607 | The Best Lending Structure Today (In the New Negative Gearing Era)

Two months on from the Budget's negative gearing and CGT changes, the data is telling a clear story. In our latest episode, Ben sits down with couch crew Luke Oxenham, investment-savvy mortgage broker, and Polly Chu, Qualified Property Investment Advisor, both fielding real client conversations daily. 

Together, they're unpacking what's actually happening on the ground: auction clearance rates stuck below 50% for weeks (the worst run since 2018), open home attendance down 43% year-on-year, and the lending data driving it all. 

• How lenders scrambled to rewrite borrowing power calculators within days of Budget night — some borrowers lost up to $160K in capacity overnight 
• Why majors and smaller lenders are treating investment debt so differently 
• What AFG's lodgement data really reveals about first home buyers, upgraders and investors 
• The shift toward interest-only loans as borrowers protect negative gearing and build buffers 
• Why this cautious market might be the smartest time for new investors to prepare — and what "prepared" actually means 

Tune in to hear the conversations happening behind closed doors right now. 

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• Free Personalised Lending Chat 📞
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• Between rate rises and rewritten legislation, it's a lot to keep up with. Got a question?👉 We've got you! Send it in for our upcoming Q&A Day >>  
   
• Resources from this week’s episode  
  • Ray White: Open homes are quieter, but attendance may be stabilising 
  • Westpac-MI Consumer Sentiment July 
  • AFG brokers lodge $28.1 billion in home loans in Q4 FY26 
  • The Advisor:  
    • FHB pullback almost as steep as investor retreat 
    • Majors’ share slips as Westpac tops AFG lodgements 
  • Broker Daily: Westpac forecasts slump in investor activity following budget 

LISTEN TO THE FIRST 20 EPISODES HERE >>

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