Borrowing power has fallen by as much as 30 per cent for some investors – but that doesn't mean property investing is over. It just means the rules have changed.

On the KTG Property Podcast, Kev Tran sits down with mortgage broker and investor Jyh Kao to explain how lenders are responding to the negative gearing changes, why borrowing capacities are shrinking, and what investors can do to stay in the game.

Kao reveals that changes to lender servicing calculators are reshaping borrowing power, forcing many investors to rethink everything from loan structures and lender choice to the type of property they buy next.

The discussion also explores why chasing tax benefits alone has always been the wrong strategy, arguing that investors should instead focus on cash flow, equity, income growth, and long-term portfolio planning.

Tran and Kao explain why opportunities still exist despite tighter lending conditions, revealing how strategic lender selection, smarter asset choices, and the right finance structure can help investors continue growing their portfolios even as the market changes.