Geared for Growth is designed to assist Australian property investors to achieve financial freedom. The aim is to grab as many experts within the property investing space as possible and really tease apart their strategy and how they assist property investors to achieve financial freedom whether directly as buyers agents, or as expert accountants, brokers, conveyancer, whatever. We'll endeavour to cut through the sales pitches and get down to the nuts and bolts.
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Mike Mortlock Podcasts

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The Property Trio (formerly The Property Planner, Buyer and Professor)
Cate Bakos, David Johnston and Mike Mortlock
Formerly The Property Planner, Buyer and Professor, our show rebranded in 2023 to The Property Trio. Residential property is the only asset class we live in, it is where we raise our families, and it is our most expensive investment, yet property advice remains unregulated. Our objective is to educate time-poor professionals through deep insights from our experts who have provided thousands of Australians with personalised advice and education spanning two decades. In a climate where we are ...
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Lloyd Edge, a successful property investor, demonstrates that from humble beginnings as a school teacher with moderate earnings, achieving financial freedom and lifestyle choices is possible. As the host of Positively Geared, Lloyd collaborates with co-host Alex Augustyniak to establish trust as authorities in the Australian real estate buyers' market. Their mission is to make building a positively geared property portfolio accessible to everyone. Lloyd Edge, the author of Positively Geared, ...
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Welcome to ‘Small Talk, Big Ideas’; a podcast rich in conversation with inspirational thought leaders and big thinkers about all things property, business, and life.
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Ep. 302: Outsmarting the Auction Game, with Andy Reid
53:28
53:28
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53:28In this episode of Geared for Growth, Mike Mortlock is joined by Andy Reid, speaker, coach, author, and one of Melbourne’s most recognisable auctioneers. With his trademark energy and candid insight, Andy shares what really goes on behind the gavel and why auctions are as much about psychology as they are about numbers.…
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#325: Clearing the Deposit Hurdle - Why the Old 20% Benchmark No Longer Stacks Up and How Buyers Are Adapting
40:39
40:39
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40:39Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM 🎙️ In this eye-opening episode, Dave, Cate and Mike dig into brand-new research on housing affordability from MCG Quantity Surveyors. But instead of looking at mortgage repayme…
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Ep. 301: Selling to Grow and Restructuring for Success, with Tim Brown
31:36
31:36
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31:36In this episode of Geared for Growth, Mike Mortlock is joined by Tim Brown, Founder of The Charleston Group, former soldier, and everyday Aussie who built a multimillion-dollar property portfolio on an average income through discipline and grit.
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Houses vs Units: Which Should You Invest In?
28:59
28:59
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28:59ABOUT THIS PODCAST: Houses vs units… which one really makes the better investment? 🤔 Some argue that houses win every time because of land value and growth. Others say units are cheaper, easier to get into, and just as profitable. So, which one should you choose? And what risks or hidden costs should you watch out for? 👀 In today’s episode of Posit…
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#324: Unpacking Investor Challenges – The Build, Hold or Sell Vacant Land Conundrum
41:38
41:38
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41:38Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM 🎙️ Should I Build or Hold? A Listener’s Dilemma with a Vacant Block in Tasmania In this week’s episode of The Property Trio, we tackle a thoughtful listener question from Laure…
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Ep. 300: The Shortcut Investors Can’t Resist, with Bushy Martin
52:27
52:27
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52:27In this episode of Geared for Growth, Mike Mortlock is joined by Bushy Martin, one of Australia’s top property investment experts, author, and commentator. Known for his straight-talking approach, Bushy dives into one of the hottest topics in investing right now: the rise of special purpose vehicle (SPV) trusts and the promise of “infinite borrowin…
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#323: Market Update July 2025 – Darwin Soars, RBA Flags More Cuts Ahead, Rents Re-Accelerate & Vacancy Rates Tighten
49:14
49:14
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49:14Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM In this latest market update episode, the Trio unpack the findings in the July data, and they reflect on the recent cash rate cut and what this could mean for the market. 🏡 Cap…
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Ep. 299: Regional Gems, Risky Bets & The 2025 Investor Playbook, with Matt Sharp
31:15
31:15
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31:15In this episode of Geared for Growth, Mike Mortlock is joined by Matt Sharp, Founder & Director of Sharp Property Buyers and The Central Coast’s Most Highly Rated Buyers Agent.
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#322: Expert Tips for Interpreting Data - Why Suburb Medians and Cheap Buys Can Be a Trap for Property Buyer
42:53
42:53
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42:53Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM 🎙In this episode, Dave is joined by Cate and Mike to tackle two common traps for investors: over-reliance on suburb-level data and the temptation of “bargains” in the bottom qu…
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Ep. 298: Is Canberra a Sedate Market or Smart Diversifier, with Claire Corby
35:03
35:03
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35:03In this episode of Geared for Growth, Mike Mortlock is joined by Claire Corby, founder of Capital Buyers Agency and Australian Buyer’s Agent of the Year 2021. Claire brings her sharp insights into the Canberra property market — a place often misunderstood, yet incredibly stable and nuanced.
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#321: ATO Tax Stats Revealed - What They Mean for Investors, Income Earners and the Property Market
46:17
46:17
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46:17Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM 🎙️ In this data-rich episode of The Property Trio, Cate and Mike dive deep into the just-released 2022–23 ATO Tax Stats. From personal income and superannuation to rental prope…
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Ep. 297: Building Smarter Property Strategies with Tech, with Nick Melrose
34:33
34:33
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34:33In this episode of Geared for Growth, Mike sits down with Nick Melrose, founder of ScaleApp, the proptech platform shaking up how Australians plan, model, and scale their property journeys.
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#320: Balancing Family Dreams & Property Investment – Securing Your Financial Future While Managing Life's Big Milestones
36:53
36:53
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36:53Got a question for the trio? https://forms. .com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM 🎙️ In this episode of the Property Trio, we tackle a fantastic listener question from James — and it sparks a really rich conversation about life stages, investment timing, and how to j…
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Ep. 296: Why Owner-Occupiers Are Driving the Market and What Investors Should Do About It with Brett Warren
33:22
33:22
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33:22In this episode of Geared for Growth, Mike sits down with Brett Warren, National Director and Property Strategist at Metropole Group. With decades of experience helping clients secure A-grade homes and investment-grade properties, Brett offers a data-driven yet practical take on today’s shifting market.…
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#319: Market Update June 2025 – Darwin Returns to 2014 Peak, Canberra’s Top End Climbs, & Listings Drop Nationwide
47:30
47:30
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47:30Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM In this latest market update episode, Mike and Cate go duo as Dave hits the road with his family. Despite Dave's absence, the June market update is packed with insights and tre…
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Ep. 295: Why Property Journalism is Broken and What Needs to Change to Fix It with Kieran Clair
45:15
45:15
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45:15In this episode of Geared for Growth, Mike sits down with Kieran Clair, seasoned property journalist, editor, and co-founder of Bricks & Mortar Media to look into the rise of click-driven content, the decline of investigative reporting, and how financial pressures are reshaping what gets published, and what gets left out.…
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#318: Is Negative Gearing Worth It? - The Advantages, Risks, Common Mistakes & Expert Advice for Successful Property Investing
47:19
47:19
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47:19Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM 🎙️ In today’s deep dive, Cate, Dave, and Mike tackle one of the most hotly debated and widely misunderstood concepts in Australian property investing: negative gearing. 💡 What …
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Ep. 294: From a 1-Bedroom Flat to a $12M Portfolio - The Blueprint for Property Wealth, with Manoj Sahare
42:04
42:04
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42:04In this episode of Geared for Growth, Mike sits down with Manoj Sahare, founder and buyer’s agent at Key2Dreamz, who’s built an impressive $12 million property portfolio over 25 years — beginning from a humble one-bedroom flat.
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#317: Navigating Regional Markets - Property Selection Strategies & Deep Dive into Geelong, Surf Coast & Bellarine Peninsula
54:08
54:08
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54:08Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM 🎙️ In this episode, Dave is host, exploring two hot regional markets following listener questions from Daniel and Liam. Daniel asked for a deep dive into Geelong after enjoying…
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Ep. 293: What Most Investors Get Wrong About Market Timing, with John Lindeman
29:10
29:10
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29:10In this episode of Geared for Growth, host Mike Mortlock sits down with well-known property market analyst John Lindeman, to explore how Australia's property landscape is shifting beneath our feet.
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#316: How Long Does It Take to Double Your Property’s Value? Busting the Myth & How Rates, Supply & Market Fragmentation Changed the Game
36:42
36:42
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36:42Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM 🎙️ In today’s episode, Mike explores a meaty question that’s been making waves across dinner tables and developer boardrooms alike: Is the Australian property cycle still a thi…
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Ep. 292: The Rise of Coastal Living & Quality Property Investing with Matt Knight
34:54
34:54
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34:54In this episode of the Geared for Growth podcast, Mike Mortlock sits down with Matt Knight, property strategist and founder of Precium, to explore how the property market has transformed post-COVID—particularly along the stunning South Coast of New South Wales.
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#315: The Family Home Puzzle - Balancing Budget, Space, School Zones & Selling Properties to Upgrade
47:07
47:07
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47:07Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM 🎙️ In today’s episode, the Trio dive in to a relatable listener question from Josephine, who’s navigating the next big step in her property journey with her partner. With a gro…
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#314: Market Update May 2025 – Darwin Powers On, Melbourne Recovery Continues, All Capitals Rising, Listings & Investor Trends Signal Shift
49:14
49:14
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49:14Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM This week, Dave, Mike and Cate tackle the May data. Darwin continues to perform strongly, but Cate eludes to the contrasting data across various data houses. Data integrity and…
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Ep. 291: Market Trends, Media Myths & The Second Wind Cities, with Terry Ryder
54:33
54:33
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54:33In this episode of the Geared for Growth podcast, host Mike Mortlock sits down with property research veteran Terry Ryder — the founder of Hotspotting and a respected voice in Australian real estate since the 1980s. With decades of experience cutting through the noise, Terry brings a sharp lens to the current landscape: from the media’s obsession w…
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Ep. 290: Why Strategy Should Come Before The Property, with Michael Kowalczyk
36:11
36:11
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36:11In this episode of the Geared for Growth podcast, host Mike Mortlock chats with Michael Kowalczyk — a savvy investor and founder of Tailored Property — about the wins, mistakes, and mindset shifts that shaped his journey toward financial freedom.
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#313: The History of Property Prices Following Interest Rate Cuts – 40 Years of Data, Houses vs Units, Capitals vs Regions & Predictions
51:26
51:26
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51:26Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM 🎙️ Welcome to another dynamic episode of The Property Trio! Cate, Dave, and Mike reunite to unpack a hot question on many investors’ minds: Are we on the cusp of Australia’s ne…
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Ep. 289: How Interest Rates, Lending & Policy Shape Property Investment, with Chris Bates
33:25
33:25
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33:25Host Mike Mortlock is joined by Chris Bates, Co-Founder of Alcove and one of Australia’s leading mortgage advisors, to unpack the shifting landscape of lending, interest rates, and investor sentiment in 2025. Chris brings his frontline experience to the table, sharing how borrowers are reacting to recent rate cuts, why buyer confidence is still une…
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#312: Why Social Housing Supply Can’t Keep Up - Exploring the Causes, Consequences & Potential Solutions to Australia’s Housing Shortfall
45:33
45:33
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45:33Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM 🏘️ What is Social Housing? This week, The Trio unpack social housing — subsidised accommodation aimed at vulnerable Australians. Social housing includes both public housing (st…
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Ep. 288: Setting The Right Strategy For Your Property Journey And Why It Matters with Azeem Rahman
42:39
42:39
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42:39Host Mike Mortlock is joined by Azeem Rahman, a property investor who brings a refreshingly honest and reflective perspective to the show. Unlike many guests, Azeem isn’t a buyer’s agent or property professional — he’s a self-directed investor who started in his early 20s with no real plan, just a deposit and ambition. Now, nearly a decade later, h…
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#311: REVEALED – The Aussie Suburbs with the Lowest Number of New Dwellings - The Hidden Forces Blocking New Homes in High-Demand Locations
41:28
41:28
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41:28Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM 🎙️In this timely and hard-hitting episode of The Property Trio, Dave, Cate, and Mike unpack a serious supply crisis facing Australian housing. Mike Mortlock shares some valuabl…
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#310: Market Update Apr 25 – Darwin Dominates, Melbourne Signals Growth Ahead, Quartile Price Movements & Expected Rate Cuts Fuel Confidence
57:30
57:30
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57:30Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM This week, Dave, Mike and Cate tackle the data! Nationally, the gains could be described as "soft", but for Darwin and Hobart, things are anything but soft. With a second conse…
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Ep. 287: How Valuation Insights Drive Better Property Deals with Joel Moffat
31:02
31:02
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31:02Host Mike Mortlock is joined by Joel Moffat, a former bank valuer turned buyer’s agent, who shares how his background in property valuation gives him a unique edge in today’s market. Joel lifts the curtain on how valuations work inside one of the Big Four banks — including the difference between desktop and full valuations, how risks are assessed, …
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#309: How to Boost Borrowing Power – Debt Management Strategy for Smart Property Decisions & Unlock Investment, Home & Refinance Opportunity
47:54
47:54
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47:54Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXM Welcome to Episode 3 of our special Property Trio trilogy, where we wrap up our deep dive into one of the most critical aspects of property investing in today’s environment: bo…
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