Banks Are Getting Desperate (New Lending Loopholes Exposed)

Send us Fan Mail 👉 Want to buy BEFORE the data shifts, not after? Book a FREE strategy call with Curtis here: https://rebrand.ly/chatwithflintinvest We are in the middle of a giant property downturn - and the banks are falling over themselves to open the lending taps back up. Fixed rates are being cut and lenders are rewriting their rule books to get money out the door. To me, those are the early green-light signals that a new cycle is starting. This is not about a flood of new purchases. It is about restructuring and optimising the portfolio you already own while the conditions are in your favour. In this episode I sit down with Curtis to break down the craziest new lending policies on the table right now and exactly how to use them. What you'll learn: 📍 The early signals I watch to call the bottom of a property cycle - falling fixed rates and banks loosening their policies 📍 Why banks lending harder tells you they still see property as the safest asset there is 📍 AMP's 40-year loan term - a 30-year P&I assessment with up to 10 years interest only loaded at the front, for roughly a 5-10% borrowing boost 📍 Why that structure can be a jackpot when another bank assesses your existing debt 📍 Pepper's genuine 40-year term for stretching borrowing power on a new purchase 📍 Liberty joining the First Home Guarantee scheme - 5% deposit, government-covered LMI, with more flexible income rules 📍 The advanced play - separating who owns the property from where the debt sits, using an SPV, trust or company 📍 Why I think now is the window to buy your owner occupier at up to a 20% discount in the $2 million+ market Subscribe for weekly, data-driven breakdowns of the Australian property market. #AustralianProperty #PropertyInvesting #BorrowingPower #HomeLoans #FirstHomeBuyer Chapters 00:00 Banks are opening the lending taps again 02:04 The green-light signals a new cycle is starting 04:39 Why banks lending harder means the bottom is near 06:24 Crazy policy #1: AMP's 40-year loan term 11:56 How much more you can actually borrow 16:46 Why it's a jackpot when you refinance elsewhere 21:04 Pepper's 40-year term for upgraders 22:14 Buying your owner occupier at a 20% discount 25:55 Liberty joins the First Home Guarantee scheme 31:47 The creative one: splitting ownership from debt 36:11 The opportunity inside the 2026 downturn This video is provided by Confidence Finance Pty Ltd (ACL 488313) & Flint Trademark Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate. Reach out to us at www.australianpropertytalk.com.au