APRA shakes the lending tree: What investors must know

In this episode of The Smart Property Investment Show, host Phil Tarrant is joined by Eva Loisance from Finni Mortgages to unpack new lending guidelines by the Australian Prudential Regulation Authority (APRA) and the concerns these sparked among property investors trying to scale their portfolios. Tarrant and Loisance begin by discussing the new debt-to-income restrictions, explaining how the cap on high-risk lending is designed to protect financial stability, while creating uncertainty for active and growth-focused investors. The duo then turns to the growing contradiction between tighter lending rules and government initiatives such as the 5 per cent deposit scheme and shared equity programs, which aim to fast-track first home buyers into the market. Loisance highlights criticism that these high-leverage schemes could place Australians into excessive debt, particularly if property values soften or economic conditions tighten. They wrap up by examining the pullback by major banks from trust and company lending, urging investors to stay informed, work with experienced brokers, and remain flexible as alternative lending options emerge. ........................................................................... Join the team and special guests as we speculate, meditate, and deep dive into all things property investment! 🎙️ Whether you're a seasoned investor or just getting started, The Smart Property Investment Show delivers the insights, strategies, and real-world tactics you need to build a successful portfolio. Don’t miss the actionable advice and expert commentary that can help you make smarter investment decisions. 🎧 Listen to the podcast now: 👉 https://www.smartpropertyinvestment.com.au/podcasts 📲 Or subscribe on Apple Podcasts: 👉 https://itunes.apple.com/au/podcast/smart-property-investment/id1062491621?mt=2&ign-mpt=uo%3D4 🎵 Or follow on Spotify: 👉 https://open.spotify.com/show/7DWmPXxXcMB1F4nJGxFzK6?si=8a17705d599f4ed5 💡 Like what you hear? Subscribe to Smart Property Investment on YouTube: 👉 http://www.youtube.com/channel/UCwC81boH8aT3ognPmLiE6kw 📬 Get expert news, insights, and advice straight to your inbox: 👉 http://www.smartpropertyinvestment.com.au 🌐 Visit our website for the latest in property investing: 👉 http://www.smartpropertyinvestment.com.au 🔗 Connect with us: X/Twitter: http://twitter.com/spi_online Facebook: http://www.facebook.com/spionline LinkedIn: http://www.linkedin.com/company/smart-property-investment Google+: http://plus.google.com/+SpionlineAu13