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Stop Doing This With DTI: Smart Finance Moves Most Investors Miss
Manage episode 525633650 series 2998596
In this data driven episode, Arjun, Jack and Adrian break down the real lending shifts shaping Australia’s property finance landscape, from rising DTI limits to the new investor lending cap that could shake the market.
Whether you’re a first time investor or scaling your portfolio, this episode unpacks how finance policies, trust structures and bank rules are quietly changing the game and how to position yourself before they hit your bottom line.
We cover:
- The mindset mistake most investors make with DTI limits
- Why paying LMI can actually save you thousands
- How Apple’s 20% investor lending cap could reshape the banks
- The “policy X factors” your broker might not even know about
- How to use changing finance rules to unlock your next deal
Timestamps:
02:17 - What APRA’s proposal actually targets
03:01 - Brokers & non banks take centre stage
04:45 - DTI 101 with rentvesting
06:10 - Common DTI misconceptions
11:07 - Hitting goals under DTI ≤6
13:36 - LMI waivers + 1% assessment buffers
15:05 - 40-year loan terms
16:59 - LMI 101: cost & structures"
20:12 - Move purchases forward, compound faster
If you’re serious about building wealth through property, understanding finance strategy is non negotiable. Watch this episode to learn how to make the new lending landscape work for you.
CONNECT WITH THE PROPERTY NERDS:
Instagram:https://www.instagram.com/thepropertynerdspodcast/
TikTok: https://www.tiktok.com/@thepropertynerdspodcast
CONNECT WITH FOURACRE FINANCIAL:
Instagram:https://www.instagram.com/fouracre.financial/
Linkedin: https://www.linkedin.com/company/fouracre-financial/
Website: https://fouracrefinancial.com.au/
CONNECT WITH ARJUN:
Instagram: https://www.instagram.com/arjpaliwal/
Linkedin: https://www.linkedin.com/in/propertybuyersagent/
CONNECT WITH INVESTORKIT:
Instagram: https://www.instagram.com/investorkit.com.au/
Linkedin: https://www.linkedin.com/company/investorkit/
Website: https://www.investorkit.com.au/
This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/
96 episodes
Manage episode 525633650 series 2998596
In this data driven episode, Arjun, Jack and Adrian break down the real lending shifts shaping Australia’s property finance landscape, from rising DTI limits to the new investor lending cap that could shake the market.
Whether you’re a first time investor or scaling your portfolio, this episode unpacks how finance policies, trust structures and bank rules are quietly changing the game and how to position yourself before they hit your bottom line.
We cover:
- The mindset mistake most investors make with DTI limits
- Why paying LMI can actually save you thousands
- How Apple’s 20% investor lending cap could reshape the banks
- The “policy X factors” your broker might not even know about
- How to use changing finance rules to unlock your next deal
Timestamps:
02:17 - What APRA’s proposal actually targets
03:01 - Brokers & non banks take centre stage
04:45 - DTI 101 with rentvesting
06:10 - Common DTI misconceptions
11:07 - Hitting goals under DTI ≤6
13:36 - LMI waivers + 1% assessment buffers
15:05 - 40-year loan terms
16:59 - LMI 101: cost & structures"
20:12 - Move purchases forward, compound faster
If you’re serious about building wealth through property, understanding finance strategy is non negotiable. Watch this episode to learn how to make the new lending landscape work for you.
CONNECT WITH THE PROPERTY NERDS:
Instagram:https://www.instagram.com/thepropertynerdspodcast/
TikTok: https://www.tiktok.com/@thepropertynerdspodcast
CONNECT WITH FOURACRE FINANCIAL:
Instagram:https://www.instagram.com/fouracre.financial/
Linkedin: https://www.linkedin.com/company/fouracre-financial/
Website: https://fouracrefinancial.com.au/
CONNECT WITH ARJUN:
Instagram: https://www.instagram.com/arjpaliwal/
Linkedin: https://www.linkedin.com/in/propertybuyersagent/
CONNECT WITH INVESTORKIT:
Instagram: https://www.instagram.com/investorkit.com.au/
Linkedin: https://www.linkedin.com/company/investorkit/
Website: https://www.investorkit.com.au/
This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/
96 episodes
All episodes
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