803 lending landscape: bank appetite, trust lending, self-employed, fixed vs variable + more with Joe Carroll

In this episode, Rach is joined by one of Australia’s top mortgage brokers, Joe Carroll from Sphere Home Loans, to unpack what’s really happening in the lending landscape right now. They discuss:

👉🏾 the current lending landscape as at January 2026

👉🏿 Joe's tips to multi-investors

👉🏻 APRA, DTI limits & what it really means for investors

👉 the trust & company lending shake-up explained

👉🏼 the power of getting valuations and unlocking equity

👉🏽 Joe's tip for first-time property buyers

👉🏾 increased flexibility for self-employed people

👉🏿 rate rise expectations & should you fix?

👉🏻 negotiating your own rate with the bank

👉 Joe's final advice for investors

Have a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcast

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Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

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