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🏦 Trust lending has changed — and many investors are feeling it.

In this episode of The Mortgage Chat, Tony breaks down the recent changes to Macquarie Bank’s trust lending policies and why this is creating challenges for property investors using trust structures.

We cover:
 📉 What has changed with Mac Bank trust lending
 📄 Why trust structures are under more scrutiny
 💰 How serviceability is being assessed now
 🏠 What this means for property investors moving forward
 ⚠️ Common mistakes investors are making after the changes

If you’re using a trust structure or planning to invest through one, this episode will help you understand how lending rules are shifting and what strategies still work in 2025.

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Tony Xia | The Mortgage Agency
 📞 0423 718 612
 📩 [email protected]

00:00 – Intro: Trust Lending Changes Explained  
00:35 – What Happened With Macquarie Bank  
01:40 – Why Trust Lending Is Tightening  
03:05 – How Serviceability Is Being Assessed  
04:40 – Impact on Property Investors  
06:10 – What No Longer Works  
07:45 – Common Investor Mistakes  
09:20 – Alternative Lending Strategies  
11:00 – What Investors Should Do Next  
12:30 – Final Thoughts