Weekly Slice 261: How New Massive Mortgages Will Impact Australian Property - With Raj Sarin & Todd Sloan

Nov 25, 2025

Raj Sarin, a seasoned mortgage broker from Equity Finance Solutions, joins Todd Sloan to delve into the hot topic of 40-year mortgages in Australia. They explore whether these long-term loans are a game-changer for first-home buyers facing soaring property prices. Raj highlights how they can increase borrowing capacity and potential savings, but also warns of hefty long-term interest costs. Listeners will learn about the evolving lending landscape and the importance of strategizing financing before diving into property details.

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INSIGHT

Only A Few Lenders Offer Longer Terms

Only a handful of lenders currently offer extended loan terms, including Pepper Money and Credit Union SA.
The big four banks largely do not offer 40-year terms yet, though Westpac is trialing privately.

ANECDOTE

Historical Lens On Loan Term Norms

Raj and Todd compare current norms to historical loan terms and global examples like Japan and Britain.
They suggest longer terms may become normal as people live longer and affordability tightens.

INSIGHT

Monthly Savings Are Modest But Meaningful

Extending a 30-year loan to 40 years can cut monthly P&I payments by a few hundred dollars.
Example: $600,000 over 30 years = $3,422/mo, over 40 years = $3,152/mo, saving ~$270.

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