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Property investors are facing the biggest lending shift in years.
In this episode, we break down what’s really happening behind the scenes as banks quietly tighten lending, regulators step in and highly leveraged investors start getting blocked.

In just the last few months, major banks have changed how they assess investor loans, company and trust structures are being shut down, and APRA is targeting high debt-to-income borrowers. If you’re planning to grow a property portfolio in 2025–2026, this is information you can’t afford to ignore.

We unpack:
📌 Why investor lending has suddenly become harder
📌 How APRA is targeting debt-to-income ratios
📌 Why banks are declining deals that would’ve passed months ago
📌 What this means for property prices and portfolio growth
📌 How investors should adapt moving into 2026

This isn’t media fear-mongering. This is what’s actually happening when applications hit bank credit teams.

#PropertyInvesting #RealEstateAustralia #PropertyMarket #InvestorLoans #WealthBuilding 

Chapters
0:00 – 00:37 | Introduction
00:37 – 01:45 | Investors Under Attack
01:45 – 03:00 | Lending Has Changed
03:00 – 04:45 | Why Loans Are Getting Declined
04:45 – 06:30 | Banks Profiling Investors
06:30 – 08:00 | Funding Uncertainty Explained
08:00 – 09:40 | APRA Steps In
09:40 – 11:20 | Debt-to-Income Targeted
11:20 – 15:10 | How Investors Got Too Much Debt
15:10 – 16:50 | Why This Is a Warning
16:50 – 18:10 | Media vs Reality
18:10 – 19:50 | Banks Exit Trust Lending
19:50 – 21:10 | Interest Rates & Credit Costs
21:10 – 22:45 | 2026 Lending Reality
22:45 – 24:30 | Investor Survival Plan
24:30 – 25:53 | Final Market Impact

This video is provided by Confidence Finance Pty Ltd (ACL 488313) & Flint Trademark Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate.

Reach out to us at www.australianpropertytalk.com.au