That Backyard Property Podcast

Michael Killiner
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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. 2h ago ·  Bonus

    The Real Reason You Can't Lock In Your Mortgage Rate For Decades

    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 loans How banks actually fund the mortgage they lend you The borrow short, lend long problem explained simply Why 97% of new Australian loans are variable rate How America uses Fannie Mae and Freddie Mac to offer 30 year fixed loans A new report calling out how much risk Australian borrowers carry Four proposed reforms including tracker mortgages and LMI changes The hidden catch with long term fixed rates Why choice, not just fixing for longer, is what actually matters --------------------------------- 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) 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 recap Produced 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

  2. 2d ago

    How to Invest for Your Kids on Just $20 a Week with Nick Menegola

    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/@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 Produced 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

  3. Jul 15 ·  Bonus

    Good Debt, Bad Debt, Ugly Debt: What the May Budget Changed

    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 works What actually counts as good debt The old rule: investment debt good, home debt bad Why negative gearing is being quarantined from July 2027 How the 50% CGT discount is being replaced Why your home loan might be the best tax-free asset you own What counts as bad debt and why it should be temporary How a credit card limit cuts your borrowing power by 5x The right way to rank, pay down and consolidate debt --------------------------------- 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) 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 Consolidating Produced 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

  4. Jul 13

    Forget Rate Cuts: Why We're Stuck at This Level for a While with Vanessa Rader

    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 builds How the change could push more buyers into commercial property The real difference between residential and commercial yields Why commercial leases are far more complex than resi What falling stamp duty revenue means for state governments The CGT discount changes and what they cost property sellers Why unemployment data may be worse than the official numbers show Where interest rates are headed over the next 12 to 18 months Why 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 fearful 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 Produced 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

  5. Jul 8 ·  Bonus

    80K In, 150K Out: The Tax Free Renovation Play for Perth Property Owners

    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 2027 The main residence exemption and why it was left completely untouched The maths behind renovating your own home for tax free capital growth The upgrade ladder: rolling tax free gains into your next home, again and again Why the rentvestor strategy is being reversed by younger buyers Using your offset account for a guaranteed, tax free return The honest counterpoint: concentration risk and liquidity concerns Why this isn't a one size fits all strategy The four key takeaways every homeowner should know before acting --------------------------------- 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) 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 line 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

  6. Jul 6

    Nine Weeks Unsold: Why Even Perth's Best Agents Are Feeling It

    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 cautious What's driving demand in Subiaco and Shenton Park right now How home open numbers compare to this time last year Telling sellers their home is worth less than expected Advice for newer agents navigating a slower market Why buyer relationships matter as much as closing the sale How Clare protects her energy and avoids burnout The story behind rebranding from The Property Exchange to Haven Working alongside her daughter Brittany and what she's learned from her --------------------------------- Timecodes: 00:00 Introduction: the toughest home open in years 00:35 Welcome Clare Nation from Haven Property Central 01:40 Why Clare got into real estate at 18 03:00 Subiaco and Shenton Park in 2026 06:20 Becoming Subiaco's go to agent 09:30 Considered, not cautious: how the market is shifting 13:45 Telling sellers their home is worth less 15:45 Advice for agents navigating a slower market 18:55 Why buyer relationships matter as much as sales 21:50 Keeping her cup full 24:15 The tough call to rebrand as Haven 29:15 Working alongside daughter Brittany 34:55 Where Perth property is heading in 2026 and 2027 38:00 What Clare is most proud of 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 Produced 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

  7. Jul 1 ·  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

  8. Jun 29

    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

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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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