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
Why NOW Is the Best Time to Refinance in Years
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👉 Want to buy BEFORE the data shifts, not after? Book a FREE strategy call with Curtis here: https://rebrand.ly/chatwithflintinvest
The lending market has shattered in the last 90 days. Purchases have gone quiet post-budget, so every bank in the country is now hunting for your business - and that has opened a refinance window we have not seen in years.
Here is the hot tip up front: if you have not reviewed your mortgage in a while, right now is when a proper look actually pays off. Rates are sharp, valuations are strong, and the banks are fighting over each other to win refinances.
In this episode I sit down with Curtis, who runs a $1 billion+ lending pipeline across every major bank, to unpack exactly what is happening, why it is happening, and the borrowers winning the most right now.
What you'll learn:
📍 Why the lending market flipped in 90 days, with NAB lending down around 20% and banks pivoting hard to refinances
📍 Why a slower-growth market means the biggest lever you have is your interest cost, not your next purchase
📍 The real rates now - owner occupier refinances into the 5.95% range, roughly 20 basis points off what most people are sitting on
📍 Why borrowers under 70-80% LVR with a decent loan size are getting the sharpest deals
📍 The 1% refinance buffer that can move you off a 7%+ non-bank rate, even without a full servicing assessment
📍 Why your borrowing power is about 20% higher on a refinance than on a purchase
📍 How desktop valuations across multiple banks can demonstrate a lower LVR and unlock a better rate
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#AustralianProperty #Refinance #MortgageRates #PropertyInvesting #HomeLoans
Chapters
00:00 The lending market just shattered
01:34 Why banks are hunting refinances now
02:36 Slower growth means optimise what you own
04:08 What is really driving the mortgage war
06:27 The rates you can actually get today
10:04 The refinance window - and why it won't last
14:14 Who benefits, and who this doesn't apply to
14:50 Stuck with a non-bank at 7%? The 1% buffer
17:44 Why borrowing power is higher on a refinance
20:07 How desktop valuations work in your favour
21:12 Now is the time to review your rate
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
