The Property Couch Chapter 7: Borrowing Power (The Audiobook)
Feb 8, 2026
They break down types of debt and why productive borrowing can accelerate investing. They explain lending rule changes and APRA measures that tightened borrowing power. They cover why specialist brokers matter and how to avoid cross-securitisation traps. Twelve lending fundamentals and strategic thinking about capacity versus portfolio growth are highlighted.
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Work With An Investment-Savvy Broker
- Hire an investment-savvy mortgage broker to optimise borrowing for portfolios.
- Treat the broker as a specialist who preserves your portfolio's financial health.
Lending Rules Have Tightened
- Lending has tightened since the 2000s due to regulation and APRA actions.
- Strategies that once worked now demand stricter planning and income verification.
APRA Changed Borrowing Dynamics
- APRA's macroprudential measures reduced borrowing power via buffers and caps.
- These protections shape lender behaviour and investor access to credit.