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THE PROPERTY NERDS: 40-year loan terms?!
Interest rates are rising, but are they actually stopping investors… or simply exposing who knows how to play the long game?
On The Property Nerds podcast, hosts Arjun Paliwal and Jack Fouracre break down the lending strategies that separate scalable investors from everyone else.
From 1 per cent servicing buffers to 40-year loan terms, smaller and second-tier lenders are quietly giving investors access to borrowing capacity that major banks won’t touch. Though, while Tier 1 lenders maintain tighter servicing rules, they often adjust policies to stay competitive when pressure builds.
The result? Investors who understand the full lender ecosystem are unlocking hundreds of thousands in additional capacity, simply by structuring smarter.
The pair then turn to how savvy investors are using equity releases not just as deposits, but as a strategic buffer, releasing more than they immediately need to manage short-term negative cash flow and ride out rate volatility while continuing to scale portfolios.
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