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Investor borrowing power has been smashed. It's July 2026, the first month of the new financial year, and investor lending has fallen off a cliff. Our own numbers at Flint are down around 40% year on year, and across the buyer's-agent industry sign-ups are down 50 to 70%.

The rules have changed - but if your circumstances still stack up, you can keep growing a portfolio. It just takes a smarter, more creative playbook. In this episode Kurt and I walk through exactly how.

In this discussion we break down the questions we ask investors right now: how to map your "jigsaw" of entities and find hidden capacity, why being over-borrowed in one entity and under-borrowed in another is an opportunity, the creative move of shifting debt into a trust without selling, why cash beats borrowing power on paper, the servicing-vs-deposit trap, and why interest-only terms matter as much as rates.

What you'll learn:

- Why investor lending is down about 40% and buyer's-agent sign-ups 50 to 70%
- How to map your portfolio across entities to find borrowing capacity you did not know you had
- Why being over-borrowed in one entity and under-borrowed in another is an opportunity
- The creative move: shifting loans into a trust without selling the asset, and the narrow situations it actually works for
- Why released equity and cash beat a bigger borrowing-power number on paper
- The servicing-vs-deposit seesaw, and why banks will not let you max both
- Why interest-only terms, not just rates, can quietly wreck your servicing

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Chapters
0:00 Intro
2:05 Investor borrowing power has been smashed
4:04 The data: investor activity down ~40%
6:46 Why buyer's agents are dropping 50-70%
9:04 Step 1: map what you own (the jigsaw)
11:35 Over-borrowed vs under-borrowed = opportunity
12:27 The creative move: shift debt into a trust
17:22 Why these buying conditions are attractive
20:05 Cash is king: equity beats borrowing power
22:56 The seesaw: servicing vs deposit
25:04 Interest-only terms and rate modelling
28:19 What it means for you

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