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. 10h ago

    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

  2. 2d ago

    Perth Has 13% Left to Run, with Reece Beddall

    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 485467 In this episode: Why East Coast investors are quietly exiting Perth after 100 percent plus gains The affordability index, and how it predicted Brisbane topping out at exactly 47 percent Why Perth still has at least 13 percent of house price growth left in the tank The price brackets still moving in Perth, and the one where nobody is showing up to viewings What a 15 to 30 percent drop in the major lenders' books actually signals Why Perth is 32,000 homes short and what happens when sentiment turns Whether the proposed R20 zoning changes should change your buying strategy The two year timeline nobody mentions before you buy a subdivision block Why Hobart and Darwin look great on paper and still worry Reece 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: (00:00) 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 story Produced 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

  3. Aug 6 ·  Bonus

    Why Perth Property Prices Keep Rising While the Rest of Australia Falls

    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 falls The real story behind Perth's growth: supply, not demand Why building approvals are up but home starts are falling Three reasons the construction pipeline is jammed Why apartment approvals fell nearly 30% How jobs, economic growth and oil prices feed into housing costs What Ray White's chief economist says about clashing rate and housing policy Why sitting in cash could be costing you more than you think The 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 Tuesday 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 #PerthProperty #PerthPropertyMarket #PropertyInvesting #AustralianPropertyMarket #RealEstateAustralia #PropertyInvestment #HousingSupply #ConstructionCosts #InterestRates #RBA #Inflation #WealthBuilding #PropertyPrices #BuildingApprovals #PerthRealEstate #AustralianEconomy #MortgageBroker #TuskFinance #ThatBackyardPropertyPodcast #PropertyPodcast

  4. Aug 3

    Trent Fleskens on Where Perth's Market Stands Now

    $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 485467 In this episode: Why rising listings might be a market reset rather than a warning sign What a 30 percent drop in investment lending means for buyers and brokers When Trent expects the next RBA rate move and why Where the real opportunities are in today's Perth market How new R-Code changes could unlock thousands of infill sites Why Trent believes Perth's blue-chip suburbs stretch far beyond the Golden Triangle What happens as East Coast investors start selling out of Perth Why Trent calls stamp duty a disgusting tax, and what should replace it What Trent has learned building Strategic Property Group and becoming a dad 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 Is this the market reset or something deeper 00:52 Welcome back and meet Trent Fleskens 01:22 Listings pushing toward 7,000 03:10 What a healthy market actually looks like 05:26 Investment lending down 30 percent, who feels it 07:35 When will the next rate cut land 09:47 Where the real opportunities are right now 11:50 The R-Code changes explained 14:41 Will infill actually deliver more supply 17:05 Blue-chip Perth beyond the Golden Triangle 18:16 East Coast investors selling out 20:19 Is Perth becoming a two-tier market 23:20 What actually drives Melbourne versus Perth 27:09 Could stamp duty ever be scrapped 29:11 The real cost of stamp duty for first home buyers 32:41 What NSW's land tax experiment showed 34:53 What's next for Strategic Property Group 37:39 Being a business owner and a dad Produced 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

  5. Jul 31 ·  Bonus

    RBA Hikes Are Off the Table FOR NOW. Here's Why

    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/@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) 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 Tuesday Produced 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

  6. Jul 28

    The Subdivision Trap: Why Granny Flats Often Win, with Mark Wiedermann

    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 485467 In this episode: Why the 2024 law change removed planning approval for granny flats but not the risk What still needs a building permit and why build quality hasn't changed Who is actually building granny flats right now, from families to investors How positively geared secondary dwellings could help offset the new tax rules Real numbers on rental income when you add a second dwelling to a property How much land you actually need to fit a granny flat on your block The biggest misconceptions homeowners have about setbacks Why modular builds are becoming the future amid a growing tradie shortage The proposed R20 change that could let 50,000 Perth properties subdivide Mark's own leap from a corporate executive career into building this business 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 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 questions Produced 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

  7. Jul 22 ·  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

  8. Jul 20

    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

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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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