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

In this episode, the Property Trio unpack debt recycling in plain English, explaining how it works and why it’s often misunderstood. Cate, Dave and Mike explore tax deductibility, redraw traps and cash flow risks, helping listeners understand when the strategy can add value... and when it may do more harm than good.

The Property Trio is: 

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

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

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

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

You can find more info about topics covered in today's show here:
https://www.propertytrio.com.au/2026/02/23/pre-sale-improvements/

And... don't forget our LIVE Podcast Event - Thursday 5th March at Latrobe Golf Club - 8 Farm Road, Alphington, VIC. 

You can access tickets Here.

🎧 In this month’s Property Trio market update, Cate, Dave and Mike unpack the latest January 2026 monthly market figures.
 
Following the recent cash rate increase of 25 basis points, the Trio reflect on the conditions that lead the RBA Board to raise interest rates in Feb. This was after more than six months of rates on hold following early 2025's three sets of cuts. Inflation was the primary driver, but many factors are taken into account. Join the Trio as they discuss the rationale behind the decision, and uncover more detail in the data that's unfolding.

The Property Trio is: 

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

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

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

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

You can find more info about topics covered in today's show here:
https://www.propertytrio.com.au/2026/02/16/ep-349-january-2026-market-update/

And... don't forget our LIVE Podcast Event - Thursday 5th March at Latrobe Golf Club - 8 Farm Road, Alphington, VIC. 

You can access tickets Here.
https://www.propertytrio.com.au/2026/01/19/ep-345-december-2025-market-update/

In this episode, the Property Trio unpack debt recycling in plain English, explaining how it works and why it’s often misunderstood. Cate, Dave and Mike explore tax deductibility, redraw traps and cash flow risks, helping listeners understand when the strategy can add value... and when it may do more harm than good.

The Property Trio is: 

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

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

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

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

You can find more info about topics covered in today's show here:
https://www.propertytrio.com.au/2026/02/09/debt-recycling/

And... don't forget our LIVE Podcast Event - Thursday 5th March at Latrobe Golf Club - 8 Farm Road, Alphington, VIC. 

You can access tickets Here.

In this episode of The Property Trio Podcast, Dave hosts the annual "How did we go?" predictions episode. The Trio have a bit of fun, going through their 2025 predictions and applying a scorecard for each other's accuracy. Who got it right? What did they get wrong? And what surprises did they miss? Cate, Dave and Mike are open, reflective and honest about how they each fared.

The Property Trio is: 

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

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

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

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

You can find more info about topics covered in today's show here:
https://www.propertytrio.com.au/2026/02/02/2025-predictions-review/

And... don't forget our LIVE Podcast Event - Thursday 5th March at Latrobe Golf Club - 8 Farm Road, Alphington, VIC. 

You can access tickets Here.

This episode of The Property Trio Podcast was sparked by a fantastic listener question from Callum. The Trio dive into the mortgage questions borrowers ask every single day – plus a few curveballs that catch even experienced investors off guard.

The Property Trio is: 

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

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

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

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

You can find more info about topics covered in today's show here:
https://www.propertytrio.com.au/2026/01/26/rules-for-borrowers/

And... don't forget our LIVE Podcast Event - Thursday 5th March at Latrobe Golf Club - 8 Farm Road, Alphington, VIC. 

You can access tickets Here.