Australian Property Talk
Welcome to Australian Property Talk — I'm Redom, a property fanatic. I love sharing stories from the 1000's of investors i represent in my day job at one of Australia's biggest mortgage broking companies, Flint.
I have two brilliant co-hosts who bring a perfect blend of expertise on the economy, property trends and where to buy real estate!
One is a former Treasury economist, Curtis Stewart, who runs FlintInvest - an award winning mortgage broking company for property investors Australia-wide. His officially the smartest person i know, and full of golden nuggets!
My other co-host is Adi Chanda, a man everybody loves, a seasoned buyers agent with a giant property portfolio and fellow property nerd. Adi runs Alaya Property with me, adding in a unique economics driven property strategy that outperforms all the herd following data-driven agents dominating the buyers agency scene in 2025.
Australian Property Talk
Investor Lending Crackdown Explained: Why This Will End The Boom
Use Left/Right to seek, Home/End to jump to start or end. Hold shift to jump forward or backward.
👉 BUY smarter with Alaya Property’s economics-driven strategy, getting in BEFORE the data shifts. Book your FREE call now: https://rebrand.ly/chatwithalaya
👉 Work with MORTGAGE BROKERS who invest themselves & know markets Australia-wide. Book your FREE strategy session here: https://rebrand.ly/chatwithflintinvest
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
