25/05/2026
POV: You’re just trying to throw the ball for the dogs… and Canberra throws another property policy debate into the mix instead. 🎾🐶
A lot of people are asking me about the negative gearing discussions coming out of the Federal Budget and what it could mean for investors and future borrowing power.
Here’s what most people don’t realise:
This isn’t just a tax conversation.
It’s a lending and borrowing power conversation too.
And we’ve already started seeing some lenders tighten how they assess investment debt and rental losses.
In some scenarios recently, I’ve seen borrowing capacities reduce by anywhere from $200k to $400k depending on the client profile, lender, and investment exposure.
That’s massive.
Because when lender policy changes:
• Some investors can no longer buy the next property
• Some need larger deposits
• Some can’t refinance easily
• Some hit servicing walls much earlier than expected
And this is exactly why strategy matters more than ever.
The investors who survive long term aren’t always the ones earning the most.
They’re usually the ones who structure properly, review lending regularly, and adapt before policy changes force them to.
If you’re planning to:
🏡 Buy your first investment
🏡 Expand your portfolio
🏡 Refinance existing loans
🏡 Keep options open for future purchases
…don’t wait until borrowing power becomes the problem.
Also, the dogs still expect the ball to be thrown regardless of tax policy, interest rates, or lender servicing calculators. Ruthless little operators. 😂🐾
PerthProperty FinanceTips InvestorLoans HomeLoans AustralianProperty
