With lending rules constantly evolving, many buyers and investors are left wondering whether they can still move forward — or whether finance is now off the table altogether.
In this episode of Property Investing Roadmap, host Damian Collins breaks down what’s really happening in the lending landscape and what today’s changes mean for borrowers looking to buy, invest or refinance.
Driven by a listener question around borrowing through trusts and companies, Damian is joined by Max Miorada, Senior Credit Advisor at Momentum Wealth and one of Australia’s top 1% mortgage brokers by volume.
With more than $112 million in loans settled last year alone, Max brings frontline insight into how lenders are currently assessing borrowers, how debt-to-income ratios are applied, and why structure matters more than ever in today’s market.
This episode strips back the media noise to explain how lending actually works behind the scenes — and how investors can position themselves to keep moving forward despite tighter conditions.
What you’ll learn:
- How the lending landscape has changed over recent years
- Whether borrowing through a trust or company is still possible
- Why lenders assess trusts and companies differently to individuals
- How negative gearing works — and why it’s often lost inside entities
- The real impact entity lending can have on borrowing capacity
- When trusts can make sense — and when they can block portfolio growth
- The difference between tax efficiency and borrowing efficiency
- Why structure should be decided before buying property
- How debt-to-income (DTI) ratios are calculated by lenders
- Why actual cash flow and bank serviceability often don’t align
- Differences between major banks, non-banks and private lenders
- How interest rate buffers affect borrowing — even on fixed loans
- The pros and cons of fixing versus staying variable
- How offset accounts work and why investors should use them
- How lenders assess self-employed income
- Why timing matters when changing employment status
- What successful investors do differently when finance becomes tight
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T&Cs
The information shared on Property Investing Roadmap is general in nature and does not take into account your individual circumstances. It is provided for educational purposes only and should not be relied upon for investment or financial decisions. Always seek professional advice before deciding whether to invest. This episode’s guest is a representative of Momentum Wealth Finance.
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