Navigating tax reform and rate uncertainty in the property market with Craig Bigelow

Ask us a question or suggest a topic 🤙In this episode, Tex sits down with Craig Bigelow, lending advisor at Alcove and the Cash Flow Co.'s resident mortgage expert. Together they unpack everything you need to know about navigating property in the current climate.With negative gearing changes making their way through parliament, rate uncertainty still very real, and borrowing capacities shifting, Craig breaks down what's actually happening on the ground and what it means for you.What we cover:🏠 Home buyers — Why the fundamentals haven't changed, what "survival is success" really means right now, and how to build the right buffers before you buy📉 Borrowing capacity — How each 0.25% rate move impacts what you can borrow, and why your pre-approval might not be as safe as you think💸 Investors — Who the new rules hurt, who they actually help, and how the $650K–$750K price point is about to get very crowded🔄 Debt recycling vs. property — Why more people are looking at shares as an alternative, and how debt recycling stacks up in a post-negative-gearing world🔒 Fixed vs. variable — The sharpest 1 and 2-year fixed rates right now (6.34%), what the banks' pricing tells us about where rates are headed, and why keeping some variable isn't just smart — it's essentialChapters:00:00 Intro & the Cashback Challenge07:30 Welcome — what Craig is seeing on the ground10:30 Home buyers: the fundamentals that haven't changed18:00 Borrowing capacity & the pre-approval trap22:00 The emotional vs. investment property trap30:00 "Survival is success" — managing through a tough season38:00 Investors: who wins, who loses, and the crowded price point48:00 Debt recycling vs. property investing56:00 Fixed vs. variable — the certainty trade-off01:05:00 Craig's calculator tool & where to find himEpisode links> The Cashback ChallengeWork with Tex to build a personalised plan for wiping 100k in interest off your home loan in the next 30 days. Grab your guest pass here.  > Fixed vs Variable rates calculator Model different scenarios to consider what's best for you. Click here > Book a free chat with CraigReview your situation and best options. Click here  The NEW Money MentorshipLearn more about the Home Equity Accelerator here Turn insights into action with Terry's episode coach Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.🔗 https://www.facebook.com/groups/4609737389252111Find out your financial skill scoreDo you have the money skills to fund your goals? Take the 4 minute quiz here🔗 https://financialskill.scoreapp.com/