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THE PROPERTY NERDS: The budget cheat code
Most property investors are focused on tax changes, but the real threat could be losing up to 30 per cent of their borrowing power before the new rules even take effect.
On The Property Nerds Podcast, hosts Arjun Paliwal and Jack Fouracre dive into the post-budget lending shake-up and why finance, not property, could become the biggest obstacle to building wealth over the next few years.
The duo break down the proposed changes to capital gains tax, negative gearing, and trust distributions, explaining how the new rules could fundamentally change the way investors structure portfolios and manage cash flow.
Fouracre warns that the biggest immediate risk is lending capacity, with some estimates suggesting borrowing power could fall dramatically if lenders stop factoring negative gearing benefits into servicing calculations.
The episode also explores how banks may respond, from adjusting buffer rates and loan terms to changing the way rental income is assessed, all of which could significantly influence investors’ ability to keep buying.
Despite the uncertainty, Paliwal and Fouracre argue the current environment may present a rare buying opportunity, with weak sentiment creating openings that could disappear once the market gains clarity.
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