THE PROPERTY NERDS: Why Australia's lending landscape just changed forever
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THE PROPERTY NERDS: Why Australia's lending landscape just changed forever
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About this listen
In this episode of The Property Nerds, hosts Arjun Paliwal and Jack Fouracre unpack the sweeping changes hitting Australia's lending landscape, what they mean for serious property investors, and how non-bank lenders are entering the void.
The duo breaks down why major banks are tightening trust and company lending, following regulatory pressure from the Australian Prudential Regulation Authority, and why longstanding strategies built on "endless borrowing" are rapidly disappearing.
They explore how lenders such as Macquarie Bank helped fuel aggressive trust lending in recent years, and why those policies are now being quietly wound back amid heightened scrutiny.
Listeners will also gain clarity on how new anti-money laundering rules will impact not just banks and brokers, but also investors, adding layers of administration, cost, and complexity to trust lending structures.
Paliwal and Fouracre then explain why non-bank lenders are stepping in as major banks retreat, how brokers now facilitate close to 80 per cent of Australian lending, and why having an investment-specialist finance team has become non-negotiable for portfolio builders.