02/06/2026
🔔 Changes to Investment Lending - What Property Investors Need to Know
Thinking about investing or expanding your portfolio? Recent lending and policy changes are shaping how investors can borrow 👇
✅ Tighter Assessment Rules
Lenders continue to apply conservative servicing, closely reviewing your living expenses, debts, and buffers.
✅ Interest Rates Still Driving Borrowing Power
Higher rates compared to recent years are reducing borrowing capacity and impacting overall cash flow for investors.
✅ Rental Income Shading
Most lenders only use around 70–80% of rental income when assessing your application, this can limit how far your income stretches.
✅ Government Policy Uncertainty
There has been ongoing discussion around potential changes to negative gearing and capital gains tax concessions, which could impact long-term investment strategies. While no major changes are currently in force, it’s something investors are keeping a close eye on.
✅ Housing Supply & Incentive Focus
Recent government initiatives have been heavily focused on boosting housing supply, which may influence construction activity, rental markets, and investment opportunities moving forward.
✅ Equity Access More Selective
With property values stabilising in some markets, accessing equity isn’t as straightforward as it has been in recent years.
💡 The key takeaway:
Investment lending hasn’t disappeared, it’s just become more strategic. Policy direction, lender selection, and loan structure now play a bigger role than ever.
📩 Thinking about investing? Book a time with our team and we’ll help you navigate the latest lending changes and structure your loan right from the start, for now and next.
