Advocate - Managing Director of Cate Bakos Property https://www.catebakos.com.au/  

Mike Mortlock, Quantity Surveyor - Managing Director of MCG Quantity Surveyors https://www.mcgqs.com.au/  

📩 Got a question you want answered in a future episode? Send it through https://www.propertytrio.com.au/contact-us/  

Shownotes: https://www.propertytrio.com.au/2026/08/03/after-the-budget/

Australia's proposed negative gearing changes are designed to encourage investment in new housing, but could there be unintended consequences for renters?

In this episode, The Property Trio explores exclusive research from MCG Quantity Surveyors and Suburbtrends, analysing more than 180,000 rental listings to uncover the true cost of brand-new housing.

The trio discuss why new properties command higher rents, how the findings vary across Australia's capital cities, and what this means for investors weighing tax benefits against long-term performance. It's a balanced, data-driven conversation about housing affordability, rental supply and making smarter property decisions in a changing policy landscape.

The Property Trio is: 

David Johnston, Mortgage Broker - Managing Director of Property Planning Australia https://propertyplanning.com.au/  

Cate Bakos, Buyers Advocate - Managing Director of Cate Bakos Property https://www.catebakos.com.au/  

Mike Mortlock, Quantity Surveyor - Managing Director of MCG Quantity Surveyors https://www.mcgqs.com.au/  

📩 Got a question you want answered in a future episode? Send it through https://www.propertytrio.com.au/contact-us/  

Shownotes: https://www.propertytrio.com.au/2026/07/27/the-new-build-negative-gearing-trap/

This week, Cate and Dave answer a thoughtful listener question from Scott, who is approaching retirement with five investment properties, positive cash flow and a big decision to make.

Should he borrow to buy a $500,000 Melbourne apartment, or focus on preserving wealth?

Dave explores retirement planning, portfolio purpose, debt and cash flow, while Cate examines whether Melbourne's affordable apartments and units could benefit from changing investor behaviour following the recent negative gearing reforms. T

hey also discuss investment-grade apartment selection, owner's corporation costs, and long-term capital growth prospects. This is a practical conversation for investors planning their next chapter.

The Property Trio is: 

David Johnston, Mortgage Broker - Managing Director of Property Planning Australia https://propertyplanning.com.au/  

Cate Bakos, Buyers Advocate - Managing Director of Cate Bakos Property https://www.catebakos.com.au/  

Mike Mortlock, Quantity Surveyor - Managing Director of MCG Quantity Surveyors https://www.mcgqs.com.au/  

📩 Got a question you want answered in a future episode? Send it through https://www.propertytrio.com.au/contact-us/  

Shownotes:
https://www.propertytrio.com.au/2026/07/20/the-retirement-countdown/

June's market update reveals a property market adjusting to powerful policy changes. The Trio unpack slowing momentum across every capital city, the combined impact of Budget Night tax reforms and three consecutive interest rate rises, and why cautious buyers and retreating investors are reshaping the landscape.

Tight vacancy rates and rental growth continue to pose a threat to renters, with gross rental yields continuing to climb.

The Trio explore whether Spring will deliver a larger volume of stock, and if so, will sentiment improve in time? Or could supply outpace demand? These are interesting times...

The Property Trio is: 

David Johnston, Mortgage Broker - Managing Director of Property Planning Australia https://propertyplanning.com.au/  

Cate Bakos, Buyers Advocate - Managing Director of Cate Bakos Property https://www.catebakos.com.au/  

Mike Mortlock, Quantity Surveyor - Managing Director of MCG Quantity Surveyors https://www.mcgqs.com.au/  

📩 Got a question you want answered in a future episode? Send it through https://www.propertytrio.com.au/contact-us/  

Shownotes: https://www.propertytrio.com.au/2026/07/13/ep-370-june-2026-market-update/

Australia's negative gearing changes have created an important opportunity for existing homeowners that many people have overlooked. In this episode, Cate, Dave and Mike explain how grandfathering rules could allow eligible homeowners to retain negative gearing benefits if they later convert their home into an investment property.

The trio explores why mortgage structure matters, the strategic use of interest-only lending and offset accounts, and how repayment choices made today can influence future tax outcomes. They also discuss upgrade-and-retain strategies, rentvesting, cash flow management and the importance of seeking advice before making property or lending decisions.

The Property Trio is: 

David Johnston, Mortgage Broker - Managing Director of Property Planning Australia https://propertyplanning.com.au/  

Cate Bakos, Buyers Advocate - Managing Director of Cate Bakos Property https://www.catebakos.com.au/  

Mike Mortlock, Quantity Surveyor - Managing Director of MCG Quantity Surveyors https://www.mcgqs.com.au/  

📩 Got a question you want answered in a future episode? Send it through https://www.propertytrio.com.au/contact-us/  

Shownotes: https://www.propertytrio.com.au/2026/07/06/a-negative-gearing-option-open-to-millions/

The latest research from the Reserve Bank of Australia offers a fascinating snapshot of who really owns Australia's investment properties, and it challenges many common assumptions.

Cate Bakos and Mike Mortlock unpack the data, revealing that most investors own just one property, while only a small minority build large portfolios. They explore what an ageing investor population, borrowing capacity, leverage and proposed tax changes could mean for the future of housing and rental supply.

This episode offers a balanced, evidence-based discussion that cuts through the headlines to explain what the numbers really tell us about Australia's property investors and the housing market.

The Property Trio is: 

David Johnston, Mortgage Broker - Managing Director of Property Planning Australia https://propertyplanning.com.au/  

Cate Bakos, Buyers Advocate - Managing Director of Cate Bakos Property https://www.catebakos.com.au/  

Mike Mortlock, Quantity Surveyor - Managing Director of MCG Quantity Surveyors https://www.mcgqs.com.au/  

📩 Got a question you want answered in a future episode? Send it through https://www.propertytrio.com.au/contact-us/  

Shownotes: https://www.propertytrio.com.au/2026/06/29/what-the-rba-data-reveals-about-australias-rental-market/

This week, The Trio answer a fascinating listener question from Tom, who has built a $12 million property portfolio and is now facing a different challenge: where should future capital go?

Cate and Mike discuss the shift from accumulation to optimisation, comparing property, shares and superannuation as wealth-building tools. They explore the role of leverage, debt reduction and how age and working horizons influence risk. The episode also examines the hidden costs of large interstate portfolios, the increasing workload that comes with mature assets, and why simplicity becomes more valuable as retirement approaches.

Plus, Cate reveals what she'd analyse first before making the next move.

The Property Trio is: 

David Johnston, Mortgage Broker - Managing Director of Property Planning Australia https://propertyplanning.com.au/  

Cate Bakos, Buyers Advocate - Managing Director of Cate Bakos Property https://www.catebakos.com.au/  

Mike Mortlock, Quantity Surveyor - Managing Director of MCG Quantity Surveyors https://www.mcgqs.com.au/  

📩 Got a question you want answered in a future episode? Send it through https://www.propertytrio.com.au/contact-us/  

Shownotes: https://www.propertytrio.com.au/2026/06/22/wealth-building-balancing-act/

May's property market delivered a fascinating mix of results, with Melbourne and Sydney recording price declines while Perth and Darwin continued their remarkable growth.

In this month's market update, Cate Bakos and Mike Mortlock unpack the latest data and discuss what's really happening beneath the headlines.They explore the impact of proposed investor tax changes, shifting buyer sentiment, rental growth, housing supply challenges and the implications for investors, homeowners and first-home buyers.

The episode also examines listings activity, gross rental yields, interest rate expectations and broader economic indicators influencing property markets around the country. Join The Property Trio as they cut through the noise, analyse the trends and share their insights on what buyers and investors should be watching in the months ahead.

The Property Trio is: 

David Johnston, Mortgage Broker - Managing Director of Property Planning Australia https://propertyplanning.com.au/  

Cate Bakos, Buyers Advocate - Managing Director of Cate Bakos Property https://www.catebakos.com.au/  

Mike Mortlock, Quantity Surveyor - Managing Director of MCG Quantity Surveyors https://www.mcgqs.com.au/  

📩 Got a question you want answered in a future episode? Send it through https://www.propertytrio.com.au/contact-us/  

Shownotes:
https://www.propertytrio.com.au/2026/06/15/ep-366-may-2026-market-update/

With interest rates rising and household budgets under pressure, many borrowers are looking for ways to reduce the cost of their home loans. In this episode, Cate, Dave and Mike explore practical strategies to improve cash flow, including negotiating with lenders, refinancing, reviewing loan structures and making better use of offset accounts.

The Trio explain why advertised rates don't always tell the full story and highlights the value of working with a strategic mortgage broker. Whether you're an owner-occupier or investor, this episode offers actionable insights to help ensure your lending is working as hard as possible.

Download your free copy of Dave’s Money Management Principles – the 7 Steps to Success: https://www.propertyplanning.com.au/money-management-principles

Read David's Blog - How to Save Money on Your Home Loan - https://www.propertyplanning.com.au/post/how-to-save-money-on-your-home-loan

The Property Trio is: 

David Johnston, Mortgage Broker - Managing Director of Property Planning Australia https://propertyplanning.com.au/  

Cate Bakos, Buyers Advocate - Managing Director of Cate Bakos Property https://www.catebakos.com.au/  

Mike Mortlock, Quantity Surveyor - Managing Director of MCG Quantity Surveyors https://www.mcgqs.com.au/  

📩 Got a question you want answered in a future episode? Send it through https://www.propertytrio.com.au/contact-us/  

Shownotes are here:https://www.propertytrio.com.au/2026/06/08/reviewing-your-home-loan/