Sydney's property market has stalled. Auction clearance rates have fallen to around 53 per centfrom 75 per cent a year ago, a major western Sydney developer is in administration, and abuyers agency with hundreds of clients has been wound up.So why did the banks just make it easier to borrow?Mortgage broker Keaton Howard joins me to unpack what is actually happening underneath theheadlines — the lending policy changes almost nobody is talking about, why a falling marketand looser credit are happening at the same time, and what it means if you are mid-build,holding property, or waiting on the sidelines.In this episode:— Why the collapse matters well beyond the buyers who lost deposits— The tradies, plumbers and contractors sitting behind private credit lenders— How rental income assessment changed in August, and the qualifier the headlines missed— Why "the banks are loosening" and "borrowing capacity is down" are both true— Where the RBA actually sits, and why another rise has not been ruled out— What a genuine buyer's market looks like versus what a frozen one looks like— The 30-year property lifecycle, and why timing matters less than people thinkNew episodes every week — markets, macro, and the stuff the mainstream won't say out loud.Subscribe so you don't miss the next one.More at andrewromano.com.au#AustralianProperty #SydneyProperty #MortgageBroker #PropertyMarketGeneral commentary and opinion only. Not financial, tax, legal or investment advice. It does nottake your personal circumstances into account. Speak to a licensed professional before acting.

Sydney's north-west just lost one of its biggest home builders went into voluntary administrationon 25 August, with the main entity carrying around $3.2 billion in debt, thousands of homes inlimbo, and hundreds of subcontractors unlikely to be paid.In the same month, legislation passed extending the 50% capital gains tax discount for foreignrenewable energy investors out to 2040 — while Australian investors lose that discount from 1July 2027 under the negative gearing and CGT reforms that became law in May.We talk through both, plus payday super and what it is doing to small business cash flow, theVictorian election in November, and why more Australian business owners are quietly looking atthe exit.What we cover:— The Bathla administration and the domino effect on tradies and subcontractors— Why the May budget changes are being blamed, and what was already broken— Negative gearing and CGT: what is actually law and when it starts— Payday super from 1 July and the cash flow buffer nobody built— The foreign renewables tax concession that runs to 2040— Victoria heading to an election on 28 NovemberIf you own a business or hold property in Sydney's north-west, the May changes have alreadymoved the ground under you. Subscribe and I will keep walking through what actually changesand when.More at andrewromano.com.auNew episodes every week — markets, macro, and the stuff the mainstream won't say out loud.General commentary and opinion only. Not financial, tax, legal or investment advice. It does nottake your personal circumstances into account. Speak to a licensed professional before acting.#AustralianProperty #Tax #NegativeGearing #SmallBusiness