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/chatwithflintinvestWe 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+ marketSubscribe for weekly, data-driven breakdowns of the Australian property market.#AustralianProperty #PropertyInvesting #BorrowingPower #HomeLoans #FirstHomeBuyerChapters00:00 Banks are opening the lending taps again02:04 The green-light signals a new cycle is starting04:39 Why banks lending harder means the bottom is near06:24 Crazy policy #1: AMP's 40-year loan term11:56 How much more you can actually borrow16:46 Why it's a jackpot when you refinance elsewhere21:04 Pepper's 40-year term for upgraders22:14 Buying your owner occupier at a 20% discount25:55 Liberty joins the First Home Guarantee scheme31:47 The creative one: splitting ownership from debt36:11 The opportunity inside the 2026 downturnThis 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