Stop waiting for rate cuts – the real opportunity is your lending structure

Most investors are waiting for rate cuts, but the bigger opportunity could disappear first, as borrowing power, refinancing flexibility, and access to equity already shift beneath the surface. On The Smart Property Investment Show, Phil Tarrant sits down with Eva Loisance and Julie Brennan from Finni Mortgages to decode what the latest interest rate hold means for investors and why lenders may already be positioning for the next phase of the cycle. The trio explains that while many borrowers are waiting for official rate cuts, banks are already making moves behind the scenes, with falling fixed rates offering clues about where lenders think the market is headed. The discussion reveals why refinancing has become one of the most powerful tools available to investors, particularly as serviceability rules, lender policies, and borrowing capacity continue to shift. Attention then turns to the proposed changes to negative gearing and capital gains tax, with Loisance and Brennan warning that investors who fail to review their lending structures now could miss opportunities to strengthen their position before the rules change. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email [email protected] for more insights, or hear your voice on the show by recording a question below.