{"podcast":{"title":"The Property Trio (formerly The Property Planner, Buyer and Professor)","slug":"the-property-trio-formerly-the-property-planner-buyer-and-professor-1182693","podcast_index_feed_id":1182693,"rss_url":"https://www.spreaker.com/show/5827296/episodes/feed","website_url":"https://www.propertytrio.com.au/","image_url":"https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/00e1ea5d520a541df21fd66945dcb49f.jpg","author":"Cate Bakos, David Johnston and Mike Mortlock","episode_count":374,"summary":"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 overloaded with information and one size fits all recommendations from the media, well-meaning friends and family and so-called advisers, we will distill the raw truth from the ill-informed. So join the Property Planner, David Johnston, The Property Buyer, Cate Bakos and the Quantity Surveyor, Mike Mortlock as they take you on a journey of discovery through the maze of property, mortgage, and money decisions to empower you to create your ideal lifestyle! Links to your hosts: https://www.catebakos.com.au/ https://propertyplanning.com.au/ https://www.mcgqs.com.au/","last_synced_at":"2026-07-27T22:19:14.349878+00:00","page_url":"https://stenobird.com/podcast/the-property-trio-formerly-the-property-planner-buyer-and-professor-1182693"},"episode":{"title":"#365: Reviewing Your Home Loan - Negotiating Interest Rates Like a Pro, Offset Strategy & Refinancing Without Regret","slug":"365-reviewing-your-home-loan-negotiating-interest-rates-like-a-pro-offset-strategy-refinancing-without-regret","published_at":"2026-06-08T12:23:50+00:00","page_url":"https://stenobird.com/podcast/the-property-trio-formerly-the-property-planner-buyer-and-professor-1182693/365-reviewing-your-home-loan-negotiating-interest-rates-like-a-pro-offset-strategy-refinancing-without-regret","show_page_url":"https://stenobird.com/podcast/the-property-trio-formerly-the-property-planner-buyer-and-professor-1182693","url":"https://www.propertytrio.com.au/2026/06/08/reviewing-your-home-loan/","audio_url":"https://api.spreaker.com/download/episode/72416873/pt_ep_365_edited_reviewing_your_home_loan.mp3","summary":"With interest rates rising and household budgets under pressure, many borrowers are looking for ways to reduce the cost of their home loans. In this episode, Cate, Dave and Mike explore practical strategies to improve cash flow, including negotiating with lenders, refinancing, reviewing loan structures and making better use of offset accounts. The Trio explain why advertised rates don't always tell the full story and highlights the value of working with a strategic mortgage broker. Whether you're an owner-occupier or investor, this episode offers actionable insights to help ensure your lending is working as hard as possible. Download your free copy of Dave’s Money Management Principles – the 7 Steps to Success: https://www.propertyplanning.com.au/money-management-principles Read David's Blog - How to Save Money on Your Home Loan - https://www.propertyplanning.com.au/post/how-to-save-money-on-your-home-loan The Property Trio is: David Johnston, Mortgage Broker - Managing Director of Property Planning Australia https://propertyplanning.com.au/ Cate Bakos, Buyers Advocate - Managing Director of Cate Bakos Property https://www.catebakos.com.au/ Mike Mortlock, Quantity Surveyor - Managing Director of MCG Quantity Surveyors https://www.mcgqs.com.au/ 📩 Got a question you want answered in a future episode? Send it through https://www.propertytrio.com.au/contact-us/ Shownotes are here:https://www.propertytrio.com.au/2026/06/08/reviewing-your-home-loan/","meta_description":"With interest rates rising and household budgets under pressure, many borrowers are looking for ways to reduce the cost of their home loans. In this episo…","key_points":[],"chapters":[],"topics":[],"duration_seconds":2805,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/the-property-trio-formerly-the-property-planner-buyer-and-professor-1182693/episodes/365-reviewing-your-home-loan-negotiating-interest-rates-like-a-pro-offset-strategy-refinancing-without-regret/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/the-property-trio-formerly-the-property-planner-buyer-and-professor-1182693/365-reviewing-your-home-loan-negotiating-interest-rates-like-a-pro-offset-strategy-refinancing-without-regret.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}