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Property market shift: How 95% loans can change the game
They explore the resurgence of 95 per cent lending, highlighting how major banks like Westpac are reintroducing high loan-to-value ratio (LVR) options after a period of restraint.
Tarrant emphasises that successful property investment relies on strategic financial planning, understanding lending policies, and staying alert to market changes.
Loisance explains that while January was quiet, February brought a wave of new policies, with 95 per cent lending offering lower deposit requirements and faster market entry.
She also warns that high LVR borrowing carries risks such as negative equity, making it essential to invest in growth areas and align loans with long-term strategies.
The discussion covers competitive interest rates, pre-approvals, and the importance of factoring in lenders mortgage insurance when considering high LVR loans.
For investors, 95 per cent lending presents both opportunities and challenges, requiring careful planning and professional advice to maximise benefits.
Overall, the episode highlights how staying informed and leveraging the right financial tools can help investors navigate the evolving property market successfully.
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