In this episode, Nathan is joined by Sumit from Zinger Finance to discuss the recent major changes in the lending landscape.They also explore government schemes like Help to Buy, the operational costs of multiple trusts, and practical solutions for navigating the current lending environment. A must-listen for anyone building a property portfolio in today's market. 00:00 - Welcome & introduction 02:32 - Recent bank policy changes 03:22 - Hidden costs of trust structures 05:29 - What is DTI (Debt-to-Income) 06:34 - High cashflow properties = borrowing power 07:41 - 3 key tools regulators use to control lending 08:27 - Understanding buffer rates 09:32 - Supply vs demand and why prices keep rising 10:46 - The government incentive schemes 14:37 - Buying a $1M property with $20k deposit 18:09 - Market cycles and what 2016-2019 taught us 20:42 - Bank vs non-bank lenders 23:13 - Interest rate realities 25:01 - Why some investors avoid building their portfolio 27:12 - Processing delays 29:52 - Macquarie & CommBank trust lending changes 32:04 - The social media 'infinite lending' problem 35:35 - How some trust structures can limit growth 39:33 - Why having ther right team around you is key 42:19 - Planning, planning & planning

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