That Backyard Property Podcast

Michael Killiner

I'm Michael Killiner the host of 'That Backyard Property' podcast. Join me as we embark on an exciting journey to help, inspire, and empower prospective property buyers in Australia. The podcast will explore the property buying process, the myths surrounding property acquisition, and practical guidance for navigating the market. I'll speak with expert guests to provide valuable insights every fortnight, alongside bite-sized episodes to simplify complex real estate jargon for you. Tune in every Tuesday for new episodes and learn how to take decisive steps towards your property goals!

  1. 19h ago ·  Bonus

    How to Sell Your Investment Property Tax Free

    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 budget The four conditions you must meet to qualify for the exemption Real dollar examples showing a completely tax free sale What happens if you go past the six years and how partial exemptions work Why leaving a property vacant can extend the exemption indefinitely The reset trick that lets you claim a fresh six year window How genuine reoccupation is tested by the Tax Office Common mistakes that cost people tens of thousands of dollars Why becoming a foreign resident can wipe out the exemption entirely --------------------------------- Subscribe: https://www.youtube.com/@ThatBackyardPropertyPodcast Instagram: https://www.instagram.com/backyardpropertypod?igsh=MWhkOWx5YzJxdDc3ag== Website: https://tuskfinance.com.au Connect with Michael: Facebook: https://www.facebook.com/tuskfinancemk Instagram: https://www.instagram.com/mortgageswmichael LinkedIn: https://www.linkedin.com/in/michaelkilliner TikTok: https://www.tiktok.com/@backyardpropertypodcast Tusk Finance: broker@tuskfinance.com.au Chapters: (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

    12 min

  2. 2d ago

    Listings Up 50%: The Perth Market Buyers Have Been Waiting For with Rowen Powell

    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 buyers How to spot quality fundamentals: orientation, location, land size and school zones Why owner occupiers are back as king and what is driving the shift The two-speed Perth market and how price point and income split it Why subject to sale offers are making a comeback and how to use them How buyer fatigue leads people to overpay and how to avoid it What to look for when choosing a high performing agent in a softer market How high net worth buyers think differently and what you can learn from them Where Rowen sees the Perth market heading from September onwards --------------------------------- Subscribe: https://www.youtube.com/@ThatBackyardPropertyPodcast Instagram: https://www.instagram.com/backyardpropertypod?igsh=MWhkOWx5YzJxdDc3ag== Website: https://tuskfinance.com.au Connect with Michael: Facebook: https://www.facebook.com/tuskfinancemk Instagram: https://www.instagram.com/mortgageswmichael LinkedIn: https://www.linkedin.com/in/michaelkilliner TikTok: https://www.tiktok.com/@backyardpropertypodcast Tusk Finance: broker@tuskfinance.com.au Chapters: (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 buying Produced 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

    32 min

  3. Jun 24 ·  Bonus

    You're Sitting on $240k in Usable Equity: Here's How to Use It

    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 sum Why you can only use up to 80% of your home's value, and what "usable equity" means How cash actually comes out of your home through a valuation and loan top-up How equity becomes a deposit without touching your savings Why your income and serviceability still matter, even with equity How to structure two separate loan splits to protect your tax position The deductibility changes since the budget for established homes Why the cash-out loan should be interest-only with a linked offset Where 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.au Connect with Michael: Facebook: https://www.facebook.com/tuskfinancemk Instagram: https://www.instagram.com/mortgageswmichael LinkedIn: https://www.linkedin.com/in/michaelkilliner TikTok: https://www.tiktok.com/@backyardpropertypodcast Tusk Finance: broker@tuskfinance.com.au Chapters: (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-up Produced 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

    11 min

  4. Jun 22

    The Mortgage Mistakes Costing You Years with The Savvy Mam

    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/@ThatBackyardPropertyPodcast Instagram: https://www.instagram.com/backyardpropertypod?igsh=MWhkOWx5YzJxdDc3ag== Website: https://tuskfinance.com.au Connect with Michael: Facebook: https://www.facebook.com/tuskfinancemk Instagram: https://www.instagram.com/mortgageswmichael LinkedIn: https://www.linkedin.com/in/michaelkilliner TikTok: https://www.tiktok.com/@backyardpropertypodcast Tusk Finance: broker@tuskfinance.com.au Chapters: (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

    57 min

  5. Jun 17 ·  Bonus

    Perth Property: Is the Boom Finally Cooling?

    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 485467 In 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 borrow Subscribe: https://youtube.com/@ThatBackyardPropertyPodcastInstagram: https://instagram.com/backyardpropertypod?igsh=MWhkOWx5YzJxdDc3ag==Website: https://tuskfinance.com.au Connect with Michael:Facebook: https://facebook.com/tuskfinancemkInstagram: https://instagram.com/mortgageswmichaelLinkedIn: https://linkedin.com/in/michaelkillinerTikTok: https://tiktok.com/@backyardpropertypodcastTusk Finance: broker@tuskfinance.com.au Chapters: (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 capacity Produced 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

    9 min

  6. Jun 16

    From Property to Product: Launching Sashet from Scratch with Rob Tucker

    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 it How to reframe success away from "I'll be happy when…" The freedom of dropping the big end-goal and staying present Building a loud, retro brand in a crowded wellness space Sourcing ultra-pure WA sodium from million-year-old Lake Deborah The custom formulation journey vs the white-label shortcut Why packaging is the product, not an afterthought Navigating contract manufacturing as a complete outsider Advice for anyone wanting to escape the 9-to-5 the right way --------------------------------- Subscribe: https://www.youtube.com/@ThatBackyardPropertyPodcast Instagram: https://www.instagram.com/backyardpropertypod?igsh=MWhkOWx5YzJxdDc3ag== Website: https://tuskfinance.com.au Connect with Michael: Facebook: https://www.facebook.com/tuskfinancemk Instagram: https://www.instagram.com/mortgageswmichael LinkedIn: https://www.linkedin.com/in/michaelkilliner TikTok: https://www.tiktok.com/@backyardpropertypodcast Tusk Finance: broker@tuskfinance.com.au Sashet 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 Sachet Produced 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

    50 min

  7. Jun 11 ·  Bonus

    Should You Fix Your Home Loan Right Now? (The Honest Answer)

    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 matters The three numbers the Reserve Bank watches and why they're telling different stories Why inflation says hold, jobs say cut, and growth says be careful The single biggest mindset shift: fixing your rate is insurance, not a bet Why you'll almost never outguess the bank and why that's not the point The honest questions to ask before you fix any part of your loan What you give up when you fix: offset accounts, extra repayments, break costs How a split loan can give you certainty and flexibility at the same time Why being unsure right now is a sensible response, not a failing-------------------------------------- Subscribe YouTube:⁠⁠⁠https://www.youtube.com/@ThatBackyardPropertyPodcast⁠⁠⁠ Instagram:⁠⁠⁠https://www.instagram.com/backyardpropertypod?igsh=MWhkOWx5YzJxdDc3ag==⁠⁠⁠ Website: ⁠⁠⁠https://tuskfinance.com.au⁠⁠⁠ Connect with Michael: Facebook: ⁠⁠https://www.facebook.com/tuskfinancemk⁠⁠ Instagram:⁠⁠ https://www.instagram.com/mortgageswmichael ⁠⁠ LinkedIn: ⁠⁠https://www.linkedin.com/in/michaelkilliner⁠⁠ TikTok: ⁠⁠https://www.tiktok.com/@backyardpropertypodcast⁠⁠ Tusk Finance: ⁠⁠broker@tuskfinance.com.au⁠⁠ -------------------------------------- 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 help Produced by ⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠: ⁠⁠⁠https://www.podwavestudios.au⁠⁠⁠ #AustralianBudget2026 #Budget2026 #NegativeGearing #PropertyInvesting #AustralianProperty #BorrowingCapacity #InvestmentProperty #RealEstateAustralia #PropertyPodcast #MortgageBroker #DebtRecycling #Perth #ThatBackyardPropertyPodcast #MichaelKilliner

    10 min

  8. Jun 10

    $838 Million Lost to Scams. How to Protect Yourself & Your Family with Tracy Hall

    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 optimism Pig butchering scams — the industrialised, human-trafficked compounds fleecing the world The biggest red flags: proactive outreach, crypto, urgency and impersonation Voice cloning, deep fakes and why your voicemail message is a risk The simple two-minute domain check that could save someone $1.6 million The "sandwich generation" — protecting aging parents and teenage kids at once Financial extortion of teens on Instagram and Snapchat — and how to talk about it The one change Tracey would make: mandatory ID verification on dating apps How she turned the worst experience of her life into her life's purpose Subscribe: https://www.youtube.com/@ThatBackyardPropertyPodcast Instagram: https://www.instagram.com/backyardpropertypod?igsh=MWhkOWx5YzJxdDc3ag== Website: https://tuskfinance.com.au Connect with Michael: Facebook: https://www.facebook.com/tuskfinancemk Instagram: https://www.instagram.com/mortgageswmichael LinkedIn: https://www.linkedin.com/in/michaelkilliner TikTok: https://www.tiktok.com/@backyardpropertypodcast Tusk Finance: broker@tuskfinance.com.au Chapters: (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 you Produced 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

    49 min
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About

I'm Michael Killiner the host of 'That Backyard Property' podcast. Join me as we embark on an exciting journey to help, inspire, and empower prospective property buyers in Australia. The podcast will explore the property buying process, the myths surrounding property acquisition, and practical guidance for navigating the market. I'll speak with expert guests to provide valuable insights every fortnight, alongside bite-sized episodes to simplify complex real estate jargon for you. Tune in every Tuesday for new episodes and learn how to take decisive steps towards your property goals!

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