John and Rach break down three huge property changes hitting the headlines: APRA’s new lending cap coming february 2026, NSW & VIC’s town-centre zoning reforms and the national rollout of the 2% shared-equity scheme.

👉🏾 what APRA’s DTI cap actually is and who it affects

👉🏿 what's causing prices to continue going upward

👉🏻 tips for investors amidst the changes

👉 the winners and losers of NSW/VIC town-centre upzoning changes

👉🏼 2% shared-equity scheme explained + pros and cons

👉🏽 a warning about gap finance

👉🏾 use the shared equity scheme vs live or invest regionally

Check out where rezoning is happening in NSW here: https://www.planningportal.nsw.gov.au/

Have a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcast

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Needing a buyer's agent. Check out John's team at https://www.envisageproperty.com.au/

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need. To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Hosted on Acast. See acast.com/privacy for more information.