EP 021: In this current market climate, with interest rates increasing every month…

The banks are becoming more and more scrutinising in their lending criteria.

How do we play the bank’s game,

While ensuring we can continue borrowing?

Well…

In this week’s podcast episode, Grant and I will be breaking down exactly this!

We’ll be inviting our mortgage broker Aaron back for another chat, this time to discuss everything you need to know about borrowing capacity, so you can play the forever game in property investing!

PS: Let me know your experiences with lending during this market environment!



Episode Highlights:

00:00 Welcome to Property and Investing

02:46 Problems with borrowing money 

03:29 Borrowing for building a property portfolio

07:29 Extracting equity and cross-collateralised loans

14:10 When equity becomes a trap in itself 

15:06 Understanding the variability of your income 

16:02 Different ways you can get stuck with borrowing 

18:02 Unpacking the trap of wrong lenders at the wrong time

24:07 Have banks become more scrutinous over time? 

32:00 Increasing income and deposits increases borrowing power 

35:15 Borrowing capacity equals purchase price 

37:27 Negatively geared properties vs. positively geared properties  

39:16 Who wins the game of property investing? 

45:30 Time heals all borrowing capacity issues

46:15 Is speed a factor for borrowing capacity? 

If you enjoyed this episode, be sure to subscribe, tune in and share this podcast! 



Resources: 

○ Property and Investing website: https://propertyandinvesting.com/

○ If you want to find out more about our guest, Aaron Whybrow head over to: https://propertyandinvesting.com/partners/



About the Guest: 

Aaron Whybrow is the founder of Diagnostics and Finance, a Financial Broking and Personal Risk Insurance Business.

Diagnostics & Finance (ARW Financial Services Pty Ltd) is a Credit Representative 425540 of Finsure Finance & Insurance ACL 384704.

He is known as the ‘bagpiping mortgage broker’, who prides himself on having no ‘flats’ in his career. He blends his experiences as a former intensive care unit nurse and medical sales rep to provide the best outcomes for his clients.

To connect with Aaron and his team of mortgage professionals, head over to: https://propertyandinvesting.com/partners/diagnostics-and-finance/



Subscribe: 

○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g

○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001



Connect with Property and Investing: 

○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting

○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom

○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/

○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting

○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com



DISCLAIMER:

All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.

EP 021: In this current market climate, with interest rates increasing every month…
The banks are becoming more and more scrutinising in their lending criteria.
How do we play the bank’s game,
While ensuring we can continue borrowing?
Well…
In this week’s podcast episode, Grant and I will be breaking down exactly this!
We’ll be inviting our mortgage broker Aaron back for another chat, this time to discuss everything you need to know about borrowing capacity, so you can play the forever game in property investing!
PS: Let me know your experiences with lending during this market environment!
 
Episode Highlights:
00:00 Welcome to Property and Investing
02:46 Problems with borrowing money 
03:29 Borrowing for building a property portfolio
07:29 Extracting equity and cross-collateralised loans
14:10 When equity becomes a trap in itself 
15:06 Understanding the variability of your income 
16:02 Different ways you can get stuck with borrowing 
18:02 Unpacking the trap of wrong lenders at the wrong time
24:07 Have banks become more scrutinous over time? 
32:00 Increasing income and deposits increases borrowing power 
35:15 Borrowing capacity equals purchase price 
37:27 Negatively geared properties vs. positively geared properties  
39:16 Who wins the game of property investing? 
45:30 Time heals all borrowing capacity issues
46:15 Is speed a factor for borrowing capacity? 
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast! 
 
Resources: 
○ Property and Investing website: <a href="https://propertyandinvesting.com/">https://propertyandinvesting.com/</a> 
○ If you want to find out more about our guest, Aaron Whybrow head over to:<a href="https://propertyandinvesting.com/partners/"> https://propertyandinvesting.com/partners/</a> 
 
About the Guest: 
Aaron Whybrow is the founder of Diagnostics and Finance, a Financial Broking and Personal Risk Insurance Business.
Diagnostics &amp; Finance (ARW Financial Services Pty Ltd) is a Credit Representative 425540 of Finsure Finance &amp; Insurance ACL 384704.
He is known as the ‘bagpiping mortgage broker’, who prides himself on having no ‘flats’ in his career. He blends his experiences as a former intensive care unit nurse and medical sales rep to provide the best outcomes for his clients.
To connect with Aaron and his team of mortgage professionals, head over to: <a href="https://propertyandinvesting.com/partners/diagnostics-and-finance/">https://propertyandinvesting.com/partners/diagnostics-and-finance/</a>
 
Subscribe: 
○ Subscribe on Youtube: <a href="https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g">https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g</a> 
○ Subscribe on Apple Podcast: <a href="https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001">https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001</a> 
 
Connect with Property and Investing: 
○ Join the Property and Investing Community: <a href="https://www.facebook.com/groups/propertyandinvesting">https://www.facebook.com/groups/propertyandinvesting</a> 
○ Follow us on Facebook: <a href="https://www.facebook.com/propertyandinvestingcom">https://www.facebook.com/propertyandinvestingcom</a> 
○ Follow us on Instagram:<a href="https://www.instagram.com/propertyandinvesting/"> https://www.instagram.com/propertyandinvesting/</a>
○ Follow us on TikTok:<a href="https://www.tiktok.com/@propertyandinvesting"> https://www.tiktok.com/@propertyandinvesting</a>
○ Send your enquiries or drop by to say hello: <a href="mailto:grant@propertyandinvesting.com">grant@propertyandinvesting.com</a> 
 
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.

It’s absolutely possible for an Australian, like you, to have it all. The only limiting factor to success in your success is you!

The Property and Investing podcast exists to help you overcome your limits. Hosted by Australian property investors Grant Merriel and Charley Valher, the show is dedicated to sharing information, insights and tools to help Australians, like yourself, build a stable, thriving property portfolio that unlocks your money and life goals.

Grant and Charley both dive into their own experiences with their fellow property experts and trusted professionals to help you become a successful property investor.

It’s absolutely possible for an Australian, like you, to have it all. The only limiting factor to success in your success is you! The Property and Investing podcast exists to help you overcome your limits. Hosted by Australian property investors Grant Merriel and Charley Valher, the show is dedicated to sharing information, insights and tools to help Australians, like yourself, build a stable, thriving property portfolio that unlocks your money and life goals. Grant and Charley both dive into their own experiences with their fellow property experts and trusted professionals to help you become a successful property investor.

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