The End of Trust Lending? What Investors Aren’t Being Told

Feb 24, 2026

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Are the banks quietly shutting the door on trust lending?

Major lenders are pulling back. Macquarie stepped out. CBA tightened policy. ANZ followed. Anti money laundering reforms are expanding. DTI limits are biting. Suddenly, the “endless borrowing” strategy many investors relied on looks very different in 2026.

In this episode of The Property Nerds, we break down what’s really happening in the lending landscape and what it means for property investors building portfolios today.

Is trust lending dead?Or is it simply evolving?

We unpack:

Why major banks are stepping away from new trust lending
The regulator pressure and DTI limits most investors don’t see
How non bank lenders are filling the gap
Why “unlimited borrowing” was never a real strategy
The difference between tax planning vs borrowing capacity plays

If you’re planning to buy your 2nd, 3rd or 5th property, this episode will help you understand how lending strategy, not just rate shopping, determines whether you scale or stall.

Because property is a game of finance first.

Timestamps:

02:10 - What Actually Changed in Trust Lending

04:45 - Why Macquarie’s Exit Caused Panic

07:30 - Anti Money Laundering & Regulatory Pressure

10:20 - The Truth About “Endless Borrowing”

13:15 - Are Non Banks the New Power Players?

16:40 - SMSF Lending Déjà Vu

19:30 - Major Banks vs Smaller Lenders Explained

22:10 - Why Rate Shopping Can Cost You Long Term

24:50 - The 3-4 Property Reality Most Investors Ignore

Whether you’re structuring your first investment properly, reassessing your current portfolio, or trying to understand how to scale in a tighter lending environment, this is an episode you need to hear.

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This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/