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Chapter 7: Borrowing Power (The Audiobook) episode artwork

Feb 8, 2026 29 min

Chapter 7: Borrowing Power (The Audiobook)

from The Property Couch Hosted by Bryce Holdaway & Ben Kingsley

Property investing isn’t just about what you buy; it’s about how you fund it. In Chapter 7 of How to Retire on $3,000 a Week, Bryce and Ben unpack borrowing power, loan structure, and why productive debt, used well, can accelerate your investing journey, while poor structure can quietly stop it in its tracks. If you want to keep building without hitting a glass ceiling, this chapter is essential. 🎁 FREE for a limited time only as Bryce’s farewell gift. Two chapters daily from 6–12 February. Listen now. To see how all the pieces fit together: 👉 Download the free supplementary PDF to follow along with the key diagrams, frameworks, and charts that bring the audiobook to life. Simply log in to your Moorr account to access this, along with other free resources now! 👉 Pick up your copy of How to Retire on $3,000 a Week. LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

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What this episode covers

Property investing isn’t just about what you buy; it’s about how you fund it. In Chapter 7 of How to Retire on $3,000 a Week, Bryce and Ben unpack borrowing power, loan structure, and why productive debt, used well, can accelerate your investing journey, while poor structure can quietly stop it in its tracks. If you want to keep building without hitting a glass ceiling, this chapter is essential. 🎁 FREE for a limited time only as Bryce’s farewell gift. Two chapters daily from 6–12 February. L...

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Chapter 7: Borrowing Power (The Audiobook)

0:00 29:48

Chapters

  1. 0:00 Why property investing is really a game of finance
  2. 2:10 The mindset shift: from real estate to lending
  3. 4:00 Horrible, tolerable, and productive debt explained
  4. 6:44 Why productive debt is a powerful wealth tool
  5. 9:10 Why having an investment-savvy broker is non-negotiable
  6. 11:30 How lending rules have changed over time
  7. 14:10 APRA, buffers, and why borrowing feels harder today
  8. 16:40 Borrowing capacity vs borrowing strategy
  9. 19:10 Why structure beats chasing the lowest rate
  10. 22:34 The 12 borrowing concepts every investor must know
  11. 28:57 Interest-only vs principal & interest loans

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How long is this episode of The Property Couch?

This episode is 29 minutes long.

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This episode was published on February 8, 2026.

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