That Backyard Property Podcast

A $10,000 credit card limit you have not touched in years can quietly wipe around $50,000 off your borrowing power, and it is the balance that matters least. In this episode, Michael pulls the curtain back on how banks actually calculate your borrowing capacity, then breaks down a brand new investor loan that has just changed the cash flow equation.🔔 Subscribe & leave a comment with your questions, we build episodes around what YOU want to know.General advice only and not personal advice. CRN 485467In this episode:The one number that decides almost everything about your property journeyWhat the assessment rate is and why banks test you roughly 3% above your actual rateWhy second and third tier lenders assess at 1% to 2%, and what that unlocksThe back of envelope rule for owner occupied borrowing capacityThe rule for investment borrowing capacity, and how rent factors inHow negative gearing changes have cut investor capacity by at least 10%The credit card trap costing borrowers five times their limitAMP's new Equity Flex loan, 40 year terms and up to 10 years interest onlyThe detail most people will misread about how it is actually assessedWhy interest only is a strategy tool, not a shortcutSubscribe: https://youtube.com/@ThatBackyardPropertyPodcastInstagram: https://instagram.com/backyardpropertypod?igsh=MWhkOWx5YzJxdDc3ag==Website: https://tuskfinance.com.auConnect with Michael: Facebook https://facebook.com/tuskfinancemk, Instagram https://instagram.com/mortgageswmichael, LinkedIn https://linkedin.com/in/michaelkilliner, TikTok https://tiktok.com/@backyardpropertypodcast, Tusk Finance: [email protected]:(00:00) The number that decides everything(01:10) What borrowing capacity actually is(01:20) The assessment rate and the 3% buffer(02:00) Rules of thumb you can run in ten seconds(02:15) Rule one: five times income for your own home(02:32) Rule two: six times combined income for an investment(02:50) How negative gearing changes cut capacity by 10%(03:05) Rule three: the silent capacity killer(03:40) Two old cards, $100,000 of capacity gone(04:10) AMP's new Equity Flex loan explained(04:48) The detail people will misread(05:37) Who this product is actually for(05:50) The interest only catch nobody mentions(06:18) The three takeaways(07:05) Assessment rate levers and the 1% bufferProduced by Podwave Studios: https://www.podwavestudios.au#BorrowingCapacity #PropertyInvesting #AustralianProperty #PerthProperty #MortgageBroker #HomeLoans #InvestmentProperty #InterestOnly #AMPBank #EquityFlex #NegativeGearing #PropertyInvestment #FirstHomeBuyer #LoanStructure #AssessmentRate #CreditCardDebt #PropertyPortfolio #TuskFinance #PropertyPodcast #ThatBackyardPropertyPod

NAB's book is down 15 to 20 percent and Westpac's is down 30 percent, and every capital city in the country just recorded two consecutive weeks of negative growth. In this episode, Michael sits down with Reece Beddall, Director of Follio and host of the number one property podcast in the country, to cut through the noise and put real data behind where the Perth market goes next.🔔 Subscribe & leave a comment with your questions, we build episodes around what YOU want to know.General advice only and not personal advice. CRN 485467In this episode:Why East Coast investors are quietly exiting Perth after 100 percent plus gainsThe affordability index, and how it predicted Brisbane topping out at exactly 47 percentWhy Perth still has at least 13 percent of house price growth left in the tankThe price brackets still moving in Perth, and the one where nobody is showing up to viewingsWhat a 15 to 30 percent drop in the major lenders' books actually signalsWhy Perth is 32,000 homes short and what happens when sentiment turnsWhether the proposed R20 zoning changes should change your buying strategyThe two year timeline nobody mentions before you buy a subdivision blockWhy Hobart and Darwin look great on paper and still worry ReeceSubscribe:https://youtube.com/@ThatBackyardPropertyPodcastInstagram: https://instagram.com/backyardpropertypod?igsh=MWhkOWx5YzJxdDc3ag==Website: https://tuskfinance.com.auConnect with Michael: Facebook https://facebook.com/tuskfinancemk, Instagramhttps://instagram.com/mortgageswmichael, LinkedIn https://linkedin.com/in/michaelkilliner, TikTok https://tiktok.com/@backyardpropertypodcast, Tusk Finance: [email protected]:(00:00) Investors are starting to exit Perth(00:39) Welcome back, Reece Beddall(01:04) Green shoots after six weeks of hesitation(01:45) The two speed economy is now every capital city(02:47) Brisbane hits its affordability ceiling(04:45) Where Perth actually sits right now(05:20) REIWA's president on East Coast investors cashing out(06:25) The brackets still selling, and the one that stalled(08:12) NAB down 20 percent, Westpac down 30 percent(08:38) Perth's runway: 13 percent on houses, 40 percent on units(11:08) Perth is 32,000 homes short(12:26) Do the R20 changes alter the strategy?(15:10) Are Darwin and Hobart a buy?(16:20) The 70 percent number that concerns Reece(18:08) Data can tell either storyProduced by Podwave Studios: https://www.podwavestudios.au#PerthProperty #PerthRealEstate #AustralianProperty #PropertyInvesting #PerthPropertyMarket #ReeceBeddall #Follio #TuskFinance #ThatBackyardPropertyPodcast #PropertyMarket2026 #NegativeGearing #InvestmentProperty #HousingMarketAustralia #PerthHousing #BuyersAgent #RBA #InterestRates #Subdivision #HobartProperty #DarwinProperty

Perth property prices are still climbing nearly 24% in the past year while Sydney and Melbourne drag the national market down for a third straight month. In this mini episode, Michael breaks down the real reason Perth keeps defying the trend, and it's not what you'd expect.🔔 Subscribe & leave a comment with your questions, we build episodes around what YOU want to know.General advice only and not personal advice. CRN 485467---------------------------------In this episode:Why Perth prices keep rising while the rest of Australia fallsThe real story behind Perth's growth: supply, not demandWhy building approvals are up but home starts are fallingThree reasons the construction pipeline is jammedWhy apartment approvals fell nearly 30%How jobs, economic growth and oil prices feed into housing costsWhat Ray White's chief economist says about clashing rate and housing policyWhy sitting in cash could be costing you more than you thinkThe inflation mindset shift for building long term wealth---------------------------------Timecodes: (00:00) Perth vs the falling national market(00:38) Four things you'll learn today(01:11) Cotality figures: Sydney, Melbourne, Perth compared(01:47) The real story is supply, not demand(02:07) Building approvals hit a high, but there's a trap(02:42) Approvals vs starts: the pipeline flips(02:58) Three reasons the pipeline is jammed(03:32) Apartment approvals fall almost 30%(03:43) Nerida Conisbee on clashing rate and housing policy(04:29) Jobs, growth and oil: the wider economy(05:19) What this means for buyers, upgraders and owners(05:47) Michael's take: cash vs debt in an inflationary world(06:59) The inflation mandate explained(07:46) Quick recap(08:22) Subscribe and see you TuesdaySubscribe: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/mortgageswmichaelLinkedIn: https://www.linkedin.com/in/michaelkillinerTikTok: https://www.tiktok.com/@backyardpropertypodcastTusk Finance: [email protected] by Podwave Studios: https://www.podwavestudios.au#PerthProperty #PerthPropertyMarket #PropertyInvesting #AustralianPropertyMarket #RealEstateAustralia #PropertyInvestment #HousingSupply #ConstructionCosts #InterestRates #RBA #Inflation #WealthBuilding #PropertyPrices #BuildingApprovals #PerthRealEstate #AustralianEconomy #MortgageBroker #TuskFinance #ThatBackyardPropertyPodcast #PropertyPodcast

$32,000. That's the stamp duty bill on an $850,000 first home in WA, on top of a $44,000 deposit. In this episode, Michael sits down with Trent Fleskens, Managing Director of Strategic Property Group and host of The Perth Property Show, to unpack why Perth's rising listings might just be a reset, not a downturn, and what needs to change for young buyers to get a fair shot.🔔 Subscribe & leave a comment with your questions, we build episodes around what YOU want to know.General advice only and not personal advice. CRN 485467In this episode:Why rising listings might be a market reset rather than a warning signWhat a 30 percent drop in investment lending means for buyers and brokersWhen Trent expects the next RBA rate move and whyWhere the real opportunities are in today's Perth marketHow new R-Code changes could unlock thousands of infill sitesWhy Trent believes Perth's blue-chip suburbs stretch far beyond the Golden TriangleWhat happens as East Coast investors start selling out of PerthWhy Trent calls stamp duty a disgusting tax, and what should replace itWhat Trent has learned building Strategic Property Group and becoming a dadSubscribe:https://youtube.com/@ThatBackyardPropertyPodcastInstagram: https://instagram.com/backyardpropertypod?igsh=MWhkOWx5YzJxdDc3ag==Website: https://tuskfinance.com.auConnect with Michael: Facebook https://facebook.com/tuskfinancemk, Instagram https://instagram.com/mortgageswmichael,LinkedIn https://linkedin.com/in/michaelkilliner,TikTok https://tiktok.com/@backyardpropertypodcast, Tusk Finance: [email protected]:00:00 Is this the market reset or something deeper00:52 Welcome back and meet Trent Fleskens01:22 Listings pushing toward 7,00003:10 What a healthy market actually looks like05:26 Investment lending down 30 percent, who feels it07:35 When will the next rate cut land09:47 Where the real opportunities are right now11:50 The R-Code changes explained14:41 Will infill actually deliver more supply17:05 Blue-chip Perth beyond the Golden Triangle18:16 East Coast investors selling out20:19 Is Perth becoming a two-tier market23:20 What actually drives Melbourne versus Perth27:09 Could stamp duty ever be scrapped29:11 The real cost of stamp duty for first home buyers32:41 What NSW's land tax experiment showed34:53 What's next for Strategic Property Group37:39 Being a business owner and a dadProduced by Podwave Studios: https://www.podwavestudios.au#PerthPropertyMarket #PerthRealEstate #WAProperty #PropertyInvesting #RealEstateAustralia #StampDuty #FirstHomeBuyer #PropertyDevelopment #PerthSuburbs #InfillDevelopment #RCodeReform #PropertyMarketUpdate #RealEstateInvesting #AustralianEconomy #InterestRates #RBA #TuskFinance #ThatBackyardPropertyPodcast #PropertyPodcast #PerthWA #LandTax

The odds of an August rate hike just collapsed from 21% to 3% in a single week. In this mini episode, Michael breaks down the inflation print that quietly changed the whole conversation around interest rates, and what it actually means for your repayments.🔔 Subscribe and leave a comment with your questions, we build episodes around what YOU want to know.General advice only and not personal advice. CRN 485467---------------------------------In this episode:Why this week's inflation print matters more than the headline number suggestsThe RBA's actual inflation target and why we're still not inside itWhat the trimmed mean measure is and why the RBA watches it closelyThe confusing mix of strong jobs data and slowing economic growthWhy services inflation and new build costs are still running hotThe real reason housing inflation just accelerated to 6.8%How rate policy and housing supply are working against each otherWhat another rate move actually costs you on a $600k mortgageWhy the fuel excise ending in August could reverse this progress---------------------------------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/mortgageswmichaelLinkedIn: https://www.linkedin.com/in/michaelkillinerTikTok: https://www.tiktok.com/@backyardpropertypodcastTusk Finance: [email protected]:(00:00) Room to breathe: the inflation print that changed things(00:30) Four things you'll walk away with(01:00) Cash rate hits 4.35% again(01:40) The jobs data that isn't what it seems(03:05) August hike odds collapse from 21% to 3%(03:30) The RBA's actual inflation target(04:20) Services and building costs still running hot(04:55) Housing accelerates to 6.8%(05:55) What it costs you on a $600k mortgage(06:30) What the economists are now saying(07:00) The oil price risk nobody's pricing in(07:45) What to actually do with this(08:20) Why you need to look under the headline(08:50) 3,000 subscribers and a big guest on TuesdayProduced by Podwave Studios: https://www.podwavestudios.au#RBA #InterestRates #AustralianEconomy #Inflation #CPI #MortgageAustralia #PropertyMarket #HomeLoans #TuskFinance #ThatBackyardPropertyPodcast #CashRate #AustralianProperty #RealEstateAustralia #FinanceAustralia #InterestRateHike #MortgageRates #HousingMarket #EconomicNews #BorrowingPower #VariableRateMortgage

A proposed change to Perth's R20 code could hand up to 50,000 property owners the ability to subdivide, dropping the minimum lot size from 900 to 700 square metres. In this episode, Michael sits down with Mark Wiedermann, director of ANWEST Lifestyle, to unpack the 2024 granny flat law changes, how positively geared secondary dwellings could help offset new tax rules, and what it actually takes to build one in your backyard.🔔 Subscribe & leave a comment with your questions, we build episodes around what YOU want to know.General advice only and not personal advice. CRN 485467In this episode:Why the 2024 law change removed planning approval for granny flats but not the riskWhat still needs a building permit and why build quality hasn't changedWho is actually building granny flats right now, from families to investorsHow positively geared secondary dwellings could help offset the new tax rulesReal numbers on rental income when you add a second dwelling to a propertyHow much land you actually need to fit a granny flat on your blockThe biggest misconceptions homeowners have about setbacksWhy modular builds are becoming the future amid a growing tradie shortageThe proposed R20 change that could let 50,000 Perth properties subdivideMark's own leap from a corporate executive career into building this businessSubscribe:https://youtube.com/@ThatBackyardPropertyPodcastInstagram: https://instagram.com/backyardpropertypod?igsh=MWhkOWx5YzJxdDc3ag==Website: https://tuskfinance.com.auConnect with Michael: Facebookhttps://facebook.com/tuskfinancemk, Instagramhttps://instagram.com/mortgageswmichael, LinkedInhttps://linkedin.com/in/michaelkilliner, TikTokhttps://tiktok.com/@backyardpropertypodcast, Tusk Finance: [email protected]:(00:00) The backyard question every Perth homeowner is asking(01:00) Meet Mark Wiedermann, director of ANWEST Lifestyle(02:00) The 2024 change that removed planning approval, and its hidden risk(03:00) Why the building permit still protects build quality(05:00) Who's actually building granny flats: families vs investors(06:00) Positively geared properties and the new tax rules explained(08:00) Real numbers: rent, CGT and the positive gearing math(10:00) How much land you actually need for a granny flat(12:00) The biggest misconceptions about setbacks and utilities(14:00) Timeline: permit to move in ready in 16 weeks(16:00) Modular builds and the looming tradie shortage(17:30) The R20 proposal: lot size drops from 900 to 700 square metres(20:00) The NIMBY debate: what happens to my street(23:00) Subdivide or build a granny flat: how to decide(25:00) Mark's leap from corporate executive to business owner(31:00) Final thoughts and where to send your questionsProduced by Podwave Studios: https://www.podwavestudios.au#PerthProperty #GrannyFlat #SecondaryDwelling #PropertyInvesting #AustralianProperty #RealEstateInvesting #WAPropertyMarket #RCodes #Subdivision #PositiveGearing #PropertyPodcast #PerthRealEstate #InvestmentProperty #RentalIncome #ModularHomes #PropertyMarket #WesternAustralia #PerthHousing #PropertyStrategy #FinancePodcast

In late 2024, 97% of all new home loan funding in Australia was variable rate, just 3% was fixed. In this episode, Michael breaks down why Australians can't get a 30 year fixed mortgage like Americans can, and whether that should change.🔔 Subscribe and leave a comment with your questions, we build episodes around what YOU want to know.General advice only and not personal advice. CRN 485467---------------------------------In this episode:Why Australian banks can't offer 30 year fixed home loansHow banks actually fund the mortgage they lend youThe borrow short, lend long problem explained simplyWhy 97% of new Australian loans are variable rateHow America uses Fannie Mae and Freddie Mac to offer 30 year fixed loansA new report calling out how much risk Australian borrowers carryFour proposed reforms including tracker mortgages and LMI changesThe hidden catch with long term fixed ratesWhy choice, not just fixing for longer, is what actually matters---------------------------------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/mortgageswmichael⁠LinkedIn: ⁠https://www.linkedin.com/in/michaelkilliner⁠TikTok: ⁠https://www.tiktok.com/@backyardpropertypodcast⁠Tusk Finance: [email protected]:(00:00) Why can't Australians lock in a 30 year mortgage(00:34) America locks rates for 30 years, Australia caps at 5(01:20) 97% of new Australian loans are variable(02:52) Where banks actually get the money they lend you(04:47) Why borrowing short and lending long changes everything(05:56) How Fannie Mae and Freddie Mac make US fixed rates possible(07:55) The report saying Australian borrowers carry too much risk(09:03) Reform 1, building a long term fixed rate market(09:19) Reform 2, tracker mortgages that follow the cash rate(10:18) Reform 3, reforming lenders mortgage insurance(11:12) Reform 4, standardizing hardship support(11:27) The catch with long term fixed rates(13:46) Four key takeaways recapProduced by Podwave Studios: https://www.podwavestudios.au#AustralianProperty #MortgageBroker #FixedRateMortgage #VariableRate #RBACashRate #HomeLoans #PropertyInvesting #TuskFinance #ThatBackyardPropertyPod #MortgageStress #InterestRates #FinanceTips #PropertyMarket #LendersMortgageInsurance #TrackerMortgage #BorrowingPower #AustralianFinance #HomeLoanTips #RealEstateAustralia #MortgageRates

A $10,000 investment into a one year old's superannuation account, growing at 10% a year, becomes $1 million by the time they turn 60. In this episode, Michael sits down with financial advisor Nick Menegola from Capital Partners to break down exactly how to invest for your kids, from bare trusts and investment bonds to the truth behind the "CGT free after 10 years" marketing claim.🔔 Subscribe & leave a comment with your questions — we build episodes around what YOU want to know.General advice only and not personal advice. CRN 485467---------------------------------In this episode:The best structures for investing in your child's name: bare trusts, kids accounts, and investment bondsWhether investment bonds really are CGT free after 10 years, and the tax detail often left out of the marketingWhere to invest just $20 a week without brokerage fees eating your returnWhy concessional super contributions rarely make sense for kids, and when the government's co contribution can double your moneyThe compound interest timeline and how even 1% of your salary can create $300,000 by retirementMichael's three jar system for teaching a six year old to save, spend, and giveThree practical strategies every parent can start tomorrow, at any income levelWhy index funds and ETFs outperform 85% of stock pickers, and how COVID proved itHow the latest budget changes affect share market and trust investing for families---------------------------------Timecodes: (00:00) Cold open: the $10k super account trick(00:56) Welcome Nick Menegola from Capital Partners(01:25) Today's topic: investing for kids(01:50) Nick's first investing memory at age 12(04:20) Getting kids interested before getting it perfect(06:00) Whose name should you invest in(07:10) Kids accounts and bare trusts explained(07:40) Kids super funds and investment bonds(09:00) Investment bonds vs education bonds(09:25) Is the "CGT free after 10 years" claim true(11:20) Best strategy if you can only invest $20 a week(12:52) Concessional contributions into a child's super(14:30) The government co contribution scheme(15:15) Compound interest and getting the timing right(16:30) How 1% of your salary becomes $300k(17:35) The three jar system: save, spend, give(21:15) Three strategies every parent should implement tomorrow(25:10) Are we overthinking investing(28:35) How ETFs changed the game(31:35) How the new budget affects share investing(34:15) Nick's final advice for parentsSubscribe: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/mortgageswmichaelLinkedIn: https://www.linkedin.com/in/michaelkillinerTikTok: https://www.tiktok.com/@backyardpropertypodcastTusk Finance: [email protected] by Podwave Studios: https://www.podwavestudios.au#investingforkids #kidsandmoney #financialliteracy #australianfinance #wealthbuilding #superannuation #compoundinterest #familyfinance #propertypodcast #ausfinance #parentingtips #investmentbonds #baretrust #indexfunds #etfinvesting #capitalpartners #thatbackyardpropertypod #tuskfinance #moneylessons #generationalwealth

A $10,000 credit card limit can quietly cost you $50,000 in borrowing power, even with a zero balance. In this episode, Michael breaks down the difference between good, bad and ugly debt, and reveals how the May federal budget just flipped the old rule about which one your home loan really is.🔔 Subscribe and leave a comment with your questions, we build episodes around what YOU want to know.General advice only and not personal advice. CRN 485467---------------------------------In this episode:Why the cash rate and the May budget change how debt worksWhat actually counts as good debtThe old rule: investment debt good, home debt badWhy negative gearing is being quarantined from July 2027How the 50% CGT discount is being replacedWhy your home loan might be the best tax-free asset you ownWhat counts as bad debt and why it should be temporaryHow a credit card limit cuts your borrowing power by 5xThe right way to rank, pay down and consolidate debt---------------------------------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/mortgageswmichaelLinkedIn: https://www.linkedin.com/in/michaelkillinerTikTok: https://www.tiktok.com/@backyardpropertypodcastTusk Finance: [email protected]:(00:00) Good Debt, Bad Debt, Ugly Debt(00:38) Why This Matters Right Now(01:00) What Is Good Debt(01:24) The Old Rule Advisors Followed(01:41) The May Budget Bombshell(02:10) Your Home: The New Tax-Free Asset(02:40) What Is Bad Debt(03:08) Ugly Debt: Credit Cards Exposed(03:44) How to Rank and Pay Down Debt(04:58) Consolidating Debt the Right Way(06:22) Stay Disciplined After ConsolidatingProduced by Podwave Studios: https://www.podwavestudios.au#AustralianProperty #PropertyInvesting #GoodDebtBadDebt #MortgageBroker #FederalBudget #NegativeGearing #CapitalGainsTax #HomeLoan #DebtManagement #CreditCardDebt #PerthProperty #TuskFinance #PropertyPodcast #FinanceTips #WealthBuilding #TaxStrategy #RefinancingAustralia #InvestmentProperty #DebtConsolidation #AustralianFinance #PropertyMarket2027

From next year, negative gearing will be gone for residential property investors unless they're buying a new build, a change that's already reshaping where smart money is flowing. In this episode, Michael sits down with Vanessa Rader, Head of Research at Ray White, to unpack the federal budget's property fallout, from commercial real estate to stamp duty, unemployment data, and the modular housing revolution set to solve Australia's tradie shortage.🔔 Subscribe & leave a comment with your questions — we build episodes around what YOU want to know.General advice only and not personal advice. CRN 485467---------------------------------In this episode:Why negative gearing is being scrapped for resi investors, but not new buildsHow the change could push more buyers into commercial propertyThe real difference between residential and commercial yieldsWhy commercial leases are far more complex than resiWhat falling stamp duty revenue means for state governmentsThe CGT discount changes and what they cost property sellersWhy unemployment data may be worse than the official numbers showWhere interest rates are headed over the next 12 to 18 monthsWhy 40% of Australia's tradies are over 50, and how modular homes could be the fix---------------------------------Timecodes: (00:00) Cold open: is unemployment data being manipulated?(01:00) Welcome Vanessa Rader, Ray White Head of Research(01:35) Federal budget changes and commercial property(02:05) Negative gearing scrapped for resi investors(04:23) Why commercial property needs bigger deposits(07:10) Stamp duty and the CGT discount changes(09:49) The land tax debate and the Victoria problem(13:29) Is unemployment data being manipulated?(18:25) Interest rate outlook for the next 12 to 18 months(22:24) Why banks are lifting fixed rates(26:09) 40% of tradies are over 50: the modular homes fix(32:03) Vacant holiday homes and the co-living trend(34:55) Why Perth, Adelaide and Brisbane aren't Sydney or Melbourne(37:23) Being greedy when others are fearfulSubscribe: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/mortgageswmichaelLinkedIn: https://www.linkedin.com/in/michaelkillinerTikTok: https://www.tiktok.com/@backyardpropertypodcastTusk Finance: [email protected] by Podwave Studios: https://www.podwavestudios.au#AustralianProperty #RealEstate #PropertyInvesting #NegativeGearing #CapitalGainsTax #StampDuty #InterestRates #RBA #CommercialProperty #ModularHomes #Construction #PerthProperty #PropertyMarket #RealEstateInvesting #Mortgage #WealthBuilding #TuskFinance #ThatBackyardPropertyPod #RayWhite #EconomicOutlook

Spend 80K renovating your own home, add 150K in value, and that 70 grand gain is completely tax free. Do the same renovation on an investment property after July 2027 and it gets taxed. In this episode, Michael sits down to break down why the budget left the family home as the only major asset in Australia where you keep 100% of the capital growth, tax free.🔔 Subscribe and leave a comment with your questions, we build episodes around what YOU want to know.General advice only and not personal advice. CRN 485467---------------------------------In this episode:Why investment property and shares just got more heavily taxed from July 2027The main residence exemption and why it was left completely untouchedThe maths behind renovating your own home for tax free capital growthThe upgrade ladder: rolling tax free gains into your next home, again and againWhy the rentvestor strategy is being reversed by younger buyersUsing your offset account for a guaranteed, tax free returnThe honest counterpoint: concentration risk and liquidity concernsWhy this isn't a one size fits all strategyThe four key takeaways every homeowner should know before acting---------------------------------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/mortgageswmichaelLinkedIn: https://www.linkedin.com/in/michaelkillinerTikTok: https://www.tiktok.com/@backyardpropertypodcastTusk Finance: [email protected]:(00:00) Why this budget episode is so topical(00:25) The rules just changed for investment property and shares(02:52) The one asset the budget left untouched(03:35) Move 1: renovating your home tax free(04:24) Move 2: the upgrade ladder(05:09) Move 3: the rentvestor reversal(05:39) Move 4: the offset account guaranteed return(06:19) The honest counterpoint: risk and liquidity(07:24) Four key takeaways(09:25) The bottom lineProduced by Podwave Studios: https://www.podwavestudios.au#PerthProperty #PerthRealEstate #PropertyMarket #BuyersAgent #PerthPropertyMarket #RealEstateAustralia #PropertyInvesting #HomeBuying #FirstHomeBuyer #SubjectToSale #BridgingFinance #PropertyTips #AustralianProperty #PerthHomes #OwnerOccupier #PropertyAdvice #RealEstateTips #HomeLoans #TuskFinance #BackyardPropertyPod

Nine weeks on the market and home open numbers less than half of what they were last year, even Perth's most experienced agents are feeling the shift. In this episode, Michael sits down with Clare Nation, director of Haven Property Central and a Subiaco and Shenton Park property expert since she was 18, for an honest look at what it actually takes to sell in this market right now.🔔 Subscribe & leave a comment with your questions — we build episodes around what YOU want to know.General advice only and not personal advice. CRN 485467---------------------------------In this episode:Why Clare calls this market considered rather than cautiousWhat's driving demand in Subiaco and Shenton Park right nowHow home open numbers compare to this time last yearTelling sellers their home is worth less than expectedAdvice for newer agents navigating a slower marketWhy buyer relationships matter as much as closing the saleHow Clare protects her energy and avoids burnoutThe story behind rebranding from The Property Exchange to HavenWorking alongside her daughter Brittany and what she's learned from her---------------------------------Timecodes: 00:00 Introduction: the toughest home open in years00:35 Welcome Clare Nation from Haven Property Central01:40 Why Clare got into real estate at 1803:00 Subiaco and Shenton Park in 202606:20 Becoming Subiaco's go to agent09:30 Considered, not cautious: how the market is shifting13:45 Telling sellers their home is worth less15:45 Advice for agents navigating a slower market18:55 Why buyer relationships matter as much as sales21:50 Keeping her cup full24:15 The tough call to rebrand as Haven29:15 Working alongside daughter Brittany34:55 Where Perth property is heading in 2026 and 202738:00 What Clare is most proud ofSubscribe: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/mortgageswmichaelLinkedIn: https://www.linkedin.com/in/michaelkillinerTikTok: https://www.tiktok.com/@backyardpropertypodcastTusk Finance: [email protected] by Podwave Studios: https://www.podwavestudios.au#PerthPropertyMarket #PerthRealEstate #PropertyPodcast #RealEstateAgent #Subiaco #ShentonPark #PerthProperty #WAPropertyMarket #PropertyInvesting #FirstHomeBuyer #RealEstateAdvice #MortgageBroker #PerthWA #PropertyTips #HomeOpen #WesternAustralia #RealEstateTips #PropertyMarketUpdate #TuskFinance #ThatBackyardPropertyPod

There's a rule in the Australian tax system that can let you sell an investment property and pay zero capital gains tax, not reduced, not discounted, zero. In this episode, Michael breaks down exactly how the six year rule works, the four conditions you must meet, and the reset trick almost nobody knows about that can extend it well beyond six years.🔔 Subscribe & leave a comment with your questions — we build episodes around what YOU want to know.General advice only and not personal advice. CRN 485467---------------------------------In this episode:What the six year rule actually is and why it matters after the budgetThe four conditions you must meet to qualify for the exemptionReal dollar examples showing a completely tax free saleWhat happens if you go past the six years and how partial exemptions workWhy leaving a property vacant can extend the exemption indefinitelyThe reset trick that lets you claim a fresh six year windowHow genuine reoccupation is tested by the Tax OfficeCommon mistakes that cost people tens of thousands of dollarsWhy becoming a foreign resident can wipe out the exemption entirely---------------------------------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/mortgageswmichaelLinkedIn: https://www.linkedin.com/in/michaelkillinerTikTok: https://www.tiktok.com/@backyardpropertypodcastTusk Finance: [email protected]:(00:00) Intro: the six year rule explained(00:38) What is the six year rule(02:28) How the rule actually works(03:16) Condition one: it must have been your home(03:38) Condition two: only one main residence at a time(04:58) Condition three: the clock starts when it's rented(05:17) Condition four: you must be an Australian tax resident(05:47) Example one: a completely tax free sale(06:27) Example two: what happens after six years(07:31) The vacant property loophole(07:58) The reset trick nobody knows about(09:26) Four things to take away(11:16) Final advice and disclaimerWrap-upProduced by Podwave Studios: https://www.podwavestudios.au#SixYearRule #CapitalGainsTax #CGT #AustralianTax #PropertyInvesting #TaxFreeProperty #InvestmentProperty #TaxTips #RealEstateAustralia #PerthProperty #PropertyMarket #TaxPlanning #MortgageBroker #TuskFinance #ThatBackyardPropertyPod #AustralianPropertyMarket #TaxAdvice #WealthBuilding #PropertyPortfolio #Rentvesting

Listings are up 50% and days on market have doubled, yet this is the exact market buyers have been waiting two years for. In this episode, Michael sits down with Rowen Powell, director of Verve Buyers Agency, to unpack what is really happening in the Perth property market beneath the doom and gloom headlines.🔔 Subscribe & leave a comment with your questions — we build episodes around what YOU want to know.General advice only and not personal advice. CRN 485467---------------------------------In this episode:Why rising listings and longer days on market are actually a win for buyersHow to spot quality fundamentals: orientation, location, land size and school zonesWhy owner occupiers are back as king and what is driving the shiftThe two-speed Perth market and how price point and income split itWhy subject to sale offers are making a comeback and how to use themHow buyer fatigue leads people to overpay and how to avoid itWhat to look for when choosing a high performing agent in a softer marketHow high net worth buyers think differently and what you can learn from themWhere Rowen sees the Perth market heading from September onwards---------------------------------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/mortgageswmichaelLinkedIn: https://www.linkedin.com/in/michaelkillinerTikTok: https://www.tiktok.com/@backyardpropertypodcastTusk Finance: [email protected]:(00:00) Listings up 50%, the market buyers have waited for(00:45) Welcome back Rowen Powell, Verve Buyers Agency(02:00) Why more time and more viewings change buyer behaviour(04:45) Quality fundamentals: orientation, location, school zones(07:15) Why stock levels are changing across Perth(08:50) Tax reform and the return of the owner occupier(11:05) Perth as a two-speed economy(13:25) Pulling the trigger in falling versus rising markets(15:50) The income cap and why subject to sale is back(18:20) Improving a home before listing a sub sale(19:40) How to choose the right agent in a soft market(21:55) Surprising sales and the reality of buyer fatigue(23:40) Where to next for the Perth market(25:50) How high net worth buyers think differently(29:30) Rowen on his engagement and clarity(30:35) Parting advice: understand why you are buyingProduced by Podwave Studios: https://www.podwavestudios.au#PerthProperty #PerthRealEstate #PropertyMarket #BuyersAgent #PerthPropertyMarket #RealEstateAustralia #PropertyInvesting #HomeBuying #FirstHomeBuyer #SubjectToSale #BridgingFinance #PropertyTips #AustralianProperty #PerthHomes #OwnerOccupier #PropertyAdvice #RealEstateTips #HomeLoans #TuskFinance #BackyardPropertyPod

The average Perth home gained around $220,000 in value over the last 12 months, and most owners can't see it or touch it because it's locked inside their property. In this episode, Michael sits down to walk through exactly how to pull that equity out and turn it into the deposit for your next investment property, step by step with no jargon.🔔 Subscribe & leave a comment with your questions — we build episodes around what YOU want to know.General advice only and not personal advice. CRN 485467---------------------------------In this episode:What equity actually is, explained as one simple sumWhy you can only use up to 80% of your home's value, and what "usable equity" meansHow cash actually comes out of your home through a valuation and loan top-upHow equity becomes a deposit without touching your savingsWhy your income and serviceability still matter, even with equityHow to structure two separate loan splits to protect your tax positionThe deductibility changes since the budget for established homesWhy the cash-out loan should be interest-only with a linked offsetWhere debt recycling fits in and the cautions before you borrow more---------------------------------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/mortgageswmichaelLinkedIn: https://www.linkedin.com/in/michaelkillinerTikTok: https://www.tiktok.com/@backyardpropertypodcastTusk Finance: [email protected]:(00:00) Why you may be sitting on more money than you realise(00:48) What you'll know by the end of this episode(01:20) What equity actually is: worth minus what you owe(01:50) The 80% ceiling and your usable equity(02:50) How equity becomes cash: the cash-out or top-up(03:16) The four steps: valuation, loan increase, funds, deposit(04:05) Buying without money out of your pocket(04:40) Why loan structure matters so much for tax(05:05) Loan one vs loan two: home loan vs investment borrowing(05:50) Why keeping the splits separate protects deductibility(06:30) The cautions: bigger debt, your home as security, falling values(07:35) Pulling it all together: the golden rule(08:15) Why the cash-out loan should be interest-only with an offset(09:10) Deductibility changes since the budget(09:40) Neutral gearing and what you can claim against rent(10:40) Debt recycling and where to learn more(11:00) Final reminders and wrap-upProduced by Podwave Studios: https://www.podwavestudios.au#EquityRelease #PropertyInvesting #PerthProperty #UsableEquity #InvestmentProperty #MortgageTips #CashOut #DebtRecycling #OffsetAccount #TaxDeductible #PropertyPortfolio #HomeEquity #AustralianProperty #MortgageBroker #NegativeGearing #LoanStructure #PerthRealEstate #FinancialEducation #BuildWealth #PropertyPodcast

Paying $500 a week off your mortgage and watching almost all of it vanish back into interest at month's end that's the moment nearly every homeowner hits. In this episode, Michael sits down with Laura, AKA The Savvy Mam, to unpack the offset accounts, redraw strategies, and everyday "opportunities" that can shave years and hundreds of thousands of dollars off your home loan.🔔 Subscribe & leave a comment with your questions — we build episodes around what YOU want to know.General advice only and not personal advice. CRN 485467---------------------------------In this episode:What "home" really means as an expat putting down roots in AustraliaWhy the offset account is the biggest aha moment most homeowners missThe truth about interest being charged daily and how weekly pay changes everything"Shiny new house syndrome" and the real cost of renovating too soonWhy both partners need to be on board (and the mental load that falls on women)How to question the bank's "discount" instead of chasing a better rateFixed vs variable framed as risk management, not beating the bankThe mortgage insurance refund trick most people have never heard ofTeaching kids about money with jars, Hot Wheels, and real trade-offs---------------------------------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/mortgageswmichaelLinkedIn: https://www.linkedin.com/in/michaelkillinerTikTok: https://www.tiktok.com/@backyardpropertypodcastTusk Finance: [email protected] with Laura, AKA The Savvy MamInstagram: https://www.instagram.com/thesavvymam/The Savvy Mam: https://stan.store/thesavvymamChapters:(00:00) The loyalty tax, smoke and mirrors, and $780k in interest(01:08) Welcome — meet Laura, The Savvy Mam(01:55) What "home" means as an Irish expat in Australia(03:36) From business page to mortgage education(05:00) Why her relatable, no-jargon message resonates(06:55) Shiny new house syndrome and the cost of renovating early(08:40) The offset account aha moment(11:30) Smoke and mirrors: why money stays taboo(13:14) Michael's first mortgage and the brutal first-month interest hit(14:25) Laura's house-and-land package and the LMI sting(16:45) Making the invisible visible: $780k interest on a $700k loan(18:40) Getting both partners on board and the mental load(19:35) Opportunity over "mortgage hacks" — family goals and visualising it(23:35) Why proactive brokers and the education piece matter(28:00) Decoding the bank's discount vs the rate(31:55) Fixed vs variable: hedging risk, not beating the bank(36:10) The goal shift: from mortgage-free to fully offset(38:00) Daily interest, multiple offsets, and clever points stacking(40:15) Teaching kids about money: jars, Vinnies, and Hot Wheels(45:10) The mortgage insurance refund most people miss(46:40) The single mum who'd save $485k in interest(50:45) What Laura is most proud of, personally and professionally(54:40) Final advice: take it back to basics with pen and paper(56:30) Wrap-upProduced by Podwave Studios: https://www.podwavestudios.au#MortgageTips #OffsetAccount #HomeLoan #PerthProperty #PayOffYourMortgage #FinancialFreedom #PropertyPodcast #MortgageBroker #FirstHomeBuyer #AustralianProperty #MoneyTips #PersonalFinance #TheSavvyMam #RedrawVsOffset #LMI #InterestSavings #FinancialEducation #ExpatLife #BudgetingTips #PropertyAustralia

The average Perth home added roughly $220,000 in equity in a single year — without the owner lifting a finger. In this episode, Michael breaks down the two opposite stories being told about Perth property and shows you what the actual numbers say for your borrowing power and your next move.🔔 Subscribe & leave a comment with your questions — we build episodes around what YOU want to know.General advice only and not personal advice. CRN 485467In this episode:What Perth prices are really doing behind the headlinesWhy a market can be rising and shifting at the same timeThe one signal that matters most — pace, not priceHow quarterly growth eased from 7% to around 4.8%Why climbing listings are taking heat out of the marketThe link between rising rates and your falling borrowing powerWhy now is the moment to know your real borrowing numberHow existing owners can put their new equity to workThe back-of-envelope rule for what you can actually borrowSubscribe: https://youtube.com/@ThatBackyardPropertyPodcastInstagram: https://instagram.com/backyardpropertypod?igsh=MWhkOWx5YzJxdDc3ag==Website: https://tuskfinance.com.auConnect with Michael:Facebook: https://facebook.com/tuskfinancemkInstagram: https://instagram.com/mortgageswmichaelLinkedIn: https://linkedin.com/in/michaelkillinerTikTok: https://tiktok.com/@backyardpropertypodcastTusk Finance: [email protected]:(00:00) RBA holds & Perth's two opposite stories(00:45) Behind the headlines: a $1.05M median(01:40) Why Perth is still rising — supply, population, economy(02:35) Rising and shifting at the same time(02:55) Watch the pace, not the price(03:25) Listings are climbing(03:45) Three reasons the market is cooling(04:10) The connection nobody else makes: borrowing power(04:55) More choice vs tighter borrowing(05:35) Equity in a cooling-but-strong market(05:50) Nobody knows what's next — so know your position(06:25) Pulling it all together(08:00) The back-of-envelope borrowing rule(08:35) Credit cards, car loans & your capacityProduced by Podwave Studios: https://www.podwavestudios.au#PerthProperty #PerthRealEstate #PropertyMarket #AustralianProperty #MortgageBroker #BorrowingPower #RBA #InterestRates #HomeLoans #PropertyInvesting #FirstHomeBuyer #PerthHomes #RealEstateAustralia #PropertyEquity #HousingMarket #TuskFinance #PropertyTips #WApproperty #RefinanceAustralia #ThatBackyardPropertyPod

A year of work, 10 rounds of formulation, and 200+ orders in the first week this is what it actually takes to launch a product from scratch. In this episode, Michael sits down with Rob Tucker, founder of electrolyte brand Sashet, to unpack the messy, all-consuming reality of leaving a corporate career to build something of his own.🔔 Subscribe & leave a comment with your questions — we build episodes around what YOU want to know.General advice only and not personal advice. CRN 485467---------------------------------In this episode:Why deciding what game to play matters more than playing itHow to reframe success away from "I'll be happy when…"The freedom of dropping the big end-goal and staying presentBuilding a loud, retro brand in a crowded wellness spaceSourcing ultra-pure WA sodium from million-year-old Lake DeborahThe custom formulation journey vs the white-label shortcutWhy packaging is the product, not an afterthoughtNavigating contract manufacturing as a complete outsiderAdvice for anyone wanting to escape the 9-to-5 the right way---------------------------------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/mortgageswmichaelLinkedIn: https://www.linkedin.com/in/michaelkillinerTikTok: https://www.tiktok.com/@backyardpropertypodcastTusk Finance: [email protected] Website: https://www.drinksashet.com/Chapters:(00:00) Attention is a currency(01:00) Meet Rob Tucker, founder of Sashet(01:45) Childhood dreams and connecting the dots(04:15) Where Sachet is right now(06:30) Riding the highs and lows of business(09:25) Writing down your "why" and your vision(11:55) Being present vs chasing the next milestone(14:20) Building a loud, retro brand that stands out(17:25) Local ingredients and pure WA sodium(19:35) Writing a 30-page formulation brief(23:20) Cracking the contract manufacturing world(26:25) Packaging loops and the watch-box experience(29:30) The next 12–18 months and the taste test(34:55) The biggest mistakes and missteps(36:15) Advice for escaping the 9-to-5(39:35) Books and podcasts that changed his thinking(45:10) Tall poppy syndrome and finding your people(47:50) Five-year goals for SachetProduced by Podwave Studios: https://www.podwavestudios.au#ThatBackyardPropertyPod #SashetDrink #ElectrolytesAustralia #StartupStory #FounderJourney #AustralianStartup #Entrepreneurship #BuildInPublic #SmallBusinessAustralia #ProductLaunch #D2C #BrandBuilding #PackagingDesign #ContractManufacturing #LeavingCorporate #NavalRavikant #HowIBuiltThis #TallPoppySyndrome #PerthBusiness #TuskFinance

Almost all of Australia's economic growth last quarter came from building data centres strip those out, and the economy was nearly flat. In this episode, Michael sits down to break down the fixed versus variable rate decision the right way: no predictions, no scare tactics, just a clear framework to think it through.General advice only and not personal advice. CRN 485467--------------------------------------In this episode:Where the cash rate sits at 4.3% and why next week's RBA decision mattersThe three numbers the Reserve Bank watches and why they're telling different storiesWhy inflation says hold, jobs say cut, and growth says be carefulThe single biggest mindset shift: fixing your rate is insurance, not a betWhy you'll almost never outguess the bank and why that's not the pointThe honest questions to ask before you fix any part of your loanWhat you give up when you fix: offset accounts, extra repayments, break costsHow a split loan can give you certainty and flexibility at the same timeWhy being unsure right now is a sensible response, not a failing--------------------------------------SubscribeYouTube:⁠⁠⁠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: ⁠⁠[email protected]⁠⁠--------------------------------------Chapters:(00:00) Should I lock in my rate?(00:25) The cash rate and next week's decision(01:00) Setting the scene: three key numbers(01:18) Inflation: still above target(01:57) Unemployment: jobs going backwards(02:18) Growth: the data centre distortion(02:50) Why the experts can't agree(03:30) The big shift: fixing is insurance(04:45) Why the bank won't lose(05:20) How much is certainty worth to you?(05:40) Question 1: Could you handle a rate rise?(06:15) Question 2: How much do you value flexibility?(06:55) Question 3: Do you need all or nothing? Split loans(08:00) Pulling it all together(09:00) Final advice and getting helpProduced by ⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠: ⁠⁠⁠https://www.podwavestudios.au⁠⁠⁠ #AustralianBudget2026 #Budget2026 #NegativeGearing #PropertyInvesting #AustralianProperty #BorrowingCapacity #InvestmentProperty #RealEstateAustralia #PropertyPodcast #MortgageBroker #DebtRecycling #Perth #ThatBackyardPropertyPodcast #MichaelKilliner

Australians lost over $838 million to investment scams and fraud last year and the technology behind it is now years ahead of anything most people have seen.In this episode, Michael sits down in person with Tracy Hall, author, keynote speaker, and famously known as the last victim of Hamish McLaren, to unpack how modern scams really work, why anyone can be targeted, and how to protect yourself and the people you love.🔔 Subscribe & leave a comment with your questions — we build episodes around what YOU want to know.General advice only and not personal advice. CRN 485467---------------------------------In this episode:Why it wasn't weakness that made Tracy a target, but trust, loyalty and optimismPig butchering scams — the industrialised, human-trafficked compounds fleecing the worldThe biggest red flags: proactive outreach, crypto, urgency and impersonationVoice cloning, deep fakes and why your voicemail message is a riskThe simple two-minute domain check that could save someone $1.6 millionThe "sandwich generation" — protecting aging parents and teenage kids at onceFinancial extortion of teens on Instagram and Snapchat — and how to talk about itThe one change Tracey would make: mandatory ID verification on dating appsHow she turned the worst experience of her life into her life's purposeSubscribe: 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/mortgageswmichaelLinkedIn: https://www.linkedin.com/in/michaelkillinerTikTok: https://www.tiktok.com/@backyardpropertypodcastTusk Finance: [email protected]:(00:00) The scale of the problem — $838 million lost & how the scams work(01:00) Welcome & meeting Tracy Hall(01:30) What a home means to Tracy(02:30) Targeted for her strengths, not her weaknesses(04:00) Why we're biologically wired to trust(05:30) The romance fraud stereotype — and why it's wrong(06:30) Red flags you only see in hindsight(07:30) Pig butchering scams & the compounds behind them(09:00) Crypto, urgency & impersonation scams(10:45) Voice cloning and your voicemail message(13:45) Cloned websites, fake reviews & checking the URL(14:45) The $1.6 million ING scam — and the two-minute domain test(17:00) The family passcode(20:30) The sandwich generation — protecting parents and kids(21:45) Teaching mum to use ChatGPT to spot scams(23:00) Financial extortion of teens on social media(26:30) Talking to kids without instilling fear(29:00) Why you should never say "don't send a nude"(32:00) The chapters of Tracy's life & rebuilding at 40(35:30) A question she's never been asked(36:30) Mandatory ID verification on dating apps(42:00) Why big tech won't self-regulate(43:30) The Queensland mum who lost $800,000(44:30) What Tracy is most proud of, personally & professionally(48:00) Wrap up & thank youProduced by Podwave Studios: https://www.podwavestudios.au#ThatBackyardPropertyPod #ScamAwareness #TracyHall #MichaelKilliner #PigButchering #RomanceScams #FraudPrevention #OnlineSafety #InvestmentScams #VoiceCloning #DeepFakes #CyberSecurity #ProtectYourFamily #SandwichGeneration #DatingAppSafety #FinancialExtortion #ScamPrevention #HamishMcLaren #AustraliaScams #StaySafeOnline

If you're under 40 and trying to build wealth, this clip is essential viewing.Michael Killiner and Ben Elliott (Managing Director, KHT Accounting & Wealth) break down exactly why the 2026 federal budget has quietly made it harder than ever for young Australians to get ahead — and the numbers are genuinely eye-opening.Saving in the bank? You're making 1.2% in real terms. Using ETFs to grow a deposit? You'll now pay a 30% minimum tax on the gain, even if you're a student. Trying to rent-vest your way into the property market? The tax benefit that made it work is gone.Ben walks through the new CGT rules in plain language, including what the indexation method actually means, why the 30% minimum tax rate is so significant, and the critical valuation deadline that every single asset owner in Australia needs to act on before 30 June 2027.This is a clip from Episode 63 of That Backyard Property Pod. Watch the full episode here:🔔 Subscribe & leave a comment with your questions — we build episodes around what YOU want to know.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) Why you can't save a deposit by just saving anymore(01:15) 5% interest vs. 3.8% inflation: the real return on your savings(02:30) How young Australians have been using ETFs to build a deposit(04:00) The new CGT rules explained: what indexation actually means(06:15) The 30% minimum tax rate and why it hits low earners hardest(08:30) A real example: a $50,000 gain for a student under the new rules(10:00) The valuation deadline every asset owner must know: 30 June 2027(12:00) Why new residential builds are treated differently under the old rulesProduced by ⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠: https://www.podwavestudios.au#AustralianBudget2026 #Budget2026 #Budget202627 #FederalBudget2026

In this episode of That Backyard Property Podcast, Michael Killiner sits down with Boston Cable, buyer's agent at Verve Property, to break down exactly what's happening in the Perth property market right now and how buyers at every level can navigate it.Boston shares his raw, on-the-ground perspective as a 22-year-old who's already built a personal property portfolio while helping dozens of clients buy their homes. Whether you're a first-home buyer sitting on your hands, an investor watching the market shift, or just trying to understand where Perth is heading this one's packed with insight you won't get scrolling realestate.com.General advice only and not personal advice. CRN 485467--------------------------------------Follow the podcastSubscribe: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/michaelkilliner--------------------------------------Chapters:(00:00) Teaser: The golden rule of buying in any market(01:10) Welcome & intro: Boston Cable from Verve Property(01:50) What does "home" mean to Boston?(02:30) How Boston got into property(03:50) Shifts in the Perth market and what's changed(05:10) Overcoming buyer fear vs. long-term growth(06:45) What details most buyers overlook(08:00) Understanding Perth's micro-markets(10:30) Why going to open homes beats scrolling online(11:15) How to build relationships with selling agents(12:30) Understanding seller motivation(13:55) Inspections, conditions & hidden costs(17:45) The October 1 guarantee scheme cap change(20:10) Perth suburb cycles and where the value moved(34:15) What is an off-market property and is it real?Produced by ⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠: https://www.podwavestudios.au #PerthProperty #RealEstateAustralia #PropertyMarket2026 #FirstHomeBuyer #PerthRealEstate #MortgageBroker #InvestingAustralia #HomeBuyingTips #Podcast #TuskFinance

The budget has dropped, the dust is settling and it's time to cut through the noise.In this episode, Michael Killiner is joined by Reece Beddall, Managing Director of Follio Property and host of one of Australia's top 10 business podcasts, for a straight-talking breakdown of what the recent federal budget changes actually mean for everyday investors.They cover Perth's cooling market, the real impact of negative gearing and CGT changes, why outer-fringe suburbs are a red flag, and what strategies still make sense in a post-budget world. This isn't doom and gloom it's a practical, grounded look at how to move forward.Whether you're a first home buyer, a rent-vestor, or an accidental landlord wondering what's next, this episode is for you.General advice only and not personal advice. CRN 485467--------------------------------------In this episode:Is the Perth property boom finally slowing down?What the negative gearing & CGT changes actually mean for your strategyWhy outer-fringe suburbs could become the next two-speed riskThe "death of the mum and dad investor" — and what replaces themAccidental landlords, interest-only loans & maximising pre-budget assetsAdelaide and Brisbane market data — straight from Follio's weekly trackingInvestor sentiment post-budget: what the data is actually showingWhere the real opportunities still exist in Perth--------------------------------------Follow the podcastSubscribe: 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/michaelkilliner--------------------------------------Chapters:(00:00) Cold Open Is the mum & dad investor dead?(01:04) Welcome & introducing Reece Bettil from Follio(03:16) Perth market shift fewer offers, less competition(05:30) East Coast investors pulling out of Perth(07:25) High sales in Baldivis, Alkemos & Ellenbrook investors cashing out?(09:53) Follio's strategy post-budget why new outer-fringe builds are dangerous(13:18) The mortgage broker market & quality of advice post-budget(17:33) Rent-vesting strategy in a post-negative-gearing world(21:00) Accidental landlords interest-only loans & offset strategy explained(25:27) Adelaide & Brisbane data: a two-speed economy emerging(29:45) Investor sentiment post-budget what the confidence index reveals(32:37) Where the real opportunities still exist in PerthProduced by ⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠: https://www.podwavestudios.au #PerthProperty #RealEstateAustralia #PropertyMarket2026 #FirstHomeBuyer #PerthRealEstate #MortgageBroker #InvestingAustralia #HomeBuyingTips #Podcast #TuskFinance

The 2026 Budget changed negative gearing on established property but the headline that nobody is covering is what it does to your borrowing capacity at the bank.In this episode, Michael uses a live broker serviceability software to run a real scenario: a young couple using home equity to buy an $800,000 investment property in Perth. The results are staggering. If you're a young investor using home equity to build a portfolio, this episode shows exactly what the landscape looks like and the three paths forward available to you right now.General advice only and not personal advice. CRN 485467--------------------------------------In this episode:What changed with negative gearing in the 2026 Budget and who it actually affectsWhat it looks like and how lenders actually assess youReal lender-by-lender comparison BEFORE the budget changeReal lender-by-lender comparison AFTER the changeWhy lender selection is now more important than interest ratesThree paths forward for young investors using home equity right nowWhy debt recycling becomes the central strategy in this new environmentFour key takeaways with specific dollar figures--------------------------------------SubscribeYouTube:⁠⁠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: ⁠[email protected]⁠--------------------------------------Chapters:(0:00) Negative Gearing Since 1936 to Now(2:18) What the Budget Does to Your Borrowing Capacity(3:34) The Real Scenario(6:00) Lender Table WITH Negative Gearing (11:53) Turning Off Deductibility (13:44) The Real Reduction Per Bank (16:07) Three Paths Forward for Young Investors Right Now(19:38) The Strategy That Rebuilds What the Budget Took(21:39) Four Key Takeaways in Plain English(24:22) Final Thoughts Produced by ⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠: ⁠⁠https://www.podwavestudios.au⁠⁠ #AustralianBudget2026 #Budget2026 #NegativeGearing #PropertyInvesting #AustralianProperty #BorrowingCapacity #InvestmentProperty #RealEstateAustralia #PropertyPodcast #MortgageBroker #DebtRecycling #Perth #ThatBackyardPropertyPodcast #MichaelKilliner

One week on from the federal budget, Michael sits down with Ben Elliott, Managing Director of KHT Accounting & Wealth and one of the sharpest financial minds on YouTube, to cut through the noise and break down exactly what's changed, what it means, and who really wins and loses.From the end of negative gearing on established residential properties, to sweeping changes in capital gains tax, trust structures, and SMSFs, this episode covers it all in plain language.Michael and Ben also ask the bigger question: does this budget actually fix housing affordability and productivity? The answer might not surprise you, but the detail absolutely will.General advice only and not personal advice. CRN 485467--------------------------------------In this episode:What's actually proposed (and why it's not law yet)The new CGT rules and the 30% minimum tax rate explainedWhy young Australians saving via ETFs are being punishedWhat existing property investors can (and can't) still doThe real winners and losers from this budgetTrust structures, bucket companies & what changes from 2028SMSFs: are they making a comeback?Why GST reform might be the answer nobody wants to have--------------------------------------Follow the podcastSubscribe: 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/michaelkilliner--------------------------------------Chapters:(00:00) Teaser: Budget reaction & the big questions(01:15) Welcome & introducing Ben Elliott(01:45) Does the budget actually fix housing and productivity?(03:30) Why this isn't a pro-business budget(05:00) How capital gets trapped in housing and why innovation suffers(07:30) The next generation's three pathways and why all three just changed(10:00) The new CGT rules explained: indexation, 30% minimum & what it means(13:00) How the 30% minimum tax rate hits students and young investors hardest(15:00) The critical valuation deadline: what every asset owner needs to do by 30 June 2027(17:15) What this means for small business owners selling their business(24:30) What does a property investor's position look like now vs. last week?(31:30) The buyer's agency shift from established property to new builds(37:00) Trust structures, bucket companies & the new holding company structure(45:15) SMSFs back in the spotlight?(48:15) Winners and losers: who actually benefits from this budget?Produced by ⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠: https://www.podwavestudios.au #PerthProperty #RealEstateAustralia #PropertyMarket2026 #FirstHomeBuyer #PerthRealEstate #MortgageBroker #InvestingAustralia #HomeBuyingTips #Podcast #TuskFinance

The 2026 Federal Budget has fundamentally changed the rules of property investment in Australia. In this mini episode, Michael Killiner breaks down exactly what Treasurer Jim Chalmers announced and more importantly, what it means for YOU depending on where you sit right now.The 50% CGT discount, unchanged since 1999, is going. Negative gearing on established property, a cornerstone of Australian investment for decades, is restricted. But the headlines are getting this wrong and the detail matters enormously.General advice only and not personal advice. CRN 485467--------------------------------------In this episode:What actually changed in the 2026 Budget on CGT and negative gearingThe three investor categories every Australian falls into right nowWhy existing property owners' negative gearing is fully grandfathered (permanently)The 13-month transitional window and what it means if you buy an established property nowWhy new builds are now the most tax-advantaged investment property in AustraliaThe real CGT numbers The borrowing capacity impact nobody is talking about ($150K–$200K hit)Where smart money moves in this new environment Plain English summary and what to do right now--------------------------------------SubscribeYouTube:⁠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:(0:00) Introduction: Why This Budget Changes Everything for Property Investors(1:30) The Two Major Reforms (CGT & Negative Gearing)(3:00) What's Grandfathered Permanently & What's Not(6:00) Buying in the Next 13 Months:(7:20) Now the Most Tax-Advantaged Investment Property in Australia(9:40) How the New CGT Indexation System Actually Works(11:10) The $2B Infrastructure Fund & Why It Doesn't Fix the Supply Crisis(13:28) The Hidden Impact Nobody's Talking About(15:12) Where Smart Money Moves (16:52) Plain English Summary & Your Action Steps Right NowProduced by ⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠: ⁠https://www.podwavestudios.au⁠ #AustralianBudget2026 #Budget2026 #Budget202627 #FederalBudget2026

This week on That Backyard Property Pod, Michael sits down with award-winning real estate agent Emma Milner — one of Perth's most recognised names in the western suburbs — for a conversation that goes well beyond property.Emma opens up about everything: starting over in real estate after a career in fashion, the tears, the rejection, and the resilience it took to get to the top. She shares what it really means to care deeply about your clients, talks about her mentor Vivian, her husband Pete, her philanthropic work for Cancer Council, and the gratitude she carries from watching her mum fight cancer through a clinical trial that changed everything.Michael and Emma also get into the Perth property market — what's really happening on the ground, why supply and migration still tell a stronger story than the headlines, and what Emma sees in the high-net-worth clients she works with every day.General advice only and not personal advice. CRN 485467--------------------------------------Follow the podcastSubscribe to my channel: / @⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ThatBackyardPropertyPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Visit my website:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ / ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://tuskfinance.com.au⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow me on social media:Facebook: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tuskfinancemk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@mortgageswmichael⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@michaelkilliner⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@backyardpropertypodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tusk Finance Email: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠--------------------------------------Chapters:(00:00) Teaser: Perth market outlook & the bonnet-of-the-car deal(01:00) Welcome & introducing Emma Milner(01:48) What does "home" mean to Emma?(03:00) Gratitude as a daily practice — and Emma's mum's lesson(04:00) Pete: the world's best supportive husband(06:15) Emma in 2016 vs. Emma in 2026(07:15) Starting over in real estate from fashion — rejection, tears & resilience(09:15) "I thrive on hard work" — why Emma can't switch off(10:00) How Emma keeps sellers at the centre of everything(11:15) Michael & Emma on being told you "care too much"(13:15) What Emma's top reviews really reveal: communicator, genuine, trustworthy(15:45) Reputation, branding & being yourself to win business(16:45) Instilling values in kids — leading by example(17:30) Perth property right now: supply, migration & global uncertainty(20:00) Why Perth is no longer just a mining economy(21:00) Common traits of high-net-worth clients(22:15) "Stay in your lane" — consistency and focus as the real formula(24:15) The glamour myth: what Emma tells young women who want to get into real estate(25:30) Awards & what success actually means (one word: choice)(27:30) Vivian: the mentor who changed Emma's career(32:30) Philanthropy, Cancer Council & the story behind Emma's fundraising(37:00) How a difficult period deepened Emma's gratitude(38:00) What Emma is most proud of — personally and professionally(39:30) What's next for Emma Milner?(40:45) Wrap up & thank youProduced by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe for more Perth property insights every Tuesday!#PerthProperty #RealEstateAustralia #PropertyMarket2026 #FirstHomeBuyer #PerthRealEstate #MortgageBroker #InvestingAustralia #HomeBuyingTips #Podcast #TuskFinance

The RBA's Deputy Governor recently used a word that makes economists go quiet, stagflation. Calling it "the central banker's nightmare." Inbox flooded. So in this mini episode, Michael breaks it all down in plain language.What is stagflation, really? Where does Australia actually sit right now in April 2026? And — most importantly — what does it mean for your property?General advice only and not personal advice. CRN 485467--------------------------------------In this episode:--------------------------------------YouTube: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) Welcome & why stagflation is suddenly everywhere(00:52) What the RBA Deputy Governor actually said (vs. how it was reported)(03:18) What stagflation really means: stagnation + inflation explained(04:06) Why stagflation is the "nightmare": the policy trap(04:44) The 1970s reference point — oil shocks, 17.5% inflation & 10% unemployment(05:58) Where Australia actually sits in April 2026 (the real data)(07:22) Consumer & business confidence: why the sentiment picture is "genuinely dark"(08:24) The historic property performance during the 1970s stagflation era(10:56) The Perth-specific lens: vacancy rates, supply constraints & population inflows(12:36) The 3-scenario matrix for Perth property investors(13:38) 5-point action framework: what to do right now(16:18) Wrap up, subscribe CTA & call for commentsProduced by ⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠: https://www.podwavestudios.au

Perth has had one of the most extraordinary property runs in Australian history — but something is shifting. Not crashing, not collapsing. Shifting. In this mini episode, we break down exactly what the latest data is telling us, what global events are landing locally, and what it means depending on where you sit in the market.🔔 Subscribe & leave a comment with your questions — we build episodes around what YOU want to know.General advice only and not personal advice. CRN 485467--------------------------------------In this episode:Where Perth's market has come from — and what the record numbers actually look likeWhy listings are rising and what that means for buyers and sellersDays on market are still the lowest in Australia — but agents are noticing a changeHow affordability has stretched and who's feeling it mostThe Middle East conflict and its three very specific impacts on Perth propertyConstruction cost blowouts — PVC up 40%, concrete up 25%, fixed-price contracts disappearingInterest rates, inflation and the Westpac Consumer Sentiment dropWhat still hasn't changed — Perth's structural case remains intactWhat this means if you're an owner, buyer, investor or first home buyer right now--------------------------------------SubscribeYouTube:⁠⁠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: ⁠[email protected]⁠--------------------------------------Chapters:(00:00) Welcome & intro(01:00) December 2025 record highs — median prices, days on market, listings(01:45) What is actually changing — listings, days on market & affordability(03:00) First home buyers feeling the squeeze(03:15) The Middle East conflict — three ways it's landing in Perth(04:00) Construction costs — PVC up 40%, concrete up 25%, fixed-price contracts gone(04:45) Inflation, interest rates & consumer sentiment(06:15) What hasn't changed — Perth's structural case is still intact(07:30) What this means for owners, sellers, buyers, investors & first home buyers(08:45) The bottom line — not trouble, just transitioning(10:00) Honest take from agents on the ground(10:45) Wrap up & preview of Tuesday's 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

In this episode, Michael sits down with Neal van Niekerk — Director of Alba Finance and former Macquarie and CBA commercial banker — to break down the world of commercial property, development finance, and the emerging trend of white-collar professionals buying blue-collar businesses.If you've ever wondered whether commercial is the next step after residential, or how development finance actually works, this is the episode for you.General advice only and not personal advice. CRN 485467--------------------------------------Follow the podcastSubscribe to my channel: / @⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ThatBackyardPropertyPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Visit my website:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ / ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://tuskfinance.com.au⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow me on social media:Facebook: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tuskfinancemk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@mortgageswmichael⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@michaelkilliner⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@backyardpropertypodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tusk Finance Email: /⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠--------------------------------------Chapters:(00:00) Intro & teaser highlights(00:45) Welcome — introducing Neal van Niekerk, Director of Alba Finance(01:30) What does home mean to you?(02:15) The mental load of being a business owner, husband and dad(05:00) Commercial vs. residential investing right now(05:30) The challenges facing residential developers — rising costs & holding times(06:15) Who is making the move into commercial property?(07:00) The risk/reward trade-off of commercial investing(08:00) Entry price points — you don't need millions to start(08:45) How yield and rental income drive commercial valuations and bank lending(09:30) The 1.5x interest coverage rule banks use(11:00) Key risks in commercial — tenant quality, vacancy & liquidity(12:30) Why commercial data is harder to find than residential(13:00) The three asset classes: industrial, office and retail(14:15) The industrial supply problem — why land is so scarce(15:15) Industrial micro-units & storage — the fastest growing segment(16:30) Development finance — what banks want before they'll lend(17:30) Pre-sales in commercial development — what percentages are expected(19:00) Small-scale residential development — what actually stacks up?(20:30) Construction costs — what does it actually cost to build a townhouse?(21:30) Private lending vs. bank lending for development(23:00) Where does private lending capital come from?(24:45) The risk of private lenders — they don't muck around(25:00) White-collar professionals buying blue-collar businesses — the ETA model(27:00) How banks structure business acquisition finance(28:15) Vendor finance, earnouts and structuring a business purchase(30:30) What types of businesses are being acquired? Manufacturing & service contracts(31:30) If you had $1M tomorrow — where would Neal invest it?(33:45) Why Neal and Mitch started Alba Finance from scratch(35:45) Biggest lessons from year one of running your own business(37:30) 12-month outlook for the Perth property market(39:00) What are you most proud of — personally and professionally?(42:15) The underrated importance of a supportive partner(44:00) Wrap upProduced by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe for more Perth property insights every Tuesday!#PerthProperty #RealEstateAustralia #PropertyMarket2026 #FirstHomeBuyer #PerthRealEstate #MortgageBroker #InvestingAustralia #HomeBuyingTips #Podcast #TuskFinance

Darwin quietly delivered the highest annual property growth of any Australian capital city in 2025 — 18% growth, 6.2% gross yields, vacancy rates under 1%, and a median house price of $580K. In this mini episode, we break down whether Darwin is a genuine investment opportunity or a repeat of the 2012 boom-bust cycle.🔔 Subscribe & leave a comment with your questions — we build episodes around what YOU want to know.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) Introduction & why Darwin is worth a serious look(00:45) Darwin's 2025 growth numbers — the headline stats(01:45) Darwin's complicated investment history(02:30) The 4 structural pillars driving today's growth(03:00) Pillar 1 — $3.8B in Defence investment(03:30) Pillar 2 — Barossa Gas Project & LNG(03:45) Pillar 3 — Supply constraints & sub-1% vacancy(04:00) Pillar 4 — Affordability vs. other capital cities(04:30) The yield story in real numbers(05:30) Palmerston — 27% growth to January 2026(06:00) The honest risks of investing in Darwin(07:15) Who Darwin does and doesn't suit(08:00) Three key takeaways(08:45) Personal experience — buying in Darwin in 2012(09:15) Suburb-level caution — what to watch out for(10:30) Wrap up & links to Will Johnson interviewProduced 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

Australia's government promised 1.2 million homes by 2029 — but the industry tasked with building them is breaking down. In this mini episode, Michael breaks down why the housing target is already falling behind, what's driving builder insolvencies at record rates, and what it all means for buyers, investors, and tradies on the ground.🔔 Subscribe & leave a comment with your questions — we build episodes around what YOU want to know.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) Introduction & the 1.2 million home promise(00:30) The reality — 172,000 homes built vs. 240,000 needed(01:30) How far behind are we? The numbers by state(02:00) Builder insolvencies — the worst in any Australian industry(02:30) Rising construction costs & the impact of the Middle East conflict(03:15) Regulatory costs — $320,000 per home before a brick is laid(03:45) The trades shortage — 17,000 electricians short by 2030(04:15) What this means if you're building, buying, or investing(05:15) The National Construction Code — 8x its original length(06:00) What the HIA and Master Builders are calling for(07:00) The two things the government must do simultaneously(08:00) Fixed price vs. cost plus contracts — the lending problem(08:30) Why you should speak to a broker before building(09:00) Wrap upProduced 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

Is a recession coming for Australia — and what does it mean for your property? In this mini episode, we dig into the data, the history, and what's actually happening in the market right now so you can make smart decisions instead of reactive ones.From the 1990 recession to COVID to the 2022–23 rate hike cycle, the history books tell a very clear story — and it's probably not what you think. We break down where national dwelling values sit today, which cities are forecast to grow double digits in 2026, and why a recession doesn't automatically mean a property crash.Whether you're already holding investment properties or thinking about buying, this episode gives you the framework to cut through the noise.🔔 Subscribe & leave a comment with your questions — we build episodes around what YOU want to know.General advice only and not personal advice. CRN 485467Subscribe: 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/mortgageswmichaelLinkedIn: https://www.linkedin.com/in/michaelkillinerTikTok: https://www.tiktok.com/@backyardpropertypodcastTusk Finance: [email protected]:(00:00) Welcome & episode intro(00:30) What's everyone talking about — recession & rate hikes(01:00) Where the RBA cash rate sits & why they hiked(01:45) Big four banks & what it means for your mortgage(02:30) Is Australia actually in recession?(03:15) What history tells us about property in a downturn(03:30) The 1990–91 recession — what really happened to prices(04:30) The GFC — panic, then boom(05:15) COVID — the crash that never came(05:45) The 2022–23 rate hike cycle — the most relevant example(06:15) The consistent pattern across every cycle(07:00) Where the market actually stands in April 2026(07:45) Perth, Brisbane & Darwin — the cities still growing(08:00) Sydney & Melbourne — why they're different(08:15) Rents reaccelerating & the supply crisis(09:15) The serviceability buffer & why lending quality is higher than you think(10:15) Already own investment property? Do this first(11:00) Thinking about buying? Here's the honest take(12:00) What happens to property if a recession does hit(12:45) Bringing it all together — structure over timing(14:15) Reach out & wrap upProduced 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

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-------------------------------------Subscribe: https://www.youtube.com/@ThatBackyardPropertyPodcastInstagram: https://www.instagram.com/backyardpropertypod?igsh=MWhkOWx5YzJxdDc3ag==Website: https://tuskfinance.com.au-------------------------------------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: broker@tuskfinance.com.au-------------------------------------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-------------------------------------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 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--------------------------------------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/mortgageswmichaelLinkedIn: https://www.linkedin.com/in/michaelkillinerTikTok: https://www.tiktok.com/@backyardpropertypodcastTusk Finance: broker@tuskfinance.com.au--------------------------------------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 homeownershipProduced 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--------------------------------------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.--------------------------------------Follow the podcastSubscribe to my channel: / @⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ThatBackyardPropertyPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Visit my website:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://tuskfinance.com.au⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow me on social media:Facebook: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tuskfinancemk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@mortgageswmichael⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@michaelkilliner⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok: /⁠⁠⁠⁠⁠⁠⁠⁠@backyardpropertypodcast⁠⁠⁠⁠⁠⁠⁠⁠Tusk Finance Email: broker@tuskfinance.com.au--------------------------------------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--------------------------------------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--------------------------------------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.--------------------------------------Follow the podcastSubscribe to my channel: / @⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ThatBackyardPropertyPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Visit my website:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://tuskfinance.com.au⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow me on social media:Facebook: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tuskfinancemk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@mortgageswmichael⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@michaelkilliner⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok: /⁠⁠⁠⁠⁠⁠⁠@backyardpropertypodcast⁠⁠⁠⁠⁠⁠⁠Tusk Finance Email: broker@tuskfinance.com.au--------------------------------------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--------------------------------------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--------------------------------------Follow the podcastSubscribe to my channel: / @⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ThatBackyardPropertyPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Visit my website:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ / ⁠⁠⁠⁠⁠⁠⁠⁠https://tuskfinance.com.au⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow me on social media:Facebook: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tuskfinancemk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@mortgageswmichael⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@michaelkilliner⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@backyardpropertypodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tusk Finance Email: /⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠--------------------------------------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 Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe 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--------------------------------------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 podcastSubscribe to my channel: / @⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ThatBackyardPropertyPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Visit my website:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://tuskfinance.com.au⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow me on social media:Facebook: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tuskfinancemk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@mortgageswmichael⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@michaelkilliner⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok: /⁠⁠⁠⁠⁠⁠@backyardpropertypodcast⁠⁠⁠⁠⁠⁠Tusk Finance Email: broker@tuskfinance.com.au--------------------------------------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#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 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--------------------------------------Follow the podcastSubscribe to my channel: / @⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ThatBackyardPropertyPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Visit my website:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ / ⁠⁠⁠⁠⁠⁠⁠https://tuskfinance.com.au⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow me on social media:Facebook: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tuskfinancemk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@mortgageswmichael⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@michaelkilliner⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@backyardpropertypodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tusk Finance Email: /⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠--------------------------------------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 Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe for more Perth property insights every Tuesday!#PerthProperty #RealEstateAustralia #PropertyMarket2026 #FirstHomeBuyer #PerthRealEstate #MortgageBroker #InvestingAustralia #HomeBuyingTips #Podcast #TuskFinance

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--------------------------------------Follow the podcastSubscribe to my channel: / @⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ThatBackyardPropertyPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Visit my website:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://tuskfinance.com.au⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow me on social media:Facebook: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tuskfinancemk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@mortgageswmichael⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@michaelkilliner⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok: /⁠⁠⁠⁠⁠@backyardpropertypodcast⁠⁠⁠⁠⁠Tusk Finance Email: broker@tuskfinance.com.au--------------------------------------Chapters:00:00 Mini Episode Kickoff01:01 RBA Hike Explained01:51 Why Rates Rose02:47 What It Costs You04:15 Perth Market Context05:42 Action Plan For Borrowers07:45 Investors And Buyers09:21 May Hike Outlook10:06 Final Steps And Wrap--------------------------------------Produced by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠#BridgingFinance #InterestRates #HomeLoan #Mortgage #PropertyFinance #VariableRate #MortgageStrategy #ThatBackyardPropertyPod #FinanceTips

Welcome back to another cracker episode of That Backyard Property Pod! In this episode, host Michael Killiner sits down with property advisor and "guru" Chris Horsfall from Folio Property to dive deep into his incredible investment journey.From starting out as a second-year apprentice to building a portfolio of seven properties across Australia, Chris shares the highs, the lows, and the hard-earned lessons that led him to financial freedom.General advice only and not personal advice. CRN 485467--------------------------------------Follow the podcastSubscribe to my channel: / @⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ThatBackyardPropertyPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Visit my website:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ / ⁠⁠⁠⁠⁠⁠https://tuskfinance.com.au⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow me on social media:Facebook: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tuskfinancemk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@mortgageswmichael⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@michaelkilliner⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@backyardpropertypodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tusk Finance Email: /⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠--------------------------------------Chapters:[00:43] Introduction to Chris Horsfall and Folio Property[01:54] The Strategy of Rentvesting[03:07] Starting on $13 an Hour[05:32] Insights into FIFO Spending Habits.[09:43] Why Negative Gearing is Not a Strategy[11:34] Learning from Costly Mistakes[14:42] Property Selection Fundamentals[17:44] Navigating Borrowing Capacity[20:00] Buying with a Non-PR Partner[38:30] Finding Fulfillment in Helping OthersProduced by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe for more Perth property insights every Tuesday!#PerthProperty #RealEstateAustralia #PropertyMarket2026 #FirstHomeBuyer #PerthRealEstate #MortgageBroker #InvestingAustralia #HomeBuyingTips #Podcast #TuskFinance

In this episode of That Backyard Property Pod, we sit down with Rob Walker, Director of Perth Property Partners, to dive deep into the current state of the Perth real estate market.With nearly two decades of experience as both a buyer’s agent and a selling agent, Rob provides a unique perspective on how today’s "skinny" market compares to the massive boom of 2005.We discuss the critical importance of "time in the market" over "timing the market," the financial traps of trading up too quickly, and the staggering reality of Perth's current stock levels.General advice only and not personal advice. CRN 485467--------------------------------------Follow the podcastSubscribe to my channel: / @⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ThatBackyardPropertyPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Visit my website:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ / ⁠⁠⁠⁠⁠https://tuskfinance.com.au⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow me on social media:Facebook: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tuskfinancemk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@mortgageswmichael⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@michaelkilliner⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@backyardpropertypodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tusk Finance Email: /⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠--------------------------------------Chapters:(0:00) The "Market Gap" Reality: Buying in a Boom(7:43) From Buyer’s Agent to Agency Owner: A Unique Perspective(10:11) Understanding Perth’s Property Cycles(13:07) The Real Cost of "Trading Up" (Stamp Duty & Gaps)(16:18) Affordability Metrics: 2005 vs. Today(21:14) The Perth Stock Shortage Explained(23:26) Why Buyers are Missing Out in This Market(27:02) What Makes a Winning Offer?(29:49) How to Price Your Home Without Guessing(32:17) Avoiding the Overpricing Trap(33:22) How to Choose the Right Agent for the Current Climate(42:42) Navigating Buyer Fatigue and Heartbreak(47:06) Finance Signals That Give You an Edge(48:44) Perth Market Outlook: What’s Next?Produced by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe for more Perth property insights every Tuesday!#PerthProperty #RealEstateAustralia #PropertyMarket2026 #FirstHomeBuyer #PerthRealEstate #MortgageBroker #InvestingAustralia #HomeBuyingTips #Podcast #TuskFinance

In this mini-episode of That Backyard Property Pod, we deep dive into Bridging Finance—the essential tool that helps you transition between properties when you don't have the borrowing capacity to hold two full debts at once.We break down the complexities of "peak debt" vs. "end debt," why you shouldn't always rely on a real estate agent’s appraisal for your valuation, and how different banks handle interest repayments during the bridging period. If you've been told bridging is "bad," it’s time to look at how it can actually be a fantastic tool when structured correctly.General advice only and not personal advice. CRN 485467--------------------------------------Follow the podcastSubscribe to my channel: / @⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ThatBackyardPropertyPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Visit my website:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://tuskfinance.com.au⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow me on social media:Facebook: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tuskfinancemk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@mortgageswmichael⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@michaelkilliner⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok: /⁠⁠⁠⁠@backyardpropertypodcast⁠⁠⁠⁠Tusk Finance Email: broker@tuskfinance.com.au--------------------------------------Chapters:00:00 Mini Episode Intro00:26 The Upgrade Problem00:50 Why Bridging Finance00:59 How Bridging Works01:44 Which Banks Offer It01:56 Peak Debt vs End Debt02:26 Interest and Repayments02:53 Valuations and Sale Price03:25 Making It Work Safely04:00 Myths and Getting Help04:47 Wrap Up and Subscribe--------------------------------------Produced by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠#BridgingFinance #InterestRates #HomeLoan #Mortgage #PropertyFinance #VariableRate #MortgageStrategy #ThatBackyardPropertyPod #FinanceTips

In this episode of That Backyard Property Pod, host Michael sits down with Anja Pannek, the CEO of the Mortgage & Finance Association of Australia (MFAA). Anja shares her journey from an accountant at Ernst & Young to leading the peak national body for mortgage brokers.We dive deep into the "DNA" of the broking industry, exploring how it has evolved from a transactional service into a trusted profession that prioritises the client’s best interest above all else. Whether you are a first-home buyer, a seasoned investor, or someone curious about the "back end" of the Australian lending ecosystem, this conversation is packed with essential insights into the current property market.In this episode, we discuss:🔑 What "Home" Really Means: Ania reflects on her upbringing across different continents and how housing provides families with social and financial mobility.📈 The Rise of the Broker: Why broker market share has jumped from 30% to over 77% in less than two decades⚖️ Regulation & Trust: The impact of the Royal Commission and how "Best Interest Duty" has made the industry stronger than ever.🚀 Future of Lending: The role of Open Banking (CDR), digitisation, and why the "human connection" remains irreplaceable in a tech-driven world.🏘️ The Supply Crisis: A look at the regulatory levers (APRA, RBA) and the structural challenges facing Australian housing supply.General advice only and not personal advice. CRN 485467--------------------------------------Follow the podcastSubscribe to my channel: / @⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ThatBackyardPropertyPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Visit my website:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ / ⁠⁠⁠⁠https://tuskfinance.com.au⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow me on social media:Facebook: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tuskfinancemk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@mortgageswmichael⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@michaelkilliner⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@backyardpropertypodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tusk Finance Email: /⁠⁠⁠⁠[email protected]⁠⁠⁠⁠--------------------------------------Chapters:(0:00) The Need for Advice: Why Australians require more financial guidance in today's market.(1:11) Meet Anja Pannek(1:58) The Meaning of "Home"(7:43) Post-Royal Commission Reform(11:13) Why the industry's DNA is centred on the client relationship.(14:38) Understanding why broker market share has surged to record highs.(15:58) The Broker Remuneration Model: How transparency and accessibility benefit the consumer.(18:13) Behind-the-scenes insights on APRA, ASIC, and the RBA.(21:44) Solving the Supply Crisis(24:14) Brokers as Disruptors: How competition has driven down mortgage costs for everyone.(28:44) Bank vs. Broker Conflict(34:30) Future of LendingProduced by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe for more Perth property insights every Tuesday!#PerthProperty #RealEstateAustralia #PropertyMarket2026 #FirstHomeBuyer #PerthRealEstate #MortgageBroker #InvestingAustralia #HomeBuyingTips #Podcast #TuskFinance

Welcome back to another episode of That Backyard Property Pod! In this mini-series return, we’re tackling one of the most common questions we hear: How can parents help their children break into the property market?The reality is that with the right strategy, many young buyers can enter the market much sooner than they think. Today, we dive deep into the four primary ways families are making this happen, along with the pros, cons, and essential legal or tax considerations for each.General advice only and not personal advice. CRN 485467--------------------------------------Follow the podcastSubscribe to my channel: / @⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ThatBackyardPropertyPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Visit my website:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://tuskfinance.com.au⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow me on social media:Facebook: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tuskfinancemk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@mortgageswmichael⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@michaelkilliner⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok: /⁠⁠⁠@backyardpropertypodcast⁠⁠⁠Tusk Finance Email: broker@tuskfinance.com.au--------------------------------------Chapters:(00:00) Mini Series Returns00:15 Event and Topic Overview(01:18) Four Ways Parents Help(02:24) Option 1 Gifting Money(05:40) Option 2 Silent Investor(07:35) Option 3 Guarantor Basics(10:23) Option 4 Favorable Sale(11:34) Recap and Next Steps(12:22) Seminar Invite and Wrap--------------------------------------Produced by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠#BridgingFinance #InterestRates #HomeLoan #Mortgage #PropertyFinance #VariableRate #MortgageStrategy #ThatBackyardPropertyPod #FinanceTips

Welcome back to a special solo episode of That Backyard Property Pod! Today, we are diving deep into the mechanics of property investing, moving beyond the jargon to show you how to actually put your property to work.In this long-format session, we break down the "how-to" of using equity to fund your next investment without necessarily touching your personal savings. We explore the strategic side of lending, from debt recycling and interest-only structures to the "triangle" of communication needed between you, your broker, and your accountant. Whether you are looking at established builds or land, this episode is your roadmap to building wealth through a clean, professional lending structure.General advice only and not personal advice. CRN 485467--------------------------------------Follow the podcastSubscribe to my channel: / @⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ThatBackyardPropertyPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Visit my website:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ / ⁠⁠⁠⁠https://tuskfinance.com.au⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow me on social media:Facebook: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tuskfinancemk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@mortgageswmichael⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@michaelkilliner⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@backyardpropertypodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tusk Finance Email: /⁠⁠⁠⁠[email protected]⁠⁠⁠⁠--------------------------------------Chapters:(00:00) Welcome: We’re Covering Equity, Lending, Buying an Investment(00:50) Equity 101: What It Is and Why It Matters(01:55) Calculating Usable Equity (80% Rule, Valuations & LMI Trade-Offs)(03:59) Structuring the Equity Release: Split Loans, Offsets & Interest-Only Setup(06:58) Debt Recycling Explained (Using Savings Without Wasting the Tax Outcome)(09:30) How Much Deposit Do You Need? 10% vs 20% + Costs(10:43) Lending Structures: Choosing a Bank (Policy First, Valuations Second, Rate Last)(15:15) Entity & Trust Lending Pitfalls (Personal vs Joint vs Trust vs Company)(17:50) P&I vs Interest-Only + Cashflow/Offset Strategy for Investors(19:53) Buying the Investment: Research, Location Choice & Offer Basics(21:35) Negotiation Levers: Deposit, Finance Clause & Settlement Timing(23:32) Avoid Cross-Collateralisation (Keep the Two Properties Uncrossed)(24:41) Wrap-Up: Get Regular Valuations, Ask Questions & Next Week’s Guest--------------------------------------Produced by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe for more Perth property insights every Tuesday!#PerthProperty #RealEstateAustralia #PropertyMarket2026 #FirstHomeBuyer #WhiteFoxPerth #PerthRealEstate #InvestingAustralia #BridesmaidSuburbs #HomeBuyingTips

In this episode of That Backyard Property Pod, Michael sits down with Robyn Lee, Director of Loop Leasing, to pull back the curtain on the world of property management. From harrowing horror stories of "bullet holes and blood" to the rise of the "accidental investor," Robyn shares her expert perspective on what it really takes to manage a property in today’s climate.Whether you are a seasoned landlord or thinking about leasing your first home, this conversation is packed with "boots-on-the-ground" insights you won't hear in the mainstream news.General advice only and not personal advice. CRN 485467--------------------------------------Follow the podcastSubscribe to my channel: / @⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ThatBackyardPropertyPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Visit my website:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ / ⁠⁠⁠https://tuskfinance.com.au⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow me on social media:Facebook: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tuskfinancemk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@mortgageswmichael⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@michaelkilliner⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok: /⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@backyardpropertypodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tusk Finance Email: /⁠⁠⁠[email protected]⁠⁠⁠Connect with Robyn Lee:linkedin.com/in/robyn-lee-property-management-expert-a0125318b--------------------------------------Chapters:00:00 Rental Horror Story: Bullet Holes, Flies & Drug Activity00:48 Meet Robyn Lee (Loop Leasing) + What This Episode Covers01:18 What ‘Home’ Means: The Accidental Investor Mindset02:43 Rebranding the Relationship: ‘Owner & Occupier’ vs Landlord & Tenant04:18 Behind the Scenes: Staffing Challenges & Why PMs Feel Undervalued06:24 Perth Rental Market Right Now: Inner Suburbs vs Outer Growth Corridors07:54 2026–2027 Outlook: Interest Rates, Affordability & Tenants Turning Buyers09:54 The Hidden Costs of Owning an Investment Property (Maintenance Shockers)12:15 3 Common Investor Mistakes: Maintenance, Sales Agents & Buying Tenanted13:58 Buying with a Tenant in Place: Leases, Rent Increases & Legal Gotchas15:46 DIY vs Hiring a Property Manager: Fees vs Vacancy, Rent & Risk17:46 How to Choose the Right Property Manager: What to Check (Not Just Ask)19:01 Secret Shopping Property Managers: Home Opens, Call Tests & Tenant Experience21:24 Real Horror Story: Unsafe Inspection, Court Eviction & Landlord Insurance Win23:41 The Psychology of Property Management: De-escalation & Solution-Focused Service25:41 Investor Trends on the Ground: Interstate vs Local ‘Accidental’ Investors27:18 Growing Loop Leasing: Tech Stack, 360 Tours, VAs & Where AI Actually Helps32:55 What She’s Proud Of + Closing Thanks & Podcast Wrap-UpProduced by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe for more Perth property insights every Tuesday!#PerthProperty #RealEstateAustralia #PropertyMarket2026 #FirstHomeBuyer #WhiteFoxPerth #PerthRealEstate #InvestingAustralia #BridesmaidSuburbs #HomeBuyingTips