Ask Mai & Send Feedback

Everything you thought you knew about borrowing has just changed.

In this timely episode, Mai unpacks one of the biggest shifts currently impacting property investors: what borrowing actually looks like now under the new lending rules.

Following the recent Federal Budget announcements, the landscape has changed almost overnight. Restrictions on negative gearing for existing properties and changes to how banks assess borrowing capacity are already flowing through to lenders, and the impact is immediate.

But this episode isn’t about panic. It’s about understanding what’s changed and how to adjust your strategy moving forward.

Joined by in-house mortgage broker Luke Talbot, the conversation brings together both tax and lending expertise to unpack how these changes are playing out in the real world.

In this episode, Mai and Luke talk about:

• The removal of negative gearing on existing properties and why this is more than just a tax change
• How borrowing capacity is already dropping by 12–17% (and in some cases closer to 20%)
• Why pre-approvals based on old rules may no longer apply
• The difference in treatment between new builds and established properties
• Why getting your structure right upfront (individual, trust, SMSF) is now critical
• The risks of having your accountant and broker not aligned on strategy
• How commercial property is emerging as an alternative investment strategy
• How equity can still be leveraged to support new lending strategies
• Why family and joint investment strategies are becoming more relevant in this environment

This episode is a reminder that while borrowing has become more complex, the opportunity to build wealth hasn’t disappeared. It just requires a more considered approach.

 Reach out to the team at www.myaccountingadvantage.com.au if you’re thinking about buying, investing, or would like to review your current position.

You can also submit questions or topic ideas via the Ask Mai link at the top of the show notes.

Learn more about My Accounting Advantage

Disclaimer

The advice contained in this presentation is general in nature only and should not be acted on without first seeking professional advice.

Your personal circumstances have not been taken into account, and you should consider the appropriateness of the advice to your individual needs.