Host Mike Mortlock is joined by Chris Bates, Co-Founder of Alcove and one of Australia's leading mortgage advisors, to unpack the shifting landscape of lending, interest rates, and investor sentiment in 2025. Chris brings his frontline experience to the table, sharing how borrowers are reacting to recent rate cuts, why buyer confidence is still uneven, and how high serviceability buffers are reshaping what's possible for both homeowners and investors.