Investment lending has shifted. While most investors were still processing the post-budget borrowing power drop, banks quietly started loosening policy. Rental income shading moved from 80% to 95%. 95% LVR on investment loans went from rare to common. And the borrowing power gap that started at 30% post-budget is now within 10%.
In this episode of the Property Nerds podcast, Arjun Paliwal (CEO of InvestorKit) sits down with Jack Fouracre from Fouracre Financial to break down what these shifts mean for your next purchase. They walk through how the same deposit that bought one property at 80% LVR can now stretch to two or three at 95%, why buffer matters more than weekly cash flow right now, and why LMI isn't a sunk cost if you refinance within the first year or two.
They also cover why Spring 2026 is shaping up as a buying window nobody expected and why rents are tracking $80 a week increases when Treasury modelled $2.
Chapters:
0:00, No One's Coming to Save You. Your Investment Property Journey Is You Saving Yourself.
1:01, Rental Income Shading: From 80% to 95% and What That Means for Servicing
2:27, The 30% Borrowing Power Drop Is Now Within 10%
3:18, 95% LVR on Investment Loans: The New Normal
4:21, How Far Your Deposit Can Actually Take You Now
6:22, LMI Refunds: The Money Most Investors Don't Know They Can Claim Back
7:15, The Market Shift Happening in Spring 2026
8:44, The 2027 Hockey Stick: What Bank Forecasts Are Telling Everyday Investors
9:02, Why Buffer Matters More Than Cash Flow Right Now
10:56, $80 a Week Rent Increase. Treasury Predicted $2. Do the Maths.
11:10, No One's Coming to Save You. Here's How You Save Yourself.
InvestorKit - Back To Back "REB Buyers Agency Of The Year 2023, 2024, 2026"
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If you're scaling a portfolio and want the right structure before your next purchase, the team at Fouracre Financial can walk you through it: fouracrefinancial.com.au
HOW WE CAN HELP YOU:
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Disclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.
