The Property Nerds The Lending Loophole Wealthy Investors Use (That The Big Banks Don't Want You to Know)
The banks control the rules but they don't control which lender you use. In this episode of Property Nerds, Arjun Paliwal sits down with Jack Fouracre from Fouracre Financial to break down exactly how savvy investors are using smarter lending strategies to borrow more, hold more, and build wealth faster.
💡 What you'll learn:
→ Why a single rate rise only shifts borrowing capacity by ~$20–30k (and what actually matters more)→ How third-tier lenders with 40-year loan terms and lower stress buffers unlock hundreds of thousands in extra capacity
→ The real impact of rate rises on investors vs owner-occupiers (hint: negative gearing helps a lot)→ Why brokers now hold 80% market share — and how that forces banks to change their policies
→ The equity release + offset account strategy that lets you hold negatively geared properties without feeling the pain
→ Arjun's personal formula: saving 25–45% of net household income to "hold the fort" while your assets compound
🎙️ Jack Fouracre — Fouracre Financial👉 fouracrefinancial.com.au
✅ HOW WE CAN HELP YOU:By being the most trusted, data-driven Buyers Agency for aspiring investors who wish to create real financial change by helping them invest with confidence, outperform the market, and build a high-performing property portfolio. 👉 https://www.investorkit.com.au
✅ CONNECT WITH INVESTORKIT:
Website: 👉 https://www.investorkit.com.au
Send your questions to: 👉 arjun@investorkit.com.au
Follow us on Facebook: 👉 https://www.facebook.com/InvestorKit
Follow us on Instagram: 👉 https://www.instagram.com/investorkit.com.au
Subscribe to our YouTube Channel: 👉 https://www.youtube.com/@investorkit
Connect with us on LinkedIn: 👉 https://www.linkedin.com/company/investorkit
Chapters
0:31 Meet Jack Fouracre (Fouracre Financial) & why property is a finance game
3:01 Arjun's book: Driving the Data
3:31 How rate rises actually affect borrowing capacity
6:01 Major banks vs third-tier lenders explained
8:01 Real example: $300k deposit vs $150k cash buffer kept
9:01 The equity release + offset buffer strategy
13:31 Compounding growth vs negative cash flow
18:31 The savings formula: 25–45% of net income
23:01 Brokers have 80% market share — what that means for you
CONNECT WITH THE PROPERTY NERDS:
Instagram:https://www.instagram.com/thepropertynerdspodcast/
TikTok: https://www.tiktok.com/@thepropertynerdspodcast
CONNECT WITH FOURACRE FINANCIAL:
Instagram:https://www.instagram.com/fouracre.financial/
LinkedIn: https://www.linkedin.com/company/fouracre-financial/
Website: https://fouracrefinancial.com.au/
CONNECT WITH ARJUN:
Instagram: https://www.instagram.com/arjpaliwal/
LinkedIn: https://www.linkedin.com/in/propertybuyersagent/
CONNECT WITH INVESTORKIT:
Instagram: https://www.instagram.com/investorkit.com.au/
LinkedIn: https://www.linkedin.com/company/investorkit/
Website: https://www.investorkit.com.au/
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.