Why banks are fighting over your mortgage right now

Send us Fan Mail👉 Want to buy BEFORE the data shifts, not after? Book a FREE strategy call with Curtis here: https://rebrand.ly/chatwithflintinvestLending is the quietest part of property investing, and right now it is where most people are leaving money on the table.Banks have gone from protecting their margins to fighting for your business. Owner-occupier rates are back in the high 5s, investor rates in the low 6s, and some lenders are throwing cashbacks at borrowers who ask to leave. That window does not stay open forever. As rates fall and lending volumes recover, banks stop fighting this hard.In this episode I sit down with Curtis to unpack the specific lending policies that have shifted in the last few weeks. We cover the refinance war that is still running, the sudden pivot happening in SMSF lending, the rules tightening around trusts and companies, and a private banking policy that most investors have never heard of. We finish on a real client case that took 16 valuations to get across the line.What you'll learn:📌 Why the mortgage pricing war is still running, and roughly where owner-occupier and investor rates are sitting📌 What a discharge request actually does, and why some banks only sharpen their pricing after you lodge one📌 The SMSF pivot since 10 August: lenders can no longer write purchases, so they are chasing refinances instead📌 The new "easy refinance" rules in SMSF: 12 months of ownership, a clean repayment history, and no servicing test📌 The bad news on trusts and companies: guarantor loans appearing on credit files and much stricter accountant letter wording📌 The net asset test inside the private banking arms of the major banks, and the debt level you need before it applies📌 A real case study: 16 valuations ordered, 1 lender with a usable desktop valuation, 2 that passed servicingIf you want the lending side of property explained without the spin, subscribe to Australian Property Talk.#PropertyInvesting #Refinance #SMSF #AustralianProperty #MortgageBrokingChapters0:00 Intro0:38 Why a slower market is creating lending opportunities1:44 The refinance boom and the mortgage pricing war1:57 Discharge requests and which banks fight to keep you2:55 Where investor rates are sitting right now4:37 Why this window closes when the market picks up5:04 SMSF: lenders pivot from purchases to refinances5:25 The easy refinance rules, no servicing test6:56 What it means if your SMSF rate starts with a 78:56 The bad news: trust and company lending is tightening9:20 Guarantor loans now appearing on credit files9:44 Stricter accountant letters and no-liability declarations11:16 Do private banks ask the same questions?13:34 The private banking net asset lending test14:02 What actually counts as a liquid asset16:16 The debt threshold to access private banking policy20:40 Case study: the investor told he was maxed out21:45 16 valuations, 1 lender that worked24:07 What a harder lending market really demandsThis 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