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. 3d ago ·  Bonus

    The Mortgage Stress Nobody Is Measuring Yet

    Three rate rises this year, and yet arrears are still low and the banks say everything is fine. In this mini episode, Michael breaks down what those headline numbers are hiding: the offset and redraw buffers Australian households spent years building, and why the fact they are quietly shrinking is the real signal to watch. 🔔 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 low arrears do not mean mortgage stress is under control The one question only you can answer: is your offset growing or shrinking? How your buffer works as a shock absorber, and what happens when it runs out Why household totals look fine in aggregate while individual loans fall behind What the official data will and will not tell us until late September Why a shrinking offset is a signal, not a moral failing Three levers to ease cashflow: extending the loan term, interest only, or accessing cash Why you need to act before you miss a repayment, not after What the RBA is watching alongside unemployment right now ------------------------------------------------ Subscribe: https://youtube.com/@ThatBackyardPropertyPodcast Instagram: https://instagram.com/backyardpropertypod?igsh=MWhkOWx5YzJxdDc3ag== Website: https://tuskfinance.com.au Connect 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: broker@tuskfinance.com.au ------------------------------------------------ Chapters: (00:00) The stress the headlines are hiding (00:30) Is your offset growing or shrinking? (01:05) Your buffer is a shock absorber (01:40) Aggregates hide people: arrears are creeping up (02:25) Why nobody can call it until late September (03:00) A thinning buffer is a signal, not a failing (03:30) Extend the term, go interest only, or access cash (04:35) Don't sit quietly: review the loan now (04:55) No shame in putting your hand up ------------------------------------------------ Produced by Podwave Studios: https://www.podwavestudios.au #MortgageStress #OffsetAccount #InterestRates #RBA #RateRise #HomeLoan #Refinance #MortgageBroker #AustralianProperty #PropertyInvesting #CostOfLiving #Redraw #HouseholdBudget #Cashflow #InterestOnly #LoanTerm #PerthProperty #PropertyPodcast #MoneyTips #FinanceTips

  2. 5d ago

    The $150K Hidden Cost Of Building Your Own Home with Daniel Paton

    Daniel Paton says renting for 18 months while you build can quietly cost you $150,000 in after tax money and hidden opportunity cost, and most people don't realise it until they're halfway through the build. In this episode, Michael sits down with Daniel Paton, founder of Developed and WA's only dual qualified town planner and surveyor, to unpack the R Codes, granny flats, modular construction and why data centres might not be housing's biggest problem after all. 🔔 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 Daniel would scrap stamp duty for over 65 sellers and under 35 buyers Whether a land tax model could ever realistically replace stamp duty How WA's no minimum lot size rule is transforming granny flats Practical ways to save Perth's street trees without blocking development What separates professional developers from mum and dad investors The due diligence mistakes that catch out first time developers Why modular construction could still be a decade from going mainstream How scrapping negative gearing is reshaping who buys development sites What's really happening inside WA's data centre boom Subscribe: https://youtube.com/@ThatBackyardPropertyPodcast Instagram: https://instagram.com/backyardpropertypod?igsh=MWhkOWx5YzJxdDc3ag== Website: https://tuskfinance.com.au Connect 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: broker@tuskfinance.com.auChapters: 00:00 Cold open and meet Daniel Paton of Developed 01:55 What Daniel would change about the R Codes 02:55 Scrapping stamp duty for downsizers and young buyers 03:46 Why Trent Fleskens calls stamp duty criminal 04:10 Could a land tax model replace stamp duty 04:59 WA's no minimum lot size granny flat rule 06:40 Keeping Perth's greenery as blocks get smaller 08:17 Solving the crossover versus tree standoff 09:38 What developers actually need to keep building 11:52 Why modular construction is finally taking off 14:40 A day inside Developed 16:10 The single storey trend since the budget 16:55 Professional developers versus mum and dad investors 19:00 The due diligence mistakes that catch buyers out 21:35 Where Perth Metro is about to open up 23:05 The real block size you need to keep the house 23:57 Is this property cycle different from 15 years ago 25:46 How scrapping negative gearing is reshaping the market 27:10 Replacement value versus market value 28:38 How close modular is to going mainstream 29:01 Balancing family, business and fatherhood 31:08 What Daniel is most proud of 32:00 Inside the data centre boom 34:04 Are data centres pulling resources from housing Produced by Podwave Studios: https://www.podwavestudios.au ------------------------------ #PerthProperty #PropertyInvesting #WesternAustralia #RealEstateAustralia #TownPlanning #RCodes #GrannyFlat #StampDuty #ModularConstruction #PropertyDevelopment #NegativeGearing #DataCentres #PerthRealEstate #PropertyMarket #AustralianProperty #InfillDevelopment #WAProperty #PropertyPodcast #ThatBackyardPropertyPod #RealEstateInvesting

  3. Aug 26 ·  Bonus

    Your House Just Dropped in Value: Why It Hurts When Nothing Actually Changed

    Higher-value homes fell more than 3% last quarter, yet not a single cent left anyone's bank account. So why does a lower valuation hurt so much? In this episode, Michael breaks down the wealth effect, why falling property values mess with your head, and the one question that actually matters before you make any decision. 🔔 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 a lower valuation feels like a loss even when your cash hasn't moved The difference between the number a valuer puts on your house and the money in your account What economists mean by the wealth effect, and how it changes your spending Why the RBA is quietly counting on you to feel poorer How falling values pull demand out of the economy and help ease inflation Where the falls are landing hardest, and why the top end is hurting most Why a paper dip only becomes a real loss if you're forced to sell The smart move on valuations now if you plan to borrow in the next few months Why feelings make a terrible financial advisor when your plan is on the line Subscribe: https://youtube.com/@ThatBackyardPropertyPodcast Instagram: https://instagram.com/backyardpropertypod?igsh=MWhkOWx5YzJxdDc3ag== Website: https://tuskfinance.com.au Connect 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: broker@tuskfinance.com.au Chapters: (00:00) The knot in your stomach (00:40) Values fell across the nation in July (01:16) Two numbers that feel like one (01:34) The wealth effect explained (02:00) Why the RBA is counting on this (02:44) If you're not selling, it's just paper (02:55) Why the top end is hurting most (03:22) Don't let the number scare you (04:00) Get your valuations done now (04:50) Feelings are a terrible financial advisor (05:20) Where you stand and how we can help Produced by Podwave Studios: https://www.podwavestudios.au #propertyvalues #wealtheffect #australianproperty #propertymarket #housepricesaustralia #perthproperty #realestateaustralia #propertyinvesting #mortgagebroker #homeloans #rba #interestrates #propertyvaluation #borrowingcapacity #equity #propertyaustralia #housingmarket #financetips #propertypodcast #tuskfinance

  4. Aug 26 ·  Bonus

    Why Paying Off Your Loan in 7 Years Is a Lie

    Do nothing clever with an $800,000 home loan and you'll pay back $1.73 million: over $900,000 in interest alone. In this episode, Michael breaks down the real mechanics of killing your mortgage faster, from offset and redraw to the one strategy the budget left standing. 🔔 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 an $800,000 loan really costs you $1.73 million over 30 years How interest is front-loaded, and why your early repayments barely touch the balance Why extra repayments early are worth far more than the same dollars later The real numbers: an extra $500 a month cuts six years and saves $230,000 Offset explained: your money stays accessible while cutting daily interest Redraw explained, plus the three catches most people miss The tax-deductibility trap that can cost you tens of thousands down the track Debt recycling: how the wealthy turn bad debt into good debt without borrowing more Why the seven-year mortgage secret is mostly noise, and what actually works Subscribe: https://youtube.com/@ThatBackyardPropertyPodcast Instagram: https://instagram.com/backyardpropertypod?igsh=MWhkOWx5YzJxdDc3ag== Website: https://tuskfinance.com.au Connect 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: broker@tuskfinance.com.au Chapters: (00:00) The number that should make you angry (01:35) Why early extra repayments win (02:20) Offset vs redraw, made clean (03:05) The three redraw catches most people miss (04:04) Debt recycling: turning bad debt into good (04:58) Did the budget kill debt recycling? (05:36) The seven-year mortgage myth (06:16) The real mechanism hiding in the hype (07:20) It all comes down to structure Produced by Podwave Studios: https://www.podwavestudios.au #mortgage #homeloan #offsetaccount #redraw #debtrecycling #payoffmortgage #australianproperty #propertyinvesting #mortgagebroker #perthproperty #interestrates #homeownership #financialfreedom #propertyfinance #mortgagetips #investmentproperty #taxdeductible #negativegearing #wealthbuilding #moneytips

  5. Aug 24

    Brooko's 2 Year Search for a $615k Perth Home: Was It Worth It?

    Brooko spent nearly two years and countless weekend home opens chasing her first property before finally landing a $615,000 fixer-upper in the Perth hills. In this episode, Michael sits down with returning guest Brooke, the journalist and PR pro behind YouTube's BrookoMoves, to unpack what actually changes once the keys are in your hand. 🔔 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 the moment of finally owning a home hit harder than Brooke ever expected The offset account mistake that had her convinced her money had vanished What it really costs to make an unliveable house safe enough to move into The paint, primer and sealer bills nobody warns first home buyers about How Brooke handles online critics who say she never should have bought The wealth mindset she leans on when her home value dips on paper Why two rate rises in a row left her asking if it ever ends What Michael expects from the RBA across the last meetings of the year The unexpected joys of hills living, from roller doors to walking trails If you're interested in the Masterclass workshop with Fab here is the link - https://bespokehomesadvisory.com.au/event/all-you-need-to-know-about-subdividing-and-building/ Subscribe: https://youtube.com/@ThatBackyardPropertyPodcast Instagram: https://instagram.com/backyardpropertypod?igsh=MWhkOWx5YzJxdDc3ag== Website: https://tuskfinance.com.au Connect with Michael: Facebookhttps://facebook.com/tuskfinancemk Instagram https://instagram.com/mortgageswmichael LinkedIn https://linkedin.com/in/michaelkilliner TikTok https://tiktok.com/@backyardpropertypodcast Tusk Finance: broker@tuskfinance.com.auChapters: (00:00) The moment she knew: happier than ever before (00:46) Brooke O'Meara returns, now a proud homeowner (01:30) Was buying a home everything she hoped? (04:15) A brand new person: Brooke 2.0 (07:10) The offset account mistake that freaked her out (09:40) Michael's own interest shock: the mortgage that filled itself (10:55) Tackling an unliveable house: cleaning, windows and pink paint (12:40) The roller door that changed everything (15:30) Handling the haters in the comments (17:55) Doing it on her own: pride, parents and resilience (19:40) The wealth effect and a value that dipped on paper (21:55) Two rate rises in and asking: where does it end? (24:35) What's next: renovations, saving and local holidays (27:35) Discovering the hills: trails, waterfalls and country air (28:45) The final question: does she miss the real estate agents? Produced by Podwave Studios: https://www.podwavestudios.au #PerthProperty #FirstHomeBuyer #PerthRealEstate #HomeOwnership #AustralianProperty #MortgageTips #OffsetAccount #PropertyMarket #PerthHills #RenovationJourney #FirstHome #InterestRates #RBA #PropertyPodcast #BackyardProperty #HomeLoan #WAProperty #BuyingAHome #FixerUpper #TuskFinance

  6. Aug 19

    Inflation Eased to 3.8%: So Why Do You Feel Poorer?

    Petrol fell almost 11% in a single month, yet your power bill is up 22% over the year. That's the gap between the inflation headline and the bills actually crushing your cash flow. In this episode, Michael breaks down the numbers behind the numbers: why services inflation is stuck, why a rate cut isn't coming soon, and exactly what you can do about it 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 485467In this episode:Why headline inflation of 3.8% hides the bills that actually hurtThe split between goods (3.5%) and services (4.0%) inflation explainedWhy power bills have jumped 22% and rebates are endingHome and contents insurance up nearly 15%, around $374 extra a yearWhy services inflation is "sticky" and homegrownWhy underlying inflation can't fall back to the RBA's 2.5% target yetThe three remaining 2026 RBA meetings and why a cut isn't on the tableHow to fight back: shop your insurance renewal hardThe bank rate war right now and how to use it to your advantageSubscribe: 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: broker@tuskfinance.com.auChapters:(00:00) The cost of living gap nobody explains(00:25) Why the 3.8% inflation number is misleading(00:45) Goods vs services: inflation's two halves(01:10) Power up 22%, insurance up 15%(01:55) Why services inflation is sticky and local(02:20) Why a rate cut can't happen yet(02:50) The three RBA meetings left this year(03:15) Know your real position at today's rate(03:35) The bank rate war and how to use it(04:10) Call your bank, ask for a discharge(04:55) Where to cut costs before year endProduced by Podwave Studios: https://www.podwavestudios.au#costofliving #inflation #australianproperty #perthproperty #ratecut #rba #interestrates #mortgagebroker #homeloan #refinance #tuskfinance #backyardpropertypodcast #perthpropertymarket #propertyinvesting #australianeconomy #insurancecosts #powerbills #cpi #michellebullock #financetips

  7. Aug 17

    The Nasty Blocks Buyers Are Getting Trapped By, with Fab Marion

    Building costs in Perth have jumped 40% or more in the past five years, and one government stimulus package in June 2020 is a big part of why. In this episode, Michael sits down with Fab Marion, a building and subdivision advisor with 14 years in the industry, to unpack how to build a home without making the mistakes that catch first-time builders out. 🔔 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 you should start with the numbers before you start manifesting your dream home How to turn your lifestyle and daily routines into a home design brief The four options when you outgrow your home: renovate, knock down and rebuild, sell and buy, or stay put Why a renovation can cost more per square metre than building new How 22,500 building approvals in one year overwhelmed the industry What makes a block nasty, and the hidden costs of slope, access, and neighbouring structures Why limited blocks mean fewer builders and a more expensive build The three levers of building: your requirements, your budget, and your builder type Fab's take on the proposed R Code and subdivision changes How Fab manages stress and stays present as a business owner, father, and husband Subscribe: https://youtube.com/@ThatBackyardPropertyPodcast Instagram: https://instagram.com/backyardpropertypod?igsh=MWhkOWx5YzJxdDc3ag== Website: https://tuskfinance.com.au Connect with Michael: Facebook https://facebook.com/tuskfinancemk, Instagramhttps://instagram.com/mortgageswmichael, LinkedIn https://linkedin.com/in/michaelkilliner, TikTok https://tiktok.com/@backyardpropertypodcast, Tusk Finance: broker@tuskfinance.com.au Chapters: (00:45) Why this episode is a must listen (01:15) The one thing every home builder should understand (03:35) Turning lifestyle into a design brief (05:50) Balancing two decision makers in a couple (08:40) Bringing a family's ideas to life (10:35) Renovate, knock down, sell, or stay put (12:35) A Mount Hawthorn case study on running the numbers (14:10) Why footprint rules can force a renovation (15:55) How much building costs have changed in five years (18:50) What makes a block nasty (22:55) The three items to have on your list (23:35) The three levers: requirements, budget, and builder (27:15) The proposed R Code and subdivision changes (32:45) Carrying the weight as a business owner and father (35:55) What Fab is most proud of Produced by Podwave Studios: https://www.podwavestudios.au #PerthProperty #BuildingAHome #NewHomeBuild #PerthBuilders #PropertyAdvice #HomeBuildingTips #Subdivision #RCodes #KnockDownRebuild #RenovationVsRebuild #PropertyDevelopment #BuildingCosts #PerthRealEstate #DreamHome #CustomHomes #WAProperty #HomeDesign #PropertyInvestment #FabMarion #ThatBackyardPropertyPodcast

  8. Aug 12

    The $10,000 Credit Card That's Costing You $50,000 in Borrowing Power

    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 485467 In this episode: The one number that decides almost everything about your property journey What the assessment rate is and why banks test you roughly 3% above your actual rate Why second and third tier lenders assess at 1% to 2%, and what that unlocks The back of envelope rule for owner occupied borrowing capacity The rule for investment borrowing capacity, and how rent factors in How negative gearing changes have cut investor capacity by at least 10% The credit card trap costing borrowers five times their limit AMP's new Equity Flex loan, 40 year terms and up to 10 years interest only The detail most people will misread about how it is actually assessed Why interest only is a strategy tool, not a shortcut Subscribe: https://youtube.com/@ThatBackyardPropertyPodcastInstagram: https://instagram.com/backyardpropertypod?igsh=MWhkOWx5YzJxdDc3ag==Website: https://tuskfinance.com.au Connect 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: broker@tuskfinance.com.au Chapters: (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% buffer Produced 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

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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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