The Mortgage Chat
Hey guys, my name is Tony Xia the host of The Mortgage Chat. In this podcast series, we tune in for expert advice, strategies, and tips to navigate property ownership with confidence. Thanks for watching our podcast!
The Mortgage Chat
Why Trust Lending Rules Are Tightening in Australia
Use Left/Right to seek, Home/End to jump to start or end. Hold shift to jump forward or backward.
🏦 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.
🎧 LISTEN TO THE PODCAST
Spotify: https://open.spotify.com/show/0ey99ngIhSFhO1TfRAMcqG
YouTube: https://www.youtube.com/@themortgageagency
📍 FIND US HERE
LinkedIn: https://www.linkedin.com/in/tony-xia-12a7b596
Facebook: https://www.facebook.com/The-Mortgage-Agency-103274301374511
Instagram: https://www.instagram.com/tonyxia_themortgageagency/
YouTube: https://www.youtube.com/@themortgageagency8841/videos
📅 Book a quick call ⬇️
https://themortgageagency.com.au/contact/
Tony Xia | The Mortgage Agency
📞 0423 718 612
📩 Tony@themortgageagency.com.au
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