25 basis points: Small change or big impact for investors?

In the latest episode of The Smart Property Investment Show, host Phil Tarrant is joined by Eva Loisance from Finni Mortgages to discuss the challenges faced by property investors in Australia's current market.

Tarrant opens by encouraging listener feedback, emphasising its importance in shaping the show's content.

The main discussion then begins, as the duo analyse the recent 25-basis-point rate hike, with Loisance providing insights into mortgage trends and how rising interest rates are affecting investment strategies.

The pair note that while the rate increase may not drastically change strategies for most investors, it could be a tipping point for some.

The episode also examines tighter lending regulations for high debt-to-income borrowers and stricter oversight of trust-based financing arrangements.

Government spending, taxation, and potential changes to capital gains discounts were highlighted as factors that could influence property prices and investor decisions.

Loisance discusses AMP Bank's cautious return to self-managed super fund (SMSF) lending, providing targeted opportunities for select investors.

The show concludes with practical advice on strategic portfolio construction, optimising cash flow, and securing better financing in a challenging market. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.