In this episode of The Smart Property Investment Show, host Phil Tarrant is joined by Eva Loisance from Finni Mortgages to unpack new lending guidelines by the Australian Prudential Regulation Authority (APRA) and the concerns these sparked among property investors trying to scale their portfolios.

Tarrant and Loisance begin by discussing the new debt-to-income restrictions, explaining how the cap on high-risk lending is designed to protect financial stability, while creating uncertainty for active and growth-focused investors.

The duo then turns to the growing contradiction between tighter lending rules and government initiatives such as the 5 per cent deposit scheme and shared equity programs, which aim to fast-track first home buyers into the market.

Loisance highlights criticism that these high-leverage schemes could place Australians into excessive debt, particularly if property values soften or economic conditions tighten.

They wrap up by examining the pullback by major banks from trust and company lending, urging investors to stay informed, work with experienced brokers, and remain flexible as alternative lending options emerge. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email [email protected] for more insights, or hear your voice on the show by recording a question below.